The fields of database applications and research have seen many advances in techniques and technologies, which has … created an explosion in database technology use in all types of organizations. Many of these organizations have been … successful in the utilization of database technologies, but others have failed. These successes and failures can help systems …

groups. Those with low education, women, African-Americans, and Hispanics display particularly low levels of literacy …, and poor borrowing behavior can all be linked to ignorance of basic financial concepts. While financial education programs …