This project examined state government-led innovations in affordable housing through analysis of two state-level strategies and two state-level programs. The research shows effective strategies and programs rely on strong political leadership; adopt a whole-of-housing industry approach to...

The application of information technology to finance, or "fintech," is expected to revolutionize many aspects of borrowing and lending in the future, but technology has been reshaping consumer and mortgage lending for many years. During the 1990s, computerization allowed mortgage lenders to...

Disruptive innovation can be described as the introduction of a new conceptual idea or meme into an existing system that causes the system to be fundamentally altered. Assembly lines, air conditioning, digital film, and personal computers represent such innovations, all of which led to...