02568cam a2200433 i 450000100090000000300080000900500170001700700030003400800410003701000170007802000260009502000230012104000310014404100080017504200080018305000230019108200130021410000280022724500990025526400650035430000450041933600260046433700280049033800270051850400670054550504030061252006590101565000680167465000710174265000330181365000390184665000320188565000370191765000270195465000290198165000460201065000440205670000340210022195831BJBSDDR20241024150508.0ta210825s2022    maua     b    001 0 eng    a  2021034384  a9780674987227 (cloth)  a0674987225 (cloth)  aMH/DLCbengerdacDLCdDLC  aeng  apcc14aHG 173bL125d 202200a332.02851 aLaboure, Marion,d1986-10aDemocratizing finance :bthe radical promise of fintech /cMarion Laboure, Nicolas Deffrennes. 1aCambridge, Massachusetts :bHarvard University Press,c2022.  aix, 266 pages :billustrations ;c25 cm.  atextbtxt2rdacontent  aunmediatedbn2rdamedia  avolumebnc2rdacarrier  aIncludes bibliographical references (pages 231-257) and index.0 aMillennials-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.  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"--cProvided by publisher. 0aFinancial institutionsxEffect of technological innovations on. 4aInstituciones financieras xEfecto de innovaciones tecnológicas  0aFinancial services industry. 4aIndustria de servicios financieros 0aEqualityxEconomic aspects. 4aIgualdad xAspectos económicos 0aInternational finance. 4aFinanzas internacionales 0aConsolidation and merger of corporations. 4aConsolidación y fusión de empresas 1 aDeffrennes, Nicolas, d1969-