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IFC Mobile Money Study 2011

International Finance Corporation
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Trabalho em Andamento
EN_US
Relevância na Pesquisa
16.53%
Although a number of m-money businesses have emerged around the world, few have reached significant scale. Overall, m-money uptake is limited when contrasted with its apparent promises of reaching the unbanked and underserved, of servicing existing banking clients, and of being a means for a cashless society. This study examines the following in more detail: existing major money flows and the critical mass of low-value, high-volume payment transactions and whether m-money can be used for them (i.e., potential demand); regulatory environment and major obstacles for m-money uptake; business models of partnering institutions; payment behavior of users and nonusers (banked and unbanked), in particular where they receive funds and how they use money, including alternative means; and existing and potential agents networks, their requirements to run m-money as a viable business, and their training needs. This report provides detailed information regarding the five main topics as they relate to Brazil, business models...

IFC Mobile Money Study 2011

International Finance Corporation
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Trabalho em Andamento
EN_US
Relevância na Pesquisa
16.53%
Although a number of m-money businesses have emerged around the world, few have reached significant scale. Overall, m-money uptake is limited when contrasted with its apparent promise of reaching the unbanked and underserved, servicing existing banking clients, and being a means for realizing a cashless society. This study examines the following in more detail: existing major money flows and the critical mass of low-value, high-volume payment transactions and whether m-money can be used for them (i.e., potential demand); regulatory environment and major obstacles for m-money uptake; business models of partnering institutions; payment behavior of users and nonusers (banked and unbanked), in particular where they receive funds and how they use money, including alternative means; and existing and potential agents networks, their requirements to run m-money as a viable business, and their training needs. This report provides detailed information on Thailand regarding five main topics, business models, money flows and demand...

Financial Inclusion and Consumer Protection in Peru

Superintendence of Banks, Insurance and AFPs of Peru; Consultative Group to Assist the Poor
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Tipo: Relatório
EN_US
Relevância na Pesquisa
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As part of its Global Policy Initiative, Consultative Group to Assist the Poor (CGAP) partnered with the Superintendence of Banks, Insurance and AFPs of Peru in late 2008, with the purpose of enhancing the understanding of the issues and trends in consumer relations when financial services are delivered through branchless banking, particularly through agents, which are used in ever increasing scale in Peru. The product was this joint report. Three other countries with relevant experience in branchless banking (Kenya, Brazil and India) participated in a similar exercise at approximately the same time. As in the case of Peru, the exercise gave an opportunity for regulators of each jurisdiction to look at their regulatory and institutional framework for protecting branchless banking users, evaluate their regulatory and supervisory actions, and identify areas for improvements. A forthcoming CGAP focus note complements the effort, by making an overall evaluation of the lessons learned in these countries and drawing on the knowledge from other pioneer countries such as South Africa...

Jamaica Consumer Protection and Financial Literacy

World Bank; International Monetary Fund
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Relatório
EN_US
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This technical note is based on a mission conducted from April 24 to May 9, 2014 to Kingston and other parts of Jamaica. The mission also conducted a short mystery shopping exercise with the assistance of a representative from the national consumer’s league. Valuable comments on the draft note were provided by the Bank of Jamaica and the Financial Services Commission. The technical note consists of findings, issues and recommendations, and four annexes: annex one, existing structure for prudential and consumer protection supervision; annex two, current and revised legislation affecting financial consumer protection; annex three, comparison to world bank good practices on financial consumer protection; and annex four, national program of consumer protection and financial literacy, implementation plan components. The key recommendations present targeted measures that can be immediately implemented and will have a positive (and measurable) impact on public confidence in formal financial institutions. The focus of the technical note is on deposit-taking institutions although some aspects of others parts of the financial sector have been included.

Developing Scalable and Transparent Benefit Payment Systems in Myanmar

Stokkel, Inge
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Tipo: Relatório
EN_US
Relevância na Pesquisa
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Similar to other low-income countries, in Myanmar social protection benefits are usually provided through direct cash or food distribution. With the rapid development of the financial and telecommunications market in the country, there is the potential for a gradual transition to electronic payment systems for current and future social protection transfers, once adequate legal and regulatory frameworks are in place. This will make the delivery of payments cheaper, quicker, safer, and more transparent. In addition, increasing the connectivity of the people of Myanmar, especially the poor and vulnerable, to financial services will not only accelerate povertyreduction but also promote inclusive economic growth.

The electronic revolution: is the nation state redundant?

