Digital Business最新文献_第5页

FinTech and SMEs financing: A systematic literature review and bibliometric analysis 金融科技与中小企业融资:系统文献综述与文献计量分析

Digital Business Pub Date : 2023-10-10 DOI: 10.1016/j.digbus.2023.100067

Bahati Sanga , Meshach Aziakpono

{"title":"FinTech and SMEs financing: A systematic literature review and bibliometric analysis","authors":"Bahati Sanga , Meshach Aziakpono","doi":"10.1016/j.digbus.2023.100067","DOIUrl":"https://doi.org/10.1016/j.digbus.2023.100067","url":null,"abstract":"<div><p>Small and medium-sized enterprises (SMEs) face obstacles in raising capital and accessing financial services due to information asymmetry, high transaction costs and lack of collateral. FinTech developments have made gathering and sharing information easier, changed how funds are mobilized and allocated, and increased capital-raising activities. This paper conducts a systematic literature review on FinTech and SME financing for the period 2008–2022. So far there are unstructured and separate publications on this topic. Therefore, there is a need to consolidate the empirical research and their findings on the effectiveness of FinTech in meeting SMEs' financing needs. The bibliometric findings show that few studies on FinTech and SME financing are empirical in nature. These empirical studies surged a decade later after FinTech 3.0 started in 2008, with the majority of them using quantitative methods based on data from surveys and FinTech platforms. Furthermore, emerging alternative digital financing to SMEs have attracted more empirical studies than those on FinTech and bank lending to SMEs. In terms of publications, China is dominating, followed by the United States. The content analysis shows that FinTech has increased the ability of financial and non-financial institutions to collect and process accurate information about SMEs, thus reducing information asymmetry and transaction costs. FinTech has also increased the speed and quality of the lending cycle, from establishing an SME pipeline, collecting and processing information, to loan screening, monitoring and repayment. Finally, the paper presents research gaps and areas for future studies, challenges and policy recommendations on this novel subject.</p></div>","PeriodicalId":100376,"journal":{"name":"Digital Business","volume":"3 2","pages":"Article 100067"},"PeriodicalIF":0.0,"publicationDate":"2023-10-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"49713468","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

Does taxation of digital financial services adversely affect the financial inclusion agenda? Lessons from a developing country 对数字金融服务征税是否会对普惠金融议程产生不利影响?发展中国家的经验教训

Digital Business Pub Date : 2023-08-29 DOI: 10.1016/j.digbus.2023.100066

Frederick Pobee , Abdul Bashiru Jibril , Emmanuel Owusu-Oware

{"title":"Does taxation of digital financial services adversely affect the financial inclusion agenda? Lessons from a developing country","authors":"Frederick Pobee , Abdul Bashiru Jibril , Emmanuel Owusu-Oware","doi":"10.1016/j.digbus.2023.100066","DOIUrl":"https://doi.org/10.1016/j.digbus.2023.100066","url":null,"abstract":"<div><p>Despite strong evidence of the critical role of mobile money technology in deepening financial inclusion, the impact of taxing mobile money transactions on digital and financial inclusion remains an unexplored area of research. By drawing on the Unified Theory of Acceptance and Use of Technology model, this research presents a rich insight into the determinants of mobile money adoption and the moderating effect of taxation (e-levy) on mobile money adoption. The purposive data sampling technique was employed to collect data from 287 mobile money users. The structural equation modeling – partial least square method was applied to test the hypotheses of this study. The findings show that performance expectancy, effort expectancy, social influence, and facilitating conditions significantly influence behavioral intention. Consequently, behavioral intention shows a significant relationship with the actual use of mobile money. Furthermore, regarding the moderating effect of taxation, the findings show that taxation negatively and significantly influences the actual use of mobile money. Finally, the implications of the results to tax policymakers (government) and mobile money operators have been discussed.</p></div>","PeriodicalId":100376,"journal":{"name":"Digital Business","volume":"3 2","pages":"Article 100066"},"PeriodicalIF":0.0,"publicationDate":"2023-08-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"49713488","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

