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Author: Karen G. Mills
Publisher: Springer Nature
ISBN: 3031556127
Category : Banks and banking
Languages : en
Pages : 285
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Book Description
Small 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 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. Every small business is different; one day the borrower is a dry cleaner and the next a parts supplier, making it difficult for lenders to understand each business's unique circumstances. Today, however, big data and artificial intelligence have the power to illuminate the opaque nature of a small business's finances and make it easier for them access capital to weather bumpy cash flows or to invest in growth opportunities. Beginning in the dark days following the 2008-9 recession and continuing through the crisis of the Covid-19 Pandemic, Mills charts how fintech has changed and will continue to change small business lending. In the new fintech landscape financial products are embedded in applications that small business owners use on daily basis, and data powered algorithms provide automated insights to determine which businesses are creditworthy. Digital challenger banks, big tech and traditional banks and credit card companies are deciding how they want to engage in the new lending ecosystem. Who will be the winners and losers? How should regulators respond? In this pivotal moment, Mills elucidates how financial innovation and wise regulation can restore a path to the American Dream by improving access to small business credit. 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, this second edition of Fintech, Small Business & the American Dream is relevant to bankers, regulators and fintech entrepreneurs and investors; in fact, to anyone who is interested in the future of small business in America.
Author: Karen G. Mills
Publisher: Springer Nature
ISBN: 3031556127
Category : Banks and banking
Languages : en
Pages : 285
Get Book Here
Book Description
Small 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 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. Every small business is different; one day the borrower is a dry cleaner and the next a parts supplier, making it difficult for lenders to understand each business's unique circumstances. Today, however, big data and artificial intelligence have the power to illuminate the opaque nature of a small business's finances and make it easier for them access capital to weather bumpy cash flows or to invest in growth opportunities. Beginning in the dark days following the 2008-9 recession and continuing through the crisis of the Covid-19 Pandemic, Mills charts how fintech has changed and will continue to change small business lending. In the new fintech landscape financial products are embedded in applications that small business owners use on daily basis, and data powered algorithms provide automated insights to determine which businesses are creditworthy. Digital challenger banks, big tech and traditional banks and credit card companies are deciding how they want to engage in the new lending ecosystem. Who will be the winners and losers? How should regulators respond? In this pivotal moment, Mills elucidates how financial innovation and wise regulation can restore a path to the American Dream by improving access to small business credit. 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, this second edition of Fintech, Small Business & the American Dream is relevant to bankers, regulators and fintech entrepreneurs and investors; in fact, to anyone who is interested in the future of small business in America.
Author: Karen G. Mills
Publisher: Springer
ISBN: 3030036200
Category : Business & Economics
Languages : en
Pages : 202
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Book Description
Small 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.
Author: New York University Stern School of Business
Publisher: John Wiley & Sons
ISBN: 0470949864
Category : Business & Economics
Languages : en
Pages : 592
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Book Description
Experts from NYU Stern School of Business analyze new financial regulations and what they mean for the economy The NYU Stern School of Business is one of the top business schools in the world thanks to the leading academics, researchers, and provocative thinkers who call it home. In Regulating Wall Street: The New Architecture of Global Finance, an impressive group of the Stern school’s top authorities on finance combine their expertise in capital markets, risk management, banking, and derivatives to assess the strengths and weaknesses of new regulations in response to the recent global financial crisis. Summarizes key issues that regulatory reform should address Evaluates the key components of regulatory reform Provides analysis of how the reforms will affect financial firms and markets, as well as the real economy The U.S. Congress is on track to complete the most significant changes in financial regulation since the 1930s. Regulating Wall Street: The New Architecture of Global Finance discusses the impact these news laws will have on the U.S. and global financial architecture.
Author: Mary J. Cronin
Publisher: John Wiley & Sons
ISBN: 9780471292197
Category : Business & Economics
Languages : en
Pages : 358
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Book Description
Mary J. Cronin, a leading expert on using the Internet for business, provides an overview of the impact of the Internet on banking, and offers her vision of the future of electronic banking.
Author: G. Festel
Publisher: Springer Science & Business Media
ISBN: 3540265619
Category : Business & Economics
Languages : en
Pages : 295
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Book Description
A detailed examination of China’s increasingly important chemical and pharmaceutical industry. Numerous case studies describe how western companies, such as BASF, Bayer, Bicoll, Ciba, Degussa, DSM and Novartis are managing their market entry in China.
Author: Nils Christie
Publisher: Routledge
ISBN: 1315512033
Category : Social Science
Languages : en
Pages : 174
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Book Description
Crime Control As Industry, translated into many languages, is a modern classic of criminology and sociology. Nils Christie, one of the leading criminologists of his era, argues that crime control, rather than crime itself is the real danger for our future. Prison populations, especially in Russia and America, have grown at an increasingly rapid rate and show no signs of slowing. Christie argues that this vast and growing population is the equivalent of a modern gulag, run by a rapacious industry, both public and private, with vested interests in incarceration. Pain and confinement are products, like any other, with a potentially limitless supply of resources. Widely hailed as a classic account of crime and restorative justice Crime Control As Industry's prophetic insights and proposed solutions are essential reading for anyone interested in crime and the global penal system. This Routledge Classics edition includes a new foreword by David Garland.
