Relevant bibliographies by topics / Financial consumers

Contents

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

Academic literature on the topic 'Financial consumers'

Author: Grafiati
Published: 4 June 2025
Last updated: 1 August 2025

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Journal articles on the topic "Financial consumers"

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AlHares, Aws, and Rawdha Elareer. "Financial technology and consumer financial satisfaction." Journal of Governance and Regulation 13, no. 1, special Issue (2024): 489–98. http://dx.doi.org/10.22495/jgrv13i1siart21.

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Financial technology (FinTech) quick development had a significant impact on consumers’ financial lives, particularly their level of financial pleasure. The rise of mobile payments has been somewhat accelerated by the advent of FinTech. This study’s goal is to examine how FinTech used in payments affects consumer financial happiness using information from the Organisation for Economic Co-operation and Development (OECD) 2018 and 2021 National Financial Capability Study (NFCS). Given that the consumer financial happiness variable is non-continuous and ordered, the probit regression approach is
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Meneau, Lisa K., and Janakiraman Moorthy. "Struggling to make ends meet: can consumer financial behaviors improve?" International Journal of Bank Marketing 40, no. 2 (2021): 263–96. http://dx.doi.org/10.1108/ijbm-12-2020-0595.

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PurposeThe purpose of the study is to examine the following two research objectives. The first was to examine the predictive relationships that consumer characteristics of financial literacy, thinking styles and self-control have with a consumer's financial behaviors. The second goal was to ascertain financial management products' ability to aid those consumers who need it the most by weakening the predictive effects of consumer traits on financial behaviors.Design/methodology/approachThe study employed a web-based survey to gather information. The measurement and structural models were analyz
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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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Chen, Fuzhong, Ji Zhang, Jing Jian Xiao, and Jinwei Chen. "Is Financial Education Positively Associated with Consumer Stock Market Satisfaction? Evidence from China." Discrete Dynamics in Nature and Society 2023 (March 6, 2023): 1–15. http://dx.doi.org/10.1155/2023/7924754.

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This study aims to investigate the associations between financial education and consumer stock market satisfaction. Consumer financial education is measured through the objective aspect incorporating formal and informal financial knowledge education, and the subjective aspect is reflected through consumers’ attitudes toward financial education. Using data from China’s urban consumers, the results indicate a positive association between financial education and consumer stock market satisfaction. The findings suggest that consumers who were financially literate at high schools or colleges are mo
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Siahtiri, Vida, Welf Hermann Weiger, Christian Tetteh-Afi, and Tobias Kraemer. "Can frontline employees help consumers improve their financial planning behavior? Implications from triadic analysis." European Journal of Marketing 58, no. 13 (2024): 130–58. http://dx.doi.org/10.1108/ejm-02-2023-0127.

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Purpose As consumer debt can substantially impair subjective well-being, it is crucial for research to gain insights into how consumers can be motivated to improve financial planning. This paper aims to investigate how frontline employees in financial services can help consumers regulate their financial planning behaviors and how financial service providers can effectively support their frontline employees in this effort through leadership and organizational climate. Design/methodology/approach We incorporate regulatory focus theory and conservation of resource theory to develop a conceptual m
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MUN, JUNWOO. "Improvement plan of the act on the protection of financial consumer related to local governments: focusing on the comparison of the act on the protection of financial consumer and the framework act on consumer." Legal Studies Institute of Chosun University 30, no. 1 (2023): 299–326. http://dx.doi.org/10.18189/isicu.2023.30.1.299.

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A summary of improvement plans for the act on the protection of financial consumer related to local governments is as follows.
 1. Article 1(purpose) of the act on the protection of financial consumer does not contain any content related to the ‘responsibility of local governments’. Article 1 of the act on the protection of financial consumer is “this act stipulates matters to be observed regarding the business of financial product sellers and financial product advisors, and national and local governments, in order to promote the rights and interests of financial consumers and establish a
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Dootson, Paula, Amanda Beatson, and Judy Drennan. "Financial institutions using social media – do consumers perceive value?" International Journal of Bank Marketing 34, no. 1 (2016): 9–36. http://dx.doi.org/10.1108/ijbm-06-2014-0079.

