Relevant bibliographies by topics / Financial and credit services

Contents

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

Academic literature on the topic 'Financial and credit services'

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

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Journal articles on the topic "Financial and credit services"

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Рopelo, Olha V., Olena O. Tarasenko, and Maksym V. Dubyna. "Customization of Credit Institutions’ Services." Business Inform 8, no. 559 (2024): 372–78. http://dx.doi.org/10.32983/2222-4459-2024-8-372-378.

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The article is devoted to the study of customization of services of credit institutions and features of their implementation. IT solutions have been proven to change the way businesses are organized and communicated with customers. Among the promising areas of such innovations in the financial sphere, financial software solutions aimed at customizing the services of credit institutions are allocated. It is argued that the trend towards customization of services is relevant for the financial industry, credit institutions are interested in the development of personalized services and a customer-
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Ms., Ritika Gupta, and Keshav Gupta Dr. "INFORMATION TECHNOLOGY IN MICRO FINANCIAL SERVICES IN INDIA." International Journal of Marketing & Financial Management 3, no. 11 (2015): 38–48. https://doi.org/10.5281/zenodo.10811482.

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<strong>ABSTRACT </strong> &nbsp; Microfinance means providing very poor families with very small loans (micro credit) to help them engage in productive activities /small businesses. Over time, microfinance has come to include a broader range of services (credit, savings, insurance, etc.). the poor and the very poor who lack access to traditional formal financial institutions require a variety of financial products. In order to enable the poor people to access credit , there is a need to strengthen all the available channels of providing credit to the poor. such as Micro Finance Institutions ,
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Kozmenko, Serhiy, and Victoria Roienko. "Ensuring financial inclusion through insurance companies and credit unions." Insurance Markets and Companies 7, no. 1 (2016): 6–10. http://dx.doi.org/10.21511/imc.7(1).2016.01.

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The article analyzes modern tendencies and broadening dynamics of insurance companies’ and credit unions’ services in terms of world regions. The correlation analyses for finding lag relation between access broadening to the insurance companies’ and credit unions’ services and financial and economic parameters is held. The distribution-lag models for force and direction interrelation between access level to non-banking financial services and financial and economic regions development are elaborated. Keywords: financial inclusion, insurance company, credit union, lag, economic growth, regressio
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Lavryk, Oleksandr. "Credit and financial mediation." Economic Analysis, no. 33(2) (2023): 150–55. http://dx.doi.org/10.35774/econa2023.02.150.

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Introduction. The article is devoted to the study of the theoretical and methodological aspects of the analysis of the innovative strategy of credit creation by financial intermediaries, the analysis of the current state and prospects of its development, and the developed areas of improvement of the modern strategy of creation of credit by financial intermediaries in the conditions of the development of Ukraine. The work examines the content and features of the activity of credit created by financial intermediaries, provides a description of the methods of quantitative analysis of its current
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., Gustriani, Imam Asngari, Suhel ., and Ana Yulianita. "Determinants of Financial Inclusion for MSMEs: Evidence from Indonesia." Journal of Economics, Business, & Accountancy Ventura 26, no. 2 (2023): 122. http://dx.doi.org/10.14414/jebav.v26i2.3381.

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Enhancing the financial sector is paramount, as it can bolster public trust in financial institutions and consequently expand financial inclusion, particularly within the MSMEs sectors. This study employs the ARCH Maximum Likelihood Model to examine the impact of the banking industry’s financial soundness and macroeconomic conditions on the financial inclusion of MSMEs. The financial soundness of banks is gauged through pertinent financial metrics, including capital adequacy, profitability, credit risk, and liquidity. Moreover, the financial inclusion metric employs the count of account credit
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Yuvaraj K, Mr. "A Study on Financial Performance of Bank Using Financial Ratios Towards SBI." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 04 (2025): 1–9. https://doi.org/10.55041/ijsrem44140.

