scholarly journals Aplikacje PFM jako FinTech w finansach osobistych

2021 ◽  
pp. 120-140
Author(s):  
Krzysztof Waliszewski ◽  
Anna Warchlewska
Keyword(s):  
Everyday Life ◽  
Swot Analysis ◽  
Research Question ◽  
Personal Finance ◽  
Management Tool ◽  
Finance Management ◽  
Advantages And Disadvantages ◽  
Personal Finances ◽  
Further Development ◽  
Modern Technologies

Modern technologies play an increasingly important role in everyday life and, consequently, in planning and managing personal finances. The aim of the study is to assess the advantages and disadvantages as well as the opportunities and threats of using modern financial technologies in the process of managing personal finances. The chapter seeks to answer the research question whether the further development of the FinTech industry will influence the greater diversification of PFM applications in terms of functionality. The chapter consists of three main parts. The first presents the characteristics of PFM applications as a personal finance management tool. The second part provides a SWOT analysis of PFM. The chapter ends with a presentation of the results of primary and secondary research on the use of PFM applications and a conclusion.

scholarly journals Financial technologies in personal financial planning: robo-advice vs. human-advice

2020 ◽  
Vol 82 (4) ◽  
pp. 303-317
Author(s):  
Krzysztof Waliszewski ◽  
Anna Warchlewska
Keyword(s):  
Asset Management ◽  
Financial Planning ◽  
Human Factor ◽  
Finance Management ◽  
Personal Finances ◽  
Gradual Development ◽  
The Subject ◽  
Personal Financial Planning ◽  
Potential Customers ◽  
Modern Technologies

The paper presents the essence of financial technologies in personal financial planning, especially robo-advice. The main aim of the paper is to describe the presumptions for the development of robo-advice. An analysis of robo-advice on personal finance management was made. The analysis was based on a review of the subject literature, and on primary and secondary research. Particular attention was paid to the intensification of activities in the implementation of modern solutions and tools supporting the management of personal finances and the gradual development of robo-advisors. Modern solutions are still struggling with great distrust on the part of their current and potential customers, and the development of modern technologies in liquidity and asset management still requires a human factor.

PENGETAHUAN KEUANGAN DI KALANGAN MAHASISWA

2016 ◽  
Vol 2 (2) ◽  
pp. 118
Author(s):  
Kusumadyahdewi Kusumadyahdewi
Keyword(s):  
Financial Management ◽  
Personal Finance ◽  
Savings And Loans ◽  
The Public ◽  
Finance Management ◽  
Financial Firms ◽  
Financial Products ◽  
Personal Finances ◽  
Level Of Knowledge ◽  
The Subject

Currently, variety of banking products to facilitate customer transactions. So it is important to know about the knowledge of finance, including financial products. This research measures the student's understanding on financial knowledge consists of knowledge of personal finance, savings and loans, insurance, investment. The student has followed the course of accounting and financial management largely discusses financial firms, but researchers always explains its application to personal finances when teaching the subject. Measurement of the level of knowledge using questionnaires, then measured using the percentage of correct answers. Knowledge of personal financial management has been good, while knowledge of savings and loans, insurance, investments are at a low level. This study has shown the importance of improving the material being taught on the subject to expand the application on personal financial management, and understanding of banking products, insurance and investment, because students will also go to the public where it will be related to its financial problems. so hopefully with his knowledge of finance can finish well. <br /><strong>Keywords</strong>: personal finance management

scholarly journals African Generation Y students’ personal finance behavior and knowledge

2020 ◽  
Vol 17 (4) ◽  
pp. 136-144
Author(s):  
Marko van Deventer
Keyword(s):  
Generation Y ◽  
Financial Management ◽  
Personal Finance ◽  
Financial Knowledge ◽  
Public Higher Education ◽  
Gauteng Province ◽  
Convenience Sample ◽  
African Students ◽  
Finance Management ◽  
Personal Finances