M-banking adoption from the developing countries perspective: A mediated model 发展中国家视角下的移动银行采用:一个中介模型

Digital Business Pub Date : 2023-06-22 DOI: 10.1016/j.digbus.2023.100065

Hela Ben Abdennebi

引用次数: 0

Satellite fans engagement with social networking sites influence on sport team brand equity: A UGT perspective 卫星球迷与社交网站的互动对运动队品牌资产的影响：UGT视角

Digital Business Pub Date : 2023-06-19 DOI: 10.1016/j.digbus.2023.100064

Daniel Kofi Ahiabor , John Paul Basewe Kosiba , Deli Dotse Gli , Ernest Yaw Tweneboah-Koduah , Robert Ebo Hinson

引用次数: 2

Assortments and prices in online grocery retailing 网上杂货零售的分类和价格

Digital Business Pub Date : 2023-06-01 DOI: 10.1016/j.digbus.2023.100054

Svetlana Fedoseeva , Roland Herrmann

引用次数: 0

Dynamics of flexible work and digital platforms: Task and spatial flexibility in the platform economy 灵活工作和数字平台的动态:平台经济中的任务和空间灵活性

Digital Business Pub Date : 2023-06-01 DOI: 10.1016/j.digbus.2022.100052

Michael Dunn , Isabel Munoz , Mohammad Hossein Jarrahi

引用次数: 5

What pivot is: Touching an elephant in the dark 什么是支点:摸黑摸大象

Digital Business Pub Date : 2023-06-01 DOI: 10.1016/j.digbus.2023.100056

Ayoob Sadeghiani , Alistair Anderson

引用次数: 0

User experience key performance indicators for industrial IoT systems: A multivocal literature review 工业物联网系统的用户体验关键绩效指标:多语种文献综述

Digital Business Pub Date : 2023-06-01 DOI: 10.1016/j.digbus.2023.100057

Adam Trendowicz, Eduard C. Groen, Jens Henningsen, Julien Siebert, Nedo Bartels, Sven Storck, Thomas Kuhn

{"title":"User experience key performance indicators for industrial IoT systems: A multivocal literature review","authors":"Adam Trendowicz, Eduard C. Groen, Jens Henningsen, Julien Siebert, Nedo Bartels, Sven Storck, Thomas Kuhn","doi":"10.1016/j.digbus.2023.100057","DOIUrl":"https://doi.org/10.1016/j.digbus.2023.100057","url":null,"abstract":"<div><p>In software systems, user experience (UX) is a quality that provides value to its intended users. Therefore, we consider it critical to manage UX and its link to business value quantitatively. Key performance indicators (KPIs) have been widely adopted for objectively measuring factors that influence business success, including measuring UX characteristics and their business contribution in the context of software systems in general. Yet, measuring UX in the context of complex Internet of Things (IoT) systems, especially Industrial IoT (IIoT) systems, remains a challenge.</p><p>This paper presents a multivocal literature review (MLR) of the UX-KPIs proposed in the context of (I)IoT systems, along with factors influencing UX and challenges of quantifying UX. We investigate the status quo and derive recommendations for measuring the UX of (I)IoT systems.</p><p>Our analysis of 64 publications shows that UX has so far received relatively little attention in the context of (I)IoT. Although we identified 605 KPIs, 78 influencing factors, and 119 challenges, most of the UX features discussed were defined in a broader context of software systems, i.e., they were less specific to IoT, but rather focused on universal system quality characteristics such as functional suitability, performance efficiency, usability, and reliability.</p><p>Finally, no generally accepted approach for measuring UX in (I)IoT systems and how these contribute to the overall business value has been proposed yet. We also found little evidence that improving UX or achieving a good UX currently plays an explicit role in the design and development of IoT systems.</p></div>","PeriodicalId":100376,"journal":{"name":"Digital Business","volume":"3 1","pages":"Article 100057"},"PeriodicalIF":0.0,"publicationDate":"2023-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"49715396","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 6

