Digital Finance And Inclusion In The Time Of Covid 19

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Digital finance and inclusion in the time of COVID-19

Benni, N.
Digital finance and inclusion in the time of COVID 19 Book PDF

Author : Benni, N.
Publisher : Food & Agriculture Org.
Page : 94 pages
File Size : 51,5 Mb
Release : 2021-01-04
Category : Technology & Engineering
ISBN : 9789251336236

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Digital finance and inclusion in the time of COVID-19 by Benni, N. Pdf

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.

The Promise of Fintech

Ms.Ratna Sahay,Mr.Ulric Eriksson von Allmen,Ms.Amina Lahreche,Purva Khera,Ms.Sumiko Ogawa,Majid Bazarbash,Ms.Kimberly Beaton
The Promise of Fintech Book PDF

Author : Ms.Ratna Sahay,Mr.Ulric Eriksson von Allmen,Ms.Amina Lahreche,Purva Khera,Ms.Sumiko Ogawa,Majid Bazarbash,Ms.Kimberly Beaton
Publisher : International Monetary Fund
Page : 83 pages
File Size : 41,5 Mb
Release : 2020-07-01
Category : Business & Economics
ISBN : 9781513512242

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The Promise of Fintech by Ms.Ratna Sahay,Mr.Ulric Eriksson von Allmen,Ms.Amina Lahreche,Purva Khera,Ms.Sumiko Ogawa,Majid Bazarbash,Ms.Kimberly Beaton Pdf

Technology is changing the landscape of the financial sector, increasing access to financial services in profound ways. These changes have been in motion for several years, affecting nearly all countries in the world. During the COVID-19 pandemic, technology has created new opportunities for digital financial services to accelerate and enhance financial inclusion, amid social distancing and containment measures. At the same time, the risks emerging prior to COVID-19, as digital financial services developed, are becoming even more relevant.

Digital Banking Support to Small Businesses Amid COVID-19

Tao Sun
Digital Banking Support to Small Businesses Amid COVID 19 Book PDF

Author : Tao Sun
Publisher : International Monetary Fund
Page : 16 pages
File Size : 50,9 Mb
Release : 2021-06-29
Category : Business & Economics
ISBN : 9781513585192

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Digital Banking Support to Small Businesses Amid COVID-19 by Tao Sun Pdf

This note analyzes the economic impact of digital lending to micro and small sized enterprises (MSEs) in China during the coronavirus disease (COVID-19) pandemic. A preliminary analysis of a large pool of MSEs served by a digital bank indicates that digital banks were able to remotely evaluate borrowers and sustain lending during the pandemic, thereby facilitating the business continuity, sales growth, and financial inclusiveness of MSEs. In the global context, a policy framework—leveraging the advantages of digital banks and empowering digital banks, while guarding against possible financial stability risks—would further support small businesses during and after the COVID-19 pandemic.

The Global Findex Database 2017

Asli Demirguc-Kunt,Leora Klapper,Dorothe Singer,Saniya Ansar
The Global Findex Database 2017 Book PDF

Author : Asli Demirguc-Kunt,Leora Klapper,Dorothe Singer,Saniya Ansar
Publisher : World Bank Publications
Page : 148 pages
File Size : 42,5 Mb
Release : 2018-04-19
Category : Business & Economics
ISBN : 9781464812682

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The Global Findex Database 2017 by Asli Demirguc-Kunt,Leora Klapper,Dorothe Singer,Saniya Ansar Pdf

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.

Is Digital Financial Inclusion Unlocking Growth?

Purva Khera,Miss Stephanie Y Ng,Ms. Sumiko Ogawa,Ms. Ratna Sahay
Is Digital Financial Inclusion Unlocking Growth Book PDF

Author : Purva Khera,Miss Stephanie Y Ng,Ms. Sumiko Ogawa,Ms. Ratna Sahay
Publisher : International Monetary Fund
Page : 30 pages
File Size : 53,6 Mb
Release : 2021-06-11
Category : Business & Economics
ISBN : 9781513584669

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Is Digital Financial Inclusion Unlocking Growth? by Purva Khera,Miss Stephanie Y Ng,Ms. Sumiko Ogawa,Ms. Ratna Sahay Pdf

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.

