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Purpose: This chapter revisits digital financial inclusion as an international development agenda and discusses everything you need to know about digital financial inclusion.
Methodology: This chapter uses conceptual discourse methodology to explain digital financial inclusion.
Findings: This chapter identifies the definitions of digital financial inclusion, the goal of digital financial inclusion, the components of digital financial inclusion, the types of providers of digital financial services, the instruments for digital financial inclusion, the benefits of digital financial inclusion, the risks of digital financial inclusion, and the regulatory issues associated with digital financial inclusion. It also proposes suggestions on how to make digital financial inclusion work for the good of all. This chapter concludes by offering some implications for policymaking and practice in the digital finance ecosystem.
This chapter introduces the goals of the book Digital Humanism: A Philosophy for 21st Century Digital Society. It outlines the book’s chapter structure and discusses societal development as the context that requires Radical Digital Humanism today. The chapter argues that we need to ask the following questions: Why is Humanist philosophy important in the contemporary digital age? How can Humanism help us to critically understand how digital technologies shape society and humanity? What kind of Humanism do we need to make sense of digitalisation in society? The book Digital Humanism: A Philosophy for 21st Century Digital Society contributes to the renewal of Humanist philosophy in the digital age.
This chapter deals with the question: What is Digital Humanism? It argues that Digital Humanism is a philosophy suited for the analysis of the digital age that has specific epistemological, ontological and axiological dimensions. It also introduces a specific version of Digital Humanism, namely Radical Digital Humanism. It argues that we need to advance the co-operation of all Humanisms in order to circumvent the rise of new fascisms in the digital age. The chapter also discusses and responds to objections to Digital Humanism.
Purpose: This chapter aims to present the arguments for and against central bank digital currency (CBDC) increasing financial inclusion. Financial inclusion is one of the…
Purpose: This chapter aims to present the arguments for and against central bank digital currency (CBDC) increasing financial inclusion. Financial inclusion is one of the many reasons for issuing a CBDC.
Need for the study: There is a need to offer a critical perspective on the proposed financial inclusion benefits of CBDC. This is the first paper to present arguments supporting and statement against CBDC for financial inclusion.
Method: This chapter uses discourse analysis methodology to identify the arguments about CBDC promoting financial inclusion
Findings: The arguments in support of CBDC increasing financial inclusion are that CBDCs can digitise value chains, CBDCs can improve access to digital financial services, CBDCs can help to enlarge the digital economy, CBDCs can enhance the efficiency of digital payments, CBDCs can be used offline when there is no internet coverage, and CBDCs have low transaction costs. Some criticisms are that CBDC may not prioritise financial inclusion, a high price to purchase digital devices for holding a CBDC, non-interest-bearing CBDCs, the strong preference for cash over digital currency, the burdensome identification and regulatory requirements, and the imposition of transaction costs.
Implications: Overall, the arguments presented in this chapter show that there is still disagreement over whether a central bank’s digital currency can increase financial inclusion. Nevertheless, in the light of recent events, many central banks are determined to issue a CBDC for many reasons. Even though CBDCs do not achieve the intended financial inclusion objective, at least the other goals for publishing a CBDC will be performed, such as a significant reduction in cash management costs and the effective conduct of monetary policy.
The purpose of the research is to determine perspectives and spheres of application of innovational managerial technologies of decision-making in the sphere of digital…
The purpose of the research is to determine perspectives and spheres of application of innovational managerial technologies of decision-making in the sphere of digital medicine in modern business systems in the interests of improvement of the healthcare system.
The methods of systemic, problem, logical, and structural & functional analysis and the methods of modeling of economic processes and systems and formalization are used.
It is shown that the most perspective innovational managerial technologies include digital marketing, digital collection of feedback, digital selection of models of managerial decisions, intellectual technologies of decision support, and digital monitoring and control over making and implementation of managerial decisions. The spheres of application of digital technologies in the sphere of digital medicine include collection of feedback from patients, collection of feedback from medical workers, usage of successful experience of other medical organizations, automated selection of managerial decisions, automated selection of the optimal decision of the existing alternatives according to the set criteria, and electronic reports of medical organizations and its administration.
Wide opportunities of usage of innovational managerial technologies of decision-making in the sphere of digital medicine in modern business systems are determined; they allow improving the healthcare system. These technologies could be applied at all stages of the process of making of managerial decisions. A conceptual model of application of innovational managerial technologies of decision-making in the sphere of digital medicine in modern business systems is developed.
Digital technologies have changed the way we work and live since their advent; they affect individuals, businesses and society, especially the business world. Digital…
Digital technologies have changed the way we work and live since their advent; they affect individuals, businesses and society, especially the business world. Digital transformation has become a significant concern for all companies now, and it is hard to find a company that has not embarked on a digital transformation project. The main question of our study is to understand the most significant digital transformation challenges companies are facing and how they can overcome these challenges.
The research contains an analytical study of some recent studies on this topic. Findings indicate that technology is not a huge barrier to companies, but digital skills, digital culture and digital strategy are the biggest. Furthermore, we present several practical solutions to overcome these challenges at the end of this research.
Digital twins provide enormous opportunities for smart buildings. However, an up-to-date intellectual landscape to understand and identify the major opportunities of…
Digital twins provide enormous opportunities for smart buildings. However, an up-to-date intellectual landscape to understand and identify the major opportunities of digital twins for smart buildings is still not enough. This study, therefore, performs an up-to-date comprehensive literature review to identify the major opportunities of digital twins for smart buildings.
Scientometric and content analysis are utilised to comprehensively evaluate the intellectual landscape of the general knowledge of digital twins for smart buildings.
The study uncovered 24 opportunities that were further categorised into four major opportunities: efficient building performance (smart “building” environment), efficient building process (smart construction site environment), information efficiency and effective user interactions. The study further identified the limitations of the existing studies and made recommendations for future research in the methodology adopted and the research domain. Five research domains were considered for future research, namely “real-time data acquisition, processing and storage”, “security and privacy issues”, “standardised and domain modelling”, “collaboration between the building industry and the digital twin developers” and “skilled workforce to enable a seamless transition from theory to practice”.
All stakeholders, including practitioners, policymakers and researchers in the field of “architecture, engineering, construction and operations” (AECO), may benefit from the findings of this study by gaining an in-depth understanding of the opportunities of digital twins and their implementation in smart buildings in the AECO industry. The limitations and the possible research directions may serve as guidelines for streamlining the practical adoption and implementation of digital twins for smart buildings.
This study adopted scientometric and content analysis to comprehensively assess the intellectual landscape of relevant literature and identify four major opportunities of digital twins for smart building, to which scholars have given limited attention. Finally, a research direction framework is presented to address the identified limitations of existing studies and help envision the ideal state of digital twins for smart buildings.