Financial Inclusion Financial Regulation And Financial Education In Thailand

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Financial Inclusion, Financial Regulation, and Financial Education in Thailand

Author : Kanittha Tambunlertchai
Publisher :
ISBN 13 :
Total Pages : 38 pages
Book Rating : 4.:/5 (13 download)

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Book Synopsis Financial Inclusion, Financial Regulation, and Financial Education in Thailand by : Kanittha Tambunlertchai

Download or read book Financial Inclusion, Financial Regulation, and Financial Education in Thailand written by Kanittha Tambunlertchai and published by . This book was released on 2015 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper addresses the issue of financial inclusion in Thailand through the lens of an institutional analysis, which takes into consideration the desired outcomes, the service providers and enabling agencies, and the regulatory context that shape the existing provision of financial inclusion in Thailand. In discussing the achievement of the desired outcomes in terms of financial inclusion, the issues of financial education and financial regulation, which provide the contexts within which the provision of financial products and services occur, are also addressed. Using survey information and other evidence, the paper identifies the gaps between desired and existing outcomes, the gap in unmet demand for financial products and services, the gap in financial education provision, and the weakness of the existing regulatory institutional setting. The paper concludes with policy recommendations for achieving the desired outcomes in terms of financial inclusion within the context of Thailand.

Financial Inclusion, Regulation, and Education

Author : Naoyuki Yoshino
Publisher :
ISBN 13 : 9784899740636
Total Pages : 0 pages
Book Rating : 4.7/5 (46 download)

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Book Synopsis Financial Inclusion, Regulation, and Education by : Naoyuki Yoshino

Download or read book Financial Inclusion, Regulation, and Education written by Naoyuki Yoshino and published by . This book was released on 2017 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial inclusion is receiving increasing attention as having the potential to contribute to economic and financial development while at the same time fostering more inclusive growth and greater income equality. Although substantial progress has been made, there is still much to achieve. East Asia, the Pacific, and South Asia combined account for 55% of the world's unbanked adults, mainly in India and the People's Republic of China. This book surveys the experience of a number of advanced and Asian emerging economies to assess factors affecting the ability of low-income households and small firms to access financial services, including financial literacy, financial education programs, and financial regulatory frameworks, as well as identify policies that can improve their financial access while maintaining financial stability. It aims to identify successful experiences and important lessons that can be adopted by other emerging economies. The studies cover the experiences of Germany, the United Kingdom, Bangladesh, India, Indonesia, the Philippines, Sri Lanka, and Thailand. The book adopts a practical and holistic approach to issues related to financial inclusion. For example, innovative methods of promoting financial access, such as mobile phone banking and microfinance, require corresponding innovations in regulatory frameworks, perimeters, and capacity. Moreover, programs in the areas of financial education and consumer protection are needed to enable households and firms to take full advantage of improvements in financial access.

Financial System Stability, Regulation, and Financial Inclusion

Author : ADB Institute
Publisher : Springer
ISBN 13 : 4431552545
Total Pages : 136 pages
Book Rating : 4.4/5 (315 download)

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Book Synopsis Financial System Stability, Regulation, and Financial Inclusion by : ADB Institute

Download or read book Financial System Stability, Regulation, and Financial Inclusion written by ADB Institute and published by Springer. This book was released on 2015-01-14 with total page 136 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial authorities face a number of key challenges, including maintaining financial stability; ensuring long-term finance for stable economic growth; promoting greater access to financial services for both households and small and medium-sized enterprises (SMEs); and fostering a competitive financial industry. Access to finance for SMEs is particularly important, given their large shares in economic activity and employment in Asian economies. Striking the appropriate balance in achieving these objectives through financial supervision and regulation is an important policy issue for financial regulators. This book is the record of a joint conference in 2014 organized by the Asian Development Bank Institute; Financial Services Agency, Japan; and International Monetary Fund Regional Office for Asia and the Pacific on the topic of financial system stability, regulation, and financial inclusion. Participants included noted scholars, policymakers, and financial industrial participants from Asia. ADB Institute The ADB Institute, located in Tokyo, is the think tank of the Asian Development Bank. Its mission is to identify effective development strategies and improve development management in ADB’s developing member countries. Financial Services Agency, Japan The Financial Services Agency, Japan is responsible for ensuring the stability of Japan’s financial system, the protection of depositors, insurance policyholders and securities investors, and smooth finance through such measures as planning and policymaking. International Monetary Fund Regional Office for Asia and the Pacific The International Monetary Fund Regional Office for Asia and the Pacific contributes to economic surveillance and research, leads the IMF’s involvement in regional cooperation, manages regional capacity building programs, and promotes the understanding and two-way dialogue of the IMF in the region.

