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This study aims to establish a comprehensive framework for adopting mobile-based artificial intelligence (AI) services in Tanzanian manufacturing small and medium enterprises (SMEs).

The methodology involved conducting a literature review and using the combination of Mobile Services Acceptance Model and Innovation Diffusion Theory (IDT) as a theoretical foundation. This synthesis delves into the current knowledge on technology adoption, organizational behavior and innovation diffusion, creating a solid conceptual basis. Expert review was used for framework validation to ensure the framework's accuracy.

This study shows that the factors influencing the adoption of mobile-based AI services in Tanzanian manufacturing SMEs include perceived usefulness, perceived ease of use, context, personal initiatives and characteristics, trust, infrastructure, cost, mobility, power distance, compatibility, observability and trialability.

The framework provides valuable insights tailored to Tanzanian sociocultural and economic nuances. However, its generalizability is limited due to its specificity to Tanzanian manufacturing SMEs.

The framework outlined in this research provides SME leaders, policymakers and technology implementers with valuable guidance to make informed decisions during the adoption process.

This study introduces a novel lens for understanding technology adoption. This study's focus on the Tanzanian context and its nuanced examination of contributing factors add to its originality and practical significance.

The purpose of this study is to investigate how the implementation of digital banking services (mobile applications) by globally systemically important banks (G-SIBs) affects banks’ performance in the USA and Europe from 2005 to 2022.

The study employs advanced econometric methods to analyze the link between deposits and banking performance, utilizing linear regressions and multivariate Bayesian regressions.

Our results indicate that customer deposits positively impact a bank’s performance after the introduction of the mobile application feature of check deposits, whereas social risk negatively impacts banking financial performance. These findings support the hypothesis that technology implementation improves the profitability and growth of traditional banks.

While findings are robust econometrically in linear and Bayesian regressions, variables reflecting the digitalization of banks remain limited. For instance, the number of mobile users or the volume of digital transactions per bank since the implementation of the mobile app is not available.

In a rapidly growing technology and constantly changing customers behaviors, this research has practical implications from bankers’ perspective to continue the technological innovation efforts and from regulators’ perspective to strengthen requirements for the digital banking services.

We provide empirical evidence that including a banking app for smartphones’ users for remote banking services benefit the financial performance of banks. However, the social risk remains significant for banks in terms of customers' satisfaction, data privacy and cybersecurity.

This paper employs an innovative approach to create a mobile app “discriminatory” factor and examine the relationship between deposits and banks’ performance before and after the introduction of a mobile app for too-big-to-fail banks in Europe and the USA. Additionally, we consider the social risk component of the ESG score, as a bank’s decision to implement mobile applications and technology for its customers potentially affects social risks associated with customer satisfaction and technology usability.

This chapter examines mobile payments and digital banking services. The past decade has seen a rapid increase in the use of alternative payment systems, away from cash to electronic payments. The digitalization of payments includes business-to-business (B2B), customer-to-business (C2B), and government-to-business and consumers (G2B/C), whether the payments are by computer, wire transfers, and point of sale (POS) systems. POS systems have become a standard in many retail outlets. Mobile payments use a smart device for contactless pay. Consumers see the increasing prevalence of payment systems when they go to the retail checkout or service counter. Worldwide, mobile payments are approaching 50% of digital. Digitalized payment systems are becoming more secure, decreasing concerns over mistaken payments, fraud, and errors. Consumers' confidence in value and usage decreases with age. Most fraud is due to scams and not hacking. Greater access to improved infrastructure and affordable smart devices will expand the usage of digitalized payment systems worldwide.

The rapid growth of the mobile money industry has been matched by a rise in mobile money fraud. The technology required to apprehend perpetrators of such fraud is nonexistent in most developing countries. Hence, the need for individuals to be willing to pay for insurance against such frauds is crucial. This paper aims to examine individuals’ willingness to pay for insurance against mobile money fraud in Ghana.

The paper uses nationally representative data collected from 4,266 adults (persons 18 years and above) in Ghana. Individuals’ willingness to pay premiums for protection against mobile money fraud was elicited by a single-bound dichotomous choice and open-ended contingent valuation designs.

On average, 24.34% of Ghanaians are willing to pay premiums for insurance against mobile money frauds, with more men (26.37%) being willing than women (22.56%). Similarly, the average monthly premium that men are willing to pay for protection against mobile money fraud is GH¢32.16 (US$8.16), while that of women is GH¢22.5 (US$5.62). Furthermore, the results show that years of schooling, income, previous fraud experience, and using the accounts for saving are all positively associated with willingness to pay. However, using other networks apart from MTN has a negative association with willingness to pay.

To the best of our knowledge, this is the first study that examines willingness to pay for insurance against mobile money fraud. Thus, this is the first that estimate quantitatively how much mobile account holders will pay as premiums for insurance against mobile money fraud.

This study aims to identify the status of virtual library system development in university libraries. It also attempted to examine the availability of virtual library services and reveal the challenges being faced by university librarians of Punjab province, Pakistan in providing virtual library services.

