Relevant bibliographies by topics / Consumers of financial services

Contents

  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Consumers of financial services'

Author: Grafiati
Published: 28 May 2022
Last updated: 30 July 2025

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Journal articles on the topic "Consumers of financial services"

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Wijayanti, Sita Adelia Jatu, and Akhmad Budi Cahyono. "Consumer Representative Actions in the Financial Sector." Nagari Law Review 7, no. 1 (2023): 1. http://dx.doi.org/10.25077/nalrev.v.7.i.1.p.1-13.2023.

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The presence of a non-governmental consumer protection organization plays a vital role in assisting consumers whose position tends to be weak and overseeing the implementation of bank executions so that they are carried out fairly. The organization can also represent a broad group of consumers to appear before the court for consumer protection. This study analyzes the legal protection of consumers based on the omnibus financial law of the Financial Sector Development and Strengthening Law and the Consumer Protection Law as well as the role of non-governmental consumer protection institutions i
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Efimov, А. V. "Judicial Protection of the Rights of Consumers of Financial Services." Rossijskoe pravosudie 5 (May 25, 2021): 89–95. http://dx.doi.org/10.37399/issn2072-909x.2021.5.89-95.

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. The institution of a financial ombudsman significantly affects the procedure for protecting the rights of consumers of financial services. The problem is that the protection of consumer rights in the courts is complicated by the factual double mandatory pre-trial procedure for resolving a dispute, in which, before going to court, the consumer is obliged to contact a financial organizationand a financial ombudsman. The purpose of this article is to formulate a theoretical approach to the balance between consumer access to justice and the burden on the judicial system. Research objectives: cha
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Nur Husni Emilson, Koesrin Nawawi, and Soleh Idrus. "PERLINDUNGAN & PENYELESAIAN SENGKETA KOSUMEN SEKTOR JASA KEUANGAN." Juris 7, no. 1 (2023): 181–85. http://dx.doi.org/10.56301/juris.v7i1.871.

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Disputes in the financial services sector can occur if there is a difference in understanding between the institution and the consumer regarding a service product from the related financial institution or from the institution's negligence in fulfilling its obligations. Consumer protection is all efforts to provide legal certainty to consumers. The PK Law is the legal basis for legal protection for consumers, while the OJK Law is the Constitution of the establishment of Financial Institutions, in this case the OJK as an independent body that regulates, supervises, inspects and investigates in t
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Mulkan, Hasanal, Veni Ardea Regita, Marissa Ikhsan, Fathya Faradilla, and Muhammad Rizky Kurniawan. "Perlindungan Dan Penyelesaian Sengketa Kosumen Sektor Jasa Keuangan." Justicia Sains: Jurnal Ilmu Hukum 8, no. 1 (2023): 116–25. http://dx.doi.org/10.24967/jcs.v8i1.2379.

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Disputes in the financial services sector can occur if there is a difference in understanding between the institution and the consumer regarding a service product from the related financial institution or from the institution's negligence in fulfilling its obligations. Consumer protection is all efforts to provide legal certainty to consumers. The PK Law is the legal basis for legal protection for consumers, while the OJK Law is the Constitution of the establishment of Financial Institutions, in this case the OJK as an independent body that regulates, supervises, inspects and investigates in t
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Masilo, Kgomotso Hilda. "Debt counselling services in Gauteng (South Africa): Consumers’ perspective." Journal of Governance and Regulation 3, no. 3 (2014): 120–27. http://dx.doi.org/10.22495/jgr_v3_i3_c1_p5.

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Debt counsellors are receiving a high number of applications from over-indebted consumers on a monthly basis. This paper investigates the effectiveness of debt counselling on consumer financial wellness. Three hundred consumers were surveyed and a response rate of 61% was achieved. Data was analysed using descriptive statistics. There was no evidence that consumers who received debt counselling improved in their financial standing. The article concluded that though debt counselling is important, it does not necessarily improve the financial prosperity of over-indebted consumers. The paper reco
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Naim, Arshi, and Mohammad Faiz Khan. "Consumer Behavior for Health Services: A Psychological Approach." Science Progress and Research 1, no. 4 (2021): 356–67. http://dx.doi.org/10.52152/spr/2021.155.