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Purpose – The purpose of this paper is to examine consumer perceptions of value of financial institutions using social media to interact with consumers; if overall perceived value predicts a consumer’s intention to adopt, and if intention predicts self-reported adoption of social media to interact with a financial institution; and if perceptions of value in using social media to interact with a financial institution changes over time. Design/methodology/approach – Self-administered surveys were run at two time points; 2010 and 2014. Data were analyzed using multiple and mediated regressions, a
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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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Koutsou, Stavriani, and Panagiota Sergaki. "Producers’ cooperative products in short food supply chains: consumers’ response." British Food Journal 122, no. 1 (2019): 198–211. http://dx.doi.org/10.1108/bfj-05-2018-0297.

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Purpose The purpose of this paper is to investigate an innovation concerning a short food supply chain (SFSC) created by a newly established producers’ cooperative in Greece that sells fresh milk to consumers via automatic vending machines; the consumers’ response toward this innovation; and the financial performance of the cooperative. Design/methodology/approach The case study focused on consumer’s attitudes toward the cooperative’s fresh milk sold by automatic vending machines and the cooperative’s financial performance. A structured questionnaire was answered by 912 consumers in Thessaloni
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Wang, Jiawen, and Qianqian Wang. "The Outlook of Financial Consumer Protection in China: Learning from the American Approach." Technium Social Sciences Journal 63 (November 9, 2024): 87–97. http://dx.doi.org/10.47577/tssj.v63i1.11853.

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In China, the range of financial derivative products has expanded considerably in recent years, with a corresponding increase in the complexity of these instruments. Financial institutions now offer a diverse array of financial products to consumers. There is a considerable disparity between financial consumers and financial institutions in a number of areas, including economic strength, social status, professional composition, negotiation ability and even judicial resources. Consequently, the topic of financial consumer protection is receiving increasing attention, and this issue is also a ma
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Dissertations / Theses on the topic "Financial consumers"

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Wang, Zhaoning. "Essays on Development Economics: Consumers, Firms, and Financial Institutions." Thesis, Harvard University, 2016. http://nrs.harvard.edu/urn-3:HUL.InstRepos:33493388.

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This dissertation presents three chapters addressing issues pertaining to consumers, firms, and financial institutions in the developing world. The first chapter, co-authored with Juan Ma and Tarun Khanna, evaluates the effect of voluntary information disclosure in incentivizing firms to deliver high quality in the absence of regulation. We present evidence from two field experiments in China’s infant milk powder industry, which is undergoing a serious consumer trust crisis after several safety scandals. Contrary to common beliefs, our results suggest that providing certain positive quality-re
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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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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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Khubchandani, Shaun. "How Are Inflation Expectations Formed by Consumers, Economists and the Financial Market?" Scholarship @ Claremont, 2010. http://scholarship.claremont.edu/cmc_theses/48.

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Inflation expectations have been of great interest to economists because they predict how agents in an economy set prices and react to changes in various macroeconomic variables. The existence of Keynesian liquidity traps in Japan and the United States have helped emphasize the importance of inflation expectations, especially when monetary policy is rendered ineffective and there is almost perfect substitutability between money and bonds due to the zero bound condition of interest rates. Given the canonical theories of rational and adaptive expectations, this paper will use a simple model of t
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Seitz, Michael. "Incomplete Contracts, Financial Frictions and Trade - Firms and Consumers in a Global Economy." Diss., lmu, 2011. http://nbn-resolving.de/urn:nbn:de:bvb:19-137274.

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Geddis, Frank. "More than consumers? : charting a new relationship between citizen, government and financial markets." Thesis, Queen's University Belfast, 2015. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.680120.

