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Fintech is an innovative tool that applies technology to improve financial services.
Mobile Baking is the most common product of Fintech and has vast prospects to
improve access to financial resources for the previously unbanked populations. The role
of Fintech in providing inclusion is especially vital in developing countries- where the
proportion of the financially excluded remains high. This study focuses on the role of
M-Banking in serving mentioned populations, and identifies the factors influencing
adoption and usage of Fintech services. The last part also introduces the case of
Azerbaijan-a former USSR country, and concludes by drawing the potential paths of its
Fintech-inclusion development.
The role of a Universal Basic Income in addressing the socio-ecological crisis – a critical analysis
(2021)
Human induced environmental degradation and the continuous rise in inequality are two of the greatest and most pressing challenges currently facing society (UN, 2020). Climate mitigation, ecological sustainability, combating poverty and social inequality are considered prevailing imperatives to contemporary global policy. On the premise that the challenges of ecological sustainability and social inequality call for a collective response, many scholars claim that it requires alternative proposals designed to initiate a multi-disciplinary socio-ecological transition (SET) that can address both issues in an integrated way (Hall et al., 2019). This paper considers the proposal of a Universal Basic Income (UBI)1 that has long been discussed as redistributive economic policy and at present increasingly receives attention regarding strategies to improve ecological sustainability. Although Basic Income (BI) proposals have been put forward by Green and post-growth movements such as degrowth, the ecological case receives less emphasis as evidenced by the fact that hitherto research on the interface of UBI and the environment has been fairly limited (MacNeill & Vibert, 2019). The present paper will enlarge upon the question of how adequate the concept of a BI policy might be in addressing the socio-ecological crisis by critically discussing arguments that indicate its positive environmental impact. By doing so, the paper contributes to the current academic debate on BI that has been revitalized in recent years.
In times of progressive urbanization, cities are increasingly confronted with a series of nega- tive effects. The roads are overcrowded, the environment is polluted, and citizens are deprived of valuable urban space. In addition to the problem, customers are purchasing more and more over the internet and shipments are becoming more fragmented. Consequently, the cityscape is characterized by a large number of delivery vehicles that put a strain on the infrastructure. As this development is taking place, solutions are increasingly being sought to mitigate the negative effects of these trends. These include, in particular, collaborative logistics concepts in which various players come together and develop joint approaches to supplying cities. Hub structures are a promising concept here, which enable a consolidated supply of inner cities. Even though a multitude of such projects have already been initiated, only a few of them have managed to be permanently implemented. City projects often fail due to insufficient funds or poor stakeholder management. The city authorities play a central role in the development and realization of collaborative logistics concepts. They must take on a coordinating role and en- sure that innovative solutions are adequately promoted in order to achieve long-term success and thus mitigate the negative effects of urbanization.
Waste-to-value food products represent a new, promising product category, as farmers can enrich their profits by selling their otherwise rejected products and waste of consum- able by-products is reduced. However, so far little is known about how consumers per- ceive such ‘waste-to-value’ food products, as this is still a relatively new area of research. Profound findings on consumer’s willingness to purchase are, in addition to production feasibility tests, crucial, to decide whether waste-to-value foods prove to be economically worthwhile. This master thesis focusses on the relevance of different social and product value motives for typical grocery purchase. Moreover, their relation to the purchase in- tention towards a waste-to-value product is examined. Differences within different die- tary and buyer groups regarding purchase intention towards such a product are also ex- amined. These insights are crucial for the development of appropriate marketing commu- nication. Therefore the present study aims to answer the following research question: Who are potential target groups for waste-to-value products in the German market? Through performing an explanatory survey with regular German food shoppers (N=128). It was found that 65,7% of the total sample indicate a very high probability of purchase, while 17,2% indicate purchase intention as ‘probable’ and only 8,6% state a lower possibility of purchase. Furthermore, it was found that the altruistic motives ‘regionality focus’, ‘en- vironmental concern’ and ‘social and environmental welfare’ positively influence the purchase intention of a waste-to-value product. Purchase intention towards a waste-to- value product differed significantly between light buyers of organic food and medium and intensive buyers of organic food, as well as between non-meat eaters and people with no dietary restrictions. The overall findings of this study suggest that marketers should dif- ferentiate between these consumer groups. Furthermore, marketers of waste-to-value brands should go into a public debate on food waste with an educational marketing cam- paign to sensitize consumers on this topic.