Well, not quite, IMO.
Because technically those resources are not the Banks own resources. They are the Deposits. That's why Banking is an inherently leveraged business (and unstable by definition). You take deposits to fund credit, making money circulate (and earning your fee's for the "job", aka, arbitrage).
And, by putting the resources the Bank has in the hands of an individual creates another bank, i.e., a single institution whose porpuse is to evaluate and arbitrage information assimetries and balance fund demand with fund supply.
"Social Networking might be a good research direction to solving the P2P information problem solving, by revealing our preferences."
Yes, it could, but it implies they go over the engineering culture they have. It's not an engineering problem, it's an economics one. It's like Google trying to solve a Customer Support problem. They're really not good at "human interaction" ;) Point is, you don't solve it with some hard coding. You solve it with proper incentives structures and market design.