Search Results - subject_exact:"Financial services"

How does Artificial intelligence reshape bank profitability in China : evidence from a multi-period difference-in-differences model

Li, Xiaoli; Zhang, Dongsheng; Zeng, Na; Meng, Defeng - 2026

Artificial intelligence (AI) has become an integral driver of digital transformation in the banking sector, fundamentally influencing operational efficiency, resource allocation, and profitability. This study investigates how AI adoption affects the profitability of Chinese commercial banks and...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015643111

Banking on equality: Closing the gender divide in Latin America's financial systems

Abdulmumin, Biliqees Ayoola - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015620495

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Banking on equality : closing the gender divide in Latin America's financial systems

Abdulmumin, Biliqees Ayoola - 2025

Article

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

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

Comparison among indirect taxation methods for financial services

Peña, Guillermo - 2025

Purpose: The present paper analyzes the current situation of taxation of financial services, pointing out the main alternative taxation methods. Design/methodology/approach: It is carried out an analysis of them, through the application of all of them to the same numerical example. Originality:...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015407757

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Comparison Among Indirect Taxation Methods for Financial Services

Peña, Guillermo - 2025

Book / Working Paper

Achievement of Islamic finance objectives : evidence from the UAE Islamic banking industry

Hanif, Muhammad - 2025

The study documents the achievements of the Islamic Banking Services Industry (IBSI) in light of Islamic finance objectives (including commercial performance, financial stability, and wealth distribution). A balance sheet analysis of IBSI in the United Arab Emirates (UAE) for 33 quarters (2013...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015409013

Recommendations for fintech sector development and leveraging of artificial intelligence and blockchain technology in Aruba

Alexander, Dale; Prescod, Kwesi - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015432383

Small money, large profits : how the cashless revolution aggravates social inequality

Brandl, Barbara; Hengsbach, David; Moreno, Guadalupe - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015459495

Central Bank Digital Currency in India : perspectives on design choices and implications of e-rupee

Shekhar, Vidhu; Ramesh, Sanjogita - 2025

Central Bank Digital Currencies are gaining substantial attention globally as central banks explore the design and implementation of digital currencies. This study examines the design considerations of Central Bank Digital Currencies (CBDCs) and their potential impact on India's financial...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015492630

Faith and finance : understanding Muslim consumers' identity in Pakistan's traditional banking sector

Ashraf, Samreen; Memery, Juliet; Polkinghorne, Martyn - 2025

Although research on religion has gained increasing attention, few studies have examined its connection to consumer identity and how it influences purchasing decisions. This gap is especially noticeable when it comes to decision-making around religious services. Previous studies on what...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015506487

An automated machine learning framework for interpretable customer segmentation in financial services

Grigorova, Iveta; Efremov, Aleksandar; Karamfilov, … - 2025

Customer segmentation is essential in financial services for designing targeted interventions, managing dormant portfolios, and supporting marketing re-engagement strategies. Traditional approaches such as Recency-Frequency-Monetary (RFM) analysis offer interpretability but often lack the...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015591090

Conceptualizing digital finance as a precursor for financial inclusion and financial service usage in Uganda

Nagaaba, Nickson; Batamuriza, Rehema; Basuta, James; … - 2025

This study conceptualizes digital finance as mobile banking, mobile money, and agent banking in the context of Uganda, and quantifies their influence on the usage levels of financial services. Data were collected from 290 lead households from 15 districts of Uganda, benefiting from the Uganda...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015607671

Evolution of Fintech in Central Asian countries and implications for the region's economy

Komilova, Mukhbira; Nader, Marino; Ajayi, Richard A. - 2025

The contribution of innovation to global development and productivity is indeed very important, as it enables the creation of new products and services or the improvement of existing ones. Experience of developed economies suggests that innovations and Financial Technology (Fintech) evolution...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015628119

"Getting a grip"? : phenomenological insights into handling work place in London's Soho

Riach, Kathleen; Tyler, Melissa - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014575035

Assessing Fintech awareness and knowledge among students at selected universities in Somalia

Awale, Abdirahman Abdinur; Kulmie, Dayah Abdi - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015085385

Boosting financial service quality : the power of innovation strategy in Algerian context

Boussad, Nait Ibrahim; Meriem, Nouala - 2024

Objective Innovation is decisive as it drives the efficiency, security and convenience of banking operations. Ultimately, this will reshape the manner in which financial institutions interact with their consumers. Marketing strategies, and innovation approaches, are critical in improving quality...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015417064

Borrower switching behaviour on a P2P lending platform : a study of switching path analysis technique

