Peter writes ...
Here are two examples of technology and people power in the banking industry:
1. The Guardian story on the consumer campaign website MoneySavingExpert.com
2. Zopa: a new concept.... kind of open-source banking.
What do you think? Much ado about nothing? Much ado about much?
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I think Zopa is an interesting concept but may suffer from trust issues. Banks have credibility and are generally perceived as secure safe environments to deal with financial matters. I am not sure a social lending environment would be able to generate this level of security, one small slip up and I think it would be finished.
On this theme I came across theis http://blogs.zdnet.com/Berlind/?p=367 which is an interview with Max Mancini who is the chief disruption officer at e-bay (what a job title). The tie in is when he discusses the ability (in the future) for e-bay's web development to be controlled by third parties. Effectively users can take the site in the direction that they want (within reason) not to mention the free innovative skills they will be tapping into.
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