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Democratizing Innovation

Democratizing Innovation
Author: Eric Von Hippel
Publisher: MIT Press
Total Pages: 224
Release: 2006-02-17
Genre: Business & Economics
ISBN: 0262250179

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The process of user-centered innovation: how it can benefit both users and manufacturers and how its emergence will bring changes in business models and in public policy. Innovation is rapidly becoming democratized. Users, aided by improvements in computer and communications technology, increasingly can develop their own new products and services. These innovating users—both individuals and firms—often freely share their innovations with others, creating user-innovation communities and a rich intellectual commons. In Democratizing Innovation, Eric von Hippel looks closely at this emerging system of user-centered innovation. He explains why and when users find it profitable to develop new products and services for themselves, and why it often pays users to reveal their innovations freely for the use of all.The trend toward democratized innovation can be seen in software and information products—most notably in the free and open-source software movement—but also in physical products. Von Hippel's many examples of user innovation in action range from surgical equipment to surfboards to software security features. He shows that product and service development is concentrated among "lead users," who are ahead on marketplace trends and whose innovations are often commercially attractive. Von Hippel argues that manufacturers should redesign their innovation processes and that they should systematically seek out innovations developed by users. He points to businesses—the custom semiconductor industry is one example—that have learned to assist user-innovators by providing them with toolkits for developing new products. User innovation has a positive impact on social welfare, and von Hippel proposes that government policies, including R&D subsidies and tax credits, should be realigned to eliminate biases against it. The goal of a democratized user-centered innovation system, says von Hippel, is well worth striving for. An electronic version of this book is available under a Creative Commons license.


Democratizing Capital

Democratizing Capital
Author: Richard Marsico
Publisher:
Total Pages: 344
Release: 2005
Genre: Business & Economics
ISBN:

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"In Democratizing Capital, Professor Richard Marsico offers a bold proposal for improving the Community Reinvestment Act (CRA), a law that has done more than any other to "democratize capital" by bringing under privileged people and neighbourhoods into the economic mainstream." "Democratizing Capital will be of interest to policymakers, bankers seeking to comply with the law, government officials seeking to enforce it, community groups seeking to increase lending in their neighbourhoods, students interested in learning about the CRA, and anyone else interested in low-income community economic development."--BOOK JACKET.


Democratizing Finance

Democratizing Finance
Author: Clifford N. Rosenthal
Publisher: FriesenPress
Total Pages: 544
Release: 2018
Genre: History
ISBN: 1525536621

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Decades before Occupy Wall Street challenged the American financial system, activists began organizing alternatives to provide capital to “unbankable” communities and the poor. With roots in the civil rights, anti-poverty, and other progressive movements, they brought little training in finance. They formed nonprofit loan funds, credit unions, and even a new bank—organizations that by 1992 became known as “community development financial institutions,” or CDFIs. By melding their vision with that of President Clinton, CDFIs grew from church basements and kitchen tables to number more than 1,000 institutions with billions of dollars of capital. They have helped transform community development by providing credit and financial services across the United States, from inner cities to Native American reservations. Democratizing Finance traces the roots of community development finance over two centuries, a history that runs from Benjamin Franklin, through an ill-starred bank for African American veterans of the Civil War, the birth of the credit union movement, and the War on Poverty. Drawn from hundreds of interviews with CDFI leaders, presidential archives, and congressional testimony, Democratizing Finance provides an insider view of an extraordinary public policy success. Democratizing Finance is a unique resource for practitioners, policymakers, researchers, and social investors.


Democratizing Finance

Democratizing Finance
Author: Marion Laboure
Publisher: Harvard University Press
Total Pages: 289
Release: 2022-01-01
Genre: Business & Economics
ISBN: 0674987225

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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.


Democratizing Finance

Democratizing Finance
Author: Fred Block
Publisher: Verso Books
Total Pages: 337
Release: 2022-02-08
Genre: Political Science
ISBN: 1839762691

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What if our financial system were organized to the benefit of the many rather than simply empowering the few? Robert Hockett and Fred Block argue that an entirely different financial system is both desirable and possible. They outline concrete steps that could get us there. Financial systems move the worlds savings from investment to investment, chasing the highest rates of return. They run on profit. But what if investment went to the enterprises or institutions that provided things that the majority of people would prioritize? Democratizing Finance includes six responses that seek to amend, elaborate, and challenge the arguments developed by Hockett and Block. Some of the core arguments put forward by other contributors include calls for the rapid elimination of private financial entities, the dilemmas of the politics associated with financial reforms, and the fate of parallel proposals advanced in the US in the 1930s.


Reclaiming Capital

Reclaiming Capital
Author: Christopher Eaton Gunn
Publisher: Cornell University Press
Total Pages: 196
Release: 1991
Genre: Business & Economics
ISBN: 9780801495748

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Social surplus -- Alternative institutions of accumulation: gaining financial resources -- Alternative institutions of accumulation: building assets in the community -- Constraining capital -- Creating public assets -- Collective action, communities and social change.


Democratizing Global Governance

Democratizing Global Governance
Author: E. Aksu
Publisher: Springer
Total Pages: 319
Release: 2002-07-15
Genre: Political Science
ISBN: 1403907110

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Is globalization beyond human control? In this thought-provoking text, the myths and mantras of this apparently irresistible force are challenged and dissembled. By examining a number of fundamental questions, the contributors put forward a radical reform agenda for global governance. Can the global multilateral system be democratic? Are security and economic concerns separable? Can the development of a global civil society contribute to effective global governance? An important and wide ranging study, this book will be essential reading for graduates and researchers in international relations.


How To Raise A Venture Capital Fund

How To Raise A Venture Capital Fund
Author: Winter Mead
Publisher:
Total Pages: 204
Release: 2021
Genre: Business & Economics
ISBN: 9781736234303

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Despite all of the writing on venture capital, there is a missing part of the literature. There has been no book written about raising a venture capital fund. It remains a secret to a few privileged venture capitalists who have gone through this fundraising process. Until now . . . This book serves as a guide. It dives into the process of raising a venture capital fund, the how-tos, the unique language of the limited partner (LP) world, secrets of how LPs think about fund diligence and alignment, the best practices in fundraising, what works, and how you can best prepare for success. I've written this book after spending a decade investing into venture capital funds at a $30B wealth management firm and a $160B technology company. I've been on both sides of the table, the VC and the LP side. I've been behind the scenes managing every aspect of the fundraising process, investing into 80 funds, and reviewing thousands of fund investments. I also co-founded a company that specifically focuses on co-building venture capital businesses, which includes helping VCs understand the intricate dynamics of raising a venture capital fund. After reading my book, you will gain the knowledge and insights gained from these experiences.


Natural Assets

Natural Assets
Author: James Boyce
Publisher:
Total Pages: 360
Release: 2003-05-02
Genre: Business & Economics
ISBN:

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Natural Assets explores a range of strategies for expanding the quantity and enhancing the quality of natural assets in the hands of low-income individuals and communities


Democratizing Capital

Democratizing Capital
Author: Richard Marsico
Publisher:
Total Pages: 338
Release: 2005
Genre: Business & Economics
ISBN:

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"In Democratizing Capital, Professor Richard Marsico offers a bold proposal for improving the Community Reinvestment Act (CRA), a law that has done more than any other to "democratize capital" by bringing under privileged people and neighbourhoods into the economic mainstream." "Democratizing Capital will be of interest to policymakers, bankers seeking to comply with the law, government officials seeking to enforce it, community groups seeking to increase lending in their neighbourhoods, students interested in learning about the CRA, and anyone else interested in low-income community economic development."--BOOK JACKET.