Download or read book The Exclusionary Politics of Digital Financial Inclusion written by Serena Natile and published by Routledge. This book was released on 2020-01-20 with total page 222 pages. Available in PDF, EPUB and Kindle. Book excerpt: Focusing on Kenya’s path-breaking mobile money project M-Pesa, this book examines and critiques the narratives and institutions of digital financial inclusion as a development strategy for gender equality, arguing for a politics of redistribution to guide future digital financial inclusion projects. One of the most-discussed digital financial inclusion projects, M-Pesa facilitates the transfer of money and access to formal financial services via the mobile phone infrastructure and has grown at a phenomenal rate since its launch in 2007 to reach about 80 per cent of the Kenyan population. Through a socio-legal enquiry drawing on feminist political economy, law and development scholarship and postcolonial feminist debate, this book unravels the narratives and institutional arrangements that frame M-Pesa’s success while interrogating the relationship between digital financial inclusion and gender equality in development discourse. Natile argues that M-Pesa is premised on and regulated according to a logic of opportunity rather than a politics of redistribution, favouring the expansion of the mobile money market in preference to contributing to substantive gender equality via a redistribution of the revenue and funding deriving from its development. This book will be of particular interest to scholars and students in Global Political Economy, Socio-Legal Studies, Gender Studies, Law & Development, Finance and International Relations.

Download or read book The Regulation of Mobile Money written by Sunduzwayo Madise and published by Springer. This book was released on 2019-03-26 with total page 423 pages. Available in PDF, EPUB and Kindle. Book excerpt: The emergence of mobile money and other new forms of payment has changed the sovereign foundations of money. Starting as a Department for International Development funded project in Kenya, mobile money has now spread to many developing countries. This book looks at the regulatory issues that mobile money poses, and the potential risks to the financial system. It undertakes a comparative study of mobile money regimes in Kenya, Malaŵi, Tanzania, and South Africa. Although the main study is on Malaŵi, the lessons learnt are valuable to Sub Saharan Africa in understanding the regulatory issues surrounding mobile money. The main argument that this book makes is that the traditional regulatory architecture of supervising the financial services is ill-suited to supervise new forms of money like mobile money. With no requirement for a bank account, mobile money is not subject to prudential regulation. Mobile money is now considered a key developmental tool to achieve financial inclusion among the poor, rural based, unbanked, and underbanked. As opposed to traditional additive forms of financial inclusion, mobile money is transformative. In most jurisdictions where it has been launched, mobile money has largely been regulated using light-touch, with regulation following innovation. This work, however, proposes an approach based on the concept of really responsive regulation. This approach is best suited to embrace mobile money as it passes from the pre-financial inclusion to the post-financial inclusion phases of its evolution. This book will appeal to students and academics in the financial regulation field.

Download or read book Is Mobile Money Part of Money Understanding the Trends and Measurement written by Ms. Kazuko Shirono and published by International Monetary Fund. This book was released on 2021-07 with total page 41 pages. Available in PDF, EPUB and Kindle. Book excerpt: The rapid uptake of mobile money in recent years has generated new data needs and growing interest in understanding its impact on broad money. This paper reviews mobile money trends using mobile money data from the Financial Access Survey (FAS) and examines the statistical treatment of mobile money under the IMF’s Monetary and Financial Statistics (MFS) framework. MFS guidance is straightforward in most cases, as many jurisdictions have adopted regulations which ensure that mobile money is captured in the banking system and thus in the calculation of broad money. However, in cases where mobile network operators (MNOs) act as niche financial intermediaries outside the banking regulatory perimeter and are allowed to invest their customer funds in sovereign securities and other permitted assets, mobile money liabilities may remain outside the banking system as well as monetary statistics. In that case, information on mobile money liabilities need to be collected directly from MNOs to account for mobile money as part of broad money.

Download or read book Money Real Quick written by Tonny K. Omwansa and published by Anchor Books. This book was released on 2012 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt: Kenya's disruptive mobile money innovation. This book tells a tale of innovation, disruption, and transformation. Mobile money, e-money, e-float, e-wallets, mobile banking, however you characterise it, is not just a cool app. It's a killer app, the first for mobile phones in the developing world.

Download or read book The World Bank Research Observer written by and published by . This book was released on 2003 with total page 300 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Mobile Money Perception about Cash and Financial Inclusion Learning from Uganda s Micro Level Data written by Felix F. Simione and published by International Monetary Fund. This book was released on 2023-11-17 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt: Will mobile money render cash less dominant over time in Africa? Can it promote financial inclusion? We shed light on these questions by exploring individual-level and nationally representative survey data for Uganda, a country in a region that pioneered mobile money in the world. We use the Propensity Score Matching method to robustly compare mobile money users and non-users across a range of indicators that capture individuals’ perceptions about cash, and the extent to which they remit, save, and borrow money. We present the first evidence that mobile money users, compared to non-users, are more likely to perceive cash as risky and less likely to prefer carrying large amounts of cash. We also confirm that mobile money users are more likely to receive and send remittances, save, and borrow. They also save and borrow larger amounts.