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The banking system is made up of financial institutions like credit unions and banks that provide a variety of financial services to individuals, companies, and governmental entities. The main functions of these services are deposit taking, loan disbursement, transaction processing, and provision of various financial goods, including credit cards, loans, and savings accounts. Because it makes it easier for money to move around and supports economic activity, banking is important to the economy. Banking has an indirect or direct impact on every person's daily life as well as the trade of a nati
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Yuvaraj K, Mr. "A Study on Financial Performance of Bank Using Financial Ratios Towards SBI." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 04 (2025): 1–9. https://doi.org/10.55041/ijsrem44167.

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The banking system is made up of financial institutions like credit unions and banks that provide a variety of financial services to individuals, companies, and governmental entities. The main functions of these services are deposit taking, loan disbursement, transaction processing, and provision of various financial goods, including credit cards, loans, and savings accounts. Because it makes it easier for money to move around and supports economic activity, banking is important to the economy. Banking has an indirect or direct impact on every person's daily life as well as the trade of a nati
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Panasyuk, I. S. "Provision of financial services by credit unions in Ukraine as an object of criminal research." Analytical and Comparative Jurisprudence, no. 2 (April 28, 2025): 871–76. https://doi.org/10.24144/2788-6018.2025.02.128.

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The article examines the issue of the provision of financial services by credit unions in Ukraine as an object of criminological research. The development of the financial sector, entrepreneurship and the competitive environment in Ukraine contributes to changes in all components of the financial market, in particular the financial services market. It is outlined that financial services are a transaction or several transactions related to one legal purpose, with financial means, carried out in the interests of persons other than the provider of such a financial service, as well as services dir
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Shittu, Adenike Kudirat. "Advances in AI-driven credit risk models for financial services optimization." International Journal of Multidisciplinary Research and Growth Evaluation 3, no. 1 (2022): 660–76. https://doi.org/10.54660/.ijmrge.2022.3.1-660-676.

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The rapid evolution of artificial intelligence (AI) has significantly transformed credit risk modeling, enhancing the efficiency and accuracy of financial services optimization. Traditional credit risk models, often reliant on static data and simplistic statistical techniques, are increasingly being replaced by AI-driven systems that integrate machine learning algorithms, big data analytics, and real-time insights. These advanced models enable financial institutions to assess creditworthiness with greater precision by analyzing diverse datasets, including transaction histories, behavioral patt
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Lavryk, Oleksandr. "Credit mechanism in financial mediation." Economic Analysis, no. 34(2) (2024): 124–29. http://dx.doi.org/10.35774/econa2024.02.124.

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Introduction. The article is devoted to the study of the theoretical and methodological aspects of the analysis of the strategy of the operation of the credit mechanism, the analysis of the current state and prospects for its development, and the directions for improving the modern strategy of creating a credit mechanism by financial intermediaries in the conditions of the development of Ukraine. The work examines the content and peculiarities of the activity of the credit mechanism created by financial intermediaries, provides a description of the methods of quantitative analysis of its curre
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Dissertations / Theses on the topic "Financial and credit services"

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Bare, Michael Burnett. "Credit union service organization products and services: Implications, decisions, and strategies." CSUSB ScholarWorks, 2005. https://scholarworks.lib.csusb.edu/etd-project/2930.

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Coetzee, Riaan. "The vat treatment of financial services linked to credit cards." Diss., University of Pretoria, 2013. http://hdl.handle.net/2263/41454.

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The treatment of financial services under the VAT has been one of the most contentious VAT issues since the origin of the VAT. Due to theoretical and measurement complexities, most countries opt to exempt financial services under the VAT. Exemption is the cause of all the controversy. Exempting supplies under the VAT compromises one of the corner-stones of the VAT – neutrality. South Africa is one of many countries that exempts most financial services under VAT. Credit card suppliers in South Africa offer a bundle of financial services comprising fee-based-charges and interest earned. The c
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Okurut, Francis Nathan. "Credit demand and credit rationing in the informal financial sector in Uganda." Thesis, Stellenbosch : Stellenbosch University, 2005. http://hdl.handle.net/10019.1/50308.

