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FinTech Development for Financial Inclusiveness最新文献

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Understanding FinTech and Decentralized Finance (DeFi) for Financial Inclusion 理解金融科技和去中心化金融(DeFi)对普惠金融的影响
FinTech Development for Financial Inclusiveness Pub Date : 1900-01-01 DOI: 10.4018/978-1-7998-8447-7.ch001
A. Popescu
{"title":"Understanding FinTech and Decentralized Finance (DeFi) for Financial Inclusion","authors":"A. Popescu","doi":"10.4018/978-1-7998-8447-7.ch001","DOIUrl":"https://doi.org/10.4018/978-1-7998-8447-7.ch001","url":null,"abstract":"For a very long period of time, financial inclusion researchers have been addressing the barriers that prevent unprivileged people from accessing and using financial services. Financial exclusion is an underlying social problem that dates from the creation of the first financial system. Without the access to the banking and financial infrastructures, the unbanked are perpetuating a vicious cycle of poverty. Blockchain is leading this transformation of allowing unbanked and underbanked people to have access and interact with the finance industry. The promise of a digital economy is starting to take shape, as financial technology (FinTech) companies are evolving the concept of democratization of access. Decentralized finance (DeFi) is expanding the possibilities of financial technology by creating an ecosystem based on transparency, accessibility, and efficiency. We are witnessing a paradigm shift for most of the financial services which are remodeling the accessibility and usability of these services, addressing the excluded and underserved population.","PeriodicalId":160939,"journal":{"name":"FinTech Development for Financial Inclusiveness","volume":"2 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123701590","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
Financial Technology as a Future Game-Changer 金融科技将改变未来游戏规则
FinTech Development for Financial Inclusiveness Pub Date : 1900-01-01 DOI: 10.4018/978-1-7998-8447-7.ch002
Nelson Lajuni, Avnner Chardles Wellfren, N. Abdullah, Salumah Nain
{"title":"Financial Technology as a Future Game-Changer","authors":"Nelson Lajuni, Avnner Chardles Wellfren, N. Abdullah, Salumah Nain","doi":"10.4018/978-1-7998-8447-7.ch002","DOIUrl":"https://doi.org/10.4018/978-1-7998-8447-7.ch002","url":null,"abstract":"Financial technology has emerged as a game-changer to complement and enhance how the Millennial and Generation Z conduct transactions. Responding to calls of prior research, this study used the unified theory of acceptance and use of technology (UTAUT) to understand how performance expectancy and effort expectancy factors influence consumers' intention to use financial technology. Performance expectancy (PE) and effort expectancy (EE) were investigated as exogenous variables towards the intention to use financial technology (FinTech) that act as endogenous variables in this study. The authors collected 284 Millennial and Generation Z respondents and analysed the data using PLS-SEM. The result from the study's structural model suggested that FinTech continuance use intention was dependent on performance expectancy and effort expectancy on engaging with young vibrant consumers and establishing attractive FinTech elements. In addition, Millennial and Generation Z consumers with a high-performance expectancy were found to emphasize FinTech components in the engagement process.","PeriodicalId":160939,"journal":{"name":"FinTech Development for Financial Inclusiveness","volume":"108 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114369364","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
Digital Wallet Ecosystem in Promoting Financial Inclusion 数字钱包生态系统促进普惠金融
FinTech Development for Financial Inclusiveness Pub Date : 1900-01-01 DOI: 10.4018/978-1-7998-8447-7.ch003
Siti NurulJannah Rosli, M F Anshari, M. Almunawar, Masairol Masri
