Informacja

Drogi użytkowniku, aplikacja do prawidłowego działania wymaga obsługi JavaScript. Proszę włącz obsługę JavaScript w Twojej przeglądarce.

English (EN)·Polski (PL)·Yкраїнський (UK)
Przejdź do strony domowej biblioteki Centralna Biblioteka Wojskowa Link otwiera się w nowym oknie Logo biblioteki Prolib Integro - strona głównaCentralna Biblioteka Wojskowa

Wyszukujesz frazę "exclusion," wg kryterium: Wszystkie pola

  Lista filtrów
Wyrównaj
    Wyświetlanie 1-5 z 5
    Tytuł:
    The use of modern technology by financial institutions in combating financial exclusion
    Autorzy:
    Cichowicz, Ewa
    Powiązania:
    https://bibliotekanauki.pl/articles/653025.pdf
    Data publikacji:
    2018
    Wydawca:
    Uniwersytet Łódzki. Wydawnictwo Uniwersytetu Łódzkiego
    Tematy:
    financial exclusion
    financial education
    Information and Communication Technologies (ICT)
    Opis:
    Financial exclusion can be considered as one of the important problems in countries at the average level of socioeconomic development that include, among others, Poland. It consists in the presence of difficulties in accessing and/or using financial products and services available on the main market that meet the needs of individuals, which prevents them from leading a normal life in society. Due to its own characteristics and trends in financial markets, this phenomenon is closely linked to the issue of the digital divide. Accordingly, it can be seen that solutions leading to the reduction of financial exclusion are based on tools using information technology innovations and modern technologies. One of the methods recognised as the most effective in this area is financial education, aimed largely at children and adolescents, which additionally justifies the choice of such tools. It is equally important to determine the extent to which modern instruments are preferred in comparison with traditional ones. The aim of this paper will be the analysis of the solutions based on modern technologies that are used in actions taken to prevent financial exclusion in selected EU countries, including Poland. The structure of the paper is as follows: the first part will present the problem of financial exclusion (identifying groups particularly at risk), then a review of methods of preventing and combating financial exclusion will be presented, with particular emphasis on modern ICT tools, and the final part will indicate possible directions and barriers to the solutions that may lead to a reduced level of financial exclusion of individuals. The methods used include an in-depth analysis of the literature and a review of existing solutions which financial institutions provide on the Web.
    Źródło:
    Annales. Etyka w Życiu Gospodarczym; 2018, 21, 5; 109-119
    1899-2226
    2353-4869
    Pojawia się w:
    Annales. Etyka w Życiu Gospodarczym
    Dostawca treści:
    Biblioteka Nauki
    Artykuł
    Tytuł:
    The role of the Lendtech sector in the consumer credit market in the context of household financial exclusion
    Autorzy:
    Waliszewski, Krzysztof
    Cichowicz, Ewa
    Gębski, Łukasz
    Kliber, Filip
    Kubiczek, Jakub
    Niedziółka, Paweł
    Solarz, Małgorzata
    Warchlewska, Anna
    Powiązania:
    https://bibliotekanauki.pl/articles/19322780.pdf
    Data publikacji:
    2023
    Wydawca:
    Instytut Badań Gospodarczych
    Tematy:
    FinTech
    Lendtech
    credit
    financial exclusion
    lending platforms
    Opis:
    Research background: According to the World Bank (2020), about 60% of adults in developing countries do not use formal financial services. Furthermore, according to the Polish Association of Loan Institutions (2022), about 3 million Poles use loans, most of them obtained online. Among the reasons for more than a decade of growth of interest in the non-bank consumer lending market there are the development of modern technology applications in finance and the establishment of the Lendtech sector. Purpose of the article: The main goal of the paper is to verify the role played by the Lendtech (LT) sector in the consumer credit market in the context of household financial exclusion. The following research questions were asked: Do credit-excluded households take advantage of LT services and, if so, to what extent? What are the behaviours and preferences of those who use consumer credit offered by LT? Do socio-demographic