Author: Stephen Hoskins
Publisher: Bloomsbury Publishing
ISBN: 1474248748
Category : Technology & Engineering
Languages : en
Pages : 168
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Book Description
Fully revised and with a new chapter and international case studies, this second edition of the best-selling book traces how artists and designers continue to adapt and incorporate 3D printing technology into their work and explains how the creative industries are directly interfacing with this new technology. Covering a broad range of applied art practice – from fine art and furniture-design to film-making – Stephen Hoskins introduces some of his groundbreaking research from the Centre for Fine Print Research along with an updated history of 3D print technology, a new chapter on fashion and animation, and new case studies featuring artists working with metal, plastic, ceramic and other materials. A fascinating investigation into how the applied arts continue to adapt to new technologies and a forecast of what developments we might expect in the future, this book is essential reading for students, researchers studying contemporary art and design and professionals involved in the creative industries.
Author: Norbert Majerus
Publisher: CRC Press
ISBN: 1000546306
Category : Business & Economics
Languages : en
Pages : 470
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Book Description
Davanti Nella Gara, an Italian bicycle company, makes the best racing bikes in the world. But after decades of market dominance, competitors have brought the industry leader back to the Peloton. The company’s second-generation owner longs for retirement, but a tired product lineup is pushing down profits and the firm’s market value will never support his ride into the sunset. The flawed but beloved owner seeks out the counsel of an old friend and successful businessman, who steers him toward a fast and remarkable transformation, one fueled by a relentless focus on innovation excellence. An engaging business novel, Winning Innovation dives into the art and science of innovation; the thrills of the European bike-racing circuit; the vibrant landscape and cuisine of Italy; and a cast of intriguing characters who work to put Davanti on the road to sustained prosperity. The company’s leader isn’t afraid to learn and apply new ideas to reenergize his company, and finds he cares more about his employees than he could ever imagine. A young innovator struggles to see a product idea to fruition as well as rise into management — and he falls in love along the way. A newly promoted R&D director brings teamwork and transparency to product development and aligns the entire company around innovation. With the help of a seasoned and persistent change agent, in just a year, Davanti deploys a well-defined and -sequenced transformation — a complete and seamless process that can be replicated and scaled by most companies. The leader engages associates in pursuit of the right vision and strategy, candidly supporting them all as they unleash their creative sparks, work through personality conflicts, and take on real-world challenges faced by companies every day. They learn and apply traditional R&D principles in new ways (e.g., cost of delay, sprints, fail fast, late start) and successfully leverage emerging innovation and change-management principles (e.g., idea-creation events, knowledge management, workplace humility, visual management, lean project management). And an aligned, three-phase innovation process — from idea creation to technology development and product design — provides the innovation infrastructure the company needs for revenue creation and success beyond racing bikes. From a top-heavy organization dominated by power struggles and finger-pointing emerges a new Davanti Nella Gara — a flattened, innovative company with: Clear vision and endorsed goals and strategy Speed, responsiveness, and agility Widespread, successful creativity Collaboration and teamwork Superior risk management Respect for people Unquestionable ethics Changed leadership and associate behaviors Project management excellence Rapid problem-solving and experimentation Not just the story of an R&D transformation, Winning Innovation illustrates a companywide transformation of a magnitude that only superior R&D can make possible. It may well be the first book to chronologically introduce the principles for a complete innovation excellence transformation along with the parallel people transformation that is necessary for real change to occur. The end result for Davanti Nella Gara is a dominant new culture based on respect and humility, highly efficient processes that will deliver a wealth of innovations, sales, and profits for many years to come, and an owner who leaves a bright future for the people and company he’s known and loved his entire life.
Author: Poonam Sharma
Publisher: John Wiley & Sons
ISBN: 9780471326281
Category : Business & Economics
Languages : en
Pages : 0
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Book Description
Are you a college student or recent graduate with a great idea fora business? You're not alone. All across the country, more and more studentsare seeking advice on starting their own businesses. Theentrepreneurial spirit is thriving at Harvard, where many students,past and present, have become successful business owners--evenfounders of Fortune 500 companies. Now, some of the bright minds ofthe Harvard Entrepreneurs Club, a recognized student organizationof Harvard College, have compiled their business knowledge andexperience into one comprehensive manual to aid students in makingtheir entrepreneurial dreams come true. This professional andpractical guide will take you step by step through the process ofstarting and maintaining a business. Poonam Sharma and fellowmembers of the Club have tailored this useful resource to theunique issues and obstacles that students will face. You'll receiveinvaluable advice on formulating a business plan, advertising,legal protection, business ethics, and much more. Even if you have no professional experience, little marketingknow-how, or even a small bank account, this book can teach you howto join the ever-growing ranks of students who know firsthand thepleasure--and the profit--that come from being your own boss andbringing your business idea to life.
Author: Jeffrey S. Young
Publisher: John Wiley & Sons
ISBN: 9780471243748
Category : Biography & Autobiography
Languages : en
Pages : 402
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Book Description
Chronicles the six decades of technological advancement leading up to the high-tech business revolution of today.
