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Author: Naoyuki Yoshino
Publisher:
ISBN: 9784899740834
Category :
Languages : en
Pages : 260
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Book Description
Rapid economic growth in Asia has gone hand in hand with increased savings. Yet, many people remain unbanked and savings are often invested abroad. If Asia is to continue to grow, governments must explore ways to better mobilize domestic finance and increase financial access. One way is through postal savings. This book (i) explains the benefits of postal savings, (ii) presents strategies ranging from a simple model of postal savings to full-fledged banking services, (iii) assesses national regulations, (iv) studies the challenges and opportunities arising from new technologies such as fintech, and (v) recommends ways to promote postal savings in developing Asia. technologies such as fintech, and (v) recommends ways to promote postal savings in developing Asia.
Author: Great Britain: Parliament: House of Commons: Business and Enterprise Committee
Publisher: The Stationery Office
ISBN: 9780215532695
Category : Political Science
Languages : en
Pages : 220
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Book Description
For Vol. 1, Report, see (ISBN 9780215532725)
Author: Naoyuki Yoshino
Publisher:
ISBN: 9784899740834
Category :
Languages : en
Pages : 260
Get Book Here
Book Description
Rapid economic growth in Asia has gone hand in hand with increased savings. Yet, many people remain unbanked and savings are often invested abroad. If Asia is to continue to grow, governments must explore ways to better mobilize domestic finance and increase financial access. One way is through postal savings. This book (i) explains the benefits of postal savings, (ii) presents strategies ranging from a simple model of postal savings to full-fledged banking services, (iii) assesses national regulations, (iv) studies the challenges and opportunities arising from new technologies such as fintech, and (v) recommends ways to promote postal savings in developing Asia. technologies such as fintech, and (v) recommends ways to promote postal savings in developing Asia.
Author: Michael A. Crew
Publisher: Springer
ISBN: 3319128744
Category : Political Science
Languages : en
Pages : 334
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Book Description
Worldwide, postal and delivery economics is the subject of considerable interest. The postal industry’s business model is in drastic need of change. Notably, the European Commission and member states are still wrestling with the problems of implementing liberalization of entry into postal markets, addressing digital competition, and maintaining the universal service obligation. In the United States, the Postal Accountability and Enhancement Act of 2006 has, perhaps, exacerbated some of the problems faced by the United States Postal Service (USPS). Currently, the USPS has serious financial problems because of difficulties it faces in making changes and the failure of the Act to address problems that have been long-standing. Electronic competition is severe and affects post offices (POs) worldwide, which have been slow to address the threat. This book addresses this new reality and includes discussion of how POs may attempt to reinvent themselves. Parcels and packets will play a major role in developing new business models for postal operators. This book is of use not only to students and researchers interested in the field, but also to postal operators, consulting firms, utilities, regulatory commissions, Federal Government Departments and agencies of the European Union and other countries.
Author: Great Britain: Parliament: House of Commons: Business, Innovation and Skills Committee
Publisher: The Stationery Office
ISBN: 9780215046932
Category : Business & Economics
Languages : en
Pages : 108
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Book Description
In this report the Business, Innovation and Skills Committee outlines its concerns with regards to the Government's proposals for change to the ownership and administration of the Post Office network. The new role of post offices as front offices for Government services will be vital to their ongoing financial viability. The Government must set out the services that are to be delivered through this method whilst Post Office Ltd must demonstrate a clear marketing strategy to ensure post offices are promoted as the preferred outlet for such services. The new method of remuneration for 'Local' post offices may not be viable for subpostmasters, increasing the likelihood that large supermarkets will take over the Post Office mantle. There is little detail on the programme for change with regards to mutualisation and particularly on how any such mutualisation would be affected should the majority of 'Locals' be owned by a small number of major companies. The Committee recommends that the Government outline how such a situation would affect the ability of the Post Office to become a mutual organisation. On the question of a Post Office subsidy, the Committee supports the long-term objective for post offices to become financially self-sufficient. Indirect financial support, largely in the form of the Front Office Government services will be key to achieving this ambition, but some smaller offices may never achieve financial independence and they should be supported as they often deliver some of the most vital services to rural or deprived areas.
Author: Howard Chitimira
Publisher: Taylor & Francis
ISBN: 1000875466
Category : Law
Languages : en
Pages : 237
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Book Description
Against a background of calls to prioritise the improvement of financial inclusion in Africa, this book provides an analysis of current financial inclusion measures in Southern Africa. Evaluating the existing strengths and weaknesses of financial inclusion in Africa, it identifies opportunities to improve inclusive financial services and aid poverty reduction in the region. With a focus on South Africa, Namibia, Botswana, and Zimbabwe as case studies for assessing current financial inclusion in the context of particular challenges faced by unbanked and underbanked customers, who are easy targets for cybercriminals due to low levels of digital literacy, it looks into the regulation and promotion of financial inclusion in Southern Africa. The book explores financial inclusion in the context of digital transformation in the 21st century, examining the regulation and promotion of financial inclusion in the context of digital transformation, as well as the challenges related to financial inclusion. Suggesting improvements to aspects of company law, securities and financial markets in the Southern African Development Community region, the book offers a comprehensive study on the regulation and promotion of financial inclusion in the Southern African Development Community region. It will be essential reading for students and academics researching financial inclusion, international economic law and development.