Overview of Financial Inclusion, Regulation, and Education

Author : Naoyuki Yoshino
Publisher :
ISBN 13 :
Total Pages : 35 pages
Book Rating : 4.:/5 (13 download)

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Book Synopsis Overview of Financial Inclusion, Regulation, and Education by : Naoyuki Yoshino

Download or read book Overview of Financial Inclusion, Regulation, and Education written by Naoyuki Yoshino and published by . This book was released on 2016 with total page 35 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial inclusion is receiving increasing attention as having the potential to contribute to economic and financial development while at the same time fostering more inclusive growth and greater income equality. However, although substantial progress has been made, there is still much to achieve. East Asia and the Pacific and South Asia combined account for 55% of the world's unbanked adults, mainly in India and the People's Republic of China (PRC). This paper surveys the experience of a number of advanced and Asian emerging economies to assess factors affecting the ability of low-income households and small firms to access financial services, including financial literacy, financial education programs and financial regulatory frameworks, and identify policies that can improve their financial access while maintaining financial stability. It aims to identify successful experiences and important lessons that can be adopted by other emerging economies. This analysis is based on studies of the experiences of Germany, the United Kingdom, Bangladesh, India, Indonesia, the Philippines, Sri Lanka and Thailand.The study aims to take a practical and holistic approach to issues related to financial inclusion. For example, innovative methods of promoting financial access, such as mobile phone banking and micro-finance, require corresponding innovations in regulatory frameworks, perimeters and capacity. Moreover, programs in the areas of financial education and consumer protection are needed to enable households and small firms to take full advantage of improvements in financial access.

Promoting Better Lifetime Planning Through Financial Education

Author : Naoyuki Yoshino
Publisher : World Scientific
ISBN 13 : 9814740039
Total Pages : 230 pages
Book Rating : 4.8/5 (147 download)

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Book Synopsis Promoting Better Lifetime Planning Through Financial Education by : Naoyuki Yoshino

Download or read book Promoting Better Lifetime Planning Through Financial Education written by Naoyuki Yoshino and published by World Scientific. This book was released on 2016-02-29 with total page 230 pages. Available in PDF, EPUB and Kindle. Book excerpt: Surveys show that financial literacy levels are typically low around the world, despite the widening access to financial services and the increasing financial risks borne by households in many countries. This suggests that there will be mounting challenges for households and SMEs to invest wisely and effectively as societies age and governments shift away from defined benefit to defined contribution pension schemes. Individuals will increasingly have to make complex financial decisions to plan for their retirement and for a range of foreseen and unforeseen expenditures. All of these developments suggest that financial education should be part of a lifetime process that starts at an early age and is pursued throughout adulthood.The contributions in this book came from a symposium titled, Promoting Better Lifetime Planning through Financial Education, organized by the Asian Development Bank Institute, the Bank of Japan, the Japan Financial Services Agency, and the Organisation for Economic Co-operation and Development, held on 22-23 January 2015 in Tokyo.Amongst the topics discussed were: effective pension management, financial education curricula in schools, training for teachers of financial education, internationally comparable data on financial literacy and the evaluation of the effectiveness of financial education programs. There are also case studies on financial inclusion, regulation, and education in Indonesia, Pakistan, Philippines, Viet Nam, Thailand, and Japan.

Financial Inclusion, Regulation, Literacy, and Education in Central Asia and South Caucasus

Author : Peter J. Morgan
Publisher :
ISBN 13 : 9784899741053
Total Pages : 200 pages
Book Rating : 4.7/5 (41 download)

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Book Synopsis Financial Inclusion, Regulation, Literacy, and Education in Central Asia and South Caucasus by : Peter J. Morgan

