Fund Raising Through Crowd and Peer-to-Peer Banking

Capital is the life blood of the free market economy. The future of capital will not be the conservative bankers and the over-paid investment bankers. The future of capital, I believe, is the crowd, i.e. crowd funding and peer-to-peer banking. Rather than counting on a few venture capitalists, crowd funding raises fund by appealing to a large, really large, number of ordinary people for small donations or investments. So far it has worked brilliantly for a number of cases in the media industry, film and music making, by attracting funding from the community of future customers.
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