Digital Financial Inclusion
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The Exclusionary Politics Of Digital Financial Inclusion
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Author : Serena Natile
language : en
Publisher: Routledge
Release Date : 2020-01-20
The Exclusionary Politics Of Digital Financial Inclusion written by Serena Natile and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-01-20 with Political Science categories.
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.
Digital Finance And Inclusion In The Time Of Covid 19
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Author : Benni, N.
language : en
Publisher: Food & Agriculture Org.
Release Date : 2021-01-04
Digital Finance And Inclusion In The Time Of Covid 19 written by Benni, N. and has been published by Food & Agriculture Org. this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-01-04 with Technology & Engineering categories.
The COVID-19 pandemic has impacted digital financial inclusion trends across the world in many and complex ways. In developing and emerging contexts, this crisis also holds the potential to propel an unprecedented acceleration in the process of financial digitization and turn out to be a game-changer for digital financial inclusion. The aim of this study is to illustrate the opportunities and risks associated with the surge in uptake and use of digital financial service, providing ideas on how to leverage the paradigm changes affecting the overall approach and perspective towards digital financial services – on the part of various stakeholders – to advance financial inclusion and development. It also seeks to showcase how digital financial services have been used – in both traditional and innovative ways – to mitigate the impact of the COVID-19 crisis on economies and societies, by both public and private actors.
Is Digital Financial Inclusion Unlocking Growth
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Author : Purva Khera
language : en
Publisher: International Monetary Fund
Release Date : 2021-06-11
Is Digital Financial Inclusion Unlocking Growth written by Purva Khera and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-06-11 with Business & Economics categories.
Digital financial services have been a key driver of financial inclusion in recent years. While there is evidence that financial inclusion through traditional services has a positive impact on economic growth, do the same results carry over for digital financial inclusion? What drives digital financial inclusion? Why does it advance more in some countries but not in others? Using new indices of financial inclusion developed in Khera et. al. (2021), this paper addresses these questions for 52 developing countries. Using cross-sectional instrument variable procedure, we find that the exogenous component of digital financial inclusion is positively associated with growth in GDP per capita during 2011-2018, which suggests that digital financial inclusion can accelerate economic growth. Fractional logit and random effects empirical estimation identifies access to infrastructure, financial and digital literacy, and quality of institutions as key drivers of digital financial inclusion. These findings are then used to help inform policy recommendations in areas related to the digitization of financial services to promote financial inclusion.
The Global Findex Database 2017
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Author : Asli Demirguc-Kunt
language : en
Publisher: World Bank Publications
Release Date : 2018-04-19
The Global Findex Database 2017 written by Asli Demirguc-Kunt and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-04-19 with Business & Economics categories.
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.
Digital Financial Inclusion
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Author : Peter Goldfinch
language : en
Publisher: Routledge
Release Date : 2024
Digital Financial Inclusion written by Peter Goldfinch and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2024 with Business & Economics categories.
"With the arrival of the 'Internet of Things', (IoT), smartphones, real-time payments systems, plus FinTech activity, financial inclusion services can now be integrated into a country's National Payment System, (NPS), which means there should be no systemic barriers to transitioning the socioeconomic pyramid, as actors build their financial status. This, however, is not the case. This book is a comprehensive guide to understanding the transition of financial services from cash-based to digital-based systems, with a focus on financial inclusion. It explores the success of financial inclusion programs in promoting economic activity and lifting people out of poverty. It does not concentrate on a single deployment or approach, rather, it takes a broader view. The book surveys the technology and infrastructure required to build digital payment systems, as well as the regulatory and governance frameworks that enable their operation, however, the major focus is on the incorporation of these financial services within communities in order to deliver social outcomes. The book opens the conversation, proposing a new method of measuring financial inclusion. It takes a critical but constructive look at the field over the last 20+ years and discusses the key learnings. It examines the Kenya mobile money approach to financial inclusion, compared with the Indian bank lead approach, and delivers a broad-based plan on how the programs can be more effective in the future. Financial inclusion requires a pathway to progress, through a period of technology transformation. The foundation is provided by this book and the reader, on finishing it, will have a comprehensive appreciation of the subject matter"--
The Digital Financial Revolution In China
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Author : David Dollar
language : en
Publisher: Brookings Institution Press
Release Date : 2022-05-10
The Digital Financial Revolution In China written by David Dollar and has been published by Brookings Institution Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022-05-10 with Business & Economics categories.
Describes how China is in the lead in transforming finance for the digital age This book is the product of a joint research project between economists at the National School of Development, especially the affiliated Institute of Digital Finance, at Peking University and at the Brookings Institution. It investigates the impact of financial technology on job creation, income distribution, and consumer welfare in China. It also examines larger systemic issues such as monetary policy, stability of the banking sector, and international trade and payments.
