Download or read book Mobile Internet Collateral and Banking written by Angelo D’Andrea and published by International Monetary Fund. This book was released on 2024-03-29 with total page 69 pages. Available in PDF, EPUB and Kindle. Book excerpt: Combining administrative data on credit, internet penetration and a land reform in Rwanda, this paper shows that the complementarity between technology and law can overcome financial frictions. Leveraging quasi-experimental variation in 3G availability from lightning strikes and incidental coverage, we show that mobile connectivity steers borrowers from microfinance to commercial banks and improves loan terms. These effects are partly due to the role of 3G internet in facilitating the acquisition of land titles from the reform, used as a collateral for bank loans and mortgages. We quantify that the collateral's availability mediates 35% of the overall effect of mobile internet on credit and 80% for collateralized loans.
Download or read book Developing the Framework for Safe and Efficient Mobile Payments written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2013 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Macroeconomic Policy in Fragile States written by Ralph Chami and published by Oxford University Press. This book was released on 2021-01-26 with total page 496 pages. Available in PDF, EPUB and Kindle. Book excerpt: Setting macroeconomic policy is especially difficult in fragile states. Political legitimacy concerns are heightened, raising issues such as who the policymakers are, what incentives they face, and how the process of policymaking is likely to work under limited legitimacy and high uncertainty both about the macroeconomic environment as well as policy effectiveness. In addition, fragility expands the range of policy objectives in ways that may constrain the attainment of standard macroeconomic objectives. Specifically, in the context of fragility policymakers also need to focus on measures to mitigate fragility itself - i.e., they need to address issues such as regional and ethnic economic disparities, youth unemployment, and food price inflation. Socio-political developments around the world have thus pushed policymakers to broaden their toolkit to improve the effectiveness of macroeconomic management in the face of these constraints. The chapters in Macroeconomic Policy in Fragile States address these issues, both by giving an analytical context from which policymakers can build to answer the questions they face in fragile situations as well as by providing lessons drawn from empirical analyses and case studies. The first section of the volume discusses the interactions between political economy considerations and macroeconomic policymaking. The second section covers the private sector environment in fragile states. The third section focuses on macroeconomic policy, especially fiscal policy, monetary policy, exchange rate policy, external flows, and aid effectiveness. The last section explains the role of the IMF in fragile states and concludes by presenting case studies from the Middle East and from Sub-Saharan Africa. The contributors to the volume are economists and political scientists from academia as well as policymakers from international organizations and from countries affected by fragility.
Download or read book Virtual Banking written by Dan Schatt and published by John Wiley & Sons. This book was released on 2014-07-29 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: Technology is permanently transforming the banking industry, and digital payments are the key Electronic Payments, Mobile Commerce, and Virtual Banking: A Guide to Innovation, Partnering, and Regulation takes a hands-on approach to competing in the modern banking environment. Former PayPal Head of Financial Innovation Dan Schatt explores the reasons behind the massive consumer migration away from traditional banks, and provides clear, actionable guidance on beating new banking models at their own game. Digital payment is the hottest topic in banking today, and is set to define the future of the industry. Consumers are rapidly abandoning traditional banks in favor of institutions that are lower-cost and more consumer-centric. Between the pace of financial regulatory reform and the cloud computing revolution, the old banking model is on the fast track to extinction. Electronic Payments, Mobile Commerce, and Virtual Banking provides the information banks need to compete in this new environment, and details the integral implementation actions that will allow them to thrive. The book discusses real-world innovations from banks, non-banks, and up and comers, and the heavy competition from the new outsource bank model. Topics include: The changing POS landscape and the need for digital wallet partnerships Shifting gears to greenfield market opportunities versus non-profitable markets Digital channel best practices for superior customer experience When to outsource, and what capabilities to truly own Case studies including PayPal, Google, Square, Facebook, Twitter, and more illustrate acceleration of innovation through banking partnerships, as well as the mechanics behind banking's biggest, scariest threats. The trick to surviving the paradigm shift is to embody innovation while providing a superior customer proposition. Electronic Payments, Mobile Commerce, and Virtual Banking: A Guide to Innovation, Partnering, and Regulation provides the inside track on managing the shift and dominating the new marketplace.
