Defeating the Dark Sides of FinTech: A Regression-Based Analysis of Digitalization’s Role in Fostering Consumers’ Financial Inclusion in Central and Eastern Europe
Risks,
Journal Year:
2024,
Volume and Issue:
12(11), P. 178 - 178
Published: Nov. 11, 2024
Financial
technologies
metamorphose
economies
with
customer-focused
innovation.
In
this
way,
financial
inclusion
is
fostered
and
economic
growth
increased.
However,
risks,
trust
issues,
ethical
concerns
stem
from
the
faster
advancement
of
digital
expanding
Thus,
paper
aims
to
understand
risks
barriers
associated
FinTech
consumer
adoption,
focussing
on
impact
digitalization
products/services’
acceptance.
The
research
investigates
services
recognition
role
played
in
global
economy
by
FinTech.
For
reason,
regression
analysis
was
used
explore
influence
correlation
various
variables
Central
Eastern
European
(CEE)
countries,
such
as
Internet
usage,
online
shopping,
paying
bills
via
Internet,
making
receiving
payments.
results
show
differences
between
three
clusters
CEEs
terms
adoption.
While
several
past
studies
have
explored
advantages
FinTech,
few
investigated
its
trust,
usage
different
country
contexts.
present
fills
gap
analysing
data
sending
or
payments
CEE
countries.
study
recommends
that
companies
share
information
not
only
their
offerings
users,
but
also
promote
education
through
clear
straightforward
communication
about
features
services.
This
approach
can
indirectly
benefit
society
contributing
development,
inclusion,
social
stability,
and,
consequently,
sustainable
development.
Language: Английский
Penny-Wise Acumen in Costonomics: Transforming Costs into Entrepreneurial Gold Through Smart Financial Management
Journal of risk and financial management,
Journal Year:
2024,
Volume and Issue:
18(1), P. 9 - 9
Published: Dec. 28, 2024
This
research
demonstrates
that
penny-wise
acumen
in
costonomics
can
lead
to
significant
financial
gains,
transforming
costs
into
entrepreneurial
gold
for
enterprises.
The
study
aims
explore
how
effective
management,
through
the
application
of
cost
management
factors,
convert
opportunities
and
drive
long-term
business
sustainability.
utilized
exploratory
confirmatory
factor
analysis
(EFA
CFA),
along
with
reliability
(Cronbach’s
alpha),
employing
SPSS
AMOS
software
examine
relationships
between
critical
factors.
findings
reveal
strong
correlations
among
these
each
playing
a
vital
role
optimizing
efficiency
enhancing
performance.
Cost
Management
Effectiveness
(CME)
emphasizes
clear
structures,
supplier
evaluations,
overall
control.
Strategic
(SCM)
focuses
on
identifying
drivers
benchmarking
against
industry
standards
uncover
reduction
opportunities.
Optimization
Mastery
(COM)
involves
monitoring
production
assessing
quality
ensure
stability,
while
Policy
(CMP)
stresses
importance
robust
policies
employee
engagement
controlling
costs.
Lastly,
Vigilance
(CMV)
highlights
need
active
variable
overhead
maintain
discipline.
underscores
businesses
manufacturing,
hospitality,
commercial
sectors
successfully
leverage
practices
foster
competitive
entrepreneurship
sustainable
growth.
Future
studies
should
emerging
technologies
new
strategies
profitability
Language: Английский