With the technological advancement in course of time E-banking has become a need of time around the globe. It has changed the way of doing banking business by making the whole business speedier, more flexible, and more consumers friendly. If connected with the Internet, one can bank round the...

This article examines how virtual banks in Hong Kong may discourage the use of banking services and create new forms of financial exclusion. The competitive edge of virtual banks is also lacking when conventional banks offer the same online services. This article suggests the role of technology...

This study provides minimum economic growth (or GDP growth) critical masses or thresholds that should be exceeded in order for demand-side mobile money factors to favorably drive mobile money innovations for financial inclusion in developing countries. The considered mobile money innovations...

This study proposes and empirically validates a model that incorporates the interaction effects of consumer's shopping orientation (utilitarian/recreational) and attitudes towards the online store atmospheric qualities (information related cues, navigation cues, aesthetic cues) on online...

Automated banking services rely on the so-called fintech technologies. These technologies, however, represent an opportunity to enhance financial inclusion indicators among low-income customers. This paper aims to develop a new conceptual framework to analyse low-income consumers' disposition to...

Purpose In this paper, the authors explore the reasons for reluctance to use mobile banking with the help of the technology acceptance model (TAM) and modifications proposed by the literature that is particularly adequate for developing countries and mobile banking: the theory of trying (TT) and...

Purpose This paper presents an overview of embedded finance. It identifies the applications, use case examples, benefits and challenges of embedded finance. The paper also analyzes global interest in embedded finance and compares it with interest in related finance concepts such as open finance,...