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1 – 10 of 118Drawing from socialization theory this study investigates the effect of financial socialization and mediating role of “attitude toward money” (ATM) and financial literacy on the…
Abstract
Purpose
Drawing from socialization theory this study investigates the effect of financial socialization and mediating role of “attitude toward money” (ATM) and financial literacy on the financial behavior of young adults in an emerging economy.
Design/methodology/approach
A cross-sectional survey of 302 young adults was conducted and responses were analyzed to determine the key antecedents of financial behavior. The model was tested using OLS regression. Parallel mediation was tested using Process Macro in SPSS.
Findings
ATM, subjective financial literacy, objective financial literacy are positively associated with financial behavior. Furthermore, parallel mediation analysis establishes the role of ATM and subjective financial literacy as a mediator between financial socialization and financial behavior.
Research limitations/implications
These findings have implications for both financial and academic institutions and policymakers. Academic institutions should introduce personal wealth management courses at early stages in their courses to help young adults make appropriate financial decisions. Policymakers should emphasize creating a habit of budgeting and managing expenses among young adults in addition to promoting financial literacy.
Originality/value
This study focuses on determinants of financial behavior in young adults and specifically, argues that involving parents to financially socialize their children have a crucial impact on subjective financial literacy and ATM which has not been explored in previous literature.
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This study aims to investigate the impact of terrorism on financial inclusion that is achieved through automated teller machine penetration and bank branch expansion.
Abstract
Purpose
This study aims to investigate the impact of terrorism on financial inclusion that is achieved through automated teller machine penetration and bank branch expansion.
Design/methodology/approach
Eight countries that are the most terrorized countries in the world were analysed using the panel fixed effect regression model and the generalized linear model.
Findings
The results provide evidence that terrorism reduces the level of financial inclusion in countries experiencing terrorism, but the presence of strong legal institutions, accountability governance institutions and political stability governance institutions mitigate the adverse effect of terrorism on financial inclusion.
Originality/value
A growing literature has shown that terrorism affects the economy, yet little is known about its impact on financial inclusion.
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Rajalaxmi Singh and Hrushikesh Mallick
The aim of the paper is to examine the status and determinants of financial inclusion in India by using the recent micro-level survey data.
Abstract
Purpose
The aim of the paper is to examine the status and determinants of financial inclusion in India by using the recent micro-level survey data.
Design/methodology/approach
The authors construct a multidimensional financial inclusion index to measure the status of financial inclusion in the selected 17 states of India. Subsequently, the authors use the probit model estimation to examine the determinants of all financial inclusion indicators.
Findings
The authors find that southern and north-eastern states perform better in the overall financial inclusion index. In contrast, states like Odisha, Madhya Pradesh, Chhattisgarh, Rajasthan and Uttar Pradesh lag behind. The estimated result shows that the probability of being financially included is higher among urban, richer, educated and salaried individuals. Further, the findings indicate the lower penetration of bank branches and ATMs in the rural parts of the country.
Originality/value
While numerous studies have explored financial inclusion from a macro-level perspective, there exists a notable gap in the literature at the micro-level. This paper aims to address this gap and contributes to the existing literature in two ways. Firstly, it uses the recent micro-level survey data to construct a multidimensional financial inclusion index for the selected Indian states. Secondly, it examines individual-level attributes as the determining factors of financial inclusion, which has been overlooked in India.
Peer review
The peer review history for this article is available at: https://publons.com/publon/10.1108/IJSE-03-2023-0162
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Academic conferences play a crucial role in fostering scholarly exchanges and discussions among core members, thereby shaping the core performance of these events. Understanding…
Abstract
Purpose
Academic conferences play a crucial role in fostering scholarly exchanges and discussions among core members, thereby shaping the core performance of these events. Understanding the contributions of scholars in academic conferences is essential for advancing the goals and development of such events. This paper aims to discuss the aforementioned idea.
Design/methodology/approach
This paper proposes a comprehensive measurement method for measuring scholars' academic activeness in academic conferences. Based on the essence of academic activeness, a measurement model is constructed, comprising the breadth of academic activeness using the RFM model and the depth of academic activeness using the ATM model. Additionally, effective categories of scholars are derived from the model, facilitating the identification of valuable scholars in academic conferences.
