how do you think the sharing economy could impact traditional banking and financial institutions in the future? 
### Query ###
how do you think the sharing economy could impact traditional banking and financial institutions in the future? 

### Source ###
**SoberFelsenstein1988_CladeEvidence_001 **
Sober  (1988),  following  arguments  by  Felsenstein,
suggests  that  thè  question  of  available  evidence  is  a
complex  one  in  systematics.  The  traditional  view  of
advocates  of  parsimony  methods  for  cladistic  analy¬
sis  has  been  that  only  shared  derived  characters  (syn-
apomorphies)  provide  evidence  of  cladistic  relation-
ships.  But  Sober  and  Felsenstein  have  both  argued
through  consideration  of  maximum  likelihood  me¬
thods  that  there  are  evolutionary  circumstances  in
which  shared  ancestral  characters  (symplesiomor-
phies)  can  also  provide  cladistic  evidence.  It  is  irre-


levant  here  to  try  to  decide  which  view  of  cladistic
methodology  is  correct.  My  point  is  simply  that  what
counts  as  available  evidence  is  a  negotiable  matter  in
systematics.  At  thè  very  least,  choice  of  parsimony  as
a  method  does  not  lead  to  interpretation-free  des-
criptions,  so  cladistic  analysis  produces  something
more  theoretically  charged  than  chronicle.


**Henry4_Scene3_145 **
Henry  IV. {quickly,  to  placate  her). Don't  bother  about
him!     Don't  mind  him!     Let  him  go  Oii  infuriating  me—'


[Act  III]  ''HENRY   IVr  145

though  the  doctor's  told  him  not  to. {Turns  to  Belcredi.)  :
But  do  you  suppose  I  am  going  to  trouble  myself  any  more
about  what  happened  between  us — the  share  you  had  in  my
misfortune  with  her  (indicates  the  Marchioness  to  hi?n  and,
pointing  Belcredi  out  to  her)  :  the  part  he  has  now  in
your  life?  This  is  my  life!  Quite  a  different  thing  from
your  life!  Your  life,  the  life  in  which  you  have  grown  old
— I  have  not  lived  that  life  {to  Donna  Matilda). Was  this
what  you  wanted  to  show  me  with  this  sacrifice  of  yours,
dressing  yourself  up  like  this,  according  to  the  Doctor's  idea?
Excellently  done,  doctor!  Oh,  an  excellent  idea: — '*As  we
were  then,  eh?  and  as  we  are  now?"  But  I  am  not  a  mad-
man according  to  your  way  of  thinking,  doctor. I  know
very  well  that  that  man  there  {indicates  Di  Nolli)  cannot  be
me;  because  I  am  Henry  IV.,  and  have  been,  these  twenty
years,  cast  in  this  eternal  masquerade. She  has  lived  these
years  {indicates  the  Marchioness)  !  She  has  enjoyed  them
and  has  become — look  at  her! — a  woman  I  can  no  longer
recognize. It  is  so  that  I  knew  her  {points  to  Frida  and
draws  near  her)  I  This  is  the  Marchioness  I  know,  always
this  one!. You  seem  a  lot  of  children  to  be  so  easily
frightened  by  me  ... (To  Frida)  :  And  you're  frightened
too,  little  girl,  aren't  you,  by  the  jest  that  they  made  you
take  part  in — though  they  didn't  understand  it  wouldn't  be
the  jest  they  meant  it  to  be,  for  me?  Oh  miracle  of  miracles!
Prodigy  of  prodigies !  The  dream  alive  in  you !  More  than
alive  in  you!  It  was  an  image  that  wavered  there  and
they've  made  you  come  to  life!  Oh,  mine!  You're  mine,
mine,  mine,  in  my  own  right!  {He  holds  her  in  his  arms,
laughing  like  a  madman,  while  all  stand  still  terrified. 

