Democratizing Finance

Introduction
1 Millennials--The Subprime Generation?
2 Banking in the Digital Era
3 The Emergence of Robo-Advisors
4 The Digitalization of Public Services
5 A Macroeconomic View of Growth, Inequality, and Financial Exclusion
6 Fintech, Financial Inclusion, and Economic Infrastructure The Interplay of Fintech and Government
8 Toward a Cashless Society
9 Digital Currencies: The Ultimate Hard-Power Tool
Conclusion