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Does COVID-19 influence to reshape the banking habits of the individual An empirical investigation COVID-19是否会影响重塑个人的银行习惯
International Journal of Electronic Finance Pub Date : 2022-01-01 DOI: 10.1504/ijef.2022.10047622
D. Biswas, Sudarshan Maity, T. N. Sahu
{"title":"Does COVID-19 influence to reshape the banking habits of the individual An empirical investigation","authors":"D. Biswas, Sudarshan Maity, T. N. Sahu","doi":"10.1504/ijef.2022.10047622","DOIUrl":"https://doi.org/10.1504/ijef.2022.10047622","url":null,"abstract":"The COVID-19 pandemic outbreak has generated anxieties in many sectors thereby shrinking the economy globally. The rigorous lockdown regulations in India affect all the aspects of the country’s economy at a galloping speed. The present study investigates how the pandemic changes the banking habits among people from physical mode to digital mode. The study takes into account 400 customers from West Bengal, India of different commercial banks. The study investigates the results with the application of Wilcoxon sign test, effect size test, Kruskal-Wallis test, etc. The study finds that there is a significant change of banking habits from physical mode to digital mode during the pandemic time. Though the pandemic has not significantly changed the banking habits of rural and female customers and further acceptance of digital banking significantly differs among several customers’ age groups. Copyright © 2022 Inderscience Enterprises Ltd.","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"66755900","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
COVID-19 crisis – an opportunity for mainstreaming digital financial transactions 2019冠状病毒病危机——数字金融交易主流化的机遇
International Journal of Electronic Finance Pub Date : 2022-01-01 DOI: 10.1504/ijef.2022.10048757
K. Singh, S. Malik
{"title":"COVID-19 crisis – an opportunity for mainstreaming digital financial transactions","authors":"K. Singh, S. Malik","doi":"10.1504/ijef.2022.10048757","DOIUrl":"https://doi.org/10.1504/ijef.2022.10048757","url":null,"abstract":"Digital financial transactions, in comparison to in-cash transactions, provide an efficient and time saving option. Considering the significance of digital financial transactions in the present scenario of the COVID-19 crisis, this study has twin objectives: firstly, to examine the use of digital financial transactions in COVID-19 and secondly, to explore the existence of any relationship between financial literacy and the use of digital financial transactions, especially by low-income groups in India. This study uses secondary data from authorised and government sources for the analysis of the research objectives. Logistic regression model was deployed on National Centre for Financial Education (NCFE) (2019) survey data of around 36,600 low-income group to interpret the relationship between financial literacy and digital financial transactions. The analysis of the data suggested that financial literacy was significant in positively affecting digital financial transactions. In this regard, financial literacy could play an instrumental role, which is also being indicated through our estimated results. Copyright © 2022 Inderscience Enterprises Ltd.","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":"21 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"66755994","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
Role of comparative economic benefits on intention to use e-wallet: the case in Malaysia 比较经济效益对电子钱包使用意向的影响:马来西亚案例
International Journal of Electronic Finance Pub Date : 2022-01-01 DOI: 10.1504/ijef.2022.10050632
A. Aman, Siti Aisah Bohari, Ruzita ABDUL RAHIM
{"title":"Role of comparative economic benefits on intention to use e-wallet: the case in Malaysia","authors":"A. Aman, Siti Aisah Bohari, Ruzita ABDUL RAHIM","doi":"10.1504/ijef.2022.10050632","DOIUrl":"https://doi.org/10.1504/ijef.2022.10050632","url":null,"abstract":"","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"66756018","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
ASSESSING THE DETERMINANTS OF MICROFINANCE IN INDIA: A CASE STUDY OF THE JOINT LIABILITY GROUPS OF THE NORTHERN KARNATAKA REGION 评估印度小额信贷的决定因素:卡纳塔克邦北部地区联合责任小组的案例研究
International Journal of Electronic Finance Pub Date : 2022-01-01 DOI: 10.1504/ijef.2022.10043949
Shivshankar Patil, Anush V. Kini
{"title":"ASSESSING THE DETERMINANTS OF MICROFINANCE IN INDIA: A CASE STUDY OF THE JOINT LIABILITY GROUPS OF THE NORTHERN KARNATAKA REGION","authors":"Shivshankar Patil, Anush V. Kini","doi":"10.1504/ijef.2022.10043949","DOIUrl":"https://doi.org/10.1504/ijef.2022.10043949","url":null,"abstract":"","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"66756044","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
Analysis of the factors affecting credit card use and online shopping attitudes of households in Turkey with the Bivariate Probit Model 用双变量概率模型分析土耳其家庭信用卡使用和网上购物态度的影响因素
International Journal of Electronic Finance Pub Date : 2022-01-01 DOI: 10.1504/ijef.2022.10045214
Kübranur Çebi Karaaslan N.A.
