With the advancement of digitalization, mobile financial services have become increasingly popular as they offer convenient, accessible, and secure ways to manage finances. This trend is expected to continue because more people worldwide gain access to mobile technology and become comfortable with digital financial services. Thereby, this study explores the influence of consumption values, such as functional, social, and emotional values on the adoption of the cashless society, including the mediating effect of cashless readiness. Using a convenience sampling method, a total of 200 responses were collected through a quantitative research approach. The study reveals that functional, social, and emotional values significantly influence cashless readiness, which affects the adoption of a cashless society. Additionally, the research reveals that cashless readiness mediates the relationship between consumption values and the adoption of a cashless society. The findings can be useful for mobile financial service providers, banking institutions, and governmental organizations in formulating and designing strategies to increase the number of individuals using digital payment systems.
{"title":"Influence of consumption values on adoption of cashless society in emerging economies: the mediating effect of cashless readiness","authors":"Md. Jahidul Islam, Shahedul Hasan, Ather Yeasir Fahim","doi":"10.1057/s41264-024-00273-9","DOIUrl":"https://doi.org/10.1057/s41264-024-00273-9","url":null,"abstract":"<p>With the advancement of digitalization, mobile financial services have become increasingly popular as they offer convenient, accessible, and secure ways to manage finances. This trend is expected to continue because more people worldwide gain access to mobile technology and become comfortable with digital financial services. Thereby, this study explores the influence of consumption values, such as functional, social, and emotional values on the adoption of the cashless society, including the mediating effect of cashless readiness. Using a convenience sampling method, a total of 200 responses were collected through a quantitative research approach. The study reveals that functional, social, and emotional values significantly influence cashless readiness, which affects the adoption of a cashless society. Additionally, the research reveals that cashless readiness mediates the relationship between consumption values and the adoption of a cashless society. The findings can be useful for mobile financial service providers, banking institutions, and governmental organizations in formulating and designing strategies to increase the number of individuals using digital payment systems.</p>","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":null,"pages":null},"PeriodicalIF":3.0,"publicationDate":"2024-03-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140203825","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}
Indian insurance companies anticipate digitalization becoming one of the mainstays of their business model in the future. So, this study investigated the various aspects of InsurTech companies’ website services' effect on purchase behavior through customer perceived value, attitude, and purchase intention and showed how digitization improves insurance purchasing in the Uttar Pradesh region. For this study, 268 Indian customers were recruited using the Structural Equation Modeling and Importance-Performance Map Analysis approach. The findings showed that search convenience and trust, out of all the service convenience dimensions (access, search, and evaluation convenience) and service quality dimensions (reliability and trust), significantly impacted perceived value, which in turn positively influenced attitude and purchase intention and ultimately purchase behavior for purchasing a policy through InsurTech companies’ websites. The concluding segment of the article addresses the management implications, limitations, and future directions.
{"title":"The transformative service performance of InsurTech companies: using PLS-SEM and IPMA approach for examining the purchase behavior of InsurTech customers","authors":"Kajul Bharti, Richa Agarwal, Akshay Kumar Satsangi","doi":"10.1057/s41264-024-00275-7","DOIUrl":"https://doi.org/10.1057/s41264-024-00275-7","url":null,"abstract":"<p>Indian insurance companies anticipate digitalization becoming one of the mainstays of their business model in the future. So, this study investigated the various aspects of InsurTech companies’ website services' effect on purchase behavior through customer perceived value, attitude, and purchase intention and showed how digitization improves insurance purchasing in the Uttar Pradesh region. For this study, 268 Indian customers were recruited using the Structural Equation Modeling and Importance-Performance Map Analysis approach. The findings showed that search convenience and trust, out of all the service convenience dimensions (access, search, and evaluation convenience) and service quality dimensions (reliability and trust), significantly impacted perceived value, which in turn positively influenced attitude and purchase intention and ultimately purchase behavior for purchasing a policy through InsurTech companies’ websites. The concluding segment of the article addresses the management implications, limitations, and future directions.</p>","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":null,"pages":null},"PeriodicalIF":3.0,"publicationDate":"2024-03-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140203749","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 : 2024-03-23DOI: 10.1057/s41264-024-00274-8
Roberta Gabriela Basílio, Mateus Canniatti Ponchio, Rafaela Almeida Cordeiro
This study aims to investigate unethical sales practices in retail banking from the perspective of bank employees. Our analysis adopted an interpretative approach, and we applied a hermeneutic framework to explore the meanings that the informants—fifteen bank employees in Brazil—ascribed to their experiences of financial services. Drawing on the literature on ethical behavior in organizations and Kohlberg’s cognitive moral development theory, we identify patterns of self-interested corporate sales practices that dilute the assumption of any responsibility for unethical behavior and blame customers using the discourse of consumer responsibility. Our findings reveal the mechanisms of how and why bank employees justify self-interested sales practices, and we offer insights into the actions needed to improve consumer agency and develop a culture of ethical behavior in banks. We shed new light on how bank employees’ unethical acts become embedded in organizational structures and processes, how behaviors are internalized by members of the organization as being permissible and even desirable behavior, and how members pass along such behaviors to next generations of employees.
