Mobile Banking Adoption by Under-Banked Communities in the United States: Adapting Mobile Banking Features from Low-Income Countries

Author(s):  
Solomon Negash
2020 ◽  
Vol 6 (1) ◽  
pp. 41
Author(s):  
Ram Lakhan ◽  
Sean Y. Gillette ◽  
Sean Lee ◽  
Manoj Sharma

Background and purpose: Access to healthcare services is an essential component for ensuring the quality of life. Globally, there is inequity and disparities regarding access to health care. To meet the global healthcare needs, different models of healthcare have been adopted around the world. However, all healthcare models have some strengths and weaknesses. The purpose of this study was to examine the satisfaction among a group of undergraduate students from different countries with their health care models namely, insurance-based model in the United States and “out-of-pocket” model prevalent in low-income countries.Methods and materials: The study utilized a cross-sectional research design. Undergraduate students, representing different nationalities from a private Southeastern College, were administered a researcher-designed 14-item self-reported electronic questionnaire. Independent t-test and χ2 statistics were used to examine the differences between two health care systems and the qualitative responses were analyzed thematically.Results: Satisfaction towards health care system between the United States and low-income countries was found significantly different (p < .05). However, students in both settings experienced an inability toward affording quality healthcare due to economic factors and disparities.Conclusions: There is dissatisfaction with health care both in the United States and low-income developing countries among a sample of undergraduate students representing these countries. Efforts to ensure low-cost affordable health care should be a global goal.


2012 ◽  
Vol 69 (3) ◽  
pp. 351-365 ◽  
Author(s):  
Patricia Pittman ◽  
Carolina Herrera ◽  
Joanne Spetz ◽  
Catherine R. Davis

More than 8% of employed RNs licensed since 2004 in the United States were educated overseas, yet little is known about the conditions of their recruitment or the impact of that experience on health care practice. This study assessed whether the labor rights of foreign-educated nurses were at risk during the latest period of high international recruitment: 2003 to 2007. Using consensus-based standards contained in the Voluntary Code of Ethical Conduct for the Recruitment of Foreign-Educated Health Professionals to the United States, this study found 50% of actively recruited foreign-educated nurses experienced a negative recruitment practice. The study also found that nurses educated in low-income countries and nurses with high contract breach fees, were significantly more likely to report such problems. If, as experts believe may occur, the nursing shortage in the United States returns around 2014, oversight of international recruitment will become critically important to delivering high-quality health care to Americans.


Author(s):  
Sara Rosenbaum ◽  
Kay A. Johnson ◽  
Rachel Gunsalus

This chapter focuses on the impact of social injustice on children, primarily in the United States, emphasizing children’s rights in a legal context. It begins with a discussion of the legal status of children in society, citing international standards and U.S. law. It describes how social injustice affects the health needs of children. It describes how poverty, environmental hazards, public policies related to civil and human rights, and other factors threaten the health of children. It analyzes the underlying factors and roots of social injustice that affect children, including maldistribution of income and failure to invest in the neediest families. The chapter concludes with a discussion of what needs to be done and the roles of health workers in addressing social injustice that affects children. A text box describes how the United States compares with other high-income countries in addressing the needs of children. Another text box focuses on saving children’s lives in low-income countries.


2009 ◽  
Vol 28 (4) ◽  
pp. 986-995 ◽  
Author(s):  
A.K. Nandakumar ◽  
Joanne Beswick ◽  
Cindy Parks Thomas ◽  
Stanley S. Wallack ◽  
Daniel Kress

2015 ◽  
Vol 2 (1) ◽  
pp. 17-24 ◽  
Author(s):  
O.C. Nwagwu Emeka

Studies indicate that about 23 percent to 28 percent of the physicians working and residing in the United States, Canada, Australia, the UK and New Zealand were born and trained in the low-income countries, areas suffering from critical shortages of physicians and other health workers. In the US alone, the preponderance of the foreign physicians hails from South Africa, Philippines, India, Pakistan, and Nigeria. From Africa alone where the burden of disease, poverty, deprivation and death are greatest, around 23,000 qualified physicians emigrate annually. From the perspectives of the low-income countries, significant amounts of resources are, by necessity, committed into turning their nationals into vital intellectual capital for their own desperately needed health needs and crumbling healthcare systems. Thus, the migration of these physicians to other nations to help strengthen their already stable health care systems is not only ethically deplorable but poses moral hazards for both the physicians and the high-income countries. That is, high-income countries such as the United States, Canada, UK, Australia and New Zealand are draining the scarce recourses of the low-income countries through the loss of intellectual capital, a phenomenon that socio-economic and developmental experts have dubbed “the brain drain”.


