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The view from the top of business. Presented by Evan Davis, The Bottom Line cuts through confusion and spin to present a clearer view of the business world through discussion with people running leading and emerging companies.

This week, Evan meets three pioneers of alternative finance and asks - can they beat the banks at their own game? Giles Andrews is CEO of Zopa, the peer to peer lending website; Anil Stocker is co-founder of Market Invoice, an online finance provider that allows companies to turn invoices into working capital; and Michael Joseph is director of mobile money at Vodafone and former CEO of the Kenyan mobile phone provider Safaricom, where he launched the revolutionary mobile money transfer service, M-Pesa.