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Artykuły w czasopismach na temat "Financial Apps"

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Linawati, Nanik, i Inlian Wijaya. "THE MODERATOR EFFECT OF FINANCIAL APPS ON THE RELATIONSHIP BETWEEN FINANCIAL EDUCATION AND FINANCIAL CAPABILITY". International Journal of Financial and Investment Studies (IJFIS) 3, nr 1 (23.08.2022): 1–8. http://dx.doi.org/10.9744/ijfis.3.1.1-8.

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This study aims to determine the effect of Socio-Demographic and Financial Education on Financial Capability with Financial Apps as the moderator variable. The research population is Generation Z aged 19-26 years. The research sample amounted to 100 respondents and data collection was done through the distribution of questionnaires via google form. The data analysis method used is Partial Least Square (PLS). In the industrial era 4.0, which is growing rapidly at this time, financial applications that are designed to help people manage finances have begun to appear. Digital financial management applications make people manage personal finances easily and practically. Financial management applications encourage people to further upgrade their knowledge about financial management to achieve financial goals in the future. The results showed that gender had a significant effect on financial capability and financial apps played a role in moderating the influence of gender on financial capability.
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Ragavan, Meera Vimala, Divya Ahuja Parikh i Manali I. Patel. "Comparison of perspectives and practices to mitigate financial toxicity between advance practice providers and attending oncologists." Journal of Clinical Oncology 38, nr 29_suppl (10.10.2020): 82. http://dx.doi.org/10.1200/jco.2020.38.29_suppl.82.

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82 Background: Characterizing the oncology provider’s role in addressing the growing epidemic of financial toxicity faced by cancer patients is of increasing importance. Advance practice providers (APPs) increasingly serve as primary providers for many cancer patients, but no studies to date have examined their perspectives and practices in addressing financial toxicity, nor compared them to that of attending physicians. Methods: We developed an 18-question electronic, anonymous survey informed by an extensive literature search regarding perspectives on the provider’s role and current practices in addressing financial toxicity. We emailed the survey to 75 attending physicians and 117 APPs at our institution’s cancer center. Responses during the study period 12/12/2018-1/31/2019 were analyzed. Results: 32 attending physicians and 28 APPs completed the survey. Response rates were higher among attending physicians (42%) compared to APPs (24%). Attending physicians were more likely than APPs to agree that providers should openly discuss cost (75% vs. 36%, p = 0.002). APPs were more likely to agree that providers should defer cost conversations to a third party (57% vs. 31%, p = 0.04) and make the same treatment recommendation regardless of cost (50% vs. 25%, p = 0.022). Use of cost-effectiveness (CE) guidelines was higher among APPs compared to attending physicians (71% vs. 31%, p = 0.0019). Awareness of out of pocket costs, frequency of referrals to financial counselors, and ranking of top barriers to cost conversations (price transparency, knowledge of resources, and time) were similar between attending physicians and APPs. Conclusions: While APPs and attending physicians differed considerably in their perspectives on the role oncology providers should take in mitigating financial toxicity, they were more consistent in current practices and identification of barriers to cost conversations. APPs were interestingly more likely to use CE guidelines than attending physicians. Higher response rates among attending physicians may reflect inherently stronger opinions regarding the provider’s role in addressing financial toxicity. Future studies should explore these differences to better inform provider-level interventions to reduce financial toxicity.
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Rodriguez, Maria Alma, Guadalupe R. Palos, Katherine Ramsey Gilmore, Paula A. Lewis-Patterson, Patricia Chapman i Weiqi Bi. "Analysis of financial sustainability of survivorship clinics led by advanced practice providers." Journal of Clinical Oncology 37, nr 15_suppl (20.05.2019): 11560. http://dx.doi.org/10.1200/jco.2019.37.15_suppl.11560.

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11560 Background: Disease specific Survivorship Care Clinics (SCs) have been established within a comprehensive cancer center. Clinics are staffed by Advanced Practice Providers (APPs), Physician Assistants and Advanced Practice Registered Nurses, with experience in the management of each disease type. To determine the sustainability of this model of survivorship care, we analyzed the professional fees’ revenue generated by APPs’ billings for 6 clinics and then compared the APPs’ salaries across all clinics. Methods: A retrospective analysis was conducted of 6 survivorship clinic’s patient volumes and clinic days supported by APPs from 9/1/16-4/30/17. The full FTE salary of the APPs, including benefits were prorated to the time dedicated to each of the SCs. Institutional financial data was used to align professional fees to actual reimbursements received. Salary recovery percentage was calculated as the ratio of reimbursement received to prorated FTE salary. Results: Table shows variation in APPs’ salary commensurate to FTE proportion. Results also indicate there was an average of 99% professional fee recovery. Clinics with an FTE proportion > 0.5 had recovery higher than the anticipated prorated salary, suggesting there is a threshold to maximize efficacy and sustainability. Conclusions: APPs professional fees for care provided to cancer survivors are reimbursable, across disease types or payers, and proportionally supports their salaries. Our findings suggest delivery models based on APPs to manage care of long-term survivors can be self-supporting.[Table: see text]
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Pal, Abhinav, Kavita Indapurkar i Kriti Priya Gupta. "Gamification of financial applications and financial behavior of young investors". Young Consumers 22, nr 3 (24.06.2021): 503–19. http://dx.doi.org/10.1108/yc-10-2020-1240.

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Purpose This study aims to investigate the moderating role of gamification on the relationship of financial attitude (FA), financial self-efficacy (FSE) and financial planning activity (FPA) of individuals on the financial behavior of individuals and also provides a conceptual background on financial management behavior (FMB), FA, FSE and FPA of individuals. Design/methodology/approach A preliminary study with the help of a structured questionnaire was conducted by administering the questionnaire to individuals who are exposed to financial apps on their smart phones or personal computers for various money-saving and investment activities. Help of various financial planners and financial consultants led to successful circulation of the questionnaire to respondents. The research model was tested through structural equation modeling using AMOS-21 software. Firstly, a measurement model was evaluated that comprised five latent constructs, i.e. gamifying features (GF), FA, FSE, FPA and FMB. Subsequently, the structural model consisting of the hypothesized relationships was evaluated. Findings The role of GF in financial apps and applications in moderating the influence of FA, FSE and FPA on FMB has not been thoroughly studied in the past literature, and the results of this study show that GF significantly moderate the influence of FA and FPA on the FMB of individuals. However, according to the results GF in financial apps do not have a significant moderating role on the influence of FSE on FMB of individuals. Originality/value The studies in the past have not investigated the role of gamification in the area of personal finance of individual investors, specifically their financial behavior in both developed and developing countries. This study addresses this gap by examining the role of gamification in moderating the relationship that exists between FA, FSE, FPA and financial behavior.
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Frimpong, Jemima A., i Stéphane Helleringer. "Strategies to increase downloads of COVID–19 exposure notification apps: A discrete choice experiment". PLOS ONE 16, nr 11 (1.11.2021): e0258945. http://dx.doi.org/10.1371/journal.pone.0258945.

