Search results for " service"
showing 10 items of 2936 documents
Notations et écarts de rentabilité : le marché français avant l'euro
2003
The main task of this paper is to confront two classical measures of default risk of the issuer, the rating and the spread. The first is attributed by agencies specialized in this activity (Standard and Poor's or Moody's) while the second results directly from the market price of the bond. This article studies this link over a period of two years for about forty French denominated bonds. Two measures of the spread are used and the results obtained show the very partial consideration of this information by the investors on the French bond market.
Dare Fiducia
2020
Il contributo "Dare Fiducia" fa parte della selezione di trenta “pillole di fiducia” in risposta alla call “Fabbricare fiducia” lanciata dal visionario Andrea Bartoli, co-fondatore di Farm Cultural Park. Ad una breve introduzione circa le condizioni necessarie per aprirsi con genuina curiosità, generosità e rispetto agli altri, seguono alcuni riferimenti con link ipertestuali.
Didattica sperimentale per un servizio sociale transculturale
2014
Le competenze professionali richieste agli assistenti sociali dalla società contemporanea includono la capacità continua di ampliare il loro sapere, saper fare e saper essere, integrandolo con nuove specifiche abilità nell’ascolto e nella presa in carico di persone di cultura diversa. Una sperimentazione didattica realizzata all’interno del corso di laurea in Servizio sociale dell’Università di Palermo è andata nella direzione di promuovere, innanzi tutto, una consapevolezza della rilevanza di un sapere transculturale nella pratica professionale. Da questa esperienza didattica è emersa la proposta di inserimento nel piano di studi di una nuova disciplina professionale, per integrare stabilm…
Pricing of digital goods and services
2019
Paper presented at 41st Information Systems Research Conference in Scandinavia (IRIS), Odense, Denmark. peerReviewed
How is the use of mobile money services transforming lives in Ghana?
2018
Mobile money (MM) is considered a revolutionary phenomenon in the developing world and relies on basic mobile handsets capable of voice and SMS or text. This chapter assesses the potential of mobile phones as a delivery mechanism for financial services in Ghana. Based on the sample of 595 responses collected during the months of September and October, 2016, we investigated various consequences that influence the consumer decision-making process and continuous usage within the mainstream MM or micro-financial services. In total, six hypotheses were developed and tested. The results provided support for all the hypotheses. The key takeaway from this chapter is that MM service agent credibilit…
Factors influencing mobile banking continuous use in Sub-Sahara Africa : A study of mobile banking users in Nigeria
2019
The ubiquitous diffusion of information and communications technology is fundamentally impacting several sectors. In the financial services sub-sector, the convenience and speed that mobile banking (m-banking) applications offer users have made it one of the most popular applications in use. However, the growth trajectory of the application is questionably different as it has continually seen a decline in the Nigerian market. The aim of this study is therefore to examine the factors influencing m-banking continuous use in an emerging market context by using a hybrid of unified theory of acceptance and use of technology (UTAUT2), uses and gratification, and privacy theories. Survey data were…
Mobile financial services : Introduction, definition, and conceptualization
2019
Incumbent business models in banking and payment are continuously challenged by new competition and evolving consumer expectations as banking and payment landscape have increasingly moved digital and mobile. Mobile financial services (MFS) and related technologies encompass a broad range of digital (including mobile) devices, channels, and financial transactions that consumers execute on their mobile phones or tablets. This chapter conceptualizes the term ‘MFS’ and investigates what constitutes the field of MFS. The chapter seeks to answer the following research questions: What is the mobile financial services landscape? What are MFS and how they have been conceptualized in the marketing an…
Financial literacy in the digital age : A research agenda
2023
Digital innovations are transforming financial services and resulting changes in consumer behavior and personal money management. Diffusion of pervasive digital technologies offers individuals quick and easy access to various digital services bringing opportunities and challenges into their personal money management. The study aimed to explore how digitalization affects individuals’ financial literacy and financial capability. As a result, we identified three main themes in the intersection of finance and digitalization: Fintech, Financial behavior in digital environments, and Behavioral interventions. We propose directions for measuring digital financial literacy, updates to the financial …
Digitalization in the regional context: the case of e-government services in Latvia
2018
This article examines problems of the digital trends in economies and societies from two perspectives: the extension of a digital economy to social dimensions, and the role of digital government services in regional cohesion perspectives in Latvia. This methodological approach could serve as a tool for integrating a number of main goals related to the digitalisation trends in the EU, that require support of societies as well as the improvement of social welfare at the regional and national levels. The contribution aims to offer insight into the concept of social investment and innovation as well as co-creation concept and the impact of digitalisation of public services on regional cohesion.…
Proposed Polish Advertisement Levies – An Efficient Source of Public Income or Instruments of the Political Battle?
2022
This article analyses the bill of 2nd February 2021 on additional revenues of the National Health Fund, the National Fund for the Protection of Historical Monuments and the establishment of a Fund for the Support of Culture and National Heritage in the Media Area. The draft legislation, the announcement of which has triggered an unprecedented blackout protest in private media as well as a mass anti-government protest on the Internet, provides for the introduction of new public levies called advertisement contributions and the establishment of a new state special-purpose fund – the Fund for the Support of Culture and National Heritage in the Media Area. The aim of the article is to identify …