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This book examines how markets have evolved and provides insights for improved consumer policy making. It explores, for the first time, how what we have learned through the study of behavioural economics is changing the way policy makers are addressing problems.
Welcome to the Consumer Financial Protection Bureau's Your Money, Your Goals: A financial empowerment toolkit for social services programs! If you're reading this, you are probably a case manager, or you work with case managers. Finances affect nearly every aspect of life in the United States. But many people feel overwhelmed by their financial situations, and they don't know where to go for help. As a case manager, you're in a unique position to provide that help. Clients already know you and trust you, and in many cases, they're already sharing financial and other personal information with you. The financial stresses your clients face may interfere with their progress toward other goals, and providing financial empowerment information and tools is a natural extension of what you are already doing. What is "financial empowerment" and how is it different from financial education or financial literacy? Financial education is a strategy that provides people with financial knowledge, skills, and resources so they can get, manage, and use their money to achieve their goals. Financial education is about building an individual's knowledge, skills, and capacity to use resources and tools, including financial products and services. Financial education leads to financial literacy. Financial empowerment includes financial education and financial literacy, but it is focused both on building the ability of individuals to manage money and use financial services and on providing access to products that work for them. Financially empowered individuals are informed and skilled; they know where to get help with their financial challenges. This sense of empowerment can build confidence that they can effectively use their financial knowledge, skills, and resources to reach their goals. We designed this toolkit to help you help your clients become financially empowered consumers. This financial empowerment toolkit is different from a financial education curriculum. With a curriculum, you are generally expected to work through most or all of the material in the order presented to achieve a specific set of objectives. This toolkit is a collection of important financial empowerment information and tools you can access as needed based on the client's goals. In other words, the aim is not to cover all of the information and tools in the toolkit - it is to identify and use the information and tools that are best suited to help your clients reach their goals.
Mobile technology offers an innovative and cost-effective channel for delivering a range of financial services, including mobile payments. In some jurisdictions, mobile payments simply provide a convenient option for facilitating payment transactions. In other jurisdictions, mobile payments are viewed as potentially transformative because they present an opportunity to expand access to financial services. However, as with other innovations, mobile payments raise consumer protection concerns and require robust regulatory mechanisms to address such concerns. Against this backdrop, the book adopts a typology of consumer policy tools which can be used to address the identified consumer concerns. This typology guides the enquiry into the existing consumer protection frameworks applying to mobile payments in selected jurisdictions (Canada, Kenya, and the United Kingdom). The main objective of this endeavour is to identify best practices that national authorities seeking to leverage mobile payments and similar innovations can emulate. This book will be of interest to policymakers, regulators, industry stakeholders, students, and scholars interested in the regulation of innovative financial services, particularly from a consumer protection perspective.
Buying a home is exciting and, let's face it, complicated. This booklet is a toolkit that can help you make better choices along your path to owning a home.
This joint initiative by the Inter-American Development Bank (IDB) and the OECD seeks to encourage the expansion of broadband networks and services in the region, supporting a coherent and cross-sectorial approach, to maximise their benefits for economic and social development.
Behavioural insights (BI) are lessons derived from the behavioural and social sciences, including decision making, psychology, cognitive science, neuroscience, organisational and group behaviour.
"Americans spend far more time thinking about what to buy, and what not to buy, than they do about politics. Political leaders often make political claims while using consumer terminology. And political decisions resemble consumer decisions in surprising ways. Together, these forces help give rise to the consumer-citizen: A person who depends on tools and techniques familiar from consumer life to make sense of politics. Understanding citizens as consumer-citizens has implications for a broad array of topics related to public opinion and political behaviour. More than a dozen new experiments make clear that appealing to the consumer-citizen as consumer-citizen can increase trust in government, improve attitudes toward taxes, and enhance political knowledge. Indeed, such appeals can even cause people to sign up for government-sponsored health insurance. However, the consumer-citizen may also prefer candidates whose policies would explicitly undercut their own self-interest. Two concepts from consumer psychology, consumer fairness and operational transparency, are especially useful for understanding the consumer citizen. Although the rise of the consumer-citizen may trouble democratic theorists, the lessons of the consumer-citizen can be applied to a new approach to civic education, with the aim of enriching democracy and public life"--
This edited volume covers the challenges currently faced by consumer law in Europe and the United States, ranging from fundamental theoretical questions, such as what goals consumer law should pursue, to practical questions raised by disclosure requirements, the General Data Protection Regulation and technology advancements. With governments around the world enacting powerful new regulations concerning consumers, consumer law has become an important topic in the economic analysis of law. Intended to protect consumers, these regulations typically seek to do so by giving them tools to make better decisions, or by limiting the consequences of their bad decisions. Legal scholars are divided, however, regarding the efficacy and effects of these regulations; some call for certain policies to be abolished, while others support a regulatory expansion.
This open access book addresses the current debate on extended working life policy by considering the influence of gender and health on the experiences of older workers. Bringing together an international team of scholars, it tackles issues as gender, health status and job/ occupational characteristics that structure the capacity and outcomes associated with working longer. The volume starts with an overview of the empirical and policy literature; continues with a discussion of the relevant theoretical perspectives; includes a section on available data and indicators; followed by 25 very concise and unique country reports that highlight the main extended working life (EWL) research findings and policy trajectories at the national level. It identifies future directions for research and addresses issues associated with effective policy-making. This volume fills an important gap in the knowledge of the consequences of EWL and it will be an invaluable source for both researchers and policy makers.
As behavioural insights (BI) become more widely used, countries are looking to expand the application of the methodology to new frontiers of policy making.