John Lyons (Dublin North West, Labour)
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I agree with what Ms Callan is saying in respect of peer-to-peer lending, crowd-funding and the umbrella of names that do similar things. When Linked Finance appeared before us, I am almost sure that the message I received, although I stand to be corrected, was that it was very much open for business and had a lot to give but that the amount of applications could be even better because there was money to give. One of the big issues is communication around it and that fear of going to the non-traditional lender. There is something we are missing out on - and by "we", I mean the royal we, everybody here. Not enough people even apply for that. I am a big fan of that type of funding.