Reinventing banking and revising capitalism in Estonia

A tiny Estonian outfit offers a way out of the credit crunch and, possibly, a way to rebuild banking

I have started making loans to total strangers – scores of them. I am not mad, rich or philanthropic. The loans are tiny. The safeguards are good. So far, the borrowers are paying me back and I am turning a handy profit. Even nicer, I feel I am part of a revolution which could save Western capitalism. It is all happening in Estonia.

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