Analysis of constraints and their impact on adopting digital FinTech techniques in banks

IF 3.7 4区管理学 Q2 BUSINESS Electronic Commerce Research Pub Date : 2023-12-01 DOI:10.1007/s10660-023-09782-6

Hussein Ahmed Alshari, M. A. Lokhande

引用次数: 0

Abstract

This study aims to investigate the effect of constraints; regulatory, technological, political, economic, and cultural, on the adoption of FinTech in banks through techniques of FinTech; artificial intelligence, big data, cloud computing, and blockchain in Yemen. The information for this study was collected through a questionnaire that included 332 respondents and was analyzed at the managerial level for 361 bank branches. Structural equation modeling through PLS, a disjoint two-stage approach, was used to approve the model's constructs. The study results reveal a significant negative effect of the constraints on adopting FinTech in banks. Technological, economic, and political constraints negatively affect banks' adoption of digital FinTech techniques. But regulatory and cultural constraints have an insignificant effect. This study may be important for specialists and those interested in FinTech development and valuable for decision-makers to address obstacles and keep pace with financial technology developments in Yemen.

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银行采用数字金融技术的制约因素及其影响分析

本研究旨在探讨约束的影响;监管、技术、政治、经济和文化方面，通过金融科技技术在银行采用金融科技;也门的人工智能、大数据、云计算和区块链。本研究的信息是通过一份包括332名受访者的调查问卷收集的，并在361家银行分行的管理层进行了分析。结构方程建模通过PLS，一个不相交的两阶段方法，被用来批准模型的结构。研究结果表明，银行采用金融科技的限制因素具有显著的负面影响。技术、经济和政治制约因素对银行采用数字金融科技技术产生负面影响。但监管和文化约束的影响并不显著。这项研究可能对专家和对金融科技发展感兴趣的人很重要，对决策者解决也门的障碍和跟上金融科技发展的步伐也很有价值。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Electronic Commerce Research Multiple-

CiteScore

7.50

自引率

12.80%

发文量

期刊介绍： The Internet and the World Wide Web have brought a fundamental change in the way that individuals access data, information and services. Individuals have access to vast amounts of data, to experts and services that are not limited in time or space. This has forced business to change the way in which they conduct their commercial transactions with their end customers and with other businesses, resulting in the development of a global market through the Internet. The emergence of the Internet and electronic commerce raises many new research issues. The Electronic Commerce Research journal will serve as a forum for stimulating and disseminating research into all facets of electronic commerce - from research into core enabling technologies to work on assessing and understanding the implications of these technologies on societies, economies, businesses and individuals. The journal concentrates on theoretical as well as empirical research that leads to better understanding of electronic commerce and its implications. Topics covered by the journal include, but are not restricted to the following subjects as they relate to the Internet and electronic commerce: Dissemination of services through the Internet;Intelligent agents technologies and their impact;The global impact of electronic commerce;The economics of electronic commerce;Fraud reduction on the Internet;Mobile electronic commerce;Virtual electronic commerce systems;Application of computer and communication technologies to electronic commerce;Electronic market mechanisms and their impact;Auctioning over the Internet;Business models of Internet based companies;Service creation and provisioning;The job market created by the Internet and electronic commerce;Security, privacy, authorization and authentication of users and transactions on the Internet;Electronic data interc hange over the Internet;Electronic payment systems and electronic funds transfer;The impact of electronic commerce on organizational structures and processes;Supply chain management through the Internet;Marketing on the Internet;User adaptive advertisement;Standards in electronic commerce and their analysis;Metrics, measurement and prediction of user activity;On-line stock markets and financial trading;User devices for accessing the Internet and conducting electronic transactions;Efficient search techniques and engines on the WWW;Web based languages (e.g., HTML, XML, VRML, Java);Multimedia storage and distribution;Internet;Collaborative learning, gaming and work;Presentation page design techniques and tools;Virtual reality on the net and 3D visualization;Browsers and user interfaces;Web site management techniques and tools;Managing middleware to support electronic commerce;Web based education, and training;Electronic journals and publishing on the Internet;Legal issues, taxation and property rights;Modeling and design of networks to support Internet applications;Modeling, design and sizing of web site servers;Reliability of intensive on-line applications;Pervasive devices and pervasive computing in electronic commerce;Workflow for electronic commerce applications;Coordination technologies for electronic commerce;Personalization and mass customization technologies;Marketing and customer relationship management in electronic commerce;Service creation and provisioning. Audience: Academics and professionals involved in electronic commerce research and the application and use of the Internet. Managers, consultants, decision-makers and developers who value the use of electronic com merce research results. Special Issues: Electronic Commerce Research publishes from time to time a special issue of the devoted to a single subject area. If interested in serving as a guest editor for a special issue, please contact the Editor-in-Chief J. Christopher Westland at westland@uic.edu with a proposal for the special issue. Officially cited as: Electron Commer Res