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Special Report on

Peer-to-Peer Finance

peer to peer finance special research report Photo by
There are a number of emerging finance businesses that all utilise the internet to offer clients new ways to act together collectively and engage in financial activities such as borrowing, lending, investing and currency exchange, without the traditional intermediary of a bank. This is commonly referred to as peer-to-peer (P2P) finance, or social or web 2.0 finance.  This article provides background information and analysis on a series of events called WeBank , which were jointly organised by NESTA and OpenBusiness . A short history of P2P finance The oldest players in the P2P finance market are the UK based company, Zopa, ...
is an attempt to make a computer resource unavailable to its intended users. Although the means to carry out, motives for, and targets of a DoS attack may vary, it generally consists of the concerted efforts of a person or people to prevent an Internet site or service from functioning efficiently or at all, temporarily or indefinitely. Perpetrators of DoS attacks typically target sites or services hosted on high-profile web servers such as banks, credit card payment gateways, and even root nameservers . The term is generally used with regards to computer networks , but is not limited to this field, for example, it is also used ...
The Weekend Economist "Quaerere Verum": #56 Peer to Peer Finance ...
which is an interactive space aimed at being both a source of information and a place for discussion on developing stories related to Economics, Business, Technology, Finance and Geo-politics. Please feel free to post your comments and/or send us your own articles for publication by contacting us at . Also, if there is a relevant topic you would like us to write about, please ask and we will be glad to meet your request. Finally, our two other blogs, WE Technology, Strategy & Business and The World Beyond The Weekend Economist , might be of interest as well. We hope you enjoy our site(s), Benjamin ... market research, surveys and trends
Unions - the Big Society is you | 2.0.2 ...
May 24th, in the aftermath of the well-trailed and assiduously leaked initial skirmish in what we are told is to be a long and multi-billion War of Austerity pitilessly fought out in the next couple of years. Leaving to one side the question of whether austerity is necessary at all, it seems to me that the more imaginative of our union brethren might now realise that the government has set up a Maginot Line that they can and should simply route around to re-take the ground long since abandoned to the historic enemy. Let's have a look at what a new generation of networked unions might be able to do for their memberships now ... market research, surveys and trends


Kevin Kelly -- Chapter 12: E-Money
Increased velocity. When money is disembodied-removed from any material basis at all -- it speeds up. It travels farther, faster. Circulating money faster has an effect similar to circulating more money. When satellites went up, enabling near-the-speed-of-light, round-the-clock world stock trade, they expanded the amount of global money by 5 percent. Digital cash used on a large scale will further accelerate money's velocity. Continuity. Money that is composed of gold, precious materials, or paper comes in fixed units that are paid at fixed times. The ATM spits out $20 bills; that's it. You pay the phone company once a ... industry trends, business articles and survey research
Peer-to-Peer Finance: A Flight to Simplicity
famously said, "The Internet interprets censorship as damage and routes around it." A key event of the Internet age was the invention of Napster, the direct online music-sharing program that helped erode the business model of the global music industry. This capability of the Internet to route around middlemen is becoming more apparent. A reader of the Financial Times in December won £10,000 for identifying peer-to-peer lending through the Internet as the "next big investment idea." How such a directly connected financial system could work is a question that has interested me for almost a decade. At a recent ... industry trends, business articles and survey research
Peer-to-peer lending and saving: Making everyone happy
Small businesses are starved of loans from Britain's cash-strapped banks and savers are receiving miserable interest rates on their deposits. How about bringing them together on the internet and cutting out the banks, so that businesses find loans and savers earn better interest rates? That's the idea behind the launch this week of a venture called Funding Circle . It's not an entirely new concept: links up individual savers with individual borrowers. But this is the first time the peer-to-peer lending model has included small businesses. Savers will earn interest of between 6% and 9%, while business ... market trends, news research and surveys resources
Daily Briefing: Tues.
Beds across America are under attack from tiny, blood-sucking bugs, but as the Science Times and the AP report today, no one is really sure why. Bedbugs are "nest parasites" that have preyed on people ever since we lived in caves, and they were common in U.S. homes up until the 1900s, when a parade of pesticides like DDT and chlordane virtually wiped them out of the country. Most of those pesticides were banned in the 1970s once they were found to cause environmental problems, even cancer in some cases, and pests like mosquitoes and roaches quickly rebounded. Bedbugs, on the other hand, didn't bounce back, and they were ... market trends, news research and surveys resources


Long Finance Foundation Long Finance
Peer to peer finance is underway in some lending firms such as Prosper or Zopa, as well as in alternative currencies. Had the Long Finance Foundation ... technology research, surveys study and trend statistics
Chief Financial Office Peer Recognition Awards Program
Chief Financial Office. Peer Recognition Awards Program. PROGRAM OBJECTIVES: • provide CFO/CAO employees the opportunity to express their appreciation to a ... technology research, surveys study and trend statistics
Online peer-to-peer lending, a lending practice in
market, the peer-to-peer lending market is still small enough that it does not pose a systematic threat to the financial system. ...
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Is peer to peer lending safe? - Yahoo! Answers
I have, in order to try and get a slightly better interest rate, invested a small sum in peer to peer lending site Zopa? Will my savings be safe? Member since: April 14, 2010 Total points: 500 (Level 2) You can get the information for your savings and other financial matters at There are currently no comments for this question. * You must be logged into Answers to add comments. Sign in or Register . Member since: May 29, 2010 Total points: 56 (Level 1) I am Mrs Vanilla Pam,currently living in New florida,USA.I am a widow at the moment with three kids and i was stuck in a financial situation by may 2009 ...
What do you think of peer-to-peer lending ( ...
Personally, I think that peer-to-peer lending is an excellent idea. It increases the return for investors and reduces the rate for lenders (vs banks). It is also perfect for small loans and short-term loans, which banks don&#039;t even offer. My biggest concern is that everything has a time and place, and this is DEFINITELY not the time (for potential lenders), although hopefully the US will become the place. Internationally, Peer-to-Peer defaults are <5%. I wouldn&#039;t be surprised if they were in the 20%-50% default rate here and now. We already know that the average US consumer spends more than they earn ...