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The objective of the research is to understand Psychographic aspect of Consumer Behavior for health services and accordingly effort to understand how proactive behavior can be inculcate amongst consumers. Data was collected from primary source which are Medical Practitioners, Medical Representatives and Patients. Research method is adaptive as it tries to influence present psychographic consumer behavior towards health and fitness and to measure responses likert scale is used. To do optimal health and financial outcomes to fitness the research method is both Qualitative as well as Quantitative
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Hiariej, Gian Chelvanno, Teng Berlianty, and Marselo Valentino Geovani Pariela. "Perlindungan Hukum Data Pribadi Konsumen Terhadap Pelaku Usaha Jasa Keuangan." TATOHI: Jurnal Ilmu Hukum 3, no. 5 (2023): 464. http://dx.doi.org/10.47268/tatohi.v3i5.1806.

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Introduction: Financial services businesses use personal data in the form of consumer telephone numbers as information and communication to enable the distribution of data and information on financial products, in this case such as credit offers and/or service offers, quickly and directly with consumers or potential consumers.Purposes of the Research: (1.) To know and understand the legal protection of consumers regarding the personal data used. (2.) How is the application of the principle of rights in Consumer Personal Data Law to Financial Financing Service Business Actor.Methods of the Rese
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Singh, Pushpkiran, Tejas Dave, and Ashish B. Joshi. "Moderating role of Digital Consumer Protection in Impacting the Intention to Use Digital Financial Services." International Review of Management and Marketing 14, no. 5 (2024): 222–34. http://dx.doi.org/10.32479/irmm.16842.

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Digital finance has the potential to increase financial services accessibility and financial inclusion of the people in need. Digital Financial Services encompass a range of financial services that are accessible and utilized via digital platforms, including lending, payments, insurance, and eventually personal finance management. In addition to more contemporary financial solutions like digital lending platforms, crowdfunding platforms, peer-to-peer (P2P) lending, digital payments, e-commerce, mobile wallets, and app-based lending, digital financial services also include more traditional fina
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Leyshon, Andrew, Nigel Thrift, and Jonathan Pratt. "Reading Financial Services: Texts, Consumers, and Financial Literacy." Environment and Planning D: Society and Space 16, no. 1 (1998): 29–55. http://dx.doi.org/10.1068/d160029.

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The authors focus upon the changing nature of production and consumption within the retail financial services industry. The perennial problem which faces all producers of financial services is information asymmetry; that is, providers and consumers of financial products have unequal amounts of information about whether or not customers have the wherewithal to make them ‘capable’ purchasers. Thus, the problem of information asymmetry is usually manifested in a priori decisionmaking about the suitability of customers. This problem has traditionally been overcome by forging interpersonal relation
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Widijantoro, Johanes. "THE ROLE OF FINANCIAL SERVICES AUTHORITY IN THE CONSUMER PROTECTION AMID THE GROWTH OF FINTECH INDUSTRY IN INDONESIA." Mimbar Hukum - Fakultas Hukum Universitas Gadjah Mada 31, no. 2 (2019): 297. http://dx.doi.org/10.22146/jmh.43129.

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The growth of the financial technology (fintech) industry is a necessity as an effort to make financial services more practical and efficient. On the other hand, consumers of financial services are still low in financial literacy levels, especially in considering various risks that can occur in dealing with the fintech industry. Indonesian Financial Services Authority (OJK) is the body responsible for carrying out the protection of consumers of financial services. This article describes how legal matters in the fintech business, which are actually useful and can encourage financial inclusion,
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Dissertations / Theses on the topic "Consumers of financial services"

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Rose, Janelle. "Predicting mature consumers' attitudes towards use of self-service technologies in the financial services context." University of Southern Queensland, Faculty of Sciences, 2007. http://eprints.usq.edu.au/archive/00003554/.

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[Abstract]: The combination of increased numbers of ageing consumers, decreased access to personal services, and reluctance to use self-service technologies (SSTs) among some mature consumers highlighted the need to identify the factors that influence the use of these technologies. In the Australian context, research investigating mature consumers is an emerging area with limited knowledge relating to their use of SSTs.Through extending the original technology acceptance model (TAM), a well-established model from the information technology domain, this thesis incorporated six external variable
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Uzokwe, Henry Chilewubeze. "Consumer protection in the banking sector : the need for reform to protect bank consumers in Nigeria." Thesis, Brunel University, 2017. http://bura.brunel.ac.uk/handle/2438/15661.

