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Bank ownership: Trends and implications

Bob Cull's picture

In the wake of the Global Financial Crisis (GFC), many wondered whether the strong pre-crisis trend toward greater internationalization in banking would be reversed and, more immediately, whether local state-owned banks had to assume a larger role in restoring banking stability and ensuring the delivery of credit. We revisit those conjectures in the light of new data on bank ownership and research on the post-Crisis period (Cull, Martinez Peria, and Verrier, 2018).

Who owns the laptops and tablets used by students and teachers, and how does this affect their use?

Michael Trucano's picture
yes, that’s right, that new tablet is mine, all mine! (or is it?)
yes, that’s right, that new tablet is mine, all mine!
(or is it?)

Many countries and education systems around the world are currently engaged in large-scale efforts to introduce huge numbers of computing devices (PCs, laptops, tablets) into schools and into the hands of teachers and students,  and many more initiatives are under serious consideration. However one might feel about such projects (in general, or in particular instances), there is no denying that these can be quite complex undertakings, rolling out over many years, in multiple stages, with many interdependent components (related to e.g. infrastructure, content, training, assessment), and costing (tens of, sometimes hundreds of) millions of dollars. When planning such initiatives, there are many questions to be asked, large and small. One question that I don’t find is typically given much serious attention relates to what would, at first glance, probably appear to be a rather simple one, with a simple answer:

Who owns the laptops (tablets) that will be distributed to students (teachers)?

I regularly ask this question as part of my interactions with leaders of various such projects around the world. I find that I rarely get a simple or complete answer. This is potentially problematic, as the responses to this question, and a set of related ones, can have a very profound impact on how such projects function in practice, and thus on their (potential) impact as well.

Here’s one example of why this sort of thing is important:

Involving Afghans for Success

Nancy Dupree's picture

Current rehabilitation and development rhetoric calls for listening to the Afghans and giving them the lead. Sadly, actions too often defy these wise words. The challenge is to make way for genuine in depth Afghan involvement at a time when the problems inherent in a lackluster government beset with corruption are so complex, and, particularly, when the aid-dispensing agencies so often disregard coordination and cooperation.

Politics within the prevailing environment of conflict imposes a sense of great urgency, no doubt, but many basic development principles are being set aside when they are most needed. Plans that rest on massive projects designed by outsiders lavishing too much money and demanding instant implementation are bound to be ineffective. Quick fixes never have worked. Throwing around money indiscriminately just compounds problems and raises new dilemmas. Sustained development, as has been established for decades, requires patient on the ground interactions over time.