Academic literature on the topic 'Financial services integration'

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Journal articles on the topic "Financial services integration"

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Bain, Elisa A., and Ian R. Harper. "Integration of Financial Services." North American Actuarial Journal 4, no. 3 (2000): 1–19. http://dx.doi.org/10.1080/10920277.2000.10595920.

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Jacques, Bob St. "Integration of Financial Services." North American Actuarial Journal 4, no. 3 (2000): 111–12. http://dx.doi.org/10.1080/10920277.2000.10595928.

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Niu, Tianrun. "Investigating Blockchain Technology's Integration in Financial Services." Transactions on Computer Science and Intelligent Systems Research 6 (October 17, 2024): 153–63. http://dx.doi.org/10.62051/2c32mh89.

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This paper introduces a comprehensive analytical framework designed to assess the efficacy of blockchain technology in financial accounting and its broader implications for the financial sector. The analysis explores how blockchain can revolutionize financial accounting by enhancing both efficiency and accuracy, facilitating real-time financial reporting, and expediting audit processes. It also examines blockchain's current deployment across various financial domains, including insurance, banking, payment systems, asset trading, lending, and remittances, offering a detailed look at the technol
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Berger, Allen N. "The Integration of the Financial Services Industry." North American Actuarial Journal 4, no. 3 (2000): 25–45. http://dx.doi.org/10.1080/10920277.2000.10595922.

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Daniel, Jean-Pierre. "The Integration Of Financial Services in Europe." North American Actuarial Journal 4, no. 3 (2000): 53–63. http://dx.doi.org/10.1080/10920277.2000.10595925.

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Rakesh Kopperapu. "EMBEDDED FINANCE: HOW NON-FINANCIAL COMPANIES ARE SHAPING THE FUTURE OF FINANCIAL SERVICES." Journal of Science & Technology 10, no. 2 (2025): 23–38. https://doi.org/10.46243/jst.2025.v10.i02.pp23-38.

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This research investigates the integration of embedded finance solutions into non-financial firms,as well as the influence on customer accessibility and service delivery. This also explores theway regulatory compliance ensures consumer trust and successful integrations. Non-financialbusinesses can use strategic partnerships wherein financial institutions and technologycompanies develop efficient financial ecosystems. The future of Embedded Finance is standingon strategic partnership bases that will seamlessly work for financial experiences of the end-consumer.
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Goswami, Divya. "Technological Integration in Financial Management: A Bibliometric Analysis of Emerging Trends and Innovations." Journal of Technology Management for Growing Economies 15, no. 2 (2024): 47–55. https://doi.org/10.15415/jtmge/2024.152005.

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Background: The integration of advanced technologies, including AI, blockchain, and fintech, has significantly reshaped financial management. These inventions have improved ease of use, accountability, and accessibility while democratizing financial services across various sectors, such as automated advisory services. Purpose: This study aims to explore the fintech landscape of the technology integrated financial services by identifying key trends, institutions, and emerging innovations within the financial management domain. Methods: A bibliometric analysis was conducted on 1,319 Scopus artic
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Løken, Therese Dwyer, Marit Kristine Helgesen, Halvard Vike, and Catharina Bjørkquist. "Being bound and tied by the ropes of frugality: a case study on public management values and service integration." Journal of Health Organization and Management 36, no. 9 (2022): 95–111. http://dx.doi.org/10.1108/jhom-10-2020-0401.

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PurposeNew Public Management (NPM) has increased fragmentation in municipal health and social care organizations. In response, post-NPM reforms aim to enhance integration through service integration. Integration of municipal services is important for people with complex health and social challenges, such as concurrent substance abuse and mental health problems. This article explores the conditions for service integration in municipal health and social services by studying how public management values influence organizational and financial structures and professional practices.Design/methodolog
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Yank, Glenn R., David S. Hargrove, and King E. Davis. "Toward the financial integration of public mental health services." Community Mental Health Journal 28, no. 2 (1992): 97–109. http://dx.doi.org/10.1007/bf00754277.

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Garven, James R. "The Role of Electronic Commerce In Financial Services Integration." North American Actuarial Journal 4, no. 3 (2000): 64–70. http://dx.doi.org/10.1080/10920277.2000.10595926.

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Dissertations / Theses on the topic "Financial services integration"

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Horton, Theodore 1959. "Real estate developers and the financial revolution : integration into the financial services." Thesis, Massachusetts Institute of Technology, 1987. http://hdl.handle.net/1721.1/74793.

