Pub Date : 2020-01-01DOI: 10.1504/ijef.2020.10032643
J. Vong, D. Dang
{"title":"Revisiting bank profitability, performance and stability in Asia Pacific (2012-2018) using the EAGLES framework","authors":"J. Vong, D. Dang","doi":"10.1504/ijef.2020.10032643","DOIUrl":"https://doi.org/10.1504/ijef.2020.10032643","url":null,"abstract":"","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2020-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"66755735","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 : 2020-01-01DOI: 10.1504/ijef.2020.10032633
S. Mansumitrchai, H. Ho, Jason Lim Chiu, C. Chiu
{"title":"Strategies and developments of Philippine telecommunications industry: revisiting the struggle, liberalisation and innovations","authors":"S. Mansumitrchai, H. Ho, Jason Lim Chiu, C. Chiu","doi":"10.1504/ijef.2020.10032633","DOIUrl":"https://doi.org/10.1504/ijef.2020.10032633","url":null,"abstract":"","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2020-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"66755616","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 : 2019-12-05DOI: 10.1504/ijef.2019.10025680
H. Baber
Despite the rise of FinTech, the definition of this sector is still vague. The services offered by FinTech differ widely, but all share some commonalities. As FinTech is a growing service sector, there is a need to check the service quality offered by the different service providers. The study was conducted on Islamic banks of Malaysia and UAE which offer Fintech services to their customers. A 26-item questionnaire was used to gather data from 325 customers by strata sampling. Statistical data was analysed through various tests like reliability analysis, sample adequacy, factor analysis and regression analysis using SPSS 25.0. Shariah compliance variable was added to the e-SERVQUAL model to make it relevant for Islamic banks. This study found that Shariah compliance information, site aesthetic, efficient and reliable services, and fulfilment of promises and transaction has a significant impact on the customer satisfaction in Islamic banks for the FinTech services offered.
{"title":"Relevance of e-SERVQUAL for determining the quality of FinTech services","authors":"H. Baber","doi":"10.1504/ijef.2019.10025680","DOIUrl":"https://doi.org/10.1504/ijef.2019.10025680","url":null,"abstract":"Despite the rise of FinTech, the definition of this sector is still vague. The services offered by FinTech differ widely, but all share some commonalities. As FinTech is a growing service sector, there is a need to check the service quality offered by the different service providers. The study was conducted on Islamic banks of Malaysia and UAE which offer Fintech services to their customers. A 26-item questionnaire was used to gather data from 325 customers by strata sampling. Statistical data was analysed through various tests like reliability analysis, sample adequacy, factor analysis and regression analysis using SPSS 25.0. Shariah compliance variable was added to the e-SERVQUAL model to make it relevant for Islamic banks. This study found that Shariah compliance information, site aesthetic, efficient and reliable services, and fulfilment of promises and transaction has a significant impact on the customer satisfaction in Islamic banks for the FinTech services offered.","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2019-12-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46341316","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 : 2019-12-05DOI: 10.1504/ijef.2019.10025686
Wondwossen Jerene, D. Sharma
This study was aimed to investigate factors that determine bank customers' intention to adopt electronic banking technologies and electronic financial services in Ethiopia. The TAM model was used that constructed with perceived financial trust, perceived financial risk, subjective norm, and awareness as exogenous factors that predict bank customers' intention to adopt digital technologies. Self-administered questionnaire was used for data collected from 412 bank customers and the exploratory factor analysis (EFA) of data confirmed it was internally consistent enough to measure each factor. Similarly, the confirmatory factor analysis (CFA) of data was revealed that there was no concern of convergent and discriminant validity. According to SEM analysis using AMOS, the finding of the study shows perceived ease of use, perceived usefulness, perceived financial trust, subjective norm and awareness about new electronic banking technology positively predict bank customers' intention to adopt it. However, perceived financial risk negatively influences customers' intention to adopt banking technology and researchers' suggestions were forwarded in the paper.
