P2P

File sharing is the manual distribution of websites' access permissions, documents, media, and programs, etc to others that are known or unknown. There are several ways for file sharing transmission, including hyperlinks, Bluetooth, Airdrop on iPhones, USB copying, and peer-to-peer (P2P) distribution, etc. P2P file sharing is one of the digital source sharing ways but based on peer-to-peer networking technology. For example, access to media like games, ebook, music, and movies via P2P file-sharing software programs, such as  BearShare, LimeWire, KaZaa, eMule, Vuze, uTorrent and BitTorrent.

However, P2P "file" sharing today is not limited to the traditional files but could be sources like loaning and funding. According to Kaufman, she presents a new loaning company- Lending Club, whose operating mode is different than traditional bank mode, using peer-to-peer loaning and lending in "Peers Find Less Pressure Borrowing From Each Other". Under this P2P lending, investors who invest their money on Lending Club can directly be borrowed to borrowers with a lower rate. And such a method benefits both lenders and borrowers, so that's why P2P lending has been developing. Nevertheless, is it credible? Compared with the traditional banks that have been accumulating skyscraping credits, P2P lending remains unproven; otherwise, P2P lending has already exceeded bank loaning.