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Exposure notification apps have been developed to assist in notifying individuals of recent exposures to SARS-CoV-2. However, in several countries, such apps have had limited uptake. We assessed whether strategies to increase downloads of exposure notification apps should emphasize improving the accuracy of the apps in recording contacts and exposures, strengthening privacy protections and/or offering financial incentives to potential users. In a discrete choice experiment with potential app users in the US, financial incentives were more than twice as important in decision-making about app downloads, than privacy protections, and app accuracy. The probability that a potential user would download an exposure notification app increased by 40% when offered a $100 reward to download (relative to a reference scenario in which the app is free). Financial incentives might help exposure notification apps reach uptake levels that improve the effectiveness of contact tracing programs and ultimately enhance efforts to control SARS-CoV-2. Rapid, pragmatic trials of financial incentives for app downloads in real-life settings are warranted.
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Nienhaus, Volker, i Mohammed Muslehuddin Musab. "Financial Services by BigTech: Impacts and Opportunities for Islamic Banks". مجلة بيت المشورة, nr 19 (1.04.2023): 251–81. http://dx.doi.org/10.33001/m0104202319/113.

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The emergence of BigTech companies in the financial services sector has raised concerns about their potential to disrupt traditional banking and establish their own financial institutions. This research investigates the extent of BigTechs' activities in payments and finance and explores their intentions in disrupting the banking sector. The study adopts a qualitative methodology to critically analyse market reports and credible market intelligence websites and official websites of news agencies. The findings reveal that BigTechs' activities are selective and aimed at supporting their core businesses in commerce, technology, advertising, and social media, rather than disrupting banking. However, their involvement in Buy Now Pay Later (BNPL) financing poses a challenge to retail banks, prompting Islamic banks to establish their own BNPL facilities. Procedural complexities related to Sharīʿah compliant structuring can be addressed using financial technologies like smart contracts and payment gateways. Islamic banks could also collaborate with FinTechs to create frequently used Muslim lifestyle apps or super apps that offer embedded finance for the ḥalāl economy. The study concludes that Islamic banks should consider these opportunities to meet the younger customers' mobile shopping and social media communication habits. Keywords: BigTechs, Payments, Consumer Finance, Super Apps, Islamic Banks
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Neelam, K., i Sonali Bhattacharya. "The Role of Mobile Payment Apps in Inclusive Financial Growth". Australasian Accounting, Business and Finance Journal 17, nr 1 (2023): 9–31. http://dx.doi.org/10.14453/aabfj.v17i1.02.

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In the age of technology, the usage of mobile payment apps is playing a significant role in financially strengthening urban areas. This research aiming to identify the enablers affecting the use of mobile technology by the urban poor households in Pune, Maharashtra, India and to identify the user behaviour in technology adaptation. The published literature was thoroughly reviewed with respect to mobile payment, financial technology, and financial inclusion. The data has been collected through a field survey. Simultaneously, a structural equation model is developed using Amos software and Spss is used to perform factor analysis. The theoretical framework is based on the Unified theory of acceptance and the use of technology (UTAUT-2) Model. The enablers are Performance Expectancy (PE), Economic Benefit (EB), Convenience, Technical conditions (TC), Hedonic motivation (HM), and Behavioural intention (BI), Social influence (SI) are impacting the use of mobile apps related to finance under the mediating effect of behavioral intention, thereby supporting financial inclusion. Gender, education, occupation, and income are the control variables. Men are more frequent users of mobile payment apps. This study is unique in the context of urban poor households regarding the use of m-payment app and to understand their behavior and actual usage pattern. The current study also has some implications for the banking and mobile technology industry. They may start new strategies for mobile industries and certain factors such as security, convenience, and technical conditions can influence customer intention of using m-payment apps; hence, it needs proper consideration. Simultaneously, banks and technology industries must verify their privacy norms and make it easy for customers to use technology.
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Mathisen, Therese Fostervold, i Frode Ramstad Johansen. "The Impact of Smartphone Apps Designed to Reduce Food Waste on Improving Healthy Eating, Financial Expenses and Personal Food Waste: Crossover Pilot Intervention Trial Studying Students’ User Experiences". JMIR Formative Research 6, nr 9 (2.09.2022): e38520. http://dx.doi.org/10.2196/38520.

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Background Global sustainability and individual health need coordinated attention. While individuals are recommended a healthy diet to reduce the burden of noncommunicable diseases, global attention to natural resource conservation is also needed. The latter specifically means effective measures to reduce food waste. Objective This pilot study evaluates the experiences of students and effect from using smartphone apps designed to reduce food waste on personal healthy eating, financial expenses, and food waste. Methods A total of 6 students from different study programs (mean age 24.7, SD 2.9) were recruited to evaluate 2 different apps designed to reduce food waste and to register food consumption, food waste, and financial food expenses before and after the app trials. The apps evaluated were the commercially available TotalCtrl Home and Too-Good-To-Go. Results were analyzed by mixed methods, comprising statistical analyses for quantifiable data and thematic analyses for qualitative data. The apps were used separately in random order, each for 1 month. Primary outcome was user expectations to and experiences from the use of the apps, which were obtained by semistructured interviews. Secondary outcomes were changes in food waste volume, financial food expenses, and healthy eating. While information on food waste and food expenses was obtained by weighing food waste and registering food costs for 2 weeks before and after app trials, scores for consuming healthy diets were calculated from registered food records by scoring criteria matched to national recommendations for healthy eating. Results Awareness on food waste increased after app trials, but experiences with apps pointed toward several potential for technical and content improvements. The students reported that there were too many manual operations in the apps to induce permanent use (TotalCtrl Home), that services seemed more concerned about the producers’ interests than the individual’s needs (Too-Good-To-Go), and that they missed a composite app that included functions to promote healthy eating and overview of budget and expenses as well as of food waste (both apps). Use of apps designed to reduce food waste and personal costs and to improve healthy eating did not result in any measurable effects, that is, no change in food waste (mean change 0.81, SD 1.5 kg; P=.13), healthy eating (mean change –0.24, SD 0.43; P=.24), or personal food expenses (mean change 47.5 NOK or US $4.8, SD 416.9 NOK or US $42.5; P=.39). Conclusions Apps may aid in increased awareness of food waste at the producer and consumer levels. Large-scale studies with longer duration are needed to see if apps may induce measurable changes in food waste, healthy eating, and financial expenses.
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French, Declan, Donal McKillop i Elaine Stewart. "The effectiveness of smartphone apps in improving financial capability". European Journal of Finance 26, nr 4-5 (14.07.2019): 302–18. http://dx.doi.org/10.1080/1351847x.2019.1639526.

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Koniarczyk, Heather, i Helen Tackitt. "Cross training of APPs on inpatient oncology units as a safe and cost-effective model." Journal of Clinical Oncology 37, nr 27_suppl (20.09.2019): 56. http://dx.doi.org/10.1200/jco.2019.37.27_suppl.56.

