P2P

File sharing is the ability to lend files to someone over the internet whether it is through email or another source. P2P file sharing, otherwise known as peer-to-peer file sharing is the direct sharing of a music file or any type of media between friends. This can also be considered illegal since there is a lot to do with the management of digital rights and some of these acts can be considered as piracy. One example of peer-to-peer sharing is the Lending Club which allows people to file for a loan online and get assistance from peers. The interest rate on the loans are much cheaper compared to those of a bank.

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