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collaborative economy collaborative consumption collaborative lab sharing economy airbnb rachel botsman p2p calgary toronto shareable cities montreal canada cities sharing marketplaces start-ups car sharing venture capital collaboration techshop business models getable taskrabbit peer economy market trend wef revenue models reputation capital failure business goget australia vision critical uber kickstarter on-demand logistics services delivery bogota colombia world credit union conference 2014 finance wcuc banking collaborative finance hospitality hftp hitec april rinne vancouver business and economy