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The impact of information and communication technology on intermediation, outreach, and decision rights in the microfinance industry

Description

The microfinance industry provides financial services to the world's poor in hopes of moving individuals and families out of poverty. This dissertation document suggests that information and communication technologies (ICTs)

The microfinance industry provides financial services to the world's poor in hopes of moving individuals and families out of poverty. This dissertation document suggests that information and communication technologies (ICTs) are changing the microfinance industry, especially given recent advancements in mobile banking, Internet usage and connectivity, and a decreasing digital divide. These impacts are discussed in three essays. First, ICTs impact intermediation among various players in the microfinance industry. Second, ICTs impact the extent to which microfinance institutions (MFIs) extend their outreach to poorer or more geographically remote borrowers. Finally, ICTs impact the location of decision rights given newly forming peer-to-peer (P2P) social microlending organizations. As the microfinance industry increases its adoption and reliance on ICTs, new and interesting opportunities abound for researchers in the information systems discipline.

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Date Created
  • 2012

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Analysis of an information sharing system model within the community of Navajo County, Arizona

Description

Law enforcement, schools and universities, health service agencies, as well as social service agencies, each acquire information from individuals that receive their services. That information gets recorded into the respective

Law enforcement, schools and universities, health service agencies, as well as social service agencies, each acquire information from individuals that receive their services. That information gets recorded into the respective application system of each organization. The information, however, gets recorded only in the context of each service rendered and within each system used to record it. Information that is recorded by the police department for one individual is entirely different from the information that is recorded by the hospital for that same individual. What if all the organizations used the same system to record information? What if all the organizations followed the same protocols to record information as well as access it? The goal of this research was to analyze a system that allows for all organizations within a community to share information with each other. Technically, this system is feasible. However, public opinion says sharing personal information is unethical, and Federal regulation says it is unlawful. To accomplish an information-sharing system of this type, both regulation and public opinion need to be addressed.

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Date Created
  • 2012