Pub Date : 2022-01-01DOI: 10.1504/ijef.2022.122182
N. Sivasankaran, A. Kanagaraj, D. Israel, R. Prasad
{"title":"The hungry energised allergic disease-ridden matrix for financial decision dilemmas of entrepreneurs","authors":"N. Sivasankaran, A. Kanagaraj, D. Israel, R. Prasad","doi":"10.1504/ijef.2022.122182","DOIUrl":"https://doi.org/10.1504/ijef.2022.122182","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":"66756081","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.2022.120351
Sandeep Kaur
{"title":"Analysing the impact of personal traits of credit assessors on credit risk assessment","authors":"Sandeep Kaur","doi":"10.1504/ijef.2022.120351","DOIUrl":"https://doi.org/10.1504/ijef.2022.120351","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":"66756054","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.2022.10044201
N. C. Devi, Anitha Kumari
{"title":"Determinants of users behavioral intention to use Blockchain technology in the Digital banking services","authors":"N. C. Devi, Anitha Kumari","doi":"10.1504/ijef.2022.10044201","DOIUrl":"https://doi.org/10.1504/ijef.2022.10044201","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":"66756091","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.2022.10044242
Israel Duraipandi, Kanagaraj Ayyalusamy, N. Sivasankaran, P. R
{"title":"The Hungry Energized Allergic Disease-Ridden (HEAD) Matrix for Financial Decision Dilemmas of Entrepreneurs","authors":"Israel Duraipandi, Kanagaraj Ayyalusamy, N. Sivasankaran, P. R","doi":"10.1504/ijef.2022.10044242","DOIUrl":"https://doi.org/10.1504/ijef.2022.10044242","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":"66756103","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 : 2021-06-11DOI: 10.1504/IJEF.2021.10038657
Timcy Sachdeva
Bitcoin is the world's first cryptocurrency which has largest market capitalization. The study aims to analyze the risk measures for the bitcoin and comparing with tradable asset classes that include the Standard and Poor's BSE 500, USD, Euro, GBP and the Gold future prices. The study uses the GARCH models to identify the components of world economies that bitcoin is sensitive too as against variables that impact the global financial prudence. The empirical results of the study reveal that against dollar and euro exchange rates bitcoin returns are more sensitive. Bitcoin can be used together with gold to diversify or eliminate explicit market risks. The study presents reasonable justification over the development and relationship between bitcoin and different traded assets that pose new challenges before the global investors. The implication of this paper for the strategic policy makers shows the sensitivity among tradeable assets.
{"title":"Estimating bitcoin and traded asset classes volatility using GARCH model","authors":"Timcy Sachdeva","doi":"10.1504/IJEF.2021.10038657","DOIUrl":"https://doi.org/10.1504/IJEF.2021.10038657","url":null,"abstract":"Bitcoin is the world's first cryptocurrency which has largest market capitalization. The study aims to analyze the risk measures for the bitcoin and comparing with tradable asset classes that include the Standard and Poor's BSE 500, USD, Euro, GBP and the Gold future prices. The study uses the GARCH models to identify the components of world economies that bitcoin is sensitive too as against variables that impact the global financial prudence. The empirical results of the study reveal that against dollar and euro exchange rates bitcoin returns are more sensitive. Bitcoin can be used together with gold to diversify or eliminate explicit market risks. The study presents reasonable justification over the development and relationship between bitcoin and different traded assets that pose new challenges before the global investors. The implication of this paper for the strategic policy makers shows the sensitivity among tradeable assets.","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-06-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"43825624","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 : 2021-06-11DOI: 10.1504/IJEF.2021.115647
Bhoomika Trehan, A. Sinha
The purpose of this study is to investigate the existence of confirmation bias among online investors participating in virtual communities. It further examines the factors such as perceived knowledge, investment experience, and gender that influence the confirmation bias. In the virtual communities, two types of participants were identified 'knowledge seekers' and 'knowledge contributors'. An online survey was conducted using structured questionnaire and the data was analysed with the application of relevant statistical tools. Investment-related virtual communities were found to be a great source of stock market-related news and investment ideas. The findings indicate that online investors exhibit confirmation bias as they join virtual communities to seek information that confirms their previous beliefs and opinions. The data was collected from online chat rooms where online investors interact and discuss investment trades. As many investors invest online without taking financial advice and guidance, their investment choices depend on their instinct and knowledge. Therefore, this study is of immense importance for both investors and investment advisors.