Broome, John
Fonte: Universidade Nacional da Austrália Publicador: Universidade Nacional da Austrália
Tipo: Working/Technical Paper Formato: 97919 bytes; 356 bytes; application/pdf; application/octet-stream
EN_AU
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[Introduction]: Today much of our daily business involves the use of the Internet and, through it, electronic commerce or e-commerce. We buy products and pay bills over the net. We access information for work, pleasure or to satisfy our curiosity. We have the ability to communicate with friends and colleagues across the city or across the world instantaneously. We have the ability to conduct research without ever visiting a library. But the revolution in life-style and work for each of us as individuals has been matched or exceeded by the changes this electronic revolution has brought to every sector of the business community. Massive changes in areas such as health, education and entertainment are also occurring. But what if it all suddenly stopped? What if the Australian Stock Exchange went off line for a day or even longer? What if the banks, most of whose business customers and a growing number of individual customers use and rely on line services, were shut down by a denial of service attack? What if the credit card systems were shut down and ATMs unable to function for a significant period? The result would be chaotic and the cost immense. A denial of service attack involves the sending of many messages to a site at the same time with the effect that the system is effectively ‘jammed’. If the perpetrator of what is a premeditated ‘terrorist’ attack on the target site decided to repeat the attack at various intervals (and from different locations) the disruption could be maintained for a significant period. Because of the nature of e-commerce the site must be accessible to the public and other businesses so a change of site name is no solution. Business would come to a standstill. In Australia the ASX is susceptible to a denial of service attack now that both brokers and individual traders rely on the net to do business. Such an attack would not only cost millions in lost business it may seriously affect the value of the dollar. If a number of financial institutions were targeted at once it would further exacerbate the apparent perception that the Australian economy is old world rather than new. That perception is often cited as the reason for the continued fall in the value of the Australian dollar. In short we would face an economic catastrophe. It is ironic that the extent to which Australia has adopted electronic commerce makes it so vulnerable. Such an attack would...

Compressed strip: The deceleration of the automobile

Cruz, Maria del Carmen
Fonte: Universidade Rice Publicador: Universidade Rice
ENG
Relevância na Pesquisa
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I am interested in erasing the disparity between the body and the automobile by allowing both to participate in a new and common public space simultaneously. This new public space incorporates various diverse models of trade; bazaar, market, ATMs, drive through restaurant etc...into a series of striated zones or bands having to do with the deceleration of the automobile. The car by virtue of its speed becomes the pedestrian and its space becomes a market. By annexing a portion of the set back off the street for slow traffic the first transition zone is established for the automobile. This allows motorists visual access to the business and amenities. The second zone is compromised of a series of drive through booths for the businesses on the lot. Within this band are permanent stalls for temporary or seasonal venders. The last zone farthest off the street is reserved for the traditional store restaurant and businesses.

Metodología para la validación y evaluación remota de implementaciones de protocolos de seguridad. Aplicación a la arquitectura IPsec

Izquierdo Manzanares, Antonio
Fonte: Universidade Carlos III de Madrid Publicador: Universidade Carlos III de Madrid
Tipo: info:eu-repo/semantics/doctoralThesis; info:eu-repo/semantics/doctoralThesis Formato: application/pdf; text/plain
SPA
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Las redes de comunicaciones han pasado a ser parte fundamental de las tecnologías de la información, siendo el medio a través del cual los sistemas informáticos de todo tipo (desde ordenadores personales hasta cajeros automáticos y ordenadores de a bordo en los coches) intercambian la información que necesitan para llevar a cabo las tareas para las que han sido diseñados. Estos intercambios de información están regidos por protocolos de comunicaciones que gobiernan la forma en la que diferentes entidades proceden a enviarse la información de la forma más eficiente y conveniente posible. En muchas ocasiones estos intercambios de información requieren de servicios de seguridad (como son la confidencialidad, la autenticación o el no repudio) de los que carecen los protocolos diseñados al comienzo de la expansión de las redes de comunicaciones (protocolos que son los más extendidos y utilizados en la actualidad). Para cubrir este vacío de seguridad se han diseñado y estandarizado protocolos y arquitecturas de seguridad que proporcionan los servicios de seguridad requeridos al resto de protocolos de comunicaciones. La arquitectura de seguridad IPsec está ampliamente extendida debido a su transparencia de cara a aplicaciones y usuarios...

