P2P lending has experienced tremendous success when introduced to localized markets.
Global P2P lending would be exponentially larger. Have a quick look at the global market cap of various credit instruments.
Keyhotee and a modified implementation of the Bitshares X DAC would be an ideal platform.
Only a small fraction of the global population has the capital and knowledge to invest in something like Bitshares or other crypto-assets.
Now... how many people need to borrow money? How about businesses?
Would greatly appreciate the Invictus team weighing in on this.
Perhaps there is a moral opposition to creating a decentralized credit market? Credit is without doubt the dark side finance.
However, in terms of creating value for shareholders there is really nothing that compares.
After all...
http://en.wikipedia.org/wiki/History_of_bankingBanking = lending = profit.