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Author: Moin Qazi Publisher: Notion Press ISBN: Category : Business & Economics Languages : en Pages : 272
Book Description
The official emphasis on financial inclusion keeps re-emerging in policy discourses and among bankers, who are critical of its architecture, despite the earnestness and enthusiasm in pursuing it. In the face of initial bursts of euphoria, the movement develops fatigue for commercial reasons. The agenda regularly falls by the side –first from discussion tables and then from policy engagement. Banks face many constraints; the high cost of driving financial inclusion in remote geographies is not sustainable. The main reason for the earlier failures was that the goals were more idealistic than realistic However, in the last few years, that agenda appears to have gained significant traction even as it is still going through the honeymoon period in the Jan-Dhan avatar. People have wholeheartedly embraced it and see great promise in it. But they are still not entirely convinced of it achieving its touted potential. Access to suitable finances is critical in overcoming the complex everyday realities for those living in penny economies. It can allow them to move out of poverty or build resilience to absorb a financial shock without sinking deeper into debt. Financial services increase savings, remove barriers to credit, ease the burden of debt, and help people weather unexpected tragedies.
Author: Moin Qazi Publisher: Notion Press ISBN: Category : Business & Economics Languages : en Pages : 272
Book Description
The official emphasis on financial inclusion keeps re-emerging in policy discourses and among bankers, who are critical of its architecture, despite the earnestness and enthusiasm in pursuing it. In the face of initial bursts of euphoria, the movement develops fatigue for commercial reasons. The agenda regularly falls by the side –first from discussion tables and then from policy engagement. Banks face many constraints; the high cost of driving financial inclusion in remote geographies is not sustainable. The main reason for the earlier failures was that the goals were more idealistic than realistic However, in the last few years, that agenda appears to have gained significant traction even as it is still going through the honeymoon period in the Jan-Dhan avatar. People have wholeheartedly embraced it and see great promise in it. But they are still not entirely convinced of it achieving its touted potential. Access to suitable finances is critical in overcoming the complex everyday realities for those living in penny economies. It can allow them to move out of poverty or build resilience to absorb a financial shock without sinking deeper into debt. Financial services increase savings, remove barriers to credit, ease the burden of debt, and help people weather unexpected tragedies.
Author: Carol Realini Publisher: FriesenPress ISBN: 1460265521 Category : Business & Economics Languages : en Pages : 128
Book Description
As incredible as it may seem in this hyper-connected, technologically advanced era, half the planet's population exist as "Financial nomads"-those who nourish and shelter themselves without using traditional banking services. While the wealthy live at the top of a metaphorical pyramid, taking financial security and banking services for granted, there are billions of people who struggle at the pyramid's base in an exhausting state of financial exclusion and insecurity. Times are changing rapidly, but despite global uncertainty, technology has the capacity to reach and equip people in all walks of life. Advances in communications have reconfigured the ease with which we interact with our money-and these advances can provide innovative financial services to the unbanked and underserved around the world. Financial inclusion for all is indeed within our reach, and with this conviction, authors Karl Mehta and Carol Realini propose a vision for a better world and a blueprint to get there....
Author: Serena Natile Publisher: Routledge ISBN: 0429603770 Category : Political Science Languages : en Pages : 222
Book Description
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.
Author: Samuel Kirwan Publisher: ISBN: 9781788211185 Category : Languages : en Pages : 192
Book Description
Limited access to financial services impedes economic development in impoverished communities, which has prompted policy makers, private institutions, and NGOs to develop strategies to address financial inclusion. Samuel Kirwan examines the various types of policy implementation and considers the efficacy of such economic interventions.
Author: Robert Cull Publisher: MIT Press ISBN: 0262544016 Category : Business & Economics Languages : en Pages : 519
Book Description
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.
