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Money Come Running

 

Those who know me and talk with me regularly know that I've been following prosper.com and zopa.com closely. These two companies have started p2p (person-to-person) lending web sites for unsecured loans.

I read this yesterday:

Most intriguing are both companies' plans to introduce APIs [application programming interfaces] so programmers can integrate social finance with social networking. Members of Yahoo Groups and MySpace would be able to participate in peer-to-peer finance through groups already established at other services. Groups could even be set up to view financial data and perform administrative functions from sites other than Prosper or Zopa.
I expect that Prosper and Zopa will offer finder's fees for either lenders or borrowers who come together to do business through third-party blogs. Today, about the only way that people can make money blogging is by placing advertising on their blogs - most popularly, Google's AdSense. What's coming are companies willing to dillute their brand by spreading the company skunk works across tens and hundreds of thousands of blogs through APIs that allow the average blogger to make money. To some degree, this happens today, but I expect p2p lending to be a better model of income for bloggers.

Question of the day: what happens when this moves beyond lending?

 


by Brett Rogers, 5/23/2006 6:59:57 AM
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