You don’t need expensive software for basic PDF tasks. In fact, all you need is a handful of free web-based apps.

Mobile banking offers speed, convenience and 24/7 access. Users can pay bills, get overdraft alerts, check their account balances, track expenses, deposit checks, and send money to friends and family ...

A more recent Back to Basics article on this topic is available to read here. Dilip Ratha is a lead economist at the World Bank and an advisor to the Multilateral Investment Guarantee Agency. Opinions ...