World-of-Mouth (WOM) and buzz has always been an efficient and effective way to help new products reach the mass consumer market, especially in personal consumer products industry that is conducive to fashion and faddism.

FORBES: The Power of WOM and Buzz: The Soul Cycling Craze

Ian Livingston, BT's chief executive officer, told Marketplace Europe the "consumerization" of business -- the trend for personal consumer devices such as smartphones and tablet computers to be used in the workplace -- was redefining the way we do business.

CNN: BT CEO: Smartphones and tablets transforming workplace

Promisingly, the Chinese bank regulator announced draft rules in May to allow domestic and foreign institutions to set up consumer-finance firms to offer personal loans for consumer-goods purchases.

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