相关论文: Effect of mobile financial services on financial b…
We investigate spatial patterns in mobile service consumption that emerge at national scale. Our investigation focuses on a representative case study, i.e., France, where we find that: (i) the demand for popular mobile services is fairly…
Aggressive incentive schemes that allow individuals to impose economic punishment on themselves if they fail to meet health goals present a promising approach for encouraging healthier behavior. However, the element of choice inherent in…
Mobile banking applications have gained popularity and have significantly revolutionised the banking industry. Despite the convenience offered by M-Banking Apps, users are often distrustful of the security of the applications due to an…
The Internet provides access to communications, information and opportunity to people. Growth of technology and its benefits should penetrate down to every citizen of a country. Rural Areas without Internet access risk being left behind in…
This study investigates how media influence and educational resources shape individual engagement with cryptocurrencies. As digital assets become increasingly mainstream, social media platforms, influencers, and financial analysts play a…
Americans across demographic groups tend to have low financial literacy, with low-income people and minorities at highest risk. This opens the door to the exploitation of unbanked low-income families through high-interest alternative…
This study examines active liquidity management by Indian open-ended equity mutual funds. We find that fund managers respond to inflows by increasing cash holdings, which are later used to purchase less-liquid stocks at favourable…
Take up of microcredit by the poor for investment in businesses or human capital turned out to be very low. We show that this could be explained by risk aversion, without relying on fixed costs or other forms of non-convexity in the…
Mobile money can facilitate financial inclusion in developing countries, which usually have high mobile phone use and steady remittance activity. Many countries in Latin America meet the minimum technological requirements to use mobile…
The financial industry should be involved in mitigating the risk of downturns in the financial wellbeing indices around the world by implementing well-developed financial tools such as insurance instruments on the underlying wellbeing…
This research article analyses and demonstrates the hidden implications for fairness of seemingly neutral data coupled with powerful technology, such as machine learning (ML), using Open Banking as an example. Open Banking has ignited a…
Transportation provides access to employment opportunities and essential services such as healthcare services; while urban areas have various transportation options, the situation differs in rural areas. Rural residents often have longer…
In recent years, mobile operations have gained wide popularity among mainstream users, and banks tend to follow this trend. But are bank customers ready to move forward? Mobile banking appears to be a natural extension of Internet banking.…
This study explores the role of gamification in enhancing academic library services in India by surveying library leaders across various institutions. Using game-like elements in non-game contexts, gamification can boost user engagement and…
The research investigates the effects of public spending on health and education in shaping the human development in south Asian three countries: India, Pakistan and Bangladesh. The study uses the VAR (Vector Auto regression) model to…
How technology affects growth or employment has long been debated. With a hiatus, the debate revived once again in the form of how Information and Communications Technology, as a form of new technology, exerts on productivity and…
Data volume grows explosively with the proliferation of powerful smartphones and innovative mobile applications. The ability to accurately and extensively monitor and analyze these data is necessary. Much concern in mobile data analysis is…
The concept of transportation demand management (TDM) upholds the development of sustainable mobility through the triumph of optimally balanced transport modal share in cities. The modal split management directly reflects on TDM of each…
This study investigates the impact of increased debt servicing costs on household consumption resulting from monetary policy tightening. It utilizes observational panel microdata on all mortgage holders in Israel and leverages…
This literature review elucidates the implications of behavioral biases, particularly those stemming from overconfidence and framing, on the intertemporal choices made by students on their underline demand preferences for student loans. A…