PL fintech's take 38% market share in USA: Overseas trends are exciting for Wisr's future

I got asked the other day to do some desktop research to backup some claims made by Wisr about the growth potential of the Australian market compared to overseas markets. I first found this illuminating article on the USA Personal Loan fintech's now taking an amazing, whopping 38% market share of all personal loans in the US:

https://www.cnbc.com/2019/02/21/personal-loans-surge-to-a-record-138-billion-in-us-as-fintechs-lead-new-lending-charge.html

Then today, i saw this post on medium wrt someone's experience of the sector in the UK:

https://medium.com/@ianbeatty/fintech-deja-vu-in-australia-4eb5f63a26e3

all of this makes me think Wisr's is just at the very beginning of its journey here, and it could be a very exciting ride for holders.