Trade in financial services : mobile banking in Southern Africa

The report will be discussed at a policy discussion workshop that will being together a select group of policy champions from each of the focus countries to discuss appropriate incentives that encourage innovative bank and non-bank led domestic and international m-banking solutions. In this Introduction, the authors summarize the layout of the report, and then touch upon two over-arching issues that need to be taken into account in reading the report. To set the context for m-banking services in the focus countries, chapter two reviews the demand for m-banking services in Southern Africa, particularly in relation to migrant remittances and cross-border payments of trade-related transactions. This analysis is complemented by some international comparisons set out in annex C. On the supply side, chapter three briefly describes the financial and telecommunications landscape in which the development of m-banking is set. The heart of this study is the country diagnostics set out in annex A, which examine, for each country the regulatory issues that are listed in annex B. For ease of reference, the results of the country diagnostics are summarized in chapter four. The country diagnostics include a number of recommendations to overcome the constraints on the development of accessible m-banking in each country and the region, which are developed further in the draft presentation for the workshop in annex D. The main threads of the key recommendations are brought together and summarized in chapter five.Banks&Banking Reform,Emerging Markets,Access to Finance,E-Business,Remittances

Analysis of Offshoring and Homeshoring

The techniques discussed in this research paper have impacted and are important to the evolving business of today and the future. The process with which companies decide to offshore and homeshore was looked at, and through this strict guidelines and objectives companies used to ensure proper conduct while maintaining the stakeholder\u27s goals were observed. This project examined and analyzed these business practices through literature research and by interviewing business people currently involved with them

The growth and locational dynamics of the UK computer services industry,1981-1996

The central aim of this thesis is to explore the key structural, organisational and locational trends within an innovative, fast growing and strategically important producer service sector in the UK, the computer services industry. The thesis has five more specific objectives; firstly, to examine the ongoing internationalisation processes in this sector; secondly, to profile the spatial, structural and occupational structure of the UK industry in the context of these processes; thirdly, and most importantly, to explore the factors behind the uneven development pattern in this sector (London and the South East accounted for 59 per cent of employment in 1993); fourthly to contribute to the theoretical understanding of uneven development in contemporary economies; and finally, to consider the policy implications of the growth dynamics of the sector. The research is based on three main tranches of fieldwork. Firstly, 17 interviews with managers and officials in the Irish software industry provide a case study of the highly internationalised nature of the package software industry. Secondly, nine interviews with representatives of the top suppliers in the UK industry illustrate how these dominant firms are restructuring both spatially and functionally to meet the needs of the developing, international market. Thirdly, the results of a structured interview survey of 173 firms spread across four counties (Hertfordshire, Berkshire, Cheshire, Tyne & Wear) are presented to illustrate the regional variations within the industry's structure, new firm formation process and linkages that both underpin, and reflect the uneven development pattern in the sector. The analysis concludes that the dominance of the Greater South East in this industry is largely unassailable; based upon the historic growth of the industry, the region has long since achieved the critical mass to create many new firms which then reinforce the dominance, supported by the availability of labour, an acceptable living environment, and proximity to a large, high-order, regional market. The investment and restructuring strategies of key foreign-owned multinationals are also a key contributor to the South-East's primacy

Exploring the Impact of Information and Communication Technology (ICT) on Intermediation Market Structure in the Microfinance Industry

The microfinance industry provides financial services to the world’s poor in hopes of moving individuals and families out of poverty. In 2013 there were 4.7 million active microfinance borrowers in Africa. This represents a smaller percentage of the population compared to other regions of the world, indicating the potential for rapid growth of microfinance in Africa. However, microfinance is maturing, in part due to the adoption of information and communication technologies (ICTs). This research examines how ICTs are changing the microfinance industry given recent advancements in mobile banking, Internet usage, and connectivity. By examining the microfinance market structure, we determine that ICTs impact intermediation and market structure among various players in the microfinance industry. We use recent industry risk reports from 2011 through 2014 to inform our predictions of changes to the intermediation structure of the industry. We give particular attention to the impact of ICT on microfinance in Africa

Information and Communication Technologies for Women Entrepreneurs: Prospects and Potential in Azerbaijan, Kazakhstan, the Kyrgz Republic, and Uzbekistan

