Labor Market Flexibility Articles
- What to expect from retail banking in 2020
- Tech’s role in retaining London’s position at the heart of banking
- The Impact of Synchronized Financial Statements on Business Managers
- Last stage of PSD2 is incoming, but the road ahead is still fraught with danger
- Overcoming legacy Issues in the banking sector by harnessing Banking as a Service (BaaS)
- Why your contact centre needs to embrace the cloud computing revolution
- Three considerations when refreshing business models
- Flexible working and finance: an unseized opportunity?
- Millennials: they don’t just want a paycheck; they want a purpose
- The Bank Of The Future
- Delivering Financial Services Faster and Better
- Why collaboration with senior management is vital for a CFO
- Top tips for securing your financial institution
- Collaboration for survival: the rise of partnerships between banks and FinTechs
- Trends to expect in 2019 – Eugene Danilkis, CEO of Mambu
- Investment Plan for Europe: EIB Backs Italian CNS Drug Developer Newron Pharmaceuticals with up to EUR 40m
- OXID integrates Klarna as core payment solution
- How can mid-market leaders overcome disruption and be encouraged to innovate?
- Flexibility: Britain’s Brexit survival strategy
- Talend Partners with Snowflake and Datalytyx to Deliver Self-Service “Pay-as-you-Go” Data Analytics and Data Science for Enterprises in Europe
- In The Style and Klarna launch Pay later
- Barclays strengthens Corporate Banking in Western Europe
- FSS Launches UPI 2.0 to Help Banks Monetize UPI Rails
- B-Hive joins forces with Projective for international expansion
- Divido secures $15M to licence its ‘pay-later’ platform for retailers, lenders and payment partners
- CISI appoints Claire Newman as new Essex branch President
- Tullett Prebon information partners with Yonhap Infomax to distribute OTC data in South Korea
- ICBC Asset Management (Global) Selects Linedata for Cross-Platform Investment Solutions
- FSS Launches UPI 2.0 to help Banks Monetize UPI Payment Rails
- Eisneramper And CloudAccess Announce Strategic Alliance
- Cred Launches Secure And Easy-To-Use Cryptocurrency Micro-Investing App For Everyday Users
- UK Businesses Benefit From Chief Data Officers Without Hiring
- Pakistan’s Silkbank enhances conventional and Islamic business lines with Temenos T24 Core Banking upgrade
- Capacity® Partners with RightHand Robotics to Further Automate Fulfillment Operations
- Is clarity emerging for UK banks’ Brexit contingency planning?
- AI and banking: Turning data into customer insight
- PagerDuty Now Available on AWS Marketplace
- SugarCRM focuses on collaboration, user experience and data privacy with new cloud release
- Aerolineas Argentinas renews long-term Sabre partnership and moves forward with next-generation technologies
- ETPs represent an alternative to the Stock Exchange to accessing Investors
- Plato Partnership appoints Mike Bellaro as CEO
- How can traditional players close the gap on challenger banks?
- Digital Revolution Transforming Finance Function, ISG Says
- How wealth managers can meet the demands of millennial investors
- PlainID Announces $11 Million Series A Funding Round
- Collaborating across borders: How the banking and finance industry can succeed in a post-Brexit world
- New RegTech White Paper Highlights Disruptive Impact for Financial Services
- Appian Provides New Digital Solution for Pharmacovigilance Reporting to Bayer
- CFOS Flex Finance To Meet Business Needs
- IDT and Thetasys LLC Announce Partnership to Expand Design Services
- Hortonworks Extends Collaboration with Microsoft to Drive Big Data Workloads to Azure
- Telco Systems Signs Strategic Investment and Multiyear Joint Development Agreement with Arm
- Can a small or medium business operate with equal strengths and compliance of a large enterprise?
- 5 Ways Digital Connectivity is Revolutionising Education
- Asian Private Banker/Julius Baer 2018 IAM Report: HK & SG IAMs hit US$91.5 billion in AUM, DPM penetration rate of 71%
- Panasonic Showcases Best-In-Class Visual Solutions at InfoComm 2018
- Robotic Surgery System Market to Reach a Valuation of US$ 6,400 Mn By the End of 2026 – Persistence Market Research
- Finastra’s FusionFabric.cloud platform changes the way software is developed, deployed and consumed in the financial world
- Maximize Your Small Business’s Potential with the Mighty Cloud
- Artificial Intelligence to Reach a New Level With Infusion of Blockchain Technology Innovation
- Microsemi to Showcase Time Sensitive Networking Solutions and Enhanced Software Offerings for Ethernet and IP Networking
- The UK’s National SIRA program – a collaboration of more than 130 well-known financial institutions, sharing intelligence and data to combat fraud, risk and financial crime, defending against £billions in losses.