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Yuan, Yuan. "Financial Integration and Scope Efficiency: Post Gramm-Leach-Bliley." unrestricted, 2007. http://etd.gsu.edu/theses/available/etd-08162007-125830/.

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Thesis (Ph. D.)--Georgia State University, 2007.<br>Title from title page. Richard Phillips, committee chair; Larry Wall, Harold Skipper, Robert Klein, Martin Grace, committee member. Electronic text (155 p. : ill. (some col.)) : digital, PDF file. Description based on contents viewed Oct. 8, 2007. Includes bibliographical references (p. 104-116).
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Soni, Mayur. "Building corporate brand orientation through cross-functional integration within marketing brand orientation through cross-­‐functional integration within marketing." Diss., University of Pretoria, 2010. http://hdl.handle.net/2263/26355.

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Prior research defines brand orientation as an approach in which the processes of the organization revolve around the creation, development and protection of brand identity in an ongoing interaction with target customers with the aim of achieving lasting competitive advantages in the form of brands (Urde, 1999). This research paper examines how marketing managers perceive corporate brand orientation with a Financial services company, namely Standard Bank Group Limited (Standard Bank) and what influence cross-functional integration has in enhancing the level of brand orientation. The study desi
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Muller, Henrike. "Interests or ideas? : The regulation of insurance services and the European single market : trade liberalisation, risk regulation and limits to market integration." Thesis, University of Sussex, 2002. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.270713.

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This thesis takes as its starting point a set of questions raised by the regulatory politics school of thought. These questions are addressed from the specific perspective of the insurance sector during the European single market programme of the late 1980s to early 1990s. The focus is on German and British sectoral and governmental actors and their interaction with EC-level institutions (in particular the European Commission), rules and policies. The thesis addressesis sueso f regulatory autonomy, regime change, interest representation and the evolution of norms and ideas in the context of th
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Chimbombi, Ame Rebecca. "Regional integration of financial services regulation and supervision in the Southern African Development Community." Thesis, University of the Western Cape, 2015. http://hdl.handle.net/11394/4799.

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Magister Legum - LLM<br>The purpose of this research is to examine the legal and institutional framework of financial services supervision and regulation in SADC. In doing so the study will probe the various models of financial services regulation with the purpose of discerning what each model sets out to do and how, in doing so, it effectively exercises its function. This study answers the question: Is there a model of financial services regulation and supervision that is legally sound and best embraces SADC’s circumstances? The legal soundness will be extracted by examining which model achie
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Ghani, Usman A. (Usman Abdul). "Technologies and policies for the integration of financial services industry across the European communities." Thesis, Massachusetts Institute of Technology, 1991. http://hdl.handle.net/1721.1/61080.

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Matthews, Alexandra. "Integration of embodied conversational agents and pecuniary traits in usability design for financial services applications." Thesis, University of Edinburgh, 2009. http://hdl.handle.net/1842/15286.

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Mkiwa, Halfan. "The anticipated impact of GATS on the financial service industry in Africa." Thesis, University of the Western Cape, 2007. http://etd.uwc.ac.za/index.php?module=etd&action=viewtitle&id=gen8Srv25Nme4_6956_1219304028.

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<p>This study was on the anticipated impact of GATS on the financial services industry in Africa. The paper examined the possible positive and negative impact of the GATS agreement on the financial services industry in the African countries. The research focused on the banking sector and the insurance sector as the main financial sectors under investigation.</p>
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Єрмошенко, А. М. "Механізм інтеграції страхових компаній з банками". Thesis, Українська академія банківської справи Національного банку України, 2012. http://essuir.sumdu.edu.ua/handle/123456789/51437.

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Дисертація присвячена розвитку й уточненню теоретичних положень, організаційно-економічних, інформаційно-аналітичних і правових засад формування механізму інтеграції СК з банками з метою підвищення ефективності і зниження ризиків їхніх взаємовідносин. У дисертації обґрунтовано теоретичні засади інтеграції і складові механізму інтеграції страхових компаній з банками, досліджено основні передумови розвитку інтеграційних процесів між страховими компаніями і банками, а також вплив цих фінансових установ на стабільність фінансового ринку, виявлено сучасні стратегії інтеграції страхових компаній з
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Loub, David. "Finanční dozor v EU - srovnání ČR a Velké Británie." Master's thesis, Vysoké učení technické v Brně. Fakulta podnikatelská, 2009. http://www.nusl.cz/ntk/nusl-264839.