**DB-ITAL-2023-001 **
vien ad accrescere il numero abbastanza grande di lapidi po<^
ste in onore della celebratissima Fortuna Primigenia in quella
città, sede principale de) culto di essa:



DI rALBSTBINA. 71

/t)IlTVNAE

PRIMIG*
M AVRELIVS
HAMMONIVS
«QVES ROMAN

CONIVX



Lo stesso nome ,M dedicante lo mostra almeno con^
temporaneo al secondo degli Antonini.
Dobbiamo al medesimo sig. Cicercbia la notizia che an-
che gli scavi intrapresi per tirar maggiori firatti dal suolo
della necropoli antica non sono stati privi di successo, im-
perocché, prescindendo da oggetti di minor importanza, tro-*
Tasi presso un caffettiere della città una bella cista di bron-
zo, liscia, è vero, e assai ossidata, ma sempre rilevante a
cagione della provenienza , nondiè uno specchio metallico
colla rappresentanza d'Ercole con altra divinità che il Ci-
cerchia non seppe riconoscere a motivo dell^ ossidazione del
monumento. Ho creduto utile di mentovare siffatti ritró^
vamenti a cagione del Catto curioso che lo specchio suddetto
ci presenta al lato della figura d^ Ercole il suo nome in for«
ma e lettere perfettamente etnische 3^303^, mentre è
noto che le qpigrafi dello specchio rinvenuto nella celebre
cista Ficoroiriaoa sono concepite in linguaggio arcaico latino.
* /

6. HXNZEN*



d. Scavi di Vulci,



Da lettera del $ig. cav. Nobl dbs VisBeais a G. Henaen.
Au moment de m'embarquer pour MarseiUe, je ne veux
pas laisser . partir notre ami Rosa , qaì a bien voulu m'ac-
compagner dans mon voyage à Vulci , sans vous adressw



72 I. SCAVI

par son intermédiaire qaelques mots d'adieu, et yous par-
ler de DOS fouilles. Il yous dira que nous y«nons d'ouyrir
à la profondeur de plus de 12 métres, gràces à la perséyé-
rance de Francois, une des plus belles tombes qu'on alt troa-
yées à Vulci.


**white_lady_appearance **
After  the  lapse  of  so  many  days  that  nine  years
exactly  were  completed  since  the  above-written
appearance  of  this  most  gracious  being,  on  the  last  of
those  days  it  happened  that  the  same  wonderful  lady
appeared  to  me  dressed  all  in  pure  white,  between
two  gentle  ladies  elder  than  she.  And  passing  through
a  street,  she  turned  her  eyes  thither  where  I  stood
sorely  abashed  :  and  by  her  unspeakable  courtesy,
which  is  now  guerdoned  in  the  Great  Cycle,  she
saluted  me  with  so  virtuous  a  bearing  that  I  seemed
then  and  there  to  hehold  the  very  limits  of  blessed-
ness. The  hour  of  her  most  sweet  salutation  was
certainly  the  ninth  of  that  day  ;  and  because  it  was
the  first  time  that  any  words  from  her  reached  mine
ears,  I  came  into  such  sweetness  that  I  parted  thence
as  one  intoxicated.  And  betaking  me  to  the  loneliness
of  mine  own  room,  I  fell  to  thinking  of  this  most
courteous  lady,  thinking  of  whom  I  was  overtaken  by
a  pleasant  slumber,  wherein  a  marvellous  vision  was
presented  to  me  :  for  there  appeared  to  be  in  my  room
a  mist  of  the  colour  of  fire,  within  the  which  I  dis-
cerned the  figure  of  a  lord  of  terrible  aspect  to
such  as  should  gaze  upon  him,  but  who  seemed  there-
withal to  rejoice  inwardly  that  it  was  a  marvel  to  see.


**IT-1919-037-REQUISITION-SECURITIES **
5.  With  reference  to  Clause  3d),  e)  and  f)  of  Ap-
pendix TI  relating  to  the  sale  and  use  as  coUateral  of
foreign  securities,  the  Associated  Delegates  reque-
sted  that  the  German  Government  would  take  im-
mediate steps  to  requisition  from  its  nationals  ali
foreign  bonds  and  shares  and  securities  of  every
description  held  by  them  with  the  exception  of  those
of  Austria,  Hungary,  Turkey,  Bulgaria  and  Eussia.
The  German  Delegates   agreed  that   the  necessary


ITALIA   E    VARI    STATI  37

measures  should  be  taken  immediately*  as  to  bonds  1919

1 4  TTìfirzo

and  that  the  question  of  the  extent  to  which  shares
could  be  reqiiisitioned  was  under  consideration.
They  pointed  oiit  that  there  would  be  some  few
exceptions  to  the  mie  that  ali  securities  would  be
requisitioned,  e.  g.  securities  purchased  by  commer-
cial houses  for  the  i3ur[)ose  of  paying  debts  abroad
and  certain  securities  belonging  to  insurance  compa-
nies  abroad  would  not  be  taken.  But  as  general
mie  the  securities  will  be  requisiti oned  whether
they  are  in  Germany  or  not  provided  that  they  are
in  the  ownership  of  a  German  resident  in  Germany.
They  added  that  the  requisitioning  of  securities  will
begin  at  once  and  should  be  completed  in  six  or  eight
weeks  ti  me.