{"title":"Digital Wallet Ecosystem in Promoting Financial Inclusion","authors":"Siti NurulJannah Rosli, M F Anshari, M. Almunawar, Masairol Masri","doi":"10.4018/978-1-7998-8447-7.ch003","DOIUrl":"https://doi.org/10.4018/978-1-7998-8447-7.ch003","url":null,"abstract":"Digital wallet is expanding largely driven by the evolution of internet and smartphone penetration. Numerous digital wallet providers have risen in many countries including Brunei Darussalam. However, the level of adoption is still low, and cashless society is still far from an expected target. There's no magic formula in deploying a guaranteed successful digital wallet, but developing a digital wallet ecosystem that is tailored to the local markets will be expected to increase digital culture and cashless society. The research assesses the existing digital wallet ecosystem, then analyses the extent of compatibility of local market demand. Furthermore, it introduces an improved digital wallet ecosystem model in order to support financial inclusion achieved through a holistic digital wallet ecosystem. The chapter also examines external factors that contribute to the digital wallet ecosystem's width of usage.","PeriodicalId":160939,"journal":{"name":"FinTech Development for Financial Inclusiveness","volume":"41 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130835603","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
Digital Financial Knowledge and Behavior of Generation Z in Indonesia 印度尼西亚Z世代的数字金融知识和行为
FinTech Development for Financial Inclusiveness Pub Date : 1900-01-01 DOI: 10.4018/978-1-7998-8447-7.ch007
Khairunnisa Musari, S. Hidayat
{"title":"Digital Financial Knowledge and Behavior of Generation Z in Indonesia","authors":"Khairunnisa Musari, S. Hidayat","doi":"10.4018/978-1-7998-8447-7.ch007","DOIUrl":"https://doi.org/10.4018/978-1-7998-8447-7.ch007","url":null,"abstract":"The Indonesian Population Census 2020 reported that the majority of Indonesia's population is in the productive age group and dominated by Generation Z (27.94%). As the generation that currently dominates the population, Generation Z's characteristics are important to learn. They are the future. Generation Z has the potency to accelerate Indonesia's financial inclusion through digitalization because they are adaptable to technology. Responding to the survey results which put Generation Z in Indonesia in the first rank for the levels of happiness and religious awareness, a survey was conducted for Islamic financial technology literacy to find out how they face challenges as well as opportunities in digital era to be in line with religious values and may accelerate financial inclusion. The great potential of Generation Z for technology as well as religious awareness in turn will support financial inclusion towards inclusive development in Indonesia. Hence, this chapter will describe the survey results of digital financial knowledge and behavior of Generation Z in Indonesia.","PeriodicalId":160939,"journal":{"name":"FinTech Development for Financial Inclusiveness","volume":"28 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123594161","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
Financial Inclusion, P2P Lending, and MSMEs 普惠金融、P2P借贷和中小微企业
FinTech Development for Financial Inclusiveness Pub Date : 1900-01-01 DOI: 10.4018/978-1-7998-8447-7.ch005
T. Tambunan
{"title":"Financial Inclusion, P2P Lending, and MSMEs","authors":"T. Tambunan","doi":"10.4018/978-1-7998-8447-7.ch005","DOIUrl":"https://doi.org/10.4018/978-1-7998-8447-7.ch005","url":null,"abstract":"In Indonesia after the Asian financial crisis of 1997–1998, wide reforms were carried out, and “inclusive” economic development were adopted. One component of inclusive economic development is “financial inclusion.” This implies an absence of barriers that might deter micro, small, and medium enterprises (MSMEs) from obtaining financial services. However, the portion of bank credit received by MSMEs is still small. Therefore, financial technology (FinTech) is welcome as an alternative source of funding for MSMEs. This chapter discusses three related issues, namely financial inclusion, MSMEs, and P2P lending. It concludes that Indonesia still has a long way to go to achieve full financial inclusion. This chapter suggests that with the presence of P2P lending, the number of MSMEs, especially MSEs, in Indonesia that have access to formal financing will increase. Even though aggregate data are not available, the interviews with a small number of owners of MSEs who received P2P loans suggest that the presence of P2P lending companies give some benefits for MSEs.","PeriodicalId":160939,"journal":{"name":"FinTech Development for Financial Inclusiveness","volume":"105 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132881703","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
