Relevant bibliographies by topics / SDMS Financial Services in Use

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Academic literature on the topic 'SDMS Financial Services in Use'

Author: Grafiati
Published: 7 June 2025
Last updated: 16 July 2025

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Journal articles on the topic "SDMS Financial Services in Use"

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TWAHIRWA, Alexis, and Faustin MUGIRANEZA. "Use of School Data Management System (SDMS) For Performance of Students in Twelve Years Basic Education in Rwanda." International Journal of Social Science and Human Research 07, no. 10 (2024): 7804–10. https://doi.org/10.5281/zenodo.13951075.

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This paper assessed the use of school data management system in performance of students in twelve years basic education in Musanze District. The Research project aimed to achieve the following objectives: to evaluate the DSMS types of financial services in use for the performance of students of 12YBE; to assess the role of SMS academic evaluation in the performance of students of 12YBE; to show how SDMS helps in school infrastructure management for the performance of students of 12YBE; and to ascertain the effects of SDMS personal identification in the performance of students of 12YBE. The research project employed a descriptive survey design, incorporating both quantitative and qualitative methodologies. The target population was 1,130 respondents projecting in education sector Musanze District. In this Research project 339 respondents were sampled from 1,130 teaching staff. This sample was scientifically determined using an appropriate research project formula. The sample size was determined using Slovin’s formula. Stratified random sampling was implemented, wherein strata were established according to the schools. The primary data were collected using questionnaires elaborated for 339 respondents. For validity, the questionnaire was shared with seasoned research project for their inputs which were taken into consideration before piloting the questionnaire and conducting comprehensive data collection. The data analysis encompassed both quantitative and qualitative methods. Quantitative research project involved precise measurement techniques to yield accurate mathematical outcomes. Data were presented in tables and graphs, and quantitative data were analyzed and interpreted using the Statistical Package for Social Sciences (SPSS) software. The findings were done for only 330 respondents as 9 questionnaires were not returned. So, the findings from 330 respondents showed that the use of School Data Management Systems (SDMS) in Rwanda’s 12-Year Basic Education system has demonstrated significant potential to enhance educational practices and improve student outcomes. The comprehensive analysis conducted in this Research project reveals strong correlations between SDMS implementation and various facets of student performance, academic evaluation, infrastructure management, and personal identification. Recommendations have been provided to both SDMS users in schools and MINEDUC to optimize SDMS utilization, ensure sustainable implementation, and foster data-driven decision-making.
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Hassan, Adewale Samuel. "Factors Driving Artificial Intelligence Adoption in South Africa's Financial Services Sector." Academic Journal of Interdisciplinary Studies 13, no. 5 (2024): 394. http://dx.doi.org/10.36941/ajis-2024-0173.

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Incorporating digital technologies, particularly artificial intelligence, into financial services operations is imperative for achieving critical sustainable development goals (SDGs) through digital financial inclusion. This paper examines the drivers behind AI adoption in South Africa's financial services landscape, given its highly advanced financial sector and rapidly evolving digitisation trends. Drawing on the Technological-Organizational-Environmental (TOE) framework, the study investigates the factors influencing AI adoption through a comprehensive analysis of existing literature, a survey of financial services professionals and binary logistic regression. The results of binary logistic regression indicated that technological, organisational and environmental improvements significantly enhance the likelihood of AI adoption in South Africa's financial services sector. Specifically, access to technological infrastructure, organisational leadership support, and regulatory clarity emerge as key determinants of AI adoption. Overall, this study underscores the need for companies in the financial sector to encourage a culture that welcomes innovation and the integration of AI technology, as well as the need for policymakers to develop comprehensive and unambiguous legislative frameworks that control AI use in financial services. Received: 13 March 2024 / Accepted: 31 August 2024 / Published: 05 September 2024
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Mpofu, Favourate Y. "Industry 4.0 in Finance, Digital Financial Services and Digital Financial Inclusion in Developing Countries: Opportunities, Challenges, and Possible Policy Responses." International Journal of Economics and Financial Issues 14, no. 2 (2024): 120–35. http://dx.doi.org/10.32479/ijefi.15081.

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Fintech and the adoption of Fourth Industrial Revolution (industry 4.0) technologies have expanded the provision and uptake of digital financial services (DFSs) globally. Digital transformation in the financial industry intended to modify financial service provisioning by reducing the costs of accessing and challenges such as inaccessibility due to remoteness, not having a bank account, not having a credit history, or having erratic incomes. Digital financial inclusion (DFI) aims to ensure that financial services, such as deposits, payments, transfers, withdrawals, investments, accessing insurance and credit, checking account balances, receiving money, and making international remittances, are conducted conveniently, easily, safely, reliably, and affordably. DFI focuses on ensuring access to financial services through digital channels and platforms for individuals, businesses, and households, to promote financial inclusion for all stakeholders, especially previously financially excluded groups. Through a critical review of the literature, this study explores the opportunities and challenges of DFI or the adoption and use of DFS. The review unpacks the possible benefits of using DFSs, which include the broadening financial inclusion, increasing diversity and innovation in the financial services sector, attainment of the SDGs, reduction of poverty, increased economic growth, and minimization of the gender financial inclusion gap, as well as reduction in inequalities. The constraints include the inadequacy of digital infrastructure, taxes on DFS, literacy challenges, digital exclusion, poverty and the gender divide, risks, and lack of trust in the financial services sector. The study recommends appropriate regulation and oversight, literacy enhancement initiatives, investment in digital infrastructure, and increased consumer protection as measures to improve DFI in developing countries.
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Lopukhin, A. V., E. A. Plaksenkov, and S. N. Silvestrov. "Fintech as Accelerating Factor of Inclusive, Sustainable Development." World of new economy 16, no. 1 (2022): 28–44. http://dx.doi.org/10.26794/2220-6469-2022-16-1-28-44.

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This article focuses on the impact of the financial sector on inclusive, sustainable development. The paper aims to study the impact of the fintech industry and financial inclusion on the development of the financial system to achieve the UN SDGs. We discussed various approaches to the content of the “fintech” and “ecosystem” terms and offered an interpretation of the term “financial inclusion”. We used comparative and system analysis methods to study the publications of many authors who found that a developed and inclusive financial system affects the reduction of poverty and inequality, welfare and employment, consumer market, economic growth, sustainable development, etc. At the same time, we showed variants of the relationship between increased access to financial services and financial stability, which can both be positive and negative. The state of the financial services market in Russia, which ranks high in various ratings in terms of financial inclusion, is described in detail. Further, we considered the barriers to the growth of financial inclusion in Russia and ways to overcome them. The practical significance of the work lies in the possibility of its use in the development of key areas of financial market development. Next, more attention needs to be paid to regulatory influences on consumer behaviour in selecting services and their providers.
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Robles, Luis Fernando Zamudio, Roberto Burgueño Romero, and Bryan Alonso Ramos Mendias. "Managing Inclusion and Financial Education for Sustainable Development." Revista de Gestão Social e Ambiental 18, no. 10 (2024): e09544. http://dx.doi.org/10.24857/rgsa.v18n10-335.