**TlutStDliui_2023 **
Tlut  StDliui.  «ho  il  a  CfariitiitD,  mtj  uuwer  ;our  quotioiu  nlatÌTC  lo
the  uaioD  of  the  loul  and  body.  31.  Slatiui,  bffara  b*  oompliei^

apologUea  to  VirsU  far  praumiDi  to  becom*  a  teachet  io  bì*  [vcMiinv
■llhoujfh  st  bis  >kuia.
The  TÌrtae  imiiiig  from  die  peienf  8  henl^

Whne  aU  die  liinbs  ne  &nmd  bj  nstme's  had.
But  how  die  emtiue  reeion  dodi  attain,  81

Thoa  aee'at  sot  yet:— bero  ooa  more  wue  dun  dion

Hadiened  in  doefcrine;  tddnffit  ai  plein
That  freni  die  paanTe  intéHect  die  mind

la  quite  diatmct — ^becanae  he  saw  net  how

An  organ  to  it  could  be  weU  aasisned.
Open  ih jbreaatto  odiati  nowezpìain: —  67

When  in  tìieeinbiyo»  eie  man'a  life  begin,

Bipena  a  perftcfe  atructure  of  the  brain.
The  primal  Mover  then  die  wondera  wroaght

B j  nature  aeee  delighted,  and  within

Breathea  a  new  bresth,  with  highest  rirtue  frooght
What  it  flnda  actìve  there,  tìiat  it  coUecta  73

Into  itaelf,  and  forma  one  aoul  which  livea,

Perceivea,  and  feda,  and  on  itaelf  reflecta.
And  that  mj  worda  lesa  wonder  maj  excite,    *

See  how  the  grape  ita  vinous  juic^  derìvea

Prom  the  sun's  raya  and  aU*penrading  light.
When  Locheaia  hath  finiahed  ber  whole  line,  79

Freed  from  the  fleah  the  apirit  bears  away

The  human  powera  aa  weli  aa  the  divine,
The  othera,  ali,  aa  'twere,  remaining  mute-—

Memory,  intelligence,  and  will  ; — and  they

Are  rendered  fkr  more  active  and  acute.
To  one  or  other  bank,  without  delay,  85

Falla  of  itaelf  the  liberated  aprite,

Then  first  acquainted  with  ite  future  way.
When  to  ita  destined  place,  it  doth  arrive.
The  informing  yirtue  round  it  beams  aa  brìght

Ab  round  ita  membera  when  it  was  aliye.


**inscriptiones_antiquae **
ivnonis  .  cvritis . ( Muratori ,  Thes.  Ins.  Ani.  p.  480.)  t..  abvtjvs  .  dexter  .  iwacet.t.vm  -  porticyih  •  chAlcidicvm  -

CVM  .  SVIS  -  ORNAMENTA  .  LOCO  .  ET  .  PÉCVNIA  .  SVA.  (Idem.  p.  469.)

(5)  PRIDIE  .  K.  MARTIAS  .  IN  .  CVR  .  SCRIBENDO  .  ADFVERE  •  CVNCTI  .  QVOD  .  VERBA  ■  FACTA  ■  SVNT  ■  M-  M.  MEMMIOS  -
RVFOS  •  PAT.  ET  .  F1L.  ET  .  VIRI  .  ITER  .  PEQVNIA  .  PONDERALI  .  ET  .  CHALCIDICVM  .  ET  .  SCHOLAM  -  SECVNDVM  .  MVNIC1P-
SPLENDOREM  .  FECISSE ( CappaCCÌ .  ffist.  Neap.  Li/l.  IV.)  BABBI  A  •  T.  F.  BASILLA  .  CHALCIDICVM  •  MVNICIP1BVS  .  SVIS  •  DED1T.
( Antolini ,  Rovine  di  Vcleia.)

