Harvard Business Review: "Breakthrough Idea: Forget Citibank " Borrow from Bob" Vice Chairman John Sviokla on the power of peer-to-peer networks.

With consumer credit still tight, peer-to-peer lending is on the rise. Why? For one thing, human society naturally evolves to create pools of capital with which to fund ideas and absorb risk. Roman legionnaires insured one another by swearing to care for


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