Pub Date : 2024-08-08DOI: 10.1108/jide-04-2024-0016
Yi He, Feiyu Li, Xincan Liu
PurposeIn today’s digital economy, it is very important to cultivate digital professionals with advanced interdisciplinary skills. The purpose of this paper is that universities play a vital role in this effort, and research teams need to use the synergistic effect of various educational methods to improve the quality and efficiency of personnel training. For these teams, a powerful evaluation mechanism is very important to improve their innovation ability and the overall level of talents they cultivate. The policy of “selecting the best through public bidding” not only meets the multi-dimensional evaluation needs of contemporary research, but also conforms to the current atmosphere of evaluating scientific and technological talents.Design/methodology/approachNonetheless, since its adoption, several challenges have emerged, including flawed project management systems, a mismatch between listed needs and actual core technological needs and a low rate of conversion of scientific achievements into practical outcomes. These issues are often traced back to overly simplistic evaluation methods for research teams. This paper reviews the literature on the “Open Bidding for Selecting the Best Candidates” policy and related evaluation mechanisms for research teams, identifying methodological shortcomings, a gap in exploring team collaboration and an oversight in team selection criteria.FindingsIt proposes a theoretical framework for the evaluation and selection mechanisms of research teams under the “Open Bidding for Selecting the Best Candidates” model, offering a solid foundation for further in-depth studies in this area.Originality/valueResearch progress on the Evaluation Mechanism of Scientific Research Teams in the Digital Economy Era from the Perspective of “Open Bidding for Selecting the Best Candidates.”
{"title":"Research progress on the evaluation mechanism of scientific research teams in the digital economy era","authors":"Yi He, Feiyu Li, Xincan Liu","doi":"10.1108/jide-04-2024-0016","DOIUrl":"https://doi.org/10.1108/jide-04-2024-0016","url":null,"abstract":"PurposeIn today’s digital economy, it is very important to cultivate digital professionals with advanced interdisciplinary skills. The purpose of this paper is that universities play a vital role in this effort, and research teams need to use the synergistic effect of various educational methods to improve the quality and efficiency of personnel training. For these teams, a powerful evaluation mechanism is very important to improve their innovation ability and the overall level of talents they cultivate. The policy of “selecting the best through public bidding” not only meets the multi-dimensional evaluation needs of contemporary research, but also conforms to the current atmosphere of evaluating scientific and technological talents.Design/methodology/approachNonetheless, since its adoption, several challenges have emerged, including flawed project management systems, a mismatch between listed needs and actual core technological needs and a low rate of conversion of scientific achievements into practical outcomes. These issues are often traced back to overly simplistic evaluation methods for research teams. This paper reviews the literature on the “Open Bidding for Selecting the Best Candidates” policy and related evaluation mechanisms for research teams, identifying methodological shortcomings, a gap in exploring team collaboration and an oversight in team selection criteria.FindingsIt proposes a theoretical framework for the evaluation and selection mechanisms of research teams under the “Open Bidding for Selecting the Best Candidates” model, offering a solid foundation for further in-depth studies in this area.Originality/valueResearch progress on the Evaluation Mechanism of Scientific Research Teams in the Digital Economy Era from the Perspective of “Open Bidding for Selecting the Best Candidates.”","PeriodicalId":345526,"journal":{"name":"Journal of Internet and Digital Economics","volume":"3 9","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-08-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141929116","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}
Pub Date : 2024-05-16DOI: 10.1108/jide-11-2023-0024
Guang Yang, Mingli Han
PurposeExploring the intrinsic connection between the ecological environment and the digital economy and empirically testing how the level of digital economic development affects the ecological environment. Using the entropy weighting method to analyze the weights of the indicators in the digital economic development level and ecological environment system to explore the factors that have the greatest impact on the ecological environment in the indicator system of the digital economic development level so as to deepen the theoretical understanding of the relationship between the level of development of the digital economy and the ecological environment. Explore the regional heterogeneity of the level of development of the digital economy to promote the healthy development of China’s ecological environment proving the difference in the level of development of the digital economy in the east west and central regions of China and the difference in the effect on the ecological environment.Design/methodology/approachBased on the panel data of 30 provinces in China from 2013 to 2021 this paper fits the index system of digital economy development level with three factors. A digital infrastructure digital industry and digital application combines environmental pollution and energy consumption to construct ecological environment indicators and explored the impact of digital economy development level on the ecological environment by using the entropy weight method and the random effect model.FindingsThe findings indicate that the degree of digital economic development has a positive and significant impact on promoting the healthy development of the ecological environment, in which the digital industry has the greatest impact on the ecological environment. Meanwhile, the improvement of industrial structure also has a positive effect on the improvement of the ecological environment, whereas the level of human capital inhibits the healthy development of the ecological environment, and the governmental support fails to effectively and significantly promote the improvement of the ecological environment. Furthermore, the empirical research indicates that the level of digital economy development has obvious regional heterogeneity on the healthy development of the ecological environment: the eastern and central regions have a significant effect, while the western region has a less significant effect.Originality/valueAlthough domestic and foreign scholars and experts have conducted sufficient studies on the ecological environment and the development level of digital economy respectively, there are few studies on the empirical analysis of the positive significance and regional heterogeneity of the impact of the development level of digital economy on the ecological environment, which can be supplemented and referred to in this study. At the same time, it also provides intellectual support for our country to achieve high-quality development of digital economy and eff
