Search results

This study aims to provide a better comprehension of the behavioural intentions that influence the adoption of Islamic financial technology (Fintech) in Malaysia for two kinds of Islamic lending Fintech services, which are crowdfunding and peer-to-peer (P2P) lending.

From May to July 2022 the primary data were collected by using a questionnaire distributed online to survey 437 Islamic Fintech clients in Malaysia. Structural equation modelling has been used to analyse the data based on using the partial least squares approach.

The findings of this paper shows that planned behaviour, acceptance model and technology's use models are positively impacting factors that influence customers' opinions on adapting Islamic Fintech services in lending. The acceptance model was found to exert a negative impact on the intention to adopt Islamic lending P2P Fintech service. In addition, technology's use has a negative impact on the intention to adopt Islamic lending crowdfunding Fintech service.

First, the study is limited to Islamic Fintech customers in Malaysia only, second, the study adopted an online survey but there is no guarantee that the geography area was fully covered. Another limitation is that the study covers only Islamic Fintech services in lending, thus the study did not attend to variables such as religiosity and the authors believe that this will provide useful insights for future research.

Despite the importance of this topic, there has been a lack of empirical evidence until now. In this paper, the authors take stock of the empirical evidence in the literature through the importance of the adoption Fintech. This study provides a broad view of the market potentials for Fintech providers from the demand side on a wide range of Islamic Fintech services rather than focussing only on payment, transfer, etc. as presented in previous studies.

The British Library Lending Division came into being in 1973 when the National Central Library was integrated with the stock and services of the National Lending Library for Science and Technology at Boston Spa. The original buildings have been added to by specially designed accommodation. The loan/photocopy service, based on the use of a pre‐paid three‐part request form, has been supplemented by computer requesting, links through database operators such as DIALOG, and the telephone for urgent requests. Road/rail transport links with many parts of the country have been introduced and now account for over half of all items dispatched. A rapid growth in demand in the first seven years was followed by a decline and then a levelling off in 1982/83. The proportion of demand accounted for by International Services increased from 9% in 1973/74 to 21% in 1982/83. The Division has developed close connections with IFLA and the European Communities. As a result of a British Library Ad hoc Working Party on Union Catalogues, which reported in 1982, the Division's stock records and union catalogues are being automated. The British Union Catalogue of Periodicals ceased to be issued and its bibliographic function was replaced by Serials in the British Library, issued by the Bibliographic Services Division from 1981. Certain libraries with large or important stocks were designated to serve as backup collections; from 1979 more requests went to backups than were provided with locations. The British Library Reference Division has not only supplied photocopies as a backup but begun to lend items held in the Department of Oriental Manuscripts and Printed Books and the Science Reference Library. Close relations have been maintained with users and with relevant organizations. The acquisitions policy established in 1973 has changed little, though music scores were added in 1974, and rationalization of resources with Reference Division has resulted in a small drop in the number of serials acquired. The British National Book Centre activities of the NCL were merged with the donations activities of the NLLST to form the Gift and Exchange Section. Until 1982 the service was free but economies on staff and resources led to a restricted and priced service. Courses in the use of the scientific literature were extended to other subjects but had to be terminated as an economy measure in 1980. For similar reasons the ad hoc translating service was discontinued at the end of 1981. The cover‐to‐cover translations of (mainly Russian) scientific and technical journals sponsored by the NLLST have continued as part of the Division's extensive publication programme, which now recovers all its costs. Cost recovery increased from a quarter to a half of all expenditure over the period. The Division has kept up with relevant developments in automation and electronic publishing.

This research aims to address the transformative service research (TSR) agenda by examining the issue of caste-based financial exclusion in microcredit lending services in India. To do so, it draws on statistical discrimination theory from labour economics to develop and test a multi-level prosocial service orientation framework.

Survey data come from 238 loan officers and 250 lower caste loan applicants across 43 microfinance institutions (MFIs) in India. The data are analysed using hierarchical linear modelling, a method appropriate for investigating micro- and macro-level organisational variables.

At the micro level, the service orientation factors of social dominance orientation and algorithmic-driven lending decisions affect financial exclusion of lower caste bottom-of-the-pyramid (BoP) vendors. At the macro level, the service orientation mechanism of inclusive service climate reduces caste-based financial exclusion, while the level of lending risk to reduce discrimination receives no support.

Research in other contexts is warranted to confirm the prosocial service orientation model. Methodological challenges at the BoP also present avenues for insightful work.

The study shows the importance of an inclusive service climate and reassessment of algorithmic-driven lending decisions to eliminate caste-based indicators in lending decisions. It also recommends policy reform of caste-based affirmative action at the macro- and micro-levels of lending decisions.

This research extends the TSR agenda to include caste-based discrimination in prosocial services. It takes a multidisciplinary perspective on services research by incorporating statistical discrimination theory from labour economics to extend understanding of service orientation.

