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On The Diffusion Of Mobile Phone Innovations For Financial Inclusion
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Book Synopsis On the Diffusion of Mobile Phone Innovations for Financial Inclusion by : Simplice Asongu
Download or read book On the Diffusion of Mobile Phone Innovations for Financial Inclusion written by Simplice Asongu and published by . This book was released on 2020 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: "Replications are an important part of the research process because they allow for greater confidence in the findings" (McEwan, Carpenter & Westerman, 2018, p. 235). This study extends Lashitew, van Tulder and Liasse (2019, RP) by addressing the concern of multicollinearity that affects the signs and significance of estimated coefficients. This article investigates nexuses between innovations in mobile money and financial inclusion in developing countries. Demand and supply factors that affect the diffusion of mobile services as well as macro-level institutional and economic factors are taken on board. The empirical evidence is based on Tobit regressions. The study finds that when the empirical analysis is robust to multicollinearity, two main tendencies are apparent: the significant findings of Lashitew et al. (2019) are confirmed and many new significant estimated coefficients emerge. While this study confirms the findings of the underlying research, it also goes further to improve the harmony in narratives between the predictors and the outcome variables. Accordingly, by accounting for multicollinearity, the earlier findings are now more consistent across the set of predictors (i.e. demand and supply factors) and the attendant financial inclusion outcomes (i.e. mobile money accounts, mobile used to send money and mobile used to receive money).
Book Synopsis The Role of Financial Inclusion for Reaching Sustainable Development Goals by : Jungo, João
Download or read book The Role of Financial Inclusion for Reaching Sustainable Development Goals written by Jungo, João and published by IGI Global. This book was released on 2024-02-12 with total page 346 pages. Available in PDF, EPUB and Kindle. Book excerpt: In today's world, financial inclusion has emerged as a critical tool for fostering inclusive economic growth and achieving sustainable development goals. The Role of Financial Inclusion for Reaching Sustainable Development Goals presents a comprehensive exploration of the subject, offering a vital resource for anyone seeking to grasp the intricacies of this dynamic and evolving field. This book assembles a collection of cutting-edge research on financial inclusion, featuring contributions from diverse contributing authors with expertise in various aspects of finance and economics. The volume is structured to examine the main trends and challenges surrounding financial inclusion, while shedding light on its implications for different economies and societies. From the determinants of financial inclusion to its effects on economic agents, financial institutions, and entire economies, each chapter delves into crucial questions, exploring both the theoretical and empirical aspects of the topic. By examining the challenges and implications of financial inclusion in an international context, this book emerges as a relevant and timely reference for policymakers, academics, and financial professionals alike. This book emphasizes the broader social and political impact of financial inclusion, discussing its correlation with issues such as gender inequality, education expenses, health expenses, access to water and sanitation, environmental inequality, and energy needs.
Download or read book ICEBE 2021 written by Darmawan Napitupulu and published by European Alliance for Innovation. This book was released on 2022-04-20 with total page 501 pages. Available in PDF, EPUB and Kindle. Book excerpt: ICEBE is “International Conference of Economics, Business & Entrepreneurship on Global Innovation and Trend in Economy”. The fourth ICEBE 2021 conference was held on October 7, 2021 as a joint collaboration from four distinguished universities in Indonesia, which are Universitas Lampung, Universitas Multimedia Nusantara, Universitas Bhayangkara Raya Jaya and Universitas Malahayati. This conference has brought researchers, scholars and practitioners who were passionate to share their thoughts and research findings on current business management, accounting and economics latest issues. The theme of ICEBE 2021 was “Reshaping Business Strategy Through Technological Innovation from Post Covid-19 Recovery”.