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Dissertation (PhD) -- University of Stellenbosch, 2005.<br>ENGLISH ABSTRACT: This study was motivated by the need to determine the key factors that influence credit demand and credit rationing in the informal financial markets so as to contribute to policy formulation to improve access for the poor in Uganda to the broader (formal and informal) financial sector. The results of the study suggest that credit demand in the informal financial sector is positively and significantly influenced by capacity related variables (education level, and household expenditure) at the household level, a
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Fuller, Duncan. "Financial exclusion and inclusion : credit union development in Kingston upon Hull." Thesis, University of Hull, 2000. http://hydra.hull.ac.uk/resources/hull:7026.

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Within the flourishing area of new economic geography, increased attention is currently being paid to a variety of 'alternative' sources of credit and finance. As one of these forms, British credit unions are currently particularly 'sexy'. One reason for this status relates to increasing interest (both within the academy and outside) in the role(s) credit unions can play in relieving the effects of financial exclusion and poverty throughout Britain. In the context of the growing concerns of 'New Labour' about these issues, credit unions are progressively being posited as one route to a more in
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Spiro, Valerie Sue. "Strategic marketing plan for Norton Community Credit Union." CSUSB ScholarWorks, 2001. https://scholarworks.lib.csusb.edu/etd-project/2042.

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Brennan, Marilyn. "The changing landscape of financial services in Manitoba: a location analysis of payday lenders, banks and credit unions." Institute of Urban Studies, 2011. http://hdl.handle.net/1993/8610.

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The Changing Landscape of Financial Services in Manitoba: A Location Analysis of Payday Lenders, Banks and Credit Unions ABSTRACT This study traces the emergence and expansion of payday lending outlets in Winnipeg and the rural Manitoba communities of Brandon, Portage la Prairie, Thompson and Dauphin during the period 1980-2009, in order to look for shifts over time in the site location strategies of payday lenders relative to mainstream banks. Location analysis, in the context of financial exclusion theory, is used to examine the spatial void hypothesis that mainstream banks ha
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Jorge, Maldonado Higinio. "Relationships among poverty, financial services, human capital, risk coping, and natural resources: Evidence from El Salvador and Bolivia." The Ohio State University, 2004. http://rave.ohiolink.edu/etdc/view?acc_num=osu1093505947.

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Casini, Paolo. "The industrial organization of financial services in developing and developed countries." Doctoral thesis, Universite Libre de Bruxelles, 2010. http://hdl.handle.net/2013/ULB-DIPOT:oai:dipot.ulb.ac.be:2013/210176.

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In the first part of the thesis I focus on credit markets in developing countries, and describe the competitive interaction between Microfinance Institutions (MFIs). <p>Microfinance has recently attracted a lot of attention from investors, politicians, scholars and, most of all, people working on development. As a results, a huge number of MFIs are being created all over the world so that, as of today, practitioners reckon that about 100 millions of customers are being served. Remarkably, about 67% of them are women. <p><p>The reason of this extraordinary effort is that Microfinance is conside
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Suplicy, Mariana Pereira. "The role of bank branches in local credit markets: evidence from Brazil." Universidade de São Paulo, 2016. http://www.teses.usp.br/teses/disponiveis/12/12138/tde-06052016-150907/.

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Credit is seen in Economic Literature as one of development drivers, promoting investment, smoothing consumption, allowing for risk sharing and the use of new production technologies. Our objective is to analyze if the physical presence of banks through bank branches is still relevant to develop local credit markets in Brazil. Since there are unobservable market characteristics that could drive both credit and bank entry, the relation between credit and branches may suffer from endogeneity. Therefore, the simple regression of credit on bank branches would be biased. To try to deal with this en
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Claude, Djekilamber. "Role of savings and credit cooperative societies in financial services development in Chad : a case of the Union Regionale des Cooperatives d Epargne et de Credit (URCOOPEC)." Thesis, Stellenbosch : Stellenbosch University, 2012. http://hdl.handle.net/10019.1/97164.

