Abstract:The article aims to identify the stage of development of Fintech in the Balkan countries given the existence of numerous influencing factors Fintech is present in the Balkan countries, with a landscape colorfully generated by the different factors as the involvement of public authorities, the EU membership of only a few countries, the level of financial and digital education of the population. In order to highlight the variables influencing Fintech and financial inclusion in selected countries, specific indica… Show more
“…Add in the digital inclusive finance and rural household financial availability to make a return to the integration of rural industries, the results are shown in Table 5 Model 2, the coefficient of digital financial inclusion is insignificant and the coefficient of financial accessibility is significant, indicating a full mediation effect, which verifies the previous hypothesis 2. With the development of digital inclusive finance, credit constraints in rural areas are gradually alleviated, more farmers receive loans, enhancing the accessibility of finance [ 51 – 53 ], meeting the financing needs of all subjects in the industry chain and further promoting the breadth and depth of rural industrial integration.…”
The integration of rural industries will inevitably lead to new business forms and new models, which put forward new requirements for traditional agricultural finance. The development of digital inclusive finance will provide new momentum for the integration of rural industries. Based on the provincial panel data from 2011 to 2020, the evaluation index system is constructed from three dimensions: industrial integration method, integration subject and integration format, and the development index of rural industrial integration is calculated. This paper establishes double fixed effect model and intermediary effect model to test the effect and path of digital inclusive finance on the integration of rural industries, and further explores the regulatory role and spatial difference of financial support. The results show that: (1) The integration of rural industries shows a growing trend, the eastern region develops more rapidly, while the central and western regions develop more slowly; (2) The digital inclusive finance can promote the integration of rural industries, digitization degree is remarkable, but coverage breadth and using depth are not significant, increasing the rate of per capita electricity consumption and urbanization can promote the integration of rural industries, consumption has limited pulling effect on the integration of rural industries, the per capita investment in fixed assets has no significant effects on the integration of rural industries; (3) The financial availability and the agricultural digitization play a complete intermediary effect; (4) Financial support has a negative moderating effect on the relationship between the two; (5) The eastern and central regions have a significant promoting effect, while the western region has a negative effect.
“…Add in the digital inclusive finance and rural household financial availability to make a return to the integration of rural industries, the results are shown in Table 5 Model 2, the coefficient of digital financial inclusion is insignificant and the coefficient of financial accessibility is significant, indicating a full mediation effect, which verifies the previous hypothesis 2. With the development of digital inclusive finance, credit constraints in rural areas are gradually alleviated, more farmers receive loans, enhancing the accessibility of finance [ 51 – 53 ], meeting the financing needs of all subjects in the industry chain and further promoting the breadth and depth of rural industrial integration.…”
The integration of rural industries will inevitably lead to new business forms and new models, which put forward new requirements for traditional agricultural finance. The development of digital inclusive finance will provide new momentum for the integration of rural industries. Based on the provincial panel data from 2011 to 2020, the evaluation index system is constructed from three dimensions: industrial integration method, integration subject and integration format, and the development index of rural industrial integration is calculated. This paper establishes double fixed effect model and intermediary effect model to test the effect and path of digital inclusive finance on the integration of rural industries, and further explores the regulatory role and spatial difference of financial support. The results show that: (1) The integration of rural industries shows a growing trend, the eastern region develops more rapidly, while the central and western regions develop more slowly; (2) The digital inclusive finance can promote the integration of rural industries, digitization degree is remarkable, but coverage breadth and using depth are not significant, increasing the rate of per capita electricity consumption and urbanization can promote the integration of rural industries, consumption has limited pulling effect on the integration of rural industries, the per capita investment in fixed assets has no significant effects on the integration of rural industries; (3) The financial availability and the agricultural digitization play a complete intermediary effect; (4) Financial support has a negative moderating effect on the relationship between the two; (5) The eastern and central regions have a significant promoting effect, while the western region has a negative effect.
