Should investors value Lending Club as a marketplace technology company, or a specialty finance company

The Lending Club is a public company (https://finance.yahoo.com/quote/LC?ql=1&p=LC) In the P2P space.  The case explores the history and follows the path of the founder and of the company before and after its IPO.  The case explores the challenges in operating a fin-tech company and grow and scale its operations.  

Lending

Questions to think about for your 2-page report using the questions below as a guide.  Your report should be in the form of a consultant’s report, not simply a Q&A.  

Questions: Lending Club

1. Describe its business model? What are the factors that determine whether the Lending Club will be profitable?
2. Should investors value the company as a marketplace technology company, or a specialty finance company? Why?  
3. Explain why lenders are able to obtain a higher interest rate compared to investing their money in a bank.