Global ETD Search
Search theses and dissertations gathered from participating repositories worldwide. Every result links back to the library that holds it. No account is needed.
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Showing 1 to 20 of 37 for “"Unbanked"”.
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Cybersecurity for the unbanked: usable security heuristics for mobile financial services
… billion of the global adult population who are unbanked. Existing technical countermeasures, such as strong encryption algorithms, multi-factor authentication, and higher passcode complexity, have not fully addressed the cybersecurity problem in Mobile Financial Services (MFS). Literature has …
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A CREDIT ANALYSIS OF THE UNBANKED AND UNDERBANKED: AN ARGUMENT FOR ALTERNATIVE DATA
… economic data, collectively known as the unbanked and underbanked. The consequences of not having sufficient economic information often determines whether unbanked and underbanked individuals will receive higher price of credit or be denied entirely. In terms of regulation, there is a …
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An analysis of models of branchless banking in developing countries
This paper pays special attention to banking the unbanked population in the developing markets through branchless banking. This form of banking is defined as the delivery of financial services outside conventional bank branches using information and communications technologies and nonbank retail …
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Insight to Mexican E-Commerce and its interaction with future industrial real estate demand
… Lack of Confidence from the User, Increasing Unbanked Population, Undeveloped Infrastructure, Captive Retail Shoppers, Lag in General Development, and Shopping as a Form of Cheap Entertainment. Reliable information helps support the fact that general lack of development for internet retail in …
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Myth or magic: the impact of financial technology on financial inclusion in Africa
… to decrease poverty levels by banking the unbanked, understanding how to facilitate the banking of the previously unbanked in developing countries has become a globally topical issue. To contribute to this discussion from the perspective of Africa, the following paper endeavours to compute …
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The role of financial literacy in financial inclusion in emerging markets: evidence from South Africa
… two billion people in the world remain unbanked. The majority of the unbanked population is in the developing countries and mostly in the Sub-Saharan region. This is of huge concern to many governments and their international development partners because it hinders inclusive economic …
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Impact of Blockchain technology on US financial inclusion
… ability to profitably offer no-fee checking to unbanked and underbanked customers is the key to increasing financial inclusion in the US, and ultimately across the globe.
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Financial inclusion: A look at the institutional and credit organisational enablers in the South African market
… these institutions offer the under banked or unbanked in the society. In examining the products and services offered four factors were taken into consideration i.e. availability, acceptability, affordability and target market awareness of the product. The study was carried out using a …
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Identifying antecedents of marketing orientation of microfinance institutions in Ghana : the case study of microfinance companies
… using basic marketing principles to bank the unbanked low income customers and SMEs.
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The introduction of Islamic banking and its projected impact on financial inclusion and economic development in Uganda
… the challenge of access to credit with a big unbanked population. One of the reasons espoused in this paper for this problem has been high cost of credit access caused by prohibitively high interest rates that discourage people from attaining loans for their entrepreneurial ventures. Since …
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Determinants of financial inclusion in Namibia: An analysis of the gender
… and constitute more than half of the world 's unbanked population. The gender gap is systematic worldwide and persistent across all income groups in developing countries. However, it is interesting to observe that more eligible men are financially excluded than eligible womeri in Namibia. …
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Impacts and issues of a social innovation approach to development finance: a case study of Zoona
… services to small and micro businesses and the unbanked in Zambia using an agent network. The research was qualitative study and gathered insights from 11 agents and 8 employees through 19 personal interviews. A hybrid approach to thematic analysis was employed in the research and results …
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Opportunities and Challenges of Financial Inclusion: The Case of Mobile banking in Kinondoni District, Tanzania
… offers opportunity of financial Inclusion to the unbanked. On the other hand there are challenges which need stakeholders to address so as to bring this technological innovation into real economic development arena. The Government needs to zealously give enough weight to mobile banking development …
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An Overview of Legal & Institutional Response to Cybercrimes in Tanzania: Legal & Institutional Challenges on Combating Cybercrimes on Mobile Money Transfer & Payments; Case Study Dar-Es Salaam City.
… to be an important financial transaction to unbanked and rural areas, it is a right time for the government to enact new laws and restructure its institutions so as to protect the interest of the stakeholder within the platform.
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SMME access to finance in South Africa
… in reaching out to previously excluded and unbanked consumers and that they are more visible to the SMME than state institutions, the business owners show high levels of risk and debt aversion by not taking advantage of available SMME focused loans offered by the banks. Albeit the study …
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An exploration of alternative features in micro-finance loan default prediction models
… inclusion remains a large issue for the World's unbanked population. Financial institutions - both larger corporations and micro-finance companies - have begun to provide solutions for financial inclusion. The solutions are delivered using a combination of machine learning and alternative data. …
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Considering the steps that could be taken by formal financial service providers to ensure increased access, by low-income individuals, to bank accounts, and to extended financial services, products and initiatives.
… inclusion is, why many individuals remain unbanked, pre-conditions for successful financial inclusion, alternate financial service providers being used by lower-income individuals and households successfully which we can learn from, and a few measurement tools and mechanisms which exist in …
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Essays on the Political Economy of Inequality, Wealth, and Money
… by explaining the political economy roots of unbanked America, and by highlighting how welfare policies play a crucial role in determining whether households invest in the types of assets that build long-term wealth. Concerning the consequences of increasing inequality, this dissertation …
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Getting Out of Debt Poverty
… could remedy inadequate access to credit for unbanked and underbanked individuals – those it defines as the “very poor.” It sets out the socioeconomic circumstances that create singular barriers for the very poor. It analyses the credit needs of the very poor, the unique institutions they …
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A New Credit Scoring Model to Reduce Potential Predatory Lending: A Design Science Approach
… as 'credit invisible,' 'credit unscorable,' 'unbanked,' and 'underbanked.' These individuals typically face difficulties in establishing or repairing a credit history, which poses a challenge for financial institutions in accurately evaluating their creditworthiness. This gap in the credit …
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