On March 29th, 2015, at session 35 "Doing Business the Internet way", Soul HTITE, Co-Founder of Lending Club, mentions that the “Internet way” of doing business can achieve higher efficiency and lower cost differently from the traditional way.

He compares the internet way of doing business with mass production. He says that both of those two methods solves the efficiecy problem, however, through the usage of the Internet a higher efficiency can be attained even with customer preference customization. He also mentions that the internet is not a miracle and is not the solution to everything.