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Objective: The objective of this study is to analyze the importance of effective management of financial inclusion and education in the context of sustainable development, highlighting its impact on the achievement of the SDGs. It also aims to identify the main challenges faced by vulnerable populations in accessing financial services and propose comprehensive strategies to improve financial literacy and accessibility, contributing to a more inclusive and equitable society. Theoretical Framework: For this research we have several relevant approaches and theories such as: financial inclusion theory; its relationship with the SDGs; financial education theory, as well as inclusion and sustainable development. Method: The methodology adopted for this research comprises a qualitative approach, based on the review of documents, public policies and government programs on financial inclusion and education to assess their effectiveness with respect to the SDGs. Data from the World Bank's Data Dashboard (The Global Findex Database, 2024) was analyzed using content analysis, which allowed identifying key themes and gaining a deeper understanding of the perceptions and experiences related to the evaluated programs.. Results and Discussion:The results obtained revealed that, although there is progress in financial inclusion in Mexico, there are still areas of opportunity to improve access to and use of financial services, especially among the most vulnerable segments of the population. It is necessary to highlight the need to continue working on the promotion of financial inclusion in Mexico and in other regions, through public policies that promote financial education, technological innovation, and collaboration between the public and private sectors. Research Implications: The practical implications of this research include the improvement of public policies and programs focused on financial inclusion and education, promoting more equitable access to financial services in vulnerable populations. At a theoretical level, the study provides a deeper understanding of the relationship between financial management and sustainable development, offering a conceptual framework that links financial inclusion with the SDGs. This strengthens the academic analysis on how financial education can drive inclusive economic growth. Originality/Value: The originality and value of this research lies in its focus on the direct relationship between financial inclusion and financial education with the SDGs, an area underdeveloped in the literature. The research offers a new perspective by assessing how financial education can be a key tool for achieving equitable and sustainable development. Its contribution to the literature is in providing a detailed analysis of public policies and government programs, highlighting their effectiveness and identifying areas for improvement, which brings a comprehensive and updated approach to the study of financial inclusion.
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Desello, Jared Martin U., and Mary Grace R. Agner. "Financial Inclusion and the Role of Financial Literacy in the Philippines." International Journal of Economics and Finance 15, no. 6 (2023): 27. http://dx.doi.org/10.5539/ijef.v15n6p27.

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Financial inclusion is increasingly seen as a key enabler of various development objectives. While not explicitly one of the UN Sustainable Development Goals (SDGs), financial inclusion is recognized as an important enabler for them. The Philippine central bank—the Bangko Sentral ng Pilipinas (BSP)—has even identified financial inclusion as a “national development agenda” that requires a conscious effort by various sectors to accelerate and enable its societal benefits. This paper studies the relationship between financial literacy and financial inclusion in the Philippines using data gathered from the 2019 Financial Inclusion Survey (FIS). We apply ownership of financial account and use of financial services as indicators of financial inclusion. Based on the results, financial literacy is a positive driver of financial inclusion. We calculated that a one-standard-deviation increase in financial literacy scores increased the likelihood of holding at least one account by 3.7 to 4.2 percentage points. On the other hand, a one-point increase in financial literacy scores improved the likelihood of availing of a financial service by 4.9 to 6.0 percentage points. The other drivers of owning at least one formal account and availing of financial services are age, gender, employment status, awareness of BSP’s programs, income above 40,000 PHP, and being the main household financial decision-maker. This paper aims to promote BSP’s agenda to bridge the financial inclusion gap and raise financial literacy levels in the country. With this study, the authors second BSP’s advocacy that financial inclusion is one of the instruments to attain sustainable and equitable development in the Philippines.
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Okello Candiya Bongomin, George, Pierre Yourougou, and John C. Munene. "Digital financial innovations in the twenty-first century." Journal of Economic and Administrative Sciences 36, no. 3 (2019): 185–203. http://dx.doi.org/10.1108/jeas-01-2019-0007.

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Purpose Premised on the assertion that financial digitalization is currently the panacea and game changer in delivering progress towards the sustainable development goals (SDGs) through universal financial inclusion, especially in developing countries, the purpose of this paper is to establish the moderating effect of transaction tax exemptions in the relationship between mobile money adoption and usage and financial inclusion. Design/methodology/approach A semi-structured questionnaire was used to collect data from 379 micro, small and medium enterprises (MSMEs), which use mobile money services drawn from the Northern District of Gulu in Uganda to provide responses for this study. The predictive relevancy and the effect size of the model were determined by running partial least square algorithm through structural equation model (SEM) with 5,000 bootstrap samples in SmartPLS-SEM 3.0. Findings The findings indicated that all the latent variables of transaction tax exemptions showed significant and positive impact on mobile money adoption and usage to advance financial inclusion in developing countries. Moreover, when combined together, the overall SEM predictive model revealed a significant moderating effect of transaction tax exemptions in the relationship between mobile money adoption and usage and financial inclusion. This implies that transaction tax exemptions on digital financial innovations such as the mobile money services can stimulate economic growth through increased level of financial inclusion labeled as the main enabler in achieving the SDGs by the year 2030. Research limitations/implications Whereas data were collected from users of mobile money services, the samples were drawn specifically from MSMEs’ owners located in the Northern District of Gulu in Uganda. Thus, users located in other districts were not included in the sample for this study. Similarly, this study limited itself to only financial services offered through the mobile money platform. It ignored other digital financial channels such as the internet and electronic banking. Practical implications Going forward, in order to improve the economic well-being of households at the “bottom of the pyramid,” governments in developing countries should embrace the significant role of transaction tax exemptions in promoting digital financial innovations such as the mobile money services for increased level of financial inclusion. The governments in developing countries where mobile money has greatly spurred financial inclusion should not only reduce the existing transaction taxes on mobile money services but scrap it off in order to champion progressive increase in the level of universal financial inclusion prescribed as a key enabler in eliminating global poverty, especially in developing countries. Originality/value This study hints on the moderating effect of transaction tax exemptions in the relationship between mobile money adoption and usage and financial inclusion. The paradox in the current trends on transaction taxes on mobile money services, especially in developing countries remain a dearth in the nascent global FINTECH ecosystem.
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Mpofu, Favourate Y. "Industry 4.0 in Financial Services: Mobile Money Taxes, Revenue Mobilisation, Financial Inclusion, and the Realisation of Sustainable Development Goals (SDGs) in Africa." Sustainability 14, no. 14 (2022): 8667. http://dx.doi.org/10.3390/su14148667.

