All,
I would like to point you at http://barcamp.org/BarCampBank. This is the current entry point to the international BarCampBank community that actively gathers around the mission of "fostering innovations and creation of new business models in the world of banking and finance". We have a very active wiki for the French branch at http://www.wikiservice.at/fractal/wikidev.cgi?FR/BarCamp/BarCampBank. A lot of the discussion we have turns around P2P financing and I strongly believe that new models will emerge and have a dramatic impact on personal finance as we know it. While you will probably not invest more than 10% of your wealth in P2P financing, you will probably dedicate way over 10% of your investment activity looking at and screening through peer projects looking for financing. Zopa and Prosper are the most glamorous example to date of what the future of P2P financing will look like.
Frederic Baud