Wykorzystanie nowoczesnych technologii przez instytucje finansowe w procesie przeciwdziałania wykluczeniu finansowemu
Journal Title: Annales. Etyka w Życiu Gospodarczym - Year 2016, Vol 19, Issue 1
Abstract
Financial exclusion can be considered one of the important problems at the average level of socioeconomic development, which includes, among others, Poland. It consists in the presence of difficulties in accessing and/or using financial products and services on the main market that are suitable for the needs of individuals, and prevents them from leading a normal life in society. Due to its own characteristics and the trends in financial markets, this phenomenon is closely linked to the issue of the digital divide. Accordingly, it can be seen that solutions leading to the reduction of the financial exclusion are based on tools using information technology innovations and modern technologies. One of the methods recognized as the most effective in this area is financial education, which is aimed largely at children and adolescents, which justifies additionally the choice of such tools. It was equally important to determine the extent to which modern instruments are preferred in comparison to traditional ones. The aim of this paper will be the analysis of the solutions based on modern technologies that are used in actions taken to prevent financial exclusion in selected EU countries, including Poland. The structure of the paper is as follows: the first part will present the problem of financial exclusion (identifying groups particularly at risk), then it will review methods of preventing and combating financial exclusion, with particular emphasis on modern ICT tools, and the final part will indicate the possible directions and barriers facing the solutions that may lead to a reduced level of financial exclusion of individuals. The method made use of indepth analysis of the literature and a review of existing solutions, which financial institutions provide on the Web.
Authors and Affiliations
Ewa Cichowicz
Keywords
Related Articles
- EP ID EP205855
- DOI 10.18778/1899-2226.19.1.05
- Views 141
- Downloads 0
Współpraca pomiędzy biznesem a organizacjami pozarządowymi na przykładzie województwa lubuskiego
Non-governmental organisations in recent years have gained new possibilities to realise their initiatives, thanks to the strong need among corporations to maintain their socially-desired image, which translates into thei...
Praktyka wdrażania CSR w polskich przedsiębiorstwach w opinii doradców
The paper presents the experiences of advisers in implementing the concept of CSR in Polish enterprises. The article presents the results of surveys covering such issues as the implementation of CSR motives and actions t...
Organizacje pozarządowe w subregionie leszczyńskim. Potencjał i bariery
Due to the growing importance of local pro-development attitudes and non-governmental organizations for development, it is important to look at their activities in different subregions. In this work the author presents t...
Przyszłość wolontariatu pracowniczego – e-wolontariat?
The development of the Internet has created new opportunities in every field of social responsibility, including volunteering. An interesting new trend has been born – e-volunteering, which enables people to help others...
Korporacje transnarodowe a standardy CSR w zakresie ochrony środowiska
The subject of this paper is the analysis of the factors that have the greatest importance regarding the implementation of the principles of social responsibility in transnational corporations. International standards fo...