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The use of mobile phones is a global phenomenon that provides developing countries with novel opportunities to enhance economic growth and facilitate improvement in the welfare of citizens. Governments have introduced mobile money taxes to improve tax revenue generation. This has been met with criticism by the public, media, and businesses on the basis that they hinder financial inclusion, constrain economic growth, and impede the attainment of some of the 2030 sustainable development goals, such as reduction in poverty, minimising inequality, building strong institutions, and providing decent work. Through a comprehensive critical review of literature, this study discusses mobile money taxes and their effects on revenue mobilisation, financial inclusion, and the attainment of the 2030 sustainable development goals. The findings reveal mixed opinions. While some scholars argued that mobile money taxes were instrumental in improving revenue generation, tax compliance, and reducing tax administration and compliance costs, some suggested otherwise, pointing out their negative impact. The unfavourable externalities include reduced financial inclusion, affordability challenges, reduction in usage of mobile money platforms, increased poverty and inequality, and ultimately the non-achievement of SDGs. The study contributes to the theoretical literature on the body of taxation and financial inclusion. It also gives insights to policymakers regarding likely implications of mobile money taxes.
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Sun, Yanlin, and Nagasha Scola. "Examining the Impact of Financial Inclusion on Unemployment in Africa (A Panel Data Analysis)." Academic Journal of Research and Scientific Publishing 5, no. 51 (2023): 23–50. http://dx.doi.org/10.52132/ajrsp.en.2023.51.2.

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Financial inclusion improves the accessibility of the poor and other marginalized groups to basic financial services such as savings, investments, credits, and insurance which directly influences income. This study uses panel data analysis and the two-step Generalized Method of Moments (GMM) estimation to empirically assess the relationship between financial inclusion and unemployment in 49 African countries from 2009 to 2020. The results show that financial inclusion has a negative and significant effect on unemployment. This supports the idea that financial inclusion can help African countries in job creation by reducing unemployment thus it suggests an increase in access and use of financial services. The study also finds that the effect of financial inclusion on unemployment is stronger in countries with higher levels of education. This suggests that education is an important factor in the relationship between financial inclusion and unemployment. The results of the study have important policy implications for African countries that want to reach the Sustainable Development Goals (SDGs). Especially, SDG-8 which promotes inclusive and sustained economic growth with full employment and productivity. Governments should introduce policies regarding the usage of mobile money and microfinance in rural areas to enhance financial inclusion. Moreover, sustaining of economic growth through encouraging foreign direct investment and new business creation may help bring down the unemployment rate.
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Frita, Nur, Ikhwan Hamdani , and Abrista Devi. "Pengaruh Inklusi Keuangan dan Bank Syariah terhadap Infrastruktur Nasional Dan Pertumbuhan Ekonomi Dalam Program SDGs." El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam 5, no. 1 (2021): 155–82. http://dx.doi.org/10.47467/elmal.v5i1.690.

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The uneven financial literacy of the Indonesian people indicates that there are people who have not been able to use the services of Islamic financial institutions, both financing and deposits at Islamic banks. The quality of infrastructure is still relatively poor so that the Sustainable Development Goals (SDGs) have not been created. This study aims to determine the effect of financial inclusion on economic growth, the influence of Islamic banks on economic growth, the effect of financial inclusion on infrastructure, and the influence of Islamic banks on infrastructure. This study uses associative quantitative research, using Financial Inclusion variables (Islamic Bank Third Party Funds) and Islamic Bank variables (Islamic Banking Financing) to find out whether there is an effect of these variables on the dependent variable, namely Economic Growth (GRDP) and National Infrastructure (Length). Streets). The data collected is secondary data and time series data. In this study using panel data regression method which is processed using Eviews 9. The findings of this study are that Financial Inclusion does not have a significant effect on Economic Growth, Financial Inclusion has a significant and positive effect on National Infrastructure, Islamic Banks do not have a significant influence on Economic Growth, and Islamic Banks do not have a significant influence on National Infrastructure. In the variables of Financial Inclusion, Islamic Banks, Economic Growth and National Infrastructure, it is recommended to use other, more varied indicators so that we can all reach how far the inclusiveness of Islamic finance in Indonesia. And, be more focused and can have a positive impact on the SDGs program broadly for the national and international community.
 Keywords: Financial Inclusion, Islamic Banks, Economic Growth, National Infrastructure, Sustainable Development Goals (SDGs).
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Dissertations / Theses on the topic "SDMS Financial Services in Use"

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Ignatovski, Stefan. "Sources of Financial Education and Use of Alternative Financial Services." ScholarWorks, 2019. https://scholarworks.waldenu.edu/dissertations/6794.

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As the lending practices of the alternative financial services (AFS) industry harm many consumers and consumers' access and use of traditional credit are restricted, the use of AFS is a growing concern. The financial education of consumers determines their financial behavior, which may be inadequate to make effective financial decisions regarding high-cost borrowings. The purpose of this quantitative study was to examine if and to what extent the sources of financial education is related to the use and frequency of use of AFSs among U.S. consumers. The theory of planned behavior and the transtheoretical model of change shaped the theoretical framework for this study. An explanatory correlational design was used to analyze archival data collected by the FINRA Investor Education Foundation for their 2015 National Financial Capability Study. Binary logistic and negative binomial regression analyses indicated that exposure to formal financial education did not contribute to reduced use and lower frequency of use of AFSs but, instead, contributed to the exact opposite. Only parental financial education was found to contribute to reduced use and lower frequency of use of AFSs. One-way ANOVA analyses indicated that all forms of financial education contributed to increased perceived financial knowledge. This study may lead to positive social change by informing policymakers about the necessary steps to remedy the problem of continuous AFS usage and serving as a foundation for future studies that should consider other factors beyond formal financial education that could influence the use and frequency of use of AFSs.
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Lee, Jihyun. "Factors affecting intention to use online financial services." The Ohio State University, 2004. http://rave.ohiolink.edu/etdc/view?acc_num=osu1064325414.