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Gait, Alsadek Hesain Abdelsalam, and na. "Libyan Attitudes towards Islamic Methods of Finance: An Empirical Analysis of Retail Consumers, Business Firms and Banks." Griffith University. Department of Accounting, Finance and Economics, 2009. http://www4.gu.edu.au:8080/adt-root/public/adt-QGU20100615.104528.

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Libya is a predominately Muslim country where Islamic finance has not yet been established. However, given the current extensive program of financial reform in Libya and the rapid growth and appeal of Islamic finance in comparable economies, there is growing pressure for a system of Islamic finance to be provided. There is then a pressing need for research into the prospects for Islamic finance from a consumer and provider perceptive to inform this debate and thereby meet the needs of policymakers, financial service providers and prospective users. Accordingly, this study of Libyan attitudes t
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Gait, Alsadek Hesain Abdelsalam. "Libyan Attitudes towards Islamic Methods of Finance: An Empirical Analysis of Retail Consumers, Business Firms and Banks." Thesis, Griffith University, 2009. http://hdl.handle.net/10072/366975.

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Libya is a predominately Muslim country where Islamic finance has not yet been established. However, given the current extensive program of financial reform in Libya and the rapid growth and appeal of Islamic finance in comparable economies, there is growing pressure for a system of Islamic finance to be provided. There is then a pressing need for research into the prospects for Islamic finance from a consumer and provider perceptive to inform this debate and thereby meet the needs of policymakers, financial service providers and prospective users. Accordingly, this study of Libyan attitudes t
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Koonce, Joan Carol. "Selected financial management attitudes and behaviors of low income elderly consumers : an exploratory study /." The Ohio State University, 1988. http://rave.ohiolink.edu/etdc/view?acc_num=osu1487594970650291.

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Books on the topic "Financial consumers"

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

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

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Education, Institute of Financial, ed. Retail banking: Serving the financial needs of consumers. 2nd ed. Institute of Financial Education, 1998.

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Fernandez-Corugedo, Emilio. Financial liberalisation and consumers' expenditure: 'FLIB' re-examined. Bank of England, 2002.

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Education, Institute of Financial, ed. Retail banking: Serving the financial needs of consumers. Institute of Financial Education, 1990.

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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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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 "Financial consumers"

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Persaud, Avinash D. "Protecting Consumers." In Reinventing Financial Regulation. Apress, 2015. http://dx.doi.org/10.1007/978-1-4302-4558-2_7.

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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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Serido, Joyce, and Veronica Deenanath. "Financial Parenting: Promoting Financial Self-Reliance of Young Consumers." In Handbook of Consumer Finance Research. Springer International Publishing, 2016. http://dx.doi.org/10.1007/978-3-319-28887-1_24.

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Zokaityte, Asta. "Edu-Regulating Consumers Through Access to Financial Advice." In Financial Literacy Education. Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-55017-6_6.

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Schmulow, Andrew D., and James O’Hara. "Protection of Financial Consumers in Australia." In An International Comparison of Financial Consumer Protection. Springer Singapore, 2018. http://dx.doi.org/10.1007/978-981-10-8441-6_2.

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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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Barkas, Panagiotis. "Consumer Protection and Financial Innovation: Microeconomic, Policy, and Behavioral Considerations for the Digital Era." In United Nations University Series on Regionalism. Springer Nature Switzerland, 2024. http://dx.doi.org/10.1007/978-3-031-68475-3_17.

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AbstractIn the digital era, financial innovation has transformed the financial services landscape, providing greater accessibility and convenience for consumers. Yet, the comparative advantages it presents and the facilities it has recently offered to firms and investors do not always come at a low cost, particularly in the form of externalities. These costs may appear while consumers use financial innovations or services that may engender predatory lending practices, the misuse of complex financial products, or other consumer threats. At the same time, governments and international bodies hav
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Kailiang, Ma. "Anti-discrimination efforts for insurance consumers." In Discrimination, Vulnerable Consumers and Financial Inclusion. Routledge, 2020. http://dx.doi.org/10.4324/9781003055075-5.