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Thesis (MDF)--Stellenbosch University, 2012.<br>Union Régionale des Coopèratives d’Epargne et de Crédit (URCOOPEC) is a network of 10 savings and credit cooperatives, established in 1990 by UNDP in Chad to support the government’s strategy of strengthening and improving access to financial services to the population. All the cooperatives are located in and around N’djaména the capital city of Chad. URCOOPEC has developed as a microfinance model owned by the community that is able to help the poor population that is excluded from the formal financial services accessing these services. Des
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Books on the topic "Financial and credit services"

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McNamara, Nora. Developing financial services: A case against sustainability. On Stream, 1998.

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Eliza, Alexandridou, ed. Financial services in Greece. Zentrum für Europäische Rechtspolitik an der Universität Bremen, 1994.

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Organisation for Economic co-operation and Development., ed. Consumer information about financial services. Organisation for Economic Co-operation and Development, 1992.

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Kibaara, Betty. Rural financial services in Kenya: What is working and why? Tegemeo Institute of Agricultural Policy and Development, 2008.

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Kibaara, Betty. Rural financial services in Kenya: What is working and why? Tegemeo Institute of Agricultural Policy and Development, 2008.

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Strickland, Julia B. 18th annual consumer financial services institute. Practising Law Institute, 2013.

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Strickland, Julia B. 16th annual consumer financial services institute. Practising Law Institute, 2011.

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Strickland, Julia B. 15th annual consumer financial services institute. Practising Law Institute, 2010.

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Institute, Practising Law, ed. 17th annual consumer financial services institute. Practising Law Institute, 2012.

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Strickland, Julia B. 19th annual consumer financial services institute. Practising Law Institute, 2014.

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Book chapters on the topic "Financial and credit services"

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Meidan, Arthur. "Marketing of Credit Cards." In Marketing Financial Services. Macmillan Education UK, 1996. http://dx.doi.org/10.1007/978-1-349-24475-1_5.

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Turner, Daphne, Peter Turner, and Philip Voysey. "Personal Finance and Credit." In Financial Services Today. Macmillan Education UK, 1996. http://dx.doi.org/10.1007/978-1-349-13731-2_13.

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Sawyer, Tony, and Ken Andrews. "Corporate Credit Analysis." In Current Issues in Financial Services. Macmillan Education UK, 1995. http://dx.doi.org/10.1007/978-1-349-24462-1_8.

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Paradi, Joseph C., H. David Sherman, and Fai Keung Tam. "Financial Services Beyond Banking: Credit Unions." In Data Envelopment Analysis in the Financial Services Industry. Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-69725-3_15.

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Ferguson, Michael E., and Stephen R. Peters. "Cultural Affinity and Lending Discrimination: The Impact of Underwriting Errors and Credit Risk Distribution on Applicant Denial Rates." In Discrimination in Financial Services. Springer US, 1997. http://dx.doi.org/10.1007/978-1-4615-6147-7_9.

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Hendershott, Patric H. "The Market for Home Mortgage Credit: Recent Changes and Future Prospects." In The Changing Market in Financial Services. Springer Netherlands, 1992. http://dx.doi.org/10.1007/978-94-011-2976-3_3.

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Yimer, Gebreyesus. "Informal Credit Market: A General Overview." In The Nexus Between Legal Pluralism and Inclusive Finance. Springer Nature Switzerland, 2024. https://doi.org/10.1007/978-3-031-71653-9_2.

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AbstractInformal credit markets are prevalent in many developing countries. Moneylenders, traders, unincorporated associations, families, and relatives provide credit and other financial services. In most cases, informal credit markets operate openly as they are not legally banned. However, they are also not subject to government regulation and control. So, they operate according to the local customs and norms. Informal credit markets play a critical role in the social and economic life of people with limited access to financial services from formal financial institutions. In this chapter, we
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Braun, Beat. "Neues Geschäftsmodell im Hypothekarbereich der CREDIT SUISSE FINANCIAL SERVICES." In Retail Banking im Informationszeitalter. Springer Berlin Heidelberg, 2002. http://dx.doi.org/10.1007/978-3-642-56063-7_5.