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The protection of consumers of financial services has attracted a lot of debates following the global financial crisis of 2007 to 2009. As a result, there have been series of reforms in a number of jurisdictions across the globe. Despite this development some countries still lag behind and Nigeria is no exception. This study examines the problems of consumer protection in Nigeria, with specific reference to the bank consumers. The aim is to consider whether the Nigeria consumer protection regime provides "sufficient protection to bank consumers and whether it should be reformed". The study als
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Harborne, Paul. "Leading successful product innovation in consumer financial services." Thesis, City University London, 2000. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.340459.

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Williams, Sherry Lee. "Closing the Financial Inclusion Gap by Understanding What Factors Drive Consumer Selection of Financial Service Providers." Diss., Temple University Libraries, 2019. http://cdm16002.contentdm.oclc.org/cdm/ref/collection/p245801coll10/id/588911.

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Business Administration/Strategic Management<br>D.B.A.<br>This research seeks to determine what factors and combinations of banking features drive the choice of a financial service provider. Two studies have been devised to explore the research question. The initial study, uses factor analysis and logistic regression to examine the importance of perceived cost, convenience, and relational trust in the choice of a financial services provider. An additional study uses choice-based conjoint analysis to conduct an exploratory study to identify combinations of banking features that potential custom
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Farquhar, Jillian. "Customer retention in retail financial services : an exploratory study." Thesis, University of Leicester, 2002. http://hdl.handle.net/2381/4616.

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This investigation is concerned with how financial services retailers approach the retention of customers. Markets for financial services have become saturated, competition has become fiercer and consumers have gained greater confidence in the consumption of financial services. Traditional retailers of financial services have begun to look to their existing customers to maintain and improve their profitability in these turbulent times. They hope that by retaining selected customers, they will be able to lower their costs by cross-selling financial products. In spite of considerable practitione
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Jayawardhena, Chanaka. "Investigating consumer behaviour and competitiveness in Internet service businesses : development of the mystery-shopping methodology in Internet banking services." Thesis, De Montfort University, 2001. http://hdl.handle.net/2086/4200.

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Storey, Christopher D. "New consumer financial services : the determinants of success and failure." Thesis, University of Manchester, 1995. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.625445.

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The aim of this research was to close gaps in the literatures on new product development and on the marketing of services. This thesis presents the results of a survey into the development, launch and marketing of a large sample of typical new products introduced into the consumer financial services market within the United Kingdom. Previous research into new product success concentrates on product-related benefits (the revenues, sales, profit or market share achieved). However evaluating new products concentrating solely on product benefits ignores half of the potential benefits to the firm.
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Lowther, Dwain Eldred. "Customer relationship management: A financial perspective." CSUSB ScholarWorks, 2004. https://scholarworks.lib.csusb.edu/etd-project/2694.

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This paper focuses on methods for financial institutions to perform precise customer level analysis to anticipate customers' evolving financial needs and maximize the lifetime value of each customer relationship. The paper proposes software packages that analyze customer relationship management from a financial perspective.
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Gibbs, Paul Thomas. "Time as a dimension in the consumption of financial services." Thesis, University of Southampton, 1995. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.295636.

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Yu, Pei-I. "The impact of financial service type on consumer relationship engagement motives : an empirical investigation of retail banking consumers." Thesis, University of Edinburgh, 2009. http://hdl.handle.net/1842/25354.

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This thesis contributes to the body of knowledge on relationship marketing, specifically consumer relationship behaviour in the early stage of relationship engagement among financial services consumers. The purpose of this thesis is to explore the motives for consumers to engage in a relationship with financial institutions (e.g. traditional banks, building societies, insurance companies, or other non-traditional financial services providers) in the acquisition of four fundamental retail financial products: current account, savings account, mortgage and car insurance. This thesis investigates
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Books on the topic "Consumers of financial services"

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Tennyson, Fionnuala. Financial advertising & consumers. Advertising Association, 1992.

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Task Force on the Future of the Canadian Financial Services Sector. Empowering consumers. The Task Force, 1998.

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Great Britain. Office of Fair Trading. Appendix ... of Vulnerable consumers and financial services. Office of Fair Trading, 1999.

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Task Force on the Future of the Canadian Financial Services Sector. Empowering consumers: Change, challenge, opportunity. The Task Force, 1998.

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Klumpes, J. M. Vulnerable consumers, financial services and estimating the costs and benefits of regulation : appendix 2 of Vulnerable Consumers and Financial Services. Office of Fair Trading, 1999.

