4 March 2007

New Web sites connect lenders and borrowers [International Herald Tribune]

Be the first to share

Zopaanimmg
About a year and a half ago I wrote about Zopa, a P2P banking service in the UK, and therefore a potentially disruptive innovation in the financial services sector. The International Herald Tribune has meanwhile discovered it as well:

A Web site based in Britain, Zopa.com, and another in the United States, Prosper.com, have started businesses that connect individuals eager to borrow money to other people willing to lend, offering both sides better interest rates than banks.

Banking analysts suggest that these hyper-efficient operations, with few employees and no costly real estate, could force changes to established banks.

Read full story

Be the first to share
2 September 2015
[Book] The Silo Effect
The Silo Effect: The Peril of Expertise and the Promise of Breaking Down Barriers by Gillian Tett Simon & Schuster - September 1, 2015 304 pages > Extract Abstract From award-winning columnist and journalist Gillian Tett comes a brilliant examination of …
2 September 2015
Anthropologists addressing burning issues on a hot planet
Our planet is becoming increasingly hot. We are facing climate change, social turmoil on local and global scales, and changing political and economic systems. The symposium "Why the World Needs Anthropologists" (27 September, Ljubljana, Slovenia) …
15 August 2015
Innovation labs as public change agents
Jesper Christiansen and Runa Sabroe of the Danish human-centred internal governmental body MindLab ask how to increase the effectiveness and legitimacy of public sector interventions – both by creating the actual outcomes that are politically …
15 August 2015
What is the ‘sharing economy’? A perspective from Seoul
As a Fulbright grantee, Emily Hong spent part of the last year researching the sharing economy in Seoul. One of her main findings? Korea actually has two. The first is small-scale, hyper local and socialist in …
14 August 2015
Jon Kolko: Design thinking comes of age
How should companies think about design centricity? For Jon Kolko, vice president of design at Blackboard, an education software company, design thinking can define the way an organization functions at the most basic levels—how it …
11 August 2015
Thingclash: putting human values in the IoT
The Internet of Things (IoT) is forecast to be one of the most far reaching and fundamental shifts in how people interact with technology and their environment since the advent of the Internet. But, the rush …
1 August 2015
Nissan’s place-based design process
Megan Neese is a senior manager in the Future Lab at Nissan Motor Ltd., a cross-functional team tasked with uncovering new business opportunities for the future of automotive. In an article for EPIC, she explains how …
1 August 2015
[Report] Design for Service Innovation & Development
Design for Service Innovation & Development: Final Report Edited by y Daniela Sangiorgi, Alison Prendiville, Jeyon Jung and Eun Yu May 2015 DeSID (Design for Service Innovation and Development) is a six-month scoping study funded by the AHRC …

We are an international experience design consultancy helping companies and organisations to innovate their products, services and processes by putting people and their experiences first.

2 July 2015
Getting citizens involved in protecting fragile energy environments

A new project funded under the FP7 European Commission framework is getting citizens involved in testing new tools for reducing energy consumption during peak loads, in the hope that its pilot program will set the new state of the art for protecting locations with fragile electricity supplies. One of France’s most fragile regions The Provence-Alpes-Côte […]

5 May 2015
Experientia designer Dohun YuLuck Jang 유록 in Design 4 Disaster

Design 4 Disaster features an engaging illustrated safety manual for ship passengers, a personal project by Experientia designer Dohun YuLuck Jang 유록. After the Korean ferry accident last year, Yuluck (who is Korean) wanted to find a way to make safety manuals more interesting to read. He spent one year designing an interactive safety guide […]

16 March 2015
Better Health and Wellbeing: Giving the elderly in Singapore sparkling golden years

Invitation: sharing session, Singapore, 30 March 2015   What are the hopes and fears of the elderly in Singapore? How can designers offer solutions that support the elderly in managing their health and wellness? What can healthcare professionals do to help them keep active? What role can technology play in the elderly’s daily lives? Design consultants […]

1 January 2015
Happy Playful New Year
21 December 2014
Experientia’s Twitter feed live

Experientia has now its own Twitter feed. Four months of Putting People First posts and other links have already been uploaded. If you followed Experientia on Twitter through the feed of its CEO, Mark Vanderbeeken, make sure to now also follow the company (but don’t unfollow Mark, who will keep on tweeting away). And while […]

19 December 2014
Putting People First blog redesigned

Experientia’s Putting People First blog has been redesigned. It is now entirely responsive, allows for easier browsing, searching, and filtering, and features larger images on the posts. The entire history of posts remains accessible as before. We are still tweaking things and welcome any feedback.

See all articles