相关论文: Effect of mobile financial services on financial b…
In this paper, we examine the effectiveness of various recommendation strategies in the mobile channel and their impact on consumers' utility and demand levels for individual products. We find significant differences in effectiveness among…
Financial literacy and financial education are important components of modern life. The importance of financial literacy is increasing for financial consumers because of the weakening of both government and employer-based retirement…
The explosion of mobile phone communications in the last years occurs at a moment where data processing power increases exponentially. Thanks to those two changes in a global scale, the road has been opened to use mobile phone…
Uniform and affordable Internet is emerging as one of the fundamental civil rights in developing countries. However in India, the connectivity is far from uniform across the regions, where the disparity is evident in the infrastructure, the…
The use of Internet and Internet-based services on PCs, Laptops, Net Pads, Mobile Phones, PDAs etc have not only changed the global economy but also the way people communicate and their life styles. It also has evolved people from different…
Financial exclusion constrains entrepreneurship, increases income volatility, and widens wealth gaps. Underbanked consumers in Istanbul often have no bureau file because their earnings and payments flow through informal channels. To study…
Through seven publications this dissertation shows how anonymized mobile phone data can contribute to the social good and provide insights into human behaviour on a large scale. The size of the datasets analysed ranges from 500 million to…
Data on hundreds of variables related to individual consumer finance behavior (such as credit card and loan activity) is routinely collected in many countries and plays an important role in lending decisions. We postulate that the detailed…
This systematic review with narrative synthesis examines the social impacts of International Monetary Fund (IMF) programs. We systematically searched five academic databases and grey literature following PRISMA guidelines and included 53…
Domestic and foreign scholars have conducted many studies on the influencing factors of digital inclusive finance, but few studies on the impact of the "Belt and Road" and the establishment of node cities on digital inclusive finance.…
In this paper, we investigate the economic mobility in some money transfer models which have been applied into the research on wealth distribution. We demonstrate the mobility by recording the time series of agents' ranks and observing…
This paper examines the effects of institutional quality on financing choice of individual using a large dataset of 137,160 people from 131 countries. We classify borrowing activities into three categories, including formal, constructive…
In this study, we investigate the causal effect of financial literacy education on a composite financial health score constructed from 17 self-reported financial health and distress metrics ranging from spending habits to confidence in…
Mobile phone use is an unfolding process by nature. In this study, it is explicated as two sequential processes: mobile sessions composed of an uninterrupted set of behaviors and mobile trajectories composed of mobile sessions and…
Motor insurance can use telematics data not only to understand the individual driving style, but also to implement innovative coaching strategies that feed back to the drivers, through an app, the aggregated information extracted from the…
Various poverty reduction strategies are being implemented in the pursuit of eliminating extreme poverty. One such strategy is increased access to microcredit in poor areas around the world. Microcredit, typically defined as the supply of…
This paper provides a comprehensive examination of the evolution of credit cards in the United States, tracing their historical development, causes, consequences, and impact on both individuals and the economy. It delves into the…
Wealth inequality is an important matter for economic theory and policy. Ongoing debates have been discussing recent rise in wealth inequality in connection with recent development of active financial markets around the world. Existing…
This study investigates the dynamic and potentially causal relationships among childhood health, education, and long-term economic well-being in India using longitudinal data from the Young Lives Survey. While prior research often examines…
Financial inclusion depends on providing adjusted services for citizens with disclosed vulnerabilities. At the same time, the financial industry needs to adhere to a strict regulatory framework, which is often in conflict with the desire…