利用解释性结构模型分析印度街头小贩采用金融科技的障碍

Q2 Business, Management and Accounting
Priti Bakhshi, R. Agrawal, Suhan Mendon, Daniel Frank, C. Spulbar, Ramona Birau, R. Filip
{"title":"利用解释性结构模型分析印度街头小贩采用金融科技的障碍","authors":"Priti Bakhshi, R. Agrawal, Suhan Mendon, Daniel Frank, C. Spulbar, Ramona Birau, R. Filip","doi":"10.3846/btp.2024.19208","DOIUrl":null,"url":null,"abstract":"The adoption of financial technology (fintech) has the potential to make banking and financial services more accessible and convenient for all, but there are significant barriers preventing the adoption of fintech by street vendors and hawkers in India. This study aims to identify and analyse the barriers to fintech adoption using interpretive structural modelling (ISM). The research identified nine key barriers to fintech adoption, including perceived risk, lack of trust, lack of perceived benefit, social influence, lack of awareness, cash culture, lack of literacy, perceived ease of use, and lack of financial literacy. The study utilizes ISM to develop a hierarchy of these barriers and their interrelationships. The findings suggest that to promote the adoption of fintech, it is essential to build trust and awareness of fintech services through education and out-reach programs. This research provides a comprehensive understanding of the barriers to fintech adoption among street vendors and hawkers in India and offers insights into how these barriers can be overcomed. The study contributes to the development of strategies that can help promote the adoption of fintech among marginalized populations and advance financial inclusion in India.","PeriodicalId":40066,"journal":{"name":"Business: Theory and Practice","volume":null,"pages":null},"PeriodicalIF":0.0000,"publicationDate":"2024-04-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"BARRIERS IN ADOPTION OF FINTECH BY STREET VENDORS AND HAWKERS IN INDIA USING INTERPRETIVE STRUCTURAL MODELING\",\"authors\":\"Priti Bakhshi, R. Agrawal, Suhan Mendon, Daniel Frank, C. Spulbar, Ramona Birau, R. Filip\",\"doi\":\"10.3846/btp.2024.19208\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"The adoption of financial technology (fintech) has the potential to make banking and financial services more accessible and convenient for all, but there are significant barriers preventing the adoption of fintech by street vendors and hawkers in India. This study aims to identify and analyse the barriers to fintech adoption using interpretive structural modelling (ISM). The research identified nine key barriers to fintech adoption, including perceived risk, lack of trust, lack of perceived benefit, social influence, lack of awareness, cash culture, lack of literacy, perceived ease of use, and lack of financial literacy. The study utilizes ISM to develop a hierarchy of these barriers and their interrelationships. The findings suggest that to promote the adoption of fintech, it is essential to build trust and awareness of fintech services through education and out-reach programs. This research provides a comprehensive understanding of the barriers to fintech adoption among street vendors and hawkers in India and offers insights into how these barriers can be overcomed. The study contributes to the development of strategies that can help promote the adoption of fintech among marginalized populations and advance financial inclusion in India.\",\"PeriodicalId\":40066,\"journal\":{\"name\":\"Business: Theory and Practice\",\"volume\":null,\"pages\":null},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2024-04-25\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Business: Theory and Practice\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.3846/btp.2024.19208\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q2\",\"JCRName\":\"Business, Management and Accounting\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Business: Theory and Practice","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.3846/btp.2024.19208","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q2","JCRName":"Business, Management and Accounting","Score":null,"Total":0}
引用次数: 0

摘要

采用金融技术(fintech)有可能使银行和金融服务对所有人来说更容易获得、更方便,但在印度,街头小贩和小商贩采用金融技术存在重大障碍。本研究旨在利用解释性结构模型(ISM)识别和分析采用金融科技的障碍。研究确定了采用金融科技的九大障碍,包括感知风险、缺乏信任、缺乏感知利益、社会影响、缺乏意识、现金文化、缺乏文化、感知易用性和缺乏金融知识。研究利用 ISM 对这些障碍及其相互关系进行了分级。研究结果表明,要促进金融科技的应用,必须通过教育和外联计划来建立对金融科技服务的信任和认识。这项研究全面了解了印度街头商贩和小贩采用金融科技的障碍,并就如何克服这些障碍提出了见解。这项研究有助于制定战略,帮助促进边缘化人群采用金融科技,推进印度的金融包容性。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
BARRIERS IN ADOPTION OF FINTECH BY STREET VENDORS AND HAWKERS IN INDIA USING INTERPRETIVE STRUCTURAL MODELING
The adoption of financial technology (fintech) has the potential to make banking and financial services more accessible and convenient for all, but there are significant barriers preventing the adoption of fintech by street vendors and hawkers in India. This study aims to identify and analyse the barriers to fintech adoption using interpretive structural modelling (ISM). The research identified nine key barriers to fintech adoption, including perceived risk, lack of trust, lack of perceived benefit, social influence, lack of awareness, cash culture, lack of literacy, perceived ease of use, and lack of financial literacy. The study utilizes ISM to develop a hierarchy of these barriers and their interrelationships. The findings suggest that to promote the adoption of fintech, it is essential to build trust and awareness of fintech services through education and out-reach programs. This research provides a comprehensive understanding of the barriers to fintech adoption among street vendors and hawkers in India and offers insights into how these barriers can be overcomed. The study contributes to the development of strategies that can help promote the adoption of fintech among marginalized populations and advance financial inclusion in India.
求助全文
通过发布文献求助,成功后即可免费获取论文全文。 去求助
来源期刊
Business: Theory and Practice
Business: Theory and Practice Business, Management and Accounting-Strategy and Management
CiteScore
5.00
自引率
0.00%
发文量
35
审稿时长
8 weeks
期刊介绍: The journal "Business: Theory and Practice" is published from 2000. 1 vol (4 issues) per year are published. Articles in Lithuanian, English, German, Russian. The Journal has been included into database "ICONDA" and "Business Source Complete".
×
引用
GB/T 7714-2015
复制
MLA
复制
APA
复制
导出至
BibTeX EndNote RefMan NoteFirst NoteExpress
×
提示
您的信息不完整,为了账户安全,请先补充。
现在去补充
×
提示
您因"违规操作"
具体请查看互助需知
我知道了
×
提示
确定
请完成安全验证×
copy
已复制链接
快去分享给好友吧!
我知道了
右上角分享
点击右上角分享
0
联系我们:info@booksci.cn Book学术提供免费学术资源搜索服务,方便国内外学者检索中英文文献。致力于提供最便捷和优质的服务体验。 Copyright © 2023 布克学术 All rights reserved.
京ICP备2023020795号-1
ghs 京公网安备 11010802042870号
Book学术文献互助
Book学术文献互助群
群 号:481959085
Book学术官方微信