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56 Background: Oncology Advanced Practice Providers (APPs) have not been optimally trained to care for each other’s sub specialty of patients. In times of high census and/or short staffing, inpatient APPs are left to care for and manage high volumes of acutely ill patients. This is concerning for patient safety, burning out as well as dissatisfactions when vacation and meetings are denied because there is no backup coverage available. Methods: In order to minimize the use of overtime pay, physician moonlighting pay and additional positions in times of short staffing, we proposed to cross train experienced APPs to see if the staffing needs could be met. The disease groups consisted of transplant, leukemia and lymphoma. Each disease group has a lead APP involved in the strategic planning and implementation process. They were instrumental in working through and identifying risks and benefits of this training plan and were the first to be trained, as to lead by example. Buy in from APPs was achieved by promoting the flexibility of scheduling that would result from having more coverage. Some were also motivated to add to their skill set by learning how to care for a new disease group. Results: The APPs felt comfortable taking patients after around 2 training shifts. They felt the patients were more alike than different and the workflow for most job duties were identical, and enjoyed working with fellow oncology APPs they hadn’t interacted much with. Cross training was proposed to add a financial benefit to our institution. Key metrics we monitored were productivity and supplemental pay. The financial savings from avoiding supplemental overtime or fellow moonlighting wages for 2018 was $8,540, and $14,640 for quarter1 2019. The APPs had no decrease in productivity to date, and no decrease in quality metrics and no adverse events related. Conclusions: Cross training as a means to reduce short staffing financial burdens while advancing the scope of practice of APPs is a safe and possible alternative to adding positions, or paying overtime/moonlighting pay. Training of cross covering APPs was not overall a major constraint. Buy-in from leadership as well as APPs is instrumental in not only initiating a cross training program, but maintaining it as well.
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Rozprawy doktorskie na temat "Financial Apps"

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Carreño, Colchado Ana Maria, i Baez Gloria Luana Hurtado. "Factores que influyen en la adopción de banca móvil en los Millennials en Lima urbana". Bachelor's thesis, Universidad Peruana de Ciencias Aplicadas (UPC), 2019. http://hdl.handle.net/10757/628187.

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Hablar de modernidad es hablar de un entorno digital. Muchas de las actividades que realizamos a diario están ligadas directamente a un dispositivo móvil y a una aplicación, teniendo con ello un sinfín de posibilidades en la palma de nuestra mano: comunicarse con personas en todo el mundo, interactuar en las redes sociales, leer noticias, comprar en cualquier tienda a nivel mundial, conocer el tráfico, escuchar música, ver películas, mirar el clima, etc. Estos procesos de digitalización son utilizados también por el sector bancario, que no ha sido ajeno a estos cambios, a través de canales virtuales, conocidos como banca móvil, servicio proporcionado por estas entidades que permiten a sus clientes realizar diferentes transacciones financieras de forma remota sin tener que ir a una agencia u oficina, como pagar sus deudas, transferir dinero, revisar sus saldos y movimientos bancarios, etc. La banca móvil además, proporciona al cliente otros beneficios como el ahorro de tiempo y un abanico de soluciones financieras de manera inmediata, etc., ventajas que han impulsado su uso en Millennials, segmento de la población nacido entre 1980 y 1999 que para el 2020 será el 50% de la fuerza laboral del país. Esta investigación pretende mostrar cuáles son los factores que influyen para que la banca móvil sea adoptada por este segmento en Lima Urbana, para ello se utilizó el modelo de UTAUT2, considerando los factores intervinientes como el nivel socioeconómico y el banco al que son clientes las personas que fueron encuestadas.
To talk about modernity, it is to talk about a digital environment. Several of our daily tasks are directly linked to a mobile device and to an app, thus having endless possibilities to the touch of a finger: communicate with people around the world, interact in social networks, read the news, buy anything worldwide, live update of the traffic, listen to music, watch movies, the weather, etc. These digitization processes are also used by the banking sector, which has not been oblivious to these changes, through virtual channels, known as mobile banking, service provided by these entities that allow clients to carry out different financial transactions remotely without having to go to an agency or office, such as paying off your debts, transferring money, checking your balances and bank movements, etc. Also, Mobile banking provides clients with other benefits such as saving time and a range of financial solutions immediately, etc., advantages that have boosted its use in Millennials, a segment of the population born between 1980 and 1999 that by 2020 It will be 50% of the country's workforce. This research aims to show what are the factors that influence mobile banking that had to be adopted by this segment in Urban Lima, for this the UTAUT2 model was used, considering the intervening factors such as socioeconomic status and the bank to which people are clients They were surveyed.
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Cederberg, Jessica. "Changing financial behaviors using mobile PFM tools". Thesis, Södertörns högskola, Institutionen för naturvetenskap, miljö och teknik, 2013. http://urn.kb.se/resolve?urn=urn:nbn:se:sh:diva-19735.

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This paper investigates the needs of a PFM (Personal Financial Management) tool in a projected banking app, where information is presented as statistics of the users’ personal economy. By studying how youths would like to monitor their finances in a banking app the paper aims to investigate what a PFM tool could include to attract consumers to use it in order to get a better control of their finances. The question of the paper is therefore: How can a banking app containing a PFM contribute to greater awareness of the users’ finances and savings, and how should such an app be designed? User tests were made to investigate what kind of statistics the users want in a PFM tool in a mobile app. The Delphi method was used to get a ranked list of ten suggestions, and a focus group interview was conducted to analyze the results further and to contribute to a qualitative view of the paper. The test results together with previous research show that a PFM tool included in a banking app could attract the target group to monitor their money, and also encourage them to save more. The respondents would like to have general statistics over their economy in a PFM tool, but also the possibility to monthly set personal budgets and monitor how well they are respected.
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Fraga, Jefferson Souza [UNESP]. "A crise econômica no Japão após os anos 90". Universidade Estadual Paulista (UNESP), 2011. http://hdl.handle.net/11449/88590.

