Digital Business最新文献_第2页

Government support for SMEs in the Fintech Era: Enhancing access to finance, survival, and performance

Digital Business Pub Date : 2024-12-18 DOI: 10.1016/j.digbus.2024.100099

Najla Abu, Filipa Pires da Silva, Pedro Rino Vieira

{"title":"Government support for SMEs in the Fintech Era: Enhancing access to finance, survival, and performance","authors":"Najla Abu, Filipa Pires da Silva, Pedro Rino Vieira","doi":"10.1016/j.digbus.2024.100099","DOIUrl":"10.1016/j.digbus.2024.100099","url":null,"abstract":"<div><div>Small and medium-sized enterprises (SMEs) are pivotal to global economic growth and stability but often face considerable barriers in accessing finance for growth and survival. Traditional financial support mechanisms present complexities and challenges, limiting the prosperity of SMEs. This systematic literature review (SLR), underpinned by bibliometric analysis, investigates how financial technology (Fintech) can help overcome these challenges. By analyzing 54 empirical studies, this review examines both the direct and synergistic effects of government support and Fintech innovations on SME financing. Our findings reveal a synergistic relationship between government initiatives and Fintech solutions, proposing transformative strategies that depart from traditional approaches that often separate them. Within the context of recent global economic and regulatory shifts, our study underscores the crucial role of policymakers in creating an enabling environment for SME growth through Fintech. This review addresses a key gap in the literature and provides a foundation for future research on the dynamic relationship between government support and Fintech. It emphasizes their combined capacity to transform SME financial empowerment and contribute to sustainable economic development.</div></div>","PeriodicalId":100376,"journal":{"name":"Digital Business","volume":"5 1","pages":"Article 100099"},"PeriodicalIF":0.0,"publicationDate":"2024-12-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"143166122","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

Internet of Things on Banking Processes in South Africa: A Systematic Reflection on Innovations, Opportunities and Challenges

Digital Business Pub Date : 2024-12-16 DOI: 10.1016/j.digbus.2024.100097

Paul Kariuki , Lizzy Oluwatoyin Ofusori , Maria Lauda Joel Goyayi

{"title":"Internet of Things on Banking Processes in South Africa: A Systematic Reflection on Innovations, Opportunities and Challenges","authors":"Paul Kariuki , Lizzy Oluwatoyin Ofusori , Maria Lauda Joel Goyayi","doi":"10.1016/j.digbus.2024.100097","DOIUrl":"10.1016/j.digbus.2024.100097","url":null,"abstract":"<div><div>The Internet of Things (IoT) represents a digital revolution that is defining global connections across sectors and people at a rapid pace. This extension of the internet beyond the electronic world transforms sectors and industries irrespective of their locality and core business. At the root of this revolution is the desire to improve the delivery of goods and services efficiently and effectively through the digital interconnection of people, places, and physical things. This qualitative study aimed to examine IoT's influence on banking processes in South Africa. The study utilized a systematic review of the literature to collect its data. The researchers preferred a systematic approach because they were interested in gaining insight into the topic from the existing body of literature about IoT and its use by the banking sector. The study found that while the use of IoT in banking processes is still in its infancy, most banks have enhanced their customer experiences through IoT innovations, enhanced their security systems, and enhanced their data access ecosystem to improve their operational efficiency.</div><div>Moreover, the banking sector is still experiencing some challenges regarding the use of IoT in its processes, such as a lack of privacy and proper storage of customer information, limited workflow management processes, and a lack of policy framework to guide the sector as far as adoption of IoT is concerned. The study recommends that the banking sector fast-track the development of a policy framework to guide its use and adoption of IoT and its processes to enhance client experiences and better workflow management while minimizing the risks associated with the protection of client information. The South African banking ecosystem should embrace a culture of continuous innovation and adaptation to keep pace with evolving customer expectations and corresponding digital trends.</div></div>","PeriodicalId":100376,"journal":{"name":"Digital Business","volume":"5 1","pages":"Article 100097"},"PeriodicalIF":0.0,"publicationDate":"2024-12-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"143166124","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