Personal financial management is important, given uncertainties in both financial and economic environment. However, published research on African Generation Y students’ personal finance behavior and knowledge is limited. This study aimed to evaluate African Generation Y students’ personal finance behavior in terms of their attitudes towards financial planning and whether this cohort believes that they have the skills to manage their finances successfully. In addition, this study sought to evaluate African Generation Y students’ knowledge regarding personal finance. A convenience sample of 500 African students across the campuses of two South African public higher education institutions situated in the Gauteng province was surveyed using structured, self-administered questionnaires. The t-test results indicate that the sample deems the process of planning personal finances and managing credit, insurance, investment, and estate, as important. Moreover, the students scored low in the broad personal finance knowledge areas of basic finance, saving, spending, and debt, suggesting that this cohort is financially illiterate. The results also indicated that the students think they have the financial skillset to manage their personal finances. A high Pearson’s correlation coefficient was noted between sampled participants’ personal finance behavior and their observed personal finance management skillset regarding the relationship between the constructs. However, an insignificant relationship was found between attitudes towards personal finance and financial knowledge and between financial knowledge and African Generation Y students’ apparent finance skills. Understanding African Generation Y students’ personal finance behavior and knowledge, universities and financial institutions can more effectively identify gaps and deficiencies in students’ personal finance endeavors.

scholarly journals Zastosowanie instrumentów zarządzania finansami osobistymi w polskich gospodarstwach domowych

2015 ◽  
Vol 4 (3) ◽  
pp. 233-243
Author(s):  
Marta Musiał
Keyword(s):  
Financial Statements ◽  
Cash Flows ◽  
Personal Finance ◽  
Management Tools ◽  
Financial Situation ◽  
Finance Management ◽  
Personal Finances ◽  
Household Budget

One of the most important elements of managing personal finances is collectionof data needed for the analysis of household’s financial situation. The mostpopular personal finance management tools include financial statements (balancesheets and cash flows) and household budget. The purpose of this article isto determine how Polish households use the basic personal finances management tools. The article will characterize the tools and present the results of primarystudies concerning the use of these tools by Polish households.

scholarly journals Personal finance management in modern conditions

2020 ◽  
Vol 18 (4) ◽  
pp. 36-47
Author(s):  
Larisa A. Rodina ◽  
Lilia V. Zavyalova
Keyword(s):  
Financial Literacy ◽  
Legal Aspects ◽  
Personal Finance ◽  
Point Of View ◽  
Individual Choice ◽  
Finance Management ◽  
Bank Deposits ◽  
Personal Finances ◽  
Financial Interests ◽  
The Individual

The article is devoted to the practical aspects of personal finance management in the context of the transition to digital transformation of the economy. The need to pay attention to this aspect is due to both new opportunities for managing personal finances based on digitalization tools, and the risks of unauthorized access to them using cybernetic means. Summarizing the main sources of threats to personal finance in the context of digitalization is aimed at preventing fraudulent activities and ensuring the protection of financial information carriers. First of all, in a preventive manner, it is proposed to consider the basic problems of personal finance management from the position of accounting and planning of financial resources. The research results are aimed at increasing the financial literacy of the population, preventing encroachments and crimes in the field of personal finance, and, ultimately, at the maximum satisfaction of personal needs. Particular attention is paid to the rules of "personal financial hygiene", which imply organizational and technical measures to protect bank cards, mobile bank, deposits, cash, etc. You should also pay attention to the need to protect personal financial interests from the point of view of checking "financial contacts". An important role in the management of personal finances is played by knowledge of the norms of tax legislation in terms of deductions and benefits for taxes paid by individuals. In this regard, it is necessary to understand not only the legal aspects, but also the capabilities of the information system of relations between taxpayers and the state. It is also proposed to assess the risks of investments for individuals in the context of justifying the individual choice of an option when planning personal finances. All of these aspects are regarded as due diligence rules.