{"title":"A study of confirmation bias among online investors in virtual communities","authors":"Bhoomika Trehan, A. Sinha","doi":"10.1504/IJEF.2021.115647","DOIUrl":"https://doi.org/10.1504/IJEF.2021.115647","url":null,"abstract":"The purpose of this study is to investigate the existence of confirmation bias among online investors participating in virtual communities. It further examines the factors such as perceived knowledge, investment experience, and gender that influence the confirmation bias. In the virtual communities, two types of participants were identified 'knowledge seekers' and 'knowledge contributors'. An online survey was conducted using structured questionnaire and the data was analysed with the application of relevant statistical tools. Investment-related virtual communities were found to be a great source of stock market-related news and investment ideas. The findings indicate that online investors exhibit confirmation bias as they join virtual communities to seek information that confirms their previous beliefs and opinions. The data was collected from online chat rooms where online investors interact and discuss investment trades. As many investors invest online without taking financial advice and guidance, their investment choices depend on their instinct and knowledge. Therefore, this study is of immense importance for both investors and investment advisors.","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-06-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"44014160","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 : 2021-06-11DOI: 10.1504/IJEF.2021.10038668
Ashutosh Upadhyay, K. Reddy
This paper explores the measurement of digital financial inclusion (DFI) in India by analysing the parameters such as per capita bank accounts, cards, retail payment systems, internet and broadband connections from both the supply side and demand side data. We observe substantial gaps in the level of DFI brought out by these two datasets, with the supply side seeming to overestimate the level of digital financial inclusion. We also propose a theoretical model for equilibrium in demand and supply sides of DFI. Supply of DFI is divided into two components of 'autonomous' and 'induced' supply. We find that demand for and (induced) supply of DFI is directly proportional to the income level of users and the incentives provided for the usage of DFI products/services. For a sustainable model of DFI, both the demand and supply sides should balance and complement each other, and supply-side infrastructure should be available and scalable, to meet a higher level of demand for DFI.
{"title":"Digital financial inclusion - demand side vs. supply side approach","authors":"Ashutosh Upadhyay, K. Reddy","doi":"10.1504/IJEF.2021.10038668","DOIUrl":"https://doi.org/10.1504/IJEF.2021.10038668","url":null,"abstract":"This paper explores the measurement of digital financial inclusion (DFI) in India by analysing the parameters such as per capita bank accounts, cards, retail payment systems, internet and broadband connections from both the supply side and demand side data. We observe substantial gaps in the level of DFI brought out by these two datasets, with the supply side seeming to overestimate the level of digital financial inclusion. We also propose a theoretical model for equilibrium in demand and supply sides of DFI. Supply of DFI is divided into two components of 'autonomous' and 'induced' supply. We find that demand for and (induced) supply of DFI is directly proportional to the income level of users and the incentives provided for the usage of DFI products/services. For a sustainable model of DFI, both the demand and supply sides should balance and complement each other, and supply-side infrastructure should be available and scalable, to meet a higher level of demand for DFI.","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-06-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46783041","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 : 2021-06-11DOI: 10.7763/ijcte.2020.v12.1276
F. Masoodi, B. Pandow
The internet of things (IoT) has expanded at a very rapid rate over the last decade and revolutionised much of internet and devices technologies. Though much of transformation was driven by IoT, however, its implementation, security issues and other associated aspects still remain a matter of concern. The literature on the financial aspect of IoT is very scarce and this paper aims to fill this void and provide financial perspectives on IoT. The analysis of IoT banking and financial services industry is projected to expand from $249.5 million to USD2.03 billion by 2023: eight-time rise or a compound annual growth rate (CAGR) of around 52%. Furthermore, it was noted that the financial results of selected IoT firms had seen decent development over the past many years. In addition, there are several mergers and acquisitions in the IoT market, culminating in USD75.44 billion increase in the sector. One of the major challenges in IoT implementation in the financial industry is security and privacy. The inherent vulnerabilities in IoT devices can be exploited by the attacker, which makes it increasingly onerous for financial services firms to safeguard the system against phishing, data breaches, ransomware and other attacks.
{"title":"Internet of things: financial perspective and its associated security concerns","authors":"F. Masoodi, B. Pandow","doi":"10.7763/ijcte.2020.v12.1276","DOIUrl":"https://doi.org/10.7763/ijcte.2020.v12.1276","url":null,"abstract":"The internet of things (IoT) has expanded at a very rapid rate over the last decade and revolutionised much of internet and devices technologies. Though much of transformation was driven by IoT, however, its implementation, security issues and other associated aspects still remain a matter of concern. The literature on the financial aspect of IoT is very scarce and this paper aims to fill this void and provide financial perspectives on IoT. The analysis of IoT banking and financial services industry is projected to expand from $249.5 million to USD2.03 billion by 2023: eight-time rise or a compound annual growth rate (CAGR) of around 52%. Furthermore, it was noted that the financial results of selected IoT firms had seen decent development over the past many years. In addition, there are several mergers and acquisitions in the IoT market, culminating in USD75.44 billion increase in the sector. One of the major challenges in IoT implementation in the financial industry is security and privacy. The inherent vulnerabilities in IoT devices can be exploited by the attacker, which makes it increasingly onerous for financial services firms to safeguard the system against phishing, data breaches, ransomware and other attacks.","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-06-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47482333","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 : 2021-01-01DOI: 10.1504/ijef.2021.10041676
Cyril Mae Estipona Lopez, Karl Manuel Amistoso Gonzales, Jason Lim Chiu
{"title":"The Effects of Acculturation on Expatriate Workers' Motivation and Intention to Stay","authors":"Cyril Mae Estipona Lopez, Karl Manuel Amistoso Gonzales, Jason Lim Chiu","doi":"10.1504/ijef.2021.10041676","DOIUrl":"https://doi.org/10.1504/ijef.2021.10041676","url":null,"abstract":"","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"66755322","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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