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Powley, Holly, and Keith Stanton. "Financial conduct in the UK’s banking sector." In Discrimination, Vulnerable Consumers and Financial Inclusion. Routledge, 2020. http://dx.doi.org/10.4324/9781003055075-12.

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Buit, Martha Elisabeth. "Consumer peer-to-peer lending and the promise of enhancing access to credit." In Discrimination, Vulnerable Consumers and Financial Inclusion. Routledge, 2020. http://dx.doi.org/10.4324/9781003055075-10.

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Conference papers on the topic "Financial consumers"

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Bottoni, Maria Paola Francesca. "ASSESSING TRANSITIONS TO SUSTAINABLE AGRIFOOD SYSTEMS: A LEGAL PROSPECTIVE." In 11th SWS International Scientific Conferences on SOCIAL SCIENCES - ISCSS 2024. SGEM WORLD SCIENCE, 2024. https://doi.org/10.35603/sws.iscss.2024/vs02/02.

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The global food system faces environmental, social and legal challenges. Primary production has become increasingly dependent on external inputs from industrial companies, which contribute to the rising cost of nutritious food and decreasing the income of producers, particularly the producers in primary production. Adopting alternative models of short food supply chains can reduces those negative effects and moves the agri-food supply chain towards some Agenda 2030 sustainable developments goals and aims of European Strategies in the agrifood field. The present paper analyses the benefits of a
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Koch, Gerhardus, Oliver Moghissi, and Graig Cilluffo. "Sustainable Corrosion Management for the Electric Power Industry." In CORROSION 2017. NACE International, 2017. https://doi.org/10.5006/c2017-09438.

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Abstract The global electric power industry is evolving at a rapid pace, using innovative technologies and tools to meet critical challenges involved in generating, transmitting, and distributing high-quality energy to an increasing number of consumers. These challenges include enhancing system reliability and performance, maximizing asset life, and reducing both operation and maintenance (O&M), as well as capital costs. Corrosion prevention is key to the power industry’s ability to achieve these goals and ensure safe and reliable performance while minimizing expenses. Whereas the technolo
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Guzun, Adrian. "Protection of clients' rights in the financial-banking field." In Rule of Law and Economic Resilience in the Context of Moldova's Accession to the European Union. Moldova State University, 2025. https://doi.org/10.59295/rler2024.15.

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For centuries, various laws have been enacted to protect consumers, relying on various legal forms to achieve their goals. These laws aim to ensure fairness, safety and transparency in consumer transactions. In addition to laws specifically designed to protect consumers, many other legal provisions indirectly protect consumers. For example, laws that simplify the prosecution of fraud, protect property rights, or facilitate litigation also serve to protect the interests of consumers. Because of this overlap, the boundaries of consumer protection law are not easily defined, being distinct in dif
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Rilak, Vladimir, Milan Radojković, and Dejan Bošković. "INSTALLATION OF FUSED IPC CONNECTOR ON UTILITY POLE." In 14. Savetovanje o elektrodistributivnim mrežama Srbije, sa regionalnim učešćem,. CIRED Liaison Committee of Serbia, 2024. http://dx.doi.org/10.46793/cired24.r-2.04vr.

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In Krusevac Branch of Elektrodistribucija Srbije , consumers of electricity face problems with power limiters that are installed in switch cabinets, both in the buildings and in pole mounted meter boxes. During frequent control done by linemen, it is found that inadequate power limiters are installed in meter boxes. They are often of higher amperage and often the lineman discovers that the power limiter is fake. In order to solve this problem, the method of limiting the power is applied, by installing an insulated waterproof connector with an integrated power limiter. Installation of such a co
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Rilak, Vladimir, Milan Radojković, and Dejan Bošković. "INSTALLATION OF FUSED IPC CONNECTOR ON UTILITY POLE." In 14. Savetovanje o elektrodistributivnim mrežama Srbije, sa regionalnim učešćem. CIRED Liaison Committee of Serbia, 2024. http://dx.doi.org/10.46793/cired24.i-2.04vr.