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Scott, Hubert. "Financial Literacy and the Use of Alternative Financial Services: A Behavioural Perspective." Thesis, Université d'Ottawa / University of Ottawa, 2020. http://hdl.handle.net/10393/41014.

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The extensive literature on financial literacy has sought to explain financial behaviours and decisions. On the asset side of the balance sheet, financial literacy is associated with good financial practice and wealth accumulation. On the liability side, however, the contribution of financial literacy to individuals’ financial decisions is not entirely clear. To add to this literature, as well as that of behavioural finance and alternative financial services, this research develops a conceptual framework based on Ajzen’s (1991) theory of planned behaviour (TPB). This framework links individuals’ attitudes to financial matters, subjective norms, perceived feasibility, financial knowledge, and behavioural biases that include overconfidence and present bias on the decision to obtain high-interest loans. The empirical tests of the developed framework suggest that individuals in distinct socio-economic groups have different antecedents that lead to borrowing from alternative financial services. For instance, individuals from low-income households are more likely to obtain these loans if they: do not have access to other forms of credit; struggle to pay their bills; are unemployed; or do not have access to advice from finance professionals. In turn, individuals from high-income households are more likely to obtain these loans if they lack financial knowledge or have behavioural biases like overconfidence or present bias. These results suggest the importance of access to professional advice while ensuring access to traditional means of obtaining credit for low-income individuals in order to reduce the negative effects of these high-interest loans. The results also confirm the importance of current policy initiatives to implement basic finance education in public school curriculums, and the urgency to seek effective approaches to address individuals’ cognitive assumptions.
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Mwakyusa, Bupe Joachim. "Determinants for the use of financial services in Tanzania : a study of behavioural factors." Thesis, University of Central Lancashire, 2017. http://clok.uclan.ac.uk/20712/.

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This study focuses on exploring the determinants of the use of financial services in Tanzania with respect to the role of household behavioural factors. This is achieved by attempting three interrelated research questions: i) What are the financial experiences of households in Tanzania? ii) What are beliefs held by households in Tanzania about the use of financial services? iii) What are the effects of household behavioural characteristics for intention to use financial services and subsequent usage of financial services? Both quantitative and qualitative research methods are employed to achieve the research objective. The empirical findings suggest that behavioural factors matter for the use of financial services. Firstly, the examination of household financial experiences on a sample of 30 households through the application of financial diary methodology revealed a variety of household financial experiences that highlight the necessity of financial services to households. Secondly, despite the fact that most households do not use financial services, it is found that households hold positive beliefs about financial services for saving facilities, security, finance, money management and improving economic well-being. Thirdly, structural equations models indicate that attitudes towards financial services, perceived behavioural control and subjective norms significantly impact the intention to use financial services. Perceived behavioural control is observed to prominently influence the use of financial services. The study offers the following contributions: Firstly, it develops a behavioural conceptual framework that integrates financial and psychological perspectives. This framework facilitates a broader understanding of the determinants for the use of financial services from various perspectives. Secondly, it provides distinct insights into the influence of behavioural characteristics in the use of financial services. This adds to the limited empirical literature about the determinants for the use of financial services specifically the effects of behavioural factors. Based on the findings, implications for financial inclusion initiatives and relevant future research have been identified.
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Cho, Joungill. "Effective use of customized incentives for trust-building in the online financial industry /." Full text (PDF) from UMI/Dissertation Abstracts International, 2000. http://wwwlib.umi.com/cr/utexas/fullcit?p3004233.

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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 variables into the model and investigated the use of SSTs among mature consumers in the financial services context. The thesis also examined the moderating effects of demographic characteristics on the relationships within the extended TAM (ETAM).Using cross sectional data from a sample of 208 mature consumers in Study 1, the original TAM and ETAM were tested. Based on these findings, improvements were made for Study 2, where the modified models were tested on data from a national sample of 2,253 mature consumers. Path analysis indicated that self-efficacy, technology discomfort, perceived risk and personal contact made a significant unique contribution to predicting attitude and behaviour over and above the two belief variables in TAM, perceived usefulness and perceived ease of use. The four variables in the ETAM were significant predictors of perceived usefulness and perceived ease of use. Results also suggested that age and education act as moderating variables in this model. These findings can serve as a basis for designing educational and communication strategies to foster greater use of SSTs in the financial context among mature consumers.A second aim of this thesis was to explore usage patterns of self-service banking technologies (SSBTs) among different segments of the mature consumer market in Australia. The diversity of the mature consumer market was reflected through establishing three behavioural segments, namely non-users, low users and medium-to-high users of SSBTs, providing a deeper understanding of mature consumers’ knowledge and patterns of behaviour towards using these technologies and personal services in the financial context.The findings contributed to the understanding of mature consumers’ behaviour towards SSBTs for academics, financial practice and policy formation by government and not-for-profit senior organisations responsible for improving financial literacy and productive ageing among mature consumers.
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Nino-Zarazua, Max M. "Financial services in a low-income area of Mexico City : from physical access to effective use." Thesis, University of Bath, 2006. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.425369.

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Evans, David A. "The Predisposition of Women to Use the Services of a Financial Planner for Saving and Investing." The Ohio State University, 2009. http://rave.ohiolink.edu/etdc/view?acc_num=osu1259767469.

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Rios, Monique Ann. "Facebook in Financial Services: A Case Study on Vanguard's Use of Facebook as a Marketing Tool." Thesis, The University of Arizona, 2011. http://hdl.handle.net/10150/144928.

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Nash, David Roger. "The use of bonus pay in the UK financial services sector : an application of principal agent theory." Thesis, University of Cambridge, 2003. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.619674.

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Books on the topic "SDMS Financial Services in Use"

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Group, Spectrem. The affluent investor and use of online features. Sprectrem Group, 2006.

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Healthcare Financial Management Association (U.S.) and HCIA (Firm), eds. Financial and clinical benchmarking: The strategic use of data. Healthcare Financial Management Association, 1997.

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American Institute of Certified Public Accountants. Financial Forecasts and Projections Task Force. Accountants' services on prospective financial statements for internal use only and partial presentations: January 5, 1990. AICPA, 1990.

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Fitzpatrick, Roger Timothy. The strategic use of information technology: With emphasis on the financial services sector in Ireland. University College Dublin, 1990.

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Honan, Valerie M. A survey of the extent of use of expert systems within the Irish financial services industry. University College Dublin, 1991.

