The adoption of digital financial inclusion in developing countries: a systematic literature review

Ranabhat, Deepesh; Verma, Narinder; Kumar, Devesh; Siringoringo, Hotniar

doi:10.1504/ijef.2022.122178

Cited by 4 publications

(2 citation statements)

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“…They have also compared the levels of DFI between men and women (Gammage et al, 2017). A systematic literature review has been conducted by Ranabhat, Verma, Kumar, and Siringoringo (2022) based on 93 papers, referring to the Scopus database, which was published in the period 2015 -2020 and explored the antecedents of digital financial inclusion in developing countries. They found that the variables that were frequently applied to answer the determinant of DFI were perceived ease of use and perceived usefulness.…”

Section: Introductionmentioning

confidence: 99%

Digital financial literacy and digital financial inclusion: A multigroup analysis based on gender

Widyastuti,

Respati,

Mahfirah

2024

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The objective of this research is to explore the relationship between digital financial literacy (DFL) and digital financial inclusion (DFI) while considering gender differences. The study employed convenience sampling and collected primary data through a questionnaire. The analysis involved a multi-group assessment to examine how DFL influences DFI in distinct gender categories. The results reveal a noteworthy association between DFL and DFI among both females and males. Interestingly, the impact of DFL on DFI appears to be more pronounced within the female group, suggesting that enhancing digital financial literacy can be particularly beneficial for women's financial inclusion. However, it is essential to note that the disparity in the effect of DFL on DFI between the two gender groups does not reach statistical significance. This finding underscores the overall significance of DFL in advancing digital financial inclusion across all genders. These results have substantial implications for policymakers and financial institutions. The study underscores the importance of promoting digital financial literacy to improve digital financial inclusion. While the influence of DFL seems slightly stronger for females, addressing digital financial literacy comprehensively for all genders remains vital in the pursuit of inclusive financial systems. By expanding digital financial literacy initiatives and making them accessible to diverse populations, policymakers and financial institutions can contribute to more equitable financial inclusion. This research highlights the need for gender-inclusive strategies and underscores that bolstering DFL can be a pivotal step towards achieving comprehensive financial inclusion on a broader scale.

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Section: Introductionmentioning

confidence: 99%

Digital financial literacy and digital financial inclusion: A multigroup analysis based on gender

Widyastuti,

Respati,

Mahfirah

2024

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“…Maharjan et al (2022) explore the challenges faced by online buyers in Kathmandu Valley regarding FinTech adoption, emphasizing issues like slow internet and lack of awareness. Ranabhat et al (2022) conducted a systematic literature review and highlighted major variables that affect digital finance. The research identified 74 independent variables that impact digital finance, with major factors including perceived usefulness, ease of use, social influence, trust, perceived risk, effort expectancy, performance expectancy, and facilitating conditions.…”

Section: Introductionmentioning

confidence: 99%

Customer Perception toward Digital Financial Services: A Case of Pokhara, Nepal

Dhungana,

Adhikari,

Ojha

et al. 2023

Butwal Campus J.

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The banking industry is undergoing a significant digital transformation, embracing digital finance as a pivotal aspect of the financial system. Because of digitalization, the financial sector has seen a steady evolution in the provision of financial services over the past few decades. Digital finance service providers offer several new financial products, financial businesses, finance-related software, and unique modes of client communication and interaction. This study aims to assess customer perceptions and identify the key factors influencing their views on digital finance. This study followed a quantitative research design. It is based on primary data collected from 211 respondents through a field survey using a researcher-administered questionnaire in the Pokhara Valley of Nepal. Descriptive statistics and inferential statistics were applied to analyze the data using SPSS software. The study found security, convenience, and adaptability have a positive and significant influence on digital finance, with security having the most substantial impact. The findings contribute to the understanding of the factors influencing customer perceptions and adoption of digital financial services (DFS), offering valuable implications for policymakers, financial institutions, and service providers aiming to enhance the digital finance landscape in both urban and rural communities.

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Digital transformation in higher education: A comprehensive review of e-learning adoption

Shard,

Kumar,

Koul

2024

HSM

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BACKGROUND: Data-driven practices are now crucial in the digital age for streamlining operations and boosting output across a range of industries. With e-Learning emerging as a cutting-edge and promising strategy to improve educational delivery and student engagement, higher education institutions are also adopting this trend. Despite the potential advantages, e-Learning adoption in higher education is still a developing topic with scant published research. OBJECTIVE: This study aims to conduct a thorough analysis of existing literature, seeking to determine the present status of e-Learning adoption in higher education while also identifying promising avenues for further research. METHODS: In this study, a systematic literature review methodology and a bibliometric approach are utilized to examine 63 papers sourced from the Scopus database, encompassing the years 2017 to 2021. These papers were specifically chosen due to their pertinence to e-Learning adoption in higher education institutions, following the exclusion and inclusion criteria outlined in the preferred reporting items for systematic reviews and meta-analyses (PRISMA) framework. The analysis techniques employed include descriptive overviews, citation analysis, and keyword co-occurrence. RESULTS: The systematic review of the literature revealed a significant increase in e-Learning adoption within higher education institutions (HEIs) in recent times. The findings highlighted several crucial factors influencing e-Learning adoption, including perceived ease of use, usefulness, learner attitude, self-efficacy, and facilitating conditions. However, further investigation is needed to better understand the impact of perceived learning and teaching styles on e-Learning acceptance in higher education settings. CONCLUSION: This study suggests conducting future investigations on e-Learning in developing countries, with a specific focus on intention, usage, adoption, and impact. Additionally, it emphasizes the importance of exploring the influence of learning and teaching styles on e-Learning acceptance within higher education institutions. These valuable insights will facilitate the development of effective strategies for the successful implementation of e-Learning in higher education settings.

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The adoption of digital financial inclusion in developing countries: a systematic literature review

Cited by 4 publications

References 0 publications

Digital financial literacy and digital financial inclusion: A multigroup analysis based on gender

Digital financial literacy and digital financial inclusion: A multigroup analysis based on gender

Customer Perception toward Digital Financial Services: A Case of Pokhara, Nepal

Digital transformation in higher education: A comprehensive review of e-learning adoption

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