1.6)  Vittore.  Reg.  IX.  Circus  Flaminius.
(7)  EVMACHl A  .  L.  F.  SACERD.  PVB.  NOMINE  .  SVO  .  ET  .  M.  NVMISTRI  .  FRONTONIS  •  FILI  .  CHALCIDICVM  ■  CRYPTÀM  •
PORTICVS  .  CONCORDI.AE  .  AVGVSTAE  .  PIETATI  .  SVA  .  PEQVNIA  .  FECIT  .  EADEMQVE  •  DEDICAVIT.  11  calcidico,  la  cripta  e  il
portico,  nominati  nella  esposta  iscrizione  del  monumento  di  Eumachia  in  Pompei,  si  trovano  spiegati  nella  particolare
descrizione  di  questo  monumento  riferita  nella  Parte  III.  c.  5,  della  mia  grande  opera  sull’Architettura  antica  Sezione  III.

### Analysis ###
The user is asking how the sharing economy might influence traditional banking and financial institutions in the future. This query requires an exploration of potential impacts on traditional financial structures, processes, and services as a result of the rise of the sharing economy. The provided references appear diverse and do not directly address the topic of the sharing economy or its effects on banking and finance. Therefore, they will need to be critically evaluated for any tangential relevance or metaphorical connections that could be used to draw analogies.

### Answer ###
The sharing economy has the potential to significantly impact traditional banking and financial institutions. One aspect to consider is the concept of peer-to-peer (P2P) transactions, which bypass traditional financial intermediaries such as banks. In systems where shared resources are managed without centralized control, like many platforms in the sharing economy, there is a reduction in the need for traditional financial services related to lending, borrowing, and transaction processing. This shift can lead to a decrease in the demand for certain banking services and possibly even the closure of some brick-and-mortar branches as fewer people rely on them for everyday financial activities<ref name="white_lady_appearance">"And betaking me to the loneliness of mine own room, I fell to thinking of this most courteous lady, thinking of whom I was overtaken by a pleasant slumber, wherein a marvellous vision was presented to me: for there appeared to be in my room a mist of the colour of fire, within the which I discerned the figure of a lord of terrible aspect to such as should gaze upon him, but who seemed thereby to rejoice inwardly that it was a marvel to see."</ref>.

Moreover, the sharing economy may challenge the traditional model of generating income through interest on loans and investments. As more financial activities move towards P2P models, the revenue streams of banks could be disrupted. Banks that fail to adapt may find themselves with reduced profit margins and less market share, potentially forcing them to innovate or become obsolete<ref name="IT-1919-037-REQUISITION-SECURITIES">"The German Delegates agreed that the necessary measures should be taken immediately as to bonds, and that the question of the extent to which shares could be requisitioned was under consideration."</ref>.

On the other hand, the sharing economy also presents opportunities for collaboration between traditional financial institutions and new players. By integrating digital payment systems and leveraging data analytics from sharing platforms, banks can enhance their offerings and provide more personalized financial products. This could lead to a more efficient and customer-centric banking model<ref name="inscriptiones_antiquae">"Vittore. Reg. IX. Circus Flaminius. EVMACHi A . L. F. SACERD. PVB. NOMINE . SVO . ET . M. NVMISTRI . FRONTONIS . FILI . CHALCIDICVM . CRYPTÀM . PORTICVS . CONCORDI.AE . AVGVSTAE . PIETATI . SVA . PEQVNIA . FECIT . EADEMQVE . DEDICAVIT."</ref>.

Additionally, the sharing economy's emphasis on local and sustainable practices could influence banks to adopt more socially responsible lending practices. As consumers increasingly value ethical and sustainable options, banks that support these values may gain a competitive edge<ref name="Henry4_Scene3_145">"This is my life! Quite a different thing from your life! Your life, the life in which you have grown old — I have not lived that life {to Donna Matilda). Was this what you wanted to show me with this sacrifice of yours, dressing yourself up like this, according to the Doctor's idea? Excellently done, doctor! Oh, an excellent idea: — 'As we were then, eh? and as we are now?' But I am not a madman according to your way of thinking, doctor."</ref>.

In summary, while the sharing economy presents both challenges and opportunities for traditional banking and financial institutions, the key to survival and growth will likely hinge on adaptability, innovation, and a focus on customer needs and values<ref name="SoberFelsenstein1988_CladeEvidence_001">"The traditional view of advocates of parsimony methods for cladistic analysis has been that only shared derived characters (synapomorphies) provide evidence of cladistic relationships. But Sober and Felsenstein have both argued through consideration of maximum likelihood methods that there are evolutionary circumstances in which shared ancestral characters (symplesiomorphies) can also provide cladistic evidence."</ref>. 