Author: Oxford Business Group
Publisher: Oxford Business Group
ISBN: 1910068055
Category : Morocco
Languages : en
Pages : 303
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Book Description
The only monarchy in North Africa, Morocco has one of the more diversified GDP mixes in the region, and the mainstays of the economy include agriculture, tourism, and the textiles industry; higher-end manufacturing, IT and communications, and outsourcing are also all becoming increasingly important. The past few years have seen some significant changes, yet the kingdom has remained stable, even amidst the broader regional turmoil. After 2.7% growth in 2012, economic activity in Morocco ramped up in 2013, increasing by 4.4% as GDP hit Dh864.6bn (€76.8bn), driven in large part by the agricultural sector. The kingdom faces exogenous challenges – such as low external demand and high commodity prices – as well as domestic complications including a fiscal deficit and unemployment, but following the government reshuffle in mid-2013, the prospects look far more positive. With the 2014 budget setting a more dynamic tone as the government takes steps to redress key fiscal imbalances, there are strong indicators pointing to the economy’s ability to continue to grow.
Author: Great Britain: Parliament: House of Commons: Treasury Committee
Publisher: The Stationery Office
ISBN: 9780215036254
Category : Business & Economics
Languages : en
Pages : 150
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Book Description
This report follows up on a previous report (HC 848-I, session 2005-06, ISBN 9780215031396), and a related publication on banking services (HC 1717, session 2005-06, ISBN 9780215031426). The Committee commends the Government's response to these earlier reports, but sets out some 33 conclusions and recommendations, including: the development of a wider range of savings options for lower income households; more protection for consumers from the risks relating to prepayment systems, such as Christmas savings schemes; the launch of a targeted national Saving Gateway scheme with the Government matching savings by low-income individuals with its own contributions; a renewed commitment from the Government to the reform and future funding of the Social Fund; the Committee commends the Government's consultation process on changes to legislation within which credit unions operate, and the possible renaming of credit unions to "community banks", the Committee further recommends that such bodies should be able to pay interest on savings.
Author: Ogochukwu Monye
Publisher: Taylor & Francis
ISBN: 100073059X
Category : Business & Economics
Languages : en
Pages : 111
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Book Description
This book explores the various considerations for achieving an effective regulatory strategy to improve financial access and usage in Nigeria and beyond. Gaps in the legal and institutional framework for digital financial services (DFS) as well as the barriers that contribute to financial exclusion are identified as are the policy changes needed to provide more extensive, accessible and sustainable financial inclusion value. In addition, the book covers divergent themes around the use of and insights for regulating industry financial services providers and challenger entities that herald industry disruption. The book adopts three research methods. The doctrinal research method is used to buttress the law and development analysis and the themes around regulation, adoption and usage of financial services. To elucidate the application of financial innovations, comparative case studies are drawn from selected jurisdictions including Kenya, South Africa, Ghana, The Philippines, Brazil, Mexico, Uganda, Pakistan, India, and Bangladesh. Lastly, using the empirical research method, the author reports the burden experienced by the residents of a community without banks in accessing finance. Included in this discussion are the barriers to finance as well as the coping strategies adopted by the community residents to access formal and informal finance.
Author: Great Britain: Parliament: House of Commons: Treasury Committee
Publisher: The Stationery Office
ISBN: 9780215033598
Category : Political Science
Languages : en
Pages : 56
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Book Description
Includes the Government's combined response to three Committee reports: i) HCP 848-I, 12th report session 2005-06 (ISBN 9780215031396) on access to affordable credit and financial advice; ii) HCP 1717, 13th report session 2005-06 (ISBN 9780215031426) on access to banking services; and iii) HCP 53, 1st report session 2006-07 (ISBN 9780215031518) on the roles of the Government and the FSA in improving financial capability. It also includes a response from the Financial Services Authority and a letter from the chairman of the Banking Code Standards Board
Author: Mark J. Scher
Publisher: Routledge
ISBN: 1317459792
Category : Business & Economics
Languages : en
Pages : 270
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Book Description
Postal savings systems in Asian developing countries play a significant role in social and economic development. In many of these countries, and others around the world, postal savings and giro remittances are the only means of providing financial services to all segments of the population, particularly women, rural communities, and the urban poor. Postal savings in many countries also hold the largest share of individual and household savings among competing institutions. This book examines the postal financial systems of some twenty countries visited by the author, and also includes case studies by expert authors from different developing nations. Among the topics covered are savings product development, investing mobilized funds, receiving overseas remittances, and utilizing financial technology.