- Unify Named a Leader in Aragon Research GlobeTM for Mobile Collaboration, 2018
- Adapting to the new normal: ‘Open Banking’
- Red Hat Helps Power Tata Communications’ IZO™ Private Cloud with OpenShift and OpenStack
- Blue Prism to Collaborate with Microsoft to Strategically Provide Access to AI Technology
- Cohen & Steers REIT and Preferred Income Fund, Inc. (RNP) Notification of Sources of Distribution Under Section 19(a)
- Progress Reveals Three Latest Progress Labs Innovation Projects
- Plato Partnership and Tradeweb unveil Tradeweb Plato eBlock, a strategic partnership for European cash equity risk trading
- Aircall Secures $29 Million to Reinvent the Business Phone
- Workforce Futures: Global Study––Taking the ‘Hours’ Out of Business Hours is the Key to Productivity and Work-Life Balance
- How Admiral Insured Itself Against Excessive Time to Value
- How procurement is helping financial services manage risk and increase business value
- NetApp Cloud Volumes for Google Cloud Platform Strengthens Cloud Data Services Portfolio
- Re-thinking the financial industry in Switzerland
- Goldman Sachs clinches crown as Ideal Employer in global financial space
- FinTechs – A Threat to Banks or the Perfect Partner?
- Orange Expands Its Open Transit Internet Network with Cisco Network Convergence System
- Northern Trust Hedge Fund Services Partners with Hazeltree to Launch ‘Cash Optimization’ Service
- Building confidence through dedication and unrivalled service
- Mambu Launches Marketplace to Support Composable Approach To Banking Architectures
- A SUMMARY FROM SINGAPORE: TAKEAWAYS FROM THE FIRST MONEY 20/20 ASIA
- NEW SURVEY FROM CENTAGE REVEALS HALF OF CFOS NEED BETTER WHAT-IF SCENARIO TESTING
- MORE THAN THREE QUARTERS OF UK ORGANISATIONS AGREE AGILE AND DEVOPS DELIVER GREATER BUSINESS SUCCESS WHEN IMPLEMENTED TOGETHER
- SMARTKARMA LAUNCHES PREMIUM SERVICES, OFFERING A FULL SUITE OF INDEPENDENT, MIFID II COMPLIANT RESEARCH SERVICES TO THE BUY-SIDE
- BOOST TO FUNDS INDUSTRY AS BVI LAUNCHES INNOVATIVE LIMITED PARTNERSHIP LAW
- IS IT TIME TO TAKE A DIFFERENT VIEW ON TECHNOLOGY INVESTMENT STRATEGY?
- AVAYA ANNOUNCES UC EXPERIENCE EVERYWHERE WITH NEW COLLABORATION AND DESKTOP OFFERINGS
- HOW BANKS CAN STOP WORRYING AND LEARN TO LOVE THE API ECONOMY
- QTUM PARTNERS WITH BAOFENG TO BECOME BIGGER THAN BITCOIN AND ETHEREUM
- CAN YOU ACCEPT GLOBAL PAYMENT STANDARDS?
