Peer-to-peer finance lets businesses bypass bank loans . `` People still do n't pay their bills on time , but it ( P2P ) has given us an avenue to remove that stress , '' said Smith . Creative companies with quirky ideas find new lending models advantageous . The Internet has made it easier for people to share and collaborate on projects, but the same technology can also be used by governments or corporations to censor speech online.
Peer-to-peer finance lets businesses bypass bank loans . Creative companies with quirky ideas find new lending models advantageous . The Internet has made it easier for people to share and collaborate on projects, but the same technology can also be used by governments or corporations to censor speech online.