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This research aimed to determine how COVID-19 affected Micro small and medium enterprises’ (MSMEs) participation in sustainable development goals (SDGs) and their adoption of Fin-tech developing nations like India. Involving women in the workforce through microenterprises is crucial to accomplishing the SDGs, and its subsection is focused on decent work and small industries. Data related to knowledge of digital finance was collected using a convenience sample method. Nonetheless, descriptive research was conducted, and although interesting, no definitive findings could be determined. Women entrepreneurs aged between 25 and 35 years provided input into creating this link based on the United Theory of Acceptance and Use of Technology (UTAUT) concept. Using SMART-PLS, we found a significant relationship between the UTAUT model of sustainable development and the level of Fin-tech literacy among women in low-income households in developing countries like India. However, we also know that MSMEs’ adoption of Fin-tech and SDG is less tightly linked to the UTUAT model. The trend towards online transactions or digital payments and the widespread adoption of digital technology applications are changing the face of the global economy. The COVID-19 period saw the rise of contactless transactions as the primary payment method. Because of this shift in public opinion, small- and medium-sized enterprises (SMEs) have begun implementing Fin-tech for long-term growth. People worldwide use it for transactions and other economic functions. However, there is a scarcity of research incorporating this kind of data from India and the rest of the developing world.

In recent times, mobile banking has become the best alternative for transactions associated with payments like bills, fees, and peer-to-peer payments. Therefore, the pace of adoption is increasing day after other. However, the numbers of customers are not equal to the expectations as there are several challenges and threats hindering in the way of excellence and growth of mobile banking. Therefore, this chapter has been written purposively to address all the elements that are associated with the use of mobile banking with special emphasis on Pakistan and other developing sides of Asia. In fact, concern towards Asian sides is mandatory as the continent has the massive charm to attract users towards the use of mobile banking, but there is a need for proper policy and concern from stakeholders in order to give a push to the technology, which is fruitful for society, environment, as well as economy. The study includes an in-depth discussion on factors that need attention to make the study implicative and thorough for conducting further research in the field of Fin-Tech and mobile banking.

This study aimed to explore the effect of Financial Innovation (FI) on economic growth in Ghana, with a dataset spanning 1960–2019, adopting a broader conceptualization of FI as the ratio of broad money to narrow money.

The study employs a non-linear autoregressive distributed lag (ARDL) time series econometric model to estimate data from the World Bank (1960–2019).

There is no evidence that FI significantly impacts economic growth. This could be due to the early and strict regulation of the financial technology (FIN-TECH) sector and the general inconclusiveness of the impact of financial development on economic growth.

Policymakers must empirically explore the impact of early and strict regulation on the transformational impact of FI.

The paper is among the first to apply a broader conceptualization of FI in estimating the impact of FI on economic growth.

Can digital financial inclusion (DFI) as an emerging and innovative financial service encourage economic development?

Based on a Bayesian macroeconomic investigation framework, this research study presents the level of internet growth as a threshold variable and examines the influence of DFI on economic development based on state panel data from 2008 to 2021 in India.

The outcome of DFI on economic development through various mediation models. The results illustrate that DFI growth substantially contributes to economic development.

Encouraging small and medium-sized enterprise entrepreneurship and motivating populations’ utilization are two significant networks through which DFI progress affects economic growth.

With the increasing use of Internet and mobile handsets, mobile-based electronic payment apps (MEPAs) are becoming very popular around the world due to having various advantages. The intention of this exploratory study is to investigate the role/impact of selected factors in adopting three MEPAs of China: Wechat, Alipay and UnionPay based on the extended technology acceptance model (ETAM). After conducting a thorough and careful literature review, this study identified and divided seven such factors into three broad categories: (1) technological factors: perceived ease of use (PEU) and perceived usefulness (PU); (2) personal factors: perceived trust (PT), perceived privacy (PP) and perceived risk (PR); and (3) social factors: social influence (SI) and peer influence (PI) that were assumed to affect the intention to adopt MEPAs (IAMEPAs).

1,597 Chinese individuals were selected through purposive sampling technique who regularly used MEPAs at the time of collecting data. For collecting primary data from the selected respondents, a cross-sectional survey instrument was used. The study utilized IBM SPSS 25 for descriptive statistics and a second generation covariance-based structural equation modeling (CB-SEM) technique through AMOS 25 for testing the hypothesized relationships.

From statistical analysis, it was identified that five factors: PEU, PU, PT, SI and PI have significant positive impact on the dependent variable, IAMEPAs while PR and PP have insignificant influence on IAMEPAs.