Reimagining Innovation Systems in the COVID and Post-COVID World

Lakhwinder Singh,K J Joseph
Reimagining Innovation Systems in the COVID and Post COVID World Book PDF

Author : Lakhwinder Singh,K J Joseph
Publisher : Taylor & Francis
Page : 305 pages
File Size : 51,8 Mb
Release : 2023-12-01
Category : Business & Economics
ISBN : 9781003813477

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Reimagining Innovation Systems in the COVID and Post-COVID World by Lakhwinder Singh,K J Joseph Pdf

Countries around the world are working to counter the devastating effects of the COVID-19 pandemic on their healthcare systems, economies, and industries. This book brings together strategies for the adoption of new technologies and innovation systems which would help re-invigorate social and economic institutions and help communities, especially in the Global South. The book focuses on innovation systems that address health and socioeconomic inequalities in countries such as India, Africa, Brazil, Costa Rica, and others. It looks into the responses of different countries to the shocks inflicted on the economy and health systems by the pandemic from the perspective of government institutions as well as businesses, industries, and communities. The pandemic forced many organizations to embrace various innovative strategies to contain the spread of COVID-19 and ameliorate the lives of people including employees, people from marginalized communities, and low-income groups who have suffered due to the disease. The chapters in this book study innovative interventions and community-based measures which reached many people and paved the way for policies which helped rebuild communities sustainably. The volume also analyses how these newly created and streamlined health and economic innovation systems will be carried forward in the post-COVID-19 world to address weaknesses in health and governance and address inequalities, especially for countries in the Global South. This book will be of interest to scholars and students of economics, political economy, health and economics, development studies, public policy, and sociology.

The Global Findex Database 2021

Asli Demirgüç-Kunt,Leora Klapper,Dorothe Singer,Saniya Ansar
The Global Findex Database 2021 Book PDF

Author : Asli Demirgüç-Kunt,Leora Klapper,Dorothe Singer,Saniya Ansar
Publisher : World Bank Publications
Page : 304 pages
File Size : 41,7 Mb
Release : 2022-10-13
Category : Business & Economics
ISBN : 9781464818981

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The Global Findex Database 2021 by Asli Demirgüç-Kunt,Leora Klapper,Dorothe Singer,Saniya Ansar Pdf

The fourth edition of the Global Findex offers a lens into how people accessed and used financial services during the COVID-19 pandemic, when mobility restrictions and health policies drove increased demand for digital services of all kinds. The Global Findex is the world’s most comprehensive database on financial inclusion. It is also the only global demand-side data source allowing for global and regional cross-country analysis to provide a rigorous and multidimensional picture of how adults save, borrow, make payments, and manage financial risks. Global Findex 2021 data were collected from national representative surveys of about 128,000 adults in more than 120 economies. The latest edition follows the 2011, 2014, and 2017 editions, and it includes a number of new series measuring financial health and resilience and contains more granular data on digital payment adoption, including merchant and government payments. The Global Findex is an indispensable resource for financial service practitioners, policy makers, researchers, and development professionals.

Green Digital Finance and Sustainable Development Goals

Farhad Taghizadeh-Hesary,Suk Hyun
Green Digital Finance and Sustainable Development Goals Book PDF

Author : Farhad Taghizadeh-Hesary,Suk Hyun
Publisher : Springer Nature
Page : 373 pages
File Size : 45,6 Mb
Release : 2022-07-01
Category : Business & Economics
ISBN : 9789811926624

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Green Digital Finance and Sustainable Development Goals by Farhad Taghizadeh-Hesary,Suk Hyun Pdf

This book aims to fill the literature gap on digital instruments and FinTech in enhancing green finance. ​Technological innovation can increase transparency, accountability, and speed, decentralize the financial system, improve risk management, increase competition, lower costs, improve efficiency, increase cross-sectoral collaboration and integration, and scale up green finance. Artificial intelligence (AI), distributed ledger technologies (DLT) or blockchain, peer-to-peer lending platforms, big data, Internet-based and mobile-based payment platforms, Internet of Things (IoT), matchmaking platforms including crowdlending, tokenizing green assets are potential means to scale up the green finance for achieving the SDGs. The COVID-19 pandemic, the economic downturns, and the uncertainties shrank the new investments in renewable energy projects globally. Low investment in renewable energy projects could threaten the expansion of green energy needed to provide energy security and meet SDG7 and SDG13. Investments in renewable energy projects are scarce because of several risks and a low rate of return. Although several new green financing solutions such as green bonds, green banks, green credit guarantee, carbon taxation, carbon trade, village funds, and community trust funds have been established in different countries, these are insufficient, and alternative ways to finance projects are required. The book provides several high-quality studies on utilizing digitalization, FinTech, financial innovations, and other new technologies to fill the finance gap of green projects to meet the SDG goals. The chapters are written by scholars in diverse countries and regions and include practical policy recommendations.

