Pub Date : 2023-10-05DOI: 10.1057/s41264-023-00248-2
Rakshith Bhandary, Sandeep S. Shenoy, Ankitha Shetty, Adithya D. Shetty
Abstract Education is a significant contributor to human capital. Financial assistance for education through institutional loan serves as the key element for human development, and loan repayment without default makes the education loan product self-sustainable. The systematic review aims to study the various articles related to education loan repayment (ELR) using bibliometric analysis approach and R studio software with the help of biblioshiny package. The study analyses 812 articles published in the Scopus database between 1990 and 2022. The review identifies most relevant authors, most cited articles, publication trends, keywords and themes, and trending topics. The review finds that research in the domain of ELR is at an increasing trend with a growth rate of 7.2% and, in the year 2022, the highest number of scientific publications, that is, 72 articles, was published. The review exhibits that existing research in the field has mainly focused on themes such as repayment burden, financial literacy, financial education, student debt, income, mental health, and loan defaults. The study concludes that highly cited work in educational loan repayment is in the field of medicine, highlighting salary as the key factor for educational loan repayment, and loan repayment is incentivized by the federal government to serve the designated underserved areas through service option loan repayment programs. Methods on designing and marketing new approaches to loan repayment can be researched in future with relation to human resource recruitment and retention by the employers.
{"title":"Education loan repayment: a systematic literature review","authors":"Rakshith Bhandary, Sandeep S. Shenoy, Ankitha Shetty, Adithya D. Shetty","doi":"10.1057/s41264-023-00248-2","DOIUrl":"https://doi.org/10.1057/s41264-023-00248-2","url":null,"abstract":"Abstract Education is a significant contributor to human capital. Financial assistance for education through institutional loan serves as the key element for human development, and loan repayment without default makes the education loan product self-sustainable. The systematic review aims to study the various articles related to education loan repayment (ELR) using bibliometric analysis approach and R studio software with the help of biblioshiny package. The study analyses 812 articles published in the Scopus database between 1990 and 2022. The review identifies most relevant authors, most cited articles, publication trends, keywords and themes, and trending topics. The review finds that research in the domain of ELR is at an increasing trend with a growth rate of 7.2% and, in the year 2022, the highest number of scientific publications, that is, 72 articles, was published. The review exhibits that existing research in the field has mainly focused on themes such as repayment burden, financial literacy, financial education, student debt, income, mental health, and loan defaults. The study concludes that highly cited work in educational loan repayment is in the field of medicine, highlighting salary as the key factor for educational loan repayment, and loan repayment is incentivized by the federal government to serve the designated underserved areas through service option loan repayment programs. Methods on designing and marketing new approaches to loan repayment can be researched in future with relation to human resource recruitment and retention by the employers.","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":"17 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-10-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134977638","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 : 2023-10-03DOI: 10.1057/s41264-023-00249-1
Kingsley Hung Khai Yeo, Weng Marc Lim, Kwang-Jing Yii
Abstract Financial resilience is founded on good financial planning behaviour. Contributing to theorisation efforts in this space, this study aims to develop a new theory that explains financial planning behaviour. Following an appraisal of theories, a systematic literature review of financial planning behaviour through the lens of the theory of planned behaviour (TPB) is conducted using the SPAR-4-SLR protocol. Thirty relevant articles indexed in Scopus and Web of Science were identified and retrieved from Google Scholar. The content of these articles was analysed using the antecedents, decisions, and outcomes (ADO) and theories, contexts, and methods (TCM) frameworks to obtain a fundamental grasp of financial planning behaviour. The results provide insights into how the financial planning behaviour of an individual can be understood and shaped by substituting the original components of the TPB with relevant concepts from behavioural finance, and thus, leading to the establishment of the theory of financial planning behaviour, which posits that (a) financial satisfaction (attitude), (b) financial socialisation (subjective norms), and (c) financial literacy, mental accounting, and financial cognition (perceived behavioural controls) directly affect (d) the intention to adopt and indirectly shape, (e) the actual adoption of financial planning behaviour, which could manifest in six forms (i.e. adoption of cash flow, tax, investment, risk, estate, and retirement planning). The study contributes to establishing the theory of financial planning behaviour, which is an original theory that explains how different concepts in behavioural finance could be synthesised to parsimoniously explain financial planning behaviour.
