Financial Inclusion, Technology and Virtual Banking
A Theoretical Perspective
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Beschreibung
This book challenges the notion that technology promotes financial inclusion. Drawing insights from the retail banking industry in Hong Kong, it explores the potential drawbacks of technology adoption. The book combines existing articles, regulatory case studies, and interviews with customers and practitioners to propose four factors that measure digital financial inclusion, defined as the impact of technology on financial inclusion, from the customer's viewpoint. It offers practical guidance by identifying business incentives for banks and providing law and policy recommendations for regulators. This book serves as a valuable resource for scholars, regulators, and practitioners in law and social sciences, shedding light on the complex relationship between technology and financial inclusion while bridging the gap between supply-driven approaches and customer demands.
This book challenges the notion that technology promotes financial inclusion. Drawing insights from the retail banking industry in Hong Kong, it explores the potential drawbacks of technology adoption. The book combines existing articles, regulatory case studies, and interviews with customers and practitioners to propose four factors that measure digital financial inclusion, defined as the impact of technology on financial inclusion, from the customer's viewpoint. It offers practical guidance by identifying business incentives for banks and providing law and policy recommendations for regulators. This book serves as a valuable resource for scholars, regulators, and practitioners in law and social sciences, shedding light on the complex relationship between technology and financial inclusion while bridging the gap between supply-driven approaches and customer demands.
Challenges existing views on technology's role in financial inclusion Proposes a customer-centric model for digital financial inclusiveness Provides guidance for regulators and banks in navigating complex relationship between technology and financial inclusion
Autor*in
Sau Wai Law
Themen in »Financial Inclusion, Technology and Virtual Banking«
SDG 8 Technology for financial inclusion Technology adoption in financial services Digital banking Customer perspective of financial inclusion Facilitating access to financial services
Stimmen zu »Financial Inclusion, Technology and Virtual Banking«
“At the outset I must say that I was very impressed with this book. It brings a degree of methodical rigour coupled with an In depth empirical analysis. All too often over-enthusiastic technologists may over-claim that, among other benefits, technology will increase financial inclusion. ... This book has a much more clear-eyed view. At the book’s heart is some empirical research in which customers in Hong Kong express their views on virtual banking.” (Alan Brener, Journal of International Banking Law and Regulation, Vol 40 (4), 2025)
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