Fintech and Financial Inclusion in Southeast Asia and India

Morgan, Peter J.

doi:10.1111/aepr.12379

Cited by 49 publications

(18 citation statements)

References 5 publications

(9 reference statements)

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“…It also provides greater visibility and transparency into their financial transactions, allowing for more informed decision-making (Jünger & Mietzner, 2020). Lastly, financial technology fosters greater financial inclusion by facilitating access to financial services and products for previously underserved or excluded populations (Morgan, 2022). Therefore, hypotheses two and three of this study are as follows: H2a…”

Section: Fintech Penetration and Product Servicesmentioning

confidence: 95%

The Role of Knowledge and Penetration of Fintech Services in Improving MSMEs of Fishermen and Marine Farmers in Remote Small Islands Region

Pentury

2023

J. Theor. Appl. Manage.

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Objective: This study aims to investigate the impact of knowledge and current penetration of fintech services on the overall performance of micro, small, and medium-sized enterprises (MSMEs), which in this case were fishermen and marine farmers. Design/Methods/Approach: This study utilized data from nine fishing villages with two hundred respondents. The data was collected using a questionnaire based on the purposive sampling technique, then analyzed using SmartPLS and path analysis. Findings: Knowledge had direct and indirect positive and significant effects on the overall managerial performance of fishermen and marine farmers. In addition, the user experience might increase the rapid adoption of fintech, improving the performance of MSMEs in small island regions. Originality/Value: This study highlights the importance of fintech knowledge for increasing the uptake and impact of fintech among MSMEs in remote small island areas, which has escaped the attention of scientific research. Practical/Policy implication: Given the results, more effort is needed to increase the knowledge of MSMEs in small islands region regarding services and risk to increase the participation of MSMEs in fintech.

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Section: Fintech Penetration and Product Servicesmentioning

confidence: 95%

The Role of Knowledge and Penetration of Fintech Services in Improving MSMEs of Fishermen and Marine Farmers in Remote Small Islands Region

Pentury

2023

J. Theor. Appl. Manage.

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“…A comparable location has been documented in the study of Banna et al (2022), Gozman et al (2022) and Hollanders (2020). Secondly, FinInc additionally considerably grows deposits and decreases the pro-cyclicality risk of the banking zone (Demirgu ¨c ¸- Kunt and Klapper, 2013;Morgan, 2022). Hence, with an inclusive FinTech-based financial area, MFIs will probably experience lower (more significant) risky financial stability inside South Asia.…”

Section: Data Collectionmentioning

confidence: 99%

Financial inclusion based on financial technology and risky behaviour of micro-finance institutes: evidence from South Asian micro-finance banks

Hussain

Rasheed

2023

DPRG

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Purpose The purpose of this paper financial technology (FinTech) revolutions are promptly remodelling the worldwide financial industry and facilitating financial inclusion initiatives with the aid of micro-finance institutions. Such hi-tech modifications are anticipated to sell the stableness of the financial system and lessen its predominant actors’ risk-taking behaviour. However, there needs to be more practical proof to guide the effect of financial inclusion based on financial technology on the risky behaviour of South Asia micro-finance institutes. Design/methodology/approach Therefore, the authors industrialised a fresh index to calculate financial inclusion based on financial technology and empirically measure its position in decreasing the risk-taking approach of micro-finance institutes. The use of numerous robustness examinations endorsed the rationality of the authors’ outcomes. Findings Z-scoring or standard scoring outcomes of FinInc support the extant studies displaying its incredible connection with economic stability, which interprets as a terrible courting with risky behaviour of micro-finance institutes. Consequently, the authors highlighted the significance of the universality and openness of financial technology solutions in minimising risk of micro-finance institutes. Moreover, the authors concluded that financial technology is greater related to small-size micro-finance institutes. Originality/value This study currently focusing South Asia, which has not been explored before, and it is the first time to research financial inclusion with Fintech in this area.

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“…About the same time also, Geraldes, Gama, & Augusto, (2022) analysed data from 61 countries worldwide and posit that financial literacy is a necessary condition for financial inclusion irrespective of the economic conditions of the countries. See also Morgan (2022) for observation in Asian countries. In America, Lusardi & Mitchell, (2014) observe that financial illiteracy is both widespread and adversely affects the quality of financial decision-making.…”

Section: Empirical Literaturementioning

confidence: 99%

Factors Influencing Saving Behaviour of Nigerians

Ikue

Denwi

Ariolu³

et al. 2022

IJFA

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Purpose: This paper is motivated by the dearth of domestic savings required for inclusive economic growth in Nigeria. The paper examines the impact of financial literacy and socio-economic factors on Nigerians saving behaviour. Methodology: The models are estimated with linear probability and probit estimators. There are three categories of variables in the models; the independent variables, which are the computed scores of financial literacies; control variables, which are the measures of demographic and socioeconomic factors and; the dependent variables, which are the measures of frequencies of saving in three financial institutions in Nigeria. Findings: Our finding resonates with policy debates suggesting that improving Nigerians knowledge about finance and financial services would foster Nigerians saving behaviour. We observed also that households with 1 – 4 persons have tendency to put away more money as savings. The paper documented that the optimum household size for accelerating saving is 5-6 persons beyond which enforces financial exclusion or dissaving, among others. Unique contributions to theory, practice and Policy: This paper provide fresh evidence on the influence of the newly financial literacy scores variables designed by the National Bureau of Statistics (NBS) on Nigerians saving behaviour. It equally, expanded the saving literature by considering differently level of household sizes to explained Nigerians saving behaviours. Consequent on the findings the paper suggested that the Federal Government of Nigeria in collaboration with the States governmant reenforce the National Financial Inclusion Strategy framework and include a finance course to be made mandatory and taught at all levels of education in Nigeria. The paper also suggested a rethink on the Nigerian population policy to an aggressive campaign on family planning aimed at reducing fertility level to about 2 – 3 children per family.

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Fintech and Financial Inclusion in Southeast Asia and India

Cited by 49 publications

References 5 publications

The Role of Knowledge and Penetration of Fintech Services in Improving MSMEs of Fishermen and Marine Farmers in Remote Small Islands Region

The Role of Knowledge and Penetration of Fintech Services in Improving MSMEs of Fishermen and Marine Farmers in Remote Small Islands Region

Financial inclusion based on financial technology and risky behaviour of micro-finance institutes: evidence from South Asian micro-finance banks

Factors Influencing Saving Behaviour of Nigerians

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