Digital Business最新文献_第6页

Internet of Things on Banking Processes in South Africa: A Systematic Reflection on Innovations, Opportunities and Challenges 南非银行流程中的物联网：对创新、机遇和挑战的系统反思

Digital Business Pub Date : 2025-06-01 Epub 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":"2025-06-01","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

The new digital economy: How decentralized finance (DeFi) and non-fungible tokens (NFTs) are transforming value creation, ownership models, and economic systems 新数字经济：去中心化金融（DeFi）和不可替代代币（nft）如何改变价值创造、所有权模式和经济体系

Digital Business Pub Date : 2025-06-01 Epub Date: 2024-10-29 DOI: 10.1016/j.digbus.2024.100094

Lennart Ante , Ingo Fiedler

引用次数: 0

Explicating transcendental factors for viable digital business: Towards an explanatory model for digital start-up emergence 数字商业可行的先验因素解释：数字创业出现的解释模型

Digital Business Pub Date : 2025-06-01 Epub Date: 2024-12-24 DOI: 10.1016/j.digbus.2024.100100

Emmanuel Okoro Ajah

{"title":"Explicating transcendental factors for viable digital business: Towards an explanatory model for digital start-up emergence","authors":"Emmanuel Okoro Ajah","doi":"10.1016/j.digbus.2024.100100","DOIUrl":"10.1016/j.digbus.2024.100100","url":null,"abstract":"<div><div>Digital start-ups leverage the power of large datasets, cloud computing, and digital technology-driven platforms to maintain a competitive edge in the entrepreneurial landscape. As a result, digital technology is a crucial tool for creating successful digital businesses. However, our knowledge of the causal interplay in digital start-up development remains limited as current literature contains few studies that focus on conceptualising and theorising the emergence of digital start-ups. Some scholars emphasise the need for new empirical research to theoretically deepen our understanding of the factors contributing to digital start-up emergence. In response, this study adopts liminality theory, enactment theory, and technology affordance theory to explain the underlying factors that drive the emergence of digital start-ups. The researcher uses a critical realist single case study methodology to explore various narratives of digital start-up founders within Nigeria's digital start-up ecosystem. The findings of this study identify the underlying mechanisms activated by digital platform boundary resources and the surrounding environmental structures and conditions. These mechanisms are integral to the events that lead to the formation of a digital start-up. The study advances the literature on digital business by developing a mechanisms-based theoretical model that outlines structures, enabling conditions, and generative mechanisms as transcendental factors. Ultimately, this study offers a detailed account of how digital platforms can facilitate digital business development. Notably, the mechanisms-based model is unique in its adaptability to different environmental circumstances and allows for flexible interpretation. This quality provides a foundation for empirical validation across various contexts, ensuring analytical generalisation.</div></div>","PeriodicalId":100376,"journal":{"name":"Digital Business","volume":"5 1","pages":"Article 100100"},"PeriodicalIF":0.0,"publicationDate":"2025-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"143166127","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 development of a blockchain-based business model simulator with an application to civic medical data management 开发基于区块链的商业模型模拟器，并应用于公民医疗数据管理

Digital Business Pub Date : 2025-06-01 Epub Date: 2025-03-13 DOI: 10.1016/j.digbus.2025.100112

James Cunningham , Nigel Davies , Sarah Devaney , Mike Harding , Søren Holm , Victoria Neumann , John Ainsworth

引用次数: 0

Emerging dimensions in Fintech: Insights from bibliometric analysis 金融科技的新兴维度：来自文献计量分析的见解

Digital Business Pub Date : 2025-06-01 Epub Date: 2025-02-20 DOI: 10.1016/j.digbus.2025.100113

Mahak Sethi , Narendra Singh Bohra , Amar Johri , Mohammad Asif

{"title":"Emerging dimensions in Fintech: Insights from bibliometric analysis","authors":"Mahak Sethi , Narendra Singh Bohra , Amar Johri , Mohammad Asif","doi":"10.1016/j.digbus.2025.100113","DOIUrl":"10.1016/j.digbus.2025.100113","url":null,"abstract":"<div><div>Fintech has emerged as a transformative force in the financial industry, promoting inclusivity and efficiency. This study aims to conduct a comprehensive bibliometric analysis of 1416 articles sourced from the Scopus database to map the evolution of fintech research. Employing the PRISMA methodology and VOS viewer software, we identify influential authors, key citations, and leading journals in this domain. Our findings indicate a significant increase in fintech research output since 2015, with China and the UK being the foremost contributors. Notably, the UK leads with the highest average citations per article, underscoring its research quality. Prominent journals identified include <em>Sustainability (Switzerland)</em> and <em>IEEE Access</em>. Despite this growth, our analysis reveals critical gaps in literature regarding financial inclusion, digital finance, and sustainability, which are vital for serving underbanked populations and advancing green finance initiatives. Furthermore, research on emerging technologies such as AI, blockchain, and robo-advisors remains limited, presenting substantial opportunities for future exploration. This study highlights the globalization of fintech research through contributions from diverse countries and outlines key trends shaping the field. It not only assesses the current landscape but also raises pertinent research questions to guide future investigations. While limited to articles from Scopus, this analysis serves as a crucial roadmap for future research directions.</div></div>","PeriodicalId":100376,"journal":{"name":"Digital Business","volume":"5 1","pages":"Article 100113"},"PeriodicalIF":0.0,"publicationDate":"2025-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"143562016","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