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M, Mintz Jack, Pesando J. E. 1946-, C. D. Howe Institute, and Issues in the Reform of the Canadian Financial Services Industry (1996 : Toronto, Ont.), eds. Putting consumers first: Reforming the Canadian financial services industry. C.D. Howe Insitute, 1996.

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Tag Eldin Suliman El Dawi. Banks selection determinants and financial services usage behaviour among Muslim community in Ireland. University College Dublin, 1995.

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Alberta. Alberta Consumer and Corporate Affairs. White paper respecting a Financial Consumers Act. Alberta Consumer and Corporate Affairs, 1989.

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Yankee Group. Consumer & Technology Division., ed. Consumer financial services: Delivering financial services : new technologies, new opportunities. Yankee Group, 1986.

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United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Financial consumers associations: Hearing before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundredth Congress, second session on the recognition that there is very little shopping for financial services and that there is a tremendous disparity in the charges that are paid by people who use finanical services, December 14, 1988. U.S. G.P.O., 1989.

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Book chapters on the topic "Consumers of financial services"

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Soetan, Taiwo O., and Emmanuel Mogaji. "Financial Services Consumers." In Sustainable Development Goals Series. Springer Nature Switzerland, 2024. http://dx.doi.org/10.1007/978-3-031-62340-0_6.

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Baeckström, Ylva. "Women as Consumers of Financial Services." In Gender and Finance. Routledge, 2022. http://dx.doi.org/10.4324/9781003198109-3.

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Kabza, Milena, and Marek Monkiewicz. "Financial consumers’ protection under the impact of reregulation and innovations." In Innovation in Financial Services. Routledge, 2020. http://dx.doi.org/10.4324/9781003051664-6.

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Komulainen, Hanna, Saila Saraniemi, and Pauliina Ulkuniemi. "Engaging non-active consumers to use mobile financial services." In Marketing and Mobile Financial Services. Routledge, 2018. http://dx.doi.org/10.4324/9781351174466-2.

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Ennew, Christine, Nigel Waite, and Róisín Waite. "Product and consumer needs." In Financial Services Marketing. Routledge, 2017. http://dx.doi.org/10.4324/9781315543765-11.

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Ennew, Christine, Nigel Waite, and Róisín Waite. "Consumer convenience and distribution." In Financial Services Marketing. Routledge, 2017. http://dx.doi.org/10.4324/9781315543765-14.

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Ennew, Christine, Nigel Waite, and Róisín Waite. "Product and consumer needs." In Financial Services Marketing, 4th ed. Routledge, 2024. http://dx.doi.org/10.4324/9781003398615-18.

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Ennew, Christine, Nigel Waite, and Róisín Waite. "Understanding the financial services consumer." In Financial Services Marketing. Routledge, 2017. http://dx.doi.org/10.4324/9781315543765-7.

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Ennew, Christine, Nigel Waite, and Róisín Waite. "Understanding the financial services consumer." In Financial Services Marketing, 4th ed. Routledge, 2024. http://dx.doi.org/10.4324/9781003398615-8.

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Ennew, Christine, Nigel Waite, and Róisín Waite. "Price and cost to the consumer." In Financial Services Marketing. Routledge, 2017. http://dx.doi.org/10.4324/9781315543765-13.

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Conference papers on the topic "Consumers of financial services"

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COCIUG, VICTORIA, and NATALIA ȚURCAN-MUNTEANU. "CONSUMER PROTECTION OF PAYMENT SERVICES IN THE REPUBLIC OF MOLDOVA – BETWEEN REALITY AND PERCEPTION." In COMPETITIVENESS AND INNOVATION IN THE KNOWLEDGE ECONOMY. Editura ASE, 2025. https://doi.org/10.24818/cike2024.45.

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Payment services are an essential component of the modern economy, facilitating commercial transactions and allowing consumers to make fast and secure payments through bank accounts or mobile devices. The considerable growth in payment service users, especially digital ones, implies a need for deep knowledge of specific processes. The large volume of information can lead to user confusion and create conditions for the violation of consumer rights, stemming from ignorance of certain aspects of payments. Ensuring transparency and user education is crucial for building trust in these systems. As
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Moroi, Tatiana, and Ana Gumovschi. "Modern Ways Of Financing Economic Agents." In 27th International Scientific Conference “Competitiveness and Innovation in the Knowledge Economy”. Academy of Economic Studies of Moldova, 2024. http://dx.doi.org/10.53486/cike2023.53.