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Made available in DSpace on 2014-06-11T19:23:32Z (GMT). No. of bitstreams: 0 Previous issue date: 2011-02-08Bitstream added on 2014-06-13T20:30:20Z : No. of bitstreams: 1 fraga_js_me_arafcl.pdf: 570399 bytes, checksum: c4d98662c4b2a66e86a84c364b2ae848 (MD5)
Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES)
O presente trabalho tem como objetivo analisar a experiência do Japão após os colapsos das bolhas especulativas dos ativos na década de 1990. Aceitando que o pior já passou, ou seja, que a crise financeira japonesa foi finalmente resolvida, uma coisa é certa; não antes de uma “década perdida” caracterizada por um longo período, de baixo crescimento, aumento das taxas de desemprego, deflação nos preços dos ativos, falências bancárias e persistência dos no-performing loans. Nesse contexto, as principais respostas obtidas por este trabalho foram: a crença que a recuperação econômica viria com o passar do tempo e a falta de entendimento sobre o tamanho do problema que a morosidade de atuação levaria ao sistema, explica em certo ponto a tolerância inicial do governo japonês frente à crise econômica. A política fiscal expansionista foi eficaz, mas, não utilizada de forma consistente, a natureza “stop-start” dos estímulos realizados, e em particular as prematuras reversões fiscais diminuíram a sua eficácia, outros fatores prováveis para a baixa eficácia durante os anos 90 foram: os estímulos fiscais podem ter sido prejudicados pela queda dos multiplicadores fiscais; os efetivos investimentos públicos foram menores que os anunciados e ao invés de se dar ênfase a obras públicas, priorizou-se cortes em impostos. De outra forma, um caminho fundamental de maximizar os estímulos fiscais é através da restauração do crédito do setor bancário, caso a recapitalização e as restaurações do setor fossem realizas em uma fase inicial, os efeitos dos estímulos poderiam ser de curta duração, se o sistema financeiro estivesse em boa saúde. No Japão, as injeções nos bancos “em grande escala” ocorreram apenas em 1999. Por outro lado, a política monetária, com base em uma versão alternativa da armadilha da liquidez levou o BOJ a tomar algumas medidas...
This dissertation intend to analyze the experience of Japan after the collapse of speculative bubbles in assets in the 1990s. Accepting that the worst is over, that is to say, that the Japanese financial crisis was finally resolved, one thing is certain; not before a “lost decade” characterized by a long period of low growth, increasing rates of unemployment, deflation in asset prices, bank failures and persistence of no-performing loans. In this context, the main responses received for this work were: the belief that economic recovery would come with the passage of time and lack of understanding about the size of the problem that the slowness of action would lead to the system; this explains in some degree the initial tolerance of the Japanese government by the economic crisis. The expansionary fiscal was effective, but not consistently used, the nature of “stop-start” of the stimuli made, and in particular the early tax reversals decreased its effectiveness, other likely factors for the low efficiency during the year 1990 were: the fiscal stimuli may have been harmed by falling tax multipliers; the effective public investments were lower than those advertised instead of giving emphasis to public works, the priority was tax cuts. On the other hand, a fundamental way to maximize the tax incentives is through the restoration of credit from the banking sector, if the recapitalization and the restorations of the sector were held in an early stage, the effects of stimuli could be short term, if the financial system was in good health. In Japan, the injections in banks “large scale” occurred only in 1999. Moreover, monetary policy, based on an alternative version of the liquidity trap led the BOJ to take some innovative measures since 2001. Centered on a strategy to ensure liquidity and extend the warranties on direct purchases of assets, quantitative easing was implanted... (Complete abstract click electronic access below)
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Fraga, Jefferson Souza. "A crise econômica no Japão após os anos 90 /". Araraquara : [s.n.], 2011. http://hdl.handle.net/11449/88590.

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Orientador: Eduardo Strachamn
Banca: Enéas Gonçalves de Carvalho
Banca: Ernani Torres Teixeira Filho
Resumo: O presente trabalho tem como objetivo analisar a experiência do Japão após os colapsos das bolhas especulativas dos ativos na década de 1990. Aceitando que o pior já passou, ou seja, que a crise financeira japonesa foi finalmente resolvida, uma coisa é certa; não antes de uma "década perdida" caracterizada por um longo período, de baixo crescimento, aumento das taxas de desemprego, deflação nos preços dos ativos, falências bancárias e persistência dos no-performing loans. Nesse contexto, as principais respostas obtidas por este trabalho foram: a crença que a recuperação econômica viria com o passar do tempo e a falta de entendimento sobre o tamanho do problema que a morosidade de atuação levaria ao sistema, explica em certo ponto a tolerância inicial do governo japonês frente à crise econômica. A política fiscal expansionista foi eficaz, mas, não utilizada de forma consistente, a natureza "stop-start" dos estímulos realizados, e em particular as prematuras reversões fiscais diminuíram a sua eficácia, outros fatores prováveis para a baixa eficácia durante os anos 90 foram: os estímulos fiscais podem ter sido prejudicados pela queda dos multiplicadores fiscais; os efetivos investimentos públicos foram menores que os anunciados e ao invés de se dar ênfase a obras públicas, priorizou-se cortes em impostos. De outra forma, um caminho fundamental de maximizar os estímulos fiscais é através da restauração do crédito do setor bancário, caso a recapitalização e as restaurações do setor fossem realizas em uma fase inicial, os efeitos dos estímulos poderiam ser de curta duração, se o sistema financeiro estivesse em boa saúde. No Japão, as injeções nos bancos "em grande escala" ocorreram apenas em 1999. Por outro lado, a política monetária, com base em uma versão alternativa da armadilha da liquidez levou o BOJ a tomar algumas medidas... (Resumo completo, clicar acesso eletrônico abaixo)
Abstract: This dissertation intend to analyze the experience of Japan after the collapse of speculative bubbles in assets in the 1990s. Accepting that the worst is over, that is to say, that the Japanese financial crisis was finally resolved, one thing is certain; not before a "lost decade" characterized by a long period of low growth, increasing rates of unemployment, deflation in asset prices, bank failures and persistence of no-performing loans. In this context, the main responses received for this work were: the belief that economic recovery would come with the passage of time and lack of understanding about the size of the problem that the slowness of action would lead to the system; this explains in some degree the initial tolerance of the Japanese government by the economic crisis. The expansionary fiscal was effective, but not consistently used, the nature of "stop-start" of the stimuli made, and in particular the early tax reversals decreased its effectiveness, other likely factors for the low efficiency during the year 1990 were: the fiscal stimuli may have been harmed by falling tax multipliers; the effective public investments were lower than those advertised instead of giving emphasis to public works, the priority was tax cuts. On the other hand, a fundamental way to maximize the tax incentives is through the restoration of credit from the banking sector, if the recapitalization and the restorations of the sector were held in an early stage, the effects of stimuli could be short term, if the financial system was in good health. In Japan, the injections in banks "large scale" occurred only in 1999. Moreover, monetary policy, based on an alternative version of the liquidity trap led the BOJ to take some innovative measures since 2001. Centered on a strategy to ensure liquidity and extend the warranties on direct purchases of assets, quantitative easing was implanted... (Complete abstract click electronic access below)
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Huang, Pei-Ting, i 黃珮婷. "A Study of the Consumers Transaction Intention for Financial Products with Mobile APPs". Thesis, 2015. http://ndltd.ncl.edu.tw/handle/54167971718689098217.

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碩士
淡江大學
資訊管理學系碩士在職專班
103
Popularization of mobile devices has turned mobile transactions into an irresistible trend. Banks have been actively developing mobile apps in competing for many business opportunities relate to them. In this study, a questionnaire survey was conducted for users of mobile devices in Taiwan by extending a TAM model that combines constructs of mobility and trust to gain an insight on willingness of users to use mobile apps to purchase financial products, as well as to better understand the relationship between the users’ purchase intention and other factors. 406 surveys were retrieved for this study; 215 were valid. The empirical results showed a positive correlation between the users’ views regarding mobile apps’ mobility and their perceived usefulness. There were positive correlations among perceived usefulness, perceived ease of use, trust, and purchase intention of financial product for mobile app users. Hopefully, the results of this study can offer a basis for reference by financial institutes in developing their apps and managing their relations with their clients.
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Li, Yu-Wei, i 李聿偉. "A Study on Taiwan ''s Financial Stability after the Global Financial Tsunami". Thesis, 2017. http://ndltd.ncl.edu.tw/handle/37737055512266009769.

