tailieunhanh - The Little Data Book on Information and Communication Technology 2012

Migrants have various options for sending remittances: money transfer companies (Western Union, MoneyGram, etc.) or credit card companies; regular mail service; financial transfers through banks, credit unions or the various transfer options offered by companies (. supermarkets or through mobile phones); informal channels such as couriers, or more sophisticated channels such as the ‘Hawala’ and ‘Hundi’ transfer systems; 16 or hand-carried by migrants themselves. Where the financial sector is missing, weak or mistrusted, people tend to use informal money transfers, while in stronger, liberalized economies, they trust the formal sector . Despite recent efforts to convince migrants to use authorized financial channels, many continue to use informal ones. Banking the ‘unbanked’ – that is, reaching out to those who. | The Little Data Book on Informationand Communication Technology Economic and social context Usage Structure Quality Efficiency and capacity Affordability Performance Trade Access Applications THE WORLD BANK 2012 THEUniEMTA BOOK ONINFORMATIONAND COMMUNICATION TECHNOLOGY THE WORLD .

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