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Financial innovation is closely linked to the evolution of technology, its dynamics being ever greater. Technology, in various forms, is increasingly present in the financial market, with consumers having to adapt to new trends. Innovation in the financial market has emerged as a natural response of consumer needs for financial products and services to technological progress in recent years. Subject of the study consists in highlighting the need to apply financial instruments, as well as ways of financing economic agents from the Republic of Moldova in order to improve access to financing thro
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Malyaev, Vladimir. "FINANCIAL LITERACY AND PROTECTION OF RIGHTS OF CONSUMERS OF FINANCIAL SERVICES." In NORDSCI International Conference. SAIMA Consult Ltd, 2019. http://dx.doi.org/10.32008/nordsci2019/b2/v2/24.

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Negrea, Claudiu Ioan, and Ela Madalina Scarlat. "Challenges and opportunities for consolidating the availability of financial services in Romania." In Economic growth in the conditions of globalization. International Scientific-Practical Conference, XVIth edition. National Institute for Economic Research, 2022. https://doi.org/10.36004/nier.cecg.iii.2022.16.13.

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This research paper addresses the need to achieve a higher financial inclusion and the challenges to a higher adoption of digital payments in Romania, while decreasing the use of cash, related to the physical infrastructure and regional disparities, financial intermediaries, consumer preference and financial education, by conducting a descriptive research, using quantitative and qualitative analysis of secondary data. The study highlights the current infrastructure, some relevant legislation implications and the population’s payment habits and perception. We presented some opportunities provid
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Mistrean, Larisa, and Ilinca Gorobet. "Consumer behaviour in the context of sustainable banking in the Republic of Moldova." In Modern finance from the perspective of sustainability of national economies. International Scientific Conference. Academy of Economic Studies, 2025. https://doi.org/10.53486/mfsne2024.18.

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Banks are now facing pressure from all sides and have realized that unchecked climate change will have disastrous environmental impacts and serious macroeconomic consequences. Sustainable banking involves offering financial products and services that not only fulfill people's needs but also protect the environment, all while being profitable. It is primarily about social responsibility, which can change the way consumers choose and use financial services. Sustainable banking is the symbiosis between the banking system and society and is mainly based on two elements: green credits and sustainab
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Palmieri, Alessandro, and Blerina Nazeraj. "OPEN BANKING AND COMPETITION: AN INTRICATE RELATIONSHIP." In International Jean Monnet Module Conference of EU and Comparative Competition Law Issues "Competition Law (in Pandemic Times): Challenges and Reforms. Faculty of Law, Josip Juraj Strossmayer University of Osijek, 2021. http://dx.doi.org/10.25234/eclic/18822.

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Open banking – promoted in the European Union by the access to account rule contained in the Directive (EU) 2015/2366 on payment services in the internal market (PSD2) – is supposed to enhance consumer’s welfare and to foster competition. However, many observers are fearful about the negative effects of the entry into the market of the so-called BigTech giants. Unless incumbent banks are able to rise above the technological challenges, the risk is that, in the long run, BigTech firms could dominate the market, by virtue of their great ability to collect data on consumer preferences, and to pro
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Repetuh, Elena, and Adelina Farima. "Perspectives of Fintech development on the banking service market in the Republic of Moldova." In Simpozion Ştiinţific al Tinerilor Cercetători. Ediţia a 22-a. Academy of Economic Studies, 2025. https://doi.org/10.53486/sstc2024.v1.41.

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Over the past decade, fintech has led to greater access to financial services for all consumers. Meanwhile, innovative new technologies are transforming services and markets in areas as diverse as financial markets trading. Technologies have changed the way people think and behave. Technologies have spawned the emergence of a multitude of new businesses to meet customer demand and this indicates that digital technologies are a strategic priority. Indeed, banks are fast becoming digitalised and there is fierce competition to provide the highest quality service to the highest number of customers
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Simiyu, Naomy, Santhosh Kumar, Marisennayya Senapathy, and Regina Babu. "Bridging the gap: Understanding demographic disparities in consumer credit adoption: The case for Buy Now Pay Later." In Employment, Education and Entrepreneurship 2024. Faculty of Business Economics and Entrepreneurship, 2024. https://doi.org/10.5937/eee24047s.