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On the first April 2006 came to the turning point in the Czech Republic in the sphere of supervision and regulation over financial market, whereby approach more ideal European markets. In the master's thesis I focus on the present state of supervision and regulation of the financial market in CR, but also on system development before the 1. April 2006. I also deal with operating system on the financial market in Great Britain. The aim of my thesis is comparison of supervision and regulation in the Czech Republic and Great Britain.
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Books on the topic "Financial services integration"

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Howell, Kerry E. Europeanization, European Integration and Financial Services. Palgrave Macmillan UK, 2004. http://dx.doi.org/10.1057/9780230503120.

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Ryan, Cillian. The integration of financial services and economic welfare after 1992. Centre for Economic Policy Research, 1992.

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Communities, Commission of the European. The European financial common market. Office for Official Publications of the European Communities, 1989.

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Terry, Nicholas Graham. 1992 and the integration of Europe's financial services markets. University of Edinburgh. Department of Business Studies, 1988.

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(Firm), Price Waterhouse. The "Cost of Non-Europe" in financial services. Commission of the European Communities, 1988.

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Hawawini, Gabriel A. "The transformation of the European financial services industry: Fromfragmentation to integration". INSEAD, 1986.

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Hawawini, Gabriel A. The transformation of the European financial services industry: From fragmentation to integration. Salomon Brothers Center for the Study of Financial Institutions, Leonard N. Stern School of Business, New York University, 1990.

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Canales-Kriljenko, Jorge Iván. Financial integration in Central America: Prospects and adjustment needs. International Monetary Fund, 2003.

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Milo, Melanie R. S. Financial services integration and consolidated supervision: Some issues to consider for the Philippines. Philippine Institute for Development Studies, 2005.

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Das, Rumeli. Strengthening financial sustainability through integration of voluntary counseling and testing services with other reproductive health services. Population Council, Frontiers in Reproductive Health, 2007.

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Book chapters on the topic "Financial services integration"

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Hindley, Brian. "Creating an Integrated EEC Market for Financial Services." In European Economic Integration. Springer Netherlands, 1991. http://dx.doi.org/10.1007/978-94-011-3919-9_12.

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Howell, Kerry E. "Re-assessing European Integration Theory." In Europeanization, European Integration and Financial Services. Palgrave Macmillan UK, 2004. http://dx.doi.org/10.1057/9780230503120_3.

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Howell, Kerry E. "General Introduction: Linking Levels of Theory and Methodological Approaches." In Europeanization, European Integration and Financial Services. Palgrave Macmillan UK, 2004. http://dx.doi.org/10.1057/9780230503120_1.

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Howell, Kerry E. "Macro Uploading and Supranational Institutions: Formulating the Financial Services Action Plan (FSAP)." In Europeanization, European Integration and Financial Services. Palgrave Macmillan UK, 2004. http://dx.doi.org/10.1057/9780230503120_10.

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Howell, Kerry E. "Europeanization Impacts on Member State Financial Services: Case Studies of the United Kingdom, Germany, Italy and Poland." In Europeanization, European Integration and Financial Services. Palgrave Macmillan UK, 2004. http://dx.doi.org/10.1057/9780230503120_11.

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Howell, Kerry E. "General Conclusions." In Europeanization, European Integration and Financial Services. Palgrave Macmillan UK, 2004. http://dx.doi.org/10.1057/9780230503120_12.

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Howell, Kerry E. "Recognizing Civil Constitutions: Hegel and Kant as the Basis of Integration Theory?" In Europeanization, European Integration and Financial Services. Palgrave Macmillan UK, 2004. http://dx.doi.org/10.1057/9780230503120_2.

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Howell, Kerry E. "Uploading, Downloading or Crossloading? Conceptualizing Europeanization and European Integration." In Europeanization, European Integration and Financial Services. Palgrave Macmillan UK, 2004. http://dx.doi.org/10.1057/9780230503120_4.

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Howell, Kerry E. "Europeanization and European Integration: Empirical and Historical Developments." In Europeanization, European Integration and Financial Services. Palgrave Macmillan UK, 2004. http://dx.doi.org/10.1057/9780230503120_5.