{"title":"Examining unethical sales practices in retail banking: a hermeneutic analysis of employee perceptions in Brazil","authors":"Roberta Gabriela Basílio, Mateus Canniatti Ponchio, Rafaela Almeida Cordeiro","doi":"10.1057/s41264-024-00274-8","DOIUrl":"https://doi.org/10.1057/s41264-024-00274-8","url":null,"abstract":"<p>This study aims to investigate unethical sales practices in retail banking from the perspective of bank employees. Our analysis adopted an interpretative approach, and we applied a hermeneutic framework to explore the meanings that the informants—fifteen bank employees in Brazil—ascribed to their experiences of financial services. Drawing on the literature on ethical behavior in organizations and Kohlberg’s cognitive moral development theory, we identify patterns of self-interested corporate sales practices that dilute the assumption of any responsibility for unethical behavior and blame customers using the discourse of consumer responsibility. Our findings reveal the mechanisms of how and why bank employees justify self-interested sales practices, and we offer insights into the actions needed to improve consumer agency and develop a culture of ethical behavior in banks. We shed new light on how bank employees’ unethical acts become embedded in organizational structures and processes, how behaviors are internalized by members of the organization as being permissible and even desirable behavior, and how members pass along such behaviors to next generations of employees.</p>","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":null,"pages":null},"PeriodicalIF":3.0,"publicationDate":"2024-03-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140203751","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 : 2024-02-24DOI: 10.1057/s41264-024-00270-y
Laureane du Plessis, Yolanda Jordaan, Liezl-Marié van der Westhuizen
Financial service providers continually strive to develop innovative financial products and services that address customer needs and aim to improve customers’ financial well-being. Previous studies discovered that psychological need satisfaction is positively associated with psychological well-being and growth, while psychological need frustration is associated with problematic behaviour and ill-being. However, uncertainty still exists as to whether psychological needs are associated with financial well-being. Furthermore, whereas psychological need satisfaction is associated with positive day-to-day behaviours such as exhibiting self-control, psychological need frustration has been associated with irresponsible spending. Spending can be a psychological coping mechanism, and as such, the regulation of spending behaviour may aid financial well-being. Therefore, the main purpose of this article is to explore the relationship between psychological needs and financial well-being, and to assess whether consumer spending self-control can act as a regulating mechanism in this relationship. Data were collected by means of a self-administered questionnaire distributed via an online paid-for consumer panel to credit-active South African consumers. The results revealed that CSSC had a mediating effect on the relationships between psychological needs and financial well-being. This highlights the importance of developing and promoting consumer spending self-control as a strategy for financial well-being.