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Company, A. M. Best, ed. The guide to understanding insurance ratings: How to use and explain the benchmark analysis to size up financial strength. A.M. Best Company, 2008.

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Organisation, National Sample Survey, ed. Travel and use of mass media and financial services by Indian households: NSS 54th round (Jan.-June 1998). National Sample Survey Organisation, Dept. of Statistics, Govt. of India, 1999.

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Feetham, Nigel. Protected cell companies: A guide to their implementation and use. Spiramus Press, 2008.

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Jane, Namaaji, and Kulathunga Anoma, eds. Remittance corridors from United Kingdom, United States, South Africa to Uganda: Challenges to linking remittances and use of formal financial services. World Bank, 2011.

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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 "SDMS Financial Services in Use"

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Adelabu, Dolapo Bola, and Angelinus C. Franke. "Beneficial Role of Pollination and Soil Fertility for Soybean Production in Mountainous Farming Conditions." In Sustainable Development Goals Series. Springer International Publishing, 2023. http://dx.doi.org/10.1007/978-3-031-15773-8_5.

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AbstractThe synergetic potentials of essential ecosystem services have not been well explored under mountainous farming conditions in southern Africa. Cropping practices that maximize beneficial pollinators and reduce dependency on chemical inputs through efficient crop management in the mountainous environment are needed. The synergetic potentials of insect pollination on soybeans under varying soil fertility during two seasons in Phuthaditjhaba, the Free State, South Africa was examined. We manipulated soil fertility with fertilizer treatments and used exclusion bags to manipulate pollination intensity. High intensity of pollination services increased the seed yield by approximately 0.5 tons per hectare on optimally fertilized soil and 0.3 tons per hectare on minimally fertilized soil. This study found complementary benefits of using appropriate fertilizer rates on crop pollination. It is an efficient way to minimize losses in crop production and improve yields. However, minimal fertilizer application that is common among smallholder farmers still gave substantial yield in insect pollinator-rich environments such as Phuthaditjhaba. This finding gives an immense advantage to farmers in Phuthaditjhaba who tend to minimize the use of fertilizer due to financial issues. Harnessing the prospects from these ecosystem service benefits would help local communities to attain sustainable food production (SDGs 2 and 15).
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Macchiaroli, Maria, Gianluigi De Mare, Luigi Dolores, and Marianna Del Vecchio. "Economic Growth and Land Use Restraint." In Lecture Notes in Networks and Systems. Springer International Publishing, 2023. http://dx.doi.org/10.1007/978-3-031-34211-0_13.

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AbstractThe injection of huge capital resulting from the European measures to cope with the pandemic (Next Generation EU) led to a revival of the economy which was then conditioned by the beginning of the war in Eastern Europe. The Italian situation promises considerable resources (PNRR) destined for the driving sectors of the production of goods and services. This will provoke the request for new settlement spaces for the rising companies and for the development of the existing ones. This need contrasts with the UN recommendations on the containment of land use (Sustainable Development Goals - SDGs - UN 2030), already supported by the European Commission (2012) in the guidelines for limiting, mitigating, and compensating for the waterproofing of the territory. Therefore, a gap is created between yearnings for economic growth and, on the other hand, urban and environmental sustainability, a dyscrasia which then finds a specific rebound in the regulatory-urbanistic condition of many municipalities whose areas of productive settlement must face up to nonrenewable expired expropriation constraints, despite the availability of lands included in the homogeneous areas intended for industrial settlement. If on the one hand this condition contains the transformation of new lands, on the other - in the presence of a strong demand for settlement - it entails the need to take a census of what is unused, to reacquire it to the public hand and to reintroduce it on the market at reasonable prices from a financial but also a social point of view. This study deals with this issue with reference to urban areas destined for industrial settlements, with reference to the definition of the problems of reacquisition, evaluation by reassignment and the discontinuity of the existing urban fabric due to the fragmented map made up of funds that become available again.The study presented will be followed, in the forthcoming publication, by the examination of a case study of an industrial area of the Italian territory.
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Lisowski, Jacek, and Anna Chojan. "The use of innovations in insurance." In Innovation in Financial Services. Routledge, 2020. http://dx.doi.org/10.4324/9781003051664-17.

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

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Ukpabi, Dandison C., Heikki Karjaluoto, Sunday A. Olaleye, and Salimat Modupe Abass. "Factors influencing mobile banking continuous use in Sub-Sahara Africa." In Marketing and Mobile Financial Services. Routledge, 2018. http://dx.doi.org/10.4324/9781351174466-5.

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Ramirez, Antonio, Bhanu Theja Satyani, Jovid Ismailov, and Lovepreet Singh. "Blockchain Use in the Financial Services Sectors." In The Auditor's Guide to Blockchain Technology. CRC Press, 2022. http://dx.doi.org/10.1201/9781003211723-5.

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Shaikh, Aijaz A., Richard Glavee-Geo, Heikki Karjaluoto, and Robert Ebo Hinson. "How is the use of mobile money services transforming lives in Ghana?" In Marketing and Mobile Financial Services. Routledge, 2018. http://dx.doi.org/10.4324/9781351174466-12.

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Greve, Goetz, and Frederike Meyer. "Analysis of the Use of Robo-Advisors as a Replacement for Personal Selling." In Palgrave Studies in Financial Services Technology. Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-40818-3_6.

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Lubchenco, Jane, and Peter M. Haugan. "Towards Ocean Equity." In The Blue Compendium. Springer International Publishing, 2023. http://dx.doi.org/10.1007/978-3-031-16277-0_13.

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AbstractThe blue economy is being promoted as capable of achieving sustainability and prosperity, fair use of the ocean and the UN Sustainable Development Goals (SDGs). Ensuring a more equitable distribution of goods and services provided by the ocean represents a major challenge. There is overwhelming evidence that current access to ocean benefits and resources, as well as exposure to harms, is distributed inequitably. This results in negative effects on the environment and human health, loss of livelihoods, limited financial opportunities for vulnerable groups and challenges to nutritional and food security. Powerful interests (including states, communities and economic entities) benefit from existing arrangements. Challenging inequality represents a direct threat to such interests. Inequality is increasingly influencing economic development and political stability. Current and recent examples of social unrest are closely associated with concerns about inequality, climate change, corruption and related societal problems perceived as having an unfair impact. Increased scientific attention to inequality is starting to shape debates associated with the ocean. We argue that there is a general policy blindness to instruments and practices that maintain the unfair status quo, but that there are remedies to such blindness. The purpose of this Blue Paper is to explore ocean inequities and suggest approaches for the just inclusion of diverse actors in the blue economy agenda and the equitable distribution of ocean benefits. First, we define inequity terms and their drivers, as well as how they affect sustainability. Second, we explore policies and practices that have (or have not) worked in favour of equity, while also promoting ecological sustainability. Finally, we provide opportunities for action for policymakers, funding and research institutions, international and non-governmental organisations, business leadership as well as civil society to address systemic aspects of inequities along a spectrum of ambitions, from basic to transformative. These opportunities for action are not intended as alternatives. They constitute complementary and reinforcing action to support and inform pathways to a sustainable and just ocean economy.
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Defrance, Pierre. "Financial Compensation for Environmental Services: The Case of the Evian Natural Mineral Water (France)." In Use of Economic Instruments in Water Policy. Springer International Publishing, 2015. http://dx.doi.org/10.1007/978-3-319-18287-2_24.