{"title":"The adoption of banking technology and electronic financial services: evidence from selected bank customers in Ethiopia","authors":"Wondwossen Jerene, D. Sharma","doi":"10.1504/ijef.2019.10025686","DOIUrl":"https://doi.org/10.1504/ijef.2019.10025686","url":null,"abstract":"This study was aimed to investigate factors that determine bank customers' intention to adopt electronic banking technologies and electronic financial services in Ethiopia. The TAM model was used that constructed with perceived financial trust, perceived financial risk, subjective norm, and awareness as exogenous factors that predict bank customers' intention to adopt digital technologies. Self-administered questionnaire was used for data collected from 412 bank customers and the exploratory factor analysis (EFA) of data confirmed it was internally consistent enough to measure each factor. Similarly, the confirmatory factor analysis (CFA) of data was revealed that there was no concern of convergent and discriminant validity. According to SEM analysis using AMOS, the finding of the study shows perceived ease of use, perceived usefulness, perceived financial trust, subjective norm and awareness about new electronic banking technology positively predict bank customers' intention to adopt it. However, perceived financial risk negatively influences customers' intention to adopt banking technology and researchers' suggestions were forwarded in the paper.","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2019-12-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47914676","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 : 2019-04-11DOI: 10.1504/IJEF.2019.10020410
T. Tiwari, Alpana Srivastava, Surendra Kumar
India is home to 17.5% of the world's population and nearly 76% of its adult population does not understand even the basic financial concepts. Post-independence, Government of India has put continued effort to include more and more people and entities under the sphere of banking and financial services. Indian banking history has witnessed reforms, liberalisation and privatisation. Over the time innovation in digital technologies has led to adoption of digital payments to boost slow penetration of financial inclusion (FI). In this study, it has been tried to find the current state of digital financial inclusion (DFI) and reasons for its poor performance and challenges. This study can help in removing lacunas in the program and help in better implementation of DFI and there by achieving the goal of FI at broader level. Results suggest that education, awareness and internet accessing devices are three major reasons behind lower penetration of digital payments in India.
{"title":"Adoption of digital payment methods in India","authors":"T. Tiwari, Alpana Srivastava, Surendra Kumar","doi":"10.1504/IJEF.2019.10020410","DOIUrl":"https://doi.org/10.1504/IJEF.2019.10020410","url":null,"abstract":"India is home to 17.5% of the world's population and nearly 76% of its adult population does not understand even the basic financial concepts. Post-independence, Government of India has put continued effort to include more and more people and entities under the sphere of banking and financial services. Indian banking history has witnessed reforms, liberalisation and privatisation. Over the time innovation in digital technologies has led to adoption of digital payments to boost slow penetration of financial inclusion (FI). In this study, it has been tried to find the current state of digital financial inclusion (DFI) and reasons for its poor performance and challenges. This study can help in removing lacunas in the program and help in better implementation of DFI and there by achieving the goal of FI at broader level. Results suggest that education, awareness and internet accessing devices are three major reasons behind lower penetration of digital payments in India.","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2019-04-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47860223","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 : 2019-04-09DOI: 10.1504/IJEF.2019.10020399
M. Hendricks, Adheesh Budree
This paper investigates developing a conceptual model for credit scoring microfinance in South Africa. This poses an issue as the demand for micro-lending arise primarily from the lowest income groups who are normally found in rural or peri-urban areas and are not easily accessible. Current literature and research on credit scoring models within microfinance for low-income groups was found to be extremely limited. Based on current research, this paper assessed the use of collateral and collateral substitutes, innovative methods behind credit scoring and mobile technology which could drive a credit scoring model to provide access to underprivileged citizens. Based on the findings of this study, a best practice conceptual model that develops a form of credit scorecard based on an applicant's social media credit score, psychometric score, mobile credit score and the presence of collateral and collateral substitutes that can help increase accessibility of microfinance to underprivileged recipients was developed.