{"title":"Psychological needs and financial well-being: the role of consumer spending self-control","authors":"Laureane du Plessis, Yolanda Jordaan, Liezl-Marié van der Westhuizen","doi":"10.1057/s41264-024-00270-y","DOIUrl":"https://doi.org/10.1057/s41264-024-00270-y","url":null,"abstract":"<p>Financial service providers continually strive to develop innovative financial products and services that address customer needs and aim to improve customers’ financial well-being. Previous studies discovered that psychological need satisfaction is positively associated with psychological well-being and growth, while psychological need frustration is associated with problematic behaviour and ill-being. However, uncertainty still exists as to whether psychological needs are associated with financial well-being. Furthermore, whereas psychological need satisfaction is associated with positive day-to-day behaviours such as exhibiting self-control, psychological need frustration has been associated with irresponsible spending. Spending can be a psychological coping mechanism, and as such, the regulation of spending behaviour may aid financial well-being. Therefore, the main purpose of this article is to explore the relationship between psychological needs and financial well-being, and to assess whether consumer spending self-control can act as a regulating mechanism in this relationship. Data were collected by means of a self-administered questionnaire distributed via an online paid-for consumer panel to credit-active South African consumers. The results revealed that CSSC had a mediating effect on the relationships between psychological needs and financial well-being. This highlights the importance of developing and promoting consumer spending self-control as a strategy for financial well-being.</p>","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":null,"pages":null},"PeriodicalIF":3.0,"publicationDate":"2024-02-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139950371","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 : 2024-02-22DOI: 10.1057/s41264-024-00266-8
Waseem Anwar, Amir Zaib Abbasi, Mousa Albashrawi, Ghazanfar Ali Abbasi, Umm-e-Habiba
Advanced technologies pave the way for a variety of technology-based inventions, especially economic integrations. The idea of mobile commerce has been under consideration for the past decade. Mobile users are gradually shifting from traditional modes of payment to cashless mobile applications. After COVID-19, the use of e-modes for payments in our daily routine lives increased significantly, which requires further investigation of the factors affecting the adoption of mobile payment (M-payment) applications. Given that, this study aims to investigate the adoption of M-payment through the application of UTAUT-2 theory while extending it with monetary benefit. The data were collected from 302 respondents who were the current users of JazzCash and Easypaisa. Furthermore, this study furnishes a deeper understanding of the proposed model by utilizing the partial least squares–structural equation modeling (PLS-SEM) and fsQCA approach. The findings of this research highlight that performance expectancy, price value, habit, and monetary benefit are the major and more effective motives that influence the adoption of M-payment in Pakistan. Further, the findings of this study provide an in-depth insight into consumer perspective about the major indicators that influence the adoption of M-payment and can also help practitioners deploy an appropriate strategy for their M-payment application. This study is the pioneer in evaluating the adoption of M-payment in the developing economy of Pakistan through UTAUT-2 theory with additional variable of monetary benefit offered by JazzCash and Easypaisa in terms of cashback, discounts, and perks that drive the adoption intention for M-payment. More importantly, this study also extends the prior studies by utilizing the asymmetrical approach with symmetrical findings to explore the causal configurations (i.e., the combination of UTAUT2 antecedents) predicting the adoption of M-payment.
{"title":"Asymmetric and symmetric approaches to the extension of UTAUT2 in the M-payment adoption of Pakistani apps","authors":"Waseem Anwar, Amir Zaib Abbasi, Mousa Albashrawi, Ghazanfar Ali Abbasi, Umm-e-Habiba","doi":"10.1057/s41264-024-00266-8","DOIUrl":"https://doi.org/10.1057/s41264-024-00266-8","url":null,"abstract":"<p>Advanced technologies pave the way for a variety of technology-based inventions, especially economic integrations. The idea of mobile commerce has been under consideration for the past decade. Mobile users are gradually shifting from traditional modes of payment to cashless mobile applications. After COVID-19, the use of e-modes for payments in our daily routine lives increased significantly, which requires further investigation of the factors affecting the adoption of mobile payment (M-payment) applications. Given that, this study aims to investigate the adoption of M-payment through the application of UTAUT-2 theory while extending it with monetary benefit. The data were collected from 302 respondents who were the current users of JazzCash and Easypaisa. Furthermore, this study furnishes a deeper understanding of the proposed model by utilizing the partial least squares–structural equation modeling (PLS-SEM) and fsQCA approach. The findings of this research highlight that performance expectancy, price value, habit, and monetary benefit are the major and more effective motives that influence the adoption of M-payment in Pakistan. Further, the findings of this study provide an in-depth insight into consumer perspective about the major indicators that influence the adoption of M-payment and can also help practitioners deploy an appropriate strategy for their M-payment application. This study is the pioneer in evaluating the adoption of M-payment in the developing economy of Pakistan through UTAUT-2 theory with additional variable of monetary benefit offered by JazzCash and Easypaisa in terms of cashback, discounts, and perks that drive the adoption intention for M-payment. More importantly, this study also extends the prior studies by utilizing the asymmetrical approach with symmetrical findings to explore the causal configurations (i.e., the combination of UTAUT2 antecedents) predicting the adoption of M-payment.