Download or read book The Global Findex Database 2017 written by Asli Demirguc-Kunt and published by World Bank Publications. This book was released on 2018-04-19 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt: In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.

Download or read book Fiscal Choices written by Michael M. Atkinson and published by University of Toronto Press. This book was released on 2024-03-01 with total page 259 pages. Available in PDF, EPUB and Kindle. Book excerpt: The COVID-19 pandemic revealed that governments can quickly respond to a fiscal crisis without becoming mired in unproductive wrangling. But the pandemic has also revealed the limits of traditional policy instruments in stabilizing the economy, controlling inflation, and fostering economic growth. Fiscal Choices sheds light on the economic dimensions of COVID-19 and examines the state of Canada’s fiscal policy and fiscal health following the pandemic. The book covers a cluster of key fiscal policy topics: the overall capacity of government, the growth of inequalities, the management of sovereign debt, and the troubled institutions of federalism and parliamentary government. The book draws upon candid, in-depth interviews with over 70 former and current politicians, public servants, and academic experts who aim to establish a sustainable future within an accountable political system. The book argues that although those who are entrusted with the instruments of power are intelligent and well meaning, they are reluctant to take risks or abandon well-known, if poorly performing, formulas. It concludes with a set of predictions and prescriptions rooted in a realistic interpretation of Canada’s political economy. Ultimately, Fiscal Choices presents a sober assessment of federalism and parliamentary government as instruments of democratic accountability.

Download or read book Standard for Automatic Exchange of Financial Account Information in Tax Matters Second Edition written by OECD and published by OECD Publishing. This book was released on 2017-03-27 with total page 326 pages. Available in PDF, EPUB and Kindle. Book excerpt: This publication contains the following four parts: A model Competent Authority Agreement (CAA) for the automatic exchange of CRS information; the Common Reporting Standard; the Commentaries on the CAA and the CRS; and the CRS XML Schema User Guide.

Download or read book Fiscal Federalism in Canada written by André Lecours and published by University of Toronto Press. This book was released on 2023-11-30 with total page 425 pages. Available in PDF, EPUB and Kindle. Book excerpt: Featuring insights from some of the top specialists in the country, Fiscal Federalism in Canada unpacks numerous complexities of fiscal federalism in Canada. The book features key regional and provincial perspectives, while taking into account Indigenous realities, the three territories, and municipal affairs. The contributing authors go beyond the major federal transfers to examine the financing of education, cities, infrastructure, and housing. This volume shows that fiscal federalism is much more than simply an aggregate of individual programs and transfers. It highlights the role of actors other than the federal and provincial governments and recalls the importance of territoriality. The book pays close attention to the political dimension of fiscal federalism in Canada, which is at the heart of how the federation functions and is essential to its governance. Fiscal federalism is central to the funding of critical programs through intergovernmental transfers, but it is also the focus of political debates on territorial redistribution. In tackling essential questions, Fiscal Federalism in Canada contributes to the so-called second-generation fiscal federalism literature, taking stock of the critical sociological and political issues at its core.

Download or read book Blockchain written by Kapil Sharma and published by CRC Press. This book was released on 2023-02-28 with total page 207 pages. Available in PDF, EPUB and Kindle. Book excerpt: Blockchain: A Hype or a Hoax? fills a gap in the book market to provide material that is not only technical but also caters to business readers. This book was written to keep in mind various stakeholders and the current gap in blockchain education as well as use case implementation. This book reviews blockchain technology, discusses why proof of concept fails, offers examples of use cases that have been successful and that have failed and articulates a framework that should be used before deciding whether blockchain is the right technology for transformation. It uses strategic models and frameworks to assist organisations to see a fit score for their specific use cases. This book provides guidance on how to create a blockchain strategy and a business case to pitch for the budget. It also includes a case study to apply the knowledge on practical use cases for blockchain and a technical overview of most of the blockchain use cases in the market including crypto, non-fungible tokens, decentralised finance, and decentralised autonomous organisations, as well as financial and non-financial industry use cases. This book also provides a detailed overview of most of the mainstream blockchain products currently available in the market. It also offers guidance on how readers can best educate themselves on blockchain technology that is available through commercial and free resources. It concludes with a clear direction on selecting blockchain to solve real-life use cases that are best fit. A financial and non-financial value-adding framework is discussed throughout this book to assist business leaders, programme managers, product managers and information technology leaders to make strategic choices, and business cases and develop strategies for digital transformation through the use of blockchain. The distinctive feature of this book is the critical analysis of blockchain from a technology and business perspective. This is the first book to focus on business, technology and blockchain selection framework. The most unique feature of this book would be to apply Michael Porter’s competitive advantage strategy theory on blockchain use cases and their impact on companies. This book is aimed at technology students, technology professionals, blockchain and fintech consultant and business leaders. It will also be useful for readers who are building a business case to adopt blockchain into an organisation or are seeking to grow their knowledge of blockchain and improve their fintech strategy.