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博士
國立高雄第一科技大學
財務金融學院博士班
105
This study sets up a detective system for Taiwan’s financial stability with two spindles of the market-based and the bank-based. While uses “Two-state Markov regime-switching” method to capture the turning points from Taiwan’s previous major financial crises through the volatility of Taiwan’s financial stress index between 1997Q1 and 2016Q2. On this basis, a further study proposes the research of “a robust set of indicators for the Taiwan’s financial stability” by using “noise to signal ratio” method from the candidate variables of bank-based Taiwan’s financial stability, in order to filter out composite indicator of Taiwan’s financial stability with early warning functions as a supervisory tool for financial stability, effectively to detect and alert Taiwan’s financial crises. Empirical results proves, “two-state Markov regime-switching” method with the market-based Taiwan’s financial stress index, it sure can rationally determine the turning points for Taiwan’s previous major financial crises and successfully identify Asian financial crisis, dot-com bubble, cross-strait political-economic tensions, global financial crisis, European debt crisis, etc., especially to capture the financial crisis triggered by cross-strait political and economic tensions in 2004Q2, which completely reveals an individual characteristic of political sensitive gene in Taiwan’s financial system. Moreover, a composite indicator of Taiwan’s financial stability (CITFS) constructed by bank-based measure has a good early warning capability to detect the events of Taiwan’s previous major financial crises, and provide Taiwan’s financial supervisory authority some important reference to build up the early warning mechanism. In addition, this study analyzes the early warning capability of CTG gap and CITFS, and most of them can issue early warning signals prior the first four quarters of the financial crisis in Taiwan. In summary, CTG gap and CITFS have complementary effects. Finally, based on the proactive trend of global financial supervision after the financial tsunami, the results of this study can provide an effective supervision tool for Taiwan financial stability within the macroprudential framework.
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Lee, Hsiu Feng, i 李秀鳳. "Research on 'Professional Ethics' and 'Professional Competence' of Financial Auxiliary Agencies-Case Studies on Financial Information Service Providers". Thesis, 2010. http://ndltd.ncl.edu.tw/handle/78143916650026068356.

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碩士
世新大學
行政管理學研究所(含博、碩專班)
98
The aim of the present study is to explore the relationship between awareness of professional ethics and professional competence among the personnel of financial auxiliary agencies and the implementation of governance by the regulatory authorities. To achieve this research goal, besides undertaking in-depth interviews with the heads of financial information service providers and with top-level officials at financial regulators, so as to obtain their views, expectations and suggestions regarding professional ethics and professional competence, testing was also implemented to evaluate the relationship between awareness of professional ethics and professional competence and the degree of approval of the governance provided by the regulatory authorities among the personnel of Agency A, Agency B and Agency C, all of which are financial information service providers that fall under the category of financial auxiliary agencies. For the purposes of this evaluation, a questionnaire designed specifically for this study was used. A total of 200 questionnaires were sent out; 196 completed questionnaires were returned. Besides performing confidence analysis and validity analysis, statistical analysis was undertaken using Pearson product-moment correlation analysis, the independent-sample T-test, stepwise regression analysis, and one-way ANOVA analysis. The study’s findings were as follows: (1) Correlation analysis: There was a significant, positive correlation between the independent variable and dependent variable. (2) Independent-sample T-test analysis: The results of independent-sample T-test analysis supported all of the study’s hypotheses; that is to say, the greater the positive correlation between financial information service provider personnel’s professional ethics awareness and professional competence awareness, the greater the positive correlation between professional ethics and professional competence awareness and approval of the governance provided by the regulatory authorities. (3) Stepwise regression analysis: The stepwise regression analysis results showed that professional ethics awareness and professional competence awareness could both be used to predict the degree of approval that the members of the sample would display towards the governance provided by the regulatory authorities, with professional ethics awareness having the highest explanatory power (35%). Further analysis of the sub-dimensions of professional ethics and professional competence awareness showed that the higher the positive correlation in terms of financial information service provider personnel’s self-concept, the more importance they attached to external ethical awareness, and the higher their level of approval of the governance provided by the regulatory authorities. On the basis of the results obtained from analysis of the in-depth interviews and from statistical analysis, the following suggestions are put forward for the reference of the financial regulators and the financial auxiliary agencies under their supervision: 1.The regulatory authorities should advocate and promote professional ethics and professional competence, so as to facilitate the achievement of effective governance. 2.Financial information service providers should place more emphasis on professional ethics and professional competence in recruitment and in their planning of training activities, in order to improve their overall operational performance. 3.Financial information service providers should work to improve their professional ethics and professional competence benchmarks.
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Chao, Ko-hua, i 趙恪華. "Industry Analysis of Taiwan''s Financial Holding Companies". Thesis, 2012. http://ndltd.ncl.edu.tw/handle/04894137719756330612.

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碩士
國立中央大學
產業經濟研究所碩士在職專班
100
The government has franchised the banks to speed up financial institutions consolidation and the promotion of international financial integration. Financial at this stage is a highly competitive industry with low-profit. At present, the domestic banking sectors are facing (1) excessive number of banks and high homogeneity (2) continually reducing bank spread indicators and (3) the prevalence of direct financial. This study investigates the structural organization of the financial industry and performed camp performance analysis and research. In this study, the SCP framework of industrial economics were used to explore the plight and bottleneck of the financial industry, and sort out the trend of global economic growth, industrial development trends, and discuss how to improve the future competition points. The results showed that Taiwan''s banking industry should expand its commodities business policies to be in line with international standards, and that banks should improve their offshore financial centers, overseas offices and financial institutions. Banks should also seek to Mainland China to invest in or set up business units, as the ECFA era is conducive to the development of the financial industry. Increasing the proportion of income from non-traditional business management and development fees is another important source that allows bank profitability and stable growth to continue. We suggest that Taiwan''s banking industry should develop new financial products and offer a variety of financial services through the development of new financial products, and to enhance the competitiveness of domestic banks. Staff training should be required to strengthen the professional quality and ethics of Banking Commissioner. Also it is required to establish comprehensive education, training and development of new products to meet customer demands, and to provide a wide range of wealth management products guaranteed.
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lan, Yung-Fang, i 藍永芳. "A Study on Financial Advisors'' performance of insurance". Thesis, 2012. http://ndltd.ncl.edu.tw/handle/21447611964723036180.

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碩士
淡江大學
保險學系保險經營碩士在職專班
100
With the global economic development and changing social structures, there are now multiple marketing channels for the Taiwanese insurance sales; startup insurance companies rely on their in house sales team and traditional Insurance Agent to make their sales. Consumers are more likely to accept insurance products as financial information becomes more easily accessible and consumer’s understanding of the industry grows; this results in rapid growth of banks’ insurance sales. Of the premium income from new insurance policies last year, the income from bank channels has reached 57.1% of all channels, exceeding 50% for the first time, largely surpassing that of insurance agents. This new record also indicates that banks will play a major role in the insurance industry. The data in this study was collected from financial consultants of C-bank. In this study,260 questionnaires were sent out, and a total of 225 effective questionnaires were returned, a return rate of 86.54%。 According to data analysis, the following findings are concluded in this study: 1. Different Motivation Activities have significant impact on the sales of insurance products. 2. Different personality traits have significant impact on the sales of insurance products. 3. Different personality traits has significant impact on the effectiveness of motivation activities 4. Different demographic variables, co-marketing training and after-sales service will vary significantly due to "age", "education level" and "bank working capital". 5. Different personality traits will have significant impact on co-marketing training and after-sales service.
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Shen, Yen-Cheng, i 沈彥丞. "Investor''s Herding Behavior during the Financial Tsunami". Thesis, 2011. http://ndltd.ncl.edu.tw/handle/36473212283528983782.

