The so-called peer-to-peer lender boasts an average gross return for investors of 9.1% on its website.

BBC: Lancashire council becomes online lender

If you place your money with a peer-to-peer lender like Zopa, you are not lending to Zopa, in the way that you are lending to Barclays if you put your money on deposit with Barclays.

BBC: What threat to banks from internet lenders?