Around one-third of recipients of government Social Security, retirement, unemployment, food stamps, Aid to Families with Dependent Children, and other benefit programs do not have a bank account. Electronic benefit transfer (EBT) allows such recipients to obtain benefits electronically through...

Automated teller machines (ATMs) have expanded in number from 2,000 to 90,000 over the last 20 years, substantially increasing consumer convenience in the delivery of deposit services. The cost reductions expected to flow to banks from the substitution of ATMs for banking offices have not been...

In the United States, bankers and the Federal Reserve System have attempted to control risk on large-dollar wire transfer networks by means of quantitative limits. Net debit caps, as the limit.. are called, restrict the extent to which an institution can incur daylight overdrafts on Fedwire and...

The “cashless and checkless” society has been a dominant theme in the thinking of bankers for twenty years. Because electronic funds transfer (EFT) represents a breakthrough in the payment process, most discussions of electronic payments have dealt only with expected future developments. In...

This paper computes the range of feasible adjustment paths for the Canadian economy in response to the adoption of some computer-based-automation technologies. The paper also compares alternative scenarios which are determined by different rates of diffusion of the new technology, different...

Although many countries are aggressively implementing the One Laptop per Child (OLPC) program, there is a lack of empirical evidence on its effects. This paper presents the impact of the first large-scale randomized evaluation of the OLPC program, using data collected after 15 months of...

Text has always been an important data source in political science. What has changed in recent years is the feasibility of investigating large amounts of text quantitatively. The internet provides political scientists with more data than their mentors could have imagined, and the research...

Contemporary flows of development of human society and increasing human activities in the field of computing and the Internet, which increase the need for identification of problems by priority, as well as analyzing and defining the ways management and working in the field of computer science...

"Cover" -- "Contents" -- "Acknowledgements" -- "INTRODUCTION: How to Digitally Transform" -- "The essentials of digital transformation" -- "What is real digital transformation?" -- "Distilling success into five stages: BUILD" -- "1 BUILD Stage 1: Bridge" -- "Why Bridge?" -- "External Gaps" --...