- FINTECH WILL CONTINUE TO ‘STEAL THE SHOW’ IN 2018
- LEADERSHIP VERSUS TRADITIONAL MANAGEMENT
- JUDOPAY AND VISA’S CYBERSOURCE PARTNER TO BRING IN-APP PAYMENTS TO MERCHANTS GLOBALLY
- THE SMART CUBE LAUNCHES TAILORED SECTOR-SPECIFIC SOLUTIONS AND APIONEERING INTELLIGENCE PLATFORM, AMPLIFI, TO ACCELERATE DATA-DRIVEN DECISION-MAKING
- BILLON GROUP REACHES US AHEAD OF SCHEDULE THANKS TO FINTECH71
- AIRPLUS AND CONFERMA EXTEND COLLABORATION ON VIRTUAL PAYMENTS TO THE US MARKET
- 8 MAJOR BENEFITS OF CLOUD TECHNOLOGY FOR CLIENT LIFECYCLE MANAGEMENT
- BANK LEUMI COLLABORATES WITH TEMENOS AND VMWARE TO CREATE AN ADVANCED DIGITAL BANKING SOLUTION FOR FINANCIAL SERVICES ORGANIZATIONS GLOBALLY
- THREE FORCES CONVERGE TO TRANSFORM THE OFFICE OF FINANCIAL SERVICES FIRMS
- The ABC of Digitisation
- NEW10 PARTNERS WITH MAMBU TO REDEFINE DUTCH SME LENDING
- DESJARDINS: DRIVING GLOBAL PAYMENT ACCEPTANCE INTEROPERABILITY WITH NEXO STANDARDS
- TATV DEPLOYS GUIDEWIRE SYSTEMS FOR BUSINESS GROWTH
- VARENGOLD BANK AG TO PROVIDE £45M TO UK SMES THROUGH MARKETINVOICE
- SMART COMMUNICATIONS NEW RELEASE DELIVERS FEATURE-RICH INNOVATIONS FOR CUSTOMER CONVERSATIONS
- HOW TECHNOLOGY IS CHANGING BUSINESS
- IPSOFT’S AMELIA EXPANDS FINANCIAL SERVICES EXPERIENCE WITH NEW ROLE AT DIGITAL BANK, NORDNET
- SOCIAL AND SUSTAINABLE CAPITAL RE-LAUNCHES ITS £30 MILLION OFFERING AS ‘THE THIRD SECTOR INVESTMENT FUND’ IN ANSWER TO SECTOR DEMANDS
- MIOTECH PARTNERS WITH SILVERHORN TO REDEFINE BIG DATA FOR ASSET MANAGEMENT
- OAKNORTH BANK GOES LIVE WITH NCINO
- PEGA EXTENDS CLOUD CHOICE THROUGH COLLABORATION WITH PIVOTAL
- WHY COWORKING IS RISING IN POPULARITY
- FIME TO DELIVER PURE TESTING SERVICES
- IRIS AND XERO JOIN FORCES TO STREAMLINE TAX PROCESSES
- WEINVEST PARTNERS WITH INVESTCLOUD TO ENHANCE ROBO SERVICE OFFERING
- SECURITY RESOLUTIONS FOR THE NEW TAX YEAR
- 2017 – THE YEAR OF COST-CUTTING
- MATICA’S NEW MDM ARCHITECTURE BRINGS WHOLE NEW MEANING TO ‘MODULAR’
- HCL RENEWS TRANSFORMATIONAL IT ENGAGEMENT WITH SINGAPORE EXCHANGE
- SMART COMMUNICATIONS ANNOUNCES LATEST SOFTWARE RELEASE
- BETTER CONTROL AND PROTECTION OF SOFTWARE-BASED INTELLECTUAL PROPERTY IN THE FINANCIAL SERVICES MARKET -WHY IT MATTERS AND HOW TO ACHIEVE IT
- SIMALLIANCE REPORTS 5% GROWTH IN 2016 GLOBAL SIM SHIPMENTS
- TOP VOICE PREDICTIONS FOR 2017 AND INTERVIEW WITH TODD CAROTHERS, EXECUTIVE VICE PRESIDENT OF SALES AND MARKETING AT COUNTERPATH
- DELOITTE MIDDLE EAST POINT OF VIEW: ETHICAL TAX, CONSTRUCTION MARKET OUTLOOK, ISO 37001 ON ANTI-BRIBERY MANAGEMENT, AND GCC FAMILY BUSINESSES
- SAGA SELECTS GUIDEWIRE CORE, DATA AND DIGITAL PRODUCTS
- FIDOR PARTNERS WITH VAN LANSCHOT IN THE NETHERLANDS TO CREATE THE FIRST PSD2-INSPIRED PAYMENT AVENUE
- INVESTCLOUD LAUNCHES INNOVATION CENTER FOR FINANCIAL STARTUPS AND INSTITUTIONS
- SIX PAYMENT SERVICES SUPPORTS WIR BANK FOR THE LAUNCH OF THE NEW PAYMENT CARD FOR SMES IN SWITZERLAND
- MUREX AND TULLETT PREBON INFORMATION (TPI) SIGN PARTNERSHIP AGREEMENT TO ENHANCE CLIENT EXPERIENCE
