Does service quality matter in FinTech payment services? An integrated SERVQUAL and TAM approach

International Journal of Information Management Data Insights, Journal Year: 2024, Volume and Issue: 4(2), P. 100252 - 100252

Published: May 21, 2024

As the number of FinTech start-ups continues to rise globally, utilization these services by users becomes increasingly crucial, especially considering potential risks. Various factors affect users' financial technology, with quality offered providers standing out as a significant consideration. The aim this study is investigate relationship between payment platforms and services. We develop novel conceptual model integrating elements from SERVQUAL TAM (the Technology Acceptance Model) dynamics. To gain comprehensive understanding, we employed mixed methods research approach. This approach included quantitative survey analyzed using partial least squares structural equation (PLS-SEM) examine proposed framework relationships its constructs. Following survey, follow-up focus group discussion industry experts academics was conducted delve deeper into findings explore "why" behind statistical relationships. reveal impact service on such It demonstrates that in sector, perceived usefulness does not always dominate ease use. Moreover, it confirms profound influence shaping attitudes subsequent behaviour related technology These insights contribute an enhanced understanding driving

Language: Английский

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Navigating Digital Transformation: Current Trends in Digital Competencies for Open Innovation in Organizations

Sustainability, Journal Year: 2024, Volume and Issue: 16(5), P. 2119 - 2119

Published: March 4, 2024

This study explored both the evolution and integration of digital competencies within context open innovation, emphasizing impact technological advances across various sectors. The goal was to analyze documents indexed in Scopus from 2017 2023 using a quantitative bibliometric approach. methodology employed RStudio version 4.3.2 Microsoft Excel 365 for data analysis, focusing on variables such as per year, h-index, total citations, academic sources. findings indicated significant increase research, highlighting diversity approaches, trend towards international collaboration, an basic concepts complex applications, particularly digitization with sustainability innovation. research underscores transformation business sector through innovation suggests further exploration into effects pandemic competencies, role artificial intelligence, competencies–sustainable development relationship, their application different

Language: Английский

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Is Digital Literacy a Moderator Variable in the Relationship Between Financial Literacy, Financial Inclusion, and Financial Well-Being in the Ecuadorian Context?

Sustainability, Journal Year: 2025, Volume and Issue: 17(6), P. 2476 - 2476

Published: March 12, 2025

This study explores the determinants of financial literacy (FL) and relationship between FL, inclusion (FI), well-being (FW-B) in Ecuadorian banking industry. It also tests moderating role digital (DL) on FL-FI, FL-FW-B, FI-FW-B. employs a self-designed online questionnaire with structural equation model to prove variables. Among 321 collected data, final valid dataset consisted 294 registers. The main findings revealed that (i) behavior (FB), attitudes (FA), skills (FS) have significant positive influence over (ii) FL positively affects FI FW-B, (iii) has (iv) DL does not moderate variables, given depends socio-economic factors (especially educational aspects) degree technology innovation adopted by customers. Study results are aligned previous studies United States, India, Greece, Finland. contributes research offering complete view importance transcendence presence programs improve FI, development, FW-B limitation is absence index environment. For future research, recommends performing longitudinal including different statuses categories test econometric model.

Language: Английский

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The Coupling and Coordination Degree of Digital Business and Digital Governance in the Context of Sustainable Development

Information, Journal Year: 2023, Volume and Issue: 14(12), P. 651 - 651

Published: Dec. 6, 2023

The inexorable march of technological advancement, particularly within the digital domain, continues to exert a profound influence on global economies, societies, and governance frameworks. This paper delves into intricate coordination between business against backdrop sustainable development. By introducing an index system gauge levels governance, this study assesses their coupling using model. Through level coordination, respective contributions development objectives EU countries through panel-corrected standard error (PCSE) estimates. paper’s findings underscore several key conclusions: (1) Notable upswings are evident in composite indices for growth. Among these, has demonstrated most pronounced surge. Furthermore, experienced distinct upward trajectory recent years. (2) Although observable, rise degree is restrained, with overall that remains relatively low. progression transitioned from stage low-degree primary coupling, demonstrating fluctuating rising trends degrees, marked by conspicuous regional disparities. (3) Over examined period, extent substantially impacts Sustainable Development Goals (SDG) index. Focusing interplay harmonization offers novel pathway toward attaining Goals.

Language: Английский

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Sustainable Development through Fintech: Understanding the Adoption of Buy Now Pay Later (BNPL) Applications by Generation Z in Saudi Arabia

Sustainability, Journal Year: 2024, Volume and Issue: 16(15), P. 6368 - 6368

Published: July 25, 2024

Sustainable development has emerged as a paramount priority globally, with the fintech services playing crucial role in achieving these goals. Although previous research explored consumer perceptions of novel services, including Buy Now Pay Later (BNPL) applications, there remains knowledge gap regarding factors influencing adoption among young consumers. This study addresses this limitation by investigating determinants BNPL app usage Saudi Arabian Generation Z consumers, integrating Unified Theory Acceptance and Use Technology DeLone McLean’s Information Systems Success model. A survey 380 consumers from was conducted, their responses were analyzed using structural equation modeling. The findings reveal that performance expectancy, effort social influence positively impact intention to continue apps. Furthermore, system quality, service information quality exhibit significant correlations satisfaction within IS study’s outcomes are expected inform developers designing effective apps engage digital-native provide policymakers insights enhance services. contributes significantly existing body on adoption, intentions, satisfaction.