Akbar, Rasyidi Faiz; Sukoco, Badri Munir; Nadia, Fiona … - 2024

Despite borrower disloyalty being a concern, path decisions must still be analysed. Using the switching path analysis technique, this study analysed the triggers, determinants, and consequences of borrower switching. A non-probability sampling method was employed for this analysis. Specifically,...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015449135

Selling, general, and administrative cost asymmetry in hypergrowth private fintech firms

Chawanakorn Thienboonlertrat; Thanyaluk Vichitsarawong - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015644521

Accounting as a tool for ensuring financial inclusion in the context of digitalization of banking services

Korpaniuk, Tetiana; Bumane, Inga; Borovych, Oksana; … - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015639820

Absent branches, digital presence : fintech and the reconfiguration of everyday debt in Nigeria

Jalal-Eddeen, Shuaib - 2026

This article examines how the absence of physical branches and embodied oversight in fintech reconfigures financial life in Nigeria. Based on nine months of ethnographic fieldwork in Jimeta, it shows that the absence of physical infrastructures and the dominance of virtual ones is not merely...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015655157

Legal foundations of green fintech : paving the way for sustainable finance

Möslein, Florian - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015549179

Vision for the future of financial consumer protection in LMICs

Garz, Seth; Mazer, Rafael; Blackmon, William - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015549194

Mobile money: the democratising force of financial inclusion

Labouré, Marion - 2026

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

Beyond banks: trust among the financially underserved

Boel, Paola; Puzzello, Daniela; Zimmerman, Peter - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015619026

Understanding consumer demand for "Buy Now, Pay Later"

Aidala, Felix; Koşar, Gizem; Mangrum, Daniel; Klaauw, … - 2026 - Revised February 2026

We estimate consumer preferences for "Buy Now, Pay Later" (BNPL) using a large-scale probabilistic stated choice survey experiment. Average willingness to pay (WTP) for the standard BNPL bundle is negative, but younger, lower-income, and less credit-worthy consumers exhibit higher demand. The...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015462921

The impact of fintech on innovation quality : evidence from Chinese enterprises

Zhang, Xiao; Huang, Zheng; Xiaoyu, Liu; Rong, Yanbo - 2026

We constructed an urban fintech index and analyzed data from 2834 publicly traded Chinese enterprises for the period 2010-2022 to investigate the impact of fintech on the innovation quality of enterprises. The findings indicate that this impact is positively reinforced by the innovation...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015608939

The value of mortgage choice : payment structure and contract length

Boutros, Michael; Clara, Nuno; Kartashova, Katya - 2026 - Last updated: March 2, 2026

We study how households choose between three mortgage contracts with different payment structures: fixed-rate fixed-payment, variable-rate variable-payment, and a hybrid variable-rate fixed-payment mortgage where interest rate changes affect principal repayment rather than payment size. This...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015610833

Regulatory risk in green FinTech : comparative insights from Central Europe

Heseková, Simona; Lapsánszky, András; Kálmán, János; … - 2026

Green fintech merges sustainable finance with data-intensive innovation, but national translations of EU rules can create regulatory risk. This study examines how such risk manifests in Central Europe and which policy tools mitigate it. We develop a three-dimension framework-regulatory clarity...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015611269

The paradox of cyber risk controls : an empirical analysis of readiness and protection inefficiencies in Thailand's financial sector

Sringam, Artid; Wuttidittachotti, Pongpisit - 2026

As Thailand's financial sector accelerates its digital transformation, cybersecurity has transitioned from a mere technical support function to a strategic imperative that governs operational risk and financial stability. This study empirically examines the efficacy of cyber risk controls and...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015611403

Bhutan : Review and Diagnostic of the Fintech Regulatory Sandbox Framework

Singh, Puja - 2026

This report summarizes the International Monetary Fund's (IMF) technical assistance mission to the Royal Monetary Authority of Bhutan (RMA), focused on reviewing and strengthening the fintech regulatory sandbox (RS) framework. The mission, conducted from August 25 to September 2, 2025, assessed...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015612610

Fintech Competition and Banks’ Shrinking Margins in Brazil

Xu, Rui - 2026

The rise of fintech lenders has intensified competition in the banking industry. This study utilizes Brazilian bank-level data to examine the causal impact of increased competition on commercial banks’ lending rates and profitability. Employing a bank-specific Bartik exposure, constructed from...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015612696

The impact of BigTech and Fintech credit on income inequality

Aktar, Mahbuba; El-Shagi, Makram - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015613466

Mapping customer-to-customer helping behaviour in financial services and digital platforms : a bibliometric and content analysis

Mpinganjira, Mercy - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015592791

Personal financial planning and the propensity of central bank digital currency adoption

El Kalak, Izidin; Nourallah, Mustafa; Timmerman, Inga - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015592810

