is the manifestation of formalization
According to the EU an economy is formalized when the business transactions are recorded. Digitalization records every transaction (even if deleted) being created in the daily business
The challenges of digitalization in emerging markets are mainly:
Only smartphone as the mean of digitalization and therefore, formalization of any business:
to protect all data in the application logic and the database
Any vendor can offer his products to the smallest community, such as:
Rafik holds a MSc in computer science from the Technical University of Vienna. On top of 7 years of experience as a software engineer he worked 12 years as a management consultant for Deloitte and PwC in various projects in different industries in entire Europe.
At MOVEuropa he oversees the operations and is accountable for processes and the software architecture.
Business & Administration in Graz and Liverpool. MBA from Rider University in USA majored in International Marketing & Finance. Over 16 years experience in US on Wall Street, Europe, middle East and Africa. Ramin acts as Managing Director and is responsible for: strategic planning, raising capital, marketing and business development. He speaks five languages.