Search Results - subject_exact:"Home 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://ebvufind01.dmz1.zbw.eu/10015618109

Mobile money: the democratising force of financial inclusion

Labouré, Marion - 2026

Persistent link: https://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://ebvufind01.dmz1.zbw.eu/10015608948

Artificial intelligence and risk-taking in banking

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

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015609792

Open banking and financial inclusion in South Africa

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

Persistent link: https://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://ebvufind01.dmz1.zbw.eu/10015591110

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://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://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://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://ebvufind01.dmz1.zbw.eu/10015644314

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://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://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://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://ebvufind01.dmz1.zbw.eu/10015667953

Broadband deployment and access to online banking : does improved technology facilitate adoption?

Calzada, Joan; Pablo, Alejandra - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015676014

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

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

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015650881

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

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

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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://ebvufind01.dmz1.zbw.eu/10015628449

The impact of digital risk management on innovative Islamic banking services : the mediating role of digital capabilities and the moderating role of digital culture

Almajali, Ahmad; Al-Kharabsheh, Abdulrahman; Ibrahim … - 2026

Purpose: This research intends to explore the relationships between digital risk management practices and the successful implementation of innovative banking services with the mediating effect of digital capabilities and the moderating effect of digital culture. Methodology Approach: In this...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016059306

2025 Methods-of-Payment Survey report : cash in an increasingly digital and mobile economy

Felt, Marie-Hélène; Pacouloute, Saika; Welte, Angelika - 2026 - Last updated: August 20, 2026

The Methods-of-Payment (MOP) survey provides key insights into Canadians' cash management and payment behaviour. In 2025, more than three in four adults report keeping cash on hand. Perceptions of cash remain positive and stable, and most Canadians do not plan to stop using it. At the same time,...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016072897

Digital payments and monetary policy transmission

Liang, Pauline; Sampaio, Matheus; Sarkisyan, Sergey - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016070770

Determinants of Greek banking customers’ intention to use AI-based green fintech solutions

Gatzioufa, Paraskevi; Saprikis, Vaggelis; Avlogiaris, … - 2026

As Artificial Intelligence (AI) becomes increasingly integrated into financial services, its alignment with sustainability goals has given rise to a new domain: Green FinTech. This study investigates the Behavioural Intention (BI) of Greek banking customers to adopt AI chatbots in the context of...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016064250

Financial technology and strategic AI integration in FinTech : transforming banking, payments, and building a sustainable economy-challenges and opportunities

Manta, Otilia; Vasile, Valentina; Hamori, Shigeyuki - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016064253

The impact of bank switching costs : evidence from a regulatory reform

Frenkel, Sivan; Segev, Nimrod - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016074476

The impact of blockchain technology adoption in enhancing transparency and accounting disclosure levels in digital financial reports : evidence from Jordanian banks

Mohammad Motasem ALrfai; Al-Kofahi, Mahmoud; … - 2026

Despite growing recognition of blockchain technology's potential to enhance traceability, verifiability, and integrity in financial reporting, empirical evidence from regulated banking environments in developing economies remains scarce. This study investigates whether blockchain adoption is...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016064287

Women’s reforms, digital payments, and financial inclusion in Saudi Arabia : evidence from global findex 2014-2024

Siregar, Tifani Husna; Bakather, Adnan Ameen; … - 2026

Saudi Arabia experienced rapid convergence in women's financial inclusion between 2014 and 2024, a period marked by the 2018-2019 reforms expanding women's economic rights and the accelerated deployment of digital payment infrastructure. Using four waves of Global Findex microdata (2014, 2017,...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016064299

Institutional trust, risk-taking, and FinTech adoption : evidence from an emerging economy

Deák, Zsuzsanna; Horváth, Ádám Béla - 2026

This paper explores the relationship between risk-taking attitudes, different dimensions of trust, and the adoption of financial technology (FinTech) in an emerging Central European economy. Based on survey data collected via LimeSurvey (October to December 2025) in Hungary, multivariate linear...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016064310

Beyond FinTech adoption : how AI-enabled financial process digitalization shapes entrepreneurship

Skandalis, Konstantinos S.; Skandali, Dimitra - 2026

The digital transformation of entrepreneurial finance has progressed beyond basic FinTech adoption toward the deeper digitalization of financial processes and the integration of artificial intelligence (AI). Yet, firms, particularly non-financial SMEs, vary substantially in their ability to...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016064297

FinTech adoption in banks and their liquidity creation

Wu, Zhuochen; Pathan, Shams; Zheng, Chen - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016064326

Perceptions of online financial services : an assessment of usefulness, ease of use, risk, and trust

Carvalho, Maria Amélia Machado; Borges, Ana Isabel; … - 2026

The financial services sector is undergoing rapid digital transformation, yet the adoption of online financial services (OFS) remains uneven due to perceptual barriers such as security concerns and limited digital and financial literacy. Existing research, often based on aggregate models such as...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016064355

Who adopts generative AI? : financial digital engagement, the age divide and trust as a barrier : evidence from Spanish household microdata

Giner-Pérez, José-Miguel - 2026

Background: Generative artificial intelligence (GenAI) is diffusing among consumers at exceptional speed, yet little is known about how its adoption relates to households' prior engagement with digital financial services, or about the barriers associated with non-adoption. Methods: Using...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016064390

Fintech and savings in African countries : the case of mobile money

Chilundo, Claudia; Vedogbeton, Hermine - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016073412

Financial inclusion and electricity uptake

Lang, Megan; Ly, Alpha - 2026

Even as governments push to build infrastructure to achieve universal access to electricity, demand-side barriers constrain uptake where infrastructure already exists. This paper assesses the impact of the quasi-experimental introduction of mobile money on electricity adoption by households. We...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016083757

Beyond generic phishing detection : explainable AI for finance-adapted models in banking and fintech

Bhuiyan, Istiaque; Bhuiyan, Tanvir - 2026

Purpose: This study examines whether finance-adapted (FA) phishing detection models improve the detection of finance-themed (FT) attacks, whether improvements differ across email and webpage modalities, and whether finance adaptation creates a specialisation-generalisation trade-off....

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016064399

Channel observability in digital financial inclusion measurement : a diagnostic study of OIC countries, 2015-2024

Al-Hafidh, Nassar; Al-Karawi, Ahmed Lateef Salih; … - 2026

Digital financial inclusion (DFI) has become a central topic in financial inclusion research because digital payments, mobile money, internet banking, and platform-based finance can reduce access barriers and expand formal financial participation. Prior studies have documented the development...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016064020

Enhancing global financial inclusion through fintech : the importance of connectivity

Pavón Cuéllar, Lilianne Isabel - 2026

Building on the established link between financial inclusion and sustainable economic growth, this study examines the role of connectivity, a key enabler of fintech, in advancing financial inclusion across four dimensions: account ownership, digital payments, savings, and credit. A financial...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016081010

Agentic Artificial Intelligence in financial and banking operations : a comprehensive review

Al-Hchemi, Laith Haleem - 2026

The purpose of the study was to review of academic and industry literature, with the goal of clarifying the concept of agentic Artificial Intelligence, explaining its architectural workings, and exploring its applications in the financial and banking sectors. The rising use of Artificial...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016062073

The digital transformation of banking

Sucubas̨ı, Bilal; Bojadzievska Danevska, Andrijana; … - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015582550

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://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://ebvufind01.dmz1.zbw.eu/10015547344

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://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://ebvufind01.dmz1.zbw.eu/10015548952

Frontiers of digital finance

2025

Persistent link: https://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://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://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://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://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://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://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://ebvufind01.dmz1.zbw.eu/10015417142

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

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

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015417865