揭示联系:马来西亚金融包容性、金融科技应用和社会可持续性的动态发展

IF 3.3 Q1 BUSINESS, FINANCE
Lee-Chea Hiew, Meng-Tuck Lam, Swee-Jack Ho
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引用次数: 0

摘要

目的本研究旨在探讨感知收益-风险动态对金融包容性的影响、金融科技应用的驱动因素、金融包容性对感知收益-风险动态和金融科技应用的中介效应以及金融科技应用的社会可持续性效应。研究结果本研究表明,只有非货币利益和监管风险会对金融包容性产生重大影响。此外,金融包容性是非货币利益和监管风险的中介。此外,普惠金融与金融科技的采用之间存在直接关系,金融科技的采用与社会的可持续发展之间也存在直接关系。此外,技术和立法变化可能会改变研究结果。此外,本研究仅以马来西亚沙捞越州为样本。因此,包括技术基础设施、金融服务可及性和文化差异在内的国家特定因素可能会影响参与者的反应。本研究通过纳入 Valence、公共利益和可持续信息社会理论,为金融科技提供了一个新的视角。社会影响金融科技的发展需要创新、消费者保护和公平竞争。金融科技公司可以提高金融包容性,解决不平等问题(可持续发展目标 10)。政府和金融科技解决方案应将金融和数字扫盲纳入教育(SGG4)。原创性/价值从情感、社会学和社会可持续性等方面对金融包容性、金融科技的采用和社会可持续性进行了研究。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Unveiling the nexus: unravelling the dynamics of financial inclusion, FinTech adoption and societal sustainability in Malaysia

Purpose

This study aims to examine the impact of perceived benefits-risk dynamics on financial inclusion, the factor driving fintech adoption, the mediating effects of financial inclusion on perceived benefit-risk dynamics and fintech adoption, and the societal sustainability effects of fintech adoption.

Design/methodology/approach

This study used a quantitative study with 258 respondents in Sarawak, Malaysia. PLS-SEM was used to investigate the associations.

Findings

This study suggests that only non-monetary benefits and regulatory risks significantly influence financial inclusion. In addition, financial inclusion acts as an intermediary for non-monetary benefits and regulatory risks. Besides, a direct relationship exists between financial inclusion and fintech adoption, as well as between fintech adoption and societal sustainability.

Research limitations/implications

This model explores a few benefits and risks. Also, technological and legislative changes may alter research outcomes. Besides, this study only samples Sarawak, Malaysia. Therefore, country-specific factors, including technology infrastructure, financial services accessibility and cultural variations, may affect participant responses. This study offers a novel perspective on fintech by including Valence, Public Good and Sustainable Information Society theories.

Practical implications

Financial inclusion’s non-monetary benefits must be emphasised to remove barriers and meet user requirements. Fintech firms should also work with authorities to comply with regulations and help marginalised populations by prioritising sustainability.

Social implications

Fintech growth requires innovation, consumer protection and fair competition. Fintech firms can enhance financial inclusion to address inequalities (SDG10). Governments and fintech solutions should incorporate financial and digital literacy into education (SGG4).

Originality/value

Financial inclusion, fintech adoption and societal sustainability are examined using emotional, sociological and societal sustainability aspects.

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来源期刊
CiteScore
5.80
自引率
16.00%
发文量
65
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