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Howell, Kerry E. "Macro Uploading and Shared Beliefs: The Single European Act and Economic and Monetary Union." In Europeanization, European Integration and Financial Services. Palgrave Macmillan UK, 2004. http://dx.doi.org/10.1057/9780230503120_6.

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Conference papers on the topic "Financial services integration"

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Tianzhe, Gao, and Wei Kongpeng. "The data integration of financial management system with digital campus platform." In 2013 International Conference on Services Science and Services Information Technology. WIT Press, 2014. http://dx.doi.org/10.2495/sssit131812.

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Sirenko, N. M., and K. A. Mikuliak. "STRATEGIC PRIORITIES OF FINANCIAL DEVELOPMENT IN THE CONDITIONS OF INTERNATIONAL INTEGRATION." In FOOD SECURITY OF UKRAINE IN THE CONDITIONS OF POST-WAR RECOVERY: GLOBAL AND NATIONAL DIMENSIONS. MYKOLAIV NATIONAL AGRARIAN UNIVERSITY, 2025. https://doi.org/10.31521/978-617-7149-86-5-96.

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the strategic priorities for the transformation of Ukraine's financial system in the context of international integration are considered, with an emphasis on harmonizing financial regulation with international standards, digitalization of financial services, development of institutional capacity, strengthening financial stability, and deepening international financial cooperation.
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Hernes, Marcin, and Jadwiga Sobieska-Karpińska. "Knowledge integration in multi-agent decision support system for financial e-services." In 2016 Federated Conference on Computer Science and Information Systems. IEEE, 2016. http://dx.doi.org/10.15439/2016f216.

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KENIG, EDUARD, and ANGELA SECRIERU. "REGIONAL FINANCIAL INTEGRATION – A SOLUTION TO STREAMLINE THE FINANCIAL SYSTEM OF THE REPUBLIC OF MOLDOVA." In COMPETITIVENESS AND INNOVATION IN THE KNOWLEDGE ECONOMY. Editura ASE, 2025. https://doi.org/10.24818/cike2024.44.

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The financial system in the Republic of Moldova does not have the potential to generate economies of scale. Consequently, the financial products and services provided are characterized by limited diversification, insufficient volume and high costs. Under these circumstances, one of the solutions that can help to overcome this impediment is Moldova’s financial integration at regional level. In the context of this research the authors have set the following objectives: to define the concept of regional financial integration; to identify and argue the benefits and negative effects of the process
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Brašić Stojanović, Jovana. "Značaj otvaranja poglavlja o finansijskim uslugama u cilju pristupanja Evropskoj uniji." In XVI Majsko savetovanje. University of Kragujevac, Faculty of Law, 2020. http://dx.doi.org/10.46793/upk20.165bs.

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The harmonization of legislation with the acquis communautaire enables the achievement of financial stability, a greater degree of integration into European economic flows and, consequently, a higher level of protection of service users, which confirms the importance of opening the Chapter 9 on Financial Services to the Republic of Serbia. The field of financial services is comprehensive and includes legal rules on a range of issues relevant to the functioning of the financial market, indicating the complexity and the potential for numerous challenges to arise during negotiations. The Republic
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Busson, Antonio J. G., Rennan Gaio, Rafael H. Rocha, et al. "Saturn Platform: Foundation Model Operations and Generative AI for Financial Services." In Anais Estendidos do Simpósio Brasileiro de Sistemas Multimídia e Web. Sociedade Brasileira de Computação - SBC, 2023. http://dx.doi.org/10.5753/webmedia_estendido.2023.234354.

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Saturn is an innovative platform that assists Foundation Model (FM) building and its integration with IT operations (Ops). It is custom-made to meet the requirements of data scientists, enabling them to effectively create and implement FMs while enhancing collaboration within their technical domain. By offering a wide range of tools and features, Saturn streamlines and automates different stages of FM development, making it an invaluable asset for data science teams. In this white paper, we discuss the expected impacts of Saturn on the financial sector.
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Chaturvedi, Dr Pritha, and Prof Sumit Kumar Sinha. "CUSTOMER-CENTRIC MANAGEMENT: INNOVATIONS IN THE BANKING INDUSTRY." In Transforming Knowledge: A Multidisciplinary Research on Integrative Learning Across Disciplines. The Bhopal School of Social Sciences, 2025. https://doi.org/10.51767/ic250103.

