Journal of International Financial Markets Institutions and Money, Journal Year: 2024, Volume and Issue: 99, P. 102104 - 102104
Published: Dec. 22, 2024
Language: Английский
Journal of risk and financial management, Journal Year: 2024, Volume and Issue: 17(3), P. 105 - 105
Published: March 3, 2024
This study provides an overview of the different dimensions financial inclusion, its socioeconomic impacts on society’s sustainable development, and future research agendas. Initially, 620 studies were identified using Scopus other databases, employing keywords such as literacy, capability, women’s empowerment, fintech, artificial intelligence, accessibility, development goals, economic growth. After refinement based focus relevance, 325 papers analyzed in detail for review, primarily focused India emerging economies. review highlights that access to finance by untouched segments society is essential socio-economic developing The official banking system, effort government assist financially disadvantaged, can incorporate impoverished into a formal system through campaigns credit reforms. Socioeconomic programs reinforce one another foster children, women, families, society. paper undertakes systematic literature relevant articles broad areas inclusion impact analysis offers valuable agenda research.
Language: Английский
Citations
24
Journal of Open Innovation Technology Market and Complexity, Journal Year: 2024, Volume and Issue: 10(1), P. 100236 - 100236
Published: Feb. 16, 2024
Understanding the factors influencing women in adopting and utilizing financial technology (Fintech) services will not only contribute to reduce gender gap but also accelerate inclusion. The main objective of this research is examine antecedents behavioral intention use behavior by extending Technology Acceptance Model (TAM) Indonesia, considering mediating effect government support, digital literacy value status quo post-Covid-19 pandemic. Further, study explores potential differences determinants between urban rural respondents. By analyzing 403 Indonesian respondents using Partial Least Square Structural Equation Modeling (PLS SEM), revealed that attitude has most significant explaining gained greatest impact on outbreak. Government support play a role with small size, while large relationship behavior. finding documented differs individuals. These findings highlight need for different strategy increase Fintech adoption residing both areas Indonesia.
Language: Английский
Citations
14
Technological Sustainability, Journal Year: 2024, Volume and Issue: 3(2), P. 171 - 194
Published: March 27, 2024
Purpose The purpose of this paper is examining how financial inclusion can be enhanced in rural and remote areas emerging economies through the adoption Financial technologies. study examines direct influence technological characteristics, facilitating conditions, trust perceived risk on FinTech. Furthermore, mediating effects conditions moderating education level Design/methodology/approach employed quantitative research design. Stratified simple random sampling were to identify which respondents will collected. Drop Pick method was further collect 275 valid reliable responses. Structural equation modeling used analyze data assess reliability validity measurement model. model analysis examine hypothesized relationship. Findings results show that compatibility, complexity agent trust, have significant findings mediate relationship between all characteristics FinTech except compatibility also has found moderates observability as well trialability adoption. Research limitations/implications This cross-sectional research-based techniques collecting for analyzing However, drawback may impact over a long time. Therefore, future studies must consider conducting longitudinal some time generalization these should considered carefully by other countries are not economically similar Tanzania developed countries. provides room same area with different economic development. Originality/value contributes knowledge into two folds: First there limited economies; addresses gap providing empirical help scholar. less examined condition technology. conditions. Also, policymakers implement strategy speed-up isolated economies.
Language: Английский
Citations
7
Journal of Financial Services Marketing, Journal Year: 2024, Volume and Issue: 29(4), P. 1377 - 1395
Published: Feb. 22, 2024
Abstract This study focuses on understanding the factors that influence end-users’ (customers’) acceptance of fintech services in insurance industry. The employed a modified Unified Theory Acceptance and Use Technology 2 model, incorporating perceived security personal innovativeness as independent variables, trust moderating variable. A total 391 responses were analyzed using partial least squares structural equation modeling SmartPLS software. study’s findings indicate such effort expectancy, social influence, facilitating conditions, perceived, positively affect users’ behavioral intention (BI) to use Moreover, BI influences actual (AU) services. Additionally, plays positive role between AU. results this have practical implications for academicians, researchers, companies, regulatory bodies. Academicians researchers can further explore developing countries based these findings. Insurance companies bodies take necessary steps formulate strategies promote adoption industry, considering identified trust.
