Johnnie Moore of BrandShift talks with two of the the founders of Zopa, a new start-up that calls itself a kind of "eBay for Money," in this podcast interview. Johnnie explains: "[It's] a British company that creates a new market for individuals to lend and borrow money, bypassing the banks altogether. Zopa makes a 1% charge for matching up borrowers and lenders and provides essential infrastructure to support the lending process."

Explains one of his interviewees: "99% of people are good and 1% of people are bad. Here is an industry that's set itself up to serve the 99 but through lens of the 1% that's bad. And what we'd much rather do is... create a sort of perimeter fence to keep the 1% out and then let the people within (be in) a much better position to work out how they exchange and what the appropriate rates are and what the appropriate products are..."

Johnnie again: "This interview gives some great insights into the vision behind Zopa, a brand which I think is a radical new departure in financial services... I was excited by what Zopa is up to, and this interview gives some great insights into the innovative thinking behind the organisation."

Go to the interview with Zopa's creator Dave Nicholson and CFO James Alexander and download the podcast now.