I'd summarise by saying we are going to see increased disintermediation of the banks. We've already got: * P2P Loans * B2B Loans * C2B Loans * P2P FX * Onl

I'd summarise by saying we are going to see increased disintermediation of the banks. We've already got: * P2P Loans * B2B Loans * C2B Loans * P2P FX * Online only banks * Crowfunded Debt * Crowfunded Equity