Finance, meet the network effect. Technology and an increasingly social consumer are democratizing access to funds and services beyond the walls of Financial institutions. With millennials as important agents of change, new business models for crowdfunding, peer-to-peer lending, socialized payments, and automated investing are rising to take market share from existing banking channels. In the latest in our series on the Future of Finance, we examine how social finance will change the world of borrowing, lending, paying and investing.

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