DECISION, Journal Year: 2025, Volume and Issue: unknown
Published: March 3, 2025
Language: Английский
International Journal of Management & Entrepreneurship Research, Journal Year: 2024, Volume and Issue: 6(3), P. 737 - 751
Published: March 16, 2024
The digital transformation of Small and Medium-sized Enterprises (SMEs) is a critical phenomenon shaping the global business landscape. This paper presents comparative review between United States Africa, exploring diverse trajectories digitalization within these regions. While USA often at forefront technological advancements, Africa's SMEs exhibit unique challenges opportunities in their journey. In States, have embraced technologies to enhance operational efficiency, improve customer experiences, gain competitive edge. adoption cloud computing, data analytics, e-commerce platforms has become ubiquitous, fostering innovation scalability. study delves into specific strategies employed by American navigate complexities era. On contrary, African face distinct hurdles efforts. Infrastructure limitations, limited access capital, economic landscape present challenges. However, this sheds light on innovative approaches taken overcome barriers. Leveraging mobile technology, localized solutions, collaborative networks, are carving out paths. Moreover, emphasizes role government policies support mechanisms for both By examining regulatory frameworks, funding initiatives, skill development programs, provides comprehensive analysis ecosystem supporting evolution. dynamic process with nuances Africa. benefit from advanced infrastructures, showcase resilience adaptability leveraging tools Understanding essential policymakers, businesses, researchers seeking foster inclusive sustainable growth globally. Keywords: Digital Transformation, SMEs, USA, Review.
Language: Английский
Citations
43
International Journal of Management & Entrepreneurship Research, Journal Year: 2024, Volume and Issue: 6(3), P. 608 - 622
Published: March 16, 2024
Entrepreneurship in Africa has emerged as a dynamic force, witnessing both remarkable growth and formidable challenges. This review delves into the multifaceted landscape of African entrepreneurship, providing insights key drivers its expansion persistent obstacles it confronts. The entrepreneurship is propelled by confluence factors. A burgeoning population, coupled with increasing urbanization connectivity, created fertile ground for business innovation. Government initiatives international partnerships have also played pivotal roles, fostering an environment conducive to entrepreneurial endeavors. Notably, rising culture innovation wave tech-driven startups are contributing continent's economic diversification. However, this surge coexists host challenges that demand attention. Infrastructure deficiencies, including unreliable power supply inadequate transportation networks, hamper operational efficiency businesses. Limited access financing remains pervasive issue, hindering potential aspiring entrepreneurs transform their ideas viable enterprises. Regulatory complexities, bureaucratic hurdles, political instability further complicate landscape. Navigating intricate socio-economic fabric Africa, face unique cultural contextual Disparities education skill levels pose barriers entry, requiring concerted effort bridge gaps empower diverse pool leaders. Recognizing significance inclusivity, Review emphasizes need tailored support mechanisms address specific needs women marginalized communities ecosystem. In conclusion, presents nuanced overview acknowledging while addressing complex encounter. It underscores imperative comprehensive strategies not only foster but context-specific impediments success. By embracing dual facets challenges, can unlock pave way sustainable development. Keywords: Entrepreneurship, Growth, Review, Urbanization.
Language: Английский
Citations
40
International Journal of Science and Research Archive, Journal Year: 2024, Volume and Issue: 11(1), P. 488 - 501
Published: Jan. 26, 2024
This paper provides a comprehensive overview of digital inclusion initiatives aimed at mitigating the connectivity gap in Africa and United States. As world becomes increasingly reliant on technologies, importance ensuring equitable access to information communication technologies (ICTs) has become global priority. review explores current state efforts two distinct regions, USA, understand challenges, successes, lessons learned bridging divide. The first section focuses Africa, where disparities are particularly pronounced. Examining various initiatives, policies, strategies implemented by governments, non-governmental organizations, international partners, delves into multifaceted approaches taken extend underserved populations. It highlights role innovative solutions such as community networks, mobile public-private partnerships fostering across diverse socio-economic landscapes. In second section, turns its attention States, also face challenges despite higher overall rates. By analyzing federal local well private sector contributions, nuances an advanced technological landscape. examination encompasses address urban-rural disparities, promote literacy, ensure affordable broadband for marginalized communities. Comparative analysis between regions identifies commonalities differences inclusion. assesses impact cultural, economic, political factors effectiveness emphasizing need context-specific strategies. Furthermore, it evaluates regulatory frameworks policy interventions shaping trajectory initiatives. Drawing from experiences both continents, this contributes insights inform future policies practices globally. synthesizing policymakers, researchers, practitioners can develop more nuanced contextually relevant bridge gap, inclusive all.