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Customer-centric management is a vital approach in the banking industry, where customer expectations and technological advancements are constantly evolving. Effective Customer Relationship Management (CRM) systems empower banks to enhance customer engagement, streamline operations, and build long-term loyalty. This article explores innovations in CRM that have revolutionized banking services, focusing on AI-driven chatbots, predictive analytics, hyper-personalization, and omnichannel integration. AI-powered virtual assistants, such as HDFC Bank’s EVA and Bank of America’s Erica, provide 24/7 s
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Stroia, Adina Nicoleta. "Financial literacy, education, and inclusion: interconnections and their impact on economic and social development." In International scientific conference "Development Through Research and Innovation" IDSC-2025. Academy of Economic Studies, 2025. https://doi.org/10.53486/dri2025.40.

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This paper explores the correspondence between financial literacy, financial education, and financial inclusion, as well as the impact these interdependent concepts have on economic and social development. The research was structured into three main stages: a theoretical analysis of the concepts, quantitative research for testing the formulated hypotheses, and qualitative research to deepen the understanding of perceptions regarding the studied phenomenon. The results highlight that financial literacy provides the necessary foundations for individuals to understand basic financial concepts and
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Chavarry Vallejos, Carlos Magno, Elizabet Clotilde Panana Holgado, Javier Eloy Solorzano Poma, et al. "Financial services in the development and execution of infrastructures for their integration into value chains." In 4th LACCEI International Multiconference on Entrepreneurship, Innovation and Regional Development (LEIRD 2024): "Creating solutions for a sustainable future: technology-based entrepreneurship". Latin American and Caribbean Consortium of Engineering Institutions, 2024. https://doi.org/10.18687/leird2024.1.1.334.

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Oprea, Isabelle, and Daniela Duță. "Integrating AI in Bank Digitalization: Strategies, Challenges and Future Perspectives." In 4th International Conference on FinTech, Cyberspace and Artificial Intelligence Law. ADJURIS – International Academic Publisher, 2024. http://dx.doi.org/10.62768/adjuris/2024/1/13.

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The paper delves into the burgeoning role of artificial intelligence (AI) within the realm of banking digitalization. It begins by contextualizing the necessity for banks to adapt to digital transformation, driven by the increasing demand for efficient, personalized banking services and the pressure of fintech competitors. The core of the paper is dedicated to discussing the multifaceted strategies that banks are employing to integrate AI technologies, including automated customer service, fraud detection algorithms, and personalized financial advice systems. Moreover, the paper highlights sig
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Reports on the topic "Financial services integration"

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Zahler, Roberto. Methodology for Negotiations in the Area of Financial Services. Inter-American Development Bank, 2003. http://dx.doi.org/10.18235/0012275.

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This paper discusses the role of integration and internationalization in Latin America in the area of Financial Services Negotiations (FSNs). Both integration and internationalization have become increasingly important at a multilateral level, such as within the World Trade Organization (WTO), as well as within Free Trade Agreements (FTAs). This paper presents: fundamental principles and a methodology that may contribute to improve the preparation and negotiation of financial services in countries in the region; a brief account and summary of the main characteristics of multilateral agreements
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Das, Rumeli, Kaushik Biswas, Pradeep Panda, M. E. Khan, and Rick Homan. Strengthening financial sustainability through integration of voluntary counseling and testing services with other reproductive health services. Population Council, 2007. http://dx.doi.org/10.31899/rh4.1162.

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Zahler, Roberto. Methodology for Negotiations in the Area of Financial Services (FSN). Inter-American Development Bank, 2003. http://dx.doi.org/10.18235/0006755.

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This presentation was commissioned by the Trade and Integration Network of the Regional Policy Dialogue for the 5th Hemispheric Meeting celebrated on August 14 and 15, 2003. This paper presents principles and a methodology that may contribute to improve the preparation of Financial Services Negotiations (FSNs) in countries in the Latin America. Included are a discussion of multilateral agreements; strategic considerations for FSNs; Financial Services Negotiations in Free Trade Agreements (FTAs), and the methodology of preparation for creating an FSN.
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Ali, Abdelrahman. Advancing Access to Digital Financial Services in Egypt. Islamic Development Bank Institute, 2023. http://dx.doi.org/10.55780/re24040.

