Over at Business Insider a link to a brilliant analysis graphic using Craigslist as an example of new services that have taken individual services in Craigslist and made a business out of it. 

But the interesting one is this graphic from same source at Alexander Pease blog that demonstrates the degree that is already happening to bank services. 

This is a topic that this blog talked about a lot several years ago, but now it is getting the attention of the Venture Capital community.  Traditional banks need to look over their shoulder.