The news came through David de Ugarte. Virgin Money one of the most active companies of the amazing Sir Richard Branson, has expanded its horizons to the United States, Virgin Money launched here with a focus on loans P2P (person to person). These loans between individuals, friends and relatives, mainly, are another example of the power to transform societies towards the “natural.” It’s a return to basics.

Virgin Money works in England since 1995, with the name of Virgin Direct. It has been transformed into the conglomerate it is today with many financial product and reinventing the concept of personal finance. However, this move towards private banking, it is very interesting as an important step forward in the possible traditional competitors enter the market afterward. It is also interesting is his “language”, which gives an idea of how they express online communication: simple for simple people.

The world of private banking has references and Zopa, which says something for some months and is starting to spread. A week ago, has opened Zopa Italy and its growth is spectacular. His landing in the U.S. is planned for next week, according to the Wall Street Journal. We can also find boob recently opened her company in Italy and there are many other companies in the United States where the loan is as normal as a coffee every morning. Prosper, Loaned and Globe fund are other established or future.

Lending Club is separate case, an extraordinary example of how social networks are organized into multiple directions. This allows the existence of intermediaries that break the established norm and give the “turn the tables” to the concept.

What for 99% of the population seems to be “internet stuff” begins to be observed very closely by the big banks that have comeptir in offering financial products with these new tenants. This is just another example of the increase in the value of ideas, some of what I’m talking a lot lately.

One of the ways to accelerate the time business knows your company harness the talent and value the ideas of those working in the organization. E inserts into your strategic trunk the whole process of innovation. This will let the ideas flow and directed towards mutual benefit, business-person.

Another thought is: Why does not yet exist in Spain? Does anyone doubt its impending arrival? Why not start a project? What is needed? “An expert in banking, most legal experts, an entrepreneur with more enthusiasm and passion?. Maybe Spain has some legal restrictions on such businesses. I do not know the law in these cases, but I understand that there will be some form of carry forward. Does anyone dare?

If I were a big bank, this option would open under a new name. Is it throwing stones at your own roof? I think not. It’s just a quick move ahead in the likely growth of a segment of high turnover of money. And it is better to be, not to be.

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