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碩士
國立中興大學
財務金融系所
99
This paper mainly examines if there exist herding behavior in Taiwan Stock Market. The data in this paper begin on December 12, 2000 and end on December 31, 2010 from Taiwan Stock Exchange. We further investigate if the herding behavior increased in Taiwan Stock Market during financial tsunami. Than we examine how the herding behavior affect the performance of different investment groups. There is strong evidence of herding phenomenon in Taiwan Stock Market even though Taiwan has been listed as a developed country. After we separated investors into five groups, we find security dealers and individual investor trade with the market conscious. And the herding phenomenon has intensified for all investors during the financial tsunami, except for mutual fund. From the relation between herding behavior and performance in all sample period, we find that, except for mutual fund, the herding behavior brings negative effect to performance for all investors. On the contrary, during the financial tsunami, the herding behavior brings positive effect to performance for institutional investors but negative effect for individual investors.
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Książki na temat "Financial Apps"

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Student Aid Information Center (U.S.), red. EDExpress training: Global and App express updates : participant guide. [Washington, D.C.?: U.S. Dept. of Education], Federal Student Aid, 2002.

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Baldoni, Roberto, i Gregory Chockler. Collaborative financial infrastructure protection: Tools, abstractions, and middleware. Heidelberg: Springer, 2012.

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Affairs, United States Congress Senate Committee on Governmental. Presidential Appointments Improvement Act of 2002: Report of the Committee on Governmental Affairs, United States Senate together with additional views to accompany S. 1811 to amend the Ethics in Government Act of 1978 (5 U.S.C. app.) to streamline the financial disclosure process for executive branch employees. Washington: U.S. G.P.O., 2002.

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United States. Congress. Senate. Committee on Governmental Affairs. Presidential Appointments Improvement Act of 2002: Report of the Committee on Governmental Affairs, United States Senate together with additional views to accompany S. 1811 to amend the Ethics in Government Act of 1978 (5 U.S.C. app.) to streamline the financial disclosure process for executive branch employees. Washington: U.S. G.P.O., 2002.

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Presidential Appointments Improvement Act of 2002: Report of the Committee on Governmental Affairs, United States Senate together with additional views to accompany S. 1811 to amend the Ethics in Government Act of 1978 (5 U.S.C. app.) to streamline the financial disclosure process for executive branch employees. Washington: U.S. G.P.O., 2002.

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service), SpringerLink (Online, red. Financial Cryptography and Data Security: 16th International Conference, FC 2012, Kralendijk, Bonaire, Februray 27-March 2, 2012, Revised Selected Papers. Berlin, Heidelberg: Springer Berlin Heidelberg, 2012.

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1959-, Chen Shu-Heng, Terano Takao 1952- i Yamamoto Ryūichi, red. Agent-based approaches in economic and social complex systems VI: Post-proceedings of the AESCS International Workshop 2009 / Shu-Heng Chen, Takao Terano, Ryuichi Yamamoto, editors. Tokyo: Springer, 2011.

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Rabhi, Fethi A. Enterprise Applications and Services in the Finance Industry: 6th International Workshop, FinanceCom 2012, Barcelona, Spain, June 10, 2012. Revised Papers. Berlin, Heidelberg: Springer Berlin Heidelberg, 2013.

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WILLIS. Help Financial Accounting Apps. Prentice-Hall (Australia), 1996.

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Nolan, Paulina. Mobile Apps and Banking: Investigations of Shopping, Payment, and Financial Services. Nova Science Publishers, Incorporated, 2014.

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Części książek na temat "Financial Apps"

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Busold, Christoph, Stephan Heuser, Jon Rios, Ahmad-Reza Sadeghi i N. Asokan. "Smart and Secure Cross-Device Apps for the Internet of Advanced Things". W Financial Cryptography and Data Security, 272–90. Berlin, Heidelberg: Springer Berlin Heidelberg, 2015. http://dx.doi.org/10.1007/978-3-662-47854-7_17.

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Zhang, Zizhe. "Commercial Bank Apps Can Be Better". W Proceedings of the 2022 2nd International Conference on Financial Management and Economic Transition (FMET 2022), 173–78. Dordrecht: Atlantis Press International BV, 2022. http://dx.doi.org/10.2991/978-94-6463-054-1_20.

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Taylor, Vincent F., i Ivan Martinovic. "Short Paper: A Longitudinal Study of Financial Apps in the Google Play Store". W Financial Cryptography and Data Security, 302–9. Cham: Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-70972-7_16.

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Sarulatha, Neelakandan, Nishad Nawaz, Shoba Kesavan i Vijaya Kumar Gajenderan. "Investigating Differences in Social Commerce Apps with Special Reference to Fashion E-tailing". W Financial Technology (FinTech), Entrepreneurship, and Business Development, 767–77. Cham: Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-031-08087-6_53.

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Ayyash, Mohannad Moufeed. "A Thorough Analysis of the Perceived Risk and Customer Acceptance of Mobile Banking Apps". W Financial Technology (FinTech), Entrepreneurship, and Business Development, 35–49. Cham: Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-031-08087-6_3.

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Chothia, Tom, Flavio D. Garcia, Chris Heppel i Chris McMahon Stone. "Why Banker Bob (Still) Can’t Get TLS Right: A Security Analysis of TLS in Leading UK Banking Apps". W Financial Cryptography and Data Security, 579–97. Cham: Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-70972-7_33.

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Chothia, Tom, Flavio D. Garcia, Chris Heppell i Chris McMahon Stone. "Correction to: Why Banker Bob (Still) Can’t Get TLS Right: A Security Analysis of TLS in Leading UK Banking Apps". W Financial Cryptography and Data Security, C1. Cham: Springer International Publishing, 2023. http://dx.doi.org/10.1007/978-3-319-70972-7_36.

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Kurniasari, Florentina. "Implementation of Productivity Apps to Increase Financial Inclusion in Peer-To-Peer Lending Platform". W Eurasian Studies in Business and Economics, 107–15. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-63149-9_7.

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LoBue, Robert M. "Start-Up Investor Governance Case". W Management for Professionals, 9–13. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-48606-8_3.

