Planners weren&rsquo;t equipped to address the emotional roots of how clients dealt with money. Therapists couldn&rsquo;t guide finances. Now, there&rsquo;s a bridge.

Where Money Meets Feelings: Financial Therapy Finds Its Footing

ABSTRACT
 The information and communication technology (ICT) revolution has brought positive spill-over effects on institutions and economies across the globe, but it has also increased the information gaps between countries. A key characteristic that may explain these widening gaps is the deepening endogenous relationships between ICT infrastructure, institutions of governance, and economic growth in many developing countries. Thus far, the links between these variables have not been discernible in developing economies, so few studies have explored them. In this paper, we investigate the possible Granger causal relationships among institutional quality, economic growth, and ICT infrastructure development for a sample of developing countries for the period from 2005 to 2019. The application of a vector error-correction model reveals strong inter-relationships between all the variables in the short run. In the long run, institutional quality and ICT infrastructure development stimulate economic growth. These complex relationships are explored and lessons are drawn for policymakers.
 &nbsp;
 RESEARCH HIGHLIGHTS
 We assess interactions between institutional quality and ICT infrastructure as well as economic growth.
 &nbsp;
 We deploy a panel Granger causality test for low- and lower middle-income countries from 2005 to 2019.
 &nbsp;
 We show that there is Granger causality between the variables in the short and the long term.
 &nbsp;
 For each case and specification, there is support for the hypothesis that ICT infrastructure and institutional quality both Granger-cause growth in the economy.
 &nbsp;
 In the short run, we note a feedback relationship between institutional quality and economic growth. Other short-run results are more varied, based on the particulars proxies for institutional quality and ICT infrastructure.
 
 
 Read more: <a href="https://www.tandfonline.com/doi/full/10.1080/02681102.2022.2051417" style="text-decoration:none">https://www.tandfonline.com/doi/full/10.1080/02681102.2022.2051417</a>

The information and communication technology (ICT) revolution has brought positive spill-over effects on institutions and economies across the globe, but it has also increased the information gaps between countries.

Institutional development in an information-driven economy: can ICTs enhance economic growth for low- and lower middle-income countries?

A mobile wallet is just what it sounds like &ndash; a wallet that exists on your smartphone instead of in your pocket. Details of your credit and debit cards are stored securely with the bank, allowing you to&nbsp; make payments to both, people and vendors, whether at a mall or grocery store right from your mobile.
 &nbsp;
 Don&rsquo;t have a mobile wallet? Just download one to your smartphone to make life easier. It&rsquo;s an e-ticket into the world of convenient finances, assured security, and efficiency like you&rsquo;ve never had before!
 &nbsp;
 Reasons to move to a mobile wallet
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 Easy and quick: When you use a mobile wallet, you don&rsquo;t need to keep entering your card number, expiry date, CVV code etc. every time you make a purchase. Once you enter your details, they are stored, and with a click, your payment goes through. Moreover, when you are in a store, you can avoid digging through your bag to search for your wallet; instead, just pick up your phone which is always handy, , scan Bharat QR code and you&rsquo;re done. It&rsquo;s that easy!
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 Security: Your physical wallet can be stolen, but your mobile wallet cannot. Even if you lose your phone, your mobile wallet has security settings that ensure only you can access it. So, no one can just reach in and grab your debit card. Moreover, when data is transmitted via a mobile wallet for making payments, the account number isn&rsquo;t communicated. Instead, encrypted payment codes are used to ensure security.
 Discounts and offers: Mobile wallets often have promotions, Reward Points, CashBack, bonuses, gifts, and other incentives that can save you money.
 A one-of-a-kind app that&rsquo;s left a lasting impression is PayZapp from HDFC Bank. It&rsquo;s an app that allows you to manage your finances efficiently and conveniently.&nbsp; Additionally, now with its UPI features, you can easily transfer money to someone else&rsquo;s bank account. It has several stand out features, ranging from its CashBack and Reward Point offers, which allows you to maximise&nbsp; on your savings, exclusive tie up with Flipkart store, shop, compare and buy, amongst many more.
 &nbsp;
 It also has one of the most significant benefits of this mobile wallet that outshines others. Through PayZapp, you don&rsquo;t have to load money in your wallet to make transactions. Moreover, you can link your Debit and Credit Cards allowing you to make your transactions through the linked card. This gives you a higher transfer limit, as compared to other digital wallets
 &nbsp;
 This gives you more freedom to pay more than just bills or for shopping, but also for making fund transfers to other parties.
 &nbsp;
 So, if you&rsquo;re looking to simplify your financial management, why not download PayZapp and bring some convenience and ease to your life. Click here to get started! 
 
 &nbsp;
 * The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. 
 
 Read more: <a href="https://www.hdfcbank.com/personal/resources/learning-centre/pay/reasons-why-you-should-be-using-a-mobile-wallet-if-you-arent-already#:~:text=Wide%20range%20of%20uses%3A%20A,groceries%2C%20and%20even%20transferring%20money" style="text-decoration:none">https://www.hdfcbank.com/personal/resources/learning-centre/pay/reasons-why-you-should-be-using-a-mobile-wallet-if-you-arent-already#:~:text=Wide%20range%20of%20uses%3A%20A,groceries%2C%20and%20even%20transferring%20money</a>.

A mobile wallet is just what it sounds like &ndash; a wallet that exists on your smartphone instead of in your pocket.

10 Reasons Why You Should Be Using A Mobile Wallet If You Aren't Already

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Amazing, I like the fact that reward program discounts are applied automatically

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“Extremely Happy with Your Service, has the best rates”

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