Download or read book Financial Inclusion, Regulation, Literacy, and Education in Central Asia and South Caucasus written by Peter J. Morgan and published by . This book was released on 2019-05-21 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial inclusion and financial education are becoming increasingly recognized as key requirements for sustainable and inclusive growth, and have been recognized as such by international fora such the Group of Twenty (G20) and the OECD. However, countries in Central Asia and the South Caucasus region have generally lagged in this area. Aside from Kazakhstan, the levels of financial inclusion are substantially below the average level of developing economies. Moreover, there has been little study of the determinants of and barriers to the development of financial inclusion and financial literacy in this region. In this study, prominent scholars in each country examine recent trends in financial inclusion in seven countries--Armenia, Azerbaijan, Georgia, Kazakhstan, Kyrgyz Republic, Tajikistan and Uzbekistan--for both individuals and small and medium-sized firms (SMEs); institutional and regulatory barriers to the expansion of financial inclusion; and policy options to support greater financial inclusion while maintaining financial stability. The book also examines issues related to the assessment of financial literacy and promotion of financial education to support greater financial inclusion in the region. One prominent feature of the region is the relatively slow uptake of innovative financial technologies that could promote financial inclusion such as mobile phone banking, crowd funding and peer-to-peer (P2P) lending platforms. This book examines the barriers to such development, as recommends policies to facilitate the introduction of such technologies.

Fintech, Financial Literacy, and Consumer Saving and Borrowing

Author : Thammarak Moenjak
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (118 download)

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Book Synopsis Fintech, Financial Literacy, and Consumer Saving and Borrowing by : Thammarak Moenjak

Download or read book Fintech, Financial Literacy, and Consumer Saving and Borrowing written by Thammarak Moenjak and published by . This book was released on 2020 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial services in Thailand are undergoing rapid transformation. The adoption of digital payments has been growing at an exponential rate, thanks to various collaborative initiatives between the public and private sectors, as well as competition between financial services providers themselves. In the future, with mobile banking penetration reaching a critical level, competition for digital savings and borrowing products is also expected to be fierce. Although financial technology (FinTech) is expected to promote financial inclusion, and encourage better financial literacy, many challenges remain. This paper first reviews the results from the Thai Households Financial Access and Literacy Survey, a bi-annual survey conducted by the National Statistical Office, in collaboration with the Bank of Thailand, which reflect the current stage of financial inclusion and financial literacy in Thailand, as well as potential areas for improvement. A conceptual framework of the connections between FinTech, financial behavior, and financial knowledge and attitude, is then presented, to reflect the various feedback loops that policies could be used to address. The paper then reviews a three-pronged strategy aimed to promote FinTech, financial inclusion, and financial literacy in Thailand: (1) development of interoperable infrastructures that are key foundations of a digital economy; (2) introduction of supportive laws and regulations that help foster FinTech innovations and; (3) promotion of financial literacy at various fronts for people at various stage of life. The preliminary results of the three-pronged strategy for the provision of financial services, financial behavior, and financial literacy are then discussed. The paper concludes by presenting insights and key learning drawn from the Thai experience, which could also be useful for policy makers in other jurisdictions.

Fintech and Financial Inclusion in Latin America and the Caribbean

Author : Mr. Dmitry Gershenson
Publisher : International Monetary Fund
ISBN 13 : 1513592238
Total Pages : 77 pages
Book Rating : 4.5/5 (135 download)

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Book Synopsis Fintech and Financial Inclusion in Latin America and the Caribbean by : Mr. Dmitry Gershenson

Download or read book Fintech and Financial Inclusion in Latin America and the Caribbean written by Mr. Dmitry Gershenson and published by International Monetary Fund. This book was released on 2021-08-20 with total page 77 pages. Available in PDF, EPUB and Kindle. Book excerpt: Despite some improvement since 2011, Latin America and the Caribbean continue to lag behind other regions in terms of financial inclusion. There is no clear evidence that fintech developments have supported greater financial inclusion in LAC, contrary to what has been observed elsewhere in the world. Case studies by national policy experts suggest that barriers to entry in the financial sector, along with a constraining regulatory environment, may have hindered a faster adoption of fintech. However, fintech development seems to have accelerated in the wake of the COVID-19 pandemic and with the support of recent policy initiatives.

Scaling Financial Inclusion

Author : Waritorn Chariyawattanarut
Publisher :
ISBN 13 :
Total Pages : 93 pages
Book Rating : 4.:/5 (883 download)

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Book Synopsis Scaling Financial Inclusion by : Waritorn Chariyawattanarut

Download or read book Scaling Financial Inclusion written by Waritorn Chariyawattanarut and published by . This book was released on 2014 with total page 93 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Routledge Handbook of Banking and Finance in Asia

Author : Ulrich Volz
Publisher : Routledge
ISBN 13 : 1134862075
Total Pages : 534 pages
Book Rating : 4.1/5 (348 download)

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Book Synopsis Routledge Handbook of Banking and Finance in Asia by : Ulrich Volz