{"title":"Research on the impact of digital economic development level on ecological environment","authors":"Guang Yang, Mingli Han","doi":"10.1108/jide-11-2023-0024","DOIUrl":"https://doi.org/10.1108/jide-11-2023-0024","url":null,"abstract":"PurposeExploring the intrinsic connection between the ecological environment and the digital economy and empirically testing how the level of digital economic development affects the ecological environment. Using the entropy weighting method to analyze the weights of the indicators in the digital economic development level and ecological environment system to explore the factors that have the greatest impact on the ecological environment in the indicator system of the digital economic development level so as to deepen the theoretical understanding of the relationship between the level of development of the digital economy and the ecological environment. Explore the regional heterogeneity of the level of development of the digital economy to promote the healthy development of China’s ecological environment proving the difference in the level of development of the digital economy in the east west and central regions of China and the difference in the effect on the ecological environment.Design/methodology/approachBased on the panel data of 30 provinces in China from 2013 to 2021 this paper fits the index system of digital economy development level with three factors. A digital infrastructure digital industry and digital application combines environmental pollution and energy consumption to construct ecological environment indicators and explored the impact of digital economy development level on the ecological environment by using the entropy weight method and the random effect model.FindingsThe findings indicate that the degree of digital economic development has a positive and significant impact on promoting the healthy development of the ecological environment, in which the digital industry has the greatest impact on the ecological environment. Meanwhile, the improvement of industrial structure also has a positive effect on the improvement of the ecological environment, whereas the level of human capital inhibits the healthy development of the ecological environment, and the governmental support fails to effectively and significantly promote the improvement of the ecological environment. Furthermore, the empirical research indicates that the level of digital economy development has obvious regional heterogeneity on the healthy development of the ecological environment: the eastern and central regions have a significant effect, while the western region has a less significant effect.Originality/valueAlthough domestic and foreign scholars and experts have conducted sufficient studies on the ecological environment and the development level of digital economy respectively, there are few studies on the empirical analysis of the positive significance and regional heterogeneity of the impact of the development level of digital economy on the ecological environment, which can be supplemented and referred to in this study. At the same time, it also provides intellectual support for our country to achieve high-quality development of digital economy and eff","PeriodicalId":345526,"journal":{"name":"Journal of Internet and Digital Economics","volume":"49 20","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-05-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140970396","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}
Pub Date : 2023-12-25DOI: 10.1108/jide-06-2023-0014
Faraj Salman Alfawareh, Mahmoud Al-Kofahi
PurposeThe key aim of this study is to highlight current financial technology (FinTech) trends by conducting a bibliometric review of literature derived from the Scopus database.Design/methodology/approach A bibliometric analysis was conducted on articles gathered from the Scopus database. Microsoft Excel was used to perform the frequency analysis, VOSviewer for visualising the data, and Harzing’s Publish or Perish for the metrics citation.Findings According to this investigation, research into FinTech has been consistently increasing since 2008. The results indicate that the most active publisher of FinTech literature is Bina Nusantara University in Indonesia. In terms of country of publication, China is identified as the most active. The most cited author is Buckley, R.P., with Rabbani, M.R., having the most publications. It was also identified that FinTech researches come under three primary domains namely business management, computer science and economics.Research limitations/implications The primary limitation of this current study is that it only relied on one data source, i.e. Scopus. Implications wise, researchers and practitioners can gain a deeper understanding of FinTech from this study, which also describes the trend in related publications on the concept. Future studies could significantly benefit from the findings of the present paper.Practical implications The outcomes of this study can assist researchers in better comprehending and summarising the key drivers of FinTech. In addition, the findings can help new researchers identify the starting point for their research on FinTech.Originality/value As far as the authors are aware, this is the first study that reviews FinTech publications derived from Scopus from 2008 to 2022. Hence, it is a pioneering study into FinTech bibliometric analysis, providing an understanding of the structural knowledge by reviewing the timeline of academic progression in FinTech.