Language: Английский
Citations
25
Finance & Accounting Research Journal, Journal Year: 2024, Volume and Issue: 6(4), P. 546 - 555
Published: April 9, 2024
This review paper explores the transformative role of fintech innovations in enhancing financial inclusion across Africa and U.S., offering a comparative analysis initiatives, challenges, opportunities within these diverse economic landscapes. It highlights how mobile money, digital banking, blockchain technologies have significantly increased access to services, addressing traditional barriers faced by unbanked underbanked populations. Despite potential foster inclusivity, identifies common obstacles such as regulatory hurdles, literacy, infrastructure limitations, providing nuanced understanding ecosystem. Policy recommendations are offered guide policymakers, institutions, companies creating an environment conducive inclusion. The emphasizes importance innovative bridging gaps, suggesting areas for future research continue advancing discourse. Keywords: Fintech Innovations, Financial Inclusion, Regulatory Challenges, Comparative Analysis.
Language: Английский
Citations
25
International Journal of Science and Research Archive, Journal Year: 2024, Volume and Issue: 11(1), P. 1408 - 1417
Published: Feb. 9, 2024
This Review provides a succinct overview of comprehensive review examining cross-cultural business development strategies, drawing insights from both the United States (USA) and diverse African contexts. The analysis delves into intricacies cultural nuances, economic disparities, innovative approaches employed by businesses in these distinct regions. In dynamic landscape global business, understanding navigating nuances are imperative for sustainable development. juxtaposes strategies USA, beacon prowess diversity, with rapidly evolving markets across Africa. exploration encompasses spectrum factors, including foundations, market dynamics, approaches, shedding light on multifaceted nature endeavors. examination begins unraveling foundations that underpin practices USA various countries. Silicon Valley Wall Street emblematic USA's entrepreneurial financial networks, each its unique influences. Contrastingly, Africa's is shaped rich tapestry nations, necessitating nuanced environments. further scrutinizes successful deployed focus innovation hubs, collaborative spaces, professional associations, illustrating how contribute to success networking industry-specific strategies. Africa, extends navigate diversities seize opportunities burgeoning markets. Key disparities challenges faced Africa explored, emphasizing importance adaptive sustained growth. intricate balance between leveraging strengths overcoming central comparative analysis, providing valuable businesses, policymakers, researchers. As increasingly operate globalized context, this underscores critical competence tailored synthesis experiences offers lessons, fostering deeper interplay culture, economics, realm
Language: Английский
Citations
22
International Journal of Management & Entrepreneurship Research, Journal Year: 2024, Volume and Issue: 6(5), P. 1687 - 1701
Published: May 21, 2024
This paper explores the intersection of marketing, communication, banking, and fintech, with a focus on personalization in fintech marketing enhancing customer communication for financial inclusion. Financial technology (fintech) has revolutionized way services are delivered, offering innovative solutions that cater to diverse needs. One key aspect this transformation is emphasis personalized strategies, which enable companies engage customers more individualized level, driving satisfaction loyalty. Personalization involves tailoring products, services, communications meet specific needs preferences customers. approach not only enhances experience but also increases likelihood retention acquisition. Fintech leverage data advanced analytics segment their audience deliver targeted messages offers, effectively addressing pain points engagement. Moreover, effective essential promoting inclusion, particularly among underserved populations. can use various channels, such as mobile apps, social media, chatbots, reach who may have limited access traditional banking services. By delivering relevant timely information, empower make informed decisions improve overall well-being. The discusses role partnerships collaborating banks, existing infrastructure networks communities. These offer products broader audience, contributing greater inclusion economic empowerment. In conclusion, drivers adopting these better customers, tailor offerings needs, ultimately, contribute inclusive system. Keywords: Marketing, Customer Communication, Inclusion, Personalization, Banking.