Download or read book Routledge Handbook of Banking and Finance in Asia written by Ulrich Volz and published by Routledge. This book was released on 2018-10-26 with total page 534 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Routledge Handbook of Banking and Finance in Asia brings together leading scholars, policymakers, and practitioners to provide a comprehensive and cutting-edge guide to Asia’s financial institutions, markets, and systems. Part I provides a country-by-country overview of banking and finance in East, Southeast, and South Asia, including examples from China, Japan, Hong Kong, India, and Singapore. Part II contains thematic chapters, covering topics such as commercial banking, development banking, infrastructure finance, stock markets, insurance, and sovereign wealth funds. It also includes examinations of banking regulation and supervision, and analyses of macroprudential regulation, capital flow management measures, and monetary policy. Finally, it provides new insights into topical issues such as SME, green, and Islamic finance. This handbook is an essential resource for scholars and students of Asian economics and finance and for professionals working in financial markets in Asia.

Digital Financial Services in the Pacific

Author : Asian Development Bank
Publisher : Asian Development Bank
ISBN 13 : 9292573594
Total Pages : 68 pages
Book Rating : 4.2/5 (925 download)

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Book Synopsis Digital Financial Services in the Pacific by : Asian Development Bank

Download or read book Digital Financial Services in the Pacific written by Asian Development Bank and published by Asian Development Bank. This book was released on 2016-03-01 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: The challenging geography and poor infrastructure of many Pacific nations mean digital financial services (DFS) are a particularly effective means of enhancing financial inclusion in the region. However, a number of major challenges confront DFS in the Pacific, including the establishment of reliable agent networks and the building of sufficient consumer trust in DFS for it to become a viable payments channel. This report examines the current use of DFS in the Pacific, analyzes the issues that need to be addressed, and provides recommendations for increasing financial inclusion in the region. This publication was produced by the Pacific Private Sector Development Initiative, a regional technical assistance facility cofinanced by the Asian Development Bank (ADB), the Government of Australia and the New Zealand government.

Global Financial Development Report 2014

Author : World Bank Group
Publisher : World Bank Publications
ISBN 13 : 0821399853
Total Pages : 226 pages
Book Rating : 4.8/5 (213 download)

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Book Synopsis Global Financial Development Report 2014 by : World Bank Group

Download or read book Global Financial Development Report 2014 written by World Bank Group and published by World Bank Publications. This book was released on 2013-11-07 with total page 226 pages. Available in PDF, EPUB and Kindle. Book excerpt: The second issue in a new series, Global Financial Development Report 2014 takes a step back and re-examines financial inclusion from the perspective of new global datasets and new evidence. It builds on a critical mass of new research and operational work produced by World Bank Group staff as well as outside researchers and contributors.

Is Digital Financial Inclusion Unlocking Growth?

Author : Purva Khera
Publisher : International Monetary Fund
ISBN 13 : 1513584669
Total Pages : 30 pages
Book Rating : 4.5/5 (135 download)

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Book Synopsis Is Digital Financial Inclusion Unlocking Growth? by : Purva Khera

Download or read book Is Digital Financial Inclusion Unlocking Growth? written by Purva Khera and published by International Monetary Fund. This book was released on 2021-06-11 with total page 30 pages. Available in PDF, EPUB and Kindle. Book excerpt: Digital financial services have been a key driver of financial inclusion in recent years. While there is evidence that financial inclusion through traditional services has a positive impact on economic growth, do the same results carry over for digital financial inclusion? What drives digital financial inclusion? Why does it advance more in some countries but not in others? Using new indices of financial inclusion developed in Khera et. al. (2021), this paper addresses these questions for 52 developing countries. Using cross-sectional instrument variable procedure, we find that the exogenous component of digital financial inclusion is positively associated with growth in GDP per capita during 2011-2018, which suggests that digital financial inclusion can accelerate economic growth. Fractional logit and random effects empirical estimation identifies access to infrastructure, financial and digital literacy, and quality of institutions as key drivers of digital financial inclusion. These findings are then used to help inform policy recommendations in areas related to the digitization of financial services to promote financial inclusion.

