Pub Date : 2022-01-01DOI: 10.1504/ijef.2022.10050632
A. Aman, Siti Aisah Bohari, Ruzita ABDUL RAHIM
{"title":"Role of comparative economic benefits on intention to use e-wallet: the case in Malaysia","authors":"A. Aman, Siti Aisah Bohari, Ruzita ABDUL RAHIM","doi":"10.1504/ijef.2022.10050632","DOIUrl":"https://doi.org/10.1504/ijef.2022.10050632","url":null,"abstract":"","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2022-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"66756018","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 : 2022-01-01DOI: 10.1504/ijef.2022.10043949
Shivshankar Patil, Anush V. Kini
{"title":"ASSESSING THE DETERMINANTS OF MICROFINANCE IN INDIA: A CASE STUDY OF THE JOINT LIABILITY GROUPS OF THE NORTHERN KARNATAKA REGION","authors":"Shivshankar Patil, Anush V. Kini","doi":"10.1504/ijef.2022.10043949","DOIUrl":"https://doi.org/10.1504/ijef.2022.10043949","url":null,"abstract":"","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2022-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"66756044","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 : 2022-01-01DOI: 10.1504/ijef.2022.10045214
Kübranur Çebi Karaaslan N.A.
{"title":"Analysis of the factors affecting credit card use and online shopping attitudes of households in Turkey with the Bivariate Probit Model","authors":"Kübranur Çebi Karaaslan N.A.","doi":"10.1504/ijef.2022.10045214","DOIUrl":"https://doi.org/10.1504/ijef.2022.10045214","url":null,"abstract":"","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2022-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"66756213","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 : 2022-01-01DOI: 10.1504/ijef.2022.10047865
S. Chauhan, S. Sushanth Kumar, Anshumita Singh, M. Jain
{"title":"Does Digitization Affect the Technical Efficiency of Indian Banks","authors":"S. Chauhan, S. Sushanth Kumar, Anshumita Singh, M. Jain","doi":"10.1504/ijef.2022.10047865","DOIUrl":"https://doi.org/10.1504/ijef.2022.10047865","url":null,"abstract":"","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2022-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"66755936","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 : 2022-01-01DOI: 10.1504/ijef.2022.10044290
Shalini Gautam, Priyanka Malik
{"title":"Importance of perceived security, perceived privacy and website design of active online investors: an Indian market perspective","authors":"Shalini Gautam, Priyanka Malik","doi":"10.1504/ijef.2022.10044290","DOIUrl":"https://doi.org/10.1504/ijef.2022.10044290","url":null,"abstract":"","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2022-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"66756142","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 : 2022-01-01DOI: 10.1504/ijef.2022.10046047
T. Handhika, S. Fatimah, M. F. Novianto, Natasha Hassan Attamimi
To accelerate the financial service, microfinance need a tool and technology to provide an automated dynamic credit decision which provides an accountable and efficient system. Taking case on loan disbursement in the micro-business sector, this study presents a vary comprehensive innovation, namely Credit Intelligence Learning System (ACILES) which consist of dynamic credit scoring (CS) and optimal dynamic credit pricing: derived from tenor, rate, installment, and plafond (TRIP). While credit pricing is obtained by the profit based pricing and simulation process, the credit scoring is developed by modeling not only the borrowers data profile but also psychometric analysis of both borrower and surveyor’s perception via Item Response model which combined with Multivariate Adaptive Regression Splines (MARS) model and Structural Equation Modeling (SEM), respectively. Based on our experiment, it can be seen clearly that ACILES can be implemented in order to augment microfinance
{"title":"An automated credit intelligence learning system","authors":"T. Handhika, S. Fatimah, M. F. Novianto, Natasha Hassan Attamimi","doi":"10.1504/ijef.2022.10046047","DOIUrl":"https://doi.org/10.1504/ijef.2022.10046047","url":null,"abstract":"To accelerate the financial service, microfinance need a tool and technology to provide an automated dynamic credit decision which provides an accountable and efficient system. Taking case on loan disbursement in the micro-business sector, this study presents a vary comprehensive innovation, namely Credit Intelligence Learning System (ACILES) which consist of dynamic credit scoring (CS) and optimal dynamic credit pricing: derived from tenor, rate, installment, and plafond (TRIP). While credit pricing is obtained by the profit based pricing and simulation process, the credit scoring is developed by modeling not only the borrowers data profile but also psychometric analysis of both borrower and surveyor’s perception via Item Response model which combined with Multivariate Adaptive Regression Splines (MARS) model and Structural Equation Modeling (SEM), respectively. Based on our experiment, it can be seen clearly that ACILES can be implemented in order to augment microfinance","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2022-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"66755785","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 : 2022-01-01DOI: 10.1504/ijef.2022.124478
Kübranur Çebi Karaaslan
{"title":"Analysis of the factors affecting credit card use and online shopping attitudes of households in Turkey with the bivariate probit model","authors":"Kübranur Çebi Karaaslan","doi":"10.1504/ijef.2022.124478","DOIUrl":"https://doi.org/10.1504/ijef.2022.124478","url":null,"abstract":"","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2022-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"66756126","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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