Author: Frederic De Mariz Publisher: World Scientific ISBN: 1800612214 Category : Business & Economics Languages : en Pages : 220
Book Description
From vehicles to music, power generation to retail, every aspect of our daily routine has experienced drastic changes in the recent past, driven by secular forces such as digitization, a growing focus on sustainability, regulatory changes and evolving consumer behavior. Financial services are no exception. A paradigm change is at play in the financial sector, with a surge in competition from non-traditional actors, a revolution in customer experience evidenced by rising transparency and customer-centric strategies. FinTech is disrupting financial services, providing a historic opportunity for formally underserved customers, a formidable threat to existing banks and a critical challenge to regulators. Through the lens of FinTech (financial technology) — including payments, lending platforms, insurtech, superapps and market infrastructure — the author highlights the practical policy opportunities and risks of financial inclusion with a wealth of data.This book tells the story of entrepreneurs, companies, investors, researchers and regulators who are building the financial services of tomorrow and the mechanisms that will allow us as a society to fulfill the promise of inclusion. There are still challenges to overcome, particularly high levels of informality, subpar quality in financial services, and low levels of financial education. Regulators play a crucial role to foster inclusion, proposing sandboxes and stepping up their efforts against risks triggered by technology such as monopolistic behavior, consumer protection and cybercrime.Finance with a Purpose combines the theory in the fields of economics, finance and law with the practice of financial institutions, corporates, households and investors. By combining the latest academic research with ample professional experience in emerging markets, this book is essential for policymakers, scholars, and any reader who wants to understand the recent progress in financial inclusion and how it can be used to alleviate inequality and foster economic development.
Author: Firdous Ahmad Malik Publisher: Routledge ISBN: 9781032655130 Category : Business & Economics Languages : en Pages : 0
Book Description
This book offers a thorough examination of the economics of financial inclusion and management from a contemporary standpoint. It covers a vast array of financial inclusion-related topics, surveying economies around the globe and analyzes the factors that contribute to both financial inclusion and exclusion. The book discusses the role of technology, examining how technological advances have revolutionized financial services and increased access to populations that were previously underserved. It studies the intersection of financial inclusion and sustainability, highlighting the significance of green finance and its role in fostering inclusive and sustainable economic growth. Financial literacy and the theories underlying financial inclusion efforts are examined, as is the impact of financial criminality. Further, the authors consider regional development and the extant gaps in financial inclusion as well as the urban-rural divide, investigating disparities between urban and rural areas and proposing strategies to bridge the gap. They also assess the effect of inflation and recession and discuss how monetary and fiscal policies can impact inclusion initiatives. The book concludes with a management perspective on financial inclusion, with chapters devoted to various aspects of administering inclusive financial systems. It combines theoretical insights with empirical evidence and case studies, from both developing and developed nations, to illustrate the various approaches and challenges and to provide a comprehensive understanding of worldwide advancements and developments. The comparative approach provides readers with insights into diverse strategies and best practices for overcoming challenges and obstacles and for promoting financial inclusion in various economic contexts. Overall, readers will benefit from the book's comprehensive analysis and exhaustive coverage. It is an invaluable resource for advanced students, scholars, researchers and policymakers.
Author: Ellie Duncan Publisher: Kogan Page Publishers ISBN: 139861243X Category : Business & Economics Languages : en Pages : 265
Book Description
Open Banking and Financial Inclusion enables readers to make informed decisions about open banking. Open Banking creates opportunities to develop more innovative products, increase customer satisfaction, and has the potential to open up access to financial services to those previously excluded and underbanked. Open Banking and Financial Inclusion reviews the opportunities, realities and limitations of open banking as it pertains to social inclusion, acknowledging the importance of impact and authenticity in ESG actions. It considers whether open banking is really working for the benefit of consumers by speaking to key people across the open banking, fintech and data sharing industry and also explores how banks and fintechs are measuring their social impact. Readers will gain insights from real people about their journey from financial exclusion to inclusion, and the part played by open banking. They will also access case studies offering an in-depth picture of how open banking has developed in both emerging and developed markets and where open banking has been successful in promoting financial inclusion. Open Banking and Financial Inclusion investigates the ultimate intention of open banking and its lead up to open finance.
Author: Moin Qazi
Author: Moin Qazi
Author: Carol Realini 
Author: Richard E. Gottlieb
Author: Serena Natile
Author: Samuel Kirwan
Author: Robert Cull
Author: Frederic De Mariz
Author: DR.S.V. SHINDE
Author: Firdous Ahmad Malik
Author: Ellie Duncan