Leveraging Technology Options for Financial Inclusion in India

Alabdooli

2021

JGBC

Self Cite

FinTech is the combination of innovation and technology to deliver financial products and services to stakeholders. The paper aims to investigate the impact of FinTech on the competitiveness and performance of the banking industry in the UAE. The research is empirically tested based on the 76 banking professionals and executives (bankers) from Dubai (UAE). The findings suggest that the adoption of FinTech had a significant influence on the competitiveness and competitiveness results in the performance of the banking industry in the UAE. The second findings suggest that proper adoption of FinTech and aligning with the management of technology also have a direct impact on the performance of the baking industry in the UAE. The study becomes important because the UAE Banking industry serves almost 200 nationalities and its performance depending on FinTech and competitiveness. Supplementary Information The online version contains supplementary material available at 10.1007/s42943-021-00033-9.

Section: Theoretical Backgroundmentioning

confidence: 99%

Role of FinTech Adoption for Competitiveness and Performance of the Bank: A Study of Banking Industry in UAE

Alabdooli

2021

JGBC

Self Cite

“…It is a big system with a huge database behind it that can provide data with complex analysis which helps in decision-making (Chopra et al, 2013;Chopra et al, 2015;Silva and Lima, 2018). The availability of these systems has shifted the job within the organization to focus more on business strategy and play a major role in management rather than running individual HR processes (Silva and Lima, 2018).…”

Section: Literature Reviewmentioning

confidence: 99%

Role of Digitalization in Business Process to Reduce Manpower: A Case of Human Resource Management Process

Dwivedi¹,

Dwivedi²,

Adilson³

et al. 2023

IJEBA

Purpose:The research aims to understand the layoffs currently going on in the technology industry across the world. The study aims to understand the impact due to digitalization on the HRM process and the requirement of manpower (human). Design/methodology/approach: The study used secondary data about layoffs and then tried to get insight and reasons from 63 industry experts. The regression modeling using Minitab is developing to understand the layoff reasons. Findings: it has been identified that digitizing the HR processes helped in improving HR task execution. However, most have agreed that the Human element is needed within the HR department. This study is only based on convenience sampling from the author's network. Findings also suggest that manpower is needed in HRM but it will be reduced over a while in the future. Practical implementation: Organizations are using and adopting newer technologies for transforming business processes. World-class organizations are continuously pouring investments in newer technologies for improving their supply chain management (SCM), customer relationship management (CRM), human resource management (HRM), etc. It helps organizations to achieve effectiveness, efficiency, and productivity and reduce dependency on manpower. Human resource function is going through lots of changes using technology and the old way of managing HR function is no longer an option for any organization regardless of the size of the organization. Originality value:The research refers to digitalization as another reason for layoff where most of the experts think the economic slowdown is the reason. Therefore, digitalization should also be counted towards layoff reasons.

“…The characteristics of the low cost, wide coverage, and high efficiency of DIF have lowered the financing threshold for startups and overcome the disadvantages of traditional financial transactions such as high transaction costs and insufficient supply of financial resources. At the same time, DIF covers the 'service blind spots' of traditional finance, which is conducive to reshaping the economic production pattern; this scenario promotes green technology innovation and offers new possibilities for encouraging the coordinated development of the economy and the environment [8][9][10]. Few studies are related to DIF and industrial pollution.…”

Section: Introductionmentioning

confidence: 99%

Financial Inclusion through Digitalization: Improving Emerging Drivers of Industrial Pollution—Evidence from China

Xiong,

Li,

Jenny

et al. 2023

Sustainability

As an emerging product of the coupling of digital technique and traditional finance, digital inclusive finance (DIF) may play a vital role in alleviating the contradiction between economic growth and environmental contamination. This paper utilises the panel data from various provinces in China as a sample to empirically test the effect of DIF on industrial pollution. The study found that (1) DIF and its sub-dimension coverage (DIF_B) and depth of use (DIF_D) have significant governance effects on industrial pollution, and the conclusion remains valid even when endogeneity is considered; (2) the mediation effect test found that the upgrading of the industrial structure and the degree of technological innovation are important transmission paths for DIF to reduce industrial pollution; (3) the heterogeneity test found that the effect of DIF on industrial pollution control successively showed a pattern of weakening in the centre, eastern, and western regions, while the treatment effect of DIF on industrial wastewater is better than that of industrial waste gas, and the effect on industrial solid pollutant emissions has a U-shaped non-linear relation that is first suppressed and then promoted; (4) the threshold effect test found that DIF, DIF_B, and DIF_D all have a double threshold effect on industrial pollution. Based on the empirical outcomes, this paper proposes measures to improve the development mechanism of DIF, formulate differentiated monetary support and oversight policies under local conditions, and build and enhance the supervision mechanism of the digital financial industry and prevent systemic risks.