ASSESSING THE ROLE OF FINTECH IN FINANCIAL INCLUSION IN EMERGING MARKETS DOI
Pradeep Sharma,

Monica Gupta

ShodhKosh Journal of Visual and Performing Arts, Journal Year: 2023, Volume and Issue: 4(2)

Published: Dec. 31, 2023

FinTech has emerged as a powerful mediator for enhancing financial inclusion across emerging markets of the world and is also addressing persistent barriers to access traditional banking services, poor literacy, high transaction costs, lack trust in institutions. This study presents paradigm evaluating effect improving markets, taking into account fundamental variables that influence adoption. The takes mediating role literacy digital age, well moderating perceived regulatory support on link among finance technology adoption inclusion. Literature identified proposed framework by simultaneously assessing relationships between key factors like trust, service quality, security, adoption, support, inclusion, while both direct indirect effects test research hypotheses. According hypothesis, intended play an intermediary tempered support. findings should have significant importance providing insights foster their driving together with number practical recommendations how enhance environments innovations markets.

Language: Английский

Cybersecurity in Digital Accounting Systems: Challenges and Solutions in the Arab Gulf Region DOI Open Access
Amer Morshed, Laith T. Khrais

Journal of risk and financial management, Journal Year: 2025, Volume and Issue: 18(1), P. 41 - 41

Published: Jan. 19, 2025

The region of the Arab Gulf is marching ahead very fast toward digitalization in ways prompted by initiatives, such as Saudi Vision 2030 and UAE’s strategy for Smart Government. Thus, both underscore boundless movement inclusion advanced technologies into accounting practices, Business Intelligence Enterprise Resource Planning systems. While these enhance efficiency facilitate informed decision-making, they also render financial data vulnerable to cybersecurity threats, phishing, ransomware, insider attacks. This paper investigates impact ethical accountability, regulatory frameworks, emerging on adoption trust digital systems GCC region. A quantitative research approach was followed, wherein responses from a randomly selected sample 324 professionals representing nations were collected. empirical analysis completed using Partial Least Squares Structural Equation Modeling. Strong measures, AI-driven threat detection mechanisms, custom-fit employee training programs faith information considerably. Ethical accountability acts partial mediator those effects, supportive frameworks effectiveness. study examines development integrated strategies with respect technology, ethics, regulations. It makes several major recommendations, calling bringing countries’ line international standards; encouraging workforce programs; utilizing AI-powered proactive management. These findings can arm stakeholders holistic pathway developing secure, resilient, future-oriented infrastructures across

Language: Английский

Citations

2
Exploring AI's Impact on Fintech and Financial Inclusion DOI

K. Shriya,

T. Velmurugan

Advances in finance, accounting, and economics book series, Journal Year: 2025, Volume and Issue: unknown, P. 133 - 152

Published: Jan. 8, 2025

This paper investigates how fintech and AI are interacting, especially in terms of improving financial inclusion. Examining elements such as effort expectancy, performance social influence, digital literacy, transformation sentiment analysis, behavioral intention, perceived risk, it explores the intricate relationship between AI, Fintech, inclusivity. We examine impact these factors on adoption intentions risk using a combination approaches, including surveys interviews. The study employs statistical techniques analysis algorithms regression broad sample size 212 people. results highlight importance like influence expectation, underscoring need for customized interventions to successfully promote adoption.

Language: Английский

Citations

1
A Comprehensive Review on Cybersecurity Issues and Their Mitigation Measures in FinTech DOI Creative Commons
Guma Ali, Maad M. Mijwil, Bosco Apparatus Buruga

et al.

Iraqi Journal for Computer Science and Mathematics, Journal Year: 2024, Volume and Issue: 5(3)

Published: Jan. 6, 2024

The fourth industrial revolution has seen the evolution and wide adoption of game-changing disruptive innovation, "financial technologies (FinTech), around globe. However, security FinTech systems networks remains critical. This research paper comprehensively reviews cybersecurity issues their mitigation measures in FinTech. Four independent researchers reviewed relevant literature from IEEE Xplore, ScienceDirect, Taylor & Francis, Emerald Insight, Springer, SAGE, WILEY, Hindawi, MDPI, ACM, Google Scholar. key findings analysis identified privacy issues, data breaches, malware attacks, hacking, insider threats, identity theft, social engineering distributed denial-of-service cryptojacking, supply chain advanced persistent zero-day salami man-in-the-middle SQL injection, brute-force attacks as some significant experienced by industry. review also suggested authentication access control mechanisms, cryptography, regulatory compliance, intrusion detection prevention systems, regular backup, basic training, big analytics, use artificial intelligence machine learning, sandboxes, cloud computing technologies, blockchain fraud for issues. tackling will be paramount if is to realize its full potential. Ultimately, this help develop robust mechanisms achieve sustainable financial inclusion.

