Data Security, Customer Trust and Intention for Adoption of Fintech Services: An Empirical Analysis From Commercial Bank Users in Pakistan

Wenxiang, Zhang; Siyal, Saeed; Riaz, Samina; Ahmad, Riaz; Hilmi, Mohd Faiz; Li, Zhi

doi:10.1177/21582440231181388

Cited by 24 publications

(2 citation statements)

References 98 publications

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“…Selain itu, keamanan dan perlindungan data juga menjadi perhatian utama, mengingat transaksi keuangan dan informasi sensitif konsumen yang diolah melalui platform digital. Oleh karena itu, perusahaan perlu menjaga integritas dan keamanan sistem mereka agar dapat memenangkan kepercayaan konsumen (Zhang et al, 2023).…”

Section: Perubahan Dalam Industri Keuangan Dan Perdaganganunclassified

Transformasi Industri Keuangan Dan Perdagangan Melalui Fintech Dan E-Commerce: Studi Analisis Dampak Dan Tantangan

Hilda,

Gusti

2024

J. Ekon. STIEP

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This research aims to analyze the transformation of the finance and trade industry triggered by the adoption of fintech and e-commerce, as well as identify the impacts and challenges faced by companies and consumers in this digital era. The research method used is a literature review and descriptive study using secondary data. The results of the analysis show that fintech and e-commerce have brought significant changes in the financial and trade sectors, including financial service innovation, financial inclusivity, and shopping efficiency. The research identifies challenges such as data security, complex regulation, and intensifying competition in the digital marketplace. To face this challenge, companies and businesses need to design the right strategy in adopting digital technology, establish partnerships with technology companies, improve human resource capabilities, and pay attention to regulations and data security. This research provides deep insights into the transformation of the finance and commerce industry in the era of fintech and e-commerce, and provides guidance for companies and regulators in creating a safe and profitable environment in the digital age.

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Section: Perubahan Dalam Industri Keuangan Dan Perdaganganunclassified

Transformasi Industri Keuangan Dan Perdagangan Melalui Fintech Dan E-Commerce: Studi Analisis Dampak Dan Tantangan

Hilda,

Gusti

2024

J. Ekon. STIEP

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“…To utilization of information system, this model executes basic concepts measuring the perception of the usefulness of the system and the perception of the amount of effort (Davis, 1989) cited by (Marikyan et al, 2023). Besides, trust and security-related issues are also emerging issues, which have been accepted academically and practically (Zhang et al, 2023). With this literal connection, the study incorporates trust and perceived risk as the independent variables.…”

Section: Literature Reviewmentioning

confidence: 99%

A Bitcoin Conscience: Dispositional Experiences of Nepalese Users

Adhikari,

Gyawali

2024

Am. J. Multidis. Res. Innov.

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The purpose of this study is to explore the behavioral intention (BI) of Nepalese cryptocurrency users. Perceived ease of use and perceived usefulness are the constructs from the technology acceptance model; similarly, the trust and the perceived risk are integrated constructs based on literature to predict BI. A close-ended questionnaire survey was a five-point Likert scale. Non-probabilistic purposive sampling , 272 valid responses were analyzed using the statistical package for the social science software, which included Pearson correlation and multiple regression. The result reveals that perceived usefulness, trust, and perceived risk are the significant predictors of BI, however insignificant in relation to perceived ease of use. While consumers have shown positive behavioral intentions toward cryptocurrency, the government has insisted that the restriction is in effect. So, there seems to be a conflict between the practicability of government and the psychology of users. To cope with this, policymakers need to conduct real practice-based studies.

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Mobile banking services and financial inclusion among customers of commercial banks: Evidence from an emerging economy

Saeed,

Donkoh

2024

Bus Strat Dev

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The study is set against the backdrop of rapid technological advancements in the banking sector, specifically in the adoption of mobile banking. Over the last three decades, the banking industry in Ghana, like many others in emerging economies, has transitioned from traditional, branch‐based banking services to more automated and digital solutions. This transformation has been largely driven by increasing internet penetration, mobile phone adoption, and the need to reach underserved populations. Despite these advances, a significant proportion of the population remains financially excluded, with limited access to formal financial services. Thus, mobile banking offers an opportunity to enhance financial inclusion, particularly for marginalised communities in Ghana. The study aims to investigate the factors influencing mobile banking services and assess how they impact financial inclusion among customers of commercial banks in an emerging economy. The study through the use of a structured questionnaire gathered 65 primary data from managers and supervisors within 13 commercial banks in Ghana. The study employed a purposive sampling technique to select the 13 commercial banks whilst using convenience sampling to gather data from managers and supervisors within these banks. The results show that mobile banking transfer has a significant negative relationship with financial inclusion, but mobile account management has a significant positive relationship with financial inclusion. Furthermore, the results depict that Mobile banking payment and financial inclusion have no significant relationship. Policy development should focus on increasing financial inclusion among unbanked individuals, enabling access to banking services. Commercial banks should innovate mobile money connections and expand motivation for technical financial inclusion to provide value‐added services and improve access to financial services, ultimately promoting financial inclusion. The study shed light on the impact of mobile banking transfer, mobile banking payment, and mobile account management on financial inclusion in Ghana. The study further provides implications for commercial banks and policymakers in sub‐Saharan Africa.

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Data Security, Customer Trust and Intention for Adoption of Fintech Services: An Empirical Analysis From Commercial Bank Users in Pakistan

Cited by 24 publications

References 98 publications

Transformasi Industri Keuangan Dan Perdagangan Melalui Fintech Dan E-Commerce: Studi Analisis Dampak Dan Tantangan

Transformasi Industri Keuangan Dan Perdagangan Melalui Fintech Dan E-Commerce: Studi Analisis Dampak Dan Tantangan

A Bitcoin Conscience: Dispositional Experiences of Nepalese Users

Mobile banking services and financial inclusion among customers of commercial banks: Evidence from an emerging economy

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