File sharing is transferring or sending files over the Internet--it can be through social media sites or private emails. Examples of file sharing is sending pictures through Dropbox via email or uploading a picture of a homework assignment in a private Facebook page. However, P2P (peer to peer) File sharing is transferring files directly from one computer to another. There are P2P softwares you can download to share files, instead of sharing through a web browser.
In the article, "Peers Find Less Pressure Borrowing From Each Other" by Wendy Kaufman, Chanda Lugere managed to make use of the Internet to create Lending Club, which allows investors to put money to fund loans, and borrowers can borrow money for less interest than they would be able to, in the outside world such as from banks and creditors. Essentially, Lugere made use of peer to peer lending and is making a business out of it; "institutional investors have had a hard time finding good fixed-income investments. But P2P lending can offer that" (Kaufman).
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