Move over, young'uns. The grown-ups have arrived, and they're mounting a serious challenge to the startups that pioneered online lending.

This year, industry heavyweights Goldman Sachs, Wells Fargo and Quicken all burst onto the digital lending scene. These big firms may have been latecomers, but their timing was still good, since they came to market amid rising doubts about many of the online lending sector's early entrants.

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