This is one of the studies ever conducted to discover the factors that can have impact on the adoption of MEPAs using ETAM. It is strongly expected that this exploratory study can motivate the scholars to commence additional investigations regarding this increasingly popular financial technology (Fin-Tech). In addition, it can be anticipated that the MEPA service providers can widen their service effectiveness according to the users’ opinion reflected in this study. Furthermore, policymakers involved with Fin-Tech can also formulate and implement effective policies and guidelines based on the empirical outcomes.

Despite that a transformational shift has occurred in many organisations towards data-driven management, many organisations struggle to harness and translate new technology, such as “big data” into a competitive advantage. This study aims to undertake an empirical investigation into the enabling factors which lead to the practice of formulating an effective data-led strategy (EDLS). Leveraging the theoretical lenses of the resource-based view, absorptive capacity and attention-focus view, a range of various factors are hypothesised to influence EDLS.

The study takes place in South Africa and is based on primary survey data focused on the Fin-tech industry sector where the need to formulate and implement an EDLS has become urgent considering the move to technology enabled banking solutions. Partial Least Squares Structural Equation Modelling (PLS-SEM) is used to test the hypotheses.

Results highlight that several factors are related to EDLS as significant predictors, which include the data platform, technical skills, knowledge management, transformation and focus-alignment. This latter factor has the largest influence on EDLS, which suggests that the alignment of focus across multiple firm divisions both vertically and horizontally significantly enables an EDLS.

Managers need to appreciate the intricacy of the range of factors involved in enabling an EDLS. Managers are advised to grow their organisational knowledge regarding which enablers offer the best pathway towards the development of a more robust framework when putting an EDLS into practice.

The article offers new insights into better understanding the relevant antecedents which enable the successful practice of an EDLS from an African emerging market perspective.

This study aims to examine the impacts of adopting big data analytics (BDA) on firm sustainability performance (FSP) mediated through firm financial performance (FIP) and operational performance (OPP).

A theoretical model is based on ideas from existing literature on BDA, sustainability, FIP, dynamic capability view theory and resource capability view theory. The model is then validated using the partial least squares–structural equation modeling technique with consideration of 312 responses from 24 Indian firms.

The study provides three important findings. First, there is a significant and positive impact of BDA on firms’ financial and OPP. Second, BDA significantly and positively impacts firm business process performance (BPP) and dynamic capabilities (DYC), which, in turn, significantly impacts the firm’s financial and OPP. Finally, both the financial and OPP of the firm significantly and positively impact sustainability performance.

This theoretical model is unique in showing the impacts of BDA on BPP, firm DYC, financial and OPP. The study also shows how BDA can enhance FSP by mediating through financial as well as the OPP of the firms. The study uses data only from India and thus the proposed model cannot be generalizable.

This study provides valuable input to researchers, academicians and industry practitioners on the importance of BDA for FSP. The study also adds value to the body of knowledge on sustainability, FIP and technology adoption. The proposed unique theoretical model has an explanative power of 70%, which is quite high and can be used across different industries.

This book chapter focuses on firstly social innovation and tools used to address the social needs and foster social innovation initiatives. Looking at the world economic forum and how it supports the social innovations, currency swings, low paying jobs growing rapidly, rapid change and growth as a result of high volatility and high returns, respectively. Secondly looking at the emerging market brought about by the social innovations and how they interconnect. Leading innovation emerging market has three main industries semiconductors, fin-tech, and electric cars. It also looks at the significance of technology in the development of business emerging markets, the role of technology in the emerging market and activities over the decades. Small firms in emerging areas face three major challenges which technology might help overcome. The challenges are trust, sustainability, and network. The role of technology replacing analog chip used for power supply, sensors, wideband signal make up the large semiconductors in the United States replaced with digital chip such as logical operations, data storage, computer information management all this have given birth to artificial intelligence, autonomous machines, self-driving cars, supply-chain management, cloud computing, and software-as-a-service (SaaS) applications are all made possible by digital chips. These are also used for e-commerce, mobile payment, fine-tech, 5G telecom, health-care advancement, remote learning, online entertainment, and cloud computing. Technical advancements that has sparked a revolution that would be especially advantageous for emerging market and small-cap enterprises are the causes of these benefits of how it has affected countries such as Europe, the United States, China, and India to mention a few.

The first Optica Scout destined for the USA in the US$22 million sales agreement with Kansas City Aviation Centre left the production line at Brooklands Aerospace at the end of last month for shipment to Washington.