Peer to peer collaboration is the very essence of Internet, it is the mean to create new forms of value impossible before without it, because people's connectivity increase productivity. The Collaborative, bottom up Economy is not in contrast with the traditional, top down economy, it is just radically different. And it is growing. 

Traditional banking is suitable for traditional economy. But the Collaborative Economy is a very different way to build value, so it needs a very different way of banking. Fintech is the answer to these new needs and requirements. And it can be much, much more ethic.