Here is a 10 minute TED Talk from June 2013 given by Annette Heuser, executive director of the Washington branch of the German Bertelsmann Foundation. In this talk, Ms. Heuser presents a blueprint for a new, non-profit solution to loosen the market grip that the 3 current rating agencies have on the global economy. She doesn’t quite go as far as building it around crowd-sourcing concepts, however the idea has the power to change the current playing field in a provocative and engaging fashion. An interesting experiment worth watching (and contributing to, if rating agency reform is your cup of tea!).