Search Results - subject_exact:"Electronic banking"

Digital banking and the evolving monetary policy transmission

Budnik, Katarzyna - 2026

This paper maps the euro-area digital-banking segment and assesses how digital banks transmit monetary policy relative to brick-and-mortar peers. I compile a hand-checked universe of over 170 digital banks (2016-2025) from supervisory data, classifying institutions by business model (e-retail,...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015618109

Mobile money: the democratising force of financial inclusion

Labouré, Marion - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015549198

Digital transformation of the Albanian banking system : the result of the Albanian banking sector digitalization survey 2024

Molishti, Lindita; Topalli, Margerita - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015608948

Artificial intelligence and risk-taking in banking

Drăgan, Tudor-Andrei; Jiang, Wenjing; Nistor, Simona; … - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015609792

Open banking and financial inclusion in South Africa

Nanziri, Lwanga Elizabeth; Gbahabo, Paul Terna; … - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015615246

AI, security, and trust in the digital wallet : evidence from current Romanian FinTech users

Bodorin, Bianca-Eugenia; Ciobanu, Eliza - 2026

The digitalization of finance has accelerated the diffusion of FinTech and raised new questions about how AI, data security and blockchain shape consumer behaviour. This article examines current FinTech users, focusing on mobile banking, security perceptions, AI-enabled personalisation and trust...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015591110

The impact of mobile money and CBDCs on remittance fees : evidence from Nigeria and sub-Saharan Africa

Giraldo-Gordillo, Francisco Elieser; Bustillo Mesanza, … - 2026

This study investigates the potential effects of Mobile Money (MM) and Central Bank Digital Currencies (CBDCs) on the average transaction costs of remittances to Sub-Saharan Africa (SSA), with a focus on Nigeria. While much of the current literature highlights the theoretical benefits of CBDCs...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015628449

From threat to opportunity : digital infrastructure and bank adaptation to cryptocurrency cycles-global evidence

Martens, Wil - 2026

As cryptocurrencies evolve from niche assets to systemic financial components, the banking sector faces a strategic dilemma: displacement or adaptation. Using 27,510 bank-year observations from 2014 to 2023 across thirty-two economies, predominantly within the European banking sector, this study...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015628489

The impact of traditional and digital financial inclusion on bank profitability : evidence from Ethiopian commercial banks

Arebo, Mohammed Jatoro; Mekonnen, Andualem Goshu - 2026

While prior research emphasizes the socio-economic benefits of financial inclusion, its implications for bank profitability remain underexplored. This paper employs seven traditional and four digital in- dicators to create a financial inclusion index through principal component analysis (PCA)....

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015639184

Exploring the effects of FinTech adoption on traditional banking : a systematic literature review on opportunities and challenges

Ghosh, Prosenjeet; Golder, Uttam - 2026

The rise of financial technology (FinTech) is transforming financial services and reshaping traditional banking by driving innovation while challenging established institutions. This study systematically reviews existing research to understand the impact of FinTech adoption in traditional...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015644075

Digital banking through a gender lens : examining trust and perceptions of Neobanks

Máté, Domicián; Alnouri, Bashir; Vveinhardt, Jolita - 2026

Purpose- the aim of study is to examine how interface design elements (usability, presentation, navigation) influence trust, behavioural intention, and adoption of Neobanks among younger users, using data from students at the University of Debrecen, Hungary.Research methodology- a modified...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015644314

Developing the mortgage market : technology, property rights, and banking

D'Andrea, Angelo; Hitayezu, Patrick; Kpodar, Roland Kangni - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015650881

Show one more version 1

Developing the mortgage market : technology, property rights, and banking

D'Andrea, Angelo; Hitayezu, Patrick; Kpodar, Roland Kangni - 2025

Book / Working Paper

Empowering urban women street vendors through the impact of digital payments : an empirical investigation in the megacity of Delhi

Mallick, Gayatri; Singla, Sonia; Mallick, Suraj Kumar; … - 2026

This article investigates whether increasing economic status through adopting digital payment capabilities in Delhi fosters economic and financial inclusion among urban women street vendors in Mahila Haat. Digital freedom is a new step forward in technology for everyone. Still, a woman not only...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015633318

Fintech innovations and the transformation of rural financial ecosystems in india

Farukh, Mohd Umar; Taqi, Mohammad; Vemavarapu, Koteswara Rao - 2026

Background: Fintech companies have revolutionized the financial services industry in India in recent years. This is especially true for the growth of digital payment methods. India's unbanked are being introduced to banking by fintech companies. Despite the country's strong banking system, many...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015633510

Bridging the gender credit gap in low-income countries : the impact of digital financial inclusion

Oluoch, Wycliffe; Alhassan, Abdul Latif - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015559912

Post-COVID digital banking adoption in Kosovo : the roles of trust, utility, and physical channels

