I’ve just finished a paper on social, peer-to-peer, participatory financial models. In the paper I contrast traditional banks and interest bearing capital transactions to these emergent models. I’ve been looking at three different examples of these new business models, Zopa, Kiva and Open Capital, considering to what extent these organisations are challenging established practices.

The full paper is available as a PDF. As soon as I’ve got my LaTeX/HTML conversion working I’ll post that too.

With a DCMS Minister urging publicans to challenge alcohol tax rises lobby the Government more effectively on the question of alcohol tax rises, may I present the Sutcliffe defense of : “My comments do not accurately reflect my views.“