Fintech and Financial Inclusion in Latin America and the Caribbean

Mr. Dmitry Gershenson,Frederic Lambert,Luis Herrera,Grey Ramos,Mrs. Marina V Rousset,Jose Torres
Fintech and Financial Inclusion in Latin America and the Caribbean Book PDF

Author : Mr. Dmitry Gershenson,Frederic Lambert,Luis Herrera,Grey Ramos,Mrs. Marina V Rousset,Jose Torres
Publisher : International Monetary Fund
Page : 77 pages
File Size : 43,9 Mb
Release : 2021-08-20
Category : Business & Economics
ISBN : 9781513592237

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Fintech and Financial Inclusion in Latin America and the Caribbean by Mr. Dmitry Gershenson,Frederic Lambert,Luis Herrera,Grey Ramos,Mrs. Marina V Rousset,Jose Torres Pdf

Despite some improvement since 2011, Latin America and the Caribbean continue to lag behind other regions in terms of financial inclusion. There is no clear evidence that fintech developments have supported greater financial inclusion in LAC, contrary to what has been observed elsewhere in the world. Case studies by national policy experts suggest that barriers to entry in the financial sector, along with a constraining regulatory environment, may have hindered a faster adoption of fintech. However, fintech development seems to have accelerated in the wake of the COVID-19 pandemic and with the support of recent policy initiatives.

Powering the Digital Economy: Opportunities and Risks of Artificial Intelligence in Finance

El Bachir Boukherouaa,Mr. Ghiath Shabsigh,Khaled AlAjmi,Jose Deodoro,Aquiles Farias,Ebru S Iskender,Mr. Alin T Mirestean,Rangachary Ravikumar
Powering the Digital Economy Opportunities and Risks of Artificial Intelligence in Finance Book PDF

Author : El Bachir Boukherouaa,Mr. Ghiath Shabsigh,Khaled AlAjmi,Jose Deodoro,Aquiles Farias,Ebru S Iskender,Mr. Alin T Mirestean,Rangachary Ravikumar
Publisher : International Monetary Fund
Page : 35 pages
File Size : 40,7 Mb
Release : 2021-10-22
Category : Business & Economics
ISBN : 9781589063952

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Powering the Digital Economy: Opportunities and Risks of Artificial Intelligence in Finance by El Bachir Boukherouaa,Mr. Ghiath Shabsigh,Khaled AlAjmi,Jose Deodoro,Aquiles Farias,Ebru S Iskender,Mr. Alin T Mirestean,Rangachary Ravikumar Pdf

This paper discusses the impact of the rapid adoption of artificial intelligence (AI) and machine learning (ML) in the financial sector. It highlights the benefits these technologies bring in terms of financial deepening and efficiency, while raising concerns about its potential in widening the digital divide between advanced and developing economies. The paper advances the discussion on the impact of this technology by distilling and categorizing the unique risks that it could pose to the integrity and stability of the financial system, policy challenges, and potential regulatory approaches. The evolving nature of this technology and its application in finance means that the full extent of its strengths and weaknesses is yet to be fully understood. Given the risk of unexpected pitfalls, countries will need to strengthen prudential oversight.

Banking the World

Robert Cull,Asli Demirguc-Kunt,Jonathan Morduch
Banking the World Book PDF

Author : Robert Cull,Asli Demirguc-Kunt,Jonathan Morduch
Publisher : MIT Press
Page : 519 pages
File Size : 44,8 Mb
Release : 2021-08-03
Category : Business & Economics
ISBN : 9780262544016

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Banking the World by Robert Cull,Asli Demirguc-Kunt,Jonathan Morduch Pdf

Experts report on the latest research on extending access to financial services to the 2.5 billion adults around the world who lack it. About 2.5 billion adults, just over half the world's adult population, lack bank accounts. If we are to realize the goal of extending banking and other financial services to this vast “unbanked” population, we need to consider not only such product innovations as microfinance and mobile banking but also issues of data accuracy, impact assessment, risk mitigation, technology adaptation, financial literacy, and local context. In Banking the World, experts take up these topics, reporting on new research that will guide both policy makers and scholars in a broader push to extend financial markets. The contributors consider such topics as the complexity of surveying people about their use of financial services; evidence of the impact of financial services on income; the occasional negative effects of financial services on poor households, including disincentives to work and overindebtedness; and tools for improving access such as nontraditional credit scores, financial incentives for banking, and identification technologies that can dramatically reduce loan default rates.