目的 本研究的主要目的是通过对 Scopus 数据库中的文献进行文献计量分析，突出当前金融科技（FinTech）的发展趋势。使用 Microsoft Excel 进行频率分析，使用 VOSviewer 进行数据可视化，使用 Harzing's Publish or Perish 进行指标引用。结果表明，金融科技文献最活跃的出版商是印度尼西亚的 Bina Nusantara 大学。从出版国家来看，中国是最活跃的国家。被引用最多的作者是巴克利（Buckley, R.P.），而拉巴尼（Rabbani, M.R.）发表的论文最多。研究的局限性/启示 本研究的主要局限性在于它只依赖于一个数据源，即 Scopus。从意义上讲，研究人员和从业人员可以从本研究中加深对金融科技的理解，本研究还描述了与这一概念相关的出版物的发展趋势。本研究的成果有助于研究人员更好地理解和总结金融科技的关键驱动因素。此外，研究结果还有助于新研究人员确定其金融科技研究的起点。原创性/价值 据作者所知，这是第一份回顾 2008 年至 2022 年 Scopus 中金融科技出版物的研究报告。因此，这是一项关于金融科技文献计量分析的开创性研究，通过回顾金融科技学术发展的时间轴，提供了对知识结构的理解。
{"title":"Analysis of global research trends on FinTech: a bibliometric study","authors":"Faraj Salman Alfawareh, Mahmoud Al-Kofahi","doi":"10.1108/jide-06-2023-0014","DOIUrl":"https://doi.org/10.1108/jide-06-2023-0014","url":null,"abstract":"PurposeThe key aim of this study is to highlight current financial technology (FinTech) trends by conducting a bibliometric review of literature derived from the Scopus database.Design/methodology/approach A bibliometric analysis was conducted on articles gathered from the Scopus database. Microsoft Excel was used to perform the frequency analysis, VOSviewer for visualising the data, and Harzing’s Publish or Perish for the metrics citation.Findings According to this investigation, research into FinTech has been consistently increasing since 2008. The results indicate that the most active publisher of FinTech literature is Bina Nusantara University in Indonesia. In terms of country of publication, China is identified as the most active. The most cited author is Buckley, R.P., with Rabbani, M.R., having the most publications. It was also identified that FinTech researches come under three primary domains namely business management, computer science and economics.Research limitations/implications The primary limitation of this current study is that it only relied on one data source, i.e. Scopus. Implications wise, researchers and practitioners can gain a deeper understanding of FinTech from this study, which also describes the trend in related publications on the concept. Future studies could significantly benefit from the findings of the present paper.Practical implications The outcomes of this study can assist researchers in better comprehending and summarising the key drivers of FinTech. In addition, the findings can help new researchers identify the starting point for their research on FinTech.Originality/value As far as the authors are aware, this is the first study that reviews FinTech publications derived from Scopus from 2008 to 2022. Hence, it is a pioneering study into FinTech bibliometric analysis, providing an understanding of the structural knowledge by reviewing the timeline of academic progression in FinTech.","PeriodicalId":345526,"journal":{"name":"Journal of Internet and Digital Economics","volume":"47 8","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-12-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"138943804","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}
Pub Date : 2023-05-11DOI: 10.1108/jide-09-2022-0018
J. Walsh, T. Q. Nguyen, Thinh Hoang
PurposeThe purpose of this paper is to investigate the implementation of digital transformation in small and medium-sized enterprises in Vietnam.Design/methodology/approachThe research features in-depth personal interviews with SME executives and managers.FindingsThe findings of this study may be summarized into five main areas: (1) multi-tasking role and scarcity of resources; (2) risk; (3) data-driven decision-making processes; (4) efficient communications; and (5) strategic issues. These categories emerged from the content analysis process.Research limitations/implicationsQualitative research provides a good explanation for situations in actual firms but may not always be generalizable.Practical implicationsMeans of overcoming problems with implementing digital transformation in Vietnamese SMEs are provided.Originality/valueMost studies of Vietnamese companies focus on intensive manufacturing and membership in supply chains. Few studies consider the emergent service and technology sector.
