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Summary of Lisa Servon's The Unbanking of America
Please note: This is a companion version & not the original book. Sample Book Insights: #1 The world has changed since I opened my first bank account as a child. Today, I do most of my banking online at odd hours. For my children, going to the bank means popping over to the nearest ATM to get cash. #2 The consumer financial-services system, which consists of mainstream banks, alternative financial services, and informal practices such as saving in structured groups of friends or coworkers, is broken. Americans lack safe and affordable financial products and services when they need them most. #3 While some have chosen to leave banks, others have been pushed out. Major banks and credit unions rely on private-sector databases such as ChexSystems to keep track of how consumers handle their deposit accounts. This is how these databases work. #4 While people try to adapt to these changing situations, policymakers’ view of personal finance has remained static. They insist that a formal relationship with a mainstream financial institution will improve the lives of those who are unbanked or underbanked.
The Unbanking of America
Why Americans are fleeing our broken banking system: “Startling and absorbing…Required reading for fans of muckraking authors like Barbara Ehrenreich.”—Publishers Weekly (starred review) What do an undocumented immigrant in the South Bronx, a high-net-worth entrepreneur, and a twentysomething graduate student have in common? All three are victims of our dysfunctional mainstream bank and credit system. Nearly half of all Americans live from paycheck to paycheck, and income volatility has doubled over the past thirty years. Banks, with their high monthly fees and overdraft charges, are gouging their lower- and middle-income customers while serving only the wealthiest Americans. Lisa Se...
Bridging the Digital Divide
Bridging the Digital Divide investigates problems of unequal access to information technology. The author redefines this problem, examines its severity, and lays out what the future implications might be if the digital divide continues to exist. Examines unequal access to information technology in the United States. Analyses the success or failure of policies designed to address the digital divide. Draws on extensive fieldwork in several US cities. Makes recommendations for future public policy. Series editor: Manuel Castells.
Bootstrap Dreams
Declines in real wages, increases in the number of poor families, and cutbacks to welfare and other safety-net programs have stimulated the popularity of microenterprise development programs (MDPs). These programs typically offer training and loans to individuals seeking to operate very small businesses. MDPs are often presented as a path to the self-sufficiency that comes with entrepreneurship and as an example of the success of market-based alternatives to government programs. In Bootstrap Dreams, Nancy C. Jurik analyzes the origins and maturation of these programs in the United States. Based on a national sample of fifty programs and an eight-year case study of one in particular, this is a rare book about microenterprise development. Jurik understands the positive social mission of MDPs, but she is not blind to the problems that they encounter. Jurik's clear perception of potential difficulties and her keen ability to place the microenterprise movement in the larger context of welfare reform and globalization make Bootstrap Dreams a valuable book.
Digital Transformation in Design
What does it take to create innovative tech-savvy designs that are usable, appealing, and good for society? The contributions to this volume introduce contemporary research on the digitization and »datafication« of products, exploring topics like user experience, artificial intelligence, and virtual environments in design. Coming from varied backgrounds in product design, interaction design, service design, game design, architecture, and graphic design, they emphasize that digital transformation is not just a technical process, but also a social and learning process that fundamentally changes the way we understand information.
Media, Politics and the Network Society
What is the network society? What effects does it have upon media, culture and politics? What are the competing forces in the network society, and how are they reshaping the world? The rise of the network society – the suffusion of much of the economy, culture and society with digital interconnectivity – is a development of immense significance. In this innovative book, Robert Hassan unpacks the dynamics of this new information order and shows how they have affected both the way media and politics are ‘played’, and how these are set to reshape and reorder our world. Using many of the current ideas in media theory, cultural studies and the politics of the newly evolving ‘networked civil society’, Hassan argues that the network society is steeped with contradictions and in a state of deep flux. This is a key text for undergraduate students in media studies, politics, cultural studies and sociology, and will be of interest to anyone who wishes to understand the network society and play a part in shaping it.
Gender and Planning
To document and analyze the connection between gender and planning, the editors of this volume have assembled an interdisciplinary collection of influential essays by leading scholars. Contributors point to the ubiquitous single-family home, which prevents women from sharing tasks or pooling services. Similarly, they argue that public transportation routes are usually designed for the (male) worker's commute from home to the central city, and do not help the suburban dweller running errands. In addition to these practical considerations, many contributors offer theoretical perspectives on issues such as planning discourse and the construction of concepts of rationality.
Science and Technology in Society
This thoughtful and engaging text challenges the widely held notion of science as somehow outside of society, and the idea that technology proceeds automatically down a singular and inevitable path. Through specific case studies involving contemporary debates, this book shows that science and technology are fundamentally part of society and are shaped by it. Draws on concepts from political sociology, organizational analysis, and contemporary social theory. Avoids dense theoretical debate. Includes case studies and concluding chapter summaries for students and scholars.
Financing Low Income Communities
Access to capital and financial services is crucial for healthy communities. However, many impoverished individuals and neighborhoods are routinely ignored by mainstream financial institutions. This neglect led to the creation of community development financial institutions (CDFIs), which provide low-income communities with financial services and act as a conduit to conventional financial organizations and capital markets. Edited by Julia Sass Rubin, Financing Low-Income Communities brings together leading experts in the field to assess what we know about the challenges of bringing financial services and capital to poor communities, map out future lines of research, and propose policy reform...