Download or read book Financial Technologies and DeFi written by Abeba N. Turi and published by Springer Nature. This book was released on 2023-01-01 with total page 150 pages. Available in PDF, EPUB and Kindle. Book excerpt: The hunt for new forms of value generation is shaping the future of economic and financial interactions, leading to the emergence of innovative business models and technological enablers. Other than challenging our time and space limits, such technological advancements, in some cases, have allowed the generation of value at nearly zero marginal cost. Inevitably, emergent tech solutions are fundamental game changers in digital and conventional finance. In this regard, the book fleshes out the core developments and trending fintech 2.0 solutions that pause challenges and bring opportunities for businesses and economies. It comprises nine main chapters with collective insights and interdisciplinary perspectives covering the business, tech, and regulatory layers of financial technologies and decentralized finance. Besides, the book illustrates how to leverage these state-of-the-art technologies for the evolving digital and decentralized finance world. The book targets a broad audience of researchers, academia, industry professionals, fintech enthusiasts, and the general business audience with timely data and up-to-date cases.

Download or read book Canada written by International Monetary Fund. Monetary and Capital Markets Department and published by International Monetary Fund. This book was released on 2019-06-24 with total page 85 pages. Available in PDF, EPUB and Kindle. Book excerpt: This Financial System Stability Assessment paper discusses that Canada has enjoyed favorable macroeconomic outcomes over the past decades, and its vibrant financial system continues to grow robustly. However, macrofinancial vulnerabilities—notably, elevated household debt and housing market imbalances—remain substantial, posing financial stability concerns. Various parts of the financial system are directly exposed to the housing market and/or linked through housing finance. The financial system would be able to manage severe macrofinancial shocks. Major deposit-taking institutions would remain resilient, but mortgage insurers would need additional capital in a severe adverse scenario. Housing finance is broadly resilient, notwithstanding some weaknesses in the small non-prime mortgage lending segment. Although banks’ overall capital buffers are adequate, additional required capital for mortgage exposures, along with measures to increase risk-based differentiation in mortgage pricing, would be desirable. This would help ensure adequate through-the cycle buffers, improve mortgage risk-pricing, and limit procyclical effects induced by housing market corrections.

Download or read book Canada written by International Monetary Fund. Western Hemisphere Dept. and published by International Monetary Fund. This book was released on 2017-07-13 with total page 88 pages. Available in PDF, EPUB and Kindle. Book excerpt: This 2017 Article IV Consultation highlights that Canadian economy has regained momentum, supported by the authorities’ pro-active growth strategy, but complex adjustments are still at play. Although personal consumption is robust, business investment remains weak, nonenergy exports have underperformed, and housing market imbalances have risen. Externally, the global outlook has improved, but uncertainty surrounding global trade and risks of economic fragmentation may negatively affect the durability of the Canadian recovery. A strong United States economy, expansionary fiscal and monetary policy, and stable oil prices are expected to lift real GDP growth to 2.5 percent in 2017 and 1.9 percent in 2018. Residential construction is expected to expand at a more moderate pace, reflecting tighter macroprudential measures.

Download or read book Managing Federalism through Pandemic written by Kathy L. Brock and published by University of Toronto Press. This book was released on 2023-11-07 with total page 368 pages. Available in PDF, EPUB and Kindle. Book excerpt: Managing Federalism through Pandemic summarizes and analyses multiple policy dimensions of Canada’s response to the COVID-19 pandemic and related policy issues from the perspective of Canadian federalism. Contributors address the relative effectiveness of intergovernmental cooperation at the summit level and in policy fields including emergency management, public health, national security, Indigenous Peoples and governments, border governance, crisis communications, fiscal federalism, income security policies (CERB), supply chain resilience, and interacting energy and climate policies. Despite serious policy failures of individual governments, repeated fluctuations in the overall effectiveness of pandemic management, and growing public frustration across provinces and regions, contributors show how processes for intergovernmental cooperation adapted reasonably well to the pandemic’s unprecedented stresses, particularly at the outset. The book concludes that, despite individual policy failures, Canada’s decentralized approach to policy management often enabled regional adaptation to varied conditions, helped to contain serious policy failures, and contributed to various degrees of policy learning across governments. Managing Federalism through Pandemic reveals how the pandemic exposed structural policy weaknesses which transcend federalism but have significant implications for how governments work together (or don’t) to promote the well-being of citizens.

