It's Like eBay Meets Match.com

Peer-to-peer lending is a growing trend. Could it ever replace banking as we know it?:

Economists have been studying these peer-to-peer lending programs from the beginning, and their findings are now starting to show up on the Web. They've discovered that while the sites may be useful for some high-risk borrowers—those who stood little chance of attracting loans from traditional banking institutions—these credit markets also result in loan decisions tainted by human frailty and bias. It seems that the middleman—with his credit models and balance-sheet analysis for evaluating prospective borrowers—may provide some value after all.

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