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Conference papers on the topic "SDMS Financial Services in Use"

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Amon, Aleksandra, and Timotej Jagrič. "Blockchain Technology in Banking as a Tool Towards the SDGs." In 7th FEB International Scientific Conference. University of Maribor, University Press, 2023. http://dx.doi.org/10.18690/um.epf.3.2023.46.

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Purpose of this paper is to investigate potential implications of blockchain in banking and its contribution towards the Sustainable Development Goals (SDGs). We use qualitative analysis based on case study analysis and netnography for determining existing and potential implications of blockchain in banking and their possible contributions towards the SDGs. This paper’s originality is finding specific potential contributions of blockchain technology in banking towards SDGs, such as towards ending poverty with increasing financial inclusion, promoting well-being for all with improving banking institutions’ performance and towards climate action by reducing banking institutions’ environmental print with digitalizing their processes and services.
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Eremenko, V. S., and V. V. Naumova. "A multi-platform ecosystem for computing in Earth sciences." In Spatial Data Processing for Monitoring of Natural and Anthropogenic Processes 2021. Crossref, 2021. http://dx.doi.org/10.25743/sdm.2021.70.81.010.

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Analysis of diverse data in geosciences requires access to various processing tools, including specialized software packages, proprietary algorithms, GIS systems, web services, etc. Such tools require from the user a certain level of skills to work with them, form a software environment, the availability of the necessary computing power, and sometimes significant time and financial costs. With the development of information technology, more and more software products, including professional software packages for data processing, are provided to users in the format of various cloud services and platforms. In such systems, computation takes place on the side of the service provider and is accessed through a web browser. The emergence of such open-access services and platforms makes it possible to organize a single workspace for a researcher with the ability to analyze his own data using various processing methods, including tools traditionally used in earth sciences. The report is devoted to the development of an approach for the integration of various tools for processing heterogeneous data with open access within a single multi-platform ecosystem. The software system developed based on the proposed approach is demonstrated. The report describes software modules that implement the functions of access to processing and analysis tools, as well as service modules for system administration, component monitoring and event logging. Services and processing platforms integrated into the ecosystem are considered, as well as scenarios for solving some geological problems.
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Turayeva, Gulizahro, Gayrat Berdiyev, Dostonbek Eshpulatov, et al. "OPPORTUNITIES TO USE FINANCIAL SERVICES – “1 C PROGRAM”." In ICFNDS '22: The 6th International Conference on Future Networks & Distributed Systems. ACM, 2022. http://dx.doi.org/10.1145/3584202.3584285.

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Ahmed, Khalid Basir, and Deepak Kumar. "Blockchain use Cases in Financial Services for Improving Security." In 2019 Third International Conference on Inventive Systems and Control (ICISC). IEEE, 2019. http://dx.doi.org/10.1109/icisc44355.2019.9036406.

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S, Vijayakumar Bharathi, Dhanya Pramod, and Ramakrishnan Raman. "Intention to use Artificial Intelligence services in Financial Investment Decisions." In 2022 International Conference on Decision Aid Sciences and Applications (DASA). IEEE, 2022. http://dx.doi.org/10.1109/dasa54658.2022.9765183.

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Matchaba-Hove, Tony. "YOUNG PROFESSIONALS’ INTENTIONS TO MAKE USE OF FINANCIAL PLANNING SERVICES: A SOUTH AFRICAN PERSPECTIVE." In 3rd Business & Management Conference, Lisbon. International Institute of Social and Economic Sciences, 2016. http://dx.doi.org/10.20472/bmc.2016.003.015.

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Yusupova, O. "ABOUT DIGITAL FINANCIAL ASSETS IN THE MODERN FINANCIAL SYSTEM." In Digital transformation in the economy of the transport complex. INFRA-M Academic Publishing LLC., 2025. https://doi.org/10.12737/conferencearticle_67893109664ea7.78315188.

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The article examines the role of digital financial assets (DFAs) in the modern financial system, proposes a classification of DFAs based on their content, and outlines their advantages. The author draws attention to the fact that the successful implementation of digital financial services in business and payment transactions is impossible without taking into account the risks accompanying their use and preventing threats.
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Rootman, Chantal, Janine Krüger, and Tony Matchaba-Hove. "THE SOUTH AFRICAN FINANCIAL SERVICES INDUSTRY: HOW TO USE MOTIVATIONAL FACTORS TO ENSURE EMPLOYEE SATISFACTION." In 3rd Business & Management Conference, Lisbon. International Institute of Social and Economic Sciences, 2016. http://dx.doi.org/10.20472/bmc.2016.003.019.

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Hidayah, Nurulia, Karen Slamet Hardjo, Ahmad Baidlowi, and Tiara Uji Lishianawati. "Assistance to Strengthen Micro, Small and Medium Enterprises (MSMEs) in Sanggrahan Village, Kranggan District,Temanggung Regency, Central Java." In 3rd International Conference on Community Engagement and Education for Sustainable Development. AIJR Publisher, 2023. http://dx.doi.org/10.21467/proceedings.151.38.

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Sanggrahan Village, Kranggan District, Temanggung Regency, has potential in the field of natural resources. Therefore, good resource processing is needed through MSMEs to produce good products. The problem faced by MSMEs in the village is the lack of the community’s ability to manage the existing potential. The purpose of this program is to optimize natural resources through the development of the community’s capacity so that it helps overcome the problems that occur and can be applied sustainably in the future by the community. Service activities are carried out in the form of socialization and training involving the active participation of participants. This activity has shown some positive results, such as participants' understanding of product packaging, financial management, and the use of social media. Product innovation was also strengthened through training on processing cassava peel chips and catfish head rengginang. This program supports increasing village independence and follows the 4th, 8th, 9th and 17th Sustainable Development Goals (SDGs) through education-based community service for sustainable development.
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Japarova, Damira. "Allocation and Use of Financial Resources in Health Care in Kyrgyzstan." In International Conference on Eurasian Economies. Eurasian Economists Association, 2017. http://dx.doi.org/10.36880/c08.01830.