- A STRESSFUL 2016 TEMPERS OPTIMISM, ACCORDING TO ANNUAL DELOITTE GLOBAL SURVEY OF 8000 MILLENNIALS
- BUSINESSES CAN’T IGNORE DIGITAL BENEFITS
- COUPA RELEASE 17 LEVERAGES DATA NETWORK EFFECTS TO DELIVER B2B INSIGHTS
- ESEYE PARTNER WITH VENDING SPECIALIST TO PROVIDE GLOBAL CONNECTIVITY TO INDUSTRY
- IN-CAR CLEVERNESS BOOSTS GLOBAL CONNECTIVITY WITH AERIS TO PROVIDE MORE RELIABLE DATA
- THE AMERICAN PAYMENTS MARKET SET TO BE TRANSFORMED: AEVI ANNOUNCED NEW GENERAL MANAGER NORTH AMERICA
- DELL UNVEILS HIGH-PERFORMING, QUAD CORE WYSE 5060 THIN CLIENT DESIGNED FOR KNOWLEDGE WORKERS
- WORKDAY CONTINUES MOMENTUM ACROSS EUROPE
- THE INTERNET OF THINGS IS IMPORTANT TO BANKS AND THEY CANNOT AFFORD TO IGNORE IT
- RECKON SOFTWARE GOES FROM STRENGTH TO STRENGTH WITH APPOINTMENT OF NEW PARTNER DEVELOPMENT MANAGER
- APRIMO LAUNCHES MARKETING OPERATIONS PLATFORM ON MICROSOFT AZURE
- DELL UNVEILS ITS BEST MOBILE THIN CLIENTS YET WITH ENTERPRISE-CLASS PERFORMANCE AND SECURITY
- MISYS UNVEILS PLATFORM-AS-A-SERVICE STRATEGY
- SOLVING THE IT SKILLS GAP EPIDEMIC
- DELL UNVEILS NEW SYSTEMS AND SOLUTIONS TO ACCELERATE THE ADOPTION OF CONVERGED INFRASTRUCTURE AND SIMPLIFY VIRTUALIZED ENVIRONMENTS FROM THIN CLIENT TO THE CLOUD
- ACI WORLDWIDE INTEGRATES ETHOCA ALERTS INTO GLOBAL ECOMMERCE PAYMENTS GATEWAY
- COLLABORATION TECHNOLOGY – A SOUND INVESTMENT FOR THE FINANCE SECTOR
- HOW LATE PAYMENTS AFFECT THE SMB
- LINDEMANN CHIMNEY TRANSFORMS OMNICHANNEL BUSINESS, STREAMLINES OPERATIONS WITH NETSUITE
- FIME ACQUIRED BY CHEQUERS CAPITAL
- INSTITUTE OF EXPORT CELEBRATES STUDENTS’ DYNAMIC GRADUATION SUCCESS
- NEPTUNE CONTINUES EXPANSION WITH INTEGRATION INTO FIDESSA’S BUY-SIDE OMS PLATFORM
- NETSUITE UNVEILS SUITEBILLING
- NETSUITE ONEWORLD 16 ADDS ENHANCEMENTS FOR GLOBAL ENTERPRISES
- NETSUITE MAKES BOLD HAPPEN AT SUITEWORLD 2016
- BOLERO PARTNERS WITH BSM GLOBAL ON ONE-STOP PORTAL
- PROGRESS ANNOUNCES NEW DIGITAL TRANSFORMATION SOLUTIONS TO COMBAT DIGITAL DENIAL
- CONSUMERS SHUN LOYALTY PROGRAMMES FORCING BRANDS TO RETHINK THE CUSTOMER RELATIONSHIP
- VOLANTE TECHNOLOGIES DELIVERS IMMEDIATE SUPPORT FOR ISO 20022 REAL-TIME PAYMENT GROUP (RTPG) GLOBAL PRACTICE GUIDELINES
- FIVE HOT TOPICS FOR MONEY20/20 EUROPE
- FOUR REASONS FOR WOMEN TO WORK IN FINANCIAL SERVICES
- REAPING THE BENEFITS OF PLATFORM MIGRATION
- DATA RESOLUTION LAUNCHES FIRST EVER PRODUCT LISTING OF SHAREPOINT ENTERPRISE IN AMAZON WEB SERVICES MARKETPLACE
- HOW TO MAKE YOUR BUDGETING AND PLANNING PROCESS A WINNING ONE
- FLEXIBLE WORKING RELIES ON TRUST AND AN ‘OUTCOMES’ FOCUS
- 5 KEY MOBILE TRENDS THAT CAN MAKE OR BREAK THE BANK
- FINANCIAL SERVICES FIRMS MUST “TRADE UP” ON THEIR IT—OR RISK CUSTOMER RELATIONSHIPS
- DIEBOLD AND WINCOR NIXDORF TO COMBINE, CREATING PREMIER SELF-SERVICE COMPANY FOR FINANCIAL AND RETAIL MARKETS
- THOMSON REUTERS CREATES ACCESS TO LARGEST COLLECTIVE INDEPENDENT POOL OF FX LIQUIDITY VIA A SINGLE DESKTOP
- IS ERP IN THE CLOUD RIGHT FOR YOUR BUSINESS?
