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Influence of consumption values on adoption of cashless society in emerging economies: the mediating effect of cashless readiness 消费价值观对新兴经济体采用无现金社会的影响:无现金就绪程度的中介效应
IF 3 Q2 BUSINESS Pub Date : 2024-03-23 DOI: 10.1057/s41264-024-00273-9
Md. Jahidul Islam, Shahedul Hasan, Ather Yeasir Fahim

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.

随着数字化的发展,移动金融服务越来越受欢迎,因为它们提供了便捷、易用和安全的理财方式。由于全球越来越多的人开始使用移动技术,并开始习惯使用数字金融服务,预计这一趋势还将持续下去。因此,本研究探讨了消费价值观(如功能、社会和情感价值观)对采用无现金社会的影响,包括无现金准备程度的中介效应。本研究采用便利抽样法,通过定量研究方法共收集了 200 份问卷。研究表明,功能、社会和情感价值观对无现金准备程度有显著影响,而无现金准备程度又影响无现金社会的采用。此外,研究还揭示了无现金准备程度在消费价值观与采用无现金社会之间的中介关系。研究结果有助于移动金融服务提供商、银行机构和政府组织制定和设计战略,以增加使用数字支付系统的人数。
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引用次数: 0
The transformative service performance of InsurTech companies: using PLS-SEM and IPMA approach for examining the purchase behavior of InsurTech customers 保险科技公司的转型服务绩效:使用 PLS-SEM 和 IPMA 方法研究保险科技客户的购买行为
IF 3 Q2 BUSINESS Pub Date : 2024-03-23 DOI: 10.1057/s41264-024-00275-7
Kajul Bharti, Richa Agarwal, Akshay Kumar Satsangi

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.

印度保险公司预计数字化将成为其未来业务模式的支柱之一。因此,本研究通过客户感知价值、态度和购买意向,调查了保险科技公司网站服务对购买行为的各方面影响,并展示了数字化如何改善北方邦地区的保险购买行为。本研究采用结构方程模型和重要性-绩效图分析方法招募了 268 名印度客户。研究结果表明,在所有服务便利性维度(访问、搜索和评估便利性)和服务质量维度(可靠性和信任度)中,搜索便利性和信任度对感知价值有显著影响,而感知价值反过来又对态度和购买意向产生积极影响,并最终影响通过保险科技公司网站购买保单的购买行为。文章的结论部分探讨了管理意义、局限性和未来发展方向。
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引用次数: 0
Examining unethical sales practices in retail banking: a hermeneutic analysis of employee perceptions in Brazil 考察零售银行业的不道德销售行为:对巴西员工看法的诠释学分析
IF 3 Q2 BUSINESS Pub Date : 2024-03-23 DOI: 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.

本研究旨在从银行职员的角度调查零售银行业务中的不道德销售行为。我们的分析采用了解释学的方法,并运用诠释学的框架来探索信息提供者--巴西的 15 名银行职员--对其金融服务经历所描述的意义。借鉴有关组织中道德行为的文献和科尔伯格的认知道德发展理论,我们发现了企业销售行为中的自利模式,这种模式淡化了对不道德行为的任何责任承担,并利用消费者责任的话语将责任归咎于客户。我们的研究结果揭示了银行员工如何以及为何为自利销售行为辩护的机制,并为改善消费者代理和发展银行道德行为文化所需的行动提供了见解。我们揭示了银行员工的不道德行为是如何嵌入组织结构和流程的,组织成员是如何将这些行为内化为可允许甚至可取的行为的,以及组织成员是如何将这些行为传递给下一代员工的。
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引用次数: 0
Psychological needs and financial well-being: the role of consumer spending self-control 心理需求与财务状况:消费者支出自我控制的作用
IF 3 Q2 BUSINESS Pub Date : 2024-02-24 DOI: 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.

