While finance firms have been demonized as being a major part of several problems in the United States, there’s a significant difference in the field of financial technology.
To that end, Forbes recently compiled a list of the five best such firms of 2012, and at the same time, managed to illustrate major changes in the financial world as a whole.
First on the list, not surprisingly, was Kickstarter, which took a prominent slot as a leader in crowdfunding, a practice allowing multiple users to contribute small amounts of money to a project in exchange for special gifts, like advance copies of a product.
A company establishes a target and then, should it reach that funding goal, receives the money. Should it fail to reach that target, the money is returned to investors.
Second is Lending Club, which got its start in 2007. In the intervening five years since its start, Lending Club has provided over a billion dollars in personal loans. This opportunity – a way to lend smaller amounts of money at decent rates – led to surprising gains for investors in a time when most other investment sources had stalled in terms of returns ... Read More >>
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