The study used a quantitative research method by using a questionnaire to address the study’s objectives. In total, 62 university libraries in Punjab province, Pakistan were the population of the study. A purposive sampling technique was applied to gather the required data from the respondents.

Results showed that most of the study’s respondents are well aware of the potential benefits of virtual library systems in universities for the delivery of innovative smart services to library patrons. The libraries delivered different virtual library services to meet the diverse needs of the library patrons. The respondents faced the challenges of funding, expertise, technical support, leadership, strategic planning and training to adopt virtual library systems and services in university libraries.

The study has provided a framework based on empirical findings of the study to efficiently adopt virtual library systems and services in university libraries for the delivery of smart services to end users. It has provided pertinent theoretical and practical implications.

The purpose of the study is to find out the impact of Digital Financial Inclusion (DFI) on economic growth [(Industrial Production Index (INDP)] of Bangladesh.

Using the monthly data over the period 2018 M12 to 2021 M12, this study applied the Auto-regressive Distributed Lag (ARDL) model to assess the effect of DFI indicators on INDP. The secondary data was collected from the Bangladesh Bank and CEIC Global Economic Data.

The study found that the majority of DFI indicators are positively associated with INDP. From the short-run ARDL, it is seen that one unit positive increase in Point of Sales Transactions (POST) can increase the INDP by 0.055 units. From the long-run ARDL, it is seen that POST and e-commerce transactions (ECOMT) have a significant positive impact, while Automated Teller Machine Transactions (ATMT) have a significant negative effect on INDP. One unit increase in POST and ECOMT increases INDP by 0.13544 and 0.11611 units, respectively.

During the era of the fourth industrial revolution, the findings will be beneficial for policymakers, financial technology service providers, manufacturers, consumers, corporations and investors as they pave the way for a more inclusive approach to financial transactions for economic growth.

The study’s novelty is that it explored the influential DFI indicators and shed light on both short-run and long-run relationships between the indicators and macro-economy from the context of a developing nation.

The peer review history for this article is available at: https://publons.com/publon/10.1108/IJSE-04-2023-0306

Fintech has revolutionized personal finance, introducing innovative tools that offer unprecedented access, efficiency, and security in managing finances. This chapter explains fintech's personal finance applications, from intuitive budgeting apps and advanced robo-advisors to peer-to-peer payment platforms. It articulates how these tools have shifted the control and management of finances into the hands of consumers, providing real-time financial data, customized investment strategies, improved credit scores, and streamlined transactions that eliminate the need for traditional intermediaries. Furthermore, this chapter features a select list of FinTech50 firms and highlights how individuals can leverage their services. This comprehensive guide is invaluable for individuals seeking to leverage fintech for personal finance optimization and for professionals keen on understanding and navigating the rapidly evolving fintech landscape.

People start to acknowledge, accept and adopt fintech applications due to its flexibilities, compatibility, ease to use, security and usefulness. A growing body of research reveals a positive perception of micro-enterprises towards fintech instruments. Looking at the potential of the fintech platforms and tools in Malaysia, the purpose of this study is to look at the readiness of micro-entrepreneurs towards using it as a medium in generating more income and profit for their business.

This study uses a quantitative approach with 200 questionnaires distributed to micro-entrepreneurs in Malaysia. IBM SPSS was used to perform a preliminary analysis of the data (descriptive analysis), then partial least squares-structural equation modelling SmartPLS is used to test the hypothesised relationships.

This study found perceived ease of use H1 (β = 0.523, p < 0.01) and trust H4 (β = 0.211, p < 0.10) play an important role in readiness to adopt fintech. Whereas, security H3 (β = 0.068) and perceived usefulness, H2 (β = 0.120) are insignificant (rejected).

This study provides evidence on the factors that contribute most towards the inclination to use fintech application among micro-entrepreneurs. In fact, tightening the policy regarding the security matter could enhance the readiness of micro-entrepreneurs to use fintech application.

This study investigates factors that influence the readiness of micro-entrepreneurs to adopt fintech application, which were not considered by previous studies.

This study aims to draw lessons from the financial technology (FinTech) ecosystem literature through a systematic literature review.

This study systematically studied a sample of 134 articles from the Scopus database to assess the pattern of research development within the scope of the FinTech ecosystem over the last 15 years (2008–2023).

The results obtained indicated that the current research focus leads to several aspects: digital technology and financial inclusion, FinTech and customer behavior, FinTech ecosystem, business model, as well as aspects of governance and regulation. In the effort to develop Islamic FinTech, some aspects that might be targeted include aspects of business development and the Islamic FinTech ecosystem in general, extending financial inclusion to governance and managerial implementation of Islamic FinTech itself.

This research has limitations because it did not focus on the study of more specialized sectors, such as insurance or microfinance institutions, in adopting FinTech, requiring the use of other specifications of institutions in addition to Islamic banking.

This research has substantial theoretical implications in mapping the intellectual structure of Islamic FinTech research, which has been underexplored by previous researchers, as well as providing essential information about which sectors should be prioritized to encourage inclusiveness and overall performance of financial institutions.

This research explores more deeply with a comprehensive approach so that it becomes a pioneer in the study of FinTech ecosystem literature for the development of Islamic FinTech.