Training older adults to use automatic teller machines

Rogers, Wendy A.; Fisk, Arthur D.; Mead, Sherry E.; Walker, Neff; Cabrera, Elizabeth F.
Fonte: Human Factors and Ergonomics Society Publicador: Human Factors and Ergonomics Society
Tipo: Artigo de Revista Científica Formato: text/plain; application/pdf
Publicado em /09/1996 ENG
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The present study assessed the success of several instructional programs in teaching the use of automatic teller machines (ATMs). Fifty-six older adults (aged 61 to 81) participated in the study, randomly assigned to each of four, 14-member groups. The description group received only a general overview of an ATM; the text guide group received written instructions for performing various transactions on an ATM; the pictorial guide group received written instructions accompanied by pictures of corresponding ATM screens; and the online tutorial group completed a step-by-step tutorial on a simulated ATM. Participants practiced on an ATM simulator. They were tested after a 24-h interval on their ability to perform familiar transactions on an unfamiliar ATM simulator and to perform completely novel transactions. Accuracy was best for the online tutorial group, intermediate for the text and pictorial guide groups, and worst for the description group. These data demonstrate both the importance of providing older adults with ATM training and the fact that the type of training influences the level of performance. The online tutorial, which provided specific practice on the task components, best facilitated acquisition and transfer performance

Distribuição de produtos e serviços bancários: desintermediação financeira na ótica de marketing; Product distribution and banking: financial disintermediation in the marketing perspective

Pereira, Henrique da Costa
Fonte: Biblioteca Digitais de Teses e Dissertações da USP Publicador: Biblioteca Digitais de Teses e Dissertações da USP
Tipo: Dissertação de Mestrado Formato: application/pdf
Publicado em 11/08/2015 PT
Relevância na Pesquisa
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Este trabalho trata sobre marketing bancário, mais precisamente sobre o processo de distribuição de produtos e serviços bancários. O processo de distribuição dos bancos sempre se caracterizou por uma distribuição direta. Inicialmente, através exclusivamente de uma rede de agências próprias. Posteriormente, ampliando o atendimento para caixas eletrônicos, internet banking, telefone, todas formas de atendimento direto. Recentemente, alguns varejistas passaram a oferecer produtos financeiros diretamente para seus clientes, num processo chamado de desintermediação financeira. O sistema bancário captou esta oportunidade e, ao invés de entrar em competição com os varejistas, adotou a desintermediação financeira como um canal indireto de distribuição, tornando os varejistas correspondentes bancários. O objetivo deste trabalho é compreender a deseintermediação financeira sob a ótica de marketing. No processo de desintermediação financeira analisado, os correspondentes bancários surgem como um canal indireto de distribuição. A introdução deste novo canal altera alguns conceitos do marketing bancário, produz mudanças nos relacionamentos dos clientes com as instituições financeiras, cria novas oportunidades e abre novos mercados ao setor bancário. Dada à concentração do mercado em cinco grandes bancos (Banco Itaú...

Access to Financial Services and the Financial Inclusion Agenda around the World : A Cross-Country Analysis with a New Data Set

Ardic, Oya Pinar; Heimann, Maximilien; Mylenko, Nataliya
Fonte: Banco Mundial Publicador: Banco Mundial
Tipo: Publications & Research :: Policy Research Working Paper
ENGLISH
Relevância na Pesquisa
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Recent empirical evidence highlights that access to basic financial services can make a substantial positive difference in improving poor people's lives. Accordingly, financial sector reforms that promote financial inclusion are increasingly at the core of policymakers agendas. The Consultative Group to Assist the Poor and the World Bank Group, in response, launched the Financial Access project, including a cross-country database on financial inclusion topics and an annual report to inform the policy debate. Using this database, this paper (i) counts the number of unbanked adults around the world at 56 percent, (ii) analyzes the state of access to deposit and loan services as well as the extent of retail networks, and (iii) discusses the state of financial inclusion mandates around the world.

Pursuing Efficiency While Maintaining Outreach : Bank Privatization in Tanzania

Cull, Robert; Spreng, Connor P.
Fonte: Washington, DC: World Bank Publicador: Washington, DC: World Bank
Tipo: Publications & Research :: Policy Research Working Paper; Publications & Research
ENGLISH
Relevância na Pesquisa
16.53%
Profitability improvements after the privatization of a large state-owned bank might come at the expense of reduced access to financial services for some groups, especially the rural poor. The privatization of Tanzania's National Bank of Commerce provides a unique episode for studying this issue. The bank was split into the "new" National Bank of Commerce, a commercial bank that assumed most of the original bank's assets and liabilities, and the National Microfinance Bank, which assumed most of the branch network and the mandate to foster access to financial services. The new National Bank of Commerce's profitability and portfolio quality improved although credit growth was slow, in line with privatization experiences in other developing countries. Finding a buyer for the National Microfinance Bank proved very difficult, although after years under contract management by private banking consultants, Rabobank of the Netherlands emerged as a purchaser. Profitability has since improved and lending has slowly grown...

