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The ATM with a sari and a smile: Part 2, growing the customers

18 October, 2011 (10:48) | Banking, CRA, Global news, Housing, India, Infrastructure, Innovations, Networks, Regulation, Slums | 2 comments

By: David A. Smith   [Continued from yesterday’s Part 1.]   As we saw yesterday via this New York Times article, India is rapidly expanding its banking customer base, through a wonderfully innovative mixture of people and electronics.  Like other forms of infrastructure, the establishment cost is not free, and it’s being driven, as many […]

The ATM with a sari and a smile: Part 1, growing the network

17 October, 2011 (09:45) | Banking, CRA, Global news, Housing, India, Infrastructure, Innovations, Networks, Regulation, Slums |

By: David A. Smith   Networks are fantastic innovations, but only if they make it the last hundred yards to your doorstep, so you can connect to them.     The blood has to get to everywhere and from everywhere   That’s why everything from the internet to the sewage system starts in the higher-income […]

Doing something concrete about green construction

14 October, 2011 (09:00) | Building materials, Construction, Green, Homeownership, Housing, Innovations, US News | 2 comments

By:David A. Smith   As poverty is not green, a world of over six billion people can accommodate them greenly only if we both increase global wealth and find new building and construction forms, preferably those that will accommodate multi-story and multi-unit structures.  Out of today’s welter of possible new technologies, a few will emerge […]

Deficiency of judgment: Part 3, what SHOULD happen

13 October, 2011 (10:13) | Collection, Deficiency Judgement, Foreclosure, Homeownership, Markets, Subprime, Theory, US News |

[Continued from yesterday’s Part 2 and the preceding Part 1.]   By:David A. Smith   Laugh-a while you can, monkey-boy! – Lord John Whorfin, Buckaroo Banzai Across the Eighth Dimension   Now that we’ve established lenders can pursue foreclosed homeowners after the property is lost, and that they (or their successors in interest) will pursue […]

Deficiency of judgment: Part 2, what WILL happen

12 October, 2011 (10:24) | Collection, Deficiency Judgement, Foreclosure, Homeownership, Markets, Subprime, Theory, US News | 2 comments

[Continued from yesterday’s part 1.]   By:David A. Smith   Sealed with a curse as sharp as a knife. Doomed is your soul and damned is your life. – Lord John Whorfin, Buckaroo Banzai Across the Eighth Dimension   Yesterday we saw, via a Wall Street Journal article reporting a continuing reality as if it […]