Financial Innovation For An Aging World
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Financial Innovation For An Aging World
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Author : Olivia S. Mitchell
language : en
Publisher:
Release Date : 2006
Financial Innovation For An Aging World written by Olivia S. Mitchell and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006 with Aging categories.
Over the last half-century, around the world, many nations have seen plummeting fertility rates and mounting life expectancies. These two factors are the engine behind unprecedented global aging. In this paper, we explore how the demographic transition may influence financial markets and, in turn, how financial market innovation might help resolve concerns flowing from global aging trends. We first provide context by reviewing the economics, finance, and insurance-related literature on how global aging patterns may influence capital markets. We then turn to insurance markets, and discuss a range of products and policies, including both retail and wholesale financial offerings for various forms of life annuities, long-term care benefits, reverse mortgages, securitization of longevity risk, inflation-protected assets, reinsurance, guarantees, derivative contracts on residential property price indices, mortality swaps and longevity derivative contracts. We also indicate how new public-private partnerships might be beneficial in enhancing the future environment for old-age risk management.
The Demographics Of Innovation
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Author : James Liang
language : en
Publisher: John Wiley & Sons
Release Date : 2018-02-20
The Demographics Of Innovation written by James Liang and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-02-20 with Business & Economics categories.
As the population ages, which nation will rise to lead innovation in the future? Demographics of Innovation takes a deep, investigative look at the link between economic growth, innovation, vitality and entrepreneurship in an aging population, and provides smart strategy for the future. Written by a Stanford-trained economist and demographics expert, who is also a prominent internet entrepreneur, this book examines demographic trends across nations and digs into the divergence to find awakening innovation. An aging population hampers growth; while many are focused on the care-related financial burden, few have fully explored the ways in which a seismic demographic shift could transform the face of global business. This book charts the trends, connects the dots and reveals which nations will be best placed to build an innovation economy and grow in the future. Global business is set to undergo a revolution as aging populations mired in old thinking become left behind by younger, brighter, more forward-looking generations. Innovation loss is the first step in stagnation, so the question becomes: who will win and who will lose in this new world order? This book presents clear analysis of the coming demographic bomb, and proposes insightful strategy for the short and long term. Delve into the aging of society and the economic issues it creates Learn how shifting demographics affects innovation and prosperity Examine trends in growth, policy and more alongside the rise in average age Make smarter planning decisions in light of the changing population The problems of overpopulation pale in comparison to the problem of aging on a massive global scale. Demographics dictate growth rates, economic equilibrium, interest rates and so much more. Demographics of Innovation provides thought-provoking analysis and strategy for policy makers, business leaders, investors, entrepreneurs and everyone concerned about planning for an uncertain future.
Smart Money
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Author : Andrew Palmer
language : en
Publisher: Hachette UK
Release Date : 2015-04-14
Smart Money written by Andrew Palmer and has been published by Hachette UK this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-04-14 with Business & Economics categories.
Seven years after the financial crisis of 2008, financiers remain villains in the public mind. Most Americans believe that their irresponsible actions and complex financial products wrecked the economy and destroyed people's savings, and that bankers never adequately paid for their crimes. But as Economist journalist Andrew Palmer argues in Smart Money, this much maligned industry is not only capable of doing great good for society, but offers the most powerful means we have for solving some of our most intractable social problems. From Babylon to the present, the history of finance has always been one of powerful innovation. Now a new generation of financial entrepreneurs is working to revive this tradition of useful innovation, and Palmer shows why we need their ideas today more than ever. Traveling to the centers of finance across the world, Palmer introduces us to peer-to-peer lenders who are financing entrepreneurs the big banks won't bet on, creating opportunities where none existed. He explores the world of social-impact bonds, which fund programs for the impoverished and homeless, simultaneously easing the burden on national governments and producing better results. And he explores the idea of human-capital contracts, whereby investors fund the educations of cash-strapped young people in return for a percentage of their future earnings. In this far-ranging tour of the extraordinarily creative financial ideas of today and of the future, Smart Money offers an inspiring look at the new era of financial innovation that promises to benefit us all.
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.
Aging And The Macroeconomy
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Author : National Research Council
language : en
Publisher: National Academies Press
Release Date : 2013-01-10
Aging And The Macroeconomy written by National Research Council and has been published by National Academies Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-01-10 with Social Science categories.
The United States is in the midst of a major demographic shift. In the coming decades, people aged 65 and over will make up an increasingly large percentage of the population: The ratio of people aged 65+ to people aged 20-64 will rise by 80%. This shift is happening for two reasons: people are living longer, and many couples are choosing to have fewer children and to have those children somewhat later in life. The resulting demographic shift will present the nation with economic challenges, both to absorb the costs and to leverage the benefits of an aging population. Aging and the Macroeconomy: Long-Term Implications of an Older Population presents the fundamental factors driving the aging of the U.S. population, as well as its societal implications and likely long-term macroeconomic effects in a global context. The report finds that, while population aging does not pose an insurmountable challenge to the nation, it is imperative that sensible policies are implemented soon to allow companies and households to respond. It offers four practical approaches for preparing resources to support the future consumption of households and for adapting to the new economic landscape.
The Upside Of Aging
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Author : Paul Irving
language : en
Publisher: John Wiley & Sons
Release Date : 2014-04-21
The Upside Of Aging written by Paul Irving and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-04-21 with Business & Economics categories.