Powering the Digital Economy: Opportunities and Risks of Artificial Intelligence in Finance

Author : El Bachir Boukherouaa
Publisher : International Monetary Fund
ISBN 13 : 1589063953
Total Pages : 35 pages
Book Rating : 4.5/5 (89 download)

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Book Synopsis Powering the Digital Economy: Opportunities and Risks of Artificial Intelligence in Finance by : El Bachir Boukherouaa

Download or read book Powering the Digital Economy: Opportunities and Risks of Artificial Intelligence in Finance written by El Bachir Boukherouaa and published by International Monetary Fund. This book was released on 2021-10-22 with total page 35 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper discusses the impact of the rapid adoption of artificial intelligence (AI) and machine learning (ML) in the financial sector. It highlights the benefits these technologies bring in terms of financial deepening and efficiency, while raising concerns about its potential in widening the digital divide between advanced and developing economies. The paper advances the discussion on the impact of this technology by distilling and categorizing the unique risks that it could pose to the integrity and stability of the financial system, policy challenges, and potential regulatory approaches. The evolving nature of this technology and its application in finance means that the full extent of its strengths and weaknesses is yet to be fully understood. Given the risk of unexpected pitfalls, countries will need to strengthen prudential oversight.

Routledge Handbook of Banking and Finance in Asia

Author : Ulrich Volz
Publisher : Routledge
ISBN 13 : 1134862148
Total Pages : 640 pages
Book Rating : 4.1/5 (348 download)

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Book Synopsis Routledge Handbook of Banking and Finance in Asia by : Ulrich Volz

Download or read book Routledge Handbook of Banking and Finance in Asia written by Ulrich Volz and published by Routledge. This book was released on 2018-10-26 with total page 640 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Routledge Handbook of Banking and Finance in Asia brings together leading scholars, policymakers, and practitioners to provide a comprehensive and cutting-edge guide to Asia’s financial institutions, markets, and systems. Part I provides a country-by-country overview of banking and finance in East, Southeast, and South Asia, including examples from China, Japan, Hong Kong, India, and Singapore. Part II contains thematic chapters, covering topics such as commercial banking, development banking, infrastructure finance, stock markets, insurance, and sovereign wealth funds. It also includes examinations of banking regulation and supervision, and analyses of macroprudential regulation, capital flow management measures, and monetary policy. Finally, it provides new insights into topical issues such as SME, green, and Islamic finance. This handbook is an essential resource for scholars and students of Asian economics and finance and for professionals working in financial markets in Asia.

Thailand

Author : International Monetary Fund. Monetary and Capital Markets Department
Publisher : International Monetary Fund
ISBN 13 : 1513516485
Total Pages : 136 pages
Book Rating : 4.5/5 (135 download)

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Book Synopsis Thailand by : International Monetary Fund. Monetary and Capital Markets Department

Download or read book Thailand written by International Monetary Fund. Monetary and Capital Markets Department and published by International Monetary Fund. This book was released on 2019-10-07 with total page 136 pages. Available in PDF, EPUB and Kindle. Book excerpt: This Financial System Stability Assessment paper on Thailand highlights that assets of the insurance and mutual fund sectors have doubled as a share of gross domestic product over the last decade, and capital markets are largely on par with regional peers. The report discusses significant slowdown in China and advanced economies, a sharp rise in risk premia, and entrenched low inflation would adversely impact the financial system. Stress tests results suggest that the banking sector is resilient to severe shocks and that systemic and contagion risks stemming from interlinkages are limited. Financial system oversight is generally strong, but the operational independence of supervisory agencies can be strengthened further. The operational independence of supervisory agencies can be strengthened further by reducing the involvement of the Ministry of Finance in prudential issues and ensuring that each agency has full control over decisions that lie within its areas of responsibility.

Global Perspectives in FinTech

Author : Hung-Yi Chen
Publisher : Springer Nature
ISBN 13 : 3031119541
Total Pages : 188 pages
Book Rating : 4.0/5 (311 download)

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Book Synopsis Global Perspectives in FinTech by : Hung-Yi Chen

Download or read book Global Perspectives in FinTech written by Hung-Yi Chen and published by Springer Nature. This book was released on 2022-10-03 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt: FinTech is an emerging field and most of the existing literature appears in the form of industry reports, consulting reports, working papers, and policy recommendations. Although FinTech has been widely discussed for many years, there is a paucity of literature on some categorizations of FinTech. This edited volume distinguishes itself by focusing on academic works of scholars with a different area of specialization in the FinTech field including technology, innovation and regulation. In particular, the book focuses on the laws and technologies necessary to comprehend the role of the legal system in technological innovations and will be helpful for regulatory policymaking. A practical compendium that explains concepts and follows through on applications in FinTech including its challenges and evolving nature, this book will be of interest to students, scholars, practitioners as well as regulators and policy makers.