Doing some thinking over the Christmas break, I wondered why the concept of peer to peer lending had not been introduced in Ireland in which it exists in the UK through companies like Zopa. Ireland seems like the perfect market as the banks have failed their societal duty to keep businesses going through lending. There are people with money to invest who did well during the Celtic tiger. Perhaps there is a regulatory issue that makes lending unsafe in Ireland. It certainly seems that there is a business opportunity fhere.