It used to be that integrating data across different applications required an unnatural act involving complicated pieces of middleware. In recent times, accomplishing that act has become easier thanks to lighter-weight middleware based on standard Web services and RESTful APIs. But even still, accomplishing that task still requires the skills of a developer. In contrast, the next revolution in data integration is going to be characterized by business users integrating data across applications on their own at will.
What happens when Joe Investor ("sophisticated" or otherwise) backs too many ventures that go bust that take him down with them? Now that crowdfunding is legal thanks to the JOBS Act passed in 2012, scenarios like this and worse have the potential of becoming much more frequent. But just because it's legal doesn't mean it's free of regulation. In fact, the regulations that are still being hammered out promise to be fierce. How will a crowd sourcing investment site, or an enterprise looking for financing on one of those sites, keep track of it all? Actually, that may not even be possible--unless the funding portal uses a service like the Crowdbouncer API.