Language: Английский
Citations
22
Engineering Science & Technology Journal, Journal Year: 2024, Volume and Issue: 5(3), P. 821 - 835
Published: March 17, 2024
Sustainable smart cities are at the forefront of urban development, striving to balance economic prosperity with environmental sustainability. This Review delves into critical role played by Financial Technology (Fintech) in advancing sustainability within city initiatives. Fintech innovations instrumental optimizing resource management, enhancing citizen engagement, and fostering collaborative governance models, thereby contributing overarching goal creating sustainable ecosystems. Through a historical perspective, this traces evolution cities, highlighting transformative impact technological advancements integration solutions. From early planning concepts emergence technologies 21st century, underscores importance leveraging innovation address challenges. The rise has further accelerated evolution, offering innovative financial services tailored support green finance, renewable energy investment, infrastructure development. platforms enable efficient allocation resources, facilitate transparent secure transactions, empower citizens participate By integrating solutions development strategies, can unlock new opportunities for while growth social equity. Looking ahead, holds immense potential pressing challenges such as climate change, pollution, depletion. As continue embrace digital transformation adopt data-driven approaches, promoting will become increasingly crucial. insights embracing emerging technologies, chart path towards more resilient, inclusive, environmentally future. collaboration among stakeholders, including governments, businesses, academia, civil society, drive collective action accelerate transition cities. Keywords: Sustainable, Smart Cities, Fintech, Promoting, Environmental.
Language: Английский
Citations
17
Journal of Innovation and Entrepreneurship, Journal Year: 2025, Volume and Issue: 14(1)
Published: Feb. 4, 2025
Language: Английский
Citations
2
African Journal of Economic and Management Studies, Journal Year: 2025, Volume and Issue: unknown
Published: Feb. 10, 2025
Purpose Despite the criticality of financial inclusion, population growth and energy intensity in shaping production consumption, economic environmental sustainability, less attention has been directed to their collective integrating role as pathways sustainable development. This study therefore examines critical link between inclusion development Nigeria, taking into account intensity. Design/methodology/approach The employs Kernelized regularized least squares (KRLS) machine learning approach Granger causality test investigate on Findings Financial path is not statistically significant. because potential are eclipsed by broader problems Population have significant dampening effects These results broad ramifications for sustainability macroeconomic strategies Nigeria’s quest achieving Practical implications Policies such improvement literacy responsible behavior among underserved populations can enhance Similarly, investment education human capital development, adoption renewable technologies mitigate Originality/value present focuses pathway key variables
Language: Английский
Citations
2
Economies, Journal Year: 2024, Volume and Issue: 12(3), P. 54 - 54
Published: Feb. 22, 2024
This study delves into the dynamic interplay between green finance, Fintech adoption, digital awareness, and transformation in Croatian banking industry. Amidst emerging trend of sustainable practices technological advancements, this research aims to examine influence finance on adoption sustainability. Employing a quantitative design, gathered data through survey questionnaire 304 participants, comprising customers employees various banks Croatia. The respondents’ insights were analyzed using IBM SPSS for demographic analysis SmartPLS structural equation modeling (SEM). results reveal significant impact awareness. Additionally, awareness significantly influenced adoption. However, direct effect was not significant. also confirmed sustainability identified mediating role contributes novel relationship initiatives trends. It underscores need increased integration principles sector. These findings offer practical implications Croatia, suggesting strategic focus programs, leveraging enhanced customer experience, fostering collaboration conducive environment.
Language: Английский
Citations
11