Betting on the House: The Impact of Gambling on Homeownership in Australia.

Gambling is commonly associated with social and economic disadvantage. In this paper we examine the impact of gambling on homeownership, using Australian panel data. We find that gambling is associated with a lower probability of homeownership. Specifically, our endogeneity corrected estimates show that an increase in problem gambling is associated with between 1.6 and 1.8 percentage point decrease in the probability of owning a home depending on the model. Our result show that financial stress and social capital are channels through which gambling influences the probability of homeownership.

The rise of 'smart' solutions in Africa: a review of the socio-environmental cost of the transportation and employment benefits of ride-hailing technology in Ghana.

Governments in Africa are licensing major global ride-hailing firms to launch operations in the continent. This is often presented as a refreshing development for the continent to leverage technology to address its twin problems of inefficient urban transport and rising youth unemployment. Interviews with ride-hailing adopters (drivers, riders, and car owners) and researchers in Ghana suggest, however, that whereas the technology is driving up the standards of road transport experience, the benefits are accessible to a select few (largely, the younger, highly educated and relatively high income-earning class). The lopsided power relations underlying the ride-hailing industry have also meant that the economic opportunities it avails disproportionately benefit a few powerful players (e.g. ride-hailing firms and car owners) while stimulating 'turf wars' among online and traditional taxi drivers; deepening existing gender inequalities in access to income-earning opportunities in the commercial passenger transport sector; encouraging unhealthy driving practices, shifts from shared public transport, and inundation of the roads with more private cars. While it will be imprecise to say that the private gains of ride-hailing outstrip the public costs and, therefore, the technology is detrimental to Ghana's development, the considered evidence raises the need for sustained scrutiny of the hailing of technological interventions as though they are the magic bullets for socio-economic transformation in Africa. Overall, the paper argues that dismantling the power structures underlying Africa's urban challenges will require more than splashing 'smart' apps and other tech wizardries around. Indeed, the lessons from Ghana's ride-hailing industry suggest that such exclusively technical solutions could easily take root and pattern after existing strictures of unjust power structures in ways that could exacerbate the social and environmental problems they are supposed to address.