Short homework in finance

Could you help? Please include citations.
What challenges do you see in P2P lending platforms in Saudi Arabia, do you think that if SMEs cannot get a loan from banks, lending platforms like FORUS present a strong case ?Justify your response by analyzing digital lending ecosystem in middle-east, what value proposition they present to the market, and how SMEs and small startups can be benefitted.In addition, what is the role of regulatory bodies you see, like SAMA or CMA in trying to protect operational risk.