Book Synopsis Financial Social Innovations by : Alessandro Lanteri
Download or read book Financial Social Innovations written by Alessandro Lanteri and published by Taylor & Francis. This book was released on 2024-03-15 with total page 111 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book helps make sense of the emerging and established social innovations that have disrupted and are disrupting the world of finance. Written in an engaging style, this book offers a systematic study of social innovation in the financial services. It introduces the fundamental concepts of financial social innovations (FINSIs), places them in the context of the broader literature, and provides a new framework for understanding and organising these innovations. The book applies the framework to seven existing FINSIs to illustrate their important components and explore their benefits as well as the more negative or harmful aspects to society. These seven FINSIs are microfinance, peer-to-peer (P2P) lending, crowdfunding, mobile banking, impact investing, digital cryptocurrencies, and social impact bonds. The easy-to-follow framework will help to ground the reader’s understanding of FINSIs as the existing ones evolve and new ones are developed. This book is ideal for courses on social innovation, social entrepreneurship, and financial innovation in departments of business, economics, social sciences, and political science.
Book Synopsis Transfer, Diffusion and Adoption of Next-Generation Digital Technologies by : Sujeet K. Sharma
Download or read book Transfer, Diffusion and Adoption of Next-Generation Digital Technologies written by Sujeet K. Sharma and published by Springer Nature. This book was released on 2023-12-12 with total page 479 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book constitutes the refereed proceedings of the IFIP WG 8.6 International Working Conference on Transfer and Diffusion of IT, TDIT 2023, which took place in Nagpur, India, in December 2023. The 87 full papers and 23 short papers presented in these proceedings were carefully reviewed and selected from 209 submissions. The papers are organized in the following topical sections: Volume I: Digital technologies (artificial intelligence) adoption; digital platforms and applications; digital technologies in e-governance; metaverse and marketing. Volume II: Emerging technologies adoption; general IT adoption; healthcare IT adoption. Volume III: Industry 4.0; transfer, diffusion and adoption of next-generation digital technologies; diffusion and adoption of information technology.
Book Synopsis Innovation in Financial Services by : Anne-Laure Mention
Download or read book Innovation in Financial Services written by Anne-Laure Mention and published by Cambridge Scholars Publishing. This book was released on 2014-10-21 with total page 370 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book gathers together some of the most up-to-date thinking in the growing field of innovation in services and more particularly, in financial services. It explores the peculiarities of innovation in financial services firms and surrounding market players, discusses the open nature of the innovation process, and analyses its success factors and its interplay with strategy and performance. This book provides topical insights on the challenges facing the financial industry, such as the convergence with other sectors, and the increasing regulatory burden. By combining multidisciplinary approaches and by selecting a number of cutting-edge research models, theories, empirical findings and practitioners’ insights, it offers unique, contemporary and multidimensional perspectives on innovation for a sector of paramount importance for the running of economies around the world. This book comes at a time of turbulence, uncertainty and within an industry in need of vision and strategic foresight. By synthesizing multiple views from academia and practice, it opens the agenda and contributes to the on-going debate of redefining the multi-polar role of innovation in the financial industry.
Book Synopsis Digital Technologies for Financial Inclusion by : Rebecca Walcott
Download or read book Digital Technologies for Financial Inclusion written by Rebecca Walcott and published by . This book was released on 2022 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Globally, about 24% of adults lack access to a basic account that can safely store and transfer money. The majority of these adults live in low and middle income countries; many are poor and many are women. Financial exclusion is especially widespread in sub-Saharan Africa, where nearly half of all adults do not have a bank account (Demirguc-Kunt et al., 2018). Advances in digital financial technology, especially through the proliferation of mobile money, offer a new way to extend financial services to populations who do not have access to the formal financial sector. Mobile money technology provides users with a convenient way to send and receive payments, such as domestic remittances, as well as a mechanism to safely and privately store money. Mobile money is accessible for anyone with a mobile phone and SMS network connectivity (smartphone and internet access are not required). Existing research reveals promising improvements in financial inclusion outcomes and welfare benefits (Jack & Suri, 2014; Nanda & Kaur, 2016; Bahia et al., 2020), but mobile money innovations currently outpace the academic literature. In Chapter 1, I examine one such innovation: a 2014 Bank of Tanzania policy mandating the distribution of interest to mobile wallet account balances. I exploit the differences in interest allocation methods of different mobile money providers in Tanzania to conduct a difference-in-differences analysis of the effect