Nice article illustrating a trend of disintermediation and sharing...which required the world to be digital connected...so any middle man/layer that is not secured yet is not save
The familiar middlemen of 20th-century banking and investing are giving way to something very different. Are we ready for the opportunities—and the risks? Over the next decade, the familiar 20th-century modes of banking and investing will give way to something very different. We are on the verge of the Uberization of finance, which will bring multiple new opportunities but also a range of new risks. Imagine that you want to buy a home. You might find a real-estate agent to show you around, which is a very 20th-century way of doing things. Or you might go 21st century and use the Web to research prices and available properties and to take a few virtual tours.