Download or read book World Development Report 2021 written by World Bank and published by World Bank Publications. This book was released on 2021-06-15 with total page 417 pages. Available in PDF, EPUB and Kindle. Book excerpt: Today’s unprecedented growth of data and their ubiquity in our lives are signs that the data revolution is transforming the world. And yet much of the value of data remains untapped. Data collected for one purpose have the potential to generate economic and social value in applications far beyond those originally anticipated. But many barriers stand in the way, ranging from misaligned incentives and incompatible data systems to a fundamental lack of trust. World Development Report 2021: Data for Better Lives explores the tremendous potential of the changing data landscape to improve the lives of poor people, while also acknowledging its potential to open back doors that can harm individuals, businesses, and societies. To address this tension between the helpful and harmful potential of data, this Report calls for a new social contract that enables the use and reuse of data to create economic and social value, ensures equitable access to that value, and fosters trust that data will not be misused in harmful ways. This Report begins by assessing how better use and reuse of data can enhance the design of public policies, programs, and service delivery, as well as improve market efficiency and job creation through private sector growth. Because better data governance is key to realizing this value, the Report then looks at how infrastructure policy, data regulation, economic policies, and institutional capabilities enable the sharing of data for their economic and social benefits, while safeguarding against harmful outcomes. The Report concludes by pulling together the pieces and offering an aspirational vision of an integrated national data system that would deliver on the promise of producing high-quality data and making them accessible in a way that promotes their safe use and reuse. By examining these opportunities and challenges, the Report shows how data can benefit the lives of all people, particularly poor people in low- and middle-income countries. .
Download or read book Proceedings of the 2022 International Conference on Mathematical Statistics and Economic Analysis MSEA 2022 written by Gaikar Vilas Bhau and published by Springer Nature. This book was released on 2022-12-22 with total page 1514 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is an open access book. 2022 International Conference on Mathematical Statistics and Economic Analysis(MSEA 2022) will be held in Dalian, China from May 27 to 29, 2022. Based on probability theory, mathematical statistics studies the statistical regularity of a large number of random phenomena, and infers and forecasts the whole. Economic development is very important to people's life and the country. Through data statistics and analysis, we can quickly understand the law of economic development. This conference combines mathematical statistics and economic analysis for the first time to explore the relationship between them, so as to provide a platform for experts and scholars in the field of mathematical statistics and economic analysis to exchange and discuss.
Download or read book ICT in Agriculture Updated Edition written by World Bank and published by World Bank Publications. This book was released on 2017-06-27 with total page 658 pages. Available in PDF, EPUB and Kindle. Book excerpt: Information and communication technology (ICT) has always mattered in agriculture. Ever since people have grown crops, raised livestock, and caught fish, they have sought information from one another. Today, ICT represents a tremendous opportunity for rural populations to improve productivity, to enhance food and nutrition security, to access markets, and to find employment opportunities in a revitalized sector. ICT has unleashed incredible potential to improve agriculture, and it has found a foothold even in poor smallholder farms. ICT in Agriculture, Updated Edition is the revised version of the popular ICT in Agriculture e-Sourcebook, first launched in 2011 and designed to support practitioners, decision makers, and development partners who work at the intersection of ICT and agriculture. Our hope is that this updated Sourcebook will be a practical guide to understanding current trends, implementing appropriate interventions, and evaluating the impact of ICT interventions in agricultural programs.
Download or read book Banking the Poor written by and published by World Bank Publications. This book was released on 2009-01-01 with total page 108 pages. Available in PDF, EPUB and Kindle. Book excerpt: Banking the Poor explores level and determinants of financial access in 54 countries, mostly in Africa. It collects information from two sources: central banks and leading commercial banks in each surveyed country. It explores associations between countries' banking policies and practices and their levels of financial access, measured in terms of the numbers of bank account per thousand adults. It builds on the previous work measuring financial access through information from regulators, from banks, and also from users' perspectives in household surveys.
Download or read book Indian Economy UPSC written by Mohit Sharma and published by Mohit Sharma. This book was released on with total page 608 pages. Available in PDF, EPUB and Kindle. Book excerpt: Conquer the UPSC with a Masterful Grip on Indian Economy! Empower your UPSC journey with a comprehensive guide to Indian Economy, designed for success in both the prelims and mains exams. This book equips you with the knowledge and analytical tools to excel in GS Paper III. Key Features: Syllabus Harmony: Covers the entire UPSC Indian Economy syllabus meticulously, ensuring you're fully prepared. Conceptual Clarity: Master core economic principles with lucid explanations, diagrams, graphs, and real-world examples. Current Affairs Edge: Stay ahead of the curve with the latest data, government schemes, and crucial economic developments. Practice Makes Perfect: Sharpen your skills with a treasure trove of past UPSC questions for targeted revision. Beyond UPSC: Gain an edge in other competitive exams like State PCS, RBI, NABARD, and SEBI with relevant content. This book is your one-stop solution for: Aspirants seeking a strong foundation in Indian Economy Candidates aiming to ace both prelims and mains Individuals seeking a comprehensive understanding of India's economic landscape Embrace a confident and strategic approach to the UPSC with this invaluable resource!