scholarly journals Strategies of Successfully Managing Personal Finances for System Excellence

2019 ◽  
Vol 8 (2S11) ◽  
pp. 3818-3821
Keyword(s):  
Financial Services ◽  
Personal Finance ◽  
Tax Planning ◽  
Management Process ◽  
Estate Planning ◽  
Finance Management ◽  
Personal Finances

Managing the money, saving and investing terms are come in to Personal finance. The term Personal finance includes mortgages, estate planning, investments, budgeting, insurance, banking and tax planning. The complete industry that provide any kind of financial services to households and individuals person often refers as Personal finance. The Personal finance management provides advises related to investment and financial opportunities. It needs to build an efficient personal finance management process for getting the system excellence. Strategies of personal finance are discussed in this paper.

scholarly journals Living lab on sharing and circular economy: The case of Turin

2021 ◽  
Vol 27 (1) ◽  
pp. 146045822098727
Author(s):  
Federico Cuomo ◽  
Nadia Lambiase ◽  
Antonio Castagna
Keyword(s):  
Circular Economy ◽  
Common Ground ◽  
Swot Analysis ◽  
Research Question ◽  
Environmental Benefits ◽  
Production Cycle ◽  
Living Lab ◽  
Starting Point ◽  
Living Labs ◽  
Past Experiences

Cities with their innovative capacity are key places to address critical climate, environmental and health challenges. Urban experimentations, such as Living Labs, can represent a starting point to reintroduce resources into the production cycle and reduce environmental impacts, embracing the paradigm of the circular economy (CE). According to recent studies, Living Labs at a city scale could generate significant environmental benefits, improvements in quality of life and positive impacts on citizens’ health.1 This paper aims at presenting the case of the Torino Living Lab on Sharing and Circular Economy (LLSC) to point out possible future scenarios of urban sustainable policies. The case study is analysed in five sections: (1) the description of the new permanent laboratory proposed by the City of Turin; (2) the past experiences of Living Labs in Turin; (3) the birth of LLSC and the involvement strategy; (4) the introduction of the eight admitted experimentations. In the light of the results collected, the last paragraph (5) came up with the Strengths, Weaknesses, Opportunities, Treaths (SWOT) analysis in the LLSC. Eventually, it deals with the research question by offering a common ground for global and local policies focused on sustainability and CE.

scholarly journals Advancements in Assessments of Bio-Tissue Engineering and Viable Cell Delivery Matrices Using Bile Acid-Based Pharmacological Biotechnologies

Nanomaterials ◽  
2021 ◽  
Vol 11 (7) ◽  
pp. 1861
Author(s):  
Armin Mooranian ◽  
Melissa Jones ◽  
Corina Mihaela Ionescu ◽  
Daniel Walker ◽  
Susbin Raj Wagle ◽  
...  
Keyword(s):  
Tissue Engineering ◽  
Viable Cell ◽  
Cell Delivery ◽  
Artificial Organ ◽  
Bioartificial Pancreas ◽  
Advantages And Disadvantages ◽  
Wide Range ◽  
Bioartificial Organs ◽  
Significant Interest ◽  
Modern Technologies

The utilisation of bioartificial organs is of significant interest to many due to their versatility in treating a wide range of disorders. Microencapsulation has a potentially significant role in such organs. In order to utilise microcapsules, accurate characterisation and analysis is required to assess their properties and suitability. Bioartificial organs or transplantable microdevices must also account for immunogenic considerations, which will be discussed in detail. One of the most characterized cases is the investigation into a bioartificial pancreas, including using microencapsulation of islets or other cells, and will be the focus subject of this review. Overall, this review will discuss the traditional and modern technologies which are necessary for the characterisation of properties for transplantable microdevices or organs, summarizing analysis of the microcapsule itself, cells and finally a working organ. Furthermore, immunogenic considerations of such organs are another important aspect which is addressed within this review. The various techniques, methodologies, advantages, and disadvantages will all be discussed. Hence, the purpose of this review is providing an updated examination of all processes for the analysis of a working, biocompatible artificial organ.