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Financial institutions like banks have a significant role in lending credit to their consumers based on the different criteria that must be considered before issuing the loan. This study investigates the influence of demographic variables on the usage and adoption of financial services. The primary objective of this study was to identify how age, gender, income, education, occupation, and credit score levels impact consumer behavior and their preferences in the "Buy Now and Pay Later" financial services. Using a quantitative approach, an online survey was conducted with 350 valid responses for
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CIOBU, STELA, and VICTORIA IORDACHI. "EVALUATION OF COMPETITION IN THE BANKING SECTOR OF THE REPUBLIC OF MOLDOVA IN THE CONDITIONS OF DIGITALIZATION." In COMPETITIVENESS AND INNOVATION IN THE KNOWLEDGE ECONOMY. Editura ASE, 2025. https://doi.org/10.24818/cike2024.48.

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Technological advancements have significantly transformed the banking landscape, influencing competition and consumer behavior. Researchers explore the impact of innovations such as digital banking, mobile payments, and fintech solutions on the competitive landscape. They assess how banks leverage technology to enhance operational efficiency, customer experience, and product offerings, and examine the implications for market competition. Additionally, the entry of non-traditional players, such as fintech firms and tech giants, into the banking sector is analyzed in terms of its impact on tradi
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Zubareva, Irina. "Neuromarketing in the banking industry: new approaches to enhancing product attractiveness." In International scientific conference "Development Through Research and Innovation" IDSC-2025. Academy of Economic Studies, 2025. https://doi.org/10.53486/dri2025.24.

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This article investigates the application of neuromarketing technologies as a strategic approach to increasing the attractiveness of banking products and services. Due to the intangible and complex nature of financial offerings - often perceived as risky or difficult to understand - consumers frequently experience hesitation and distrust. Traditional marketing methods overlook the subconscious emotional and cognitive drivers that significantly influence decision-making. Neuromarketing leverages advanced techniques such as EEG, eye-tracking, and facial coding to uncover these hidden responses,
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Reports on the topic "Consumers of financial services"

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Finch, John, and Chuks Otioma. Consumers as Innovators and the UK Financial Conduct Authority’s Consumer Duty. University of Glasgow and University of Strathclyde, 2025. https://doi.org/10.36399/gla.pubs.349742.

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We address the scope, purpose, and initial implementation from July 2023 of the UK Financial Conduct Authority’s (FCA) Consumer Duty. As an instance of financial regulation innovation, the Consumer Duty is having a major impact in the financial services sector and has impacted on the organisation of markets for financial services and in the interactions of consumers and providers. The Duty brings to prominence the ways in which the production, marketing and use of financial services products and services are strongly interrelated. It highlights: (1) Consumers’ financial literacy; (2) Providers
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Ali, Abdelrahman. Milestones and Challenges in Egypt’s Digital Financial Technology Adoption. Islamic Development Bank Institute, 2023. http://dx.doi.org/10.55780/re24041.

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Financial technology (Fintech) denotes the cutting-edge technologies transforming traditional financial services. Fintech involves the automation of financial service delivery, empowering financial service providers, businesses, and consumers to streamline their financial operations through specialized software on computers, smartphones, and various devices. Its scope has expanded beyond traditional financial services to encompass consumer-oriented sectors like education, retail banking, fundraising, digital currencies, and investment management. As with other nations, Egypt must embrace finan
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Debuque-Gonzales, Margarita, Ramona Maria Miral, and Mark Gerald Ruiz. Financial Inclusion, Financial Technology, and the COVID-19 Pandemic: The Philippine Case. Philippine Institute for Development Studies, 2024. http://dx.doi.org/10.62986/dp2023.45.

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The COVID-19 crisis created conditions for digital finance to accelerate financial inclusion in the Philippines. This paper explores different sources, including survey, administrative, and market data, to compare trends in account ownership and usage before and after the pandemic. Stylized facts about financial inclusion and demographic information across periods are then drawn based on probit regressions, with special focus on digital financial services. This is followed by an analysis of how service providers, consumers, and the government have shaped and continue to shape the digital finan
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Herrera, Diego, Walter Pereira, Ludmila Volochen, and Ana María Zárate Moreno. Open Finance in Latin America and the Caribbean: Great Opportunities, Large Challenges. Inter-American Development Bank, 2023. http://dx.doi.org/10.18235/0004937.

