Explore the world's #1 largest database of ideas and innovations, with over 400,000 inspiring examples.
Uncover major shifts and emerging opportunities with our exclusive PRO research.
Trend Reports
Discover why 750 brands rely on our AI-powered Trend Reports to get better, faster insights.
Join over 200,000 subscribers who rely on our weekly newsletter to keep up with need-to-know trends and insights.
Join 20,000,000+ people getting better and faster with our New York Times Bestselling methods, best innovation books & keynote videos.
Get special access to premium content, topic tracking and customizable tools through our AI-powered Dashboard.
Learn how the Trend Hunter harnesses the power of artificial intelligence.
Enhance your innovation potential with a deeper understanding of your unique innovation archetype and how your organization benchmarks.
Accelerate innovation and ignite disruptive thinking with our award-winning programs and research.
Keynotes, Workshops & Webinars
Empower your team with the insights and frameworks they need to innovate better and faster.
Custom Research
Get fast, customized trend reports, presentations and deep dives 20x faster than traditional research.
Get started today with a free consultation, our self-serve tools, or a dedicated program.
Jeremy Gutsche
Ignite your event or virtual event with our CEO, a NY Times Bestselling Author and one of the top innovation keynote speakers.
Our Team of Speakers & Virtual Presenters
Inspire your group with our most popular speakers on innovation, trends, change and futurism.
Get in touch to learn more, ask a question or submit a tip.
About Us
Learn more about Trend Hunter and how we accelerate innovation.
Get answers to common questions about Trend Hunter.
Stay on the cutting-edge with the help of the Trend Hunter community.
Meet the team trusted by hundreds of leading businesses worldwide.
Find opportunities to accelerate your career with the #1 Trend Firm.
Catch up on noteworthy Trend Hunter news and media mentions.
Build a portfolio and put your trend-spotting abilities to the test.
Supercharge your marketing by partnering with Trend Hunter.
Visit your public portfolio and browse your past articles.
Add a Trend
Write up an article and showcase your trend-spotting skills.
My Trends
Edit your articles and see how they stack up on the leaderboards.
Edit your profile, connect your social media accounts, and more.
Add a trend, customize your dashboard, or track topics.
Future Festival
World Summit
Join the world's top innovators at our FREE Virtual event.
eLearning (NEW)
Prepare for the year's ahead with 100+ lessons, tactics, tools and frameworks with our full learning database.
Free Webinars
During COVID-19, learn to innovate through chaos, navigate the new normal and maintain work culture from home.
Innovation Events
Explore our 2020 tour dates and find the best city to inspire your team.
Custom Events
Host a custom innovation conference in your city that will inform and inspire.
Custom Training
Bring the Future Festival experience directly to your team with custom training packages.
Search our database of over 390,000 cutting edge ideas.

P2P Money

Cheaper Lending and Borrowing Without Banks!

— May 2, 2006 — Business
Disintermediation is a term you'll no doubt have heard and will certainly be hearing a lot more in the future. It means “to remove the middle man”, and it's something the internet is incredibly good at. With close to a billion people connecting to the internet in the last decade, and computer-mediated anything just a few minutes of Googling away, radical new ideas can promulgate very quickly. And here's one you're gonna love : think of it as P2P money. Zopa hooks up creditworthy people who want to borrow money with people who are happy to lend it to them. And because there's no middleman (e.g. bank), the borrower just pays a 1% exchange fee upfront. Without the greed and inefficiency of a financial institutuion, both borrower and lender get a better deal than they would otherwise.

For borrowers, the money is cheaper. For lenders, there are no fees, better returns and the facility to manage the risk and seek even higher returns.

If there were a popularity poll for organizations, banks and most other financial institutions would rate towards the bottom of the list, somewhere between monopoly Telcos and the Royal Institute of Executioners – which is why we think Zopa's new angle on democratising the lending of money makes so much sense and will garner such a favourable reaction from so many people.