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03018aam a2200481 i 4500 001 76FDCFA0F15311ED9528572D34ECA4DB 003 SILO 005 20230513010028 008 210825t20222022maua b 001 0 eng 010 $a 2021034384 020 $a 0674987225 020 $a 9780674987227 035 $a (OCoLC)1266222095 040 $a MH/DLC $b eng $e rda $c DLC $d OCLCO $d OCLCF $d BDX $d OCLCO $d UKMGB $d YDX $d OCLCO $d ZAQ $d MUU $d SILO 042 $a pcc 050 00 $a HG173 $b .L34 2022 082 00 $a 332.0285 $2 23 100 1 $a Labouré, Marion, $e author. 245 10 $a Democratizing finance : $b the radical promise of fintech / $c Marion Laboure, Nicolas Deffrennes. 264 1 $a Cambridge, Massachusetts : $b Harvard University Press, $c 2022. 300 $a ix, 266 pages : $b illustrations ; $c 25 cm 504 $a Includes bibliographical references (pages 231-257) and index. 505 0 $a Millennials-the subprime generation? -- Banking in the digital era -- The emergence of robo-advisors -- The digitalization of public services -- A macroeconomic view of growth, inequality, and financial exclusion -- Fintech, financial inclusion, and economic infrastructure -- The interplay of fintech and government -- Towards a cashless society -- Digital currencies-The ultimate hard power tool. 520 $a "Since the late twentieth century, banks and insurance companies have grown rapidly and consolidated so that financial markets are dominated by fewer and bigger players. Marion Laboure and Nicolas Deffrennes argue that this trend has made access to financial services, especially high-quality financial services, harder for people with low and middle incomes in developed countries, exacerbating inequality. In developing countries, meanwhile, access to any services at all remains difficult for hundreds of millions of people. The authors argue that the rise of new technologies promises to make access easier around the world"-- $c Provided by publisher. 650 0 $a Financial institutions $x Effect of technological innovations on. 650 0 $a Financial services industry. 650 0 $a Equality $x Economic aspects. 650 0 $a International finance. 650 0 $a Consolidation and merger of corporations. 650 6 $a Institutions financières $x Effets des innovations sur. 650 6 $a Services financiers. 650 6 $a Entreprises $x Fusion. 650 7 $a Consolidation and merger of corporations. $2 fast $0 (OCoLC)fst00875660 650 7 $a Equality $x Economic aspects. $2 fast $0 (OCoLC)fst00914460 650 7 $a Financial institutions $x Effect of technological innovations on. $2 fast $0 (OCoLC)fst01751114 650 7 $a Financial services industry. $2 fast $0 (OCoLC)fst00924738 650 7 $a International finance. $2 fast $0 (OCoLC)fst00976945 700 1 $a Deffrennes, Nicolas, $d 1983- $e author. 776 08 $i ebook version : $z 9780674275980 941 $a 1 952 $l UNUX074 $d 20230513010136.0 956 $a http://locator.silo.lib.ia.us/search.cgi?index_0=id&term_0=76FDCFA0F15311ED9528572D34ECA4DB 994 $a Z0 $b NIUInitiate Another SILO Locator Search