Language: Английский

Citations

5
Exploring the effect of financial technology on the sustainability of small and medium enterprises in Mogadishu, Somalia DOI Creative Commons

Mohamed Abdi Elmi,

Faadumo Osman Abdulkadir,

Akram Mahad Mohamud

et al.

Cogent Business & Management, Journal Year: 2025, Volume and Issue: 12(1)

Published: Feb. 4, 2025

Language: Английский

Citations

0
Harnessing financial advice and literacy for financial well-being in the digital age DOI Creative Commons
Anju Gupta, Shekhar Mishra, Deepak Kumar Behera

et al.

Investment Management and Financial Innovations, Journal Year: 2025, Volume and Issue: 22(1), P. 299 - 310

Published: Feb. 24, 2025

Under complex financial circumstances, individuals are empowered to improve decision-making by trusting advice and utilizing digital technology resources. Though the extant research has explored numerous factors impacting well-being, specific influence of literacy remains underexamined in Indian context. Thus, grounded on Social Cognitive theory, this study aimed examine how insights gained from integrate into individual’s and, subsequently, their well-being. The data were collected using purposive sampling Southern India, with 508 respondents recruited social media platforms. hypotheses empirically validated through hierarchical regression mediation analysis Hayes Process Macro. study’s findings reveal that positively predicted (β = 0.667; p < .000). Similarly, a positive impact 0.369; Additionally, 0.105; .065) wellbeing. both emerged as transformative predictors an Moreover, mediating role between advice, literacy, Therefore, underscores leveraging cumulative effect professional technologies, policymakers government regulatory bodies can augment critical ability informed decision-making. these could navigate overcoming individual challenges benefit overall well-being diverse population.

Language: Английский

Citations

0
Digital financial literacy and financial inclusion in the global south for a sustainable future: A scoping review DOI
Jeswin Jose, Nabanita Ghosh

DECISION, Journal Year: 2025, Volume and Issue: unknown

Published: March 3, 2025

Language: Английский

Citations

0
A Study of Individual Financial Behavior and Financial Literacy under the Development of Digital Financial Technology DOI Open Access
Xiao Liu

Applied Mathematics and Nonlinear Sciences, Journal Year: 2025, Volume and Issue: 10(1)

Published: Jan. 1, 2025

Abstract With the development of digital financial technology, behavior and literacy have become focus scholars’ research as well attention government society in recent years. The article explores level personal technology using a factor analysis model. A survey is conducted 800 questionnaires to assess basic status population Province A, measurement carried out analysis. Then probit model was constructed from four aspects, namely, borrowing behavior, management insurance consulting analyze impact on under technology. In terms has significant positive behaviors borrowing, wealth management, insurance, consulting, at 1% level. support, higher literacy, more rational behavior.

Language: Английский

Citations

0
Is Digital Literacy a Moderator Variable in the Relationship Between Financial Literacy, Financial Inclusion, and Financial Well-Being in the Ecuadorian Context? DOI Open Access
Ana Belén Tulcanaza-Prieto, Alexandra Cortez-Ordoñez, Jairo Rivera

et al.

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

Citations

0
Effect of digital finance on household financial asset allocation: a social psychology perspective DOI
Jing Yang,

Jianxun Shi,

Ling Xu

et al.

The North American Journal of Economics and Finance, Journal Year: 2025, Volume and Issue: unknown, P. 102427 - 102427

Published: April 1, 2025

Language: Английский

Citations

0
Bibliometric trends in SMEs financial literacy research from 2021 to 2024 DOI Creative Commons

K. Devender,

Kafila,

Gurunadham Goli

et al.

Future Business Journal, Journal Year: 2025, Volume and Issue: 11(1)

Published: April 11, 2025

Abstract In this study, the level of financial literacy among SMEs was examined through bibliometric and content analyses. Thoroughly analyzing quantifying literature on are goal research. This comprehensive overview aims to pinpoint trends, research gaps, important authors, key ideas in order guide future studies policy initiatives aimed at improving welfare small- medium-sized enterprises (SMEs). A search articles conducted 2024 extract data. The utilized Scopus database included inclusion exclusion criteria. total 195 published between 2021 were identified. Key concepts, including "Global Financial Literacy," discovered use Biblioshiny app VOS viewer program, which allows for visualization networks involving keywords bibliographic coupling. Topics include: "Empowerment literacy: Overcoming manacles Domestic violence"; "SMEs Development planning preparedness"; "Addressing gap personal finance behavior"; disparities enhancing education." following potential areas research: (SMEs) around world, effectiveness targeted interventions improve SMEs' literacy, role domestic violence policies, factors that influence processes, promotion global equality well-being.

Language: Английский

Citations

0