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This book provides a critical and theoretically-informed assessment of the nature and types of structural change occurring in the Irish welfare state in the context of the 2008 economic crisis. Its overarching framework for conceptualising and analysing welfare state change and its political, economic and social implications is based around four crucial questions, namely what welfare is for, who delivers welfare, who pays for welfare, and who benefits. Over the course of ten chapters, the authors examine the answers as they relate to social protection, labour market activation, pensions, finance, water, early child education and care, health, housing and corporate welfare. They also innovatively address the impact of crisis on the welfare state in Northern Ireland. The result is to isolate key drivers of structural welfare reform, and assess how globalisation, financialisation, neo-liberalisation, privatisation, marketisation and new public management have deepened and diversified their impact on the post-crisis Irish welfare state. This in-depth analysis will appeal to sociologists, economists, political scientists and welfare state practitioners interested in the Irish welfare state and more generally in the analysis of welfare state change.
Migrants and Their Money chronicles the financial practices of low-paid migrant men and women living and working in London, within the context of the recent financial meltdown. Drawing on the fascinating stories and experiences of these migrants, Kavita Datta illuminates the ways--both formal and informal--they negotiate the complex financial landscape they encounter in one of the world's economic capitals.
The global economy has experienced four waves of rapid debt accumulation over the past 50 years. The first three debt waves ended with financial crises in many emerging market and developing economies. During the current wave, which started in 2010, the increase in debt in these economies has already been larger, faster, and broader-based than in the previous three waves. Current low interest rates mitigate some of the risks associated with high debt. However, emerging market and developing economies are also confronted by weak growth prospects, mounting vulnerabilities, and elevated global risks. A menu of policy options is available to reduce the likelihood that the current debt wave will end in crisis and, if crises do take place, will alleviate their impact.
In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.
Technology is changing the landscape of the financial sector, increasing access to financial services in profound ways. These changes have been in motion for several years, affecting nearly all countries in the world. During the COVID-19 pandemic, technology has created new opportunities for digital financial services to accelerate and enhance financial inclusion, amid social distancing and containment measures. At the same time, the risks emerging prior to COVID-19, as digital financial services developed, are becoming even more relevant.