Signaling competence of agricultural businesses through social media presence to attract gen Z 通过社交媒体展示农业企业的竞争力，吸引Z世代

Digital Business Pub Date : 2025-06-01 Epub Date: 2025-03-22 DOI: 10.1016/j.digbus.2025.100117

Anggraeni Pranandari, Widya Paramita

{"title":"Signaling competence of agricultural businesses through social media presence to attract gen Z","authors":"Anggraeni Pranandari, Widya Paramita","doi":"10.1016/j.digbus.2025.100117","DOIUrl":"10.1016/j.digbus.2025.100117","url":null,"abstract":"<div><div>The lack of interest for young generations in working in the agricultural sector has been threatening the sustainability of agriculture and food provision. One of the reasons is the low competence stereotype assigned by young people to agricultural jobs, as the job in this sector requires no specific skills, a minimum educational background, is associated with old people, and is not prestigious. Based upon the stereotype content model, this research aims to examine whether the use of social media for agricultural businesses can increase their attractiveness for the younger generation through an improved competence stereotype. An online survey was distributed to Indonesian members of Generation Z who were aware of the presence of agricultural businesses in their country. About 376 data units were collected and analyzed using the moderated mediation model in Hayes' PROCESS Macro. The findings indicate that the use of social media improves the perceived competence of an agricultural business, subsequently fostering an intention among Generation Z members to apply for jobs in such businesses. Although the moderating role of self-efficacy is not significant, for individuals with low (high) self-efficacy, the adoption of social media decreases (increases) their intention to apply for jobs in the agricultural sector. Therefore, social media adoption has the potential to filter younger people who are talented and capable of working in agricultural businesses.</div></div>","PeriodicalId":100376,"journal":{"name":"Digital Business","volume":"5 1","pages":"Article 100117"},"PeriodicalIF":0.0,"publicationDate":"2025-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"143704148","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

Realising value from big data analytics: The process of affordance actualisation 从大数据分析中实现价值：功能实现的过程

Digital Business Pub Date : 2025-06-01 Epub Date: 2025-01-30 DOI: 10.1016/j.digbus.2025.100108

Firdous Mohd Farouk , Christophe Schinckus , Sandra Smith

{"title":"Realising value from big data analytics: The process of affordance actualisation","authors":"Firdous Mohd Farouk , Christophe Schinckus , Sandra Smith","doi":"10.1016/j.digbus.2025.100108","DOIUrl":"10.1016/j.digbus.2025.100108","url":null,"abstract":"<div><div>Recent developments in big data analytics (BDA) enable financial institutions to optimize their decision-making processes. However, many BDA projects fail due to a lack of understanding of the value related to the realisation process. Guided by affordance actualisation theory, this article uses a critical realist case study approach to examine BDA affordance actualisation in a Malaysian-owned regional bank. Data collection involved an online survey, semi-structured interviews, and archival reviews. Using four BDA affordances specific to the banking industry, along with contextual mechanisms shaping organisational actions, interactions, and structures, our study highlights the importance the process of building BDA capabilities to realise BDA value. By highlighting the iterative and dynamic nature of the affordance actualisation process, this research extends theoretical insights into how organisations build BDA capabilities to realise value.This multi-layered research provides practitioners in banking and other sectors with actionable insights to enhance BDA implementation and realise its potential value.</div></div>","PeriodicalId":100376,"journal":{"name":"Digital Business","volume":"5 1","pages":"Article 100108"},"PeriodicalIF":0.0,"publicationDate":"2025-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"143349255","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 role of blockchain and public-private partnerships in design and deployment of blockchain-enabled CBDC 研究区块链和公私伙伴关系在设计和部署支持区块链的CBDC中的作用

Digital Business Pub Date : 2025-06-01 Epub Date: 2025-02-17 DOI: 10.1016/j.digbus.2025.100111

