With transaction-based applications such as network routing and web-site serving greatly increasing in the last decade, the computer industry has re-emphasized capacity and throughput issues.
The collaborative consumption space is young, though, so we'll have to wait and see whether the cultural differences between transaction-based and borrowing-based marketplaces survive.
Building relationship with new borrowers or developing transaction-based lending techniques such as credit scoring or leasing requires a build-up of expertise and technical capacity.