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TThe distribution of the limited financial resources in the state hospitals in Kyrgyzstan is uneven. The problems associated with the current method of distribution of resources: the poor quality of services at the level of polyclinics and high hospitalization rates that require an evaluation of the budget allocation of healthcare organizations operating in the Single Payer system. In order to improve the efficiency of resource use it is suggested to review the principles of allocation of resources to the primary level of patient care.
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Reports on the topic "SDMS Financial Services in Use"

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Robinson, Andy. Monitoring and Evaluation for Rural Sanitation and Hygiene: Framework. Institute of Development Studies (IDS), 2021. http://dx.doi.org/10.19088/slh.2021.027.

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The monitoring and evaluation (M&E) Guidelines and Framework presented in this document (and in the accompanying M&E Indicator Framework) aim to encourage stakeholders in the rural sanitation and hygiene sector to take a more comprehensive, comparable and people focused approach to monitoring and evaluation. Many M&E frameworks currently reflect the interests and ambitions of particular implementing agencies – that is, community-led total sanitation (CLTS) interventions focused on open-defecation free (ODF) outcomes in triggered communities; market-based sanitation interventions focused on the number of products sold and whether sanitation businesses were profitable; and sanitation finance interventions reporting the number of facilities built using financial support. Few M&E frameworks have been designed to examine the overall sanitation and hygiene situation – to assess how interventions have affected sanitation and hygiene outcomes across an entire area (rather than just in specific target communities); to look at who (from the overall population) benefitted from the intervention, and who did not; to report on the level and quality of service used; or examine whether public health has improved. Since 2015, the Sustainable Development Goals (SDGs) have extended and deepened the international monitoring requirements for sanitation and hygiene. The 2030 SDG sanitation target 6.2 includes requirements to: • Achieve access to adequate sanitation and hygiene for all • Achieve access to equitable sanitation and hygiene for all • End open defecation • Pay special attention to the needs of women and girls • Pay special attention to those in vulnerable situations The 2030 SDG sanitation target calls for universal use of basic sanitation services, and for the elimination of open defecation, both of which require M&E systems that cover entire administration areas (i.e. every person and community within a district) and which are able to identify people and groups that lack services, or continue unsafe practices. Fortunately, the SDG requirements are well aligned with the sector trend towards system strengthening, in recognition that governments are responsible both for the provision of sustainable services and for monitoring the achievement of sustained outcomes. This document provides guidelines on the monitoring and evaluation of rural sanitation and hygiene, and presents an M&E framework that outlines core elements and features for reporting on progress towards the 2030 SDG sanitation target (and related national goals and targets for rural sanitation and hygiene), while also encouraging learning and accountability. Given wide variations in the ambition, capacity and resources available for monitoring and evaluation, it is apparent that not all of the M&E processes and indicators described will be appropriate for all stakeholders. The intention is to provide guidelines and details on useful and progressive approaches to monitoring rural sanitation and hygiene, from which a range of rural sanitation and hygiene duty bearers and practitioners – including governments, implementation agencies, development partners and service providers – can select and use those most appropriate to their needs. Eventually, it is hoped that all of the more progressive M&E elements and features will become standard, and be incorporated in all sector monitoring systems.
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Robinson, Andy. Monitoring and Evaluation for Rural Sanitation and Hygiene: Framework. Institute of Development Studies (IDS), 2021. http://dx.doi.org/10.19088/slh.2021.025.

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The monitoring and evaluation (M&E) Guidelines and Framework presented in this document (and in the accompanying M&E Indicator Framework) aim to encourage stakeholders in the rural sanitation and hygiene sector to take a more comprehensive, comparable and people focused approach to monitoring and evaluation. Many M&E frameworks currently reflect the interests and ambitions of particular implementing agencies – that is, community-led total sanitation (CLTS) interventions focused on open-defecation free (ODF) outcomes in triggered communities; market-based sanitation interventions focused on the number of products sold and whether sanitation businesses were profitable; and sanitation finance interventions reporting the number of facilities built using financial support. Few M&E frameworks have been designed to examine the overall sanitation and hygiene situation – to assess how interventions have affected sanitation and hygiene outcomes across an entire area (rather than just in specific target communities); to look at who (from the overall population) benefitted from the intervention, and who did not; to report on the level and quality of service used; or examine whether public health has improved. Since 2015, the Sustainable Development Goals (SDGs) have extended and deepened the international monitoring requirements for sanitation and hygiene. The 2030 SDG sanitation target 6.2 includes requirements to: • Achieve access to adequate sanitation and hygiene for all • Achieve access to equitable sanitation and hygiene for all • End open defecation • Pay special attention to the needs of women and girls • Pay special attention to those in vulnerable situations The 2030 SDG sanitation target calls for universal use of basic sanitation services, and for the elimination of open defecation, both of which require M&E systems that cover entire administration areas (i.e. every person and community within a district) and which are able to identify people and groups that lack services, or continue unsafe practices. Fortunately, the SDG requirements are well aligned with the sector trend towards system strengthening, in recognition that governments are responsible both for the provision of sustainable services and for monitoring the achievement of sustained outcomes. This document provides guidelines on the monitoring and evaluation of rural sanitation and hygiene, and presents an M&E framework that outlines core elements and features for reporting on progress towards the 2030 SDG sanitation target (and related national goals and targets for rural sanitation and hygiene), while also encouraging learning and accountability. Given wide variations in the ambition, capacity and resources available for monitoring and evaluation, it is apparent that not all of the M&E processes and indicators described will be appropriate for all stakeholders. The intention is to provide guidelines and details on useful and progressive approaches to monitoring rural sanitation and hygiene, from which a range of rural sanitation and hygiene duty bearers and practitioners – including governments, implementation agencies, development partners and service providers – can select and use those most appropriate to their needs. Eventually, it is hoped that all of the more progressive M&E elements and features will become standard, and be incorporated in all sector monitoring systems.
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Carter, Hilary, Cara Delia, Tosha Ellison, et al. The 2023 State of Open Source in Financial Services. The Linux Foundation, 2023. https://doi.org/10.70828/vgad9819.