Innovative Financing for Inclusive Credit Fintechs in Africa

Kruijff, David; Sotiriou, Alexander - 2026

This Focus Note explores innovative financing strategies for reaching inclusive credit fintechs in Africa, particularly those targeting underserved micro and small enterprises (MSEs). These fintechs have the potential to address the estimated US$ 4.9 trillion global credit gap for MSEs. However,...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015597411

Pathways to Financial Inclusion for Young Women : Opportunities for Financial Service Providers and Funders

Deshpande, Rani; Koning, Antonique - 2026

This Focus Note explores why this remains the case— even after significant efforts to narrow the financial inclusion gender gap—and what can be done to achieve equality in this sphere. Since closing the gap will require contextually adapted solutions, Ghana and Tanzania were selected as two...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015597417

Sustainability and financial innovation : the emerging role of Fintech for Good (F4G)

Lentini, Alessandro; Munteanu, Daniela Elena - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015589908

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

A bibliometric analysis of digital financial literacy and its role in reducing online financial fraud in the European Union

Wangari Maina, Carol; Imani Bashokoh, Mahdi; … - 2026

The rapid digitalization of financial services in the European Union (EU) has not only enhanced convenience and inclusion but also increased exposure to sophisticated online financial fraud. Digital financial literacy (DFL) is widely promoted as a key tool for empowering consumers and reducing...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015591423

How costly are cultural biases? : evidence from FinTech

D'Acunto, Francesco; Ghosh, Pulak; Rossi, Alberto G. - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015579655

Digital financial platform engagement and financial inclusion in the Philippines : insights on AI deployment and policy implications

Pesa, Nikka C.; Agner, Mary Grace R.; Lacaza, Rutcher M. - 2026

This paper examines how digital financial platform engagement influences financial inclusion in the Philippines and explores how financial institutions are deploying artificial intelligence (AI) in enhancing these platforms. It combines nationally representative data from the World Bank Global...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015604439

Investing in the shadows : FinTech browth and mortgage market dynamics

Li, Wenli; Zhou, Xiaoqing - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015606679

Riding the wave of fintech, broad money growth and population dynamics : exploring its impact on ASEAN bank stability

Shah, Syed Faisal; Mehmood, Waqas; Mahfuzur Rahman; … - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015625383

Digital pathways to stability : a cross-country analysis of the fintech-inclusion-stability nexus across selected countries

Saidi, Hichem - 2026

This paper examines the impact of fintech adoption and financial inclusion on financial stability in selected countries. Using panel data from 30 countries spanning 2011-2024, the study employs an empirical strategy based on Two-Way Fixed Effects, a dynamic two-step System GMM estimator, and...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015625821

Tech triumph or literacy lapse? : the intersecting narratives of financial inclusion efficiency, sustainable development goals, and technology

Singh, Saumya; Rajput, Aditi; Gopalkrishnan, Santosh; … - 2026

The goal of inclusive development places financial inclusion at the forefront of sovereign development policies, particularly in economies that are investing in digital technologies. Despite the world's progression towards technology, there is minimal empirical evidence of how efficient these...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015626628

Financial technology as a tool to enhance financial consumer protection and reduce defaults on personal loans : to achieve financial inclusion and sustainable development in Jordan

AlBataineh, AbdelKarim - 2026

Financial technology (FT) has been credited for supporting sustainable development and financial inclusion. However, issues such as balancing innovation with consumer protection and the challenges of loan default have emerged as significant concerns in this context. The study aimed to test the...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015626644

In data we trust? : emerging policy and supervisory approaches to AI data use in financial services

Crisanto, Juan Carlos; Currat, Adrien; Ehrentraud, Johannes - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015628198

FinTech for inclusive growth : a gender perspective

Mzoughi, Hela; Farroukh, Arafet; Metzger, Martina - 2026

This study investigates how financial technology (FinTech) contributes to economic growth, focusing on whether it acts primarily as a mediator or a moderator within the finance-growth nexus. A composite FinTech index is constructed using Principal Component Analysis based on cross-country data...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015628393

Trust as predictor and mechanism in green FinTech adoption : a systematic review and meta-analysis

Balaskas, Stefanos - 2026

Green FinTech involves facilitating sustainable payments, banking, and investment; nevertheless, it is subject to consumer trust and perceptions of 'green' value. The literature on this topic is fragmented, with information systems literature typically considering trust as a broad acceptance...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015628472

Financial inclusion, FinTech, and banking stability in Asia and Pacific economies

Koirala, Niraj - 2026

This paper examines the interplay between financial inclusion and FinTech in shaping banking stability, with a focus on economies in the Asia and Pacific region. Using an unbalanced panel dataset from 21 economies from 2000 to 2021, the paper finds that financial inclusion enhances banking...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015628623