Investigating the impact of digital business ecosystem in enhancing Islamic mobile banking adoption through the TOE framework 通过 TOE 框架研究数字商业生态系统对促进伊斯兰移动银行应用的影响

Digital Business Pub Date : 2024-11-13 DOI: 10.1016/j.digbus.2024.100096

Abdurrahman Abdurrahman

{"title":"Investigating the impact of digital business ecosystem in enhancing Islamic mobile banking adoption through the TOE framework","authors":"Abdurrahman Abdurrahman","doi":"10.1016/j.digbus.2024.100096","DOIUrl":"10.1016/j.digbus.2024.100096","url":null,"abstract":"<div><div>This research investigates how the dimensions of the Technology, Organization, and Environment (TOE) framework influence the digital business ecosystem (DBE) and, in turn, how this ecosystem impacts the adoption of Islamic Mobile Banking (IMB). It addresses a gap in existing literature by adopting a customer-centric perspective, highlighting how DBE affects IMB adoption, a departure from previous studies that primarily focused on internal organizational factors. To achieve its objectives, the study employs a quantitative approach using Partial Least Squares Structural Equation Modeling (PLS-SEM) to analyze data from 985 IMB users in Indonesia. The findings reveal that DBE significantly influences IMB adoption, particularly when moderated by customer behavior as an environmental factor. Factors such as perceived usefulness and ease of use within the technological domain, firm reputation and innovation within the organizational domain, and perceived risk and sharia compliance as environmental factors all positively and significantly impact DBE. Additionally, perceived security has a significant effect on DBE, especially when mediated by perceived ease of use. Furthermore, DBE serves as a crucial mediator between all dimensions of the TOE framework and IMB adoption. This research offers a theoretical contribution by examining the TOE framework dimensions from a customer's perspective, revealing their impact on DBE and IMB adoption. From a managerial perspective, the study provides valuable insights for banks on how to effectively manage technological, environmental, and organizational dimensions to strengthen DBE and promote IMB adoption.</div></div>","PeriodicalId":100376,"journal":{"name":"Digital Business","volume":"4 2","pages":"Article 100096"},"PeriodicalIF":0.0,"publicationDate":"2024-11-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"142663502","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

Blockchain-based food traceability system and pro-environmental consumption: A moderated mediation model of technology anxiety and trust in organic food product 基于区块链的食品溯源系统和亲环境消费：技术焦虑与有机食品信任的中介模型

Digital Business Pub Date : 2024-10-28 DOI: 10.1016/j.digbus.2024.100095

Cong Doanh Duong, Thi Van Hoa Tran, Thanh Hieu Nguyen, Thi Viet Nga Ngo, Trong Nghia Vu

{"title":"Blockchain-based food traceability system and pro-environmental consumption: A moderated mediation model of technology anxiety and trust in organic food product","authors":"Cong Doanh Duong, Thi Van Hoa Tran, Thanh Hieu Nguyen, Thi Viet Nga Ngo, Trong Nghia Vu","doi":"10.1016/j.digbus.2024.100095","DOIUrl":"10.1016/j.digbus.2024.100095","url":null,"abstract":"<div><div>Blockchain technology is increasingly recognized as a transformative tool for enhancing clarity and responsibility in the organic food supply chain, where concerns about product authenticity and safety are paramount. By offering provable and translucent information about the origination, production processes, and administration of organic items, blockchain helps to reduce information asymmetry and builds consumer trust, which is critical for purchase decisions in the organic food market. Drawing on insights from the trust theory and the stimulus-organism-response framework, this study uses a moderated mediation model to explore how technology anxiety negatively moderates the direct and indirect influences of blockchain-based food traceability systems on trust in organic food products and organic food purchase intention. Using a targeted sample of 5326 consumers in Vietnam, the PROCESS macro approach (models 8 and 4) is utilized to examine the formulated hypotheses. The results demonstrate that blockchain-based food traceability systems notably enhance consumer trust in organic food products and their intention to buy these products. Trust in organic food products serves as a mediator in the connection between blockchain-based traceability and purchase intention, while technology anxiety weakens the positive impacts of blockchain technology on trust and purchase intention when anxiety levels are high. This research makes crucial contributions to the literature by offering a mechanism-based explanation of how blockchain technology enhances consumer trust in organic food products and integrates technological anxiety as a moderator, providing a deeper understanding of how technological innovations shape consumer behavior. In light of the findings, several critical recommendations have been proposed for practitioners and policymakers.</div></div>","PeriodicalId":100376,"journal":{"name":"Digital Business","volume":"4 2","pages":"Article 100095"},"PeriodicalIF":0.0,"publicationDate":"2024-10-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"142539153","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

