The coronavirus disease (COVID-19) pandemic profoundly impacted people's lives, social activities, and businesses. It particularly affected micro, small, and medium-sized enterprises (MSMEs), which account for the vast majority of firms and most of the labor force. Compared to larger firms,...

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...

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...

Purpose - The literature review stated that financial inclusion (FI) influences economic growth through different channels. Hence, this paper aims to investigate the underlying process of FI in Egypt theoretically, and to derive some policy implications for promoting the process and achieving...

Purpose - Financial inclusion is a prerequisite for inclusive development. In 2014, the Indian Government introduced the Pradhan Mantri Jan-Dhan Yojana (PMJDY) with a similar objective. The study aims to analyse the effectiveness of banks in the implementation of financial inclusion policy, i.e....

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 purpose of this research is to examine the relationship between digital financial inclusion and economic growth in the SADC countries, while exploring the crucial moderating role of institutions. The digital financial inclusion (DFI) and institutional quality indices were constructed via...

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...

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...

This study explores the dynamic interaction between financial literacy and higher education, focusing on the critical role of financial education in improving individual financial well-being. Using bibliometric analysis and the VOSviewer software, this research examines thematic clusters in...

This study examines racial and ethnic disparities in mortgage-lending outcomes across different lender types-large banks, fintech lenders, non-bank lenders, small banks, and credit unions-using Home Mortgage Disclosure Act (HMDA) data from 2018 to 2023. By analyzing approval rates, rate spreads,...

A flash loan is a special type of uncollateralized loan with zero default risk that is native to blockchain ecosystems. Since its inception in 2018, the technology has seen significant adoption across decentralized finance markets, having facilitated over US$2 trillion in lending activity in...

The study of financial technology applications in banking is highly relevant, as financial technologies serve as a primary driver of change in the banking sector, facilitating the development of new products, optimising operations, and expanding access to financial services. This article aimed...

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:...

This study investigates the impacts of fintech adoption, financial inclusion, and financial integration on income inequality in European countries. Utilising panel data from European nations and employing Generalised Method of Moments (GMM) regression models, we examine the relationships between...

Women in emerging economies face unique constraints rooted in cultural norms, socio-economic disparities, and limited access to education and technology. Narrowing the digital gender gap by ensuring access to financial services may reduce the economic inequalities for women in these countries....

This study investigates the factors that affect the adoption of mobile payment systems in Oman, focusing specifically on small and medium-sized enterprises (SMEs) within the expanding FinTech landscape. By utilizing secondary sources of data from the Central Bank of Oman and global FinTech...

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...

Fintech has emerged as a transformative force in the financial industry, promoting inclusivity and efficiency. This study aims to conduct a comprehensive bibliometric analysis of 1416 articles sourced from the Scopus database to map the evolution of fintech research. Employing the PRISMA...

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 report seeks to inform how the country can accelerate nationwide integration into the formal financial system to enable progress in poverty reduction, equality, and other relevant reforms under the HGERA. The report supports the ongoing reforms in the financial sector and identifies...

The ability to provide more than problem-solving interventions is useful in reducing client stress. Protective features can be built and amplified during financial uncertainty that may increase individuals' resilience against factors that have the potential to cause damage to their financial...

This article focuses on the fastest-growing consumer credit segment usually associated with e-commerce, but increasingly offered for brick-and-mortar shopping too. The purpose of the study was to identify how, and the extent to which, specific aspects of consumer behaviour - particularly in...