创新与数字革命:金融科技在缓解新冠肺炎影响中的作用

IF 2.3 Q3 BUSINESS
Israr Ahmed Jatoi, Abdul Kabeer Kazi, Muhammad Raghib Zafar
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引用次数: 0

摘要

2019冠状病毒病大流行极大地改变了日常生活的各个方面,对全球经济活动产生了严重影响。因此,小额信贷机构在提高穷人的生活水平方面变得越来越重要。本研究旨在调查金融科技对小额信贷机构在金融部门提供的服务的影响,特别是在巴基斯坦的小额信贷部门。本研究以金融科技为自变量(4个指标),小额信贷服务为因变量(4个指标),COVID-19为调节变量(1个指标),采用李克特五点问卷定量研究方法。采用随机抽样技术,从巴基斯坦11家mfb中的5家选择了300名员工,其中276人的回答被认为适合进一步分析。研究人员使用MS Excel和SmartPLS软件分析数据的信度和效度,并使用PLS-SEM技术评估金融科技与小额信贷机构的关系,以及COVID-19的调节作用。研究发现,金融科技对小额信贷机构具有显著的正向影响,调节变量(COVID-19)增强了金融科技与小额信贷机构之间的关系。这些发现强调了将金融科技纳入小额信贷机构提供的服务,以改善小额信贷部门的整体经济活动的重要性,特别是在2019冠状病毒病大流行的背景下。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Innovation and Digital Revolution: The Role of Fintech in Mitigating the Effects of Covid-19
The COVID-19 pandemic has drastically transformed various aspects of daily life, and its impact on global economic activity has been severe. As a result, microfinance institutions (MFIs) have become increasingly important in improving the standard of living for the poor. This study aims to investigate the impact of fintech on the services provided by MFIs in the financial sector, specifically in the microfinance sector of Pakistan. Using fintech as an independent variable with four indicators, microfinance services as a dependent variable with four indicators, and COVID-19 as a moderator variable with one indicator, the study employs a quantitative research method with a five-point Likert scale questionnaire. A random sampling technique was used to select a sample of 300 employees from five out of 11 MFBs in Pakistan, with 276 responses considered appropriate for further analysis. The researchers used MS Excel and SmartPLS software to analyze the reliability and validity of the data, and PLS-SEM techniques were used to evaluate the relationship between fintech and MFIs, and the moderating effect of COVID-19. The study found a positive and significant impact of fintech on MFIs, and the moderator variable (COVID-19) enhanced the relationship between fintech and MFIs. These findings highlight the importance of integrating fintech into the services provided by MFIs to improve the overall economic activity of the microfinance sector, particularly in the context of the COVID-19 pandemic.
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来源期刊
CiteScore
4.70
自引率
5.60%
发文量
20
审稿时长
48 weeks
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