{"title":"Digital transformation in Vietnamese SMEs: managerial implications","authors":"J. Walsh, T. Q. Nguyen, Thinh Hoang","doi":"10.1108/jide-09-2022-0018","DOIUrl":"https://doi.org/10.1108/jide-09-2022-0018","url":null,"abstract":"PurposeThe purpose of this paper is to investigate the implementation of digital transformation in small and medium-sized enterprises in Vietnam.Design/methodology/approachThe research features in-depth personal interviews with SME executives and managers.FindingsThe findings of this study may be summarized into five main areas: (1) multi-tasking role and scarcity of resources; (2) risk; (3) data-driven decision-making processes; (4) efficient communications; and (5) strategic issues. These categories emerged from the content analysis process.Research limitations/implicationsQualitative research provides a good explanation for situations in actual firms but may not always be generalizable.Practical implicationsMeans of overcoming problems with implementing digital transformation in Vietnamese SMEs are provided.Originality/valueMost studies of Vietnamese companies focus on intensive manufacturing and membership in supply chains. Few studies consider the emergent service and technology sector.","PeriodicalId":345526,"journal":{"name":"Journal of Internet and Digital Economics","volume":"11 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116788035","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}
Pub Date : 2023-03-28DOI: 10.1108/jide-10-2022-0019
Peterson K. Ozili
PurposeThis paper investigates the global and local interest in Internet information about cryptocurrency and the Nigeria central bank digital currency, which is also known as eNaira.Design/methodology/approachGranger causality test and GMM coefficient matrix methodologies were used.FindingsThere is sustained increase in global and local interest in Internet information about eNaira in the first six weeks after eNaira adoption. Local interest in Internet information about cryptocurrency in Nigeria exceeded global interest in Internet information about cryptocurrency. The south-east region had the highest interest in cryptocurrency information followed by the south-south, the north-central, the north-east, the north-west and the south-west regions. In contrast, the north-east region had the highest interest in Internet information about eNaira, followed by the north-west, the north–central, the south-west, the south-south and the south-east regions. Nigeria recorded the highest global interest in Internet information about cryptocurrency and eNaira, while Japan and Brazil recorded the lowest interest during the period. The correlation results show a significant and positive correlation between interest in cryptocurrency information and interest in eNaira information. The Granger causality results show that global interest in cryptocurrency information causes both global and local interest in eNaira information. Also, local interest in cryptocurrency information causes global interest in eNaira information. The GMM regression coefficient matrix shows a significant positive relationship between interest in cryptocurrency information and eNaira information.Originality/valueThere are few studies on CBDC in country-specific contexts. This study adds to the literature by examining the Nigerian context.
