Collaborative Finance: Democratizing Finance, Money and Banking
For the full story that goes with this deck please go to:
http://www.collaborativeconsumption.com/2014/07/31/collaborative-finance-by-the-people-for-the-people/
3. Real Estate
LendInvest
Fruitfull
Landbay
Groundfloor
Money360
Small Businesses
Funding Circle
SoMoLend
Personal
Creative Projects
Kickstarter
Indiegogo
MassiveMov
Small Businesses
Seedrs
CircleUp
Civic
Crowdrise
Start Some Good
Personal
GoFundMe
Upstart
Pave
Transferwise
Midpoint
P2P Cash
Peer Transfer
CurrencyFair
Zopa
Kiva
Lending Club
Prosper
SocietyOne
SOCIAL LENDING CROWDFUNDING
Stripe
Balanced
SNAPSHOT
P2P CURRENCY
TRANSFER
P2P PAYMENT
PLATFORMS
P2P INSURANCE
P2P DIGITAL
CURRENCY
Friendsurance
P2P PAYMENT
NETWORKS
Mpesa
MiCash
Obopay
Bitcoin
Ripple
Litecoin
4.
5. 1 RIFE WITH REDUNDANT MIDDLEMEN
FINANCIAL SERVICES RIPE FOR DISRUPTION
2 COMPLEX FEES AND PROCESSES ARE COMMON
4 MANY PEOPLE HAVE RESTRICTED
ACCESS TO BANK ACCOUNTS, FUNDING,
AND LOANS.
3 INSTITUTIONAL TRUST IN THE SYSTEM IS LOW
6.
7. UNBUNDLING
BENEFITS ARE BEING UNBUNDLED
FROM THEIR PHYSICAL DELIVERY
SYSTEMS TO CREATE GREATER ACCESS.
NEWSPAPERS, EDUCATION AND NOW
BANKING…
10. 2 EMBRACE THE SHIFT FROM INSTITUTIONAL
TRUST TO PEER TRUST
HOW CAN YOU…
1 RETHINK THE WAY PEOPLE CAN ACCESS ASSETS
AND SERVICES THROUGH OPEN MODELS
4 THINK OF TECHNOLOGY NOT AS AN ‘ADDED’
COMPLEX LAYER BUT AS A SIMPLIFIER
3 REMOVE REDUNDANT INTERMEDIARIES TO
DIRECTLY MATCH WANTS AND HAVES
Editor's Notes
Not about the technologies
Danger ahead: what new disruptions are on the horizon and who will be disrupted?
It these drivers that are changing has power, and what and how we can access - everything from money to education to goods - marks the beginning of the end of the way so many traditional institutions have operated for hundreds of years.
Just like newspapers.
UNBUNDLING OF THE CONTENT FROM THE PHYSICAL DELIVERY SYSTEM.
Newspaper news from the paper
Universities research, knowledge and teaching is being unbundled from the physical institution.
Restructure their value chain to survive
Not what these ideas are today but what they could and will become?
SMASH SACRED COWS: BELIEVE YOU DELIVER A UNIQUE VALUE
removes REDUNDANT intermediaries in the supply chain by a DIRECT match between local food producers with buyers.