[Excerpt] This study uses the assessment framework and guide of the International Labour Organization (ILO)/United Nations Conference on Trade and Development (UNCTAD) ICTs for Women’s Entrepreneurship Development (ICT4WED) to assess the extent to which the countries’ environments are conducive to leveraging ICTs for WED, identify gaps in the environment, highlight the unmet needs of women entrepreneurs, and make evidence-based recommendations to address these gaps. The assessment followed the six conditions of the ILO/UNCTAD ICT4WED framework and guide: (i) gender-sensitive legal and regulatory environment that favors the economic empowerment of women; (ii) effective WED policy, leadership, and coordination; (iii) access to gender-sensitive financial services; (iv) access to gender-sensitive business development support (BDS); (v) access to markets, and access, ownership, and use of technology; and (vi) representation of women entrepreneurs and participation in policy dialogue. This study is the first of its kind to provide data on women’s access to, and use and ownership of ICTs in urban, peri-urban, and rural areas. The study also explores women’s access to ICT-related support, their preferences for support, and their willingness and ability to pay for the supporting services. It is worth noting that survey results across the four countries show women’s low awareness of and confidence in the different ways that ICTs could be used for their businesses. However, results also show their great willingness and interest to learn how to use ICTs for businesses. Interest in the type of ICTs (internet, computers, mobile phones) varies depending on women entrepreneurs’ access, ownership, and usage

City of Worcester Telecommunications Analysis

The City of Worcester realizes that an efficient and capable telecommunications system is essential for proper operation of the city government. Our team will assess options that Worcester can utilize in updating their city-wide network. We will also analyze the telephone system and the responsibilities surrounding the entire telecommunications system. Interviews will be utilized to assess the needs of various departments, and ideas presented in these interviews will be further researched. Finally, a report will be prepared consisting of recommendations for the City

Recent Trends in U.S. Services Trade: 2009 Annual Report

Recent Trends in U.S. Services Trade, 2009 Annual Report focuses principally on professional services (advertising, education, healthcare, and legal services), which provide critical inputs to various goods and service industries, as well as specialized services directly to individual consumers. The largest professional service firms in terms of revenue are located in developed countries and offer their services across the globe through both cross-border trade and affiliate transactions. The markets of many developing countries are growing rapidly and offer larger professional service firms significant merger, acquisition, and investment opportunities. U.S. services overall, and professional services in particular, grew faster in 2007 in terms of contribution to gross domestic product, employment, and cross-border exports than the average annual rate of the preceding five-year period. Services supplied to foreign consumers by foreign-based affiliates of U.S. firms, including those in professional services, also experienced recent strong growth

Community banking in the e-business era

This paper reviews how existing and potential uses of Internet technology can generate a competitive advantage for rural community banks. To do so, it offers a framework for analyzing Internet technology investment decisions. Organizations in this segment of the banking industry are often more removed from centers of technology and have traditionally been more conservative in their approaches to information technology (among other things). Banking Associations have developed in the U.S., such as the Independent Bankers Association, to try and help community banks coordinate marketing, legislative, and other issues that they have in common. The use of Internet technology can and will have a great strategic impact on the operations, management, and marketing for these banks and their associations. After a review of current technologies and their uses, the paper will identify specific opportunities for inter-, intra-, and extranet applications that could be used to enhance the internal and external competitive factors of these more isolated businesses and their associations. The paper will then present a framework for evaluating investment decisions in this new technology

Nothing is free: a survey of the social cost of the main payment instruments in Hungary

The study applies two approaches for the estimation of the social costs of main payment instruments (cash, debit card and credit card transactions, credit transfers, direct debits, business-to-business direct debits, postal inpayment money orders, postal outpayment money orders for pensions) used in Hungary in 2009. The first approach is based on the current payment structure, while the second approach is based on a more modern, hypothetical payment structure involving less cash, with no use of paper-based methods. In the first approach, the social cost amounts to HUF 388 billion, i.e. 1.49% of the GDP, while in the second approach, such cost amounts to HUF 285 billion, i.e. 1.09% of the GDP. In this context, social cost means the use of all resources (time, materials and money) necessary for the execution of payments, calculated as a net value (i.e. exclusive of fees paid for payment services). Thus, HUF 103 billion could be saved in social costs if the use of payment instruments were to be modified.private cost, social cost, net private cost, unit cost, social savings, cash transactions, debit card transactions, credit card transactions, paper-based credit transfers, electronic credit transfers, direct debits, business-to-business direct debits, postal inpayment money orders, postal outpayment money orders for pensions