An Overview of FinTech in Bangladesh 孟加拉金融科技概述
FinTech Development for Financial Inclusiveness Pub Date : 1900-01-01 DOI: 10.4018/978-1-7998-8447-7.ch006
Sheikh Abu Taher, M. Tsuji
{"title":"An Overview of FinTech in Bangladesh","authors":"Sheikh Abu Taher, M. Tsuji","doi":"10.4018/978-1-7998-8447-7.ch006","DOIUrl":"https://doi.org/10.4018/978-1-7998-8447-7.ch006","url":null,"abstract":"How the future financial industry is going to be reshaped by technological innovations is now a concern. Financial technology (FinTech), a much-discussed topic around the globe, is changing the overall financial system. The trend is not an exception in developing countries like Bangladesh. In this chapter, the authors aim to explore the current state of FinTech in Bangladesh in light with the possible challenges for growth, opportunities, and future prospects. The growth of FinTech helps a large percentage of people to become banked or has given possible access to formal finance. For having access to finance, high rate of mobile phone penetration, smooth mobile internet access, and high cost of access to formal finance are some factors that have enhanced FinTech penetration in Bangladesh for the past few years. In line with the given prospects, there are problems too. Therefore, using an in-depth study, this research addresses those issues, provides recommendations, and looks for possible solutions for the smooth operation of FinTech in Bangladesh.","PeriodicalId":160939,"journal":{"name":"FinTech Development for Financial Inclusiveness","volume":"217 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124283903","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: 1
Securing Financial Inclusiveness Adoption of Blockchain FinTech Compliance 确保金融包容性采用区块链金融科技合规
FinTech Development for Financial Inclusiveness Pub Date : 1900-01-01 DOI: 10.4018/978-1-7998-8447-7.ch010
H. Susanto, Fahmi Ibrahim, Rodiah, D. Rosiyadi, Desi Setiana, Alifya Kayla Shafa Susanto, Nicolas Kusuma, Iwan Setiawan
{"title":"Securing Financial Inclusiveness Adoption of Blockchain FinTech Compliance","authors":"H. Susanto, Fahmi Ibrahim, Rodiah, D. Rosiyadi, Desi Setiana, Alifya Kayla Shafa Susanto, Nicolas Kusuma, Iwan Setiawan","doi":"10.4018/978-1-7998-8447-7.ch010","DOIUrl":"https://doi.org/10.4018/978-1-7998-8447-7.ch010","url":null,"abstract":"Financial technology (FinTech) as part of financial inlcussion changes conventional business models to be information technology minded. The presence of FinTech in the wider community makes it easy for access to financial service products and transactions and payment systems more practically, efficiently, and economically. Unfortunately, as the security risk in transacting increases, cyber security in the financial services industry and FinTech service providers is considered a major target by cybercriminals. This study proposed a security management approach through hybrid blockchain method implemented through flask framework and encryption to protect transaction data. The results are promising. Referring to accuracy, this study successfully reduces data leakage and misuse of personal data and financial data in FinTechs.","PeriodicalId":160939,"journal":{"name":"FinTech Development for Financial Inclusiveness","volume":"109 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114901704","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: 1
The Challenges of FinTech Inclusion and Digitization of SMEs in Indonesia 印尼中小企业金融科技包容性和数字化的挑战
FinTech Development for Financial Inclusiveness Pub Date : 1900-01-01 DOI: 10.4018/978-1-7998-8447-7.ch008
Syafrizal Helmi Situmorang
