Regional Identity’s Role in Cambodian Microfinance Adoption: Pushing, Pulling and Mooring Factors

Abstract

By sampling usage intention factors of users in rural Cambodia, the study shows their effects on usage intention by integrating PPM and Reinforcement Sensitivity theories. Most of the behavioral factors are adopted from previous research. Perceived risk, reward sensitivity and knowledge prove to have significant effect on usage intention whereas regional identity does not. Regional identity proves to have moderating and negative effects on relationships between reward sensitivity, perceived risk, knowledge, and usage intention. The research results reinforce major roles for both government and microfinance institutions in considering and providing insights for future policy, management and investigations.

Using extended complexity theory to test SMEs’ adoption of Blockchain-based loan system

“…Perceived risk is included in the push effect to represent factor that drive SMEs away from using Blockchain-based lending system. Pull factors refer to the factors that lead to satisfaction with new products or services [23]. In this study, it refers to the factors that cause SMEs to be satisfied with Blockchain-based loan systems.…”