This already exists :)
https://www.mirror.co.uk/news/world-news/robots-greet-customers-worlds-first-12417793

Just kidding. I hope P2P takes over but as we see time and time again the problem is random people do not payback obligations if they can get away with it. Banks at least report defaults to the credit rating agencies so that negative consequence has to come into P2P lending for it to be a success long term (especially for unsecured credit).