金融服务提供商不断努力开发创新型金融产品和服务,以满足客户需求,改善客户的金融福祉。以往的研究发现,心理需求的满足与心理健康和成长呈正相关,而心理需求的挫折则与问题行为和不良情绪相关。然而,心理需求是否与财务幸福感相关仍存在不确定性。此外,心理需求的满足与表现出自我控制等积极的日常行为有关,而心理需求的挫折则与不负责任的消费有关。消费可能是一种心理应对机制,因此,对消费行为的调节可能有助于财务健康。因此,本文的主要目的是探讨心理需求与财务幸福感之间的关系,并评估消费者的消费自控力是否可以作为这种关系的调节机制。数据是通过在线付费消费者小组向活跃于信贷市场的南非消费者发放的自填式问卷收集的。结果显示,CSSC 对心理需求和财务幸福感之间的关系具有中介作用。这凸显了发展和促进消费者支出自控作为财务幸福战略的重要性。
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引用次数: 0
Asymmetric and symmetric approaches to the extension of UTAUT2 in the M-payment adoption of Pakistani apps 巴基斯坦应用程序采用移动支付时UTAUT2扩展的非对称和对称方法
IF 3 Q2 BUSINESS Pub Date : 2024-02-22 DOI: 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.

先进技术为各种以技术为基础的发明铺平了道路,尤其是经济一体化。移动商务的概念在过去十年中一直受到关注。移动用户正逐渐从传统支付方式转向无现金移动应用。COVID-19 之后,日常生活中电子支付模式的使用显著增加,这就需要进一步调查影响移动支付(M-payment)应用的因素。有鉴于此,本研究旨在通过应用UTAUT-2 理论调查移动支付的采用情况,同时对其进行货币利益方面的扩展。数据收集自 302 名受访者,他们都是 JazzCash 和 Easypaisa 的现有用户。此外,本研究还利用偏最小二乘法-结构方程建模(PLS-SEM)和 fsQCA 方法加深了对所提模型的理解。研究结果表明,绩效预期、价格价值、习惯和金钱利益是影响巴基斯坦人采用移动支付的主要且更有效的动机。此外,本研究的结果还从消费者的角度深入分析了影响采用移动支付的主要指标,也有助于从业人员为其移动支付应用制定适当的策略。本研究是通过UTAUT-2 理论评估巴基斯坦发展中经济体采用移动支付情况的先驱,并增加了 JazzCash 和 Easypaisa 提供的现金返还、折扣和优惠等货币利益变量,从而推动了移动支付的采用意向。更重要的是,本研究还扩展了先前的研究,利用非对称方法和对称结论来探索预测采用 M-payment 的因果配置(即 UTAUT2 前因的组合)。
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引用次数: 0
Financial inclusion and sustainable development: A review and research agenda 金融普惠与可持续发展:回顾与研究议程
IF 3 Q2 BUSINESS Pub Date : 2024-02-14 DOI: 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.

摘要 本文献综述探讨了金融普惠与可持续发展之间的关系。它旨在确定这一研究领域的关键概念,并总结以往研究的主要发现。研究基于论文数量趋势、关键词分析以及对研究课题随时间推移的进展情况的考察。它确定了可持续发展的三个主要群组--经济、社会和环境,以及最主要的作者、国家、组织、最常被引用的论文、参考文献和期刊。本研究介绍了具体的趋势,突出了普惠金融在促进经济增长、减少收入不平等和贫困以及减缓气候变化方面的作用。本综述从一个全面的角度阐述了普惠金融在可持续发展中的作用,强调了将经济增长、社会公平和环境可持续性结合起来的综合战略的必要性。它为今后进一步探索这些关系的研究提出了建议,为政策制定者和利益相关者制定包容性可持续发展政策提供了宝贵的见解。
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引用次数: 0
Mobile banking: a bibliometric analysis 移动银行:文献计量分析
IF 3 Q2 BUSINESS Pub Date : 2024-02-01 DOI: 10.1057/s41264-024-00267-7
Kamlesh Kohli, Monika Kashyap, Mahendra Babu Kuruva, Sunil Tiwari

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.

