Leveraging Financial Inclusion Through Technology-Enabled Services Innovation

The majority of the Indian population is not getting the advantages of inclusive growth and development in India, referred to as financial inclusion and has become a challenge for the Indian economy. The paper aims to investigate the use of available technology-enabled financial services and their role for financial inclusion in the current COVID 19 situation and the reaching rural and semi-urban India. The research is based on the in-depth analysis of the government policies and Fintech in the light of India's situation during COVID 19. The study reveals that the government showed the intent by opening a vast amount of banking accounts (411 million accounts) for financial inclusion in around six years. With radical changes in mobile subscribers and 4G, Internet, and Smartphone growth, India is close to achieving financial inclusion with full potential. However, significant change and development can be attained only if the government provides and motivates citizens to adopt the innovation services for financial inclusion.

Innovation, Digital Solutions and MaaS Concept in Touristic Insular and Rural Destinations: The Case of the Shared Mobility Agency in Elba

This chapter aims to describe the role of innovation and digital solutions in facing the mobility needs of the rural areas and tourist destinations and, at the same time, to discuss the problems and conditions for their use in the provision of the different mobility and transport services. Innovation in the mobility provision chain is analysed in relation to the relevant service elements (schemes, planning, programming, evaluation and support) in order to clarify that innovation does not automatically mean digital solutions. An overview of the emerging trends in digital solutions is provided, focusing on the Mobility as a Service (MaaS) concept and mobile applications. For the APP, market-specific considerations are developed on the different roles and typologies, making a classification for understanding current Mobility APP “Jungle”. Moreover, the concept of Shared Use Mobility Agency (SUMA) is presented. SUMA aims to integrate smart mobility services under the concept of MaaS in order to answer to the mobility needs of residents and tourists acting on the demand and providing coordinated collective and ridesharing transport services. SUMA could be considered an “innovative” approach mixing advanced digital architecture and shared mobility schemes with the relevant organization, operation and business elements. Section 5 presents the SUMA implementation in Elba island (Regione Toscana-Italy), within CIVITAS DESTINATIONS project underlying the specifications of the platform and APP. Finally, besides the specific recommendations provided in each section, key recommendations for Mobility Authority and Transport Operators are spotlighted.

The Challenges of the Publishers in the Industrial Era 4.0: A Review

The era of industry 4.0 is a digital revolution characterized by the fusion or collaboration between cyber and automation technology. Not only in production processes, but also in almost all parts of economic value chains thus new business model based on digital technology to achieve high efficiency and better quality is created. As a part of creative industry, publishing faces the development and demand to change brought by industry 4.0, from business model, product and services innovation, to marketing and target users. This paper explains the development, challenge, opportunity, and effort related profession disruption faced by publishing professionals in industry 4.0 era. The review in this paper was done by conducting literature and empirical studies. The result shows that publishing professionals must strive to transform mindset and work process in publishing world. Those transformation can be achieved by competency improvement through increasing knowledge in publishing management, building coopetition between fellow publishing professionals, and consistent orientation for users’ needs. It is important for publishing professionals to view this phenomenon as a challenge that brings many possibilities for the development towards publishing 4.0

One-Stop Administration System: Public Service Innovation in the Indonesian Public Sector

Purpose: The study aims to explore the several public service innovations and the role of one-stop administration systems. Approach/Methodology/Design: The study presents a review of literature on public service innovations. A number of research articles were analysed, highlighting the success of one-stop administration innovations. Findings: In Indonesia, there have been several public service inventions as well as multiple Samsat service developments. In the sense of public services, innovation can be characterized as service quality improvement by renewal, imagination, or new development. A host of Samsat offices in Indonesia's different regions have innovated. In addition to the Samsat Drive Through, which received the Top 99 Public Service Innovations 2018, there were also innovations, West Java Samsat Ngabret, which established 5 innovation services, and the most recent, East Java Samsat, which launched the first innovation in Indonesia, namely paying motorized vehicle taxes and legalizing annual vehicle registration online. Socialization of the general population must be expanded in order to introduce programs to the general public, and server upgrades must be made in order to maintain service efficiency Practical Implications: The study presents a theoretical foregrounding for further research on one-stop administration systems. This paper identifies certain gaps, and further research studies might address the effectiveness of some of these one-stop administration systems. Originality/value: The study highlights the successful public service innovations in Indonesia and how people perceive the projects.