{"title":"Assessing global and local interest in eNaira CBDC and cryptocurrency information: implications for financial stability","authors":"Peterson K. Ozili","doi":"10.1108/jide-10-2022-0019","DOIUrl":"https://doi.org/10.1108/jide-10-2022-0019","url":null,"abstract":"PurposeThis paper investigates the global and local interest in Internet information about cryptocurrency and the Nigeria central bank digital currency, which is also known as eNaira.Design/methodology/approachGranger causality test and GMM coefficient matrix methodologies were used.FindingsThere is sustained increase in global and local interest in Internet information about eNaira in the first six weeks after eNaira adoption. Local interest in Internet information about cryptocurrency in Nigeria exceeded global interest in Internet information about cryptocurrency. The south-east region had the highest interest in cryptocurrency information followed by the south-south, the north-central, the north-east, the north-west and the south-west regions. In contrast, the north-east region had the highest interest in Internet information about eNaira, followed by the north-west, the north–central, the south-west, the south-south and the south-east regions. Nigeria recorded the highest global interest in Internet information about cryptocurrency and eNaira, while Japan and Brazil recorded the lowest interest during the period. The correlation results show a significant and positive correlation between interest in cryptocurrency information and interest in eNaira information. The Granger causality results show that global interest in cryptocurrency information causes both global and local interest in eNaira information. Also, local interest in cryptocurrency information causes global interest in eNaira information. The GMM regression coefficient matrix shows a significant positive relationship between interest in cryptocurrency information and eNaira information.Originality/valueThere are few studies on CBDC in country-specific contexts. This study adds to the literature by examining the Nigerian context.","PeriodicalId":345526,"journal":{"name":"Journal of Internet and Digital Economics","volume":"16 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-03-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132162264","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}
Pub Date : 2022-10-10DOI: 10.1108/jide-04-2022-0012
Wenjun Jing, Xuanyu Liu, Linlin Wang, Yi He
PurposeAiming at the lack of explanatory power of traditional industrial organization theory in cross-border competition, by introducing the idea of ecological niche, the authors aim to explore the competitive situation of platform-based enterprises when they operate in multiple fields.Design/methodology/approachWith the help of ecological niche theory, construct the niche width and niche overlap index of typical enterprises in the platform economy, and find out the advantages and the intensity of competition through comparative analysis.FindingsIn an environment of cross-border competition, large enterprises have significant competitive advantages, and the fierce competition is concentrated among medium-sized enterprises.Originality/valueThe conclusions of this paper not only provide new insights for explaining the phenomenon of cross-border competition in the platform economy, but also provide theoretical reference for the anti-trust enforcement practice in the platform economy.
{"title":"Ecological layout and competition characteristics of large internet platform enterprises","authors":"Wenjun Jing, Xuanyu Liu, Linlin Wang, Yi He","doi":"10.1108/jide-04-2022-0012","DOIUrl":"https://doi.org/10.1108/jide-04-2022-0012","url":null,"abstract":"PurposeAiming at the lack of explanatory power of traditional industrial organization theory in cross-border competition, by introducing the idea of ecological niche, the authors aim to explore the competitive situation of platform-based enterprises when they operate in multiple fields.Design/methodology/approachWith the help of ecological niche theory, construct the niche width and niche overlap index of typical enterprises in the platform economy, and find out the advantages and the intensity of competition through comparative analysis.FindingsIn an environment of cross-border competition, large enterprises have significant competitive advantages, and the fierce competition is concentrated among medium-sized enterprises.Originality/valueThe conclusions of this paper not only provide new insights for explaining the phenomenon of cross-border competition in the platform economy, but also provide theoretical reference for the anti-trust enforcement practice in the platform economy.","PeriodicalId":345526,"journal":{"name":"Journal of Internet and Digital Economics","volume":"23 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-10-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131338465","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}
Pub Date : 2022-10-06DOI: 10.1108/jide-05-2022-0014
Peterson K. Ozili
PurposeThis paper presents an overview of embedded finance. It identifies the applications, use case examples, benefits and challenges of embedded finance. The paper also analyzes global interest in embedded finance and compares it with interest in related finance concepts such as open finance, open banking, decentralized finance, financial innovation, Fintech and digital finance.Design/methodology/approachGranger causality test and two-stage least square regression were used to assess interest over time in embedded finance.FindingsThe empirical result show that interest in embedded finance increased significantly during the COVID-19 pandemic. The United States, the United Kingdom and India witnessed the highest interest in embedded finance compared to other countries. There is bi-directional Granger causality between interest in information about embedded finance and interest in information about financial innovation. There is uni-directional Granger causality between interest in information about embedded finance and interest in information about digital finance and open finance. The findings also reveal that interest in decentralized finance and open finance are significant determinants of interest in embedded finance. On the other hand, interest in embedded finance is a significant determinant of interest in digital finance, decentralized finance, Fintech and open banking. Also, interest in embedded finance is significantly correlated with interest in digital finance, decentralized finance, open banking and Fintech.Originality/valuePresently, there is little academic interest in embedded finance despite the fact that embedded finance is part of the on-going digital finance revolution. This paper fills this gap in the literature by assessing the benefits, use case, challenges of embedded finance.