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AbstractIn the current age of innovative business financing opportunities available from fintech apps, social media crowdfunding sites such as Kickstarter, Indiegogo, and RocketHub, et.al., and friends and family private equity investors, start-up firms can strategically source their venture capital funds from many globally disperse organizations and individuals. As the firm in this case learned, the benefit of alternative investing sources comes with a critical hidden risk for corporate governance. After a financial restructuring, a typical Silicon Valley software start-up found itself with close to 300 external individual shareholders, some of whom had not been documented as accredited investors. The regulatory agency could decide that the prior actions of the founders and the decisions of the board had been prejudicial to the interests of the minority investors. The management of this small private company faced an atypical investor relations dilemma, before its initial public offering (IPO).
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Szołtysik, Michał, i Artur Strzelecki. "Impact of Mobile Apps on Building Customer Relationships and Financial Support for the Football Club: Findings from Ruch Chorzów". W Marketing and Smart Technologies, 459–71. Singapore: Springer Nature Singapore, 2023. http://dx.doi.org/10.1007/978-981-19-9099-1_31.

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Streszczenia konferencji na temat "Financial Apps"

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Yige, Qin, i Bryna Meivitawanli. "IMPACT OF ONLINE FINANCIAL SERVICES APPS ON UNIVERSITY STUDENTS’ FINANCIAL MANAGEMENT IN CHINA". W World Symposium on Economics, Business and Management(WSEBM). Volkson Press, 2017. http://dx.doi.org/10.26480/wsebm.01.2017.32.34.

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Kim, Taehun, Hyeonmin Ha, Seoyoon Choi, Jaeyeon Jung i Byung-Gon Chun. "Breaking Ad-hoc Runtime Integrity Protection Mechanisms in Android Financial Apps". W ASIA CCS '17: ACM Asia Conference on Computer and Communications Security. New York, NY, USA: ACM, 2017. http://dx.doi.org/10.1145/3052973.3053018.

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Liang, Xinyue, i Jun Ma. "A Study on Screen Logging Risks of Secure Keyboards of Android Financial Apps". W 2022 IEEE International Conference on Software Analysis, Evolution and Reengineering (SANER). IEEE, 2022. http://dx.doi.org/10.1109/saner53432.2022.00024.

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Baldissera, Annalisa. "Recent Advances in Fintech: The Case of Italian Challenger Banks". W Sixth International Scientific Conference ITEMA Recent Advances in Information Technology, Tourism, Economics, Management and Agriculture. Association of Economists and Managers of the Balkans, Belgrade, Serbia, 2022. http://dx.doi.org/10.31410/itema.s.p.2022.61.

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Fintech or financial technology is a relatively recent and expand­ing phenomenon, which identifies the application of technologies, in par­ticular digital, in the financial sector. In the context of Fintech, a recent­ly born sector is represented by challenger banks (CBs), i.e. banks that do not have branches but operate exclusively through apps and smartphones. There are currently 96 challenger banks in Europe, of which 12 are located in Italy. This study aims to analyze the performance of the Italian challeng­er banks in the three years 2019-2021 to grasp the strengths and weaknesses of their management. The study highlighted how Italian challenger banks have overcome the pandemic with satisfactory results compared to 2019. This is partly due to the advantages that digital services offer in conditions in which physical travel is limited or prohibited. However, income performance also grew in 2021 and confirms the progressive strengthening of the sector.
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Nur, Triasesiarta, i Prima Adi Dewanto. "The Influence of Attitude toward Behavior, Subjective Norms, Perceived Behavioral Control on the Behavioral Intention of using PayLater Apps moderated by Financial Literacy and Hedonic Value". W 2022 10th International Conference on Cyber and IT Service Management (CITSM). IEEE, 2022. http://dx.doi.org/10.1109/citsm56380.2022.9936004.

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Doljak, Ester, i Branko Lobnikar. "Razširjenost in vpliv pandemije COVID-19 na spletno postopanje v Sloveniji". W Society’s Challenges for Organizational Opportunities: Conference Proceedings. University of Maribor Press, 2022. http://dx.doi.org/10.18690/um.fov.3.2022.13.

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Cyberloafing is the use of the Internet for private purposes and consists of visiting different websites or other cyber activities that are not connected to work tasks. It also includes using all mobile devices for non-work-related activities. Cyberloafing becomes deviant when it threatens the work processes and (may) cause financial losses due to unproductive work or inappropriate use of ICT. In the research, we measured the frequency of cyberloafing using 21 items-scale. We determined cyberloafing extent at the workplace and when working from home during the COVID-19 pandemic. 381 employees were included in the analysis; more than half of employees do cyberloafing between 20 and 30 minutes a day. Most often, respondents visit websites unrelated to their work, websites with general news, and communicate via instant messaging apps. We also found that cyberloafing working from home during the pandemic is more common than at the workplace.
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Thirumaran, M., R. P. Karthikeyan i V. Rathaamani. "Phishing Website Detection Using Natural Language Processing and Deep Learning Algorithm". W International Research Conference on IOT, Cloud and Data Science. Switzerland: Trans Tech Publications Ltd, 2023. http://dx.doi.org/10.4028/p-4oja18.

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Due to rapid growth of the internet most of the people started using internet through mobile and web apps to satisfy their needs. Such as online shopping and banking. Under OWSAP top 10 vulnerabilities, sensitive data exposure is one of the common threats that is identified in recent years and phishing is found to be a key source. Sensitive data exposure is majorly occurring in the internet using various phishing techniques and phishing is found to be a key sources of data stealing. Attackers, not only targeted the financial sectors and e-commerce industries, also in the field of defense and security . To detect the phishing attacks in webpages, many software was used. Some of the method of detection the phishing is, by using the URL of the webpage and by using contents of the webpage. Still, there is no robust and accurate software solution to detect the phishing attacks. The purpose of the research is to use both URL and contents of the webpage to identify the phishing. The proposed work is to build an automated and hybrid model using Random Forest (RF) algorithm in Machine learning with the Convolutional Neural network algorithm (CNN) in Deep Learning is applied to detect and classify the phishing in URL and web page contents in an automated manner .
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Chen, Chaochao, Xinxing Yang, Li Wang, Jun Zhou i Xiaolong Li. "Large scale app recommendation in Ant Financial". W 2017 IEEE International Conference on Big Data (Big Data). IEEE, 2017. http://dx.doi.org/10.1109/bigdata.2017.8258524.

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Koumpan, Elizabeth, Ram Ravishankar i Periasamy Girirajan. "On Demand Loans Real Time Service: Essential User Feature by the Banks in Society 5". W 13th International Conference on Applied Human Factors and Ergonomics (AHFE 2022). AHFE International, 2022. http://dx.doi.org/10.54941/ahfe1002254.