{"title":"Can a mobile credit-scoring model provide better accessibility to South African citizens requiring micro-lending","authors":"M. Hendricks, Adheesh Budree","doi":"10.1504/IJEF.2019.10020399","DOIUrl":"https://doi.org/10.1504/IJEF.2019.10020399","url":null,"abstract":"This paper investigates developing a conceptual model for credit scoring microfinance in South Africa. This poses an issue as the demand for micro-lending arise primarily from the lowest income groups who are normally found in rural or peri-urban areas and are not easily accessible. Current literature and research on credit scoring models within microfinance for low-income groups was found to be extremely limited. Based on current research, this paper assessed the use of collateral and collateral substitutes, innovative methods behind credit scoring and mobile technology which could drive a credit scoring model to provide access to underprivileged citizens. Based on the findings of this study, a best practice conceptual model that develops a form of credit scorecard based on an applicant's social media credit score, psychometric score, mobile credit score and the presence of collateral and collateral substitutes that can help increase accessibility of microfinance to underprivileged recipients was developed.","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2019-04-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46743130","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 : 2019-04-09DOI: 10.1504/IJEF.2019.10020409
A. Moradi, M. Alizadeh, M. Samadi, R. Yusof
Exchange rate has been always a focal point for researchers within international scope. Globalisation and the role of exchange rate create a challenging market where short-term prediction is concerned. The ability to predict the exchange rate is a challenging topic for professionals and practitioners. This paper proposes a method to address the current issues of predicting the market changes using characteristics of financial time series. The main idea is that neural network and support vector machine (SVM) approaches are employed to train and test the results in different instances. Findings indicate the superiority of correct sets over incorrect, while criteria sets had been sometimes better results. Furthermore, linear kernel was more likely to encounter convergence problems than other types which oppose to primary dataset. Finally, the accuracy of the proposed prediction methods is analysed and compared with related works.
{"title":"Understanding the characteristics of financial time series through neural network and SVM approaches","authors":"A. Moradi, M. Alizadeh, M. Samadi, R. Yusof","doi":"10.1504/IJEF.2019.10020409","DOIUrl":"https://doi.org/10.1504/IJEF.2019.10020409","url":null,"abstract":"Exchange rate has been always a focal point for researchers within international scope. Globalisation and the role of exchange rate create a challenging market where short-term prediction is concerned. The ability to predict the exchange rate is a challenging topic for professionals and practitioners. This paper proposes a method to address the current issues of predicting the market changes using characteristics of financial time series. The main idea is that neural network and support vector machine (SVM) approaches are employed to train and test the results in different instances. Findings indicate the superiority of correct sets over incorrect, while criteria sets had been sometimes better results. Furthermore, linear kernel was more likely to encounter convergence problems than other types which oppose to primary dataset. Finally, the accuracy of the proposed prediction methods is analysed and compared with related works.","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2019-04-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45962381","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 : 2019-04-09DOI: 10.1504/IJEF.2019.10020401
C. Chiu, Jason Lim Chiu, S. Mansumitrchai
Several studies suggest that consumers have not adopted online banking system to the same degree primarily because of online trust related issues. It is a long-term barrier for realising the potentials of B2C banking innovations. However, current literature relating to trust in online banking arguably falls short in at least two areas. First, lack of comprehensive study detailing the stages of trust as mediating variable between antecedents and consequence in order to understand consumers' online trust formation on self-service technologies. Second, most prior studies focus only on the general concept and effect of trust on consumer behavioural intention, adoption decision, and utilisation of innovations. This study tries to fill these gaps by systematically analysing online trust based on behavioural adoption models and technology acceptance theories as a fundamental prerequisite of B2C relationship in the retail industry, leading to the positive adoption of innovation.