Given the large global investments made in FinTechs and the context of Brazilian credit (which has been suffering from the effects of the crisis in the last decade), the purpose of this paper is to study the propensity of consumption of credit services offered by FinTechs of loans. In order to discover the factors that influenced the propensity to apply for FinTech loans, a theoretical model was designed, which was tested by means of a survey given to individuals who might contract loans.

The final sample consisted of 507 individuals whose data were analyzed through structural equation modeling (SEM), with estimation of partial least squares.

From the results of the research, it was possible to draw a profile of the FinTechs of Brazilian loans and also to estimate the antecedents of the propensity to utilize this type of service.

The model proposed in this work was developed to measure the propensity to consume in relation to the credit services offered by lending FinTechs.

The consumer should intensify the use of these channels to shape financial products and services to their needs, thereby democratizing access to credit, which is often restricted in quantity and quality by policies of institutions that dominate the Brazilian lending market.

Aspects such as trust, personal innovation, perceived utility, ease of use and social influence, as well as the constructs that precede them like privacy, stigma and transactional distance, explain 41.5 percent of the propensity to use services from lending FinTechs in Brazil.

This paper aims to highlight the existence of illegal peer-to-peer (P2P) lending in Indonesia, unethical practices of P2P lending operators to borrowers, regulatory weaknesses and offer recommendations to reduce unethical practices.

This paper is a general discussion through desk research using secondary data from journal papers, research reports, books and papers online.

There are regulatory weaknesses in regulating illegal P2P lending. There are no strict legal sanctions for P2P lending operators who act unethically to borrowers.

This paper discusses the unethical actions of P2P lending operators and the inability of regulations to take legal action against illegal P2P operators.

Introduction: Lending is an age-old concept, and Peer-to-Peer (P2P) lending is not new. The reduction in the issuing of loans by banks has made people switch from traditional to online mode. The introduction of the online P2P lending industry is in its nascent stage of growth. As this industry is relatively new, understanding user experience, sentiments, and emotions would be helpful for the industry to innovate as per customer requirements.

Purpose: To explore the patterns in the sentiments expressed by users of ‘Cashkumar’ based on Google reviews.

Methodology: Sentiments have been analysed using user experience in risk, cost, ease of use, and loan processing time. Python application was used for sentiment analysis of Google reviews.

Findings: The sentiment analysis results showed that the average sentiment score was 0.7144, which indicates that the user sentiment towards ‘Cashkumar’ is positive. The reviews reflect that the users, especially borrowers were satisfied with the platform’s services and happy with loan processing time. The other factors – ease of use, cost, and risk – were not given much importance by users. Both lenders and borrowers faced a few issues, but the results of the lender’s sentiment analysis could not be generalised due to a smaller number of posted reviews.

This paper discusses the pressing need for British Council libraries and information services in Italy to respond positively to British and international forces for change. Social, economic, cultural, and technological developments over the past 20 years mean that lending libraries are no longer an appropriate or effective model for the British Council when serving the information needs of priority groups in Western European countries. It is argued that the restructuring of the Council’s information services in Italy has become a necessity. It is suggested that marketing concepts and technique are relevant both to non‐profit making services in general and to British Council information services in particular. The marketing implications of a range of possible alternative services for non‐user priority groups are considered and, recommendations made for the British Council to adopt a marketing orientation when planning and implementing the future of its information services in Italy.

In retrospect, the process of merging the National Central Library with the National Lending Library for Science and Technology might appear to have moved with clockwork precision and with little dissent. Logic and far‐sighted planning might now seem to have been inexorable.

The purpose of this research is to find the best solution in cutting the poverty chain in the human capital development framework based on human capital investment with the opportunity and threat of Internet Inclusion and Financial Inclusion. This study uses a vector error correction model to see the relationship between variables, response, and impulse between variables to provide an overview of the relationship between variables during the study period and forecast future variable trends. We found that technological and financial inclusion P2P Lending can be an opportunity and a threat to developing the Indonesian people's human capital to reduce poverty. Human capital is proven to be effective in reducing poverty. Increasing human capital through human capital investment supported by inclusion technology and financial inclusion can reduce Indonesia's poverty. Financial inclusion can increase entrepreneurial and economic growth.

The Lending Division handles over three‐quarters of all interlibrary loan requests from British libraries. Demand was 4% higher than in 1976/77 — a lower growth rate than hitherto. Overseas demand continued to grow faster (9% more requests than 7976/77) than British demand (3% more). The back‐up system, which was rationalised during the year, dealt with nearly as many requests (5%) as the locations service (5.5%), which showed an improved performance. The pilot transport schemes in London and the North West were completed, and plans were made for the extension of rail/road services over the whole country. Over £1,800,000 was spent on acquisitions, and the number of current serials acquired rose to 49,300. The Gift and Exchange Section became able to receive large quantities of material direct, rather than being notified on cards. Work started on a new building with 40 miles of shelving, due for completion in 1979. Increased funds were spent on conservation, for which a long‐term programme is being prepared. Other aspects covered are translating services, MEDLARS, courses and seminars, research and computer applications, publications, and publicity and visitors.