We are only in the early stages of a broader revolution that will impact every aspect of the global economy, including commerce and government services. Coming financial technology innovations could improve the quality of life for all people. Over the past few decades, digital technology has transformed finance. Financial technology (fintech) has enabled more people with fewer resources, in more places around the world, to take advantage of banking, insurance, credit, investment, and other financial services. Marion Laboure and Nicolas Deffrennes argue that these changes are only the tip of the iceberg. A much broader revolution is under way that, if steered correctly, will lead to huge and beneficial social change. The authors describe the genesis of recent financial innovations and how they have helped consumers in rich and poor countries alike by reducing costs, increasing accessibility, and improving convenience and efficiency. They connect the dots between early innovations in financial services and the wider revolution unfolding today. Changes may disrupt traditional financial services, especially banking, but they may also help us address major social challenges: opening new career paths for millennials, transforming government services, and expanding the gig economy in developed markets. Fintech could lead to economic infrastructure developments in rural areas and could facilitate emerging social security and healthcare systems in developing countries. The authors make this case with a rich combination of economic theory and case studies, including microanalyses of the effects of fintech innovations on individuals, as well as macroeconomic perspectives on fintech's impact on societies. While celebrating fintech's achievements to date, Laboure and Deffrennes also make recommendations for overcoming the obstacles that remain. The stakes--improved quality of life for all people--could not be higher.
We are only in the early stages of a broader revolution that will impact every aspect of the global economy, including commerce and government services. Coming financial technology innovations could improve the quality of life for all people. Over the past few decades, digital technology has transformed finance. Financial technology (fintech) has enabled more people with fewer resources, in more places around the world, to take advantage of banking, insurance, credit, investment, and other financial services. Marion Laboure and Nicolas Deffrennes argue that these changes are only the tip of the iceberg. A much broader revolution is under way that, if steered correctly, will lead to huge and beneficial social change. The authors describe the genesis of recent financial innovations and how they have helped consumers in rich and poor countries alike by reducing costs, increasing accessibility, and improving convenience and efficiency. They connect the dots between early innovations in financial services and the wider revolution unfolding today. Changes may disrupt traditional financial services, especially banking, but they may also help us address major social challenges: opening new career paths for millennials, transforming government services, and expanding the gig economy in developed markets. Fintech could lead to economic infrastructure developments in rural areas and could facilitate emerging social security and healthcare systems in developing countries. The authors make this case with a rich combination of economic theory and case studies, including microanalyses of the effects of fintech innovations on individuals, as well as macroeconomic perspectives on fintech's impact on societies. While celebrating fintech's achievements to date, Laboure and Deffrennes also make recommendations for overcoming the obstacles that remain. The stakes--improved quality of life for all people--could not be higher.
You don’t have to travel overseas to discover our Blessed Mother’s miraculous love for her children. Mary’s Miracles: A Traveler's Guide to Catholic America takes you to more than 50 Marian shrines, chapels, and statues, right here in the United States, each with a riveting story to tell. Stories about: The United States’ only Church-approved Marian apparition (Champion, Wisconsin) A family’s safe passage to America after invoking the intercession of the Star of the Sea, and the chapel they built in thanksgiving (Cheektowaga, New York) The Grotto, the fulfillment of a boyhood vow to build a “great work” for the Blessed Mother (Portland, Oregon) An old Spanish shrine to Our Lady of La Leche, the powerhouse of answered prayers for babies (St. Augustine, Florida) A priest who looked like Dean Martin, sang like Bing Crosby — and commissioned a statue as big as his love for Mary (Santa Clara, California) Written by the author of the blockbuster Monuments, Marvels, and Miracles (OSV, 2021), this book is another must-have for all Catholic travelers. Organized by region and state, Mary’s Miracles can help you easily plan your next vacation or pilgrimage and find Marian sites you haven’t yet discovered. Additional features include color photos, miracle stories, and an explanation of site-specific Marian titles and devotions. Websites, phone numbers, addresses, and other information are included to help you plan your visit.
The Paine-French genealogy continues the story captured in an earlier book, "The Paine-Shepard Genealogy 1463-1913 written by Clara Paine Ohler, published in 1932, and traces the descendants of Merton K. Paine and Ella Gordon (French) Paine to the present day. While the book includes background from Clara Ohler's publication, it also refers to census reports that identify Paine and French family direct ancestry with references to other side branches. The chapter on "Cemeteries" reveals information on ancestors in Ludlow, Belchertown and Springfield, MA as well as Simsbury, CT. While William French's travels both as a single man and later after his marriage took him and his family to several interesting places eventually ending up in MA, the Paine Family ancestry can be found mostly in MA and CT. The book also includes interesting information concerning our direct ancestors, John and Sarah French, and their son William H. French and his wife Mary Dugan, parents of Ella Gordon (French) Paine. Readers will find the chapters concerning the USS Constellation, the historically verifiable accounts of William H. French's service aboard that venerable ship, and his subsequent service in the Union Army during the War of Rebellion of particular interest.
America’s got faith! You’ll find it in every state — in grand cathedrals and tiny chapels, in miracle shrines and underwater statues, and even in blessed dirt. Finding these sacred places hasn’t been easy, until now! Monuments, Marvels, and Miracles: A Traveler's Guide to Catholic America takes you to more than 500 of the country’s most intriguing holy sites, each with a riveting story to tell. Stories about: architecture (the interior of Guardian Angels Cathedral in Las Vegas resembles angel wings) religious history (at Maryland’s Old Bohemia, Jesuit priests lived and worked incognito during anti-Catholic persecution) artifacts (the Miraculous Medal Shrine in Philadelphia holds an original cast by Saint Catherine Labouré) answered prayer (from the Grasshopper Chapel in Minnesota to the Coral Miracle Church in Hawaii) healing places, beautiful places, hidden places, places where saints walked, and much more. Organized by state and region, Monuments, Marvels, and Miracles can help you easily plan your vacation or pilgrimage, and find sites close to you that you’ve never heard of. Chapters also include Catholic trivia and color photos. Websites, phone numbers, addresses, and other pertinent information are included. ABOUT THE AUTHOR Marion Amberg is an award-winning book author and freelance journalist. Her articles — mainly religion travel pieces and human-interest features — have appeared in more than 100 markets. She is known for her “nose for the unique and unusual” and for her engaging writing style.
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