The integration of the financial industry and financial technology (Fintech) plays a pivotal role in increasing financial services reach and inclusion for the large unbanked population in Indonesia. Fintech adoption optimization expands the financial access to formal financial institutions, especially to vulnerable groups such as the unbanked population who predominantly reside in rural areas far from formal financial institutions. Fintech is viewed as a game changer to bring finance to the unreached communities via information technology and digital financial landscape. In this causal research, data collection was done via online questionnaires to 485 Fintech users between December 2020 and April 2021. Data analysis and path modelling was performed using smartPLS 3.0 software. Result shows user innovativeness as a significant predictor, directly and indirectly affecting the adoption of Fintech in Indonesia, while user attitude found the most important factor towards Fintech adoption. Financial literacy is the least important variable to predict Fintech adoption, contrary to popular belief. This indicates that Fintech usage requires less financial literacy and is potential to reach unbanked population and those with low financial literacy. To make Fintech more inclusive, the government needs to accelerate improving Information and Communications Technology (ICT) infrastructure such as widening mobile broadband penetration and soft infrastructure by encouraging Fintech startup, allowing regulatory sandbox for startups, and driving financial institutions to innovate through Fintech to bring financial services to unbanked population.

Corporate social responsibility (CSR) has become an innovative strategic management tool of socially and environmentally conscious business organizations in the 21st century. Although external CSR activities are better researched, firms’ internal CSR activities such as workplace health promotion and its impact on employee wellbeing are less understood, especially during a pandemic where job security is relatively lower in many sectors of employment. Additionally, wellbeing and good health have been recognized as important targets to achieve as part of the United Nation’s Sustainable Development Goal 3. Therefore, this study investigates the relationship between health-related work benefits and employee wellbeing, satisfaction and loyalty to their workplace. Large scale survey research was performed with responses from 537 employees in Hungary and 16 hypotheses were tested. Data analysis and path modelling using PLS-SEM (Partial Least Squares Structural Equation Modelling) reveal two-layers of factors that impact employee wellbeing, satisfaction and loyalty. We term this as ‘internal locus of control’ and ‘external locus of control’ variables. Internal locus of control variables such as mental and emotional health leads to wellbeing at the workplace but do not directly impact employee satisfaction and loyalty. In contrast, external locus of control factors such as healthcare support leads to wellbeing, satisfaction and loyalty. Employer commitment to healthcare support system is found pertinent especially during the pandemic. We discover wellbeing as a unique standalone construct in this study, which is vital as is it formed by mental and emotional wellbeing of employees, albeit not a determinant of employee workplace satisfaction and loyalty. We theorize workers’ self-reliance and preservation as possible explanations to the disassociation between employee wellbeing and loyalty to workplace during times of crisis and the pandemic.

The rapid advancements in information and communication technology during the third industrial revolution of the late 20th century has marked the beginning of a new era in the retail sector with the introduction of E-commerce. The dawn of the new century witnessed industry 4.0, revolutionizing all areas of online business by bringing in novel opportunities and possibilities. Despite the progress in technology, the determination of correct pricing on online selling platforms still remains a very complex task. The adoption of big data technology has enabled online sellers to make real-time price changes of high magnitude and proximity. However, with increasing awareness among buyers regarding modern pricing strategies, it is necessary to examine probable changes in consumer behavior when exposed to dynamic pricing scenarios. This study investigates the factors that influence consumer behavior, and their prospective online purchase decisions in a dynamic pricing context, through an exploratory factor analysis approach. A primary research survey was conducted, and 178 samples were finalized for data analysis through a series of web surveys completed by respondents in India. This study identifies, measures and classifies 27 research items into variables, namely shopping experience, privacy concerns, awareness about dynamic pricing, buying strategy, fair price perceptions, reprisal intentions and intentions for self-protection. These seven factors could be used to explain consumer behavior in a dynamic pricing situation.

Airbnb is a home-sharing mobile platform that enables tourists and local hosts to connect. Airbnb mobile app allows hosts to list down the space available for rent and allow tourists to look for accommodations that are often more localized. Historical cities are often engaging tourists using traditional hotel reservation methods such as phone reservations or booking by travel agents, however, given digital disruption more local businesses are adopting technology in their business. This motivated the current study to assess the rate of peer-to-peer technology pervasiveness in historical city tourism, particularly for hotel booking using Airbnb app. This research investigates the factors that predict tourists’ behavioural intention to use Airbnb app when they travel to the historical city of Malacca in Malaysia by adopting the Extended Unified Theory of Acceptance and Use of Technology (UTAUT2) model and by critically evaluating the exhaustiveness of the theory to measure tourists’ use of a mobile app. Partial Least Square analysis was used to test the research model, construct path model and to validate research hypotheses. The results from a sample of 200 tourists who visited and stayed in Malacca show that price value and social influence have high significant positive influence on their behavioural intention to use Airbnb app when booking accommodation in the historical city. In contrast, hedonic motivation and habit were found not significant, potentially due to the short-term and occasion-specific usage of Airbnb app not forming enjoyment in the process of usage, which raises concerns on applicability and relevance of UTAUT2 theory to measure user adoption of a mobile app for tourism. A peculiar finding in the study is the significant negative influence of facilitating condition to behavioural intention, for which we explain a plausible cause in the paper.

This ongoing study investigates the characteristics of innovation and its influence as a success factor for female entrepreneurs in Malaysia. It starts by presenting an extensive review of literatures in the area of entrepreneurship, particularly focusing on women entrepreneurs. Purposive sampling, namely snowball sampling method is used to collect data from small and medium enterprises owned by female entrepreneurs in Malaysia. The study examines the associations among Innovation Conviction (ICN), Innovation Mindset (IMT), Innovation Creed (ICD) and the Need for Achievement (NFA). Descriptive and inferential statistics were carried out to the gathered data and presented in this paper. Findings indicate that ICN, ICT and IMT are positively correlated with the Need for Achievement among female entrepreneurs in Malaysia.