</p>","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":null,"pages":null},"PeriodicalIF":3.0,"publicationDate":"2024-02-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139950398","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 : 2024-02-14DOI: 10.1057/s41264-024-00269-5
Abstract
This bibliometric review explores the relationship between financial inclusion and sustainable development. It aims to identify key concepts in this research area and summarize the main findings of previous studies. The study is based on trends in the number of papers, keyword analysis, and an examination of the progression of the research topics over time. It identifies three main clusters of sustainable development—economic, social, and environmental—as well as the top authors, countries, organizations, the most frequently cited papers, reference papers, and journals. The study presents specific trends highlighting the role of financial inclusion in promoting economic growth, reducing income inequality and poverty, and mitigating climate change. This review provides a comprehensive perspective on the role of financial inclusion in sustainable development, emphasizing the need for integrated strategies that combine economic growth, social equity, and environmental sustainability. It recommends ideas for future research to further explore these relationships, providing valuable insights for policymakers and stakeholders in developing inclusive and sustainable development policies.
{"title":"Financial inclusion and sustainable development: A review and research agenda","authors":"","doi":"10.1057/s41264-024-00269-5","DOIUrl":"https://doi.org/10.1057/s41264-024-00269-5","url":null,"abstract":"<h3>Abstract</h3> <p>This bibliometric review explores the relationship between financial inclusion and sustainable development. It aims to identify key concepts in this research area and summarize the main findings of previous studies. The study is based on trends in the number of papers, keyword analysis, and an examination of the progression of the research topics over time. It identifies three main clusters of sustainable development—economic, social, and environmental—as well as the top authors, countries, organizations, the most frequently cited papers, reference papers, and journals. The study presents specific trends highlighting the role of financial inclusion in promoting economic growth, reducing income inequality and poverty, and mitigating climate change. This review provides a comprehensive perspective on the role of financial inclusion in sustainable development, emphasizing the need for integrated strategies that combine economic growth, social equity, and environmental sustainability. It recommends ideas for future research to further explore these relationships, providing valuable insights for policymakers and stakeholders in developing inclusive and sustainable development policies.</p>","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":null,"pages":null},"PeriodicalIF":3.0,"publicationDate":"2024-02-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139771827","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}
This study aims to analyze the keywords related to mobile banking by focusing on its development between 2003 and 2023. To do so, a systematic bibliometric analysis is undertaken, for which, the screening of Scopus database was done to identify the publication (institutions, most-prolific authors, year-wise, countries-wise and most-cited papers). Additionally, keyword occurrence analysis was also done using the VOSviewer software. The results of the study indicate that there are worldwide trends and increased production that have resulted in various changes. One prominent topic that consistently emerges in relation to mobile banking across different time periods is mobile telecommunication technologies. Through the demonstration of the origination of major terminologies in mobile banking, notable shifts in the evolution of the field's terminological framework were discernible. Hence, it is imperative to investigate the progress in forthcoming decades, specifically the impact of recent global events on the evolution of mobile banking usage worldwide. Furthermore, the current study adds substantial value to the existing body of literature by presenting a conceptual framework that might guide future research endeavors. The framework offers researchers the potential to investigate the many study streams in forthcoming studies. The present study represents a novel contribution in terms of its methodology. A thorough examination of research databases, such as Scopus and Google Scholar, reveals a lack of published literature that comprehensively and extensively addresses the topic of mobile banking (m-banking) in a multi-period context, particularly in an applied manner. Moreover, the present study addresses this research gap by the implementation of a bibliometric analysis and content analysis.