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Scott-Quinn, Brian. "Case Studies in Financial Services: Success and Failures." In Commercial and Investment Banking and the International Credit and Capital Markets. Palgrave Macmillan UK, 2012. http://dx.doi.org/10.1007/978-0-230-37048-7_27.

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Fletschner, Diana, and Lisa Kenney. "Rural Women’s Access to Financial Services: Credit, Savings, and Insurance." In Gender in Agriculture. Springer Netherlands, 2014. http://dx.doi.org/10.1007/978-94-017-8616-4_8.

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Conference papers on the topic "Financial and credit services"

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Hassan, Adel, and Rashid Jayousi. "Financial Services Credit Scoring System Using Data Mining." In 2020 IEEE 14th International Conference on Application of Information and Communication Technologies (AICT). IEEE, 2020. http://dx.doi.org/10.1109/aict50176.2020.9368572.

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Bocutoğlu, Ersan. "Have Credit Rating Agencies Got a Role in Triggering 2007 Global Financial Crisis?" In International Conference on Eurasian Economies. Eurasian Economists Association, 2015. http://dx.doi.org/10.36880/c06.01238.

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The efforts for understanding the 2007 Global Financial Crisis requires more elaborated studies on the institutions, processes and other micro foundations of financial services industry instead of studies solely on mainstream business cycles theories that have obviously failed in understanding, explaining and predicting the crisis. This paper attempts to investigate whether or not credit rating agencies had played a triggering role in 2007 Global Financial Crisis. It is a study of parties, institutions and processes within financial services market. It is well documented that the credit rating
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HÎRBU, EDUARD, and ANA HÎRBU. "RATING OF EMERGING G22 COUNTRIES ACCORDING TO THE INDEX OF TRADITIONAL FINANCIAL INCLUSION AND FINTECH." In COMPETITIVENESS AND INNOVATION IN THE KNOWLEDGE ECONOMY. Editura ASE, 2025. https://doi.org/10.24818/cike2024.51.

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Assessing the financial inclusion of countries must take into account both traditional methods and fintech innovations. They provide a complete picture of people’s access to and use of financial services, contributing to economic development and reducing inequalities. While traditional financial inclusion refers to access to and use of conventional financial services such as bank accounts, credit and insurance, fintech-based financial inclusion targets financial technologies that have revolutionized access to financial services, especially in regions where traditional banking infrastructure is
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Wang, Ying, Siming Li, and Zhangxi Lin. "Revealing Key Non-financial Factors for Online Credit-Scoring in e-Financing." In 2013 10th International Conference on Service Systems and Service Management (ICSSSM). IEEE, 2013. http://dx.doi.org/10.1109/icsssm.2013.6602651.

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Miao, Xinyu, and Haoran Wang. "Customer Churn Prediction on Credit Card Services using Random Forest Method." In 2022 7th International Conference on Financial Innovation and Economic Development (ICFIED 2022). Atlantis Press, 2022. http://dx.doi.org/10.2991/aebmr.k.220307.104.

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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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Han, Lihua. "Farmers' Financial Knowledge and Access to Formal Financial Credit in Rural China." In 2009 International Conference on Management and Service Science (MASS). IEEE, 2009. http://dx.doi.org/10.1109/icmss.2009.5302212.

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"Cost-effectiveness analysis of the international exchange of goods and services." In All-Russian Scientific Conference on Achievements of Science and Technology. Krasnoyarsk Science and Technology City Hall, 2021. http://dx.doi.org/10.47813/dnit.2021.2.368-375.

