Financial Services


As of January 2008 there's an intense advertising war between and AllState insurance. Progressive is promoting its aggregation function, where it acts as a source of all insurance quotes - including ones from competing firms. is another direct sales insurer. AllState is promoting the fact that it has real people in real offices who can help you if you have an emergency. How to direct sales firms compete with those that use distributors? What other industries show this kind of competition?


  • Merrill Lynch


See PayPal.


4/28/09 WSJ article on peer-to-peer lenders

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