Exploring individuals' socioeconomic characteristics and digital infrastructure determinants of digital payment adoption in Ethiopia 探索埃塞俄比亚采用数字支付的个人社会经济特征和数字基础设施决定因素

Digital Business Pub Date : 2024-10-28 DOI: 10.1016/j.digbus.2024.100092

Adino Andaregie , Gumataw Kifle Abebe , Prashant Gupta , Gardachew Worku , Hideyuki Matsumoto , Tessema Astatkie , Isao Takagi

{"title":"Exploring individuals' socioeconomic characteristics and digital infrastructure determinants of digital payment adoption in Ethiopia","authors":"Adino Andaregie , Gumataw Kifle Abebe , Prashant Gupta , Gardachew Worku , Hideyuki Matsumoto , Tessema Astatkie , Isao Takagi","doi":"10.1016/j.digbus.2024.100092","DOIUrl":"10.1016/j.digbus.2024.100092","url":null,"abstract":"<div><div>The COVID-19 pandemic has spurred a surge in digital payments, with over 40 % of adults in low- and middle-income countries making their first merchant payments using cards, phones, or the internet since the pandemic began. This study examines the determinants of adopting digital payments during the COVID-19 pandemic in Ethiopia. To achieve this objective, the study utilized secondary data from the World Bank's most recent dataset, collected as part of the Global Findex Database 2021. A Covariance Based-Structural Equation Modeling (CB-SEM) was applied to analyze the data and explore the intricate pathways between variables. The mediation role of the use of technological tools on the relationship between socio-economic factors and digital payment adoption was also examined. Accordingly, mobile ownership, having an ATM/Debit card, and internet access were the technological tools significantly determining digital payment adoption. Age, education, income quantile, receiving wage payment, and engagement in formal financial transactions (as a proxy for financial inclusion) were among the socio-economic characteristics influencing digital payment adoption. Engagement in formal financial inclusion, mobile ownership, having an ATM/Debit card, and internet access were also influenced by individuals' socio-economic characteristics. Mobile ownership, having an ATM/Debit card, internet access, and engagement in formal financial transactions were significant mediating factors in the relationship between digital payment and socio-economic predictors.</div></div>","PeriodicalId":100376,"journal":{"name":"Digital Business","volume":"4 2","pages":"Article 100092"},"PeriodicalIF":0.0,"publicationDate":"2024-10-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"142560711","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

Adoption of UPI among Indian users: Using extended meta-UTAUT model 印度用户对 UPI 的采用情况：使用扩展元 UTAUT 模型

Digital Business Pub Date : 2024-10-22 DOI: 10.1016/j.digbus.2024.100093

Mohammad Razi-ur-Rahim , Mustafa Raza Rabbani , Furquan Uddin , Zakir Hossen Shaikh

