Blockchain Technology Adoption in Supply Chain Finance

Rijanto, Arief

doi:10.3390/jtaer16070168

Cited by 76 publications

(63 citation statements)

References 37 publications

(78 reference statements)

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“…Second, other decision types in supply chain finance are also not considered in this study. Supply chain financial decision making may involve many complex problems ( Rijanto, 2021 ), which requires professionally trained loan officers to support decision making. Therefore, it is not clear whether the loan officers’ credit decision-making choices specifically refer to their business expertise.…”

Section: Discussionmentioning

confidence: 99%

“…To date, related studies on supply chain finance have mainly focused on innovation in the operation mode, benefit distribution mechanism, risk prevention ( Caniato et al, 2016 ), and smart technology application ( Rijanto, 2021 ) but have ignored the potential impact of the 3PL guaranteeing firm scale on credit willingness in supply chain finance. In reality, firm scale is an important factor that restricts various aspects of firm operation, which indicates its strength, capital, and future development prospects ( Beck et al, 2005 ).…”

Section: Introductionmentioning

confidence: 99%

“…Due to “information asymmetry, “the bank implements credit rationing and cannot meet the loan requirements of SMEs to avoid serious adverse selection ( Joseph and Weiss, 1981 ; Kirschenmann, 2016 ). The application of smart technologies such as blockchain ( Rijanto, 2021 ) and well-trained loan officers can minimize the impact of these factors. However, the supply chain finance credit is ultimately determined by the loan officer based on the materials submitted by the enterprise.…”

Section: Introductionmentioning

confidence: 99%

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The Impact of the Scale of Third-Party Logistics Guaranteeing Firms on Bank Credit Willingness in Supply Chain Finance: An ERP Study

et al. 2022

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Supply chain financing guaranteed by third-party logistics (3PL) firms is an effective way to solve the financing difficulties of small and medium-sized enterprises (SMEs). Studies have explored factors that affect the willingness of supply chain financial credit providers under guarantee of 3PL firms (e.g., the scale of financing enterprises and credit). However, whether the scale of 3PL firms will affect the bank’s credit decision has not been studied, as well as the neural processing of credit decisions. To clarify these issues, this study extracted behavioral and event-related potentials (ERPs) data when participants performed a selection task of judging whether to grant credit to guaranteed financing-seeking enterprises according to the large or small scale of the 3PL guaranteeing firms. The behavioral results showed that under the condition of a large-scale 3PL guaranteeing firm, the willingness to provide credit to SMEs was higher than that under the condition of a small-scale 3PL guaranteeing firm. This finding indicates there was credit scale discrimination against 3PL guaranteeing firms in supply chain finance. The ERP results showed that compared with the condition of a large-scale 3PL guaranteeing firm, a greater N2 amplitude was induced under the condition of a small-scale 3PL guaranteeing firm, which indicated that credit decision makers experienced greater perceived risk and more decision-making conflict. In contrast, a larger LPP amplitude was detected under the condition of a large-scale 3PL guaranteeing firm (as opposed to a small-scale firm), which indicated that large-scale 3PL guaranteeing firms received more positive comments and more positive emotions from credit decision makers than small-scale 3PL guaranteeing firms. Based on these results, this study reveals the cognition process of credit decision makers regarding the impact of the 3PL guaranteeing firm scale on the willingness to provide credit in supply chain finance and explains the theory of credit scale discrimination from the perspective of decision neuroscience.

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Section: Discussionmentioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

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The Impact of the Scale of Third-Party Logistics Guaranteeing Firms on Bank Credit Willingness in Supply Chain Finance: An ERP Study

et al. 2022

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“…First introduced by Davis (1986) , the TAM posits that the acceptability of an information system is influenced by individuals' judgments of ease of use and usefulness. Consumer acceptance of various forms of technology can be explained in large part by TAM, which has gained strong empirical evidence (e.g., Rijanto, 2021 ). Davis (1989 , P. 320) defined ease of use as “the degree to which a person believes that using a particular system would be free of effort”.…”

Section: Conceptual Framework and Hypotheses Developmentmentioning

confidence: 99%

The role of trust and privacy concerns in using social media for e-retail services: The moderating role of COVID-19

Alzaidi

Agag

2022

Journal of Retailing and Consumer Services

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“…The smart contract [25] of blockchain technology may match and verify the transaction data from approval to payment and automatically trigger relevant transactions. The blockchain technology architecture [26] provides a safe, irreversible, and transparent storage method for the supply chain data, whose database is distributed and termed decentralization. Its benefits in devising an SCF platform are apparent.…”

Section: Blockchain Technique As a Financial Service Platformmentioning

confidence: 99%

Selecting the Fintech Strategy for Supply Chain Finance: A Hybrid Decision Approach for Banks

et al. 2022

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Many banks are eager to adopt technology solutions to enhance operational efficiency in managing supply chain finance, which involves various participants and complex financial activities. Previous research either focuses on the technology aspect or the optimization of a supply chain; there is little specific guidance on how banks can form a holistic model to evaluate their Fintech strategy for supply chain finance. By using an integrated approach, this study adopted the decision- making trial and evaluation laboratory (DEMATEL) and several analytical methods to construct a hybrid decision model for banks. We concluded four plausible Fintech strategies from previous research and highlighted the advantages of the blockchain-based strategy. We used a domestic bank in Taiwan as a case study during the evaluation phase and implemented crisp and confidence-based fuzzy assessments. The result indicates that the blockchain-based leading strategy would be ideal for this bank. The hybrid decision model also unveils the complicated relationships among those evaluation factors, which sheds light on banks pursuing their innovation in financial services. The findings contribute to banks developing their Fintech-based supply chain financing business, and the supply chain participants may also benefit from securing efficient loans to expedite their operations.

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Blockchain Technology Adoption in Supply Chain Finance

Cited by 76 publications

References 37 publications

The Impact of the Scale of Third-Party Logistics Guaranteeing Firms on Bank Credit Willingness in Supply Chain Finance: An ERP Study

The Impact of the Scale of Third-Party Logistics Guaranteeing Firms on Bank Credit Willingness in Supply Chain Finance: An ERP Study

The role of trust and privacy concerns in using social media for e-retail services: The moderating role of COVID-19

Selecting the Fintech Strategy for Supply Chain Finance: A Hybrid Decision Approach for Banks

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