P2P


               File sharing is the access to digital media, such as music, video, ebook, computer program, game and more. Peer-to-Peer means computer systems are connected to each other via the internet. So, Peer-to-Peer file sharing allows users to share files directly between computer systems. They don’t need to do the transition via a central server. One user can search for files on other users’ computers, and so do other users. Peer-to-Peer is used in various aspects. Microsoft uses the Peer-to-Peer machine to spread update file to all computers which use the window system. It saves the user’s internet bandwidth and time. Peer-to-Peer is also used in the financial industry. Google invests $125 million in the Lending Club to get borrowers and lenders outside of the conventional banking system. “It is a direct funding process between the investors and the borrowers.” (npr) It helps borrowers to get rid of all time-consuming steps in traditional loaning process and receive a stable and low interest. However, some people are concerned about the growth of the Peer-to-Peer because it might cause some risks, for example, the data security. It might take a little longer to change people’s mind and behavior, especially when it is related to money.

Reference
Peers Find Less Pressure Borrowing From Each Other,  npr, May 10, 2013 http://www.npr.org/blogs/alltechconsidered/2013/05/10/182651552/peers-find-less-pressure-borrowing-from-each-other



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