Mobile Financial Services

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Marketing and Mobile Financial Services

Aijaz A. Shaikh,Heikki Karjaluoto
Marketing and Mobile Financial Services Book PDF

Author : Aijaz A. Shaikh,Heikki Karjaluoto
Publisher : Routledge
Page : 286 pages
File Size : 40,6 Mb
Release : 2018-12-21
Category : Business & Economics
ISBN : 9781351174442

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Marketing and Mobile Financial Services by Aijaz A. Shaikh,Heikki Karjaluoto Pdf

Mobile financial services (MFS) are of major interest and importance to both researchers and practitioners. The role played by nonbanking actors including telecoms and FinTech firms as well as other participants, such as PayPal and Amazon, in developing and deploying innovative financial and payment services is undeniable. Peer2peer (P2P) payments from nonbank services are becoming increasingly commonplace and will shortly be codified by EC (EU?) regulations requiring banks to provide access to consumer data for third-party app developers and service providers. Three major mobile financial systems—mobile banking, mobile payments, and branchless banking—currently dominate the electronic retail banking sector. Although interconnected and interrelated, their business models, regulatory frameworks, and target markets are distinct. This book provides a unified perspective on MFS and discusses its evolution, growth, and future, as well as identifying the frameworks, stakeholders, and technologies used in financial information systems in general and MFS in particular. Academics and researchers in digital and financial marketing will find this book an invaluable resource, as will bank executives, regulators, policy makers, FinTech professionals, and anyone interested in how mobile technology, social media and financial services will increasingly intersect.

The Power of Mobile Banking

Sankar Krishnan
The Power of Mobile Banking Book PDF

Author : Sankar Krishnan
Publisher : John Wiley & Sons
Page : 192 pages
File Size : 53,9 Mb
Release : 2014-05-19
Category : Business & Economics
ISBN : 9781118914243

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The Power of Mobile Banking by Sankar Krishnan Pdf

Today's tech-savvy consumers are demanding a more personal customer experience from their banks, and banks are discovering that mobile services deliver individualized, tailored experiences better than any other technology. The Power of Mobile Banking: How to Profit from the Revolution in Retail Financial Services gives banking and financial professionals a well-researched guide for becoming transformational leaders. These leaders can convert their traditional retail "branch" banks into streamlined systems that deliver personalized services to their customers' laptops, tablets, and smartphones. Written by Sankar Krishnan—a career banker and noted financial services industry thought leader—The Power of Mobile Banking includes strategies for adapting mobile banking practices that suit the needs of both developed and emerging markets. Krishnan also shows how bankers can make their products and services relevant to a new generation of digital natives. Krishnan explores the expanding mobile payment systems that offer a wealth of financial opportunities for banking institutions and includes information on the growth of e-commerce, which holds the potential for new and profitable ways for banks to engage with consumers. The Power of Mobile Banking outlines the practical aspects of adapting to a mobile banking strategy and shows how to put the right players in place to ensure the technology works seamlessly. Once in place, a great mobile system delivers excellent service and benefits to users, as well as real value and unique features that cement customer loyalty. The book also offers advice for bankers who want to increase their bottom line by delving into the world-wide prepaid card market. Krishnan includes a discussion on the risks and hazards of mobile banking and reveals the critical investments that banks must be willing to make in order to avoid losing customers to telecoms, retailers, and technology providers. The time for retail banking to prepare for the new paradigm is now and The Power of Mobile Banking is the guide for professionals who want to adapt, evolve, and succeed in this new mobile-driven world.

Research Anthology on Concepts, Applications, and Challenges of FinTech

Management Association, Information Resources
Research Anthology on Concepts Applications and Challenges of FinTech Book PDF

Author : Management Association, Information Resources
Publisher : IGI Global
Page : 671 pages
File Size : 55,5 Mb
Release : 2021-02-05
Category : Business & Economics
ISBN : 9781799886037

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Research Anthology on Concepts, Applications, and Challenges of FinTech by Management Association, Information Resources Pdf

FinTech, an abbreviated term for financial technology, is a digital revolution changing the way banking and financial services are being used both by individuals and businesses. As these changes continue to take place, the financial industry is focused on technological innovation and feeding into this digital revolution to better serve consumers who are looking for easier ways to invest, transfer money, use banking services, and more. FinTech is increasing accessibility to financial services, automating these services, expanding financial options, and enabling online payments and banking. While the benefits are being continually seen and this technology is becoming more widely accepted, there are still challenges facing the technology that include security concerns. To understand FinTech and its role in society, both the benefits and challenges must be reviewed and discussed for a holistic view on the digital innovations changing the face of the financial industry. The Research Anthology on Concepts, Applications, and Challenges of FinTech covers the latest technologies in FinTech with a comprehensive view of the impact on the industry, where these technologies are implemented, how they are improving financial services, and the security applications and challenges being faced. The chapters cover the options FinTech has unlocked, such as mobile banking and virtual transactions, while also focusing on the workings of the technology itself and security applications, such as blockchain and cryptocurrency. This book is a valuable reference tool for accountants, bankers, financial planners, financial analysts, business managers, economists, computer scientists, academicians, researchers, financial professionals, and students.

