Financial inclusion or access to financial services, is a major development goal for all nations across the globe. Financial inclusion does not concern only "access, but also the "use"" of financial services. This paper examines the loan taking behavior of individuals based on survey of 844...

Individuals invest in Environmental-Social-Governance (ESG)-assets not only because of (higher) expected returns but also driven by ethical and social considerations. Less is known about ESG-conscious investor subjective beliefs about crypto-assets and how these compare to traditional assets....

In this paper we discuss the state of the literature relating to the decumulation of retirement wealth and the management of retirement incomes. On the one hand, life-cycle models which allow for strong bequest motives and the effects of medical expense risks have been shown to be able to...

The COVID-19 situation has accelerated the adoption of e-commerce across the world. While, globally, there has been an increase in the share of e-commerce in total retail sales, there are variations in e-commerce adoption across countries and the difference is obtrusive when one compares...