Hajdaraj, Besa; Balaj, Driton; Nikolić, Helena - 2026

This study examines post-COVID digital payment adoption in Kosovo, following banks' expansion of digital channels and the temporary loan moratoria introduced during the pandemic. Objectives: It analyses how trust and perceived utility influence digital payment usage, how reliance on ATMs and...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015667953

State and prospects for development of the payment card market in Poland

Feruś, Anna - 2024

Research background: The development of innovative technologies has contributed to significant changes in the market for payment instruments. These changes have become a challenge for banks and have contributed to the continuous expansion of the products they offer, more technologically...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015484757

Artificial intelligence and customer satisfaction in the Nigerian banking sector

Olota, Oluwayomi Omotayo; Akinkunmi, Olatunde Nathaniel; … - 2025

The integration of artificial intelligence (AI) into the banking sector has transformed customer satisfaction, particularly through innovations such as digital payment services and smart banking solutions. Hence, this study aimed to examine the effect of artificial intelligence on customer...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015616711

Mobile financial service adoption among elderly consumers : the roles of technology anxiety, familiarity, and age

Han, Jihyung; Ko, Daekyun - 2025

The rapid growth of mobile financial services provides significant opportunities for enhancing digital financial inclusion among older adults. However, elderly consumers often lag in adoption and sustained usage due to psychological barriers (e.g., technology anxiety) and factors related to...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015547344

Factors and patterns in mobile banking and payment services use in the United States

Sinha, Gaurav R.; Mehta, Raj Chirag; Kaittila, Anniina; … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015486142

The role of Neobanks and FinTech in sustainable finance and technology : the customer-user perspective for entrepreneurs

Palos-Sanchez, Pedro R.; Chang-Tam, Raúl J.; … - 2025

The emergence of neobanks is considered a change in the current banking model and has caused a change in consumer expectations regarding their financial experience and sustainable technology. This research analyzes users feelings, words and opinions about neobanks, and determines the critical...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015548914

Islamic fintech adoption readiness in Pakistan

Hamilton, John Robert; Hakro, Dil Nawaz - 2025

iFintech is termed as an Islamic alternative banking and financial services approach to that of existing, Fintech digital, Western democracies banking and financial systems. This Pakistan Islamic digital banking and financial services technologies (iFintech) study engages a qualitative NVivo...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015548952

Frontiers of digital finance

2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015549075

The future of banking : what are the actual barriers to bank digitalization?

Ulrich-Diener, Florian; Dvouletý, Ondřej; Špaček, … - 2025

The banking sector must confront challenges arising from globalization, the demand for new business models (BMs), increasing regulation, and ever-advancing digitalization. In this context, innovative competitors, namely FinTechs, are challenging banks and forcing them to rethink existing...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015375410

AI in banking : what drives Generation Z to adopt AI-enabled voice assistants in Saudi Arabia?

Alkadi, Rotana S.; Abed, Salma S. - 2025

The aim of this study is to examine the factors that drive Saudi Arabian Generation Z's intention to use voice assistants (VAs) in banking. The Technology Acceptance Model (TAM) was extended by incorporating three additional constructs: subjective norms, which capture the social influence of...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015338309

Factors influencing FinTech adoption among bank customers in Palestine : an extended technology acceptance model approach

Hurani, Jamal; Abdel-Haq, Mohammed Kayed - 2025

This study examines FinTech adoption in the Palestinian banking sector, highlighting its role in driving innovation, improving customer satisfaction, and ensuring competitiveness. Using an extended Technology Acceptance Model (TAM) and SmartPLS 4.0 software for structural equation modeling, the...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015338391

Leveraging fintech mobile money to expand banks' financial services in developing countries

Aracil, E.; Jung, J.; Melguizo, A. - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015198746

An interplay between digital banking services, perceived risks, customers' expectations, and customers' satisfaction

Rakocevic, Sladjana Barjaktarovic; Rakic, Nela; … - 2025

Advancements in technology and emerging digital trends are driving the expectations of bank clients. With the development of new, innovative technologies, the banking sector has started creating new products and services and looking for new channels through which to offer those services in a way...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015358973

Inspecting the impact of financial inclusion on emissions in India : the banking channel

Ray, Saon; Thakur, Vasundhara - 2025

The urgent need to address climate change has placed environmental degradation and sustainable development at the centre of policy discussions. This highlights the importance of examining how the financial system directs funds toward green investments or emission-intensive industries. Expanding...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015329696

Digital banking : how social media is shaping the game

Del Sarto, Nicola; Bocchialini, Elisa; Gai, Lorenzo; … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015417142

Back to bank : digital currency, deposits’ substitution and credit

Apaa Okello, Jimmy; Musoke, Samuel Namwanya; … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015417865

Risk, gender, and digital finance

Liu, Fan; Lyons, Angela C.; Fang, Eddy S. - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015420439

Unveiling FinTech adoption : an integrated approach of TAM and E-S-QUAL models for assessing the impact of service quality

