Moldovan employers voice concerns that workers' low levels of socioemotional capabilities, such as poor work ethics, lack of motivation, and limited problem-solving skills, are among the major constraints for business development and productivity. The World Bank's 2013 Business Environment and...

A growing body of empirical work suggests that personalized, just-in-time consultation about financial decision-making, with an emphasis on goal-setting, may be more effective to bring about improvements in financial consumer behavior than generalized, classroom-style education. With this in...

With a view to supporting Croatia's continued efforts to advance its digital transformation, this report contains the findings of a comprehensive study of the digital sector in Croatia. In this study, the digital sector is defined as the internet (fixed and mobile), telephony (fixed and mobile),...

E-commerce, defined broadly as the sale of goods and services facilitated through the internet, is a key growth opportunity for Albania. Sellers can benefit from internet marketing, 24-hour online shopping and remote transaction settlement to reach more customers. Buyers, including both...

This study provides an early assessment of the impact of Coronavirus (COVID-19) on e-commerce platforms and digital financial services, identifying the opportunities, good practices, and key challenges that have emerged in different regions. The focus of the study is to evaluate the impact of...

The objective of this technical report and the accompanying skills profiles report is twofold. First, the technical report explains the methodology used to transform job postings text into OV data and in turn, illustrates how to use those data to produce labor market intelligence valuable to...

Fintech is increasingly recognized as a key enabler for financial sectors worldwide, enabling more efficient and competitive financial markets while expanding access to finance for traditionally underserved consumers. A critical challenge for policy makers is to harness the benefits and...

Open banking schemes provide consumers with more choice and new financial products and services through the use of technology, particularly application programing interfaces (API's). The main objective of this paper is to provide guidance on how to implement consumer consent protocols to access...

This report aims to deepen the understanding of barriers to and incentives for the acceptance and use of electronic payments, from the perspective of micro, small and medium retailers (merchants). Developing and accelerating acceptance of electronic payments by these merchants is essential to...

The buzz around Internet of Things (IoT) has gathered momentum but the IoT phenomenon is poorly understood by governments and businesses. Governments are under pressure to become more innovative, evidence-based, and collaborative and IoT seems to offer opportunities such as increased...