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Linux Foundation Research has partnered with the Fintech Open Source Foundation (FINOS) for the last three years to study the financial services industry's use, contribution, and participation in open source. In its third year, the annual FINOS research report analyzes quantitative and qualitative data to understand industry-wide trends in open source adoption, from banking, to asset management, to hedge funds. In comparison with the 2021 and 2022 reports, this analysis illustrates directional shifts in use and contribution of open source software and acts as a resource for industry leaders to create or refine their open source strategy.
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Westley, Glenn D., and Luis Tejerina. Financial Services for the Poor: Household Survey Sources and Gaps in Borrowing and Saving. Inter-American Development Bank, 2007. http://dx.doi.org/10.18235/0008608.

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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 development, economic growth, poverty reduction, and socioeconomic development. We find that Suriname is making progress in promoting the development and use of FinTech. Still, there is room for further improvement, especially in fostering an enabling environment to harness FinTech opportunities, strengthening broader financial sector policies, addressing potential risks, promoting international collaboration, and addressing critical country-specific challenges.
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Santoro, Fabrizio, Laura Munoz, Wilson Prichard, and Giulia Mascagi. Digital Financial Services and Digital IDs: What Potential do They Have for Better Taxation in Africa? Institute of Development Studies (IDS), 2022. http://dx.doi.org/10.19088/ictd.2022.003.

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New digital technologies are now being widely used in Africa and lower-income countries (LICs). This has had an impact on tax administration, which has been increasingly digitised. Specifically Digital Financial Services (DFS) and digital IDs can improve tax administration. They have the potential to identify taxpayers more easily, communicate with them better, enforce and monitor compliance, and reduce compliance costs. While the potential is clear, existing literature indicates some of the barriers. Take-up of digital technology is still low due to barriers. Also, when taking up the technology, taxpayers often tend to adopt various measures to minimise tax payments. Within tax administrations there are challenges to accessibility and use of quality data. Mistakes can be made when launching digitisation, and there are regulatory and political barriers for effective use of digital technology. Given this context, this paper summarises key questions that are relevant for research and policy development to make more effective use of digital technology in tax administration in Africa and LICs.
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Diouf, Awa, Marco Carreras, and Fabrizio Santoro. Taxing Mobile Money in Kenya: Impact on Financial Inclusion. Institute of Development Studies, 2023. http://dx.doi.org/10.19088/ictd.2023.030.

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Many people argue that mobile money has the potential to increase financial inclusion and improve the livelihoods of poor people in Africa. However, while many African governments impose specific taxes on mobile money transactions, very little is known about their effect on the use of mobile money services. This study assesses the short- and long-term impact of the tax on money transfer fees that the Kenyan government introduced in 2013. The tax, more specifically an excise duty, was imposed on fees incurred in all money transactions, including mobile money. It was introduced at 10 per cent and increased to 12 per cent in 2018. Our analysis has two parts. We use country-level data to see if the tax affected the use of mobile money – transaction values and volume – and the number of active mobile money agents. In addition, we use four rounds of nationally representative survey data to estimate changes in the use of mobile money after introduction of the tax. We find that the excise duty did not have a significant impact on different aggregated indicators relating to the use of mobile money. However, survey data shows that the tax may have reduced the rate of increase in use of mobile money services affected by the changes in tax, such as sending and receiving money, compared to services that were not, like savings and paying bills. Importantly, while the amounts transacted may not change, users send and receive money within households less regularly. In addition, the tax seems to have a more detrimental impact on poorer households, which were less likely to be financially included before the tax was introduced. Larger households also show more negative effects after the tax. URI
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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 their mobile phones. This is critical for impoverished households, helping them to manage their finances, build resilience, and participate more actively in the economy. Financial inclusion aligns with broader development goals, such as poverty reduction and gender equality, by empowering marginalised groups, including women and small-scale entrepreneurs. However, taxation policies can be a threat to the adoption of mobile money in Africa. This study assesses the short and long-term impact of the Kenyan excise duty on the use of mobile money. Summary of ICTD Working Paper 168.
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Ali, Abdelrahman. Significance of Adopting Digital Financial Technologies in Egypt. Islamic Development Bank Institute, 2023. http://dx.doi.org/10.55780/re24033.

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Egypt has a growing population of more than 100 million, an increase of more than 7 million since the 2017 census. With this population growth, the country faces significant development challenges as its large and growing population is unbanked and underserved in financial services. Hence, Egypt exerts more efforts to promote and deliver affordable digital financial inclusion to expand its financial services outreach by encouraging private sector intervention. The private sector could contribute effectively to financial technology adoption through smartphones and instant payment applications. The Central Bank of Egypt has established an online Fintech portal (Fintech Egypt) to promote financial inclusion through digitalising start-up businesses and investors’ financial corporations. The country’s primary goal is to put all the financial institutions, providers, and users in an effective Fintech ecosystem, make financial services available for the Egyptians and promote financial inclusion through digital financial access. Another fintech initiative by the public sector is developing a new e-payments system for domestic use within the country’s territories. The central bank regulates this new e-payments system with the Egyptian national banks. To make the e-payments system effective, regulatory law number 18 was enacted in 2019. These public- and private-sector fintech initiatives are paving the way for Egypt’s adoption and implementation of financial technology. This technology adoption is expected to positively impact the life of the country’s unbanked and financially unreachable citizens by enhancing financial inclusion. This article elaborates on why digital financial inclusion is important for Egypt. Digital financial initiatives are expected to enable financial services to reach unreachable remote areas overcoming the physical and financial infrastructure barriers, particularly for 70% of disadvantaged citizens.
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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’ confidence that their products and services and communications about these are being understood; and (3) How providers are anticipating and coping with vulnerability among their customers. Together, these recognise consumers as being active, engaged, adaptive and innovative. We position the paper in terms of active consumption and market and marketing channels so as to focus on active consumers, and consumer vulnerability. To illustrate how the Consumer Duty is shaping the development, marketing and uses of financial services, we explore a sample of cases reported by the Financial Ombudsman Service, in which the issues referenced are akin to the elements addressed in the Consumer Duty. We find that consumer understanding is a prominent factor, which also impacts on a number of other categories and subcategories. We also see, through the perspective of Consumer Duty, a somewhat pacified or pacifying view of consumers and in some instances, tensions emerging between consumer adaptations and the contractual terms for financial products and services. This adds to our conceptual framing of market channel and its implications for consumer vulnerability.
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