P2P

     File sharing refers to sharing or providing access to digital files from one computer to another over a network or the Internet. Peer-to-peer (P2P) file sharing requires the use of a third-party software which allows computers using the same network to locate shared data. This allows users to directly access, download, and edit files. Some examples of P2P file sharing include BitTorrent and the Lending Club.
     According to a Wired article titled "The BitTorrent Effect," BitTorrent was created by Bram Choen and it lets users upload and download large files in a timely manner. Many people used it to download episodes that they had missed. The NPR article titled "Peers Find Less Pressure Borrowing From Each Other" described Lending Club as a peer-to-peer online lending site where borrowers and lenders meet. It's attractive to borrowers because the interest rate is lower. It is also attractive to lenders because it is another way that they can invest their money.