Related papers: Fintech and MSEs Innovation: an Empirical Analysis
This paper investigates the impact of financial technology (FinTech) on the financial sustainability (FS) of commercial banks. We employ a three-stage network DEA-Malmquist model to evaluate the FS performance of 104 Chinese commercial…
This paper explores the impact of banking fintech on reducing financial risks in the agricultural supply chain, focusing on the secondary allocation of commercial credit. The study constructs a three-player evolutionary game model involving…
Financial technology (FinTech) has been playing an increasingly critical role in driving modern economies, society, technology, and many other areas. Smart FinTech is the new-generation FinTech, largely inspired and empowered by data…
The adoption of artificial intelligence (AI) offers transformative potential for small and medium-sized enterprises (SMEs), particularly in enhancing financial decision-making processes. However, SMEs often face significant barriers to…
Applications of Reinforcement Learning in the Finance Technology (Fintech) have acquired a lot of admiration lately. Undoubtedly Reinforcement Learning, through its vast competence and proficiency, has aided remarkable results in the field…
Gamification has the potential to make significant contributions to financial product delivery, Fintech services, and inclusive growth. The integration of gamification into FinTech applications has shown a positive correlation with the…
This study explores the role of big data adoption and financial market development in driving ESG investments in developing countries, using an instrumental variable (IV) approach to address endogeneity. The results show that big data…
Digital transformation challenges financial management while reducing costs and increasing efficiency for enterprises in various countries. Identifying the transmission paths of enterprise financial risks in the context of digital…
A growing trend in financial technology (fintech) is the use of mobile phone data and machine learning (ML) to provide credit scores- and subsequently, opportunities to access loans- to groups left out of traditional banking. This paper…
Identifying and then implementing an effective response to disruptive new AI technologies is enormously challenging for any business looking to integrate AI into their operations, as well as regulators looking to leverage AI-related…
Recently, digital transformation has caught much attention of both academics and practitioners. With the advent of digital technologies, small-and-medium-sized enterprises (SMEs) have obtained the capacity to initiate digital transformation…
Digital Financial Services continue to expand and replace the delivery of traditional banking services to the customers through innovative technologies to meet the growing complex needs and globalization challenges. These diversified…
This paper explores various socioeconomic factors that contribute to individual financial success using machine learning algorithms and approaches. Financial success, a critical aspect of all individual's well-being, is a complex concept…
We study whether Fintech disrupts the banking sector by intensifying competition for scarce deposits funds and raising deposit rates. Using difference-in-difference estimation around the exogenous removal of marketplace platform investing…
In software-engineering research, many empirical studies are conducted with open-source or industry developers. However, in contrast to other research communities like economics or psychology, only few experiments use financial incentives…
This paper studies the response of stock markets relative to the banking sector to innovation by using a panel of 75 countries from 1982 to 2021. We find that innovation increases the activity, efficiency and size of stock markets relative…
Portfolio underdiversification is one of the most costly losses accumulated over a household's life cycle. We provide new evidence on the impact of financial inclusion services on households' portfolio choice and investment efficiency using…
In recent years, more and more state-owned enterprises (SOEs) have been embedded in the restructuring and governance of private enterprises through equity participation, providing a more advantageous environment for private enterprises in…
The study examines the relationship between mobile financial services and individual financial behavior in India wherein a sizeable population is yet to be financially included. Addressing the endogeneity associated with the use of mobile…
This study investigates the role of employee motivation as a critical factor in effective business management and explores how financial and non-financial motivators shape engagement and performance. Based on a quantitative survey of 102…