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This document is a comprehensive study of open finance, its context, and its value for the financial system in Latin America and the Caribbean. It also delves into the intricacies of the open finance ecosystem and analyzes its risks and opportunities. The document describes the status of the development of open finance in the region and discusses the challenges faced in implementing the ecosystem there. Finally, this text guides financial regulators and supervisors, considering international best practices and regional distinctions. This document examines how the regulatory framework can contr
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Zhao, Anita, Philippa Ward, and Ruffin Relja. Response to HM Treasury’s Consultation on BNPL Draft Legislation. Swansea University, 2025. https://doi.org/10.23889/sureport.69808.

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We are writing in response to HM Treasury’s consultation on the Draft Legislation "Regulation of Buy-Now, Pay-Later", published on 17 October 2024. As leading UK researchers specializing in BNPL at Swansea University and the University of Gloucestershire, we bring extensive expertise in consumer behaviour and financial decision-making. While we are not legal experts, our role as marketing researchers enables us to provide valuable insights into the broader implications of the proposed regulatory changes for both consumers and markets. We welcome the government’s commitment to establishing a fr
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Ellison, Tosha, Hilary Carter, Stephen Hendrick, et al. The 2021 State of Open Source in Financial Services. The Linux Foundation, 2021. https://doi.org/10.70828/jxvv1154.

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The increased prevalence, importance, and value of open source is well understood and widely reported by many industry surveys and studies. However, the rate at which different industries acknowledge this shift and adapt their own business and technology practices to capitalize on open source opportunities differs considerably. The financial services industry has been a long-time consumer of open source software. At the same time, open source software and standards development have not been activities at the core of financial services industry business models and technology strategies. Consequ
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Gangi, Massimiliano, Jami Hubbard Solli, and Jennifer Romero-Torres. Establishing a Financial Services Ombudsman in Mongolia: Experiences and Lessons from Armenia, Australia, and Singapore. Asian Development Bank, 2023. http://dx.doi.org/10.22617/wps230219-2.

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Alternative dispute resolution in the form of a financial ombudsperson, mediator, or arbiter adds value to the financial services sector. It can provide redress for high volumes of consumer complaints, establish rules of conduct for financial service providers, and improve the sector’s overall health and sustainability. This paper sets out insights from three long-standing financial alternative dispute resolution systems in Armenia, Australia, and Singapore. It outlines how the different systems work and highlights lessons for countries interested in developing similar arrangements to strength
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Francisco, Kris. Lifeline Rate and Senior Citizen Discount on Electricity: Who Pays and Who Benefits? (Socialized Pricing Mechanisms in the Philippine Electric Power Industry). Philippine Institute for Development Studies, 2024. https://doi.org/10.62986/dp2024.47.

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Socialized pricing mechanisms are common in utility services like electricity because these services are critical for daily activities and are therefore considered vital for economic growth. The aim of such mechanisms is to redistribute financial resources from well-off to marginalized consumers. This approach is seen as a way to improve the availability and affordability of essential services, thus enhancing overall social welfare. However, while the rationale for socialized pricing mechanisms is widely accepted, discussions related to funding have induced much debate. Some studies have found
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Lunn, Pete, Marek Bohacek, Jason Somerville, Áine Ní Choisdealbha, and Féidhlim McGowan. PRICE Lab: An Investigation of Consumers’ Capabilities with Complex Products. ESRI, 2016. https://doi.org/10.26504/bkmnext306.

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Executive Summary This report describes a series of experiments carried out by PRICE Lab, a research programme at the Economic and Social Research Institute (ESRI) jointly funded by the Central Bank of Ireland, the Commission for Energy Regulation, the Competition and Consumer Protection Commission and the Commission for Communications Regulation. The experiments were conducted with samples of Irish consumers aged 18-70 years and were designed to answer the following general research question: At what point do products become too complex for consumers to choose accurately between the good ones
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Albert, Jose Ramon. Towards Measuring the Platform Economy: Concepts, Indicators, and Issues. Philippine Institute for Development Studies, 2020. https://doi.org/10.62986/dp2020.28.

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As digital platforms provide consumers opportunities to interact with suppliers of goods and services through the internet, these platforms have radically transformed business activities, as well as the nature of work. The disruptions from the novel coronavirus pandemic also show how platforms enable people to cope with disruptions and to increasingly produce goods and services themselves in some sectors, such as transportation services, food and accommodation, and culture and recreational industries. These platforms provide intermediary and financial services, either implicitly or explicitly,
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