Lending, too, is being transformed by technology. Crowdsourced funding and peer-to-peer lending schemes give borrowers the opportunity to circumvent many of the hurdles of traditional banking – including, in some cases, collateral requirements and credit ratings.
贷款业务也在被科技所改变。众筹和点对点贷款机制让借款人有机会绕过传统银行贷款的诸多障碍——在某些例子中，甚至包括抵押品和信用评级。