2011 ◽  
Vol 18 (1) ◽  
pp. 6 ◽  
Author(s):  
Kanika Metre

As the number of mobile phone subscriptions has rapidly expanded in developing countries, so too has the use of mobile phones to facilitate small-scale financial transactions around the world. Microfinance experts have recognized these mobile banking services as a means for expanding access to financial services among poor and low-income populations. Innovations over the past few years have proven that mobile network operators and banks can cooperate to create successful business models for mobile banking services. Recognizing this success, this paper further explores the ways in which private sector, public sector, and non-profit sector actors can and should collaborate to meet the financial service needs of the poor through innovations in mobile banking. Case studies from Kenya, the Philippines, the United States, Haiti, and India provide relevant lessons on how these collaborations have succeeded or failed in the past.


2021 ◽  
pp. 1-38
Author(s):  
Audrey C. Smith ◽  
Leandra Merz ◽  
Jesse B. Borden ◽  
Chris K. Gulick ◽  
Akhil R. Kshirsagar ◽  
...  

Abstract Journals publishing open access (OA) articles often require that authors pay article processing charges (APC). Researchers in the Global South often cite APCs as a major financial obstacle to OA publishing, especially in widely-recognized or prestigious outlets. Consequently, it has been hypothesized that authors from the Global South will be underrepresented in journals charging APCs. We tested this hypothesis using &gt;37,000 articles from Elsevier’s ‘Mirror journal’ system, in which a hybrid ‘Parent’ journal and its Gold-OA ‘Mirror’ share editorial boards and standards for acceptance. Most articles were non-OA; 45% of articles had lead authors based in either the United States of America (USA) or China. After correcting for the effect of this dominance and differences in sample size, we found that OA articles published in Parent and Mirror journals had lead authors with similar Geographic Diversity. However, Author Geographic Diversity of OA articles was significantly lower than that of non-OA articles. Most OA articles were written by authors in high-income countries, and there were no articles in Mirror journals by authors in low-income countries. Our results for Elsevier’s Mirror-Parent system are consistent with the hypothesis that APCs are a barrier to OA publication for scientists from the Global South.


PEDIATRICS ◽  
1991 ◽  
Vol 88 (5) ◽  
pp. 1051-1051
Author(s):  
STUDENT

The proportion of children in the United States without private or public health insurance increased from roughly 13 percent to 18 percent between 1977 and 1987, according to a new study by the Agency for Health Care Policy and Research (AHCPR). The growth in the proportion of uninsured children in poor and low-income families over the decade was even more dramatic—it rose from 21 percent to 31 percent.


1993 ◽  
Vol 14 (4) ◽  
pp. 148-151
Author(s):  
Debra H. Fiser

Definition Drowning is defined as death caused by submersion, whereas near-drowning connotes survival for some time period following submersion. The following remarks pertain to the near-drowning victim who presents for acute medical management. Epidemiology Because reporting of near-drowning incidents is incomplete, most of the available epidemiologic information focuses on drowning deaths, which number more than 6500 per year in the United States. Data from King County, Washington, however, suggest that near-drownings slightly out-number drownings. Drowning rates are highest for children under the age of 5 years and between the ages of 15 and 24 years. Males drown 4 times more frequently than females. African-Americans and low-income groups also are affected disproportionately, except for those drownings involving boats and residential swimming pools, which more often are owned by middle class groups. Drownings peak during the summer months and are most common in the southern and western United States and Alaska. Forty to 45% of all drownings occur while the victim is swimming and 12% to 29% are boat-related. Alcohol plays a substantial role in these deaths. Between one half and three quarters of all drownings occur in lakes, ponds, rivers, and the ocean. More than 40% of all submersions in these bodies of water involve older adolescents or young adults.


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