This template illustrates the Porter's Five Forces Analysis for a P2P service context. The "Threats of new entrants" are indicated with a low entry barrier, especially from future P2P service providers. "Competitive rivalry" shows no direct P2P rivalry but competition against other money lenders like banks and credit unions. "Threats of substitute" are moderate, coming from established financial institutions. "Bargaining power" of borrowers is high, while that of lenders is moderate. This analysis provides a clear overview of the competitive dynamics and forces shaping the P2P service market in the financial sector.