Download or read book Review of the Monetary Policy Framework written by Great Britain: H.M. Treasury and published by The Stationery Office. This book was released on 2013-03-20 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper reviews the performance of the UK's flexible inflation targeting framework against the internationally-accepted monetary policy objective of price stability, a pre-requisite to longer-term growth and macroeconomic stability. Chapters cover the historical and international context, monetary policy frameworks and monetary policy instruments. The paper gives the Monetary Policy Committee's revised remit at Budget 2013. The Government has retained a flexible inflation target framework. The inflation target of 2 per cent, as measured by the 12-month increase in the Consumer Prices Index, is re-affirmed. The remit has been updated to clarify the trade-offs that are involved in setting monetary policy to meet a forward-looking inflation target, and in forming and communicating its judgements the MPC should promote understanding of these trade-offs. The remit continues to require an exchange of open letters between the Governor of the Bank of England and the Chancellor of the Exchequer if inflation moves away from the target by more than 1 percentage point in either direction. The open letter from the Governor should now be sent alongside the minutes of the MPC meeting that followed the publication of the CPI data. The remit requests that the MPC provides in its August 2013 inflation report an assessment of the merits of using intermediate thresholds - policy commitments conditional on future economic developments. The remit also reflects the Government's intention that the frameworks for monetary policy and macro-prudential policy, operated by the MPC and FPC of the Bank of England respectively, should be coordinated.

Download or read book Plundering the North written by Kristin Burnett and published by Univ. of Manitoba Press. This book was released on 2023-10-27 with total page 196 pages. Available in PDF, EPUB and Kindle. Book excerpt: The manufacturing of a chronic food crisis Food insecurity in the North is one of Canada’s most shameful public health and human rights crises. In Plundering the North, Kristin Burnett and Travis Hay examine the disturbing mechanics behind the origins of this crisis: state and corporate intervention in northern Indigenous foodways. Despite claims to the contrary by governments, the Hudson’s Bay Company (HBC), and the contemporary North West Company (NWC), the exorbitant cost of food in the North is neither a naturally occurring phenomenon nor the result of free-market forces. Rather, inflated food prices are the direct result of government policies and corporate monopolies. Using food as a lens to track the institutional presence of the Canadian state in the North, Burnett and Hay chart the social, economic, and political changes that have taken place in northern Ontario since the 1950s. They explore the roles of state food policy and the HBC and NWC in setting up, perpetuating, and profiting from food insecurity while undermining Indigenous food sovereignties and self-determination. Plundering the North provides fresh insight into Canada’s settler colonial project by re-evaluating northern food policy and laying bare the governmental and corporate processes behind the chronic food insecurity experienced by northern Indigenous communities.

Download or read book Financial Services Marketing written by Christine Ennew and published by Taylor & Francis. This book was released on 2024-10-02 with total page 693 pages. Available in PDF, EPUB and Kindle. Book excerpt: This fourth edition of Financial Services Marketing firmly reinforces the book’s role as a leading global educational resource, combining appropriate conceptual principles with practical insights on how financial products and services are marketed in the real world. The authors draw upon their extensive international experience marketing some of the world’s best known financial brands including Lloyds TSB and Barclays. Readers will gain a firm understanding of how financial products and services work within the commercial, social, economic, governmental, regulatory and environmental context in which they operate. This fully updated and revised edition features: A brand-new chapter devoted to environmental, social and corporate governance Revised coverage of the impact of digital advances in all aspects of business models and marketing practice, including how artificial intelligence (AI) and social marketing are changing financial services and customer experience The latest regulatory developments for safeguarding the fair treatment of customers New and improved case studies that showcase best practice from around the world Upgraded Support Material including new teaching aids and references Financial Services Marketing is essential reading for advanced undergraduate and postgraduate students studying Marketing for Financial Services, Marketing Strategy and Consumer Ethics in Finance. It is also suitable for executive students studying for professional qualifications and executive MBAs.