本研究旨在分析与移动银行相关的关键词,重点关注其在 2003 年至 2023 年间的发展。为此,我们进行了系统的文献计量学分析,通过筛选 Scopus 数据库来确定出版物(机构、最著名作者、年份、国家和最常被引用的论文)。此外,还使用 VOSviewer 软件对关键词出现情况进行了分析。研究结果表明,世界范围内的发展趋势和产量的增加导致了各种变化。移动通信技术是移动银行业务在不同时期持续出现的一个突出主题。通过对移动银行主要术语起源的论证,可以看出该领域术语框架演变过程中的显著变化。因此,研究未来几十年的进展,特别是近期全球事件对全球移动银行使用演变的影响势在必行。此外,本研究还提出了一个概念框架,可为未来的研究工作提供指导,从而为现有文献增添了大量价值。该框架为研究人员在即将开展的研究中调查众多研究流提供了可能性。本研究在方法论方面做出了新的贡献。通过对 Scopus 和 Google Scholar 等研究数据库的深入研究,我们发现缺乏已发表的文献全面、广泛地论述多时期背景下的移动银行(m-banking)主题,特别是以应用的方式。此外,本研究通过实施文献计量分析和内容分析,填补了这一研究空白。
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引用次数: 0
Impact of financial literacy on savings behavior: the moderation role of risk aversion and financial confidence 金融知识对储蓄行为的影响:风险规避和金融信心的调节作用
IF 3 Q2 BUSINESS Pub Date : 2024-01-28 DOI: 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.

本研究探讨了金融知识对海湾合作委员会(GCC)地区投资者储蓄行为的影响。研究还探讨了金融信心和风险规避对金融知识与储蓄行为之间关系的调节作用。研究采用雪球抽样法,通过结构化问卷从 357 名受访者中收集了原始数据。研究结果表明,金融知识对投资者的储蓄行为有积极影响。此外,研究还发现,风险规避在很大程度上调节了金融素养与储蓄行为之间的关系。金融知识、风险规避和金融信心三者之间的交互作用对投资者的储蓄行为产生了重大影响。研究建议,政策制定者应重视对投资者进行金融知识、金融信心和风险规避方面的培训。
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引用次数: 0
The impact of personality traits, barriers and gamification on Gen X continuance intention for mobile credit bill payment apps. 个性特征、障碍和游戏化对 X 世代继续使用移动信用账单支付应用的意向的影响。
IF 3 Q2 BUSINESS Pub Date : 2023-12-14 DOI: 10.1057/s41264-023-00264-2
A. Ray, Muskan Jain, Lan Ma, Khalid Hussain Alhamzi, Ananya Ray, Long She
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引用次数: 0
Advertising value and privacy concerns in mobile advertising: the case of SMS advertising in banking 移动广告中的广告价值和隐私问题:银行业短信广告案例
IF 3 Q2 BUSINESS Pub Date : 2023-12-09 DOI: 10.1057/s41264-023-00263-3
Hui Shan Lom, Ai Chin Thoo, Weng Marc Lim, Kian Yeik Koay

In an increasingly mobile-centric world, how banks effectively engage consumers through mobile advertising is a pressing issue. This study aims to accomplish two objectives: The first is to assess how consumers respond to mobile advertising from banks, specifically via SMS, based on Ducoffe’s advertising value model, and the second is to examine the moderating effect of mobile users’ information privacy concerns (MUIPC) between consumer attitudes and acceptance of mobile advertising. Using a survey with 413 usable responses from individuals who have received SMS advertisements from banks, which were analyzed using partial least squares structural equation modeling (PLS-SEM), the study found that entertainment and informativeness significantly enhance advertising value, whereas irritation does not. Furthermore, advertising value positively shapes consumer attitudes toward, and acceptance of, SMS advertising from banks. Notably, MUIPC moderates the relationship between attitudes and acceptance behavior. Taken together, this study advances our understanding of consumer behavior in mobile advertising in the banking sector and underscores the need for balancing advertising value with privacy concerns.

在一个越来越以移动为中心的世界里,银行如何通过移动广告有效地吸引消费者是一个亟待解决的问题。本研究旨在实现两个目标:一是基于杜可菲的广告价值模型,评估消费者对银行移动广告(尤其是短信广告)的反应;二是研究移动用户对信息隐私的关注(MUIPC)在消费者态度和移动广告接受度之间的调节作用。研究使用偏最小二乘结构方程模型(PLS-SEM)对收到过银行短信广告的个人进行了调查,共收到 413 份可用回复,研究发现娱乐性和信息性能显著提升广告价值,而刺激性则不能。此外,广告价值会积极影响消费者对银行短信广告的态度和接受程度。值得注意的是,MUIPC 调节了态度和接受行为之间的关系。综上所述,本研究加深了我们对银行业移动广告消费者行为的理解,并强调了平衡广告价值与隐私问题的必要性。
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引用次数: 0
期刊
Journal of Financial Services Marketing
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