Zopa are expecting a doubling in the market for peer-to peer lending in 2013 as consumers and small businesses in particular turn 
their back on the traditional high-street banks.
Disillusionment is one reason for this and so, it seems, are the terrible returns on savings and often arbitrary and unfair bars put on borrowers.
The peer-to-peer lenders and the likes of campaign groups such as Move your Money would like us to become more like America where only about 25 per cent of lending is done through the banks.
Read More at the Independent