A friend introduced me to an interesting podcast recently, with Maurico Miller, which touches on many of the themes I am detecting in the move to put social commerce/social banking on top of social media.  They include trusted networks, social connections, new forms of credit scores, poverty alleviation  through expertise development, and others.

The Family Independence Initiative  platform Uptogether  provides a way for people to connect in interesting ways.

Social Commerce is coming.  Social Banking will happen.  The trends are clear.