The Internet of Things (IoT) represents a digital revolution that is defining global connections across sectors and people at a rapid pace. This extension of the internet beyond the electronic world transforms sectors and industries irrespective of their locality and core business. At the root...

This paper examines the impact of banking digitalization in Spain, focusing on the consequences of branch closures and digital barriers for financial inclusion. Using panel data from the Survey on Equipment and Use of Information and Communication Technologies in Households (2017-2021), a logit...

The link between financial inclusion and financial stability is a central concern in public economic policymaking, particularly in emerging countries where access to financial services remains limited. While financial inclusion is widely regarded as a key driver of economic development, its...

The main objective of this study is to test the impacts of lending by various types of financial institutions on poverty, employment, and new business startups. The study is based on seven equations estimated through the ordinary least squares (OLS) technique and censored TOBIT equations. These...

This paper explores how traditional banks perceive digital-only banks and the potential impact of digital-only banks on the retail segment of the banking sector. To obtain the main goal, we conducted in-depth semi-structured interviews with managers and directors representing different...

The study addresses the recovery from service failures in online banking. It focuses on the three dimensions of perceived recovery justice - namely, distributive justice (DJ), procedural justice (PJ), and interactional justice (IJ) - and investigates their impact on post-recovery satisfaction...

Mobile banking applications (apps) have become crucial in maintaining financial services accessibility during the COVID-19 pandemic. This study leverages the Unified Theory of Acceptance and Use of Technology (UTAUT) to examine Malaysian millennials' behavioral intentions toward mobile banking...

This research investigates how the dimensions of the Technology, Organization, and Environment (TOE) framework influence the digital business ecosystem (DBE) and, in turn, how this ecosystem impacts the adoption of Islamic Mobile Banking (IMB). It addresses a gap in existing literature by...