Managerial capabilities as facilitators of digital transformation? Dynamic managerial capabilities as antecedents to digital business model transformation and firm performance 作为数字化转型推动者的管理能力?动态管理能力是数字化商业模式转型和企业绩效的先决条件

Digital Business Pub Date : 2023-06-01 DOI: 10.1016/j.digbus.2023.100053

Tim Heubeck

{"title":"Managerial capabilities as facilitators of digital transformation? Dynamic managerial capabilities as antecedents to digital business model transformation and firm performance","authors":"Tim Heubeck","doi":"10.1016/j.digbus.2023.100053","DOIUrl":"https://doi.org/10.1016/j.digbus.2023.100053","url":null,"abstract":"<div><p>Digital business model transformation (DBMT) necessitates new managerial capabilities, yet the existing literature lacks an empirical understanding of managerial capabilities as antecedents to strategic change and firm performance. This paper builds on dynamic managerial capabilities theory to argue that managerial human capital—composed of leadership and entrepreneurial skills—is a critical facilitator of DBMT and resultant firm performance. Further, the research model proposes that managers' social capital and cognition positively moderate the relationship between human capital and DBMT. The study's findings from a sample of German Industry 4.0 firms provide new insights into the significance of managerial capabilities in a digital economy. This study advances management literature by demonstrating that the benefits of managers' human capital for DBMT are contingent on its form: entrepreneurial skills facilitate digital transformation integral for firm performance, while leadership skills have no impact on firm performance—neither directly nor indirectly through DBMT. Thus, this study provides strong evidence of the importance of entrepreneurial skills in driving DBMT to increase firm performance. Further, the findings offer a nuanced account of the interrelationships between dynamic managerial capabilities, revealing that higher levels of social capital and lower levels of cognition increase the positive effect of entrepreneurial skills on DBMT. This study altogether reaffirms the significance of managers' dynamic capabilities for strategic change enabled by DBMT and their performance benefits, yet it reveals that the effect mechanisms differ from those found in nondigital research settings.</p></div>","PeriodicalId":100376,"journal":{"name":"Digital Business","volume":"3 1","pages":"Article 100053"},"PeriodicalIF":0.0,"publicationDate":"2023-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"49715746","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 14

Exploring API-driven business models: Lessons learned from Amadeus's digital transformation 探索api驱动的商业模式:Amadeus数字化转型的经验教训

Digital Business Pub Date : 2023-06-01 DOI: 10.1016/j.digbus.2023.100055

Saeid Heshmatisafa, Marko Seppänen

{"title":"Exploring API-driven business models: Lessons learned from Amadeus's digital transformation","authors":"Saeid Heshmatisafa, Marko Seppänen","doi":"10.1016/j.digbus.2023.100055","DOIUrl":"https://doi.org/10.1016/j.digbus.2023.100055","url":null,"abstract":"<div><p>Digital transformation compels companies to seek new strategies and business models, allowing firms to find new ways to create and capture value. APIs have been widely used in improving internal processes and have been opened up recently to third-party developers to enable innovations in digital ecosystems. However, few studies have documented success stories of value generation through employing public APIs and thus enabling new, API-driven business models. This single case study examined the digital transformation in one of the leading organizations of the travel industry, Amadeus Corporation. Publicly available documents and other gray literature were used as data for content analysis. The results show how Amadeus has transformed its business model into an API-driven business model. This study contributes to the literature on API-driven business models by demonstrating the implication of APIs as a strategic tool in value co-creation. We identified six different values that were generated by exposing digital assets to API consumers through the API-driven business models of self-service platforms: commercialization, ecosystem, big data, market and marketplace, entrepreneurship, and R&D.</p></div>","PeriodicalId":100376,"journal":{"name":"Digital Business","volume":"3 1","pages":"Article 100055"},"PeriodicalIF":0.0,"publicationDate":"2023-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"49715753","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 2