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What Will Banking Look Like in 2030?

October 4 , 2:00 pm EST 3:00 pm EST

Some policymakers believe that Web3, a blockchain-based option for the Worldwide Web, will replace fintech as the next “new thing” in financial services. Web3 has the potential to enhance consumer privacy and counter the power of “Big Tech” firms to dominate internet activity. Built on “permissioned blockchain” technology, Web3 enables consumers to transact without middlemen while ensuring that ownership of data remains with consumers. By giving consumers more control over how their personal data is collected, used, and shared, Web3 could reset the relationship between consumers and financial institutions. 

While Web3 may change the retail customer experience, it will profoundly impact the business of how financial services are packaged and offered and raises questions about how to strike the right balance between commercial viability and consumer protections. In a conversation between a regulator, an innovation sector thought leader, and a serial founder and CEO, learn the opportunities and challenges of Web3.

Register now to hear from a regulator, an innovation sector thought leader, and a serial founder and CEO, and learn the opportunities and challenges of Web3.

Speakers:

Shamir Karkal, Co-Founder and CEO of Sila

Jo Ann Barefoot, CEO and Founder of Alliance for Innovative Regulation

Donna Murphy, Deputy Comptroller for Compliance Risk Policy at the Office of the Comptroller of the Currency

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Redlining and Neighborhood Health

Before the pandemic devastated minority communities, banks and government officials starved them of capital.

Lower-income and minority neighborhoods that were intentionally cut off from lending and investment decades ago today suffer not only from reduced wealth and greater poverty, but from lower life expectancy and higher prevalence of chronic diseases that are risk factors for poor outcomes from COVID-19, a new study shows.

The new study, from the National Community Reinvestment Coalition (NCRC) with researchers from the University of Wisconsin–Milwaukee Joseph J. Zilber School of Public Health and the University of Richmond’s Digital Scholarship Lab, compared 1930’s maps of government-sanctioned lending discrimination zones with current census and public health data.

Table of Content

  • Executive Summary
  • Introduction
  • Redlining, the HOLC Maps and Segregation
  • Segregation, Public Health and COVID-19
  • Methods
  • Results
  • Discussion
  • Conclusion and Policy Recommendations
  • Citations
  • Appendix

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