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In Krusevac Branch of Elektrodistribucija Srbije , consumers of electricity face problems with power limiters that are installed in switch cabinets, both in the buildings and in pole mounted meter boxes. During frequent control done by linemen, it is found that inadequate power limiters are installed in meter boxes. They are often of higher amperage and often the lineman discovers that the power limiter is fake. In order to solve this problem, the method of limiting the power is applied, by installing an insulated waterproof connector with an integrated power limiter. Installation of such a co
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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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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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Yang, Hui, Huaming Song, and Song Zhang. "Dynamic Pricing with Strategic and Myopic Consumers." In 2010 3rd International Conference on Business Intelligence and Financial Engineering (BIFE). IEEE, 2010. http://dx.doi.org/10.1109/bife.2010.34.

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Uryszek, Tomasz. "Preparation Financial Systems in the Digital World: Threat, Opportunities, and Challenges." In ‎4th International Conference on ‎Administrative ‎& Financial Sciences. Cihan University-Erbil, 2023. http://dx.doi.org/10.24086/icafs2023/paper.896.

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This paper examines the impact of digitalization on financial systems, exploring the threats, opportunities, and challenges they present. The analysis delves into the evolution of the financial landscape and its implications for financial institutions, regulators, and consumers. The paper highlights the importance of understanding these changes and developing appropriate policies, strategies, and regulations to capitalize on the benefits of technological advancements while mitigating potential risks and challenges. Furthermore, the study underscores the need for financial institutions to adapt
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Reports on the topic "Financial consumers"

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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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Vlaicu, Razvan. Digital Payments Adoption by Consumers and Firms: Implications for Financial Inclusion. Inter-American Development Bank, 2025. https://doi.org/10.18235/0013575.

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Digital payments have increasingly been adopted by consumers and firms in Latin America and the Caribbean. This policy research paper analyzes recent post-pandemic data on digital payments in the region to describe adoption patterns, measure adoption gaps, and identify adoption barriers. The data reveal a positive trend in the use of financial accounts for receiving wages, and of payment apps and digital wallets for purchases in-person and online. Despite increased average adoption, sizable gaps remain both between countries and within countries. At the consumer level, factors associated with
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Suleiman, Ajisatria, Thomas Dewaranu, and Noor Anjani. Creating Informed Consumers: Tracking Financial Literacy Programs in Indonesia. Center for Indonesian Policy Studies, 2022. http://dx.doi.org/10.35497/358319.

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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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5

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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Giannetto, Giacomo, Massimiliano Gangi, and Shagi Altankhuyag. Strengthening the Protection of Financial Consumers in Mongolia's Banking Sector. Asian Development Bank, 2019. http://dx.doi.org/10.22617/wps190581-2.

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Soramäki, Kimmo, and Florian Loecker. Preserving Data Sovereignty in National Fraud Portals- a Distributed Data Architecture. FNA, 2024. https://doi.org/10.69701/dhmk3850.

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As a result of the widespread increase in consumer fraud and scams, several countries are looking to establish or strengthen cross-bank, cross-platform, and cross-industry utilities to counter fraud and scams on the national level and to augment traditional efforts at individual financial institutions1. However, questions quickly arise about how data on consumers and their payments can and should be shared across institutions. Some data sharing across Financial Institutions (FIs) is crucial for fighting consumer fraud and scams as it enables organizations to track fraudulent funds across the p
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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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Lusardi, Annamaria, and Olivia Mitchell. How Ordinary Consumers Make Complex Economic Decisions: Financial Literacy and Retirement Readiness. National Bureau of Economic Research, 2009. http://dx.doi.org/10.3386/w15350.

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Gunther, Jilenne. Fighting Financial Exploitation on Person-to-Person Payment Platforms: What Consumers Want. AARP Public Policy Institute, 2024. http://dx.doi.org/10.26419/ppi.00213.001.

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