This study aims to reveal the predictors of individuals’ financial behavior associated with credit default for accurate and reliable credit risk assessment. Within the scope of credit use research, a systematic review of 108 studies was performed. Among the reviewed studies, a fair number have analyzed the determinants of default and delinquency. A remarkable number has examined the factors affecting outstanding and problematic debt levels, and some have investigated the financial behavior in terms of responsibility, debt repayment, and credit misuse. A wide range of socioeconomic, demographic, psychological, situational, and behavioral factors was explored, and their role in predicting the investigated outcome domain at various time-points was analyzed. The main analysis techniques and mix of predictors in papers also differed based on different time periods. While the synthesis of findings revealed some strong and consistent predictors for each outcome variable, mixed results were obtained for some factors. Additionally, a cluster of new practices that includes a wide range of alternative factors to improve prediction accuracies were uncovered. Study findings revealed a paradigm shift regarding the use of non-traditional data sources, especially big data, and novel techniques.
Today, every firm and organization must digitally transform in order to survive and deal with increasing competition and dynamic market conditions. Digital transformation is not easy to achieve, and many factors play an important role in the successful digital transformation of firms. Leaders' leadership styles and characteristics play a crucial role in digital transformation. This study examines the effects of generative leadership and digital literacy of executive management on the digital maturity of micro and small firms based on the Upper Echelons Theory. Sub-dimensions of digital maturity are also considered and searched to provide a more detailed analysis. The research utilized a survey method and was conducted with 121 upper, middle, and first-line managers of 93 micro and small-size firms operating in the Marmara Region of Turkey. Frequency, factor, regression, and validity and reliability analyses through the SPSS package program were used. The results are two folds. First, generative leadership and digital literacy of executive management help flourish digital maturity when searched independently. Second, the study results indicate that the digital literacy of executive managers has a mediating effect on the relationship between generative leadership and digital maturity. Furthermore, the study proves the mediating effect on digital maturity's technological, strategic, and cultural maturity subdimensions. With these findings in micro and small businesses, the study comprehensively contributes to the current knowledge in this domain.
Purpose The purpose of this study is to examine how consumers perceive the importance of using robot technologies for 12 services evaluated under two categories considering the technology acceptance model (TAM). Design/methodology/approach The conceptual model analysis used structural equation modeling with the partial least squares estimation method, considering 638 responses. Findings The results revealed that the perceived importance (PI) of robotic service delivery tasks under “room division” and “food and beverage and secondary services” affect perceived usefulness (PU) and perceived ease of use (PEOU) differently. Besides, PEOU and PU significantly influence attitudes toward using robot-staffed hotels. Research limitations/implications The nonprobability convenience sampling method was used as the data collection method. Future studies that prefer probabilistic methods will open a different perspective for evaluating the results. Practical implications This study’s empirical findings reveal which robot-delivered services are found significant by the customers and contribute to increased customer satisfaction and loyalty. In addition, it guides accurate demand and investment planning for the tourism and hospitality industry in the post-COVID-19 era. Originality/value To the best of the authors’ knowledge, previous literature has not tested or confirmed the effects of PI related to two groups of robotic service delivery tasks on utilitarian variables. This study contributes to the literature by examining how different robotic service delivery tasks are linked to the TAM framework in a hotel setting.
Digitalization has significant power to boost the performance of small and medium-sized enterprises (SMEs). Most scholars approached the phenomenon from different standpoints by examining the effects of information technology skills, digital skills, information systems capabilities, information and communication technologies (ICT) adoption, and digitalization on firm performance. However, although the terms are interrelated, the impact of digital maturity on SMEs' performance has been rarely investigated. Digital maturity examines the extent of digitalization and digital capabilities of organizations, which is essential in evaluating state-of-the-art organizations' digitalization efforts and providing a roadmap for further improvement. Although digitalization offers various benefits to organizations, its direct effect on the performance outcome is still arguable. Prior studies had revealed mixed findings when they assessed the impact of digital maturity on firm performance. Hence, some studies called for research for the examination of possible intervening variables. Consequently, this study examines the effects of digital maturity and organizational agility on firm performance. Furthermore, the moderating role of organizational agility in the digital maturity-firm performance link is also investigated. Data for testing the proposed model was collected from SMEs in the Marmara Region of Turkey using a convenience sampling technique. The structural equation modeling with partial least squares estimation (PLS-SEM) approach was used to analyze 119 responses collected from SMEs via face-to-face and online questionnaires. Eighty-two of the respondents identified themselves as entrepreneurs/partners. 13 respondents are senior executives, 14 are mid-level managers, 8 are white-collar employees, and two stated that they work in different positions than these. The findings show that organizational agility and digital maturity have a positive impact on firm performance. However, when the role of organizational agility is examined as a moderator, it is discovered that the factor reduces the effect of digital maturity on firm performance.
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