{"title":"Analysis of the factors affecting credit card use and online shopping attitudes of households in Turkey with the Bivariate Probit Model","authors":"Kübranur Çebi Karaaslan N.A.","doi":"10.1504/ijef.2022.10045214","DOIUrl":"https://doi.org/10.1504/ijef.2022.10045214","url":null,"abstract":"","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"66756213","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
Challenges in Teaching Finance in COVID era and the Remedies: Viewpoint from India 新冠肺炎时代金融教学面临的挑战与对策:来自印度的视角
International Journal of Electronic Finance Pub Date : 2022-01-01 DOI: 10.1504/ijef.2022.10047212
N. Sivasankaran, Samit Paul
{"title":"Challenges in Teaching Finance in COVID era and the Remedies: Viewpoint from India","authors":"N. Sivasankaran, Samit Paul","doi":"10.1504/ijef.2022.10047212","DOIUrl":"https://doi.org/10.1504/ijef.2022.10047212","url":null,"abstract":"The COVID-19 crisis has compelled the world to experience and weigh the costs and benefits associated with countrywide lockdowns and domestic as well as international travel restrictions. One major development in this coping situation is online teaching, even in the context of business studies. In India, students join B-schools from different parts of the country including rural and remote geographic locations. Very few families from these areas have access to a computer and internet facilities. Hence, it is obvious that there lie unforeseen challenges faced by the finance educators of Indian B-schools in teaching online. With the help of an anonymous case study followed by a simple survey, this study aims to highlight the issues related to learning finance using an online platform in Indian B-schools in the COVID era and tries to offer possible remedies to such problems. Copyright © 2022 Inderscience Enterprises Ltd.","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"66755847","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 Digitization Affect the Technical Efficiency of Indian Banks 数字化是否影响印度银行的技术效率
International Journal of Electronic Finance Pub Date : 2022-01-01 DOI: 10.1504/ijef.2022.10047865
S. Chauhan, S. Sushanth Kumar, Anshumita Singh, M. Jain
{"title":"Does Digitization Affect the Technical Efficiency of Indian Banks","authors":"S. Chauhan, S. Sushanth Kumar, Anshumita Singh, M. Jain","doi":"10.1504/ijef.2022.10047865","DOIUrl":"https://doi.org/10.1504/ijef.2022.10047865","url":null,"abstract":"","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"66755936","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
Importance of perceived security, perceived privacy and website design of active online investors: an Indian market perspective 感知安全的重要性，感知隐私和网站设计的活跃在线投资者:印度市场的观点
International Journal of Electronic Finance Pub Date : 2022-01-01 DOI: 10.1504/ijef.2022.10044290
Shalini Gautam, Priyanka Malik
{"title":"Importance of perceived security, perceived privacy and website design of active online investors: an Indian market perspective","authors":"Shalini Gautam, Priyanka Malik","doi":"10.1504/ijef.2022.10044290","DOIUrl":"https://doi.org/10.1504/ijef.2022.10044290","url":null,"abstract":"","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"66756142","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: 3
An automated credit intelligence learning system 自动信用智能学习系统
International Journal of Electronic Finance Pub Date : 2022-01-01 DOI: 10.1504/ijef.2022.10046047
T. Handhika, S. Fatimah, M. F. Novianto, Natasha Hassan Attamimi
{"title":"An automated credit intelligence learning system","authors":"T. Handhika, S. Fatimah, M. F. Novianto, Natasha Hassan Attamimi","doi":"10.1504/ijef.2022.10046047","DOIUrl":"https://doi.org/10.1504/ijef.2022.10046047","url":null,"abstract":"To accelerate the financial service, microfinance need a tool and technology to provide an automated dynamic credit decision which provides an accountable and efficient system. Taking case on loan disbursement in the micro-business sector, this study presents a vary comprehensive innovation, namely Credit Intelligence Learning System (ACILES) which consist of dynamic credit scoring (CS) and optimal dynamic credit pricing: derived from tenor, rate, installment, and plafond (TRIP). While credit pricing is obtained by the profit based pricing and simulation process, the credit scoring is developed by modeling not only the borrowers data profile but also psychometric analysis of both borrower and surveyor’s perception via Item Response model which combined with Multivariate Adaptive Regression Splines (MARS) model and Structural Equation Modeling (SEM), respectively. Based on our experiment, it can be seen clearly that ACILES can be implemented in order to augment microfinance","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"66755785","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
Analysis of the factors affecting credit card use and online shopping attitudes of households in Turkey with the bivariate probit model 用双变量probit模型分析土耳其家庭信用卡使用和网上购物态度的影响因素
International Journal of Electronic Finance Pub Date : 2022-01-01 DOI: 10.1504/ijef.2022.124478
Kübranur Çebi Karaaslan
{"title":"Analysis of the factors affecting credit card use and online shopping attitudes of households in Turkey with the bivariate probit model","authors":"Kübranur Çebi Karaaslan","doi":"10.1504/ijef.2022.124478","DOIUrl":"https://doi.org/10.1504/ijef.2022.124478","url":null,"abstract":"","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"66756126","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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