Gabriella Jóźwiak - Freelance Journalist

Henry Mbene in Nigeria receives food and health checks from NGOs. Luisa Pelamo in Argentina keeps active by volunteering in a local community center. An NGO taught Chandra Devi Kafle in Nepal how to use a mobile phone. These people all have different lives in different environments, but upon reaching an older age, each of them has experienced life-changing challenges requiring additional support. While development practitioners have given the so-called youth bulge much attention in recent years, particularly in Africa, less notice has been paid to the impact of improved global life expectancy... Read the full story on Devex.com .

" When people in developing countries don’t have access to a bank account, physical proximity to a bank is usually the first challenge that springs to mind, but sometimes the reason a person is unable to access a secure place to store their savings is as simple as them not having a piece of paper to prove who they are. Banking regulations vary between countries, and some allow banks to set their own rules about what proof of identity they accept for new customers to make sure no one is excluded. In South Africa  Standard Bank  accepts a  letter  verifying a person’s address from a tribal chief for certain accounts, while Postbank offers a Mzansiaccount , which does not require any proof of address but only offers basic transactional services and has a balance limit of 25,000 South African Rand (£1,362). However, international banking standards set by the intergovernmental Financial Action Taskforce recommend that people opening an account provide  spec...

I've been at Payroll World since just before Christmas, writing about all sorts of issues related to pay, HR, employment law and technology. You can read the cover story I wrote for February's issue here about how apps are going to revolutionise office management, and also keep up to date with the latest online news at www.PayrollWorld.com. I've written a few exclusives so far, namely this story on how HMRC managed to create incorrect tax codes for thousands of the clergy , and this one about the cuts at the BBC . The Church of England story was picked up by the Daily Mail .