Mobile Technologies and Socio-Economic Development in Emerging Nations

Mtenzi, Fredrick Japhet,Oreku, George S.,Lupiana, Dennis M.,Yonazi, Jim James
Mobile Technologies and Socio Economic Development in Emerging Nations Book PDF

Author : Mtenzi, Fredrick Japhet,Oreku, George S.,Lupiana, Dennis M.,Yonazi, Jim James
Publisher : IGI Global
Page : 366 pages
File Size : 52,5 Mb
Release : 2018-03-23
Category : Computers
ISBN : 9781522540304

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Mobile Technologies and Socio-Economic Development in Emerging Nations by Mtenzi, Fredrick Japhet,Oreku, George S.,Lupiana, Dennis M.,Yonazi, Jim James Pdf

As technology advances, mobile devices have become more affordable and useful to countries around the world. As a result, mobile evolution has become an essential part of economic and social advancement. Mobile Technologies and Socio-Economic Development in Emerging Nations provides emerging research on the role of mobile devices as an important aspect of social and economic growth in developing countries. While highlighting topics, such as device authentication, mobile data management, and sensor services, this book explores how mobile devices have evolved to become an extremely useful tool. This book is a vital resource for academicians, researchers, students, practitioners, politicians, and professionals seeking current research on the uses, applications, and advantages of mobile services in increasing economic growth.

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.

The Exclusionary Politics of Digital Financial Inclusion

Serena Natile
The Exclusionary Politics of Digital Financial Inclusion Book PDF

Author : Serena Natile
Publisher : Routledge
Page : 222 pages
File Size : 51,9 Mb
Release : 2020-01-20
Category : Political Science
ISBN : 9780429603778

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The Exclusionary Politics of Digital Financial Inclusion by Serena Natile Pdf

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.

Research Anthology on Personal Finance and Improving Financial Literacy

Management Association, Information Resources
Research Anthology on Personal Finance and Improving Financial Literacy Book PDF

Author : Management Association, Information Resources
Publisher : IGI Global
Page : 600 pages
File Size : 47,7 Mb
Release : 2020-12-05
Category : Business & Economics
ISBN : 9781799881018

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Research Anthology on Personal Finance and Improving Financial Literacy by Management Association, Information Resources Pdf

Developing personal financial skills and improving financial literacy are fundamental aspects for managing money and propelling a bright financial future. Considering life events and risks that unexpectantly present themselves, especially in the light of recent global events, there is often an uncertainty associated with financial standings in unsettled times. It is important to have personal finance management to prepare for times of crisis, and personal finance is something to be thought about in everyday life. The incorporation of financial literacy for individuals is essential for a decision-making process that could affect their financial future. Having a keen understanding of beneficial and detrimental financial decisions, a plan for personal finances, and personalized goals are baselines for money management that will create stability and prosperity. In a world that is rapidly digitalized, there are new tools and technologies that have entered the sphere of finance as well that should be integrated into the conversation. The latest methods and models for improving financial literacy along with critical information on budgeting, saving, and managing spending are essential topics in today’s world. The Research Anthology on Personal Finance and Improving Financial Literacy provides readers with the latest research and developments in how to improve, understand, and utilize personal finance methodologies or services and obtain critical financial literacy. The chapters within this essential reference work will cover personal finance technologies, banking, investing, budgeting, saving, and the best practices and techniques for optimal money management. This book is ideally designed for business managers, financial consultants, entrepreneurs, auditors, economists, accountants, academicians, researchers, and students seeking current research on modern advancements and recent findings in personal finance.

Mobile Banking

B. Nicoletti
Mobile Banking Book PDF

Author : B. Nicoletti
Publisher : Springer
Page : 288 pages
File Size : 40,9 Mb
Release : 2014-07-24
Category : Business & Economics
ISBN : 9781137386564

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Mobile Banking by B. Nicoletti Pdf

Mobile is impacting heavily on our society today. In this book, Nicoletti analyzes the application of mobile to the world of financial institutions. He considers future developments and the possible use of mobile to help the transformation in products, processes, organizations and business models of financial institutions globally.

