New report on financial services for women

July 2nd 2020

Have you ever thought how strange it is that financial solutions for women should be marketed in pink? Or what financial services firms are missing by not fully meeting female customers' needs?

Get the answer and find a first overview of the ecosystem of fintech for women in this study by EWPN in partnership with Keen Innovation. The report, “Female Finance: Digital, Mobile, Networked”, was produced by EWPN Research Leads Dr. Erin B. Taylor and Dr. Anette Broløs.

Around the world, an increasing number of financial service offerings are designed for (and by) women. We provide a first overview of such solutions. We point to some differences from traditional financial services and relate them to existing research.

We find factual reasons (income, expected lifetime, education and more) why women might look for different solutions than men.  We also find some other priorities. Women value narratives that help them conceptualize how financial services will help them manage. They look for solutions that target their life situation. Women value the possibility to handle their finances along with other people they trust – in a community. There is also a learning aspect dominant in many of the offerings that we studied, either in the form of blogs, interviews, events, e-courses or academies.

We hope that this overview helps both industry and researchers to better understand why women’s needs and life contexts must be taken into account when designing financial services. We also point out the need for further research.

Download the report here.

Reports from Maintainerati Berlin now available

May 1st 2020

I'm happy to announce that the reports from the Maintainerati unconference in Berlin in May 2019 are now available to download

Maintainerati Berlin brought together nearly 80 maintainers from all over the world to share their experiences of running and maintaining digital infrastructure projects. The reports present a summary of the many, and varied, discussions that took place on 24 May 2019 in the Spreespeicher Center in Berlin.

The Event Report presents an analysis of 12 “Key Challenges and Lessons” that occurred repeatedly across the different sessions. For each one we describe what it is, what participants think causes it, and their ideas for how to solve it. In the conclusion, Creating Culture Change, we make some initial suggestions for what can be done to create healthier open source communities.

The Session Notes are a record of all 29 discussion sessions that took place on the day.We are making these session summaries freely available in the hope that maintainers, researchers and policy-makers can use them to better understand the problems faced by communities developing digital infrastructure. We have provided our own analysis in the Event Report, but we encourage the open source community to dig deeper on their own.

To learn more, visit the Maintainerati website or contact me at erin@canela-group.com.

Is tax cultural? Part II: Migration and the EU

April 2nd 2019

Can culture affect taxation behaviours? In Part 1, I explored how cultural issues regarding compliance and morale affect taxation behaviour. In this article I look closer at how taxation attitudes and rules can affect migration decisions. This is particularly an issue in the European Union, where the single economic area should theoretically encourage cross-border migration.

Is tax cultural? Part I: Compliance and morale

March 25th 2019

Can tax be cultural? The answer is a definitive “yes.” Whether we pay our tax happily and on time, or try to avoid paying it at all, can be determined not only by our personal characteristics, but also by where we come from. 

These differences in tax culture have been described in many different branches of research, including psychology, economics, and sociology. In the early days, this work focused less on the behaviours of people, and more on why tax systems varied from place to place.