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Investing for a Sustainable Future is driving major client buying behaviors and long-term corporate strategies. We are currently at the transition between the 3rd Industrial Revolution (the computer / Internet based information industry), and the 4th Industrial Revolution (driven by digital transformation, AI, IoT, Blockchain), emerging into the 5th Industrial Revolution. This transition drives an unprecedented connection of business to purpose, democratizing technology for consumers with ease of use and integration of cyberspace with physical space In addition, Covid-19 has acted as a catalyst accelerating the virtual way people work, learn, buy, and how businesses interact with their consumers, partners, and one another, which will be forever changed. With much of life shifted online, such use of embedded finance products, transacting with e-commerce systems, etc. now demands a new level of data gathering, sharing, and management. This change in life drives the optimization of the entire social and organizational systems. In the Financial Services industry, “Buy Now, Pay Later” (BNPL) is one of the strongest trends, that redefines processes around digital payments, embedded lending, and e-commerce. With BNPL, retailers could minimize the risk of capital management during a period of huge economic uncertainty, worldwide lockdowns, and the temporary closure of non-essential physical stores. BNPL type process naturally evolves into digital frictionless user experience, replicated across channels, expanding into services such as event tickets and vacations (tailored to behavioral patterns and personalized shopping recommendations), offerings on interest-bearing financing and over-the-top payments with any merchant via their smartphone apps, QR codes, and virtual cards, making a range of goods and services more affordable.What would be the next moves? Winners in this market will be companies that combine strong consumer and merchant relationships into a composite cross-industry business process that translates to a robust value proposition and a potentially new set of business models. BNPL does not only produce monetary benefits. Because the providers have relationships with consumers and merchants, they generate powerful insights from the data exhaust, and can provide merchant partners with valuable data to understand :•Who their customers are and their target customer segments. •The types of products customers prefer. •Where customers shop. •Trading and micro-lendingIn the future, Data wallets will enable both individuals and businesses to control their participation in the new ecosystems based on their preferences, augmented by ecosystem-centric loyalty schemes, providing the foundation for new engagement models.Sustainability Linked Loans (SLLs) will support the achievement of the borrower’s environmental and social objectives, & United Nations ESG / sustainability metrics. People, Jobs, Economic Inclusion, and Sustainability will be at the heart of everybody. Banks need to turn BNPL into an opportunity, by applying technology and optimizing, automating, and even monetizing, through exponential technologies like BPA and AI. Banks should leverage their huge base of retail customers with a variety of credit products, and many established banking providers, that have merchant acquiring services. It is essential for businesses that intersect payments, lending, and e-commerce to formulate a BNPL strategy
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Sheng, Song, i Li Yueyu. "UI Fluency Design Based on Service Business of Mobile Logistics APP". W 5th International Conference on Financial Innovation and Economic Development (ICFIED 2020). Paris, France: Atlantis Press, 2020. http://dx.doi.org/10.2991/aebmr.k.200306.021.

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Raporty organizacyjne na temat "Financial Apps"

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Boruchowicz, Cynthia, Florencia López Bóo, Benjamin Roseth i Luis Tejerina. Default Options: A Powerful Behavioral Tool to Increase COVID-19 Contact Tracing App Acceptance in Latin America? Inter-American Development Bank, grudzień 2020. http://dx.doi.org/10.18235/0002983.

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Being able to follow the chain of contagion of COVID-19 is important to help save lives and control the epidemic without sustained costly lockdowns. This is especially relevant in Latin America, where economic contractions have already been the largest in the regions history. Given the high rates of transmission of COVID-19, relying only in manual contact tracing might be infeasible. Acceptability and uptake of contact tracing apps with exposure notifications is key for the implementation the “test, trace and treat” triad. In the first study of its kind in Latin America, we find that for a nationally representative sample of 10 countries, an opt-out regime with automatic installation significantly increases the probability of acceptance of such apps in almost 22 p.p. compared to an opt-in regime with voluntary installation. This triples the size and is of opposite sign of the effect found in Europe and the United States. We see that an opt-out regime is more effective in increasing acceptability in South America compared to Central America and Mexico; for those who claim not to trust the national government; and for those who do not use their smartphones for financial transactions. The severity of the pandemic at the place of residence does not seem to affect the effectiveness of the opt-out regime versus an opt-in one, but feeling personally at risk does increase the willingness to accept contact tracing apps with exposure notifications in general. These results can shed light on the use of default options in public health in the context of a pandemic in Latin America.
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Bloom, Gerald, Priya Balasubramaniam, Anabel Marin, Erica Nelson, Evert-jan Quak, Lewis Husain i Tom Barker. Towards Digital Transformation for Universal Health Coverage. Institute of Development Studies, czerwiec 2023. http://dx.doi.org/10.19088/cc.2023.005.

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The Covid-19 pandemic has re-emphasised the need to ensure equitable access to safe, effective and affordable health services. The very rapid shift to the use of smartphone apps and telephone consultations (telemedicine) has highlighted the potential impact of digital innovations on the capacity of health services to meet this need. It is time to take digital health seriously. In 2021, The Lancet and the Financial Times published a report by a commission of experts entitled Governing health futures 2030: growing up in a digital world. It describes the many ways that digital technologies are affecting health and access to health services (Kickbusch et al. 2021). The report emphasises the changing inter-relationships between the health and digital technology sectors and makes the case for effective governance of digital health. It outlines measures that can be taken to influence the speed and direction of change, with the aims of building trust and ensuring that the needs of poor and vulnerable people are met. Its focus is on global trends and global responses. This report complements that document by focusing on actions that LMICs can take to ensure that digital innovations contribute to their strategies for improving health and access to health services.
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Ramani, Shyama V., Pranav Shankar Kaundinya, Natalie Perné i Serdar Türkeli. Building Resilience to Flooding. UNU-MERIT, kwiecień 2023. http://dx.doi.org/10.53330/tlgw9214.

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Technology and innovation can mitigate and even prevent the damage caused by floods. A recent review by Kaundinya, Perné and Türkeli (2022) identified three main pathways to flood resilience: First, existing scientific knowledge and technology can be mobilised to create infrastructural innovations which can be either nature-based or non-nature based. The latter is more common and usually takes the form of the construction of dikes, dams and canals that directly reduce the probability of floods occurring. Large infrastructure projects tend to require significant financial and resource investments that are often state-backed as they are deemed too high-risk for the privatesector. The second pathway is information generation, which applies science and technology to create digital apps and platforms that improve preparedness, response and recovery from flooding through data generation and data visualisation. The rapid dissemination of information on the course of the natural disaster enables better responses from vulnerable populations as well as emergency services offering assistance during the crisis (as outlined below in point #2 of this brief). Better responses can take the form of alerts on the pathway of the floods, location of safe sanctuaries, identifying people in need and missing persons, availability of emergency services etc. The third pathway mainly concerns response and recovery through aid disbursement. Here, a variety of instruments can be put in place, including ensuring that government departments are focussed on helping impacted households through focussed programmes. Essential services recovery must also be prioritised, and the recovery stage involves both economic and non-economic actors working together to return to a (new) normal.
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Frisancho, Verónica, Alejandro Herrera i Silvia Prina. Can a Budget Recording Tool Teach Financial Skills to Youth?: Experimental Evidence from a Financial Diaries Study. Inter-American Development Bank, październik 2021. http://dx.doi.org/10.18235/0003691.

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We study the impact of a mobile app to record daily financial transactions, coupled with enumerator monitoring visits every two weeks, on youths' investment in financial literacy and financial behavior. The treatment led to a positive and statistically significant effect on financial literacy scores and greater awareness of market prices. Youth in the treatment group experienced significant improvements in access to credit. These effects persist eight months after the intervention is over.
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