Additionally, Prosper needs to undo the systematic damage it has done to its constituency of lenders during the past several years through poor customer service and a community management style that makes Darth Vader and Hannibal Lechter look like Mr. Rogers in comparison. An internal review of “corporate ethics” would also be a good idea.

Borrowers only come once or twice to transact with Prosper, but lenders are stuck for years and will potentially re-invest again and again, allowing Prosper to collect fees again and again.

So, who is the real customer here?