Language: Английский

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Mapping Stakeholder Perceptions: Navigating Biometric Data Protection Initiative and Face Recognition Technology Support in Indonesia

Published: Sept. 8, 2023

This research aims to thoroughly understand the delicate interplay between stakeholders' perspectives, biometric data protection policies, and deployment of face recognition technologies in Indonesia's dynamic digital world. Adopting a qualitative methodology, study conducts Focus Group Discussions (FGDs) with various stakeholders, including government agencies, technology developers, regulatory civil society groups, subjects as end-users. Face-to-face group discussions facilitate an in-depth exploration participants' yielding rich that reveals nuanced insights into balance technological innovation, ethical considerations, socioeconomic repercussions associated implementing technology. The comprehensively explains difficulties opportunities responsible progress security. findings from FGDs influence development strategies effectively technical advancement individual rights, privacy, social well-being within growing landscape Indonesia. function seeks bridge gap public expectations advancements. Collaboration academic institutions, private sector, end-users emerges crucial element, fostering all-encompassing strategy integrating research, law, deployment, user empowerment. holistic approach is necessary ensure facial are utilized responsibly, thereby laying way for technologically sophisticated ethically aware future.

Language: Английский

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Shortening the Supply Chain through Smart Manufacturing and Green Technology

Sustainability, Journal Year: 2023, Volume and Issue: 15(22), P. 15735 - 15735

Published: Nov. 8, 2023

Correcting inefficiencies in the supply chain requires us to reimagine manufacturing by recapturing processes—particularly material sourcing and end-use recycling, which create vast amounts of waste. Inefficiencies massive waste stifle innovation manufacturing, both well-established concerns for environment. Carbon-based fuels products are detrimental land, air, sea. Single-use made from toxic materials flood food medical chains. Businesses increasingly moving toward single purchasing platform model (for example, Uber Airbnb). Following that model, this paper proposes a as service (PaaS) sharing matches small- mid-size manufacturers with production capacity solution obtaining ethically sourced at competitive price while offering access last-mile delivery locally on platform. The development an Internet Things (IoT) can achieve these four things: (1) provide better coordination materials, (2) ensure effective provisions eco-friendly recycled inputs, (3) efficient distribution equipment resources, (4) shorten centralizing coordinating delivery.

Language: Английский

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Mapping of FinTech Ecosystem to Sustainable Development Goals (SDGs): Saudi Arabia’s Landscape

Sustainability, Journal Year: 2024, Volume and Issue: 16(21), P. 9362 - 9362

Published: Oct. 28, 2024

Financial technology (FinTech) has become an indispensable part of most the business infrastructure around world. The FinTech ecosystem provides this solution by providing a suitable environment for all financial techno services to synergize. This paper explores relationship between programs in Saudi Arabia and Sustainable Development Goals (SDGs). It highlights how these initiatives contribute various SDGs innovative solutions that enhance inclusion, improve access essential services, foster economic growth. Specifically, study identifies connections SDG goals 1 (No Poverty), 2 (Zero Hunger), 5 (Gender Equality), 8 (Decent Work Economic Growth), 17 (Partnerships Goals). Through linkages, demonstrates role promoting sustainable development supporting national global efforts achieve crucial objectives. Secondary data were collected from published reports, institutional governmental websites, official portals, research papers focusing on companies operating Arabia. was found is addressing 1, 2, 5, 17. further endeavors map specific indicators products provided By doing so, it seeks identify areas where technological directly support achievement targets. comprehensive analysis intended be valuable resource institutions policymakers industry. insights into can align their offerings more closely with framework, thereby any existing gaps. findings aim aid agenda eradicating poverty opportunities leveraging innovations.

Language: Английский

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The Effect of Generation Z Participation and Financial Technology Innovation on Community Welfare and Sustainable Development in MSMEs in Indonesia

West Science Social and Humanities Studies, Journal Year: 2024, Volume and Issue: 2(04), P. 577 - 587

Published: April 30, 2024

This study investigates the effect of Generation Z participation and Financial Technology (FinTech) innovation on community welfare sustainable development within Micro, Small, Medium Enterprises (MSMEs) in Indonesia. A quantitative research approach was employed, utilizing a cross-sectional survey design to collect primary data from MSME owners, employees, stakeholders. Structural Equation Modeling with Partial Least Squares (SEM-PLS) used analyze test hypothesized relationships. The findings reveal significant positive relationships between both Innovation Community Welfare Sustainable Development. results underscore importance harnessing youth entrepreneurship technological innovations drive socio-economic promote growth sector. These have implications for policymakers, entrepreneurs, stakeholders striving foster inclusive

Language: Английский

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Impact of Financial Leverage on Financial Sustainability: A Case Study of Microfinance Institutes in China

OALib, Journal Year: 2024, Volume and Issue: 11(06), P. 1 - 20

Published: Jan. 1, 2024

This scholarly article delves into the evolving landscape of microfinance in China, specifically focusing on microcredit and its impact small enterprise entrepreneurs.Approximately 30% China's population faces barriers accessing traditional banking services due to issues like geographical constraints limited credit history.The study concentrates economically disadvantaged regions, particularly along coastal provinces, using qualitative data methods.Through online focus groups with local executives interviews digital product management experts, research highlights vital role empowering micro-entrepreneurs marginalized communities.However, challenges such as qualification regulations hinder widespread adoption.The underscores importance transformation advocates for comprehensive digitization strategies enhance financial service accessibility underserved communities.It also emphasizes crucial regulatory policies promoting inclusion.The unique aspect this review lies in-depth analysis Chinese landscape, incorporating firsthand insights from practitioners experts.The findings have significant implications policymakers China beyond, aiming improve access services.

Language: Английский

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