{"title":"Stages in the development of consumers' online trust as mediating variable in online banking system: a proposed model","authors":"C. Chiu, Jason Lim Chiu, S. Mansumitrchai","doi":"10.1504/IJEF.2019.10020401","DOIUrl":"https://doi.org/10.1504/IJEF.2019.10020401","url":null,"abstract":"Several studies suggest that consumers have not adopted online banking system to the same degree primarily because of online trust related issues. It is a long-term barrier for realising the potentials of B2C banking innovations. However, current literature relating to trust in online banking arguably falls short in at least two areas. First, lack of comprehensive study detailing the stages of trust as mediating variable between antecedents and consequence in order to understand consumers' online trust formation on self-service technologies. Second, most prior studies focus only on the general concept and effect of trust on consumer behavioural intention, adoption decision, and utilisation of innovations. This study tries to fill these gaps by systematically analysing online trust based on behavioural adoption models and technology acceptance theories as a fundamental prerequisite of B2C relationship in the retail industry, leading to the positive adoption of innovation.","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2019-04-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46423151","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 : 2019-04-03DOI: 10.1504/IJEF.2019.10020412
Safiat Ali Saber Ali, Kamal Eldin Eldaw, M. Alsmadi, Ibrahim Almarashdeh
This present study scrutinises the factors determining the magnitude of deposits of commercial banks operating in Sudan during the period from 1970 to 2012. Factors under scrutiny are inflation rate, total credit as a percentage of GDP, interest rate (profit margin), money supply as the GDP percentage and per capita GDP. This study utilises the approach of autoregressive distributed lag (ARDL) to co-integration and the related error correction model (ECM) for the examination of the factors. The main results obtained suggest that within the long-run, inflation and money supply show negative impacts on total deposits. Conversely, credit, interest rate (profit margin) and real per capita GDP have positive impact on total deposits. Within the short-run, using OLS method, although nearly variables demonstrate that they are statistically significant, they are exhibiting the wrong signs. Nevertheless, the coefficient of the lagged residual (ECt−1) within the ECM model has the correct sign and is highly significant which implies that in the long-run equilibrium, the dependent variable has the inclination for adapting to any deviations.
{"title":"Determinants of deposit of commercial banks in Sudan: an empirical investigation (1970-2012)","authors":"Safiat Ali Saber Ali, Kamal Eldin Eldaw, M. Alsmadi, Ibrahim Almarashdeh","doi":"10.1504/IJEF.2019.10020412","DOIUrl":"https://doi.org/10.1504/IJEF.2019.10020412","url":null,"abstract":"This present study scrutinises the factors determining the magnitude of deposits of commercial banks operating in Sudan during the period from 1970 to 2012. Factors under scrutiny are inflation rate, total credit as a percentage of GDP, interest rate (profit margin), money supply as the GDP percentage and per capita GDP. This study utilises the approach of autoregressive distributed lag (ARDL) to co-integration and the related error correction model (ECM) for the examination of the factors. The main results obtained suggest that within the long-run, inflation and money supply show negative impacts on total deposits. Conversely, credit, interest rate (profit margin) and real per capita GDP have positive impact on total deposits. Within the short-run, using OLS method, although nearly variables demonstrate that they are statistically significant, they are exhibiting the wrong signs. Nevertheless, the coefficient of the lagged residual (ECt−1) within the ECM model has the correct sign and is highly significant which implies that in the long-run equilibrium, the dependent variable has the inclination for adapting to any deviations.","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2019-04-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"44103047","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 : 2019-01-01DOI: 10.1504/ijef.2019.10021139
Senthil Kumar A, Arun Palanisamy Y
{"title":"Examining the Consumers Preference towards adopting the Mobile Payment System","authors":"Senthil Kumar A, Arun Palanisamy Y","doi":"10.1504/ijef.2019.10021139","DOIUrl":"https://doi.org/10.1504/ijef.2019.10021139","url":null,"abstract":"","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2019-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"66755560","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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