Rating assessment of economic security of municipalities in the region

2021 ◽  
Vol 97 (4) ◽  
pp. 72-81
Author(s):  
M. S. Syupova ◽  
Keyword(s):  
Local Governments ◽  
Economic Condition ◽  
Economic Security ◽  
Management Tool ◽  
Existing Problems ◽  
Advantages And Disadvantages ◽  
Current State ◽  
Regional Authorities ◽  
Negative Factors

Ensuring the economic security of municipalities is one of the key conditions for stable socio-economic de-velopment of the region. Recently, intraregional differentiation of territories has been growing, which increases the risk of the formation of negative factors that reduce the quality of life of the population. In order to neutralize and prevent acute social and economic problems, constant monitoring of the current state of the municipal econ-omy is necessary. As such a management tool, a rating assessment of the economic security of municipalities in the region can be used. The ranking of territories allows you to visualize the relative advantages and disadvantages of the development of territories. In addition, a systematic comparative analysis of controlled socio-economic pa-rameters will allow regional authorities to evaluate the results of the activities of local governments and improve the effectiveness of regional socio-economic policy. The article proposes a methodology for rating the economic security of municipalities, during which it is possible to visually assess the depth of the threats studied at the level of each territory. To this end, the proposed methodology is based on a system of indicators that identify the main problem areas of the socio-economic condition of the territories. To form the rating, the studied indicators are normalized and integral indices characterizing the level of economic security of municipalities are calculated. The methodology proposes criteria for assessing the level of municipal economic security (high; above average; aver-age; crisis; critical). According to the results of the study, a rating of municipal districts of the Khabarovsk Terri-tory was compiled. The study showed that the territories of the region are characterized by an unstable socio-economic condition. The leading positions in the rating are occupied by areas with an average level of economic security. Most municipal districts of the region have a crisis level of economic security, which provides for the de-velopment of a set of measures aimed at eliminating existing problems.

SWOT-ANALYSIS OF OUTSOURCING OF ACCOUNTING SERVICES

2021 ◽  
Vol 296 (4) ◽  
pp. 95-99
Author(s):  
ILONA ADASIUK ◽  
◽  
OKSANA MARTYNIUK ◽  
Keyword(s):  
Strategic Management ◽  
Swot Analysis ◽  
External Environment ◽  
External Factors ◽  
Analysis Model ◽  
Advantages And Disadvantages ◽  
Business Goals ◽  
Potential Risks

The article based on SWOT-analysis of outsourcing of accounting services. Accounting services can be improved if you can work on your strengths, as well as correct the weaknesses of the company or area where you lose points. SWOT-analysis is considered as a tool of strategic management to determine the feasibility of using accounting outsourcing as a way to optimize the enterprise. SWOT consists mainly of two main parts: strengths and weaknesses, which will indicate the internal aspect, and threats and opportunities related to external factors for the company (but those that are present in the environment). In essence, we test the effectiveness of the accounting services provided by the contractors that your business provides against this background. With this analysis, the firm can understand the problems, ie where they lack work and why, because these are periods during the year when work becomes fragile. Why this happens is best analyzed because of it. A set of business goals are things that outsourcing companies need to invest because simple marketing is not enough. The analysis of advantages and disadvantages of accounting outsourcing is carried out and the necessity of SWOT-analysis of potential risks and advantages of using perspectives of accounting outsourcing is emphasized. The internal and external environment was analyzed using an extended SWOT analysis model from the standpoint of strengths and weaknesses, opportunities and expected threats. Based on the results of the SWOT-analysis, a matrix has been formed that will allow predicting threats and potential opportunities at the stage of planning the use or refusal to use accounting outsourcing services.

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