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Presents patterns of economic interaction between countries in the international exchange of goods and services, factors of production and financial and credit flows. An analysis of international economic relations and Russia's relations with international organizations is considered.
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Parne, Prudhvi. "Cloud Computing Strategy and Impact in Banking/Financial Services." In 5th International Conference on Computer Science and Information Technology (COMIT 2021). Academy and Industry Research Collaboration Center (AIRCC), 2021. http://dx.doi.org/10.5121/csit.2021.111704.

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With recent advances in technology, internet has drastically changed the computing world from the concept of parallel computing to distributed computing to grid computing and now to cloud computing. The evolution of cloud computing over the past few years is potentially one of the major advances in the history of computing. Unfortunately, many banks are still hesitant to adopt cloud technology. New technologies such as cloud and AI will have the biggest impacts on the banking industry. For banks and credit unions wanting to achieve greater business agility, cloud technology enables organizatio
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Gulko, Anzhelika, Tatyana Saprykina, and Elena Pashkova. "Payment Services Availability in the Context of Digital Transformation of Financial Markets." In 8th International Conference on Contemporary Problems in the Development of Economic, Financial and Credit Systems (DEFCS 2020). Atlantis Press, 2020. http://dx.doi.org/10.2991/aebmr.k.201215.004.

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Reports on the topic "Financial and credit services"

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Flaming, Mark, Martin Holtmann, and Rochus Mommartz. Technical Guide for the Analysis of Microenterprise Financial Institutions. Inter-American Development Bank, 1999. http://dx.doi.org/10.18235/0008869.

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The purpose of this technical guide is to provide a standard format for the analysis of institutions that provide financial services to the microenterprise sector. The technical guide outlines the appropriate techniques and scope of analysis for evaluating and designing programs of support to specialized financial institutions. The analytical techniques presented in this guide are structured to facilitate the process of institutional analysis and project design represented in the diagram below. The analytical framework applied in this technical guide is comprised of two basic components. The f
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Westley, Glenn D. Can Financial Market Policies Reduce Income Inequality? Inter-American Development Bank, 2001. http://dx.doi.org/10.18235/0008882.

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This paper seeks to answer two questions: How can we further develop a country¿s microfinance industry and what impact might this have on the country¿s income distribution?. Also it presents substantial arguments and data to support the contention that improving the access of micro and small enterprises to financial services could have an important salutary impact on a country's income distribution. To demonstrate this, the paper shows first that many poor own or are employed by smaller enterprises, second that smaller enterprises are indeed poorly served with formal and semi-formal credit, an
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Mariani, Lucas A., José Renato Haas Ornelas, and Bernardo Ricca. Banks’ Physical Footprint and Financial Technology Adoption. Inter-American Development Bank, 2023. http://dx.doi.org/10.18235/0004842.

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We investigate how the presence of physical bank branches moderates financial technology diffusion. Our identification strategy uses services suspensions caused by criminal groups that perform hit-and-run raids exploding branch facilities and rendering them inoperable for months. We show that the shock depletes the cash inventory of branches, but the stock of credit and deposits remain unaffected. We then document that customers increase their usage of noncash payments after the events. We investigate a new instant payment technology called Pix that was a remarkable success in terms of adoptio
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Diouf, Awa, Marco Carreras, and Fabrizio Santoro. Taxing Mobile Money in Kenya: Impact on Financial Inclusion. Institute of Development Studies, 2024. http://dx.doi.org/10.19088/ictd.2024.039.

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Financial inclusion – where individuals and businesses have access to useful and affordable financial products and services that meet their needs, delivered in a responsible and sustainable way – is a critical component of economic development. It is particularly important in sub-Saharan Africa (SSA), where there can be little traditional banking infrastructure. The success of M-PESA in Kenya shows that mobile money is helping financial inclusion in the region. Those in rural or underserved areas can use mobile money to access basic financial services – savings, payments, and credit – through
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Niesten, Hannelore. Are Digital and Traditional Financial Services Taxed the Same? A Comprehensive Assessment of Tax Policies in Nine African Countries. Institute of Development Studies, 2023. http://dx.doi.org/10.19088/ictd.2023.015.