The Regulation of Mobile Money

Sunduzwayo Madise
The Regulation of Mobile Money Book PDF

Author : Sunduzwayo Madise
Publisher : Springer
Page : 423 pages
File Size : 43,6 Mb
Release : 2019-03-26
Category : Business & Economics
ISBN : 9783030138318

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The Regulation of Mobile Money by Sunduzwayo Madise Pdf

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.

The PAYTECH Book

Susanne Chishti,Tony Craddock,Robert Courtneidge,Markos Zachariadis
The PAYTECH Book Book PDF

Author : Susanne Chishti,Tony Craddock,Robert Courtneidge,Markos Zachariadis
Publisher : John Wiley & Sons
Page : 261 pages
File Size : 46,9 Mb
Release : 2020-02-18
Category : Business & Economics
ISBN : 9781119551911

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The PAYTECH Book by Susanne Chishti,Tony Craddock,Robert Courtneidge,Markos Zachariadis Pdf

The only globally-crowdsourced book on the future of payments (“PayTech”), offering comprehensive understanding of a rapidly evolving industry at the centre of global commerce The movement of money between individuals, organisations and governments is crucial to the world economy. The payments industry has undergone immense transformation ­– new regulations, technologies and consumer demands have prompted significant changes to the tools, products and use cases in payments, as well as presented lucrative opportunities for entrepreneurs and FinTech professionals. As payment technologies become faster and more efficient, companies and investors are increasingly favouring PayTech innovation due to better customer experience, increased revenues and manageable risks. The PAYTECH Book brings together a diverse collection of industry experts to provide entrepreneurs, financial services professionals and investors with the answers they need to capitalise on the highly profitable PayTech market. Written by leaders in the global FinTech and payment sectors, this informative volume explains key industry developments and presents valuable first-hand insights from prominent industry practitioners. Contributors include advisors and consultants to the payments and financial services industry, entrepreneurs and business owners utilising cutting-edge PayTech capabilities, academic researchers exploring the social-political-economic impact of PayTech and many others. Detailed chapters cover essential topics such as cybersecurity, regulation and compliance, wholesale payments and how payment systems currently work and how PayTech can improve them. This book: Defines PayTech and identifies its key players Discusses how PayTech can transform developed markets and accelerate growth in emerging economies Describes how PayTech fits into the larger FinTech ecosystem Explores the future of PayTech and its potential as an agent of social change and financial inclusion Provides diverse perspectives on investment in PayTech and what consolidation and expansion will look like The PAYTECH Book: The Payment Technology Handbook for Investors, Entrepreneurs and FinTech Visionaries is an indispensable source of information for FinTech investors and entrepreneurs, managers from payments companies and financial services firms and executives responsible for payments in government, corporations, public sector organisations, retailers and users of payments.

Impact of Mobile Payment Applications and Transfers on Business

Opati, Thaisaiyi Zephania,Gachukia, Martin Kang'ethe
Impact of Mobile Payment Applications and Transfers on Business Book PDF

Author : Opati, Thaisaiyi Zephania,Gachukia, Martin Kang'ethe
Publisher : IGI Global
Page : 311 pages
File Size : 43,5 Mb
Release : 2019-12-20
Category : Business & Economics
ISBN : 9781799824008

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Impact of Mobile Payment Applications and Transfers on Business by Opati, Thaisaiyi Zephania,Gachukia, Martin Kang'ethe Pdf

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.

Mobile Financial Services

Silas Paulsen
Mobile Financial Services Book PDF

Author : Silas Paulsen
Publisher : Nova Science Publishers
Page : 0 pages
File Size : 52,6 Mb
Release : 2013
Category : Banks and banking
ISBN : 1626187037

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Mobile Financial Services by Silas Paulsen Pdf

Mobile phones have clearly become ubiquitous and a standard aspect of daily life for many American consumers in the last decade. Ongoing innovations in mobile finance show some potential to change the way consumers conduct financial transactions by offering consumers new services. Yet, many people remain sceptical of the benefit of mobile financial services and the level of security provided along with such services. This book examines the use of mobile technology to access financial services and make financial decisions, with a focus on how consumers are interacting with financial institutions; current use of mobile banking and payments; and other mobile financial services and new technologies.