- PIONEERING THE FUTURE FOR ENTERPRISE COMMUNICATIONS
- COLLABORATION BETWEEN BANKS AND FINTECHS FOR AN IMPROVED FINANCIAL FUTURE
- BEACONINSIDE LAUNCHES ITS LATEST BEACON GENERATION TO POWER FUTURE COMMERCIAL BEACONS
- RESOLVING THE ‘PRODUCTIVITY GAP’ AT UK PLC
- THOMSON REUTERS LEADS WAY FOR OPENNESS IN FINANCIAL SERVICES WITH NEW APP DEVELOPMENT SUITE IN EIKON
- TRENDS IN MIDDLEWARE
- INCREASED COLLABORATION BETWEEN BANKS AND SPECIALIST FINANCIERS IS THE BEST WAY TO FILL THE FUNDING GAP
- RCI Financial Services Limited Case Study
- MINICABIT SIGNS NATIONAL PARTNERSHIP WITH UK SELF-STORAGE LEADERBIG YELLOW
- DATACENTRED ANNOUNCED GENERAL AVAILABILITY OF OPENSTACK RUNNING ON ARM 64 BIT PROCESSORS
- DOES APPLE PAY SYMBOLISE A PAYMENTS REVOLUTION?
- THOMSON REUTERS LAUNCHES OPEN SOURCE MARKET DATA APIS
- AVALOQ ANNOUNCES SUCCESSFUL IMPLEMENTATION OF ITS FIRST FULLY INTEGRATED UK WEALTH MANAGEMENT PLATFORM FOR CANACCORD GENUITY WEALTH MANAGEMENT
- RETIREMENT IS NOT A WALK IN THE PARK FOR IT
- THE GROWING DEMAND FOR ISLAMIC SOFTWARE SOLUTIONS
- TRY A LITTLE TENDER-LESS
- WHEN IS AGILE, NOT REALLY AGILE?
- WHY FINANCIAL REPORTING MUST TAKE A CONSOLIDATED APPROACH
- FINTECH HYPE IN 2014: HOW CAN BANKS BETTER COMPETE IN THE NEW YEAR?
- USING BIG DATA WITH A LITTLE HELP FROM THE CLOUD
- THE RESOURCE MANAGEMENT AND CAPACITY PLANNING CHALLENGE FOR 2015
- CASH MANAGEMENT: A BALANCING ACT
- AEGIS TO ESTABLISH ASIA PACIFIC ANALYTICS, SOCIAL MEDIA AND MULTILINGUAL HUB IN MELBOURNE, AUSTRALIA
- ENSURE END-USER ADOPTION OF UC WITH A FLEXIBLE NETWORK
- TALENT AND TECHNOLOGY TO DRIVE RADICAL SHAKE-UP OF FINANCIAL WORKPLACES
- CENTRIFY POWERS NEW SAMSUNG KNOX ENTERPRISE MOBILITY MANAGEMENT SOLUTION
- NEW TOOLS FOR BETTER RISK MANAGEMENT
- CAREER CROSS ROADS FOR ELITE GRADUATES IN BATTLE OF THE GEEKS VS SUITS
- IT OUTSOURCING FOR FINANCIAL SERVICES FIRMS
- ENDOCONTROL WINS AWARD IN THE ‘WORLDWIDE INNOVATION CHALLENGE’ 2014
- STEVE PANNIFER OF CONSULT HYPERION DISCUSSES CONTRASTING HCE AND SIM SECURE ELEMENT APPROACHES TO NFC PAYMENTS
- KENYA COMMERCIAL BANK LAUNCHES IN-HOUSE PROCESSING CENTRE BUILT ON TRANZWARE FROM COMPASS PLUS
- Aegis Continues Expansion in Malaysia
- WHY YOUR OUTSOURCING PARTNER CAN’T EVER BE JUST ANOTHER VENDOR…
- BUSINESS CLASS SERVICE IN THE CLOUDS
- HOW DO INSURANCE COMPANIES REMAIN COMPETITIVE?