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Several African countries have introduced taxes on digital financial services (DFS) during the past decade. Given the size and rapid growth of the telecom and DFS sector, DFS taxation is considered an opportunity to broaden the government’s revenue base. These recent developments need to be considered alongside the framework for taxation of traditional financial services (TFS) delivered by banks and other formal financial institutions – such as credit unions, insurance companies and microfinance institutions. The working paper analyses key legislative, tax and regulatory policy instruments, co
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Anderson, Erika, and Dominic Chalmers. The Shifting Locus of Authoritative Advice for Gen-Z and Their Financial Lives: An Opportunity for the Credit Union Sector? University of Glasgow and University of Strathclyde, 2025. https://doi.org/10.36399/gla.pubs.349744.

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Gen Z are reshaping the way financial advice is sought and acted upon. Moving away from traditional sources like family, banks, and financial advisors, younger generations are turning to social media platforms like TikTok and Instagram, where financial influencers —“finfluencers”— offer accessible, though often unregulated, advice. While this shift has democratized financial education, it has also introduced significant risks to advice-seekers, including misinformation, high-risk investment recommendations, and a lack of regulatory oversight. For Credit Unions, this transformation presents cha
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Quirós, Rodolfo, and Mark D. Wenner. Agricultural Credit Card Innovation: The Case of Financiera Trisan. Inter-American Development Bank, 2000. http://dx.doi.org/10.18235/0008881.

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The purpose of this paper is to analyze a program that extends credit cards to agricultural input suppliers and rural producers in Costa Rica and to determine whether this program is financially viable and potentially replicable in other rural areas of Latin America. A credit card program is very innovative and unusual for a rural setting. Normally, credit cards have been promoted in urban areas with business firms and salaried employees who have steady cash flows. Credit cards in rural areas are not as common because potential clients, especially agricultural producers, have more seasonal and
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Noah, Alphonse, and Ruth Tacneng. Cameroon’s Tax on Mobile Money: Implications for Agents’ Performance and Revenue Sustainability. Institute of Development Studies, 2024. http://dx.doi.org/10.19088/ictd.2024.034.

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Agents play a key role in making financial services more accessible, especially for those who are financially excluded. Agents act as intermediaries between mobile money account holders and mobile money service providers, helping them to register as new customers and to credit and take money out of their accounts. In this paper, we explore how introducing a 0.2 per cent tax on mobile money transactions in Cameroon in 2022 affected the performance and revenue of agents. We mainly analyse agents’ commission and transactions using the administrative databases of those responsible for daily manage
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Mader, Philip, Maren Duvendack, Adrienne Lees, Aurelie Larquemin, and Keir Macdonald. Enablers, Barriers and Impacts of Digital Financial Services: Insights from an Evidence Gap Map and Implications for Taxation. Institute of Development Studies, 2022. http://dx.doi.org/10.19088/ictd.2022.008.

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Digital financial services (DFS) have expanded rapidly over the last decade, particularly in sub-Saharan Africa. They have been accompanied by claims that they can alleviate poverty, empower women, help businesses grow, and improve macroeconomic outcomes and government effectiveness. As they have become more widespread, some controversy has arisen as governments have identified DFS revenues and profits as potential sources of tax revenue. Evidence-based policy in relation to taxing DFS requires an understanding of the enablers and barriers (preconditions) of DFS, as well as the impacts of DFS.
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Libertun de Duren, Nora Ruth. Household Led by Women: Understanding Access to Housing Credit in Latin America and the Caribbean. Inter-American Development Bank, 2023. http://dx.doi.org/10.18235/0005295.

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The share of Latin American and Caribbean households led by women is rapidly increasing, at the same time as these households are overrepresented among those living in housing deficit. In this study, we looked at whether there is a gender gap in access to housing loans, one of the main tools available to housing. In addition, we explored which are the characteristics of FHHs and to which extent they can have an impact on their access to adequate housing. This study shows how FHHs face greater housing deficits. Our findings indicate that gender gaps in other areas, most importantly in labor mar
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