Language: Английский
Citations
4
Business Process Management Journal, Journal Year: 2025, Volume and Issue: unknown
Published: March 17, 2025
Purpose With 1.7bn people globally excluded from essential financial services, universal inclusion remains a critical challenge, impeding progress toward Sustainable Development Goal 8 on inclusive growth. Despite advances, Fintech’s potential is underutilized, particularly for small businesses in Pakistan’s informal sector that struggle to access formal services. This study investigates how Fintech solutions can help overcome these barriers, aiming promote and support sustainable economic growth underserved sectors. Design/methodology/approach The employs deductive approach, collecting data through questionnaires 389 respondents utilizing partial least squares-structural equation modeling empirically evaluate the proposed model. Findings finds performance expectancy, effort perceived trust, price value interface design quality positively influence behavioral intention use Fintech. Effort expectancy also impact actual of Behavioral intentions mediate relationship between variables use. moderating effects information quality, service system are significant. intention’s adoption strongest at high levels, significant or moderate only levels. Originality/value integrates “UTAUT2 Delone McLean IS Success Models” propose novel research framework, contributing debate two ways. It introduces an unknown dimension, namely quality. unveils previously unexplored (information quality) as variable moderates
Language: Английский
Citations
0
Lecture notes in networks and systems, Journal Year: 2025, Volume and Issue: unknown, P. 491 - 501
Published: Jan. 1, 2025
Language: Английский
Citations
0
Behaviour and Information Technology, Journal Year: 2025, Volume and Issue: unknown, P. 1 - 13
Published: April 3, 2025
Language: Английский
Citations
0
Information Development, Journal Year: 2025, Volume and Issue: unknown
Published: April 24, 2025
Customer satisfaction with personal information security management directly measures the effectiveness of insurance companies in ensuring customer confidentiality. However, previous studies focused either on level awareness among customers or corporate taken whereas this study integrates both dimensions for a holistic analysis. This paper examines how demographic factors, practices, and interlink to determine which factors have most influence customers’ regarding managing within sector. research had quantitative design aiming assess practices China's There were 77 participants, 61 from 13 companies, they held two policies each, amounting 138 total. Purposive sampling was adopted order ensure that good range demographics is covered. Structured questionnaires used collect data April 2024, tech-friendly participants reached via social media elderly interviewed by phone. The results show effect type not significant when stratified educational degree. age joint satisfaction. Furthermore, depends pricing channels potential leakage. Regression analysis reveals monetary capital, claims reserves, highly educated personnel are affect introduces novel perspective integrating comprehensively. proposes new insight into risks concerning leakage across various information, related affects trust.
Language: Английский
Citations
0
Investment Management and Financial Innovations, Journal Year: 2024, Volume and Issue: 21(2), P. 370 - 380
Published: June 11, 2024
The primary aim of this study is to delve into the factors influencing individuals’ readiness embrace financial technology (FinTech) services in Bangladesh. Specifically, focused on Bangladeshi fintech consumer’s knowledge about contemporary digital tools, such as mobile-based payment service apps. Data collection was carried out using a survey questionnaire tailored context. Participants were invited participate survey, and their responses gathered upon consent. A five-point Likert scale, ranging from ‘1’ for ‘Strongly Disagree’ ‘5’ Agree,’ employed gauge items. final sample size 450 respondents. To assess hypotheses, 5% significance level employed, with data analysis conducted SPSS software. findings underscore positive statistically significant impact literacy, self-efficacy adoption FinTech Collectively, these variables elucidate 48.20% variance (R2=0.482) predicting behavior FinTech. Financial (β = 0.574; t-value 8.394) has highest effect compared other two factors. Additionally, substantial correlation coefficient (r=0.634) present between literacy adoption. This contributes extant literature by providing valuable insights that enhance scholars’ understanding emerging technologies’ predominant impacts within ecosystem. These hold implications policymakers, institutions, stakeholders seeking promote foster inclusion
Language: Английский
Citations
2
Naukovij vìsnik Nacìonalʹnoï akademìï vnutrìšnìh sprav, Journal Year: 2024, Volume and Issue: 29(2), P. 77 - 89
Published: May 3, 2024
This study centred on the effect of technology conventional payment methods and their consequences for society. Considering presence digital currencies, also known as cryptocurrencies, used in transactions through financial (fintech), this could serve a basis developing laws regulations governing fintech. The purpose was to offer clear specific understanding legitimacy societal advantages fintech Indonesia. employed regulatory research methodology, incorporating socio-legal techniques, legislative analysis, examination legal concepts. findings have effectively achieved three fundamental criteria use fintech: assurance, benefit, fairness. are outlined Bank Indonesia Regulation No. 19/12/PBI/2017, Financial Services Authority 77/POJK.01/2016, Law 8 1999, which address matters related consumer protection. From sociocultural standpoint, embodies technologically- driven revolution that fosters development. Fintech endeavours benefits public facilitating electronic transactions. It emphasised plays crucial role reshaping society by revolutionising how people interact with finances. A key aspect transformation is shift away from towards alternatives. essential both consumers companies understand follow requirements when implementing solutions, adherence critical. Failure uphold ethical standards within industry can hinder its widespread adoption lead negative consequences. Understanding potential threats posed system will allow institutions regulators develop effective risk management strategies
Language: Английский
Citations
2