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Rise of p2p lending

What do retail banks do best? First, they are good for keeping your money safe. Money deposited in the bank is safer than money hidden inside the mattress. Banks with a deposit base are covered by FDIC insurance that ensures that your money will be safe even if the bank fails. Second, banks are hubs for moving money around in the society.

Guerilla Media Wars

In 2006, we published a Ten Year Forecast perspective called "Dark Mobs". Among other things, that piece argued that repeated top-down efforts to squelch file sharing actually created powerful incentives that drove the technology towards more distributed, secure architecture. The media giants, by killing Napster and Gnutella created the need for something as difficult to control as BitTorrent.

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