TRENDS AND PROSPECTS FOR INNOVATIVE DEVELOPMENT OF INDUSTRIES AND SERVICES IN THE REGIONS OF THE REPUBLIC OF KAZAKHSTAN

According to the authors, the Republic of Kazakhstan has prospects for innovative development of industries and services in the regions. The trend of innovative development is aimed at the development, first of all, of agriculture, mining and services. Innovation is becoming a specialized area of development and humanitarian aid, combining new technologies with user-centered, behavioral and lean approaches. Structural transformation has been an important driver of economic development in recent decades. And since digital technologies have become a critical factor in economic growth, national security and international competitiveness, the digital economy has a profound impact on the trajectory of the world and the social well-being of ordinary citizens. It affects everything from resource allocation to income distribution and growth. However, in modern conditions, the possibility of enhancing innovation should be considered from the standpoint of the growth of its investment support, since the establishment of interaction between investment and innovation processes, whether in the agricultural sector, in the industry and services, creates the appropriate conditions for the effective development of the country's economy as a whole.

Change Models for Human Service Organizations

Organizational change models designed for human service organizations include the ARC model, the sanctuary model, getting to outcomes, and design team. Their use might require assistance from expert consultants. Each includes high participation of staff members, using structured systems and processes to identify opportunities to improve operations in a program or in administrative operations, followed by analysis and brainstorming to generate improvement ideas. Innovation and intrapraneurship are concepts that have been adapted from the for-profit sector for application in the human services. Innovation can be defined as a process, method, product, or outcome that is new and creates an improvement. Intrapraneurship is the use of entrepreneurial principles within an organization to solve problems or improve operations. Cutback management is not specifically identified as a change model, but is a process for changing organizations by addressing funding cuts, through methods ranging from efficiency improvements to, ideally, finding new revenue sources.

The Digital Post Ecosystem—Example of Poland in the Context of Research

Rapid technological changes have forced postal operators to adapt their services to the needs of the information society, exploit new business opportunities, and pay more attention to emerging and rapidly growing direct and indirect competition. The main goal of the article is to provide an answer to the question Do we have to digitalize postal services? The objectives of the article are as follows: defining of the postal ecosystem concept; defining of postal e-services; developing an action proposal approach for the operator designated to create a digital ecosystem of the postal service. Therefore, it is necessary to survey postal operators regarding the digitalization of the economy and postal e-services. The survey should focus on individual customers, businesses and telecommunications market experts. The survey covered postal e-services supplied by the designated operator in Poland. Its assessment has been based on variables which have major impact on the perception of postal e-services. These variables include: scope of e-services, regulatory framework (security), competitiveness, telecommunications infrastructure, advancement of e-services, innovation level, and digital awareness and digital skills in the society. In order to meet these objectives, the article refers to the essence of the ecosystem as a solution to the research problem. Additionally, studies on postal e-services have been presented, which enable to develop an action proposal to strengthen the position of the postal operator in the postal ecosystem. The article is based on studies that use various research methods, such as critical analysis of scientific literature, synthesis and generalization, Delphi method, versatile benchmarking and graphic visualization. Additionally, findings of studies on e-services have been presented to cover the European Union, as well as solicit opinions of individual and business clients and telecommunications market experts in Poland. This enables to develop an action proposal designed to strengthen the position of the postal operator in the postal ecosystem. The study has delivered an answer to the research question. Thus, the authors can confirm that it is necessary to digitalize postal services.

Cooperation and Interaction between Village and Sub-District Government in Administration Services Innovation: An Evidence in Lampung Province Indonesia

This study briefly analyzes the interaction process between village and sub-district government actors in the management of population administration service innovation. The research method used is a qualitative descriptive approach. The data were obtained through primary data and secondary data. Qualitative data analysis begins with collecting data through interviews and studying relevant various documents which related to the object of research, then reporting the results of the research. The results showed that there was an imbalance in the process and interaction between actors, the village government and the Village Consultative Body. The head of a village at the end of his term is not required to provide a report so that the evaluation function of the performance assessment does not run optimally. However, the governance of public service innovation in several villages in South Lampung has involved universities through various collaborations such as the implementation of community Service and research activities. The findings also reveal that research and partnership activities optimize improving the service administration system. Furthermore, the actors have played a role in carrying out the socialization of the implementation of innovation programs to accelerate the realization of independent villages