My research suggests that there is a viable alternative to local banks. It is something I call community financing. Community financing refers to a form of cash-flow that channels the financial resources of the savers of a community into the well-being of that community via economic activities, which members of the community believe should be undertaken and therefore willingly supports with their savings.
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![The End of Banks as We Know Them? By Celia de Anca, professor at IE Business School The End of Banks as We Know Them? By Celia de Anca, professor at IE Business School](/sme-d8/dev/sites/default/files/styles/large/public/blogs/465385_sme_finance_forum_415417137899523120130913_4.jpg?itok=iqBzWXsf)