of a specific savings incentive on mobile savings behavior. I find a consistent and positive effect of the savings incentive; customers under this policy had an 11 percentage point increase in the probability of saving with their mobile wallet. I also show that the mobile savings incentive produced no negative repercussions for bank account ownership, directly addressing concerns from the banking sector that mobile interest is a threat to the formal financial sector. Such findings may be highly relevant to the current policy debates around leveraging mobile money interest provision to increase financial inclusion among the world’s poorest. In Chapter 2, I investigate another mobile money innovation: digital loan repayment for microfinance customers. Existing research is largely focused on the implications of digitization for loan repayment rates and operational efficiency, but this paper uniquely centers the overlooked perspectives of microfinance borrowers. I leverage a mixed-methods approach, including a quantitative discrete choice analysis and a qualitative content analysis of stated preferences, to explore the determinants of demand for a digital repayment option among a group of current microfinance clients in Uganda. I find that borrowers’ comfortability with mobile money, education level, and perceptions of the cost and convenience of digital repayment are important determinants of demand. However, qualitative data reveal heterogeneity in borrowers’ understanding of how digital repayment will impact the microfinance group structure and their future access to credit, which has substantial implications for the uptake of digital repayment. These findings can inform the design of digital microfinance innovations and also contribute to the broader literature around technology adoption by highlighting the importance of qualitative data and user-centered research. In Chapter 3, I focus on the diffusion of mobile money policies. Specifically, I examine the policy convergence around risk-based Know-Your-Customer (KYC) regulation over time in sub-Saharan Africa. Risk-based KYC policies lower barriers to both mobile money provision and access. I ask the research question: What are the internal determinants and external influences associated with the regulator’s decision to adopt internationally recommended KYC policies for mobile money? Using an event history approach, I investigate the relative importance of domestic banking concentration, foreign aid dependence, and participation in the international financial inclusion community on the time-to-implementation of risk-based KYC policies. While domestic pressures from highly concentrated banking sectors may marginally deter risk-based KYC adoption, I find the primary accelerator of risk-based KYC policy adoption to be regional diffusion. Insight into the mechanisms underlying mobile money policy convergence lays the groundwork for future research to facilitate the regulatory components of financial inclusion promotion.
Book Synopsis Disruptive Technologies, Innovation and Development in Africa by : Peter Arthur
Download or read book Disruptive Technologies, Innovation and Development in Africa written by Peter Arthur and published by Springer Nature. This book was released on 2020-05-29 with total page 318 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book examines how disruptive technologies and innovation underpin the attainment of a broader development agenda in Africa. Contributors show how distinctive forms of technological innovation can impact critical development processes. For example, disruptive technologies can deepen the ongoing democratic and governance waves in Africa, specifically in the area of contested elections. Similarly, innovations in agriculture, the environment and energy promote changes in value chain agriculture, and the use of sensors to manage e-waste and sustainable energy conservation are also transforming established practices. Furthermore, the role of disruptive technologies and innovation in education, health, financial services and the nature of paid work cannot be ignored. Individually and collectively, the authors discuss and highlight the mechanisms and initiatives that can contribute to the realization of the development goals of African countries, especially in a period where disruptive technologies are rapidly changing how things are done. As a result, this book, which represents one of the most recent systematic efforts to bring together dialogue on disruptive technologies in Africa, will be of particular use and benefit to a wide and an eclectic audience.
Book Synopsis Mobile Phones and Development in Africa by : Jenny C. Aker
Download or read book Mobile Phones and Development in Africa written by Jenny C. Aker and published by Springer Nature. This book was released on 2023-11-30 with total page 189 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book focuses on the impact of information technology on the lives and livelihoods of rural households in sub-Saharan Africa, where simple mobile phones have leapfrogged traditional communication and financial technologies, and thus, arguably, offer some of the greatest potential for development. Drawing on primary and secondary research from a variety of disciplines, the authors examine the evolution of mobile phone coverage and adoption in sub-Saharan Africa over the past two decades, before exploring the main channels through which mobile phones can affect development. They then review initiatives on “digitizing development” and evaluate empirical evidence on their impact. The book argues that digital has yet to live up to the hype, ending with a set of questions that stakeholders should ask (and answer) when using digital technology for promoting development.