Connecting the Disconnected : Coping Strategies of the Financially Excluded in Bhutan

Niang, Cecile T.; Andrianaivo, Mihasonirina; Diaz, Katherine S.; Zekri, Sarah
Fonte: Washington, DC: World Bank Publicador: Washington, DC: World Bank
Tipo: Publications & Research :: Publication; Publications & Research :: Publication
ENGLISH; EN_US
Relevância na Pesquisa
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In the spring of 2012, the Royal Monetary Authority of Bhutan and the World Bank commissioned a diagnostic assessment of financial practices and strategies among urban and rural Bhutanese. The resulting survey, the Bhutan financial inclusion focus group survey, represents one of the first efforts to capture household financial management practices in the country. The assessment, undertaken at the request of a government working group led by the Royal Monetary Authority, was designed to inform Bhutan's Financial Inclusion Policy by providing information about households' use of and demand for financial services. Since the research mainly captures the perspectives of Bhutanese households, this report does not present recommendations. Instead, its findings from the field research provide qualitative evidence that has informed the financial inclusion policy by highlighting opportunities and challenges in increasing financial inclusion.

Financial Sector Assessment : Malawi

World Bank
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Economic & Sector Work :: Financial Sector Assessment Program (FSAP); Economic & Sector Work
ENGLISH; EN_US
Relevância na Pesquisa
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Malawi's financial system is small even by regional standards and bank dominated but with a variety of institutions and markets. The Malawian financial system consists of nine banks, two discount houses, one leasing company, eight insurance companies, four development finance institutions (DFIs), a young-but growing-microfinance industry, and a nascent capital market. Only 10 percent of Malawi's population has access to formal financial services, reflecting the high incidence of poverty, high degree of informality, and a high proportion of the population in rural areas. Malawi's financial system offers a variety of conventional financial services, concentrated on the short-term end of the yield curve, but with an increasing focus on down-market products. Significant ownership linkages within the financial system and with non-financial corporations pose challenges for governance and related party transactions.

Islamic Republic of Pakistan : Diagnostic Review of Consumer Protection and Financial Literacy, Volume 1. Key Findings and Recommendations

World Bank
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Economic & Sector Work :: PSD, Privatization and Industrial Policy
ENGLISH; EN_US
Relevância na Pesquisa
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The diagnostic review for Consumer Protection and Financial Literacy (CPFL) provides a detailed assessment of the institutional, legal, and regulatory framework in four segments of the financial sector: banking, microfinance, securities, and insurance. The review took place in response to a request for World Bank technical assistance in the field of financial consumer protection made by Pakistan's Ministry of Finance (MoF), the State Bank of Pakistan (SBP), and the Securities and Exchange Commission of Pakistan (SECP). The review consists of two volumes. Volume one summarize the key findings and recommendations of the review and Volume two presents a detailed assessment of each financial segment compared against the good practices for financial consumer protection. The key findings and recommendations in volume one cover five areas: (i) the institutional, legal, and regulatory framework for consumer protection; (ii) disclosure; (iii) business practices; (iv) dispute resolution mechanisms; and (v) financial education. Priority recommendations are outlined in table one; a more detailed list of recommendations is included in annex one.

Financial Sector Development in Africa : Opportunities and Challenges

Beck, Thorsten; Maimbo, Samuel Munzele
Fonte: Washington, DC: World Bank Publicador: Washington, DC: World Bank
Tipo: Publications & Research :: Publication; Publications & Research :: Publication
ENGLISH; EN_US
Relevância na Pesquisa
16.53%
Africa's financial systems face challenges across many dimensions, as discussed in the report financing Africa: through the crisis and beyond. The analysis in that report was based partly on several detailed background papers that are included in this volume. The next six chapters are written by experts in their respective areas and provide an in-depth analysis of these challenges and present possible solutions. In this introduction, the authors provide an overview of the different chapters and how they are related to each other and the main volume. The three chapters in first part focus on key challenges concerned with access to financial services, including financial and operational deficiencies in the microfinance market, reaping the benefits from the technological revolution of retail banking, and deepening and broadening agricultural finance across Africa. The three chapters thus each cover different aspects with a different focus, ranging from an institutional approach to a focus on innovation as a driver of financial broadening to an important element of financial infrastructure to a specific sector. The second part includes the fourth chapter...