Findings
Empirical evidence from ASIS&T conference records over the past 20 years demonstrates that the proposed measurement indicators have better coverage compared to traditional evaluation indicators, thus complementing existing scholar evaluation indictators. Furthermore, the academic activeness measurement model presented in this paper exhibits good efficacy in identifying important value and active scholars.
Originality/value
This paper pays attention to the activeness of scholars in academic conferences. It broadens the evaluation of academic conferences and scholars and supplements the evaluation indicators of academic influence.
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Jayaprada Putrevu and Charilaos Mertzanis
This paper aims to present a comprehensive overview of the emergence and significance of digital payments, focusing on their impact on competitiveness and the need for policy…
Abstract
Purpose
This paper aims to present a comprehensive overview of the emergence and significance of digital payments, focusing on their impact on competitiveness and the need for policy interventions. In addition, it explores the design of policies that promote the adoption of digital payments, highlighting the benefits they offer to providers and users.
Design/methodology/approach
The paper examines the technological advances that have driven the growth of digital payment systems. It identifies key requirements for successful adoption and discusses the associated risks, along with potential strategies to mitigate these risks.
Findings
The findings emphasize the importance of responsible implementation and safeguarding the well-being of end users to fully realize the benefits of digital payment adoption. Understanding the inherent risks and establishing effective risk mitigation mechanisms are crucial. This necessitates the development of appropriate infrastructure to support the provision of digital payment services.
Research limitations/implications
More research is needed to gain deeper insights into how emerging global trends in financial technology should be analyzed and understood by policymakers, service providers and users.
Practical implications
The findings of this study can guide policymakers, private sector managers and consumers in comprehending the effects of emerging digitalization trends and determining their adoption responses accordingly.
Originality/value
This paper stands out as one of the few research contributions that provide comprehensive and actionable policy recommendations to facilitate a smooth transition to a digital payments ecosystem that benefits all stakeholders.
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Muhammad Kazim Nur Sohad, Giuseppe Celi and Edgardo Sica
This article explores the migration intentions (MIs) embedded in population movements from rural to urban areas in Bangladesh. In this country, urban-centric development policies…
Abstract
Purpose
This article explores the migration intentions (MIs) embedded in population movements from rural to urban areas in Bangladesh. In this country, urban-centric development policies have made cities epicentres of commerce and industrialisation, offering significant employment and livelihood opportunities. This rapid transformation has generated several socio-psychological factors that are influencing the willingness of rural populations to migrate to cities for better jobs, lifestyles and services.
Design/methodology/approach
The present study adopted the theory of planned behaviour (TPB) as a conceptual model to assess the behavioural and psychological factors underlying MIs.
Findings
The results of the structural equation modelling (SEM) indicate that MIs are mainly influenced by subjective norms (SN) and, to a lesser extent, attitudes towards migration (ATM) and perceived behavioural control (PBC).
Originality/value
The analysis drew on an original dataset built through interviews with migrants from rural areas employed in the ready-made garment (RMG) industry in four selective areas of the Metropolitan City of Chittagong.
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John Coker Ayimah, John Kuada and Edward Kwame Ayimey
This paper reports results of an investigation into semi-urban Ghanaian university youths' attitude to digitized financial services (DFSs) and the determinants of their adoption…
Abstract
Purpose
This paper reports results of an investigation into semi-urban Ghanaian university youths' attitude to digitized financial services (DFSs) and the determinants of their adoption decisions.
Design/methodology/approach
Quantitative cross-sectional research approach was used. Three hundred and seventy-five (375) university students were randomly selected from a semi-urban town in Ghana to test the applicability of technology acceptance model (TAM) within such a context. Structural equation modeling was employed to assess stated hypotheses.
Findings
The results indicate a high penetration of digital financial services among the students, which confirms the applicability of TAM for such studies. The results further suggest that DFS provides a pathway to financial inclusion and can stimulate small enterprise development and job creation in Ghana's semi-urban communities.
Originality/value
Hitherto, little academic attention has been given to digitization of financial services in semi-urban African towns. The study contributes to filling this research gap.