Protecting Mobile Money against Financial Crimes

Pierre-Laurent Chatain,Andrew Zerzan,Wameek Noor,Najah Dannaoui,Louis de Koker
Protecting Mobile Money against Financial Crimes Book PDF

Author : Pierre-Laurent Chatain,Andrew Zerzan,Wameek Noor,Najah Dannaoui,Louis de Koker
Publisher : World Bank Publications
Page : 234 pages
File Size : 47,6 Mb
Release : 2011-02-24
Category : Political Science
ISBN : 9780821386705

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Protecting Mobile Money against Financial Crimes by Pierre-Laurent Chatain,Andrew Zerzan,Wameek Noor,Najah Dannaoui,Louis de Koker Pdf

Mobile Money is a booming industry in an increasing number of countries worldwide. The project results from increased demand for guidance and technical assistance from governments after the 2008 publication of an exploratory paper, Integrity in Mobile Phone Financial Services, which discussed mobile money and the application of international anti-money laundering (AML) and combating the financing of terrorism (CFT) standards. For most, how to craft a regulatory regime that expands access to financial services to the poor through the development of mobile phone financial services, but compliant with AML/CFT standards remains elusive. Specific AML/CFT regulations related to mobile money have not been issued in many jurisdictions, mainly due to the lack of awareness of the risks these services can pose if the right controls are not in place. Because the international standards for AML/CFT, the Financial Action Task Force s 40 + 9 Recommendations were designed and issued well before mobile money technology and business models became prevalent, even developed countries have begun to face challenges with their regulation. The project team aims to provide practical guidance to jurisdictions and the Industry on how to draft regulations and internal guidelines that allow them to comply with AML/CFT standards with enough flexibility for mobile money to thrive. Specifically, the paper (1) takes stock of new AML/CFT regulations and practices relevant to Mobile money, (2) design guidelines for drafting AML/CFT regulations that cover mobile money and (3) propose examples of best practices for the Industry to include AML/CFT in their own business model.

Bank 4.0

Brett King
Bank 4 0 Book PDF

Author : Brett King
Publisher : John Wiley & Sons
Page : 273 pages
File Size : 45,6 Mb
Release : 2018-12-28
Category : Business & Economics
ISBN : 9781119506522

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Bank 4.0 by Brett King Pdf

Winner of best book by a foreign author (2019) at the Business Book of the Year Award organised by PwC Russia The future of banking is already here — are you ready? Bank 4.0 explores the radical transformation already taking place in banking, and follows it to its logical conclusion. What will banking look like in 30 years? 50 years? The world’s best banks have been forced to adapt to changing consumer behaviors; regulators are rethinking friction, licensing and regulation; Fintech start-ups and tech giants are redefining how banking fits in the daily life of consumers. To survive, banks are having to develop new capabilities, new jobs and new skills. The future of banking is not just about new thinking around value stores, payment and credit utility — it's embedded in voice-based smart assistants like Alexa and Siri and soon smart glasses which will guide you on daily spending and money decisions. The coming Bank 4.0 era is one where either your bank is embedded in your world via tech, or it no longer exists. In this final volume in Brett King's BANK series, we explore the future of banks amidst the evolution of technology and discover a revolution already at work. From re-engineered banking systems, to selfie-pay and self-driving cars, Bank 4.0 proves that we're not on Wall Street anymore. Bank 4.0 will help you: Understand the historical precedents that flag a fundamental rethinking in banking Discover low-friction, technology experiences that undermine the products we sell today Think through the evolution of identity, value and assets as cash and cards become obsolete Learn how Fintech and tech "disruptors" are using behaviour, psychology and technology to reshape the economics of banking Examine the ways in which blockchain, A.I., augmented reality and other leading-edge tech are the real building blocks of the future of banking systems If you look at individual technologies or startups disrupting the space, you might miss the biggest signposts to the future and you might also miss that most of we've learned about banking the last 700 years just isn't useful. When the biggest bank in the world isn't any of the names you'd expect, when branch networks are a burden not an asset, and when advice is the domain of Artificial Intelligence, we may very well have to start from scratch. Bank 4.0 takes you to a world where banking will be instant, smart and ubiquitous, and where you'll have to adapt faster than ever before just to survive. Welcome to the future.

Mobile Financial Services for Economically Vulnerable and Underserved Consumers

Oscar Cortez
Mobile Financial Services for Economically Vulnerable and Underserved Consumers Book PDF

Author : Oscar Cortez
Publisher : Nova Science Publishers
Page : 0 pages
File Size : 49,9 Mb
Release : 2016
Category : Financial services industry
ISBN : 163484551X

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Mobile Financial Services for Economically Vulnerable and Underserved Consumers by Oscar Cortez Pdf

The consumer financial services market has seen the increasing use and proliferation of mobile technology to access financial services and manage personal finances. The Consumer Financial Protection Bureau's Office of Financial Empowerment issued a Request for Information (RFI) to find out more about mobile financial services and how low-income and economically vulnerable consumers are using them. This book provides a description of mobile financial services, a discussion of the opportunities and risks, and key takeaways from the comments. Furthermore, this book considers the ability of mobile financial services to increase financial inclusion among the underserved by providing them access to the banking system, retaining them in safe and sustainable account relationships, and fostering financial empowerment to improve financial stability and fulfill financial goals.