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Founded in 2005 , Zopa is designed to connect individual lenders with others who need loans . It has already facilitated £ 2bn in loans through such peer-to-peer financial services . It is now looking to expand its mobile services to include more traditional banking , and applied for a license in late 2016 . Its experience handling large quantities of money and vast network of contacts gives it enormous potential as a bank .

30 September 2017