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Peer-to-peer rental - The rise of the sharing economy

On the internet, everything is for hire

Mar 9th 2013 |From the print edition

LAST night 40,000 people rented accommodation from a service that offers

250,000 rooms in 30,000 cities in 192 countries. They chose their rooms and

paid for everything online. But their beds were provided by private

individuals, rather than a hotel chain. Hosts and guests were matched up by

Airbnb, a firm based in San Francisco. Since its launch in 2008 more than 4m

people have used it 2.5m of them in 2012 alone. It is the most prominent

example of a huge new sharing economy , in which people rent beds, cars, boats

and other assets directly from each other, co-ordinated via the internet.

You might think this is no different from running a bed-and-breakfast, owning a

timeshare or participating in a car pool. But technology has reduced

transaction costs, making sharing assets cheaper and easier than ever and

therefore possible on a much larger scale. The big change is the availability

of more data about people and things, which allows physical assets to be

disaggregated and consumed as services. Before the internet, renting a

surfboard, a power tool or a parking space from someone else was feasible, but

was usually more trouble than it was worth. Now websites such as Airbnb,

RelayRides and SnapGoods match up owners and renters; smartphones with GPS let

people see where the nearest rentable car is parked; social networks provide a

way to check up on people and build trust; and online payment systems handle

the billing.

What s mine is yours, for a fee

Just as peer-to-peer businesses like eBay allow anyone to become a retailer,

sharing sites let individuals act as an ad hoc taxi service, car-hire firm or

boutique hotel as and when it suits them. Just go online or download an app.

The model works for items that are expensive to buy and are widely owned by

people who do not make full use of them. Bedrooms and cars are the most obvious

examples, but you can also rent camping spaces in Sweden, fields in Australia

and washing machines in France. As proponents of the sharing economy like to

put it, access trumps ownership.

Rachel Botsman, the author of a book on the subject, says the consumer

peer-to-peer rental market alone is worth $26 billion. Broader definitions of

the sharing economy include peer-to-peer lending (though cash is hardly a spare

fixed asset) or putting a solar panel on your roof and selling power back to

the grid (though that looks a bit like becoming a utility). And it is not just

individuals: the web makes it easier for companies to rent out spare offices

and idle machines, too. But the core of the sharing economy is people renting

things from each other.

Such collaborative consumption is a good thing for several reasons. Owners

make money from underused assets. Airbnb says hosts in San Francisco who rent

out their homes do so for an average of 58 nights a year, making $9,300. Car

owners who rent their vehicles to others using RelayRides make an average of

$250 a month; some make more than $1,000. Renters, meanwhile, pay less than

they would if they bought the item themselves, or turned to a traditional

provider such as a hotel or car-hire firm. (It is not surprising that many

sharing firms got going during the financial crisis.) And there are

environmental benefits, too: renting a car when you need it, rather than owning

one, means fewer cars are required and fewer resources must be devoted to

making them.

For sociable souls, meeting new people by staying in their homes is part of the

charm. Curmudgeons who imagine that every renter is Norman Bates can still stay

at conventional hotels. For others, the web fosters trust. As well as the

background checks carried out by platform owners, online reviews and ratings

are usually posted by both parties to each transaction, which makes it easy to

spot lousy drivers, bathrobe-pilferers and surfboard-wreckers. By using

Facebook and other social networks, participants can check each other out and

identify friends (or friends of friends) in common. An Airbnb user had her

apartment trashed in 2011. But the remarkable thing is how well the system

usually works.

Peering into the future

The sharing economy is a little like online shopping, which started in America

15 years ago. At first, people were worried about security. But having made a

successful purchase from, say, Amazon, they felt safe buying elsewhere.

Similarly, using Airbnb or a car-hire service for the first time encourages

people to try other offerings. Next, consider eBay. Having started out as a

peer-to-peer marketplace, it is now dominated by professional power sellers

(many of whom started out as ordinary eBay users). The same may happen with the

sharing economy, which also provides new opportunities for enterprise. Some

people have bought cars solely to rent them out, for example.

Incumbents are getting involved too. Avis, a car-hire firm, has a share in a

sharing rival. So do GM and Daimler, two carmakers. In future, companies may

develop hybrid models, listing excess capacity (whether vehicles, equipment or

office space) on peer-to-peer rental sites. In the past, new ways of doing

things online have not displaced the old ways entirely. But they have often

changed them. Just as internet shopping forced Walmart and Tesco to adapt, so

online sharing will shake up transport, tourism, equipment-hire and more.

The main worry is regulatory uncertainty (see Technology Quarterly article).

Will room-renters be subject to hotel taxes, for example? In Amsterdam

officials are using Airbnb listings to track down unlicensed hotels. In some

American cities, peer-to-peer taxi services have been banned after lobbying by

traditional taxi firms. The danger is that although some rules need to be

updated to protect consumers from harm, incumbents will try to destroy

competition. People who rent out rooms should pay tax, of course, but they

should not be regulated like a Ritz-Carlton hotel. The lighter rules that

typically govern bed-and-breakfasts are more than adequate.

The sharing economy is the latest example of the internet s value to consumers

(see Free exchange). This emerging model is now big and disruptive enough for

regulators and companies to have woken up to it. That is a sign of its immense

potential. It is time to start caring about sharing.