Market share for community and regional banks is slowly being taken away by "nontraditional" providers of financial services, whether they be peer-to-peer lending platforms or other distributors of consumer financial services through the Internet. In addition, global technology leaders are adopting innovative ways to transmit money while leveraging their customer information base. Further disrupting the field are "traditional" financial institutions with a nearly exclusive online presence that understand how best to use customer data and preferences to sell more profitable services, all at reduced costs.