title: Open banking and digital financial inclusion: Early evidence

authors: Ryan, Michael

abstract: Using a large panel of countries, we study whether open-banking adoption expands digital financial inclusion. Applying difference-in-differences methods, we find that open banking increases the share of adults making or receiving a digital payment, with the largest effect among less-educated adults. We find, however, no statistically significant effect of open banking on the number of mobile/internet banking transactions per 1000 adults. One interpretation of our results is that open banking benefits may accrue through non-bank channels to those who previously did not use digital means of payment.

text: Open banking and digital financial inclusion: Early evidence Using a large panel of countries, we study whether open-banking adoption expands digital financial inclusion. Applying difference-in-differences methods, we find that open banking increases the share of adults making or receiving a digital payment, with the largest effect among less-educated adults. We find, however, no statistically significant effect of open banking on the number of mobile/internet banking transactions per 1000 adults. One interpretation of our results is that open banking benefits may accrue through non-bank channels to those who previously did not use digital means of payment.

year: 2026

title: Psychological practice, social determinants of health and the promotion of human flourishing

authors: Hodgetts, Darrin

abstract: Health inequalities are a persistent feature of our societal landscape. Health inequalities reflect how differences 10 health outcomes across groups in society are not reducible solely to unhealthy lifestyle choices, individual behaviour, or access to medical care (Hodgetts et al., 2010; McKeown, 1976). People of lower socio-economic status do not get sicker or die more quickly than more affluent groups simply because they do not care about, or know how to look after, themselves and those around them. Substantive evidence supports the conclusion that individual behaviour patterns have a smaller impact on health than socio-economic conditions, which expose some groups to a raft of risk factors while ocher groups are less affected by such risks (Navarro, 2004; Wilkinson & Pickett, 2009; World Health Organization [WHO], 2012, 2014). Situational factors affecting health at a population level are commonly referred to as social determinants of health (SDH). These include employment patterns and conditions, income, physical hardship, social exclusions, colonialism and racism, violence, educational processes, stigma, food and housing [in]securities, and access to health and social services (National Health Committee, 1998; Hodgctts, Chamberlain, Radley &Hodgens, 2007; Marmot, 2013; Robson, 2008; Wilkinson & Pickett, 2009).

text: Psychological practice, social determinants of health and the promotion of human flourishing Health inequalities are a persistent feature of our societal landscape. Health inequalities reflect how differences 10 health outcomes across groups in society are not reducible solely to unhealthy lifestyle choices, individual behaviour, or access to medical care (Hodgetts et al., 2010; McKeown, 1976). People of lower socio-economic status do not get sicker or die more quickly than more affluent groups simply because they do not care about, or know how to look after, themselves and those around them. Substantive evidence supports the conclusion that individual behaviour patterns have a smaller impact on health than socio-economic conditions, which expose some groups to a raft of risk factors while ocher groups are less affected by such risks (Navarro, 2004; Wilkinson & Pickett, 2009; World Health Organization [WHO], 2012, 2014). Situational factors affecting health at a population level are commonly referred to as social determinants of health (SDH). These include employment patterns and conditions, income, physical hardship, social exclusions, colonialism and racism, violence, educational processes, stigma, food and housing [in]securities, and access to health and social services (National Health Committee, 1998; Hodgctts, Chamberlain, Radley &Hodgens, 2007; Marmot, 2013; Robson, 2008; Wilkinson & Pickett, 2009).

year: 2016

title: Ue Waerea

authors: Tuaupiki, Jackie Whetumarama

subjects: Waerea

abstract: Mai i Mōkau ki Tāmaki, Mangatoatoa, Pare-Waikato, Pare-Hauraki, Te Kaokaoroa o Pātetere, ko te whakapono, nā Tāwhaki i piki te poutama ki te tāhuhu matapu, ka riro mai i a ia ngā kete o te wānanga. E kīngia ai, ko te pūtake tērā o te mātauranga Māori. Hei tā Wiri (2001), nā te mātauranga Māori, ko te mātauranga Māori ā-waha. Nāna, ko te waiata. Nā te waiata, ko te karakia. Kei raro i te karakia, ko te takere kaupapa tēnei, ko te waerea. Ko te whāinga o tēnei tuhituhinga, he rangahau i ngā pūtake o te waerea me te āta titiro ki ngā kaupapa kei a ia me tōna kawe i roto i aua kaupapa i ngā wā o mua, ā, nō nāianei hoki. Ko te waerea te pane o ngā karakia Māori ki roto o Tainui, otirā, ki roto i ngētehi o ngā whakaritenga, ā, ka tirohia ngēnei whakaritenga e rere ai te waerea, pēnei i te tomo whare, i te tomo urupā, i te takahi whare, i te whakamānu waka me te maha o ngā mahi a te ao Māori ki roto o Tainui.

text: Ue Waerea Mai i Mōkau ki Tāmaki, Mangatoatoa, Pare-Waikato, Pare-Hauraki, Te Kaokaoroa o Pātetere, ko te whakapono, nā Tāwhaki i piki te poutama ki te tāhuhu matapu, ka riro mai i a ia ngā kete o te wānanga. E kīngia ai, ko te pūtake tērā o te mātauranga Māori. Hei tā Wiri (2001), nā te mātauranga Māori, ko te mātauranga Māori ā-waha. Nāna, ko te waiata. Nā te waiata, ko te karakia. Kei raro i te karakia, ko te takere kaupapa tēnei, ko te waerea. Ko te whāinga o tēnei tuhituhinga, he rangahau i ngā pūtake o te waerea me te āta titiro ki ngā kaupapa kei a ia me tōna kawe i roto i aua kaupapa i ngā wā o mua, ā, nō nāianei hoki. Ko te waerea te pane o ngā karakia Māori ki roto o Tainui, otirā, ki roto i ngētehi o ngā whakaritenga, ā, ka tirohia ngēnei whakaritenga e rere ai te waerea, pēnei i te tomo whare, i te tomo urupā, i te takahi whare, i te whakamānu waka me te maha o ngā mahi a te ao Māori ki roto o Tainui.

year: 2011-04