{"title":"Adoption of UPI among Indian users: Using extended meta-UTAUT model","authors":"Mohammad Razi-ur-Rahim , Mustafa Raza Rabbani , Furquan Uddin , Zakir Hossen Shaikh","doi":"10.1016/j.digbus.2024.100093","DOIUrl":"10.1016/j.digbus.2024.100093","url":null,"abstract":"<div><div>Unified Payments Interface (UPI) has grown rapidly in recent times. It has increased its user base, volume, and transaction value through a variety of mobile applications. Various models have been used to study the reasons for UPI adoption. Earlier studies neither measured ‘Use Behavior’ (UB) as the outcome variable nor examined the influence of attitude on UPI adoption behavior. This study fills the gap by integrating UB into the model and using the extended meta-UTAUT model to explore the UPI adoption behavior of Indian urban users. The model included four exogenous and three endogenous variables. The data were collected from 894 UPI urban users using the purposive sampling method. Covariance-Based Structural Equation Modeling (CB-SEM) was applied for hypotheses testing. The study explained 82.7 % and 84.1 % of the variance for attitude and use behavior, respectively. The results of this study found that performance expectancy significantly impacts use behavior; attitude significantly affects behavioral intention; and trust affects the attitude. The results of the study will be useful in improving the features of UPI so as to increase customer base. The findings will help in smoothly introducing Central Bank Digital Currency (CBDC) among urban masses in India. The results provide future research scope for moderation and mediation. A future study can also be carried out on Indian rural users.</div></div>","PeriodicalId":100376,"journal":{"name":"Digital Business","volume":"4 2","pages":"Article 100093"},"PeriodicalIF":0.0,"publicationDate":"2024-10-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"142527655","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

The polychotomy of NFT ownership: Motivational heterogeneity and underlying drivers NFT 所有权的多面性：动机异质性和潜在驱动因素

Digital Business Pub Date : 2024-10-04 DOI: 10.1016/j.digbus.2024.100091

Lennart Ante

引用次数: 0

Unravelling human-centric tensions towards Industry 5.0: Literature review, resolution strategies and research agenda 解开工业 5.0 以人为本的矛盾：文献综述、解决策略和研究议程

Digital Business Pub Date : 2024-09-20 DOI: 10.1016/j.digbus.2024.100090

Diego A. de J. Pacheco, Bartosz Iwaszczenko

{"title":"Unravelling human-centric tensions towards Industry 5.0: Literature review, resolution strategies and research agenda","authors":"Diego A. de J. Pacheco, Bartosz Iwaszczenko","doi":"10.1016/j.digbus.2024.100090","DOIUrl":"10.1016/j.digbus.2024.100090","url":null,"abstract":"<div><div>In recent years, heightened attention has been directed towards the emerging Industry 5.0 (I5.0) paradigm, advocating intelligent collaboration between human workers and machines to enhance efficiency, productivity, customization, and product quality in manufacturing. However, despite its potential to revolutionize current industrial practices, the I5.0 transition also imposes several known and unknown tensions that require attention for effective adaptation. This study aims to investigate the main human-centric tensions and resolution strategies in manufacturing arising in the transition towards I5.0. The research methodology developed a three-step approach. First, the study conducted a literature review of academic papers to gain insights into the human-centricity challenges arising from the adoption of I5.0. Second, based on these findings, we develop a theoretical framework that organizes these central human-centricity tensions in the manufacturing context, resulting in 20 tensions identified. The identified tensions are categorized into learning, organizing, belonging, performing and their interrelationships, according to the paradox theory. Third, based on the literature findings, the study develops a novel framework with resolution strategies to address these tensions. The findings show that salient tensions emerge mainly in dimensions such as automation, well-being, safety, education, and value creation. The study provides valuable insights for manufacturing companies in the preparation or I5.0 realization, emphasizing the pivotal roles of shop floor workers in the interaction with machines. The study provides valuable insights for both researchers and practitioners, representing a pioneering effort to understand the tensions and resolution strategies of I5.0 within the manufacturing environment.</div></div>","PeriodicalId":100376,"journal":{"name":"Digital Business","volume":"4 2","pages":"Article 100090"},"PeriodicalIF":0.0,"publicationDate":"2024-09-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"142323363","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

How does China's digital government construction affect enterprise exploratory innovation? Insights based on invention knowledge inertia 中国数字政府建设如何影响企业探索式创新？基于发明知识惯性的启示