财务弹性建立在良好的财务规划行为之上。本研究旨在为这一领域的理论化努力做出贡献，开发一种解释财务规划行为的新理论。在对理论进行评估之后，通过计划行为理论(TPB)的视角，使用SPAR-4-SLR协议对财务规划行为进行了系统的文献综述。在Scopus和Web of Science中检索了30篇相关文章，并从Google Scholar中检索。这些文章的内容使用前事、决策和结果(ADO)和理论、背景和方法(TCM)框架进行分析，以获得对财务规划行为的基本掌握。研究结果为如何理解和塑造个人的财务规划行为提供了见解，通过用行为金融学的相关概念代替TPB的原始组成部分，从而建立了财务规划行为理论，该理论假设(a)财务满意度(态度)，(b)财务社会化(主观规范)，以及(c)财务素养，心理会计。财务认知(感知行为控制)直接影响(d)采用的意愿并间接塑造(e)实际采用财务规划行为，其表现为六种形式(即采用现金流、税收、投资、风险、遗产和退休计划)。该研究有助于建立财务规划行为理论，这是一个原创性的理论，解释了如何将行为金融学中的不同概念综合起来，以简洁地解释财务规划行为。
{"title":"Financial planning behaviour: a systematic literature review and new theory development","authors":"Kingsley Hung Khai Yeo, Weng Marc Lim, Kwang-Jing Yii","doi":"10.1057/s41264-023-00249-1","DOIUrl":"https://doi.org/10.1057/s41264-023-00249-1","url":null,"abstract":"Abstract Financial resilience is founded on good financial planning behaviour. Contributing to theorisation efforts in this space, this study aims to develop a new theory that explains financial planning behaviour. Following an appraisal of theories, a systematic literature review of financial planning behaviour through the lens of the theory of planned behaviour (TPB) is conducted using the SPAR-4-SLR protocol. Thirty relevant articles indexed in Scopus and Web of Science were identified and retrieved from Google Scholar. The content of these articles was analysed using the antecedents, decisions, and outcomes (ADO) and theories, contexts, and methods (TCM) frameworks to obtain a fundamental grasp of financial planning behaviour. The results provide insights into how the financial planning behaviour of an individual can be understood and shaped by substituting the original components of the TPB with relevant concepts from behavioural finance, and thus, leading to the establishment of the theory of financial planning behaviour, which posits that (a) financial satisfaction (attitude), (b) financial socialisation (subjective norms), and (c) financial literacy, mental accounting, and financial cognition (perceived behavioural controls) directly affect (d) the intention to adopt and indirectly shape, (e) the actual adoption of financial planning behaviour, which could manifest in six forms (i.e. adoption of cash flow, tax, investment, risk, estate, and retirement planning). The study contributes to establishing the theory of financial planning behaviour, which is an original theory that explains how different concepts in behavioural finance could be synthesised to parsimoniously explain financial planning behaviour.","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":"86 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-10-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135739313","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 : 2023-10-03DOI: 10.1057/s41264-023-00251-7
Dhananjay Bapat, Devika Vashisht
{"title":"Correction to: Experience in financial services: a bibliometric analysis and thematic content analysis","authors":"Dhananjay Bapat, Devika Vashisht","doi":"10.1057/s41264-023-00251-7","DOIUrl":"https://doi.org/10.1057/s41264-023-00251-7","url":null,"abstract":"","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":"201 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-10-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135739561","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 : 2023-09-30DOI: 10.1057/s41264-023-00253-5
Vikas Chauhan, Rohit Joshi, Vipin Choudhary
{"title":"Understanding intention to adopt telematics-based automobile insurance in an emerging economy: a mixed-method approach","authors":"Vikas Chauhan, Rohit Joshi, Vipin Choudhary","doi":"10.1057/s41264-023-00253-5","DOIUrl":"https://doi.org/10.1057/s41264-023-00253-5","url":null,"abstract":"","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":"53 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-09-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136280687","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 : 2023-09-30DOI: 10.1057/s41264-023-00252-6
Abdul Ghafoor Awan, Janoobia Parveen
{"title":"Relationship between financial innovations and the performance of commercial banks","authors":"Abdul Ghafoor Awan, Janoobia Parveen","doi":"10.1057/s41264-023-00252-6","DOIUrl":"https://doi.org/10.1057/s41264-023-00252-6","url":null,"abstract":"","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":"23 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-09-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136280693","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 : 2023-09-25DOI: 10.1057/s41264-023-00246-4
Muhammad Iskandar Hamzah
{"title":"Fear of COVID-19 disease and QR-based mobile payment adoption: a protection motivation perspective","authors":"Muhammad Iskandar Hamzah","doi":"10.1057/s41264-023-00246-4","DOIUrl":"https://doi.org/10.1057/s41264-023-00246-4","url":null,"abstract":"","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":"17 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-09-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135816756","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 : 2023-09-20DOI: 10.1057/s41264-023-00247-3
Chandan Kumar Behera, Ritika Dadra
{"title":"Understanding young consumers’ attitude formation for new-age fintech credit products: an SOR framework perspective","authors":"Chandan Kumar Behera, Ritika Dadra","doi":"10.1057/s41264-023-00247-3","DOIUrl":"https://doi.org/10.1057/s41264-023-00247-3","url":null,"abstract":"","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":"157 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-09-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136308058","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 : 2023-09-15DOI: 10.1057/s41264-023-00250-8
Swaraj S. Bharti, Kanika Prasad, Shwati Sudha, Vineeta Kumari
{"title":"Correction to: Customer acceptability towards AI-enabled digital banking: a PLS-SEM approach","authors":"Swaraj S. Bharti, Kanika Prasad, Shwati Sudha, Vineeta Kumari","doi":"10.1057/s41264-023-00250-8","DOIUrl":"https://doi.org/10.1057/s41264-023-00250-8","url":null,"abstract":"","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":"111 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-09-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135397587","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 : 2023-09-14DOI: 10.1057/s41264-023-00245-5
Sahid Susilo Nugroho, Widya Paramita
{"title":"Trust-building mechanism for promoting mobile payments' continued use by small businesses in a developing country: tackling the perceived risk issue","authors":"Sahid Susilo Nugroho, Widya Paramita","doi":"10.1057/s41264-023-00245-5","DOIUrl":"https://doi.org/10.1057/s41264-023-00245-5","url":null,"abstract":"","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":"213 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-09-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134911264","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 : 2023-08-27DOI: 10.1057/s41264-023-00244-6
Haruna Babatunde Jaiyeoba, Nafiu Olaniyi Oladokun, Razali Haron, Mohammed Ahmed Suleman
{"title":"The impact of COVID-19 on the banking sector’s efficiency and growth trajectory","authors":"Haruna Babatunde Jaiyeoba, Nafiu Olaniyi Oladokun, Razali Haron, Mohammed Ahmed Suleman","doi":"10.1057/s41264-023-00244-6","DOIUrl":"https://doi.org/10.1057/s41264-023-00244-6","url":null,"abstract":"","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":" ","pages":""},"PeriodicalIF":3.0,"publicationDate":"2023-08-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"42174316","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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