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As urbanization accelerates, the income disparity between urban and rural residents has become one of the common issues in the development stages of many countries. Given the centrality of rural residents’ income to this challenge, it has rightly garnered extensive attention. Rural residents’ income serves as a vital statistical index, comprehensively reflecting changes in quality of life and providing a basis for monitoring rural poverty alleviation. It plays a crucial role in guiding governments and macro decision-making departments in formulating effective rural economic policies and develo
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Chotelal, Shreshta, Marla Dukharan, Jeetendra Khadan, and Melissa Marchand. Financial Inclusion and FinTech in Suriname. Inter-American Development Bank, 2022. http://dx.doi.org/10.18235/0003988.

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This paper examines the potential role FinTech can play to support Surinames financial inclusion efforts. Financial technologyor “FinTech”describes the integration of technology into financial services to improve their use and delivery to customers. More importantly, it has the potential to meet the needs of those population segments that are not the main target of traditional financial services models. FinTech applications include mobile banking, mobile money, point-of-sale, e-commerce, and digital currencies. These solutions have contributed to financial inclusion, strengthening financial de
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Wei, Wenbin, Nigel Blampied, and Raajmaathangi Sreevijay. Evaluation, Comparison, and Improvement Recommendations for Caltrans Financial Programming Processes and Tools. Mineta Transportation Institute, 2023. http://dx.doi.org/10.31979/mti.2023.2058.

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The California Transportation Improvement Program System (CTIPS) is the main tool used by Caltrans’ Division of Financial Programming to support the business of transportation programming. It is a multi-agency joint-use project programming database system applied to develop and manage various state and federal transportation programming documents. The goal of this project is to evaluate CTIPS and explore various new options that will maintain the current functionality of CTIPS, meet legislative guidelines for ADA compliance, ensure security of the system, and have sufficient scalability and ca
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Yeika, Eugene, Erica L. Kocher, and Carrie Ngongo. Integrating Noncommunicable Diseases into Antenatal Care in Cameroon: A Triangulated Qualitative Analysis. RTI Press, 2024. http://dx.doi.org/10.3768/rtipress.2024.rr.0051.2401.

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Noncommunicable diseases (NCDs) have important implications for pregnancy outcomes and the subsequent health of women and their children. The aim of this study is to determine the status of NCD and maternal health program integration, identify barriers to integration, and explore what would be required to deepen integration of NCD care into antenatal care in Cameroon. We used two methods of data collection and synthesis: a desk review of policy documents and protocols and a series of key informant interviews with health system experts and managers working in public, private, and faith-based he
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Mangrulkar, Amol, Archita Suryanarayanan, Elizabeth Shilpa Abraham, and Kirthan Shekar. Making of the Riparian Amphitheatre. Edited by Aromar Revi, Rahul Mehrotra, and Sanjay Prakash. Indian Institute for Human Settlements, 2023. http://dx.doi.org/10.24943/9788195847365.

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This book focuses on the five key design questions that have been addressed in the design of a Riparian Amphitheatre and its execution that have shaped its form, integration into land and waterscape, structure, services and choice of building material and systems. The book documents the attempts to present a balanced account of the processes; materials, energy, carbon and the financial costs involved, the time and effort taken to plan, design and construct the Riparian Amphitheatre at the IIHS Campus. The book will inform and inspire planners and designers of institutional campuses and public
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McKenna, Patrick, and Mark Evans. Emergency Relief and complex service delivery: Towards better outcomes. Queensland University of Technology, 2021. http://dx.doi.org/10.5204/rep.eprints.211133.

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Emergency Relief (ER) is a Department of Social Services (DSS) funded program, delivered by 197 community organisations (ER Providers) across Australia, to assist people facing a financial crisis with financial/material aid and referrals to other support programs. ER has been playing this important role in Australian communities since 1979. Without ER, more people living in Australia who experience a financial crisis might face further harm such as crippling debt or homelessness. The Emergency Relief National Coordination Group (NCG) was established in April 2020 at the start of the COVID-19 p
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Barros Weaver, Bernardo, and André Medici. Health Policies and Economic Blocks. Inter-American Development Bank, 2006. http://dx.doi.org/10.18235/0008946.

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This paper analyzes the roles of health goods and services markets within the regional integration process. It is a known fact that the consolidation of integrated markets is slower regarding social goods and services (as health and education) than among other goods and services (e.g. durable and non-durable consumption goods). The paper discusses the nature of the health sector and its global dimension, showing the peculiar features of health goods and services marked by economic complexity and (according to Arrow) information asymmetry. Despite that, the paper emphasizes old and new reasons
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