22: P2P lending, retail banking, and the future of online services with Ling Kong

John and Matt talk with Ling Kong, CTO of Dianrong about: - How peer-to-peer (P2P) lending got started - What makes Dianrong different from their competitors (hint: there's a reason we're talking to the CTO) - How the government sees the P2P lending industry - Why and how China's credit habits are changing - What a private blockchain application could look like