Book Synopsis Impact of Mobile Payment Applications and Transfers on Business by : Opati, Thaisaiyi Zephania
Download or read book Impact of Mobile Payment Applications and Transfers on Business written by Opati, Thaisaiyi Zephania and published by IGI Global. This book was released on 2019-12-20 with total page 311 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consumers continue to rely heavily on their phones to complete such tasks as transferring funds between banks or accounts, depositing or withdrawing funds, paying bills, and purchasing items. Mobile money users are oftentimes more financially resilient and can protect themselves better against economic and other shocks. Moreover, mobile money can increase the velocity of money in circulation because it reduces the transactions and time costs of making retail payments. As such, understanding the impact of mobile payments is imperative for businesses and the economy. Impact of Mobile Payment Applications and Transfers on Business is a pivotal reference source that provides vital research on mobile money transfer and its impact in social, corporate, and micro- and macro-policies concerning the aggregate economy and individual households as a whole within an economy. It covers the impact, innovations, business-to-business transformations, regulatory framework, challenges, and ethical issues surrounding mobile money transfers around the world. This book is ideally designed for economists, financial analysts, business managers, leaders, scholars, practitioners, researchers, and students in fields that include management, finance, economics, commerce, and leadership.
Book Synopsis Diffusion of Innovation by : Alessio Leodori
Download or read book Diffusion of Innovation written by Alessio Leodori and published by LAP Lambert Academic Publishing. This book was released on 2013 with total page 136 pages. Available in PDF, EPUB and Kindle. Book excerpt: The last 10 years have seen an astounding growth in mobile subscriptions worldwide. Of the total adult population, more than half are financially excluded, but at the same time they own a mobile phone, thus mobile banking could represent for these people an introduction into financial inclusion. The majority of these unbanked live in Asia, Africa and Latin America. This study was born with the aim to answer to the following research question: what are the important variables to be taken into account to forge a model for mobile banking in Europe? In sum, the author wanted to identify the main drivers of the intention to adopt mobile banking and, after that, forged a business model to boost the adoption of this new phenomena in Europe. The author tried to answer to the question by defining the service, analyzing case studies, making a review of the literature available and then an empirical investigation. In particular the work is organized as follows: six chapters, of which the first four include theory, statistics, case studies and literature on innovation; and the last two include empirical work of the author, such as surveys, data analysis and findings.
Book Synopsis Research Handbook on International Migration and Digital Technology by : McAuliffe, Marie
Download or read book Research Handbook on International Migration and Digital Technology written by McAuliffe, Marie and published by Edward Elgar Publishing. This book was released on 2021-12-07 with total page 464 pages. Available in PDF, EPUB and Kindle. Book excerpt: This forward-looking Research Handbook showcases cutting-edge research on the relationship between international migration and digital technology. It sheds new light on the interlinkages between digitalisation and migration patterns and processes globally, capturing the latest research technologies and data sources. Featuring international migration in all facets from the migration of tech sector specialists through to refugee displacement, leading contributors offer strategic insights into the future of migration and mobility.
Book Synopsis Mobile Technologies and Socio-Economic Development in Emerging Nations by : Mtenzi, Fredrick Japhet
Download or read book Mobile Technologies and Socio-Economic Development in Emerging Nations written by Mtenzi, Fredrick Japhet and published by IGI Global. This book was released on 2018-03-23 with total page 383 pages. Available in PDF, EPUB and Kindle. Book excerpt: As technology advances, mobile devices have become more affordable and useful to countries around the world. As a result, mobile evolution has become an essential part of economic and social advancement. Mobile Technologies and Socio-Economic Development in Emerging Nations provides emerging research on the role of mobile devices as an important aspect of social and economic growth in developing countries. While highlighting topics, such as device authentication, mobile data management, and sensor services, this book explores how mobile devices have evolved to become an extremely useful tool. This book is a vital resource for academicians, researchers, students, practitioners, politicians, and professionals seeking current research on the uses, applications, and advantages of mobile services in increasing economic growth.
