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This book highlights the essence of information technology in the modern digital world in relation to improvements and threats to organisations and e-business in the era of the digital economy. Rapid IT development has created modern business proposals such as digital and virtual currencies, crowdfunding, peer-to-peer lending, mobile banking, online investing and new payment systems. This allows organisations and firms to increase competitiveness by using financial products and services, thus increasing their value. Information technology users receive significant timesaving and a choice of investment options. At the same time, there is a new challenge for regulators who must monitor how thi...
A PDF version of this book is available for free in open access via www.tandfebooks.com as well as the OAPEN Library platform, www.oapen.org. It has been made available under a Creative Commons Attribution-Non Commercial-No Derivatives 3.0 license and is part of the OAPEN-UK research project. This book traces the history and development of a mutual organization in the financial sector called SWIFT, the Society for Worldwide Interbank Financial Telecommunication. Over the last forty years, SWIFT has served the financial services sector as proprietary communications platform, provider of products and services, standards developer, and conference organizer ("Sibos"). Founded to create efficienc...
This book highlights the essence of information technology in the modern digital world in relation to improvements and threats to organisations and e-business in the era of the digital economy. Rapid IT development has created modern business proposals such as digital and virtual currencies, crowdfunding, peer-to-peer lending, mobile banking, online investing and new payment systems. This allows organisations and firms to increase competitiveness by using financial products and services, thus increasing their value. Information technology users receive significant timesaving and a choice of investment options. At the same time, there is a new challenge for regulators who must monitor how thi...
This book provides an in-depth analysis of the wheat production developments in the Eurasian region and assesses the potential contribution of the region to domestic and international food security. In particular, the book covers policy and institutional developments of the agricultural sector in Eurasia with a special focus on the horizontal issues relevant to the current and future potential growth of the wheat production, such as land policy, credit and finance, privatization, farm restructuring, and environmental challenges. Global food security is a major societal concern in the light of an increasing population, which is projected to grow from around seven billion today to almost 10 bi...
This book explains how barriers to growth in rail freight transport across Europe can be overcome. It recommends a simple set of charges that create incentives for management and planning of train operations across national borders.
This open access Pivot demonstrates how a variety of technologies act as innovation catalysts within the banking and financial services sector. Traditional banks and financial services are under increasing competition from global IT companies such as Google, Apple, Amazon and PayPal whilst facing pressure from investors to reduce costs, increase agility and improve customer retention. Technologies such as blockchain, cloud computing, mobile technologies, big data analytics and social media therefore have perhaps more potential in this industry and area of business than any other. This book defines a fintech ecosystem for the 21st century, providing a state-of-the art review of current literature, suggesting avenues for new research and offering perspectives from business, technology and industry.
A new wave of technological innovations, often called “fintech,” is accelerating change in the financial sector. What impact might fintech have on financial services, and how should regulation respond? This paper sets out an economic framework for thinking through the channels by which fintech might provide solutions that respond to consumer needs for trust, security, privacy, and better services, change the competitive landscape, and affect regulation. It combines a broad discussion of trends across financial services with a focus on cross-border payments and especially the impact of distributed ledger technology. Overall, the paper finds that boundaries among different types of service providers are blurring; barriers to entry are changing; and improvements in cross-border payments are likely. It argues that regulatory authorities need to balance carefully efficiency and stability trade-offs in the face of rapid changes, and ensure that trust is maintained in an evolving financial system. It also highlights the importance of international cooperation.
Starting plants from a seed grants earlier harvests, greater variety, healthier seedlings, lower costs, and the undeniable sense of satisfaction and reward. For the most complete, up-to-date information on starting plants from seed, turn to The New Seed-Starter's Handbook. Written by a gardener with 30 years of experience, this updated, easy-to-use reference explains everything you need to know to start seeds and raise healthy seedlings successfully. You'll find: - The latest research in seed starting - The best growing media - The newest gardening materials - Solutions to seed-starting problems - Source lists for seeds and hard-to-find gardening supplies The robust encyclopedia section lists more than 200 plants—including vegetables and fruits, garden flowers, wildflowers, herbs, trees, and shrubs—with details on how to start each from seed.
This study summarizes the first five years (1991-96) of agrarian reforms in Ukraine, presenting the results of a farm-level survey conducted in 11 provinces between January and March 1996. The findings show that the growth of private farming has slowed do