The Upside of Aging: How Long Life Is Changing the World of Health, Work, Innovation, Policy and Purpose explores a titanic shift that will alter every aspect of human existence, from the jobs we hold to the products we buy to the medical care we receive - an aging revolution underway across America and the world. Moving beyond the stereotypes of dependency and decline that have defined older age, The Upside of Aging reveals the vast opportunity and potential of this aging phenomenon, despite significant policy and societal challenges that must be addressed. The book’s chapter authors, all prominent thought-leaders, point to a reinvention and reimagination of our older years that have critical implications for people of all ages. With a positive call to action, the book illuminates the upside for health and wellness, work and volunteerism, economic growth, innovation and education. The authors, like the baby boom generation itself, posit new ways of thinking about aging, as longevity and declining birthrates put the world on track for a mature population of unprecedented size and significance. Among topics they examine are: The emotional intelligence and qualities of the aging brain that science is uncovering, “senior moments” notwithstanding. The new worlds of genomics, medicine and technology that are revolutionizing health care and wellness. The aging population’s massive impact on global markets, with enormous profit potential from an explosion in products and services geared toward mature consumers. New education paradigms to meet the needs and aspirations of older people, and to capitalize on their talents. The benefits that aging workers and entrepreneurs bring to companies, and the crucial role of older people in philanthropy and society. Tools and policies to facilitate financial security for longer and more purposeful lives. Infrastructure and housing changes to create livable cities for all ages, enabling “aging in place” and continuing civic contribution from millions of older adults. The opportunities and potential for intergenerational engagement and collaboration. The Upside of Aging defines a future that differs profoundly from the retirement dreams of our parents and grandparents, one that holds promise and power and bears the stamp of a generation that has changed every stage of life through which it has moved.
The Economics Of Aging
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Author : David A. Wise
language : en
Publisher: University of Chicago Press
Release Date : 2009-05-15
The Economics Of Aging written by David A. Wise and has been published by University of Chicago Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009-05-15 with Political Science categories.
The Economics of Aging presents results from an ongoing National Bureau of Economic Research project. Contributors consider the housing mobility and living arrangements of the elderly, their labor force participation and retirement, the economics of their health care, and their financial status. The goal of the research is to further our understanding both of the factors that determine the well-being of the elderly and of the consequences that follow from an increasingly older population with longer individual life spans. Each paper is accompanied by critical commentary.
Co Creating Digital Public Services For An Ageing Society
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Author : Juliane Jarke
language : en
Publisher: Springer Nature
Release Date : 2020-09-14
Co Creating Digital Public Services For An Ageing Society written by Juliane Jarke and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-09-14 with Law categories.
This open access book attends to the co-creation of digital public services for ageing societies. Increasingly public services are provided in digital form; their uptake however remains well below expectations. In particular, amongst older adults the need for public services is high, while at the same time the uptake of digital services is lower than the population average. One of the reasons is that many digital public services (or e-services) do not respond well to the life worlds, use contexts and use practices of its target audiences. This book argues that when older adults are involved in the process of identifying, conceptualising, and designing digital public services, these services become more relevant and meaningful. The book describes and compares three co-creation projects that were conducted in two European cities, Bremen and Zaragoza, as part of a larger EU-funded innovation project. The first part of the book traces the origins of co-creation to three distinct domains, in which co-creation has become an equally important approach with different understandings of what it is and entails: (1) the co-production of public services, (2) the co-design of information systems and (3) the civic use of open data. The second part of the book analyses how decisions about a co-creation project’s governance structure, its scope of action, its choice of methods, its alignment with strategic policies and its embedding in existing public information infrastructures impact on the process and its results. The final part of the book identifies key challenges to co-creation and provides a more general assessment of what co-creation may achieve, where the most promising areas of application may be and where it probably does not match with the contingent requirements of digital public services. Contributing to current discourses on digital citizenship in ageing societies and user-centric design, this book is useful for researchers and practitioners interested in co-creation, public sector innovation, open government, ageing and digital technologies, citizen engagement and civic participation in socio-technical innovation.
Innovation Killers
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Author : Clayton M. Christensen
language : en
Publisher: Harvard Business Review Press
Release Date : 2010-07-22
Innovation Killers written by Clayton M. Christensen and has been published by Harvard Business Review Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-07-22 with Business & Economics categories.
In this seminal article, innovation experts Clayton Christensen, Stephen P. Kaufman, and Willy C. Shih explore the key reasons why companies struggle to innovate. The authors uncover common mistakes companies make—from focusing on the wrong customers to choosing the wrong products to develop—that can derail innovation efforts, and offer a better way forward for management teams who want to avoid these obstacles and get innovation right. Since 1922, Harvard Business Review has been a leading source of breakthrough ideas in management practice. The Harvard Business Review Classics series now offers you the opportunity to make these seminal pieces a part of your permanent management library. Each highly readable volume contains a groundbreaking idea that continues to shape best practices and inspire countless managers around the world.
Blockchain Economics And Financial Market Innovation
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Author : Umit Hacioglu
language : en
Publisher: Springer Nature
Release Date : 2019-12-03
Blockchain Economics And Financial Market Innovation written by Umit Hacioglu and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-12-03 with Business & Economics categories.
This book discusses various aspects of blockchains in economic systems and investment strategies in crypto markets. It first addresses the topic from a conceptual and theoretical point of view, and then analyzes it from an assessment and investment angle. Further, it examines the opportunities and limitations of the taxation of crypto currency, as well as the political implications, such as regulation of speculation with crypto currencies. The book is intended for academicians and students in the fields of economics and finance.