{"title":"Embedded finance: assessing the benefits, use case, challenges and interest over time","authors":"Peterson K. Ozili","doi":"10.1108/jide-05-2022-0014","DOIUrl":"https://doi.org/10.1108/jide-05-2022-0014","url":null,"abstract":"PurposeThis paper presents an overview of embedded finance. It identifies the applications, use case examples, benefits and challenges of embedded finance. The paper also analyzes global interest in embedded finance and compares it with interest in related finance concepts such as open finance, open banking, decentralized finance, financial innovation, Fintech and digital finance.Design/methodology/approachGranger causality test and two-stage least square regression were used to assess interest over time in embedded finance.FindingsThe empirical result show that interest in embedded finance increased significantly during the COVID-19 pandemic. The United States, the United Kingdom and India witnessed the highest interest in embedded finance compared to other countries. There is bi-directional Granger causality between interest in information about embedded finance and interest in information about financial innovation. There is uni-directional Granger causality between interest in information about embedded finance and interest in information about digital finance and open finance. The findings also reveal that interest in decentralized finance and open finance are significant determinants of interest in embedded finance. On the other hand, interest in embedded finance is a significant determinant of interest in digital finance, decentralized finance, Fintech and open banking. Also, interest in embedded finance is significantly correlated with interest in digital finance, decentralized finance, open banking and Fintech.Originality/valuePresently, there is little academic interest in embedded finance despite the fact that embedded finance is part of the on-going digital finance revolution. This paper fills this gap in the literature by assessing the benefits, use case, challenges of embedded finance.","PeriodicalId":345526,"journal":{"name":"Journal of Internet and Digital Economics","volume":"10 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-10-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124019364","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}
Pub Date : 2022-03-29DOI: 10.1108/jide-11-2021-0018
U. M. Ekong, C. N. Ekong
PurposeThis study aims to empirically investigate the effect of digital currency development (digital finance) on financial inclusion in Nigeria for the period. Nigeria undertook her digital currency development to rip the benefits of financial inclusion, safer remittances and exchange rate regularization among others.Design/methodology/approachThe researchers developed high-frequency quarterly data for the analysis from 2006:1 to 2020:4 in a weighted stepwise forward regression. A model similar to the one used by Demir et al. (2020) and Altunbas and Thornton (2019) with some modifications was developed.FindingsFindings suggest that (1) a unit rise in the usage of automated teller machines by citizens spontaneously raised financial inclusion in a quarter in Nigeria by 0.012 units and were statistically significant; (2) a percentage rise in the use of point of sales transaction by citizens in the country also raised financial inclusion in Nigeria by approximately 1%; (3) a percentage increase by mobile payment users in Nigeria will spontaneously increase financial inclusion by at least 0.4%; (4) a percentage rise in web payment services reduces financial inclusion by 22% in Nigeria; (5) Cumulative positive effect of digital finances on financial inclusion in Nigeria was approximately 7%.Practical implicationsThe researches show, using in-sample forecast, that while financial inclusion will grow in Nigeria, it will not be without systemic fluctuations. Based on the outcome, it is proposed that if the present digital currency penetration for the country is sustained at the present growth rate, the country may be more financially inclusive by 2% additionally by 2025 and 4% more by 2030.Originality/valueOriginally, it is found that digital currency development are positive derivatives for financial inclusion in Nigeria. Cumulatively, the effect of digital finances on financial inclusion in Nigeria is approximately 7% positive.
