The Sharing Economy And The Future Of Finance

TechCrunch

Editor’s Note: Christopher O. Hernæs is Vice President of Strategy, Innovation and Analysis of SpareBank 1 Group, Norway’s second largest financialinstitution. He was previously a partner at Core Group, where he worked with strategy development and innovation for Technology, Media, Telecom and financial services.

Banking has gone from somewhere you go to something you do. If we are to believe that the sharing economy will shape our future, banking and all financial services will become something that merely exists in the background, similar to other basic utilities.

I have previously argued that financial services are in danger of becoming a commodity due to the disruption of traditional value networks and business models, as well as lack of trust from the millennial generation. The sharing economy is already reshaping the industry through P2P lending, social payments, crowdfunding and P2P insurance. But if we look at what is going on in other industries and the rest of society, the implications are far more extensive.

Jeremy Rifkin stirred up a great deal of debate with the release of…

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About plerudulier

Primarily interested in interacting and engaging with people about issues related to profession but also charity, environment, ... you get the idea.

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