Download or read book Agriculture for UPSC GS Mains written by Mohit Sharma and published by Mohit Sharma. This book was released on 2024-03-24 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt: Conquer both GS I and GS III with a Unique Approach This comprehensive guide, designed specifically for UPSC Mains aspirants, decodes the intricate relationship between agriculture, geography (GS I), and economics (GS III) in the Indian context. Bridging the gap between these often-isolated subjects, the book equips you to tackle UPSC questions demanding an interdisciplinary perspective. Unearth the Geographical Foundations: Delve into the agro-climatic zones of India - Explore how variations in rainfall, temperature, and sunlight influence agricultural practices across the country. Master the intricacies of soil types - Understand how soil composition impacts crop suitability and agricultural productivity. Analyze the role of irrigation methods - Examine the geographical factors influencing irrigation systems like canals, wells, and rainwater harvesting. Navigate the Economic Terrain: Grasp the complexities of agricultural marketing - Learn about marketing channels, infrastructure challenges, and government initiatives to empower farmers. Decipher the impact of credit facilities - Analyze the role of loans and subsidies in agricultural development and identify regional disparities in access. Unpack the historical and contemporary significance of land reforms - Evaluate their impact on land ownership patterns, agricultural productivity, and rural livelihoods. Key Features: Interdisciplinary Approach: Integrate geographical concepts with economic principles to gain a holistic understanding of Indian agriculture. UPSC-oriented Framework: Tailored content aligns with the latest UPSC syllabus, equipping you to address relevant questions in both GS I and GS III. Case Studies and Real-world Examples: Solidify your knowledge by applying it to real-world scenarios and agricultural challenges faced by India. This book empowers you to: Craft well-rounded and insightful answers for UPSC Mains. Analyze the interplay between geographical factors and economic forces in shaping Indian agriculture. Develop a critical perspective on contemporary agricultural issues and government policies. Elevate your UPSC Mains preparation with this one-of-a-kind resource!
Download or read book Finance in Rural China written by Xingyuan Feng and published by Taylor & Francis. This book was released on 2023-03-24 with total page 162 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book offers insights into the scholarly debates on formal and informal finance in rural China and fills a gap in the existing literature. The book provides an overview of the overall development of rural finance in China and explains the necessity of embarking on the pathway toward rural financial pluralization through the "Local Knowledge Paradigm". The authors also analyze formal and informal financial development and inclusive finance (including digital inclusive finance) in rural China in various dimensions. This book aids the understanding of the structure of the rural financial system and the operations of rural financial service providers in China. It will be a useful reference for those researching and interested in rural economy and rural finance.
Download or read book New Paradigms for Financial Regulation written by Masahiro Kawai and published by Brookings Institution Press. This book was released on 2013 with total page 301 pages. Available in PDF, EPUB and Kindle. Book excerpt: " A Brookings Institution Press and Asian Development Bank Institute publication The global financial crisis has led to a sweeping reevaluation of financial market regulation and macroeconomic policies. Emerging markets need to balance the goals of financial development and broader financial inclusion with the imperative of strengthening macroeconomic and financial stability. The third in a series on emerging markets, New Paradigms for Financial Regulation develops new analytical frameworks and provides policy prescriptions for how the frameworks should be adapted to a world of more free and more volatile capital. This volume provides an overview of the global regulatory landscape from the perspective of Asian emerging markets. The contributors discuss the many challenges ahead in developing sound and flexible financial regulatory systems for emerging market economies. The challenges are heightened by the rising integration of these economies into global trade and finance, the growing sophistication of their financial systems as globalization and emergence processes accelerate, and their potential vulnerability to instability arising from the financial markets in the advanced economies. The contributors provide guidance about pitfalls to be avoided, general principles that should guide the creation of sound regulatory systems, and valuable analytic perspectives about how to continue to broaden the financial sector and innovate while still maintaining financial and macroeconomic stability. "
Download or read book Financial Inclusion in Asia and Beyond written by Tony Cavoli and published by Routledge. This book was released on 2021-03-04 with total page 299 pages. Available in PDF, EPUB and Kindle. Book excerpt: The World Bank considers financial inclusion to be an enabler for at least 7 of the 17 United Nation’s sustainable development goals (SDGs). Financial inclusion, with its associated policy implications, is an important issue for ASEAN. This book examines the economic effects of financial inclusion. It explores issues surrounding measurement and impact of financial inclusion. The book looks at various, salient topics including measurement of financial inclusion, the impact of (various indicators of) financial inclusion on development outcomes and macroeconomic volatility using aggregate data, as well as the effects of financial inclusion on poverty and development outcomes using micro data.
