Banks have betrayed my confidence, and I'm afraid that I'm not the only one. Why not to use internet to avoid such an annoying intermediation?

P2P lending is here and it's not new. It works and has a lot of advantages:

• I know where my money goes.
• I have full access to my finances and 24h per day.
• It's possible to get high investment rates, even higher than working with banks.
• It's an ethical way of lending money, sustainable and not less safe than using banks. A right diversification and a reliable system of credit ratings would be good practices.

US is where some web sites of p2p lending are operating successfully, like Prosper. In UK, Zopa is getting more and more popular. Other countries like Spain are starting to discover this kind of moving the money, e.g. Comunitae.

It's not easy to avoid all intermediations when we talk about money so these sites offers, mainly, support to rank the borrowers and loans management for an affordable fee.