Integrity in Mobile Phone Financial Services : Measures for Mitigating Risks from Money Laundering and Terrorist Financing

Chatain, Pierre-Laurent; Hernández-Coss, Raúl; Borowik, Kamil; Zerzan, Andrew
Fonte: Washington, DC : World Bank Publicador: Washington, DC : World Bank
Tipo: Publications & Research :: Publication; Publications & Research :: Publication
ENGLISH; EN_US
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This working paper explores strategies to identify and manage potential money laundering (ML) and terrorist financing (TF) risks in mobile financial services (m-FS). Using fieldwork in seven economies as a basis, the paper provides guidance on the best means of assessing perceived versus actual ML and TF risks, and then identifies specific measures to mitigate the actual risks. The paper concludes with recommendations that aim to promote a regulatory balance to foster an enabling environment for business while minimizing ML and TF risks that hinder its sustainability. The paper identifies four risk factors in m-FS and appropriate mitigation responses. The risk factors are anonymity, elusiveness, rapidity, and poor oversight. Anonymity is the risk of not knowing a customer's actual identity, and it can be diminished through enhanced know-your-customer procedures and identification tools. Elusiveness is the ability to disguise mobile transaction totals, origins, and destinations. It can be diminished through transaction limits and enhanced customer profiling...

Mexico Reform Agenda for Inclusive and Sustainable Growth; Agenda de reformas en Mexico para un crecimiento incluyente y susteatable

World Bank
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Economic & Sector Work :: Policy Note; Economic & Sector Work
ENGLISH; EN_US
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Mexico needs to broaden and deepen its financial system without compromising the financial stability gains of the last decade. Much more private investment is needed to transform the economy to boost productivity, and despite improvements in recent years, many households and firms still lack adequate access to financial services. Strengthening competition and streamlining key regulations for firms are key to increasing Mexico's competitiveness. This note provides a medium-term agenda for supporting Mexico's competitiveness by fostering greater innovation. This policy note outlines short- and medium-term policy options for addressing critical challenges affecting labor markets in Mexico, and in particular labor productivity. This note reviews the challenges in Mexico's social protection system and possible options to achieve an integral and effective system that is more than the sum of its parts. This policy note contributes to the debate on Mexico's looming fiscal challenges. To achieve higher growth and reduce poverty and inequality...

Lao PDR Economic Monitor : November 2008

World Bank
Fonte: World Bank, Vientiane Publicador: World Bank, Vientiane
Tipo: Economic & Sector Work
EN_US
Relevância na Pesquisa
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The Lao PDR economy continues to grow, but at a relatively slower pace as the impacts of the global financial turmoil are starting to be felt. Real gross domestic product (GDP) growth is expected to slow in 2008 to about 7 percent as result of the impacts of the global financial crisis. GDP growth is also projected to slow to between 5 and 6 percent in 2009. However, growth remains fairly strong and still driven by the ongoing hydropower projects as well as agro processing industries, construction and other services. The resource sector contributes over 2 percent and non-resource sectors another 5 percent to the growth rate in 2008. In addition to domestic consumption, medium-term growth will be sensitive to changes in global commodity prices (mainly metals and agriculture) as well as to demand and investment from neighboring countries (especially Thailand, China and Vietnam). It reports on recent economic performance (Part I), progress in the implementation of the Government's policy reform agenda (Part II), and donor activities in the relevant reform areas (Part III).

IFC Mobile Money Study 2011; Sri Lanka

International Finance Corporation
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Working Paper; Publications & Research; Publications & Research :: Working Paper
ENGLISH; EN_US
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Sri Lanka's population is still largely rural, nearly 85 percent lives outside of cities. There will probably be rural-to-urban migration in the future, which represents a potential opportunity to m-money providers. People working in cities often wish to repatriate their savings to their rural families conveniently and at a low cost. Income is fairly evenly spread across Sri Lanka s provinces, with the exception of the Western Province where Colombo, the largest city, is situated. Its GDP per capita places Sri Lanka near the average of comparable Southeast Asian countries. Malaysia is clearly an outlier with a considerably higher GDP per capita, but Sri Lanka s GDP is higher than that of the Philippines, where m-money has taken off dramatically. Poverty is less of a problem in Sri Lanka relative to countries like Bangladesh or Cambodia, where GDP per capita is much lower. The key point is that Sri Lanka is at a different stage in its economic development and is unlikely to have the same socioeconomic conditions that made m-money in Kenya accelerate so rapidly.