Peer to Peer Loaning
Interesting podcast about separating the functions of banks of storage and loaning into two separate entities. The podcast brings up www.lendingclub.com
as a step in this direction.
I've always written off as just another high interest lender, but it is actually peer to peer lending, where you can analyze profiles (including credit score, income, and credit history etc), you can also micro loan to different individuals, using an automated process.
I know nothing else about it, but I found it interesting, I'll have to look into it more.