Amnas, Muhammed Basid; Selvam, Murugesan; Parayitam, … - 2025

The rapid advancement of Financial Technology (FinTech) has ushered in a new era of financial services, with innovative solutions that have the potential to transform how individuals and businesses manage their finances. This research study explores the critical factors affecting the adoption of...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015467464

Implication of digital metaspace technologies on financial market infrastructure

Trusova, Natalia V.; Melnyk, Oleksii V.; Kozak, Vitalii M. - 2025

This paper examines how digital metaspace technologies impact the financial market infrastructure. This paper develops a methodological platform for integrating the financial technology (FinTech) ecosystem models in the financial market infrastructure. The findings show that the benefits of...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015467851

The digital revolution in banking : unpacking risk management in the age of transformation

Yu, Zheyan; Liu, Jiacheng - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015470802

Global connectivity and resilience in African Banking : role of technology and regulation

Alemu, Minyahil; M.k., Jayamohan; Mulugeta, Wondaferahu - 2025

This study emphasizes three solid questions: (i) the extent to which African banking systems are globalized; (ii) the role of regulation and technology in this process; and (iii) whether economic globalization reinforces banking stability. We conceptualize financial globalization through two...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015471190

Mobile banking apps and the informal economy : evidence from survey data in Indonesia and Bangladesh

Hunter, Shawn; Chai, Andreas; Morgan, Peter J.; Chan, Ho Fai - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015473013

Employee empowerment and job satisfaction in the evolving digital banking workplace

Papageorgiou, George; Christofi, Kyriakos; Gelinou, … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015405605

The effects of open banking on fintech providers : evidence using microdata from spain

Alonso, Andrés; Carbó, José Manuel; Cuadros-Solas, … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015407071

From delay to payday : easing bureaucrat access to implementation information strengthens social protection delivery

Dodge, Eric; Neggers, Yusuf; Pande, Rohini; Moore, … - 2025

Poor implementation frequently impedes social protection delivery in low-state-capacity settings. In such environments, reducing managers' information acquisition costs may improve their grasp of frontline issues and program performance. However, in the presence of managerial rent-seeking,...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015408545

Banking digitalization in Spain : how branch closures and digital barriers reshape financial inclusion

Ibarreta, Carlos Martínez de; Ruíz-Rúa, Aurora; … - 2025

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...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015410423

Internet of things on banking processes in South Africa : a systematic reflection on innovations, opportunities and challenges

Kariuki, Paul; Ofusori, Lizzy Oluwatoyin; Goyayi, Maria … - 2025

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...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015410488

The impact of financial inclusion on financial stability : evidence from MENA and African countries analyzed using hierarchical multiple regression

Joudar, Fadoua; Ghmari, Omar El - 2025

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...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015410913

Role of financial institutions in poverty alleviation : nexus of domestic credit, digital transactions and poverty in South Asia

Mehar, Muhammad Ayub - 2025

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...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015413022

Exploring justice perceptions in online banking recovery : gender moderation and behavioral outcomes

Ali, Attia Abdelkader; Andrei, Andreia Gabriela; … - 2025

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...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015413412

Key factors influencing FinTech development in ASEAN-4 countries : a mediation analysis

Ari Warokka; Setiawan, Aris; Aqmar, Aina Zatil - 2025

Financial technology (FinTech) rapidly transforms financial landscapes across ASEAN-4 countries by enhancing financial inclusion and digital service accessibility. However, the key factors driving FinTech development in these economies remain ambiguous. While existing studies highlight the...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015432791

The transition from traditional banking to mobile internet finance : an organizational innovation perspective : a comparative study of Citibank and ICBC

Chen, Zhuming; Li, Yushan; Wu, Yawen; Luo, Junjun - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015433118

Show one more version 1

The transition from traditional banking to mobile internet finance : an organizational innovation perspective : a comparative study of Citibank and ICBC

Chen, Zhuming; Li, Yushan; Wu, Yawen; Luo, Junjun - 2017

Article

Understanding the adoption context of China's digital currency electronic payment

Xia, Huosong; Gao, Yangmei; Zhang, Zuopeng - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015433275

Show one more version 1

Understanding the adoption context of China's digital currency electronic payment

Xia, Huosong; Gao, Yangmei; Zhang, Zuopeng - 2023

Article

Effect of mobile money or mobile banking services on saving behaviors in Ethiopia

Bekeru, Kedir - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015436687

Modeling factors influencing blockchain adoption in retail banking : a DEMATEL-based approach

Papagiannis, Michail D.; Chountalas, Panos T.; … - 2025

In the rapidly evolving digital landscape, integrating blockchain technology into retail banking has emerged as a pivotal strategy for operational efficiency and competitive differentiation. This study employs the Decision Making Trial and Evaluation Laboratory (DEMATEL) methodology to explore...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015436977