Open Access BASE2021

Session 3: Access to Financial Services - The Promise (and Challenges) of Fintech

Vincent, Joseph M; Adams, Chris; Fazio, Lucinda; Hollinshead, Roberta; Mallick, Sumit; McKinley, Sands; Tucker, Jonice Gray; Webb, Tonita

Open Access

Abstract

For many Americans, the American Dream is a dream deferred. Recently, there has been an explosion in demand for diversity, equity, and inclusion in financial services. This has coincided with an explosion of a different kind related to delivering financial services through innovations in technology, otherwise known as FinTech. We have seen a plethora of FinTech applications on our smartphones, ranging from online lending to remote deposit making. While these applications provide potential opportunities to level the playing field for those whose dream has been deferred, there remain challenges.

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