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Discrimination, Vulnerable Consumers and Financial Inclusion

2020-12-28 Business & Economics
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Release : 2020-12-28
Genre : Business & Economics
Kind : eBook
Book Rating : 192/5 ( reviews)

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Book Synopsis Discrimination, Vulnerable Consumers and Financial Inclusion by : Cătălin-Gabriel Stănescu

Download or read book Discrimination, Vulnerable Consumers and Financial Inclusion written by Cătălin-Gabriel Stănescu. This book was released on 2020-12-28. Available in PDF, EPUB and Kindle. Book excerpt: This book addresses the questions of discrimination, vulnerable consumers, and financial inclusion in the light of the emerging legal, socioeconomic, and technological challenges. New technologies – such as artificial intelligence-driven consumer credit risk assessment and Fintech platforms, the changing nature of vulnerability due to the ongoing COVID-19 pandemic, as well as the sophistication of digital technologies, which help circumvent legal barriers and protections – necessitate the continuous study of the existing legal frameworks and measures that are capable of tackling these challenges. Organized in two major parts, the first addresses, from multiple national angles, the idea of a human rights approach to consumer law, in order to replace the mantra of economic efficiency that characterizes financial services with those of human dignity and freedom from discrimination and from debt-induced servitude. The second tackles the challenges posed by increased usage of technology in connection with financial services, which tends to solve, but also creates, additional issues for consumers in general, and for vulnerable groups in particular.

A Research Agenda for Consumer Financial Behavior

2023-06-01 Business & Economics
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Release : 2023-06-01
Genre : Business & Economics
Kind : eBook
Book Rating : 656/5 ( reviews)

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Book Synopsis A Research Agenda for Consumer Financial Behavior by : Jing J. Xiao

Download or read book A Research Agenda for Consumer Financial Behavior written by Jing J. Xiao. This book was released on 2023-06-01. Available in PDF, EPUB and Kindle. Book excerpt: With contributions from an international range of active researchers, this Research Agenda provides a timely literature review on core topics related to consumer financial behavior. Chapters cover financial management behavior, desirable financial behavior and any financial behavior that helps improve financial wellbeing.

Consumer Protection for Financial Inclusion in Low and Middle Income Countries

2020
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Release : 2020
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Kind : eBook
Book Rating : /5 ( reviews)

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Book Synopsis Consumer Protection for Financial Inclusion in Low and Middle Income Countries by : Seth Garz

Download or read book Consumer Protection for Financial Inclusion in Low and Middle Income Countries written by Seth Garz. This book was released on 2020. Available in PDF, EPUB and Kindle. Book excerpt: Markets for consumer financial services are growing rapidly in low and middle income countries and being transformed by digital technologies and platforms. With growth and change come concerns about protecting consumers from firm exploitation due to imperfect information and contracting as well as from their own decision-making limitations. We seek to bridge regulator and academic perspectives on these underlying sources of harm and five potential problems that can result: high and hidden prices, overindebtedness, post-contract exploitation, fraud, and discrimination. These potential problems span product markets old and new, and could impact micro- and macroeconomies alike. Yet there is little consensus on how to define, diagnose, or treat them. Evidence-based consumer financial protection will require substantial advances in theory and especially empirics, and we outline key areas for future research.

The European Sovereign Debt Crisis

2021-08-23 Law
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Release : 2021-08-23
Genre : Law
Kind : eBook
Book Rating : 093/5 ( reviews)

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Book Synopsis The European Sovereign Debt Crisis by : Phoebus L. Athanassiou

Download or read book The European Sovereign Debt Crisis written by Phoebus L. Athanassiou. This book was released on 2021-08-23. Available in PDF, EPUB and Kindle. Book excerpt: The European Sovereign Debt Crisis: Breaking the Vicious Circle between Sovereigns and Banks explains why the euro area’s progress towards reining in the risks arising from the well-documented bi-directional financial contagion transmission mechanism that links sovereigns to commercial banks has been more prominent compared to the channel of contagion moving from banks to sovereigns. Providing an analysis of the legal and regulatory measures that Europe and the euro area have taken to mitigate the exposure of sovereigns to financial crises generated by commercial banks, this book draws attention to areas where improvements to the arsenal of tools hitherto introduced are either desirable or necessary. Chapters further explain – with recourse to economic and legal arguments – why the channel of contagion moving from sovereigns to commercial banks has proven harder to close, and explores ways in which progress could be made in the direction of closing it so as to avert the risk of future banking sector crises. This work provides essential reading for students, researchers and practitioners with an interest in sovereign debt crises and the euro-area banking system.

Global Financial Development Report 2014

2013-11-07 Business & Economics
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Release : 2013-11-07
Genre : Business & Economics
Kind : eBook
Book Rating : 853/5 ( reviews)

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Book Synopsis Global Financial Development Report 2014 by : World Bank Group

Download or read book Global Financial Development Report 2014 written by World Bank Group. This book was released on 2013-11-07. Available in PDF, EPUB and Kindle. Book excerpt: The second issue in a new series, Global Financial Development Report 2014 takes a step back and re-examines financial inclusion from the perspective of new global datasets and new evidence. It builds on a critical mass of new research and operational work produced by World Bank Group staff as well as outside researchers and contributors.

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