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On 14 October 2008, Lending Club, an online peer-to-peer (P2P) social lending
network, completed its U.S. Securities and Exchange Commission (SEC)
registration process and opened its Web site to new lenders. This registration
enables a secondary P2P loan market, offering enhanced liquidity options for the
lenders.

Banks:





• Competition increasingly comes from unexpected directions. Develop
  competitive intelligence processes that look beyond traditional geographic and
  industry boundaries.
  
• Expect FSNs to continue to expand their services to both borrowers and
  lenders, as well as their distribution networks. Consider partnering with FSNs
  to improve their distribution capability and meet investor demand for more
  transparent investment vehicles.
  
• Examine the registration processes of Lending Club and Prosper Marketplace,
  and look for lessons in how to achieve greater speed and efficiencies in new
  business efforts.

Key Findings






• SOA adoption is highest in Europe and lowest in Asia. There has been a
  decrease in the number of organizations planning to adopt SOA next year, and a
  corresponding increase in those with no plans. This shows that a significant
  minority of organizations is not pursuing SOA at this time.
  
• SOA is generally justified as a means of reducing costs. However, the impact
  on costs has been significantly less than the impact on agility and speed.
  
• Nearly 75% of all organizations implementing SOA report positive return on
  investment (ROI) in less than 24 months.


Recommendations






• Use the results of this survey to increase your understanding of the most
  effective ways to use SOA in your organization.
  
• Focus on leveraging SOA as part of your overall IT strategy.
  

In a white paper to be
released on Monday, Microsoft calls for the adoption of an Information Card
system that uses an interoperable vendor-neutral framework for identity
management and provides end users with direct control of their digital
identities.

Key Findings





• Researchers are among the class of knowledge workers whose work is different from other job types in a significant way: They create new knowledge while using existing knowledge.


• Despite the potential advantages, each company will need to determine its own readiness for moving into an "open" R&D paradigm that is supported by social software tools.




Recommendations





• Look for processes being performed by knowledge workers that lack a pre-defined structure. They are potential candidates for social software tools that can enhance informal exchanges, brainstorming, idea exploration and cross-fertilization.


• Pay careful attention to the human factors that impact acceptance of social software tools.


• Develop alternative recognition and reward mechanisms that acknowledge collaborative contributions to colleagues' work.