02818cam a2200493 i 4500 22195831 BJBSDDR 20241024150508.0 ta 210825s2022 maua b 001 0 eng 2021034384 9780674987227 (cloth) 0674987225 (cloth) MH/DLC eng rda DLC DLC eng pcc HG 173 L125d 2022 332.0285 Laboure, Marion, 1986- 38978 Democratizing finance : the radical promise of fintech / Marion Laboure, Nicolas Deffrennes. Cambridge, Massachusetts : Harvard University Press, 2022. ix, 266 pages : illustrations ; 25 cm. text txt rdacontent unmediated n rdamedia volume nc rdacarrier Includes bibliographical references (pages 231-257) and index. 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. "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"-- Provided by publisher. Financial institutions Effect of technological innovations on. Instituciones financieras Efecto de innovaciones tecnológicas 39125 Financial services industry. Industria de servicios financieros 14452 Equality Economic aspects. Igualdad Aspectos económicos 10410 International finance. Finanzas internacionales 2107 Consolidation and merger of corporations. Consolidación y fusión de empresas 15203 Deffrennes, Nicolas, 1969- 39126 7 cbc orignew 1 ecip 20 y-gencatlg lcc BK sba 122263 122263 0 0 lcc 0 0 CS BJB BJB CS 2024-10-17 0 HG 173 L125d 2022 00000128284 2024-10-17 00:00:00 1 2024-10-17 BK