characteristics determine consumer use of loans offered by LT and, if so, what are they? Is the use of loans offered by LT due to credit exclusion or other factors? What action should be taken by participants in the digital consumer loan market interested in its inclusive direction? Methods: The paper uses the following methods: critical analysis of the literature, Kruskal-Wallis test, Mann-Whitney test, and nonparametric regression algorithm: k-nearest neighbors, as well as inductive inference methods. The data used is primary in nature and comes from a nationwide survey, September 2022 (CAWI method) of 1,200 Poles, of whom 200 respondents are Lendtech customers. The quota selection applied made it possible to reflect characteristics corresponding to the population of customers of lending institutions registered in BIK databases. Findings & value added: The article is a pioneering study based on an independent scientific survey, devoted to the Polish LT services market considered in terms of its relationship with one of the types of financial exclusion: credit exclusion. The most important conclusion is that people at risk of credit exclusion find a financing substitute in the LT sector, and thus it plays an important role in reducing financial exclusion, while maintaining the principle of creditworthiness verification.
    Źródło:
    Oeconomia Copernicana; 2023, 14, 2; 609-643
    2083-1277
    Pojawia się w:
    Oeconomia Copernicana
    Dostawca treści:
    Biblioteka Nauki
    Artykuł
    Tytuł:
    Wykorzystanie nowoczesnych technologii przez instytucje finansowe w procesie przeciwdziałania wykluczeniu finansowemu
    The Use of Modern Technology by Financial Institutions in Combating Financial Exclusion
    Autorzy:
    Cichowicz, Ewa
    Powiązania:
    https://bibliotekanauki.pl/articles/965033.pdf
    Data publikacji:
    2016-02
    Wydawca:
    Uniwersytet Łódzki. Wydawnictwo Uniwersytetu Łódzkiego
    Tematy:
    financial exclusion
    financial education
    Information and Communication Technologies (ICT)
    D14
    G21
    O33
    Opis:
    Financial exclusion can be considered one of the important problems at the average level of socioeconomic development, which includes, among others, Poland. It consists in the presence of difficulties in accessing and/or using financial products and services on the main market that are suitable for the needs of individuals, and prevents them from leading a normal life in society. Due to its own characteristics and the trends in financial markets, this phenomenon is closely linked to the issue of the digital divide. Accordingly, it can be seen that solutions leading to the reduction of the financial exclusion are based on tools using information technology innovations and modern technologies. One of the methods recognized as the most effective in this area is financial education, which is aimed largely at children and adolescents, which justifies additionally the choice of such tools. It was equally important to determine the extent to which modern instruments are preferred in comparison to traditional ones. The aim of this paper will be the analysis of the solutions based on modern technologies that are used in actions taken to prevent financial exclusion in selected EU countries, including Poland. The structure of the paper is as follows: the first part will present the problem of financial exclusion (identifying groups particularly at risk), then it will review methods of preventing and combating financial exclusion, with particular emphasis on modern ICT tools, and the final part will indicate the possible directions and barriers facing the solutions that may lead to a reduced level of financial exclusion of individuals. The method made use of indepth analysis of the literature and a review of existing solutions, which financial institutions provide on the Web.
    Źródło:
    Annales. Etyka w Życiu Gospodarczym; 2016, 19, 1
    1899-2226
    2353-4869
    Pojawia się w:
    Annales. Etyka w Życiu Gospodarczym
    Dostawca treści:
    Biblioteka Nauki
    Artykuł
    Tytuł:
    The Use of Corporate Social Responsibility in Combating Financial Exclusion as an Indication of Entrepreneurial Approach of Banks
    Wykorzystanie koncepcji społecznej odpowiedzialności biznesu do przeciwdziałania wykluczeniu finansowemu jako przejaw przedsiębiorczości w bankach
    Autorzy:
    Cichowicz, Ewa
