LEADER 01937nas 2200493- 450 001 996542769303316 005 20140603104007.0 011 $a1681-6935 035 $a(DE-599)ZDB2915115-6 035 $a(OCoLC)657026412 035 $a(CKB)5280000000192318 035 $a(CONSER)--2014240253 035 $a(EXLCZ)995280000000192318 100 $a20100819c1970uuuu --- - 101 0 $aspa 135 $aurun||||a|a|| 181 $ctxt$2rdacontent 182 $cc$2rdamedia 183 $acr$2rdacarrier 200 00$aArqueología y sociedad 210 1$aLima :$cMuseo de Arqueologia y Etnologia de la Universidad Nacional Mayor de San Marcos,$d1970- 210 31$aLima :$cMuseo de Arqueología y Antropología ;$cCentro Cultural de San Marcos 300 $a"Publicación trimestral del Museo de Arqueologia y Etnologia de la Universidad Nacional Mayor de San Marcos." 311 $a0254-8062 606 $aIndians of South America$zPeru$xAntiquities$vPeriodicals 606 $aIndians of South America$xAntiquities$vPeriodicals 606 $aAntiquities$2fast$3(OCoLC)fst00810745 606 $aIndians of South America$xAntiquities$2fast$3(OCoLC)fst00969969 607 $aPeru$xAntiquities$vPeriodicals 607 $aAndes$xAntiquities$vPeriodicals 607 $aAndes$2fast 607 $aPeru$2fast 608 $aPeriodicals.$2fast 615 0$aIndians of South America$xAntiquities 615 0$aIndians of South America$xAntiquities 615 7$aAntiquities. 615 7$aIndians of South America$xAntiquities. 712 02$aUniversidad Nacional Mayor de San Marcos.$bMuseo de Arqueología y Etnología, 712 02$aMuseo de Arqueología y Antropología (Universidad Nacional Mayor de San Marcos), 712 02$aUniversidad Nacional Mayor de San Marcos.$bCentro Cultural, 906 $aJOURNAL 912 $a996542769303316 996 $aArqueología y sociedad$93418416 997 $aUNISA LEADER 05024nam 22005895 450 001 9910315358803321 005 20230810163612.0 010 $a9783030036201 010 $a3030036200 024 7 $a10.1007/978-3-030-03620-1 035 $a(CKB)4100000007761796 035 $a(MiAaPQ)EBC5729825 035 $a(DE-He213)978-3-030-03620-1 035 $a(Perlego)3493306 035 $a(EXLCZ)994100000007761796 100 $a20190312d2018 u| 0 101 0 $aeng 135 $aurcnu|||||||| 181 $ctxt$2rdacontent 182 $cc$2rdamedia 183 $acr$2rdacarrier 200 10$aFintech, Small Business & the American Dream $eHow Technology Is Transforming Lending and Shaping a New Era of Small Business Opportunity /$fby Karen G. Mills 205 $a1st ed. 2018. 210 1$aCham :$cSpringer International Publishing :$cImprint: Palgrave Macmillan,$d2018. 215 $a1 online resource (202 pages) $cillustrations 311 08$a9783030036195 311 08$a3030036197 327 $a1. The Story of Small Business Lending -- Part I The Problem -- 2. Small Businesses Are Important to the Economy -- 3. Small Businesses and Their Banks: The Impact of the Great Recession -- 4. Structural Obstacles Slow Small Business Lending -- 5. What Small Businesses Want -- Part II The New World of Fintech Innovation -- 6. The Fintech Innovation Cycle -- 7. The Early Days of Fintech Lending -- 8. Technology Changes the Game: Small Business Utopia -- 9. A Playbook for Banks -- Part III The Role of Regulation -- 10. Regulatory Obstacles: Confusion, Omission, and Overlap -- 11. The Regulatory System of the Future -- Conclusion -- 12. The Future of Fintech and the American Dream. . 330 $aSmall businesses are the backbone of the U.S. economy. They are the biggest job creators and offer a path to the American Dream. But for many, it is difficult to get the capital they need to operate and succeed. In the Great Recession, access to capital for small businesses froze, and in the aftermath, many community banks shuttered their doors and other lenders that had weathered the storm turned to more profitable avenues. For years after the financial crisis, the outlook for many small businesses was bleak. But then a new dawn of financial technology, or "fintech," emerged. Beginning in 2010, new fintech entrepreneurs recognized the gaps in the small business lending market and revolutionized the customer experience for small business owners. Instead of Xeroxing a pile of paperwork and waiting weeks for an answer, small businesses filled out applications online and heard back within hours, sometimes even minutes. Banks scrambled to catch up. Technology companies like Amazon, PayPal, and Square entered the market, and new possibilities for even more transformative products and services began to appear. In Fintech, Small Business & the American Dream, former U.S. Small Business Administrator and Senior Fellow at Harvard Business School, Karen G. Mills, focuses on the needs of small businesses for capital and how technology will transform the small business lending market. This is a market that has been plagued by frictions: it is hard for a lender to figure out which small businesses are creditworthy, and borrowers often don't know how much money or what kind of loan they need. New streams of data have the power to illuminate the opaque nature of a small business's finances, making it easier for them to weather bumpy cash flows and providing more transparency to potential lenders. Mills charts how fintech has changed and will continue to change small business lending, and how financial innovation and wise regulation can restore a path to the American Dream. An ambitious book grappling with the broad significance of small business to the economy, the historical role of credit markets, the dynamics of innovation cycles, and the policy implications for regulation, Fintech, Small Business & the American Dream is relevant to bankers, fintech investors, and regulators; in fact, to anyone who is interested in the future of small business in America. . 606 $aFinance 606 $aFinancial services industry 606 $aBusiness enterprises$xFinance 606 $aTechnological innovations 606 $aFinancial Economics 606 $aFinancial Services 606 $aCorporate Finance 606 $aInnovation and Technology Management 615 0$aFinance. 615 0$aFinancial services industry. 615 0$aBusiness enterprises$xFinance. 615 0$aTechnological innovations. 615 14$aFinancial Economics. 615 24$aFinancial Services. 615 24$aCorporate Finance. 615 24$aInnovation and Technology Management. 676 $a338.6420973 676 $a338.6420973 700 $aMills$b Karen G$4aut$4http://id.loc.gov/vocabulary/relators/aut$01062048 906 $aBOOK 912 $a9910315358803321 996 $aFintech, Small Business & the American Dream$92522149 997 $aUNINA