New Topics in Emerging Markets

Anonim
New Topics in Emerging Markets Book PDF

Author : Anonim
Publisher : BoD – Books on Demand
Page : 332 pages
File Size : 41,7 Mb
Release : 2024-01-24
Category : Business & Economics
ISBN : 9781837691326

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New Topics in Emerging Markets by Anonim Pdf

Unlock the future of global economics and business with New Topics in Emerging Markets. This captivating edited volume is your gateway to understanding the dynamic forces shaping economies on the rise. Delve into critical themes like financial resilience in times of crisis, the impact of technology in Sub-Saharan Africa, the evolving landscape of education in the metaverse, and much more. With diverse insights from leading minds, this book explores the intricacies of banking, innovation ecosystems, leadership in sports, and the ever-changing realm of e-commerce in a Web3 world. Gain a deeper understanding of emerging markets and their pivotal role in the global landscape. Whether you are a seasoned expert or just starting your journey in economics and business, this book offers a thought-provoking and accessible exploration of the challenges and opportunities that define the future. Don’t miss your chance to stay ahead of the curve – grab your copy today and embark on a journey into the heart of emerging markets.

Finance in Africa

European Investment Bank
Finance in Africa Book PDF

Author : European Investment Bank
Publisher : European Investment Bank
Page : 281 pages
File Size : 54,9 Mb
Release : 2021-11-23
Category : Business & Economics
ISBN : 9789286150647

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Finance in Africa by European Investment Bank Pdf

Africa's recovery from the COVID-19 crisis will depend on private firms sustaining and creating jobs. But even previously thriving enterprises have been badly hit by the crisis. This report outlines the consequences of the health crisis in Africa, the potential cost of the recovery and the willingness of banks to support green investments as they look to the future.

Data Science and Communication

João Manuel R. S. Tavares,Joel J. P. C. Rodrigues,Debajyoti Misra,Debasmriti Bhattacherjee
Data Science and Communication Book PDF

Author : João Manuel R. S. Tavares,Joel J. P. C. Rodrigues,Debajyoti Misra,Debasmriti Bhattacherjee
Publisher : Springer Nature
Page : 813 pages
File Size : 45,6 Mb
Release : 2024-01-02
Category : Technology & Engineering
ISBN : 9789819954353

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Data Science and Communication by João Manuel R. S. Tavares,Joel J. P. C. Rodrigues,Debajyoti Misra,Debasmriti Bhattacherjee Pdf

The book presents selected papers from the International Conference on Data Science and Communication (ICTDsC 2023) organized by the Department of Electronics and Communication Engineering and Department of Engineering Science and Humanities (DESH) Siliguri Institute of Technology, India during 23 – 24 March 2023 in Siliguri, India. The book covers state-of-the-art research insights on artificial intelligence, machine learning, big data, data analytics, cyber security and forensic, network and mobile security, advanced computing, cloud computing, quantum computing, electronics system, Internet of Things, robotics and automations, blockchain and software technology, and digital technologies for future.

FinTech Development for Financial Inclusiveness

Anshari, Muhammad,Almunawar, Mohamad Nabil,Masri, Masairol
FinTech Development for Financial Inclusiveness Book PDF

Author : Anshari, Muhammad,Almunawar, Mohamad Nabil,Masri, Masairol
Publisher : IGI Global
Page : 269 pages
File Size : 41,7 Mb
Release : 2021-11-26
Category : Business & Economics
ISBN : 9781799884491

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FinTech Development for Financial Inclusiveness by Anshari, Muhammad,Almunawar, Mohamad Nabil,Masri, Masairol Pdf

Financial technology (FinTech) and its related products are considered a major disruptive innovation in financial services, substantially elevating financial solutions and new business models. Resulting from the fusion of finance and smart mobile technology, this innovative technology requires additional investigation into its adoption, challenges, opportunities, and future directions so that we may understand and develop the technology to its full potential. FinTech Development for Financial Inclusiveness moves beyond the theoretical areas of FinTech to comprehensively explore the recent FinTech initiative scenarios with respect to processes, strategies, challenges, lessons learned, and outcomes within economic development as well as trade and investment. Covering a range of topics such as decentralized finance and global electronic commerce, it is ideal for industry professionals, business owners, consultants, practitioners, instructors, researchers, academicians, and students.