“…The terminology has since gained the attention of scholars from varied areas of expertise. For instance, the definition has been used by Karahanna and Limayem (2000), Apostu et al (2023) and Thornhill et al (2009). However, due to the limited scope to critique the trajectory of relevant arguments, this is the first research effort to narrate innovation negativism in construction management.…”
Section: Innovation Negativism: In Search Of a Conceptualisationmentioning
confidence: 99%
“…The terminology has since gained the attention of scholars from varied areas of expertise. For instance, the definition has been used by Karahanna and Limayem (2000), Apostu et al . (2023) and Thornhill et al .…”
Section: Innovation Negativism: In Search Of a Conceptualisationmentioning
confidence: 99%
“…Negativism frames a stance in which innovations that are seen to “threaten traditional norms” are rejected “as a defence against contagion” (Thornhill et al ., 2009, p. 117). Apostu et al . (2023, p. 9) explain that innovation negativism is a factor that limits innovation adoption by promoting “functional and psychological barriers” to customers' decision-making.…”
Section: Innovation Negativism: In Search Of a Conceptualisationmentioning
PurposeThe recent failures and insolvencies of organisations related to the modern methods of construction (MMC) have gained increased attention and controversy across the UK construction sector. Such failures are linked to their inability to achieve an economy of scale and drive key clients to accept the MMC as an alternative to traditional methods. This paper aims to unravel whether a phenomenon of “innovation negativism” has manifested and is contributing to public clients' indecision towards broader MMC, whether this is only linked to past negative experiences formed after the Second World War or whether additional contributing reasons exist to influence adoption.Design/methodology/approachThis study focusses on exploring the decision-making of the UK public construction sector; therefore, this paper adopts a qualitative approach, utilising interviews with 14 carefully selected MMC experts, government advisors and public clients. The phenomenological stance adopted herewith enables the authors to make better sense of the perceptions of the interviewees, leading to the conceptualisation of the innovation negativism phenomenon.FindingsThe paper identifies nine themes that may be argued to promote a profound understanding of the MMC negativism influencing public clients' decision-making. The study has found that more than just the previous negative perceptions formulated post Second World War are driving innovation negativism in the UK public sector. Notably, the emerging themes are incomprehension, lacking evidence, communication, relationship history, bad experiences, uncertainty, inadequate experimentation, the business case and localism.Originality/valueThis study is the first construction management research that acts as a fair departure point to conceptualise the reasoning behind innovation negativism in the construction setting. Through mirroring demand's unipolarity for traditional methods, policy and decision-makers can now rely on the conceptualised reasoning to determine practical solutions to overcome clients' indecisions towards MMC.
“…A study by Apostu et al (2023) conducted on a sample of Baltic countries (Slovenia, Croatia, Bosnia and Herzegovina, Serbia, Montenegro, Albania, Macedonia, Bulgaria and Romania) shows that the Balkan countries are not homogeneous in terms of Fintech and financial inclusion, the differences being generated both by IT development and the openness of the population to the use of new financial services and products, but also by public policies in the financial field.…”
Section: Review Of the Scientific Literaturementioning
In the current context, due to the changes taking place in the national business environment, we can also observe certain changes in the business environment of credit institutions, which are forced to take certain decisions with a direct or indirect impact on the profitability of the institutions in question. Therefore, the aim of this research is to identify the factors that generate banking performance, as measured by return on assets (ROA). The data collected from Raiffeisen Bank Romania's newsletters in the period 2007-2022., were processed econometrically with the statistical software SPSS using a simple linear regression in order to assess the existence of a dependency relationship between the dependent variable represented by Return on Assets (ROA) and a series of statistical regressors, represented by: number of banking units, own funds ratio, number of employees, ROBOR index, monetary policy interest rate and digital customers. The results of the study revealed the existence of a causal relationship between ROA and the chosen statistical regressors, and based on these correlations, the most optimal decisions that can contribute to the improvement and efficiency of the banking unit's activity were identified.
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