secondary-primary-menu

secondary-storefront-menu

International

North America

China

Japan

Latin America

Brazil

Region

Set your region:

mega-menu

Browse by Institution Type

Browse by Product Type

Products

Support

container

footer-menu

Academic Institutions

K-12

Public Libraries

Government and Special Libraries

Statewide Programs

Institutions

Databases

Primary Sources

Digital Humanities Tools

eLearning

Schools/K-12 Curriculum

Books

Large Print Books by Thorndike Press

Find Your Rep

Product Support

Technical Support

Customer Support

Admin Tools

Accessibility Policy

About Us

Blogs

Press Center

Events

News

Careers

Partnerships

Contact Us

Our Company

Account Information

bundle-connector

products

footer-social-menu-component

Marketing materials, training documents, discovery services

cengage:card

FIND YOUR SALES REPRESENTATIVE

cengage:column

Get marketing materials, training documents, discovery services.

PRODUCT SUPPORT

CUSTOMER SUPPORT

Report technical issues, errors, check system status

TECHNICAL SUPPORT

Manage product preferences, generate usage reports, simplify administrative tasks.

ADMIN TOOLS

support

zone1

cengage:galethorndikeseo

footer

%1 products have been added to your cart but %2 have been backordered and will be fulfilled when stock is available

Product on backorder

Current quantity limit is [maxProductQuantity], please, navigate to the cart page and change quantity of product

You will be able to resubmit promo in ${countdown} seconds. test

Please note that the taxes displayed on our website are estimated and subject to adjustment. The actual tax charges will be determined and settled during the final invoicing of your order

product-detail-component

Would you like to go to the Gale {{RECOMMENDED_COUNTRY}} site instead?

It looks like you're visiting from {{DETECTED_COUNTRY}}.

main

footer-menu-component

secondary-account-menu

Profile

Orders

Wish List

Fast Order Entry

My Account

zone2

header-component

zone3

gale-footer

single-column

FIND YOUR REP

support-order-2

footer-social-menu

Sign Up for Emails

CONNECT WITH GALE

Stay up-to-date with the latest Gale news, exclusive offers, and more.

facebook

linkedin

instagram

youtube

SOCIAL ICONS

footer-legal-menu-component

header

Request a Trial

You may already have access to Gale content through your institution.

STUDENTS AND RESEARCHERS

support-order-1

footer-legal-menu

Terms of use

Privacy

config

Fintech, Small Business & The American Dream

FINTECH SM BUS & AM DREAM: HOW TECH TRANSFRM LND & SH 2

Finance

Business & Economics

Gt Product Group

Binding Format

Marketing Imprint Name

B2B GT

CL Carton Count

Imprint Name

B2B & B2C

<P>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 this book, a former U.S. Small Business Administrator and Senior Fellow at Harvard Business School focuses on the needs of small businesses for capital and how technology will transform the small business lending market. This market 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, 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. From the dark days following the 2008-9 recession through the Covid-19 Pandemic crisis, the author charts how fintech has changed and continues to change small business lending. In the new fintech landscape financial products are embedded in applications that small business owners use daily, 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, the author elucidates how financial innovation and wise regulation can restore a path to the American Dream by improving access to small business credit. This book grapples 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.</P>

Fintech, Small Business & The American Dream.css-1p8rvzy{position:absolute;padding-left:8px;}

Fintech, Small Business & The American Dream