    Powiązania:
    https://bibliotekanauki.pl/articles/1828340.pdf
    Data publikacji:
    2017
    Wydawca:
    Politechnika Gdańska
    Tematy:
    financial exclusion
    corporate social responsibility
    banks
    wykluczenie finansowe
    społeczna odpowiedzialność biznesu
    banki
    Opis:
    In this article the author show how banks, by pursuing corporate social responsibility concepts, contribute to fighting financial exclusion and why this may be regarded as a demonstration of their entrepreneurial approach. To fulfill this goal at first it is explained the general issues concerning the banks’ actions carried out as part of their corporate social responsibility policies. In further part of the text the attention is drawn to those forms of banks’ activities which may contribute to curbing financial exclusion in society. Particular attention is paid to the activities of banks in the process of economic education. The author strives at demonstrating that by pursuing the actions analysed herein the banks may also obtain extra benefits for themselves. The final paragraphs of the article identify reasons for which activity in this area may, or even should, be regarded as a demonstration of entrepreneurship. The considerations in the article shall primarily be of a theoretical nature.
    Artykuł ma na celu umożliwić udzielenie odpowiedzi na pytanie, w jaki sposób banki wykorzystują społeczną odpowiedzialność biznesu do przeciwdziałania wykluczeniu finansowemu oraz dlaczego może być to uznane za przejaw ich przedsiębiorczości. Autorka zaprezentuje rozwiązania wykorzystywane w tym zakresie. Następnie pokaże, że banki prowadząc takie działania (m.in. z zakresu edukacji finansowej), mogą przyczyniać się do zmniejszenia poziomu wykluczenia finansowego. Ostatecznie autorka chce wykazać, że dzięki temu osiągają również dodatkowe korzyści dla nich samych oraz dla całego systemu finansowego. Ponadto, autorka zidentyfikuje powody, dla których aktywność w tym obszarze może, a nawet powinna być uznana za przejaw przedsiębiorczości. Z uwagi na podejmowane kwestie, rozważania będą miały przede wszystkim charakter teoretyczny.
    Źródło:
    Przedsiębiorstwo we współczesnej gospodarce - teoria i praktyka; 2017, 3, 22; 113-123
    2084-6495
    Pojawia się w:
    Przedsiębiorstwo we współczesnej gospodarce - teoria i praktyka
    Dostawca treści:
    Biblioteka Nauki
    Artykuł
    Tytuł:
    Innowacje w działalności bankowej w świetle przeciwdziałania zjawisku wykluczenia finansowego w Polsce
    Autorzy:
    Cichowicz, Ewa
    Nowak, Agnieszka K.
    Powiązania:
    https://bibliotekanauki.pl/articles/630543.pdf
    Data publikacji:
    2017
    Wydawca:
    Szkoła Główna Handlowa w Warszawie
    Tematy:
    Innovative character, Financial exclusion, Financial education, Commercial banks
    Opis:
    The goal of this article is to answer the question on the importance of innovations introduced by banks in Poland from the perspective of counteracting the processes related to financial exclusion of social groups. Conseąuently, selected innovative Solutions have been considered, contributing to improving the availability of banks' offer. To accomplish this goal, we conducted an in-depth analysis of the subject literature. On this basis, the most important concepts for the subject - innovation and financial exclusion - were analysed. Subseąuently, the content of the websites of selected banks operating in Poland was reviewed. Thanks to this, it was possible to identify innovations that could help to limit financial exclusion. In addition, information of what methods and tools are used by other institutions (including international ones) in the fight against financial exclusion were also used
    Źródło:
    Kwartalnik Kolegium Ekonomiczno-Społecznego Studia i Prace; 2017, 2; 179-196
    2082-0976
    Pojawia się w:
    Kwartalnik Kolegium Ekonomiczno-Społecznego Studia i Prace
    Dostawca treści:
    Biblioteka Nauki
    Artykuł
      Wyświetlanie 1-5 z 5

      Ta witryna wykorzystuje pliki cookies do przechowywania informacji na Twoim komputerze. Pliki cookies stosujemy w celu świadczenia usług na najwyższym poziomie, w tym w sposób dostosowany do indywidualnych potrzeb. Korzystanie z witryny bez zmiany ustawień dotyczących cookies oznacza, że będą one zamieszczane w Twoim komputerze. W każdym momencie możesz dokonać zmiany ustawień dotyczących cookies