- CLIO AND FUJITSU PARTNER TO PROVIDE CLOUD DOCUMENT SCANNING FOR LEGAL OFFICES
- FROM TELLERS TO SELLERS: HOW DIGITAL SIGNAGE IS HELPING TO MODERNIZE THE RETAIL BANKING EXPERIENCE
- UNLOCKING YOUR ATM “BIG DATA”
- MY WORD IS MY BOND
- ICBC (LONDON) PLC. SELECTS AXIOMSL TO DELIVER ESMA EMIR TRANSACTION REPORTING
- EXPANDED VERIZON FINANCIAL NETWORK BOOSTS GLOBAL TRADING CAPABILITIES, ACCELERATING ACCESS TO LEADING CAPITAL MARKETS
- IPC UNVEILS SERVICE TO MANAGE VOICE RECORDING PLATFORMS
- THE CLOUD COMMUNITY FACES INDUSTRIAL SCALE CHALLENGES
- SPEAKERBUS WELCOMES JULIE LEGGE TO DRIVE THE LAUNCH OF THEIR COST-EFFECTIVE LINE NETWORKING SOLUTION
- THE IMPORTANCE OF SUPPLY CHAIN FINANCE FOR THE HOME IMPROVEMENT RETAIL INDUSTRY
- MINDLINK FACILITATES TEAM COLLABORATION AND INFORMATION EXCHANGE, LEADING TO MEASURABLE BUSINESS RESULTS
- DRIVING MORE PREDICTABLE CASH FLOW
- BIAN EXPANDS GLOBAL REACH WITH FIRST MIDDLE EAST MEMBER
- NEW TECHNOLOGIES WILL HELP BANKS THRIVE, NO MATTER WHAT THEIR CUSTOMER EXPERIENCE MODEL
- DevOps – IS A SUCCESSFUL RECIPE DEPENDENT ON VERSION MANAGEMENT AS AN INGREDIENT?
- BREAKING DAWN: THE NEW REALITY FOR THE BUY-SIDE
- BRINGING GIS TO LIFE
- IT OUTSOURCING DRIVERS AND LOCATIONS
- RETAIL BANKING: LEAN AND KEEN BANKING IN AN INTERNET AGE
- IPC Celebrates 40 Years of empowering traders to connect and communicate
- WOMEN IN FINANCE: GETTING ON THE BOARD
- FULFILLING CUSTOMER PROMISES
- When it comes to banking technology, there’s strength in numbers
- Citrix ShareFile Mobilises and Secures Enterprise Data Everywhere
- Innovation and IT – why banks and IT vendors are beginning to work together
- The cost of doing nothing – why underinvestment in IT poses a significant business risk
- Today’s business travellers, technology, and the hotel industry
- The future for the financial services industry will be a more regulated one
- Microsoft: an enterprise-class player?
- Collaborating to deliver leading edge e-commerce solutions
- BYOD – It’s Time to Throw Out the Rule Book
- The Evolving Role of the IMF in the Global Economy
- How People Think and How it Matters
- Achieving maximum long-term growth
- Challenges and Opportunities for the World Economy and the IMF
- Jean-Claude Trichet: Interview with Le Point
- Intervention at Sveriges Riksbank Conference: Monetary Policy in an Era of Fiscal Stress
- Achieving Sustainable Economic Reforms in Greece in 2011 and Beyond
- China’s Economic Outlook Remains Favorable, but Further Macro Policy Normalization is Needed
- With China’s Economic Prospects Sound, the Focus Shifts to Structural Issues, According to the World Bank