Analysis Transformation and Digitalization of MSMes ( Literature Review)

Soesilo, Rahman; Tampubolon, Liosten Rianna Roosida Ully

doi:10.55927/fjmr.v2i3.3660

Cited by 3 publications

(1 citation statement)

References 11 publications

Supporting

Mentioning

Contrasting

Order By: Relevance

“…Some scholars believe that banks' digital transformation has increased costs, such as technology investment, and has hurt financial performance. Some scholars have found through empirical analysis that banks' digital transformation does not directly bring about a significant improvement in overall performance [44]. However, it can significantly improve the profitability of banks' deposit and loan business and the efficiency of income acquisition, indicating that digital transformation does have a specific effect on banks' operating performance.…”

Section: Discussionmentioning

confidence: 99%

COVID-19, Digital Transformation of Banks, and Operational Capabilities of Commercial Banks

Yongjie

Jin

2023

Sustainability

View full text Add to dashboard Cite

The development of financial technology has promoted the innovation and digital transformation of commercial banks. Through digital transformation, commercial banks can improve bank efficiency and operational capabilities. Through empirical analysis, this study explored the relationship between digital bank transformation and commercial bank operating capabilities and how COVID-19, bank categories, and enterprise life cycles affect the relationship between digital bank transformation and commercial bank operating capabilities. This study selected data from China’s commercial banks from 2011 to 2021 and used the regression method of fixed effects to conduct an empirical analysis. The research results show that the digital transformation of banks has improved the operational capabilities of commercial banks. Further analysis showed that the emergence of COVID-19 has negatively affected their relationship. At the same time, compared with rural commercial banks and commercial banks in the recession and phase-out periods, non-rural commercial banks and commercial banks in the growth and maturity stages play a more vital moderating role in the impact of the digital transformation of banks on the financial performance of commercial banks. The main research object of this study is Chinese commercial banks, and this study examines the results of banks’ digital transformation and enriches the research on digital transformation. At the same time, this study is helpful to investors who like investment banks and has good practical significance.

show abstract

Section: Discussionmentioning

confidence: 99%

COVID-19, Digital Transformation of Banks, and Operational Capabilities of Commercial Banks

Yongjie

Jin

2023

Sustainability

View full text Add to dashboard Cite

show abstract

AI’s call: Jordan’s MSMEs answer with intent

Abaddi

2024

JEEE

View full text Add to dashboard Cite

Purpose Artificial intelligence (AI) is a powerful and promising technology that can foster the performance, and competitiveness of micro, small and medium enterprises (MSMEs). However, the adoption of AI among MSMEs is still low and slow, especially in developing countries like Jordan. This study aims to explore the elements that influence the intention to adopt AI among MSMEs in Jordan and examines the roles of firm innovativeness and government support within the context. Design/methodology/approach The study develops a conceptual framework based on the integration of the technology acceptance model, the resource-based view, the uncertainty reduction theory and the communication privacy management. Using partial least squares structural equation modeling – through AMOS and R studio – and the importance–performance map analysis techniques, the responses of 471 MSME founders were analyzed. Findings The findings reveal that perceived usefulness, perceived ease of use and facilitating conditions are significant drivers of AI adoption, while perceived risks act as a barrier. AI autonomy positively influences both firm innovativeness and AI adoption intention. Firm innovativeness mediates the relationship between AI autonomy and AI adoption intention, and government support moderates the relationship between facilitating conditions and AI adoption intention. Practical implications The findings provide valuable insights for policy formulation and strategy development aimed at promoting AI adoption among MSMEs. They highlight the need to address perceived risks and enhance facilitating conditions and underscore the potential of AI autonomy and firm innovativeness as drivers of AI adoption. The study also emphasizes the role of government support in fostering a conducive environment for AI adoption. Originality/value As in many emerging nations, the AI adoption research for MSMEs in Jordan (which constitute 99.5% of businesses), is under-researched. In addition, the study adds value to the entrepreneurship literature and integrates four theories to explore other significant factors such as firm innovativeness and AI autonomy.

show abstract

Exploring the Barriers to Digital Financial Inclusion Amongst Businesses in the Informal Sector

Arendse,

Van Den Berg

2024

2024 IST-Africa Conference (IST-Africa)

View full text Add to dashboard Cite

Analysis Transformation and Digitalization of MSMes ( Literature Review)

Cited by 3 publications

References 11 publications

COVID-19, Digital Transformation of Banks, and Operational Capabilities of Commercial Banks

COVID-19, Digital Transformation of Banks, and Operational Capabilities of Commercial Banks

AI’s call: Jordan’s MSMEs answer with intent

Exploring the Barriers to Digital Financial Inclusion Amongst Businesses in the Informal Sector

Contact Info

Product

Resources

About