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Budi Trianto, Nik Hadiyan Nik Azman and Masrizal Masrizal
The development of financial technology (fintech), especially digital payments (e-payments), aims to increase the efficiency and effectiveness of economic transactions. This study…
Abstract
Purpose
The development of financial technology (fintech), especially digital payments (e-payments), aims to increase the efficiency and effectiveness of economic transactions. This study aims to see the extent to which microentrepreneurs in Indonesia and Malaysia take advantage of the existence of e-payments in developing their business and the factors that influence the adoption of e-payments.
Design/methodology/approach
This study uses qualitative and quantitative approach. For quantitative approach, partial least squares structural equation modeling (PLS-SEM 4.0) was used to analyze the data. Using the nonprobability convenient sampling technique, this study collected 400 respondents from microenterprises in Indonesia and Malaysia in various regions.
Findings
Most of the microentrepreneurs in Indonesia and Malaysia have used fintech platforms, especially e-wallet and ATM debit. However, for quick response code-based fintech for business transactions, most microentrepreneurs have not taken advantage of the platform. Then the results of the digital payment adoption factor also differ for each country.
Research limitations/implications
This study is valuable for decision-makers and regulators. These results can be used to find a roadmap for regulators to build a digital economy, especially digital payments for microenterprises in both countries. In addition, these results can be used as a basis for making policies regarding digital payments.
Originality/value
To the best of the authors’ knowledge, this is the first study to compare e-payment adoption by microentrepreneurs in Indonesia and Malaysia. Indonesia and Malaysia are two countries in the Southeast Asia region that have great attention in fintech development. This study provides new insights about fintech, especially digital payments as a strategic approach in the digitalization era.
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Paul Owusu Takyi, Daniel Sakyi, Hadrat Yusif, Grace Nkansa Asante, Anthony Kofi Osei-Fosu and Gideon Mensah
This paper explores the implications of financial inclusion and financial development for the conduct of monetary policy in achieving price stability and economic growth in…
Abstract
Purpose
This paper explores the implications of financial inclusion and financial development for the conduct of monetary policy in achieving price stability and economic growth in sub-Saharan Africa (SSA).
Design/methodology/approach
The paper employs the system-generalized methods of moment (GMM) estimation technique using panel data spanning 2004 to 2019 and sourced from Databases of (International Monetary Fund's) IMF's Financial Access Survey (FAS), IMF's International Financial Statistics (IFS), World Bank's Global Financial Development Database (GFDD) and World Bank's World Development Indicators (WDI).
Findings
The authors find that financial inclusion has a double-edge effect in SSA. That is, it increases economic growth and lowers inflation in SSA. Furthermore, the results show that a simultaneous increase in financial inclusion and financial development have restrictive effects on economic growth. On the evidence provided, the authors conclude that financial inclusion is an important predictor of economic growth and the conduct of monetary policy in the sub-region.
Originality/value
This paper expands and contributes to the frontier of knowledge how financial inclusion is important for the conduct of monetary policy by monetary authorities in achieving its intended objectives in SSA. The paper highlights the need for ongoing enhancement of financial inclusion of many governments in the sub-region to achieving high economic growth and price stability. Thus, there is the need for policy makers to ensure that a more stringent, effective and appropriate policies and measures are put in place to enhance financial inclusion while taking into consideration the extent of financial development in SSA.
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Adrien Faure-Carvallo, Sergio Nieto-Fernández, Caterina Calderon and Josep Gustems
The objectives of this research are to analyze the sociodemographic and personality profiles most related to good academic time management among 845 students from different…
Abstract
Purpose
The objectives of this research are to analyze the sociodemographic and personality profiles most related to good academic time management among 845 students from different faculties at the University de Barcelona (UB) and to identify the explanatory factors of effective academic time management.
Design/methodology/approach
Poor time management is a common behavior among university students and an explanatory factor for academic failure. A sociodemographic questionnaire, the Procrastination Assessment Scale-Student (PASS), the Academic Time Management (ATM), the Brief Symptom Inventory (BSI-18) and the Big Five Inventory-10 (BFI-10) were administered.
Findings
The results reveal that female students, education majors and those with high academic performance show better time management than the rest of the student body. Additionally, students who have better academic time management are also more neurotic, more open to experience, more responsible and less prone to procrastination. The factors established as explanatory of good academic time management are neuroticism, openness to experience and low procrastination.
Originality/value
The implications of the results for promoting academic time management in university studies through specific actions are discussed.
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