And I would have to say that it's a trend I am happy to see happening!
One of the things in particular that will become more meaningful in our future economy is that this new form of "banking" will allow for the funding of new businesses that have traditionally never gotten a start because they were considered "too small" for legacy banks to make loans for. I remember wanting to borrow $10K to expand my collectibles business... and that was impossible, but I could have gotten a loan if I had asked for $50K+... which I didn't need.
Many possibilities ahead!
=^..^=