Digital Business Pub Date : 2024-09-16 DOI: 10.1016/j.digbus.2024.100089

ZhaoShuai Ren , QiaoYi Gao , Tong Sun , Min Sun

{"title":"How does China's digital government construction affect enterprise exploratory innovation? Insights based on invention knowledge inertia","authors":"ZhaoShuai Ren , QiaoYi Gao , Tong Sun , Min Sun","doi":"10.1016/j.digbus.2024.100089","DOIUrl":"10.1016/j.digbus.2024.100089","url":null,"abstract":"<div><p>Today, digital governments are creating novel digital business environments to promote enterprise innovation. How can enterprises benefit from this while minimizing the risks of working with the digital government?</p><p>We explored this issue using data from China's1528 A-share firms over a decade. We find that China's digital government construction (<strong><em>DGC)</em></strong> significantly promotes firms' exploratory innovation <strong><em>(EI)</em></strong>. Moreover, the enterprise's invention knowledge inertia (<strong><em>IKI</em></strong>) is an important mediation to develop its exploratory innovation in response to the construction of digital government. However, during this process, whether enterprises can maintain low risk and continuously promote <strong><em>EI</em></strong> by leveraging <strong><em>IKI</em></strong> is moderated by the extent of knowledge openness within the senior leadership team (<strong>KOM</strong>). For instance, the diversified knowledge of executives with financial backgrounds weakens the <strong><em>DGC→IKI</em></strong>, and the effect is obvious in state-owned and high-tech enterprises. In contrast, knowledge without such backgrounds strengthens the <strong><em>IKI→EI</em></strong>.</p><p>This study provides valuable insights into government-enterprise cooperation, emphasizing the role of innovation knowledge inertia and clarifying the debate on whether knowledge inertia has a positive or negative impact on innovation.</p></div>","PeriodicalId":100376,"journal":{"name":"Digital Business","volume":"4 2","pages":"Article 100089"},"PeriodicalIF":0.0,"publicationDate":"2024-09-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.sciencedirect.com/science/article/pii/S2666954424000176/pdfft?md5=f777a2f8b94a6147de44c694ce4d20f3&pid=1-s2.0-S2666954424000176-main.pdf","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"142242278","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

Examining the dynamics of mobile banking app. Adoption during the COVID-19 pandemic: A digital shift in the crisis 研究移动银行应用程序的动态变化在 COVID-19 大流行期间的采用情况：危机中的数字化转变

Digital Business Pub Date : 2024-09-07 DOI: 10.1016/j.digbus.2024.100088

Mahfuzur Rahman , Hew Pow Yee , Md. Abdul Kaium Masud , Md. Uzir Hossain Uzir

{"title":"Examining the dynamics of mobile banking app. Adoption during the COVID-19 pandemic: A digital shift in the crisis","authors":"Mahfuzur Rahman , Hew Pow Yee , Md. Abdul Kaium Masud , Md. Uzir Hossain Uzir","doi":"10.1016/j.digbus.2024.100088","DOIUrl":"10.1016/j.digbus.2024.100088","url":null,"abstract":"<div><p>Mobile banking applications (apps) have become crucial in maintaining financial services accessibility during the COVID-19 pandemic. This study leverages the Unified Theory of Acceptance and Use of Technology (UTAUT) to examine Malaysian millennials' behavioral intentions toward mobile banking app adoption, aiming to aid banks in developing targeted strategies to expand their user base. Data collection was conducted from October 2020 to February 2021 during the peak of the COVID-19 pandemic. A survey was administered to 270 respondents using convenience and snowball sampling methods. The Sequential Least Square method was used for the analysis. Our findings reveal that performance expectancy, effort expectancy, trust, and personal innovativeness significantly influence mobile banking app adoption intentions, whereas social influence and facilitating conditions do not. Demographic factors also modulate these relationships to varying degrees. These insights contribute to theoretical discussions on technology adoption and offer practical guidance for banks looking to enhance their digital service offerings in a post-pandemic landscape. This study underscores the shifts in consumer behavior triggered by the pandemic and highlights the ongoing potential for digital banking growth in Malaysia.</p></div>","PeriodicalId":100376,"journal":{"name":"Digital Business","volume":"4 2","pages":"Article 100088"},"PeriodicalIF":0.0,"publicationDate":"2024-09-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.sciencedirect.com/science/article/pii/S2666954424000164/pdfft?md5=fe9254dbbd9bfe6ada84b411e2cc0c79&pid=1-s2.0-S2666954424000164-main.pdf","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"142230492","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0