Imagine instead a simple online interface that could generate a tailored credit score for you, taking into account your future earning potential based on your education and location. It would connect you to lenders ranging from banks and credit unions to pools of individuals who want to lend privately at a negotiated rate for whatever duration you agree on. You could shop around, combine different types of financing and arrange a mortgage package that best suits you, all within a few hours. Over the next decade, the familiar 20th-century modes of banking and investing will give way to something very different...which will bring multiple new opportunities but also a range of new risks. The financial world is one of the most mediated industries on the planet, and that is precisely what is about to change.

http://www.wsj.com/articles/the-uberization-of-finance-1446835102?alg=y