Book Synopsis Application of Emerging Technologies by : Tareq Ahram and Waldemar Karwowski
Download or read book Application of Emerging Technologies written by Tareq Ahram and Waldemar Karwowski and published by AHFE Conference. This book was released on 2023-12-04 with total page 526 pages. Available in PDF, EPUB and Kindle. Book excerpt: Proceedings of the AHFE International Conference on Human Factors in Design, Engineering, and Computing (AHFE 2023 Hawaii Edition), Honolulu, Hawaii, USA 4-6, December 2023
Author :Management Association, Information Resources Publisher :IGI Global ISBN 13 :1668475537 Total Pages :711 pages Book Rating :4.6/5 (684 download)
Book Synopsis Research Anthology on Microfinance Services and Roles in Social Progress by : Management Association, Information Resources
Download or read book Research Anthology on Microfinance Services and Roles in Social Progress written by Management Association, Information Resources and published by IGI Global. This book was released on 2022-09-23 with total page 711 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microfinance has emerged as a growing field as more businesses discover the benefits and opportunities it provides. To ensure that microfinance is utilized appropriately, further study on the best practices and difficulties is required. The Research Anthology on Microfinance Services and Roles in Social Progress considers the ways in which microfinance can be utilized to achieve social progress as well as the challenges and opportunities of this area. Covering key topics such as income, small businesses, entrepreneurship, and credit, this major reference work is ideal for industry professionals, government officials, computer scientists, entrepreneurs, business owners, managers, policymakers, researchers, scholars, practitioners, instructors, and students.
Book Synopsis The Adoption of Fintech by : Syed Hasan Jafar
Download or read book The Adoption of Fintech written by Syed Hasan Jafar and published by CRC Press. This book was released on 2024-06-19 with total page 375 pages. Available in PDF, EPUB and Kindle. Book excerpt: The term Fintech is a combination of the words “financial” and “technology,” which is now a real business need. However, there are limited books covering holistic aspects from adoption to the future of Fintech. This book directs readers on how to adopt Fintech, develop regulation and risk frameworks, implement it in financial services, address ethical dilemmas, and sustain improvements. The anticipated challenges are developing trust, security, privacy, and a regulated environment without compromising profitability and financial stability. The anticipated solution is strengthening the governance, use of unbreachable technologies, risk management, consumer data protection, and sustainable practices. This book is recommended for stakeholders, especially Fintech scholars, practitioners, and policymakers. It provides holistic insight and opportunities to support Fintech developments for the betterment of the economy and society. Fintech is defined as injecting technology into the area of finance for better security, speed, and customer experience. This book provides readers with direct case studies for better understanding. In addition, it explains the regulation and usage of Fintech in daily transactions. Readers are shown how Fintech has an imperative role in financial analysis, Insurtech, and the share market.
Book Synopsis Marketing Techniques for Financial Inclusion and Development by : Jain, Dhiraj
Download or read book Marketing Techniques for Financial Inclusion and Development written by Jain, Dhiraj and published by IGI Global. This book was released on 2018-06-01 with total page 331 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial inclusion has been one of the most propagated ideologies in countries, and as a result, significant efforts have been taken to nurture institutions and systems to include an array of socio-economic classes. Various financial institutions and societies have taken steps toward financial inclusion, but to be successful, they need to understand how to accurately target and market their potential customers as well as the new avenues for development. Marketing Techniques for Financial Inclusion and Development is a critical scholarly resource on the marketing techniques adopted by various financial institutions and societies for promoting financial inclusion initiatives for the development of the society at large. Featuring coverage on a broad range of topics such as consumer awareness, financial literacy, and micro-enterprises, this book is geared towards managers, investors, brokers, researchers, and all others within the banking industry.
