This study investigates a novel challenge within the digital economy: scrounging, which entails the exploitation of false identities to capitalize on benefits offered by digital platforms, such as sales promotions and new user incentives. As a form of fraud, scrounging can substantially affect...

Purpose: The aim of this article was to better understand the alignment of banking business models with disruptive technologies. Design/methodology/approach: An explorative study was used to uncover participants' views of technology adoption in a particular banking institution in South Africa....

This paper provides both theoretical and empirical analyses of the differences between BigTech lenders and traditional banks in response to monetary policy changes. Our model integrates Knightian uncertainty into portfolio selection and posits that BigTech lenders possess a diminishing...

One of the most noteworthy benefits that new technological opportunities bring to economies is Financial technologies (FinTech), which makes it easier for financial services to be cheap, fast, and accessible, especially by creating more digital payment services. This high rate of digitalization...

This paper aimed to evaluate the transformative role of Generative Artificial Intelligence in improving banking services efficiency through a systematic literature review. The review explored, how Generative Artificial Intelligence reshaped traditional banking practices by automating routine...

Innovation in financial technology has granted consumers increased access to faster, more convenient payment services. This development has, however, also given rise to Authorised Push Payment (APP) fraud, where consumers are unwittingly manipulated into authorising transactions to counterfeit...

This study focused on a current study on Islamic finance and financial technology as well as prospective topics for future research. As a bibliometric and visualization tool for the Web of Science core collection database and viewer-based literature, 918 papers dealing with Islamic finance and...

This study aims to test the role of digital marketing as a mediating variable in the relationship between financial technology and financial inclusion. The researcher applied the descriptive analytical approach to the data collected by developing a questionnaire distributed to 375 employees in...

The novel coronavirus caused a lifestyle shift, and the acceptance of offsite financial transactions is still a case for financial technology (fintech). Mobile financial transactions continue to be at an all-time low, and financial institutions are developing approaches for financial...

Financial inclusion continues to be a significant challenge in Nigeria since many Nigerians are excluded from the financial ecosystem. This article investigates the impact of the Central Bank Digital Currency (CBDC) on digital financial inclusion using a quantitative research design and data...

The relevance of fintech development in Kazakhstan is evident due to the ever‑growing role of financial technologies not only there but also worldwide. This expansion is closely tied to the progress of electronic commerce and advertising, technical development, socio‑demographic changes, and...

The FinTech market in Germany is a dynamic and growing field that is difficult to observe in its entirety. This report provides a hand-collected market overview of the FinTech market in Germany, as well as an application case in terms of volume estimates for the financing and asset management...

This study investigates whether and how financial technologies (FinTech) influence the effectiveness of monetary policy transmission. We use an interacted panel vector autoregression model to explore how the effects of monetary policy shocks change with regional-level FinTech adoption. Results...

This paper studies monetary policy transmission through BigTech and traditional banks. By comparing business loans made by a BigTech bank with those made by traditional banks, it finds that BigTech credit amplifies monetary policy transmission mainly through the extensive margin. Specifically,...

This study investigates whether and how financial technologies (FinTech) influence the effectiveness of monetary policy transmission. We use an interacted panel vector autoregression model to explore how the effects of monetary policy shocks change with regional-level FinTech adoption. Results...

With the rapid digitization of financial transactions, central banks have given considerable focus in recent years to the research and development of central bank digital currencies (CBDCs). While CBDCs could offer several advantages, there are concerns about end-user privacy. Traditional...

The rise of financial technologies-fintech-could have transformative effects on the financial landscape, expanding the reach of services beyond the confines of geography and creating new competitive sources of finance for households and firms. But what makes fintech grow? Why do some countries...

We provide an update on cryptoasset ownership in Canada using data from the Bitcoin Omnibus Survey conducted in late 2023. Bitcoin ownership remained stable at around 10% in 2023 and continues to be concentrated among men, younger individuals and those with higher income and levels of education....

Despite its growing success, open banking (OB) struggles to present a coherent identity. Indeed, despite its widespread adoption around the world, various models can be identified based on rationales, the nature of data-sharing obligations, and the standardisation process. Against this...

A long-term strategy for China's national development is to foster the growth of "Specialized, Refined, Niche, and Innovative (SRNI)" small and medium-sized enterprises (SMEs). However, these enterprises often face significant financing constraints due to their high technological input, high...

In the digital age, banks must urgently transform their traditional lending processes. This necessity is intensified by the growing competition from digital providers and customers' increasing expectations for efficiency and speed in financial services. Particularly in the business banking...

Designing inclusive and user-friendly digital payment systems is crucial to eliminate barriers faced by users. This research focuses on fostering empathy for and identifying the needs of users who exhibit behaviours that indicate they encounter accessibility or usability barriers in digital...

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...

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...

The digitalisation of payments has accelerated over the last decades with the internet and ever faster and cheaper computing. Now, many believe that decentralised finance ("DeFi") offers fundamentally new possibilities for trading, payments and settlement. Moreover, for a few years central banks...