In der Studie "Digital Financial Services in Africa: Beyond the Kenyan Success Story" wird erklärt, warum digitale Finanzdienstleistungen in Kenia ein Erfolg sind. Zudem werden die Herausforderungen und Chancen für die Entwicklung solcher Finanzdienste in sieben weiteren Ländern erläutert,...

The main purpose of this paper is to study the perception and willingness of Somali customers to adopt mobile money, based on an upgraded version of technology acceptance model. The questionnaire used in this study was distributed to 100 Somali customers, and the data gathered were then analysed...

This policy brief explores the implications of Open RAN concept and its technical and political developments in the mobile network industry. Open RAN is not necessarily a new technology in itself, but represents a combination of existing technologies, e.g. virtualisation, AI, commercial...

The increased need/wish for mobility amongst various sections of the society, particularly amongst professionally active groups, is confronting credit institutions (banks) and other enterprises offering financial services, with challenges to adjust their service portfolio in a way to best suit...

This paper presents a monetary-theoretic model to study the implications of networks' collection of personal identifying data and data security on each other's incidence and costs of identity theft. To facilitate trade, agents join clubs (networks) that compile and secure data. Too much data...

More than 70% of global e-mail traffic consists of unsolicited and commercial direct marketing, also known as spam. Dealing with spam incurs high costs for organizations, prompting efforts to try to reduce spam-related costs by installing spam filters. Using modern econometric methods to reduce...

Die Evolution des World Wide Web führt zu einem verstärkten Wunsch nach und Bedarf an dezentralen, selbstverwalteten Digitalen Identitäten, auch als Self-Sovereign Identities (SSI) bekannt. Im Gegensatz zu gegenwärtig verbreiteten zentralisierten und föderierten Digitalen Identitäten...

From 1994-2009, forty-three states changed the design of their driver's license/state identification cards in an effort to reduce underage access to and consumption of alcohol and tobacco. In these states, individuals under the age of 21 are issued licenses that are vertically oriented, whereas...

Die Prämienbestimmung ist nicht nur vor dem Hintergrund von Unisex ein über viele Versicherungssparten aktuell diskutiertes Thema. Häufige Veränderungen des Rechtsrahmens, die stete Entwicklung neuer Produkte, Weiterentwicklungen der Methoden und geänderte Anforderungen des Marktes...