{"title":"Mobile banking: a bibliometric analysis","authors":"Kamlesh Kohli, Monika Kashyap, Mahendra Babu Kuruva, Sunil Tiwari","doi":"10.1057/s41264-024-00267-7","DOIUrl":"https://doi.org/10.1057/s41264-024-00267-7","url":null,"abstract":"<p>This study aims to analyze the keywords related to mobile banking by focusing on its development between 2003 and 2023. To do so, a systematic bibliometric analysis is undertaken, for which, the screening of Scopus database was done to identify the publication (institutions, most-prolific authors, year-wise, countries-wise and most-cited papers). Additionally, keyword occurrence analysis was also done using the VOSviewer software. The results of the study indicate that there are worldwide trends and increased production that have resulted in various changes. One prominent topic that consistently emerges in relation to mobile banking across different time periods is mobile telecommunication technologies. Through the demonstration of the origination of major terminologies in mobile banking, notable shifts in the evolution of the field's terminological framework were discernible. Hence, it is imperative to investigate the progress in forthcoming decades, specifically the impact of recent global events on the evolution of mobile banking usage worldwide. Furthermore, the current study adds substantial value to the existing body of literature by presenting a conceptual framework that might guide future research endeavors. The framework offers researchers the potential to investigate the many study streams in forthcoming studies. The present study represents a novel contribution in terms of its methodology. A thorough examination of research databases, such as Scopus and Google Scholar, reveals a lack of published literature that comprehensively and extensively addresses the topic of mobile banking (m-banking) in a multi-period context, particularly in an applied manner. Moreover, the present study addresses this research gap by the implementation of a bibliometric analysis and content analysis.</p>","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":null,"pages":null},"PeriodicalIF":3.0,"publicationDate":"2024-02-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139678698","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 : 2024-01-28DOI: 10.1057/s41264-023-00265-1
S. Ananda, Raghavendra Prasanna Kumar, Tamanna Dalwai
This research examines the impact of financial literacy on the savings behavior of investors residing in the Gulf Cooperation Council (GCC) region. It also investigates the moderating impact of financial confidence and risk aversion in the relationship between financial literacy and savings behavior. The primary data were collected from 357 respondents through a structured questionnaire using the snowball sampling method. The findings of this study suggest that financial literacy has a positive impact on investors' savings behavior. Further, the study also found that risk aversion significantly moderates the relationship between financial literacy and savings behavior. The three-way interaction between financial literacy, risk aversion, and financial confidence significantly affects the investors’ savings behavior. The study suggests that policymakers should emphasize training programs for investors on financial literacy, financial confidence, and risk aversion.
{"title":"Impact of financial literacy on savings behavior: the moderation role of risk aversion and financial confidence","authors":"S. Ananda, Raghavendra Prasanna Kumar, Tamanna Dalwai","doi":"10.1057/s41264-023-00265-1","DOIUrl":"https://doi.org/10.1057/s41264-023-00265-1","url":null,"abstract":"<p>This research examines the impact of financial literacy on the savings behavior of investors residing in the Gulf Cooperation Council (GCC) region. It also investigates the moderating impact of financial confidence and risk aversion in the relationship between financial literacy and savings behavior. The primary data were collected from 357 respondents through a structured questionnaire using the snowball sampling method. The findings of this study suggest that financial literacy has a positive impact on investors' savings behavior. Further, the study also found that risk aversion significantly moderates the relationship between financial literacy and savings behavior. The three-way interaction between financial literacy, risk aversion, and financial confidence significantly affects the investors’ savings behavior. The study suggests that policymakers should emphasize training programs for investors on financial literacy, financial confidence, and risk aversion.</p>","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":null,"pages":null},"PeriodicalIF":3.0,"publicationDate":"2024-01-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139581971","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 : 2023-12-14DOI: 10.1057/s41264-023-00264-2
A. Ray, Muskan Jain, Lan Ma, Khalid Hussain Alhamzi, Ananya Ray, Long She
{"title":"The impact of personality traits, barriers and gamification on Gen X continuance intention for mobile credit bill payment apps.","authors":"A. Ray, Muskan Jain, Lan Ma, Khalid Hussain Alhamzi, Ananya Ray, Long She","doi":"10.1057/s41264-023-00264-2","DOIUrl":"https://doi.org/10.1057/s41264-023-00264-2","url":null,"abstract":"","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":null,"pages":null},"PeriodicalIF":3.0,"publicationDate":"2023-12-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139003291","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}