Download or read book Mobile Money Machine written by Thomas H. Johnson and published by CreateSpace. This book was released on 2014-12-21 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt: How to Use Your Smartphone to Make REAL MONEY NOW!More than a billion people globally have a Smartphone in their hands today. How many of them see this powerful device as a source of revenue versus just another expense? How many are using their phones to make extra profits around the clock and around the globe? Everybody, regardless of their current job or lifestyle has free time throughout their day. How would you like to fill that free time with money making opportunities? How about making money every day for things you do every day?There are countless opportunities to use your Smartphone to gain a strategic advantage in almost everything you do, and with every transaction you execute. I will teach you how to rethink your day to day spending for the things you need in your life, not only to reduce your costs, but also how to profit from it and to create a new self sustaining investment account. I will share my three essential strategies for both buying things you need; as well as, for selling things you don't. Further, I will show you how to "fill in the gaps" of time that you have in your day to make that extra money that will really add up at the end of the month.Key Topics Covered:* 3 essential strategies that will shape your thinking about transactions* Over a dozen powerful buying/selling apps to load on your Smartphone* Proven revenue generating ideas that leverage the mobile Internet* Fill the gaps with "Micro-Consulting"* Building your own digital storefront* Paid online "niche" surveys* How to position yourself to profit from the growing mobile world* Learn about being a "Virtual Assistant"* How to automate your life* The International scene* Other neat little tips and tricks to grab some quick cash!The only earning limits that you have are the ones that you impose upon yourself! There are so many strategies and ideas in this book that you will not be able to do them all. Find the ones that complement your lifestyle and implement them to the fullest to get the most value. Just one idea will easily pay for your investment of both time and money in this book. I hope you will enjoy reading this book as much as I did writing it. I thrive on finding new ways to continue to leverage my investment in my Smartphone. Every day brings a new adventure!

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 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.

Download or read book Information and Communications for Development 2012 written by World Bank and published by World Bank Publications. This book was released on 2012-08-01 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt: Assessing what has worked, what hasn't, and why, this triennial report is an invaluable guide for understanding how to capture the benefits of information and communication technology around the world. This year's report focuses on mobile applications.

Download or read book United Republic of Tanzania written by International Monetary Fund. African Dept. and published by International Monetary Fund. This book was released on 2016-07-27 with total page 57 pages. Available in PDF, EPUB and Kindle. Book excerpt: This Selected Issues paper analyzes the financial sector in Tanzania. The Tanzanian financial system has a number of characteristics commonly seen in other low-income countries. The system is relatively small, dominated by banks, and has not been particularly inclusive. Costs related to basic financial services have come down. However, in other areas, progress remains limited. Firms’ access to credit remains a problem, access to the financial infrastructure continues to lag, and market development remains at a low level. The banking system overall is well-capitalized and reasonably profitable, but there is considerable variation among bank categories.

Download or read book HSBC s Guide to Cash and Treasury Management in Asia Pacific 2008 English written by and published by PPP Company Ltd. This book was released on 2007 with total page 390 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Agricultural Development in Asia and Africa written by Jonna P. Estudillo and published by Springer Nature. This book was released on 2023 with total page 397 pages. Available in PDF, EPUB and Kindle. Book excerpt: This Open Access book explores the multifaceted nature of agricultural and rural development in Asia and examines the extent to which the Asian experience is being replicated in contemporary Africa. This volume compiles the works of top scholars who provided analyses and evidences from household-level surveys collected for many years in several parts of Asia and Africa. The most important finding presented in this book is that African agricultural development has evolved following the pathways of Asian agricultural development. The common pathways are borrowed technology from abroad and adaptive research in rice farming; secured property rights on natural resources; adoption of ICTs; investments in human capital, including training; and launching of the high-value agriculture. In both continents, agricultural development started in the crop sector, which had a strong tendency to induce the dynamic development of other sectors in rural areas. [Resumen de la editorial]

Download or read book Human Computer Interaction Users and Contexts of Use written by Masaaki Kurosu and published by Springer. This book was released on 2013-07-03 with total page 524 pages. Available in PDF, EPUB and Kindle. Book excerpt: The five-volume set LNCS 8004--8008 constitutes the refereed proceedings of the 15th International Conference on Human-Computer Interaction, HCII 2013, held in Las Vegas, NV, USA in July 2013. The total of 1666 papers and 303 posters presented at the HCII 2013 conferences was carefully reviewed and selected from 5210 submissions. These papers address the latest research and development efforts and highlight the human aspects of design and use of computing systems. The papers accepted for presentation thoroughly cover the entire field of human-computer Interaction, addressing major advances in knowledge and effective use of computers in a variety of application areas. This volume contains papers in the thematic area of human-computer interaction, addressing the following major topics: identity, privacy and trust; user studies; interaction for society and community; HCI for business and innovation.