{"title":"The Challenges of FinTech Inclusion and Digitization of SMEs in Indonesia","authors":"Syafrizal Helmi Situmorang","doi":"10.4018/978-1-7998-8447-7.ch008","DOIUrl":"https://doi.org/10.4018/978-1-7998-8447-7.ch008","url":null,"abstract":"The COVID-19 pandemic has changed people's digital behavior and caused giant leaps in various digital businesses. SMEs face various challenging factors in the transformation of their business into a digital ecosystem. Currently, Indonesia is the country with the fastest-growing digital economy and FinTech in ASEAN. Fintech plays a vital role in the digital economy, especially helping SMEs go digital and accelerate their business performance, such as venture capital financing, digital payment services, and financial arrangements. However, the role of fintech has not been maximized in increasing financial inclusion. There are still various obstacles and challenges such as technology adoption, financial literacy, digital literacy, financial inclusion, and fintech inclusion, and various program efforts from all stakeholders to bring SMEs into the digital ecosystem. Without cooperation, increasing financial literacy and financial inclusion and fintech inclusion will be challenging to achieve.","PeriodicalId":160939,"journal":{"name":"FinTech Development for Financial Inclusiveness","volume":"145 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126776222","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
Crafting Strategies of Security Breaches 制定安全漏洞策略
FinTech Development for Financial Inclusiveness Pub Date : 1900-01-01 DOI: 10.4018/978-1-7998-8447-7.ch012
H. Susanto, N. Mardhiah, Alifya Kayla Shafa Susanto
{"title":"Crafting Strategies of Security Breaches","authors":"H. Susanto, N. Mardhiah, Alifya Kayla Shafa Susanto","doi":"10.4018/978-1-7998-8447-7.ch012","DOIUrl":"https://doi.org/10.4018/978-1-7998-8447-7.ch012","url":null,"abstract":"In recent years, the number of financial technology players and users have increased at a significant rate due to the rapid technological advancement in financial technology. While smart devices are providing more useful features to users, they have also made it possible for cyber threats to migrate from desktops to smart devices. Thus, it is important for smart device users to be aware that their device could be exposed to cyber threats and that users could protect their devices by employing data-centric cyber security measures. This study reveals how financial technology business model responded to the breach phenomenon by employing data-centric protection approaches. The result is very interesting. Data-centric security is very needed as it is capable of protecting data as a whole. It provides a gapless protection, meaning to say, the data are encrypted and classified wherever it moves. With persistent protection and cross-platform operability, data-centric security will eliminate gaps and keep data protected.","PeriodicalId":160939,"journal":{"name":"FinTech Development for Financial Inclusiveness","volume":"12383 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"117347886","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
Financial Inclusion and Mobile Payment to Empower Small and Medium-Sized Enterprises 普惠金融和移动支付为中小企业赋权
FinTech Development for Financial Inclusiveness Pub Date : 1900-01-01 DOI: 10.4018/978-1-7998-8447-7.ch004
Mia Fithriyah, Masairol Masri, M. Almunawar, M F Anshari
{"title":"Financial Inclusion and Mobile Payment to Empower Small and Medium-Sized Enterprises","authors":"Mia Fithriyah, Masairol Masri, M. Almunawar, M F Anshari","doi":"10.4018/978-1-7998-8447-7.ch004","DOIUrl":"https://doi.org/10.4018/978-1-7998-8447-7.ch004","url":null,"abstract":"Despite the increasing adoption of financial technology (FinTech) and the need for secure payment methods, mobile payments as a mode of settling daily business transactions have not received sufficient attention. To date, several business actors prefer to use conventional money payment modes. However, it is apparent that the need for a more effective payment method today is considered as a basic necessity, considering the current complexity of consumers and the negative effect of COVID-19. Moreover, the crisis raised a wave of apprehension over a large number of business actors, particularly small and medium-size enterprises (SMEs). The literature search indicated that the government should implement the correct policy to help create an acceptable environment for financial transactions for both the user and providers. It is also necessary to ensure that client security and privacy rights are protected during the mobile payment transactions.","PeriodicalId":160939,"journal":{"name":"FinTech Development for Financial Inclusiveness","volume":"107 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114272207","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
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