Download or read book Financial and Technological Innovation for Sustainability written by Artie Ng and published by Taylor & Francis. This book was released on 2023-11-03 with total page 214 pages. Available in PDF, EPUB and Kindle. Book excerpt: The COVID-19 crisis has proven that sustainability of an institution or organization requires a constant review of one’s strategic positioning and the execution of pertinent plans in response to evolving externalities. Resilient organizations continue to revive themselves through effective R&D and the renewal of their range of products and services. Financial and Technological Innovation for Sustainability: Environmental, Social and Governance Performance examines approaches to sustainability under the ongoing development of energy sustainability and the green finance initiatives. It unveils global heterogeneous efforts in achieving Environmental Social Governance (ESG) performance in light of climate change, global sustainability and concerns over corporate “greenwashing”. The book assembles a wealth of case studies from a variety of contemporary organizations that actively pursue sustainable development while seeking their next economic growth. These global cases demonstrate the salience of governance that institutes continuous advancements to enable the timely revitalization of corporate strategies, technological innovation and deployment of financial resources for sustainability transformation regardless of their stages of lifecycle. They reveal distinct approaches to financial and technological innovation in Africa, Asia, Europe and North America in pursuing the shared UN Sustainable Development Goals. The intertwined public-private partnership and implications of geopolitics under an evolving global financial system for sustainability transformation are articulated. This book will appeal to academics as well as business and finance professionals, who are keen to understand the interrelationship between financial and technological innovation, and to those who want to comprehend the underlying global challenges and opportunities of adopting emerging technologies to reinvent a business model that forges measurable and impactful ESG performances.

Download or read book Taxation Citizenship and Democracy in the 21st Century written by Yvette Lind and published by Edward Elgar Publishing. This book was released on 2024-07-05 with total page 267 pages. Available in PDF, EPUB and Kindle. Book excerpt: Proposing innovative ideas on the links between taxation, citizenship and democracy, this multidisciplinary book contributes to ongoing research and scholarship by emphasizing the importance of taxes to the functioning of democracy.

Download or read book Canada written by International Monetary Fund. Western Hemisphere Dept. and published by International Monetary Fund. This book was released on 2023-07-27 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt: Growth is slowing and headline inflation falling rapidly, but, as in other countries, core inflation has been stickier and short-term expectations elevated in the context of still-tight labor markets. The financial system appears broadly resilient despite global banking stresses and ongoing mortgage resets at higher interest rates. With the world moving from one crisis to the next, risks to a highly open economy like Canada are substantial and compound domestic vulnerabilities related to inflation expectations, the housing market, and household leverage. The outlook thus remains uncertain, and shocks could push the economy into a mild recession.

Download or read book Financial Vulnerability in Canada written by Jerry Buckland and published by Springer Nature. This book was released on 2022-03-02 with total page 191 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book examines financial vulnerability: a state in which a person or household cannot absorb any substantial spending or negative income shock without substantial financial and ultimately broader harm such as job loss, emotional harm, or mental illness. The focus of the book is on the experiences of low- income and modest income Canadian families – families which, by virtue of being in the lower income brackets, are particularly at risk of experiencing financial hardship. Looking at vulnerability from a conceptual and empirical lens, this book offers a framework to better understand the complex and interdependent ways in which financial vulnerability emerge and can be addressed. By locating its analysis of individual and household financial management in wider community, cultural, and economic contexts, this book seeks to offer holistic policy recommendations to reduce financial vulnerability, with implications that go beyond Canada and to other developed countries.

Download or read book Keeping Finance Personal written by Ellyce Fulmore and published by Hachette Go. This book was released on 2024-01-23 with total page 281 pages. Available in PDF, EPUB and Kindle. Book excerpt: “… a clear, approachable guide to help readers untangle their relationship with money, understand the systems and inequities that impact them, and reclaim financial independence.”―Edgar Villanueva, bestselling author of Decolonizing Wealth An intersectional approach to personal finance from queer, neurodivergent personal finance educator and TikToker, Ellyce Fulmore. There’s no magic formula for being “good with money.” The perfect budgeting spreadsheet or debt repayment plan will never address the root of your money issues. When Ellyce Fulmore started her journey with personal finance, she was drowning in $35K of debt, had $60 to her name, and avoided looking at her bank account. Her own “aha” moment came when she realized that the reason she and so many others have struggled with finances has little to do with being “bad with money.” Instead, it has everything to do how identity and lived experience affect financial behaviors. Now in Keeping Finance Personal, Ellyce offers a shame-free, trauma-aware approach that explores the complex, nuanced, and deeply personal relationship between your identity and your money. With chapters exploring topics such as finding safe spaces, personal values, relationship dynamics, family systems, and culture, it’s clear this is not your typical finance book. Readers will engage with how their upbringing, sense of self, trauma, and mental health impact their decisions, and begin a journey to change their relationship with money. This book is for the woman facing sexism at her local bank, the neurodivergent person struggling with impulse spending, the young adult questioning societal expectations, the 2SLGBTQIA+ couple searching for a place to rent—all the people that don’t fit into the mold that traditional finance advice is aimed at. Filled with interviews from a diverse range of voices, practical exercises, and tangible tips, Keeping Finance Personal provides a path to develop a healthy money mindset and create a life where financial stability and joy coexist.