Download or read book WTO Domestic Regulation and Services Trade written by Aik Hoe Lim and published by Cambridge University Press. This book was released on 2014-03-13 with total page 395 pages. Available in PDF, EPUB and Kindle. Book excerpt: Domestic regulation of services sectors has a significant impact on services trade liberalization, which is why General Agreement on Trade in Services (GATS) disciplines are negotiated in the WTO. With the help of analyses and case-studies from academics, regulators and trade experts, this book explores the scope and limits of WTO legal principles to promote domestic regulatory reform. Case-studies discuss country-specific challenges and experiences of regulating important service sectors, such as finance, telecommunications, distribution, legal, education, health, postal and logistics services, as well as the role of regulatory impact assessments. The findings will interest trade officials, policy-makers, regulators, think tanks and businesses concerned with the implications of domestic regulation on access to services markets, and with the opportunities for formulating trade disciplines in this area. It is also a useful resource for academics and students researching regulatory approaches and practices in services sectors.

Download or read book Empirical Studies of an Internet and Service Based Economy written by Nabaz T. Khayyat and published by Springer Nature. This book was released on 2023-07-07 with total page 414 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is a collection of eight studies covering several areas pertinent to the current technological and banking services situation in the Kurdistan region of Iraq. The economy of the Kurdistan Region of Iraq (KRI) is mainly dependent on oil revenue. The oil export revenue constitutes more than 90% of the government’s fiscal revenue. In addition to that, the public sector plays an excessive role in the economy, with public spending to GDP being over 70% while revenue from taxation constitutes less than 30% of total revenue. As the economy is not diversified, there is a large gap between demand and supply of locally produced tradeable goods, leaving the KRI economy highly dependent on imports. Another structural challenge of the KRI economy is its dependence on cash and a weekly financial system. Although the region has witnessed extraordinary economic growth from 2008 to 2014, the growth rate decreased from 8 to 1 percent, trade and investment dropped to 5 percent, and the unemployment rate significantly increased to over 20% by the end of the year 2019. To maintain the progress of economic development, it is necessary to upgrade the country’s industrial structure in order to be able to generate more value-added products, which requires advancement in technological infrastructure to employ more sophisticated technologies. There is not much written about Kurdistan and its economy, and yet there is a comprehensive development plan and resources to be used for education, research, rehabilitation, development, and reconstruction. As such, this book would be of interest to researchers, decision-makers, governmental and non-governmental organizations, undergraduate and graduate students, and the general public with an interest in the Middle East and contemporary Kurdish issues. It is a good up-to-date handbook for policymakers and NGOs involved in the rehabilitation, reconstruction, and development of Iraq.

Download or read book Financial Inclusion and Digital Transformation Regulatory Practices in Selected SADC Countries written by Howard Chitimira and published by Springer Nature. This book was released on 2023-03-28 with total page 379 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book investigates the regulation and promotion of financial inclusion and provides a comparative analysis of the regulation, promotion and enforcement of the relevant laws in the SADC (in particular, South Africa, Namibia, Botswana and Zimbabwe), as well as the challenges of financial inclusion. In turn, it evaluates financial inclusion in the context of specific challenges faced by unbanked and underbanked customers, who are easy targets for cyber criminals because they tend to have lower levels of digital literacy. The book presents novel discussions that identify the challenges and flaws associated with the enforcement of financial inclusion laws and related measures intended to promote financial inclusion in the SADC region. This is primarily done in order to reveal the current strengths and weaknesses of financial inclusion laws in relation to certain aspects of the companies, securities and financial markets in the region. For example, there is no common financial inclusion instrument/law that is effectively and uniformly applied throughout the SADC. This has impeded the enforcement authorities’ efforts to effectively combat financial exclusion across the region.The book is likely the most comprehensive study to date on the regulation and promotion of financial inclusion in the SADC region and fills a major gap in SADC and African legal jurisprudence. As such, it offers a valuable asset for policymakers, attorneys, bankers, securities (share) holders, and other market participants who deal with financial inclusion, as well as undergraduate and graduate students interested in the topic.