{"title":"Digital currency and financial inclusion in Nigeria: lessons for development","authors":"U. M. Ekong, C. N. Ekong","doi":"10.1108/jide-11-2021-0018","DOIUrl":"https://doi.org/10.1108/jide-11-2021-0018","url":null,"abstract":"PurposeThis study aims to empirically investigate the effect of digital currency development (digital finance) on financial inclusion in Nigeria for the period. Nigeria undertook her digital currency development to rip the benefits of financial inclusion, safer remittances and exchange rate regularization among others.Design/methodology/approachThe researchers developed high-frequency quarterly data for the analysis from 2006:1 to 2020:4 in a weighted stepwise forward regression. A model similar to the one used by Demir et al. (2020) and Altunbas and Thornton (2019) with some modifications was developed.FindingsFindings suggest that (1) a unit rise in the usage of automated teller machines by citizens spontaneously raised financial inclusion in a quarter in Nigeria by 0.012 units and were statistically significant; (2) a percentage rise in the use of point of sales transaction by citizens in the country also raised financial inclusion in Nigeria by approximately 1%; (3) a percentage increase by mobile payment users in Nigeria will spontaneously increase financial inclusion by at least 0.4%; (4) a percentage rise in web payment services reduces financial inclusion by 22% in Nigeria; (5) Cumulative positive effect of digital finances on financial inclusion in Nigeria was approximately 7%.Practical implicationsThe researches show, using in-sample forecast, that while financial inclusion will grow in Nigeria, it will not be without systemic fluctuations. Based on the outcome, it is proposed that if the present digital currency penetration for the country is sustained at the present growth rate, the country may be more financially inclusive by 2% additionally by 2025 and 4% more by 2030.Originality/valueOriginally, it is found that digital currency development are positive derivatives for financial inclusion in Nigeria. Cumulatively, the effect of digital finances on financial inclusion in Nigeria is approximately 7% positive.","PeriodicalId":345526,"journal":{"name":"Journal of Internet and Digital Economics","volume":"41 24","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-03-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114052806","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}
Pub Date : 2022-03-21DOI: 10.1108/jide-12-2021-0023
Wei Xiong, Ziyi Xiong, Tina Tian
PurposeThe performance of behavioral targeting (BT) mainly relies on the effectiveness of user classification since advertisers always want to target their advertisements to the most relevant users. In this paper, the authors frame the BT as a user classification problem and describe a machine learning–based approach for solving it.Design/methodology/approachTo perform such a study, two major research questions are investigated: the first question is how to represent a user’s online behavior. A good representation strategy should be able to effectively classify users based on their online activities. The second question is how different representation strategies affect the targeting performance. The authors propose three user behavior representation methods and compare them empirically using the area under the receiver operating characteristic curve (AUC) as a performance measure.FindingsThe experimental results indicate that ad campaign effectiveness can be significantly improved by combining user search queries, clicked URLs and clicked ads as a user profile. In addition, the authors also explore the temporal aspect of user behavior history by investigating the effect of history length on targeting performance. The authors note that an improvement of approximately 6.5% in AUC is achieved when user history is extended from 1 day to 14 days, which is substantial in targeting performance.Originality/valueThis paper confirms the effectiveness of BT on user classification and provides a validation of BT for Internet advertising.
