A parent in Shawnee, Kan., uses Venmo to collect money from his kids to cover part of the family’s cell phone bill. A couple in Woodinville, Wash., uses Apple Cash during the holidays to send cash ...

Peer-to-peer networking has caused a dramatic increase in Internet traffic. Today, the major P2P user is the consumer, and the major application is media file sharing. Music, movies and the like now ...