The 1991 reforms to the UK NHS created a group of buyers of hospital care from amongst primary care physicians. The implementation of the reforms was such that these buyers had incentives to increase their use of hospital services prior to entering the scheme in order to inflate their budgets. It has been argued that non-financial motives would limit such behaviour. The paper shows that these h...

Technological advances have changed the way in which financial services are transacted, with mobile banking being the latest development in this domain. This paper focuses on the adoption of mobile banking services by consumers. Rogers’ diffusion of innovation model was adopted to study the consumers’ behaviour and motivation towards this innovation. The personal characteristics of mobile banki...

This article summarises the main findings of the research papers published by the Reserve Bank in 1993. The Bank’s research is directed at issues of relevance for monetary and financial policy-making in Australia. Over the past year, the Bank’s published research focussed on five broad topics: (i) the determinants of the exchange rate and the links between the exchange rate and trade flows, (ii...

This paper presents how the function–behavior–structure (FBS) ontology can be used to represent processes despite its original focus on representing objects. The FBS ontology provides a uniform framework for classifying processes, and includes higher level semantics in their representation. We show that this ontology supports a situated view of processes based on a model of three interacting wo...

Abstract Regulators and policymakers in many developing countries are facing challenges on how to create opportunities for the crypto industry grow, but at same time protect investors consumers. This study aims better understand demographic socio-economic characteristics of adopters their financial behavior. Our advances knowledge within an array recent contributions token economy covers geogra...

The unprecedented access offered by the World Wide Web brings with it the potential to gather huge amounts of data on human activities. Here we exploit this by using a toy model of financial markets, the Minority Game (MG), to investigate human speculative trading behaviour and information capacity. Hundreds of individuals have played a total of tens of thousands of game turns against computer-...