{"title":"Who to show the ad to? Behavioral targeting in Internet advertising","authors":"Wei Xiong, Ziyi Xiong, Tina Tian","doi":"10.1108/jide-12-2021-0023","DOIUrl":"https://doi.org/10.1108/jide-12-2021-0023","url":null,"abstract":"PurposeThe performance of behavioral targeting (BT) mainly relies on the effectiveness of user classification since advertisers always want to target their advertisements to the most relevant users. In this paper, the authors frame the BT as a user classification problem and describe a machine learning–based approach for solving it.Design/methodology/approachTo perform such a study, two major research questions are investigated: the first question is how to represent a user’s online behavior. A good representation strategy should be able to effectively classify users based on their online activities. The second question is how different representation strategies affect the targeting performance. The authors propose three user behavior representation methods and compare them empirically using the area under the receiver operating characteristic curve (AUC) as a performance measure.FindingsThe experimental results indicate that ad campaign effectiveness can be significantly improved by combining user search queries, clicked URLs and clicked ads as a user profile. In addition, the authors also explore the temporal aspect of user behavior history by investigating the effect of history length on targeting performance. The authors note that an improvement of approximately 6.5% in AUC is achieved when user history is extended from 1 day to 14 days, which is substantial in targeting performance.Originality/valueThis paper confirms the effectiveness of BT on user classification and provides a validation of BT for Internet advertising.","PeriodicalId":345526,"journal":{"name":"Journal of Internet and Digital Economics","volume":"16 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-03-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129556863","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}
Pub Date : 2022-03-11DOI: 10.1108/jide-08-2021-0007
Abera Bekele Kejela, Daniel Porath
PurposeIn this paper, the authors explore the reasons for reluctance to use mobile banking with the help of the technology acceptance model (TAM) and modifications proposed by the literature that is particularly adequate for developing countries and mobile banking: the theory of trying (TT) and the concept of attitude strengths.Design/methodology/approachThis study intends to shed more light on the acceptance of mobile banking in Ethiopia from the banking industry's perspective. To this end, the authors identify models used in the literature for explaining acceptance and fit them to a sample of Ethiopian bank customers. The authors' sample of 394 mobile banking subscribers does not include non-banked individuals, because the authors' main intention is to help banks understanding why banks' platforms are not used as desired.FindingsThe authors' findings suggest that attitude is the most significant factor determining acceptance, a multi-dimensional approach to attitude is more recommendable to understanding how mobile banking users shape users' attitude and combining TAM and TT is impactful and better explains the factors influencing attitude.Research limitations/implicationsThe authors' analysis suggests focusing on improving the attitude of users toward mobile banking since users' attitude is the integral component for acceptance decisions. In doing so, banks shall concentrate on making mobile banking services/platforms easy to use than promoting the usefulness of mobile banking, because the perception of ease of use has a more significant influence on attitude than usefulness.Originality/valuePractical application of the authors' findings may guide future marketing decisions while individuals can elucidate where individuals stand on mobile banking.
{"title":"Influence of attitude on mobile banking acceptance and factors determining attitude of end-users in Ethiopia","authors":"Abera Bekele Kejela, Daniel Porath","doi":"10.1108/jide-08-2021-0007","DOIUrl":"https://doi.org/10.1108/jide-08-2021-0007","url":null,"abstract":"PurposeIn this paper, the authors explore the reasons for reluctance to use mobile banking with the help of the technology acceptance model (TAM) and modifications proposed by the literature that is particularly adequate for developing countries and mobile banking: the theory of trying (TT) and the concept of attitude strengths.Design/methodology/approachThis study intends to shed more light on the acceptance of mobile banking in Ethiopia from the banking industry's perspective. To this end, the authors identify models used in the literature for explaining acceptance and fit them to a sample of Ethiopian bank customers. The authors' sample of 394 mobile banking subscribers does not include non-banked individuals, because the authors' main intention is to help banks understanding why banks' platforms are not used as desired.FindingsThe authors' findings suggest that attitude is the most significant factor determining acceptance, a multi-dimensional approach to attitude is more recommendable to understanding how mobile banking users shape users' attitude and combining TAM and TT is impactful and better explains the factors influencing attitude.Research limitations/implicationsThe authors' analysis suggests focusing on improving the attitude of users toward mobile banking since users' attitude is the integral component for acceptance decisions. In doing so, banks shall concentrate on making mobile banking services/platforms easy to use than promoting the usefulness of mobile banking, because the perception of ease of use has a more significant influence on attitude than usefulness.Originality/valuePractical application of the authors' findings may guide future marketing decisions while individuals can elucidate where individuals stand on mobile banking.","PeriodicalId":345526,"journal":{"name":"Journal of Internet and Digital Economics","volume":"258 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-03-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122935233","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}
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