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THE BANK OF FACEBOOK

The lending industry should be very afraid. Your friends are a great predictor of whether you’ll pay back a loan

@kmaney

DISRUPTIVE

WHAT A CARD! A social credit system would be a boon to the billions who can’t get credit now: the young, the poor and all those without a bank account.

FACEBOOK SEEMS READY to radically reimagine credit cards—minus the “card” part, of course. It’s already a foregone conclusion that by next decade carrying a plastic card to buy stuff will be as anachronistic as hauling around a boom box to listen to music.

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