Download or read book The Routledge Companion to Mobile Media written by Gerard Goggin and published by Routledge. This book was released on 2014-05-09 with total page 752 pages. Available in PDF, EPUB and Kindle. Book excerpt: The last decade has witnessed the rise of the cell phone from a mode of communication to an indispensable multimedia device, and this phenomenon has led to the burgeoning of mobile communication studies in media, cultural studies, and communication departments across the academy. The Routledge Companion to Mobile Media seeks to be the definitive publication for scholars and students interested in comprehending all the various aspects of mobile media. This collection, which gathers together original articles by a global roster of contributors from a variety of disciplines, sets out to contextualize the increasingly convergent areas surrounding social, geosocial, and mobile media discourses. Features include: comprehensive and interdisciplinary models and approaches for analyzing mobile media; wide-ranging case studies that draw from this truly global field, including China, Africa, Southeast Asia, the Middle East, and Latin America, as well as Europe, the UK, and the US; a consideration of mobile media as part of broader media ecologies and histories; chapters setting out the economic and policy underpinnings of mobile media; explorations of the artistic and creative dimensions of mobile media; studies of emerging issues such as ecological sustainability; up-to-date overviews on social and locative media by pioneers in the field. Drawn from a range of theoretical, artistic, and cultural approaches, The Routledge Companion to Mobile Media will serve as a crucial reference text to inform and orient those interested in this quickly expanding and far-reaching field.
Download or read book Agricultural finance and the youth prospects for financial inclusion in Kenya written by Food and Agriculture Organization of the United Nations and published by Food & Agriculture Org.. This book was released on 2020-12-13 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: The aim of this publication is to provide a comprehensive assessment of the current state of financial inclusion among the Kenyan youth, especially those residing in rural and financially underserved areas. In particular, the study seeks to illustrate the clear linkage between the substantial financial access gap faced nowadays by the Kenyan youth and their inability to pursue high value-added entrepreneurial opportunities, chiefly in the agribusiness sector. The study sets out to analyze the core constraints and opportunities associated with the provision of tailored financial services to young Kenyans (especially first-time entrepreneurs), while showcasing the essential role that key supporting actors (such as the government, international development institutions, NGOs, foundations and many others) can play in fostering the provision and uptake of such services.
Download or read book The Hunt for Unicorns written by Winston Ma and published by John Wiley & Sons. This book was released on 2021-01-05 with total page 416 pages. Available in PDF, EPUB and Kindle. Book excerpt: Who holds the power in financial markets? For many, the answer would probably be the large investment banks, big asset managers, and hedge funds that are often in the media's spotlight. But more and more a new group of sovereign investors, which includes some of the world's largest sovereign wealth funds, government pension funds, central bank reserve funds, state-owned enterprises, and other sovereign capital-enabled entities, have emerged to become the most influential capital markets players and investment firms, with $30 trillion in assets under management (“super asset owners”). Their ample resources, preference for lower profile, passive investing, their long-time horizon and adherence to sustainability as well as their need to diversify globally and by sector have helped to transform the investment world and, in particular, private markets for digital companies. They have helped create and sustain an environment that has fostered the rise of the likes of Uber, Alibaba, Spotify and other transformative players in the digital economy, while providing their founders and business models the benefit of long-term capital. Despite this increasingly important impact, sovereign investors remain mostly unknown, often maintaining a low profile in global markets. For the same reason, they’re also among the most widely misunderstood, as many view investments made by sovereign investors as purely driven by political aims. The general perception is that most sovereign investors lack transparency and have questionable governance controls, causing an investee nation to fear exposure to risks of unfair competition, data security, corruption, and non-financially or non-economically motivated investments. The current global tensions around the AI race and tech competition – and now the corona virus pandemic – have exacerbated such misperceptions, spawning controversies around sovereign investors and capital markets, governments, new technologies, cross-border investments, and related laws and regulations. As such, sovereign capital and the global digital economy are undergoing an unprecedented, contentious moment. In short, the emergence of sovereign funds symbolizes a major shift of the world’s economic power. For the first time, investment funds from developing countries are playing with OECD financial giants as equals. Furthermore, their investments into high tech enable them to participate at the cutting-edge of the fourth industrial revolution, challenging traditional innovation powerhouses like the US and Germany. For all stakeholders, from tech unicorns, VC funds, asset managers, financial firms, to policymakers, law firms, academics, and the general public, this is the must-have book to get to know these new venture capitalists and “super asset owners”.