Mushtaq Ahmad Shah, Navneet Raj

{"title":"Examining the role of blockchain and public-private partnerships in design and deployment of blockchain-enabled CBDC","authors":"Mushtaq Ahmad Shah, Navneet Raj","doi":"10.1016/j.digbus.2025.100111","DOIUrl":"10.1016/j.digbus.2025.100111","url":null,"abstract":"<div><div>The purpose of this study is to examine how blockchain technology with public-private partnerships (PPPs) can mitigate the challenges in design and deployment of Central Bank Digital Currencies (CBDCs). The study employs a quantitative approach, incorporating data from stakeholders through a questionnaire survey and an analysis of existing CBDC literature. The Kruskal-Wallis test is used to analyse survey data, collected from stakeholders, from financial institutions, technological businesses, and academia. The findings highlight the significance of embracing blockchain technology to improve CBDC security, scalability, and operational efficiency. Blockchain's solid framework and cybersecurity characteristics are critical for ensuring the integrity and trustworthiness of digital currency. Furthermore, the paper emphasizes the need of PPPs in driving innovation, building regulatory frameworks, and encouraging public education. These collaborations are critical for overcoming both technological and regulatory hurdles in CBDC deployment. The results highlight the need for balanced collaboration between the public and private sectors to successfully handle these difficulties, while employing blockchain technology to overcome execution constraints. In order to overcome impediments and guarantee the long-term survival and success of CBDCs, stakeholders must collaborate fairly and with openness. This study gives decision-makers and stakeholders insights into the opportunities and collaboration strategies for blockchain-enabled CBDCs.</div></div>","PeriodicalId":100376,"journal":{"name":"Digital Business","volume":"5 1","pages":"Article 100111"},"PeriodicalIF":0.0,"publicationDate":"2025-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"143487944","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

Banking digitalization in Spain: How branch closures and digital barriers reshape financial inclusion 西班牙银行业数字化：分行关闭和数字障碍如何重塑普惠金融

Digital Business Pub Date : 2025-06-01 Epub Date: 2025-04-04 DOI: 10.1016/j.digbus.2025.100119

Carlos Martínez de Ibarreta , Aurora Ruíz-Rúa , Covadonga Gijón , Fernando Fernández-Bonilla

{"title":"Banking digitalization in Spain: How branch closures and digital barriers reshape financial inclusion","authors":"Carlos Martínez de Ibarreta , Aurora Ruíz-Rúa , Covadonga Gijón , Fernando Fernández-Bonilla","doi":"10.1016/j.digbus.2025.100119","DOIUrl":"10.1016/j.digbus.2025.100119","url":null,"abstract":"<div><div>This paper examines the impact of banking digitalization in Spain, focusing on the consequences of branch closures and digital barriers for financial inclusion. Using panel data from the Survey on Equipment and Use of Information and Communication Technologies in Households (2017–2021), a logit model with random effects is estimated to analyse the determinants of e-banking adoption. The findings reveal that a lower density of bank branches per 1000 inhabitants significantly increases the propensity to use e-banking. However, digital financial inclusion remains uneven, with age, digital skills, gender, and geographic location playing critical roles in adoption patterns. While the COVID-19 pandemic accelerated e-banking uptake, structural inequalities persist, particularly among older adults and rural populations. Additionally, despite rising e-banking adoption, engagement with advanced digital financial services (e.g., stock trading, insurance, loans) remains limited, suggesting that digital financial literacy gaps continue to hinder full participation in digital banking. These findings highlight the need for targeted financial education programs, improved digital infrastructure, and hybrid banking models that ensure accessibility for vulnerable populations.</div></div>","PeriodicalId":100376,"journal":{"name":"Digital Business","volume":"5 1","pages":"Article 100119"},"PeriodicalIF":0.0,"publicationDate":"2025-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"143791997","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 agency alliances with complementors moderate quality assurance, product originality, and success in platform ecosystems 在平台生态系统中，与互补机构的联盟如何缓和质量保证、产品原创性和成功

Digital Business Pub Date : 2025-06-01 Epub Date: 2025-03-27 DOI: 10.1016/j.digbus.2025.100118

JiYu Kim , Jaesun Yeom , Han-Gyun Woo

{"title":"How agency alliances with complementors moderate quality assurance, product originality, and success in platform ecosystems","authors":"JiYu Kim , Jaesun Yeom , Han-Gyun Woo","doi":"10.1016/j.digbus.2025.100118","DOIUrl":"10.1016/j.digbus.2025.100118","url":null,"abstract":"<div><div>Previous research on platform ecosystems has mainly focused on the relationships between users, complementors, and platform owners. However, the growing presence of agencies within platform-based markets has received little attention. Complementors are affiliated with an agency or work independently when offering products on a platform-based market. This study investigates the impact of agency affiliation on complementor success and explores how this relationship is influenced by product quality assurance and originality. Using a panel dataset of 188 mobile game applications from Google Play, we employ Generalized Least Squares (GLS) estimation to analyze agency alliance direct and moderating effects on complementor performance. Our findings indicate that an agency alliance is positively associated with complementor performance. However, it is better to work independently when complementors are capable of developing products that can differentiate themselves from competitors. This study contributes to the literature by shedding light on agencies' role as intermediaries within platform ecosystems and expands our understanding of platform dynamics.</div></div>","PeriodicalId":100376,"journal":{"name":"Digital Business","volume":"5 1","pages":"Article 100118"},"PeriodicalIF":0.0,"publicationDate":"2025-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"143759996","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