Expertise may be electricity. This type of programs cannot do everything a lender do, because they do not have actually a balance-sheet to maintain lending.

Expertise may be electricity. This type of programs cannot do everything a lender do, because they do not have actually a balance-sheet to maintain lending. A bank’s advantage lies in creating deposits to exploit, regardless if they do not see whom they ought to lend them to. Technology agencies’ benefit is the fact that they…