Digital Financial Inclusion
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Author : David Mhlanga
language : en
Publisher: Springer Nature
Release Date : 2022-10-31
Digital Financial Inclusion written by David Mhlanga and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022-10-31 with Business & Economics categories.
This book is unique in that it challenges scholarly views on financial inclusion and poverty reduction while also relating financial inclusion and poverty reduction to the Fourth Industrial Revolution. The book deviates from the usual method of analyzing financial inclusion, which relies on bank accounts or microcredit as success criteria, and instead discusses how the Fourth Industrial Revolution is facilitating digital financial inclusion. With a five-fold goal, this book investigates both past and present readings and understandings of poverty and financial inclusion. To begin, it provides a thorough introduction to the Fourth Industrial Revolution and financial inclusion in the context of the Fourth Industrial Revolution. Second, the book dives quite extensively into the theories of financial inclusion in the context of the Fourth Industrial Revolution. Third, the book reconstructs the theory of financial inclusion, moving from traditional to digital financial inclusion, highlighting the role of digital financial inclusion in the transition from an informal financial money market to a formal financial system. The fourth goal is to evaluate the tools and effects of digital financial inclusion on poverty. Finally, it provides case studies of digital financial inclusion and the future of digital financial inclusion in emerging and developing countries. This book will be of interest to academics, students and practitioners in a range of disciplines, including finance, development economics, and consumer economics.
Digital Financial Services In The Pacific
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Author : Asian Development Bank
language : en
Publisher: Asian Development Bank
Release Date : 2016-03-01
Digital Financial Services In The Pacific written by Asian Development Bank and has been published by Asian Development Bank this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-03-01 with Business & Economics categories.
The challenging geography and poor infrastructure of many Pacific nations mean digital financial services (DFS) are a particularly effective means of enhancing financial inclusion in the region. However, a number of major challenges confront DFS in the Pacific, including the establishment of reliable agent networks and the building of sufficient consumer trust in DFS for it to become a viable payments channel. This report examines the current use of DFS in the Pacific, analyzes the issues that need to be addressed, and provides recommendations for increasing financial inclusion in the region. This publication was produced by the Pacific Private Sector Development Initiative, a regional technical assistance facility cofinanced by the Asian Development Bank (ADB), the Government of Australia and the New Zealand government.
Nigeria Fostering Financial Inclusion Through Digital Financial Services
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Author : Torsten Wezel
language : en
Publisher: International Monetary Fund
Release Date : 2023-03-06
Nigeria Fostering Financial Inclusion Through Digital Financial Services written by Torsten Wezel and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-03-06 with Business & Economics categories.
Financial inclusion in Nigeria has had undeniable successes, with the onboarding of residents to the banking sector consistently progressing. But the overall exclusion rates continue to exceed official targets, not least due to low financial literacy. Going forward, Nigeria’s financial inclusion strategy should more systematically leverage rapidly developing digital instruments. Uptake of digital financial services, notably mobile money, is still lower than in peer countries, and overcoming this would require improving digital financial literacy, upgrading digital infrastructure, and promoting incubation and sound practices of fintech firms. Nigeria’s CBDC also has an enabling potential if accompanied by a comprehensive package of supportive policies.
Handbook Of Blockchain Digital Finance And Inclusion Volume 1
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Author : David LEE Kuo Chuen
language : en
Publisher: Academic Press
Release Date : 2017-08-03
Handbook Of Blockchain Digital Finance And Inclusion Volume 1 written by David LEE Kuo Chuen and has been published by Academic Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-08-03 with Business & Economics categories.
Handbook of Blockchain, Digital Finance, and Inclusion, Volume 1: Cryptocurrency, FinTech, InsurTech, and Regulation explores recent advances in digital banking and cryptocurrency, emphasizing mobile technology and evolving uses of cryptocurrencies as financial assets. Contributors go beyond summaries of standard models to describe new banking business models that will be sustainable and will likely dictate the future of finance. The volume not only emphasizes the financial opportunities made possible by digital banking, such as financial inclusion and impact investing, but it also looks at engineering theories and developments that encourage innovation. Its ability to illuminate present potential and future possibilities make it a unique contribution to the literature. Explores recent advances in digital banking and cryptocurrency, emphasizing mobile technology and evolving uses of cryptocurrencies as financial assets Explains the practical consequences of both technologies and economics to readers who want to learn about subjects related to their specialties Encompasses alternative finance, financial inclusion, impact investing, decentralized consensus ledger and applied cryptography Provides the only advanced methodical summary of these subjects available today