Financial inclusion through digitalisation: Economic viability for the bottom of the pyramid (BOP) segment

Gupta, Suraksha; Kanungo, Rama Prasad

doi:10.1016/j.jbusres.2022.04.070

Cited by 37 publications

(13 citation statements)

References 87 publications

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“…Lastly, the study has implications for the FinTech and mobile money literature. This study suggests the potential of the informal economy as a market for FinTech, similar to arguments made about the bottom of the pyramid (Gupta & Kanungo, 2022; Prahalad, 2012). In our study, government or technology firms showed little recognition of the possible benefits to the informal economy.…”

Section: Discussionsupporting

confidence: 81%

Moving away from trading on the margins: Economic empowerment of informal businesses through FinTech

Senyo

Gozman

Karanasios

et al. 2022

Information Systems Journal

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While there have been increasing studies on the impact of financial technology (FinTech), limited research has explored how FinTech supports economic empowerment for informal businesses.Drawing on institutional logics and a case study of mobile money-a FinTech innovation-this study develops a model of mobile money-driven economic empowerment. We argue that this model is important to explain how those at the bottom of the economic pyramid, who are often neglected, use FinTech innovations to create and run informal businesses. Our findings and model explain the dynamics between logics, actors, and mobile money at three levels: regulatory, payments infrastructure, and informal economy. We identify three corresponding effects as outcomes of economic empowerment for informal businesses: greater access to start-up capital, new employment opportunities, and improved financial management. By illustrating these effects, our study contributes to a better understanding of how FinTech innovations offer a possible pathway to economic empowerment for informal businesses.

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Section: Discussionsupporting

confidence: 81%

Moving away from trading on the margins: Economic empowerment of informal businesses through FinTech

Senyo

Gozman

Karanasios

et al. 2022

Information Systems Journal

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“…2. Establish good relations between employees and customers so that they know the weaknesses and strengths of the company itself as well as find out about competing companies with the aim of adding customers or customers (Gupta & Kanungo, 2022). 3.…”

Section: Utilizing Canva Application Training To Improve Skills and P...mentioning

confidence: 99%

Utilizing Canva Application Training to Improve Skills and Product Sales in Micro Small Medium Enterprises (MSMEs) East Java

Sunarto

Setiadi

2023

ijjm

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Micro, Small and Medium Enterprises (MSMEs) are economic businesses in the field of sales or trade that are managed by individuals or business entities. The existence of MSMEs in the technological era needs to utilize applications that can support sales. Canva is a design app that can be used to support sales. Canva's role in Micro, Small and Medium Enterprises (MSMEs) is expected to be an application that makes it easier for actors to market their selling products. This study aims to determine the effect of Canva training on improving the skills and sales of Micro, Small and Medium Enterprises (MSMEs). The approach method used in the implementation of this training activity includes monological and dialogic methods. Based on the results of the study, training on using the Canva application to increase sales and skills has a positive effect on MSME owners. This is due to the use of the Canva application which is easily understood by all people and the costs incurred are not much.

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“…Today, digitalization processes are gaining significant development and are gradually penetrating all sectors of economy and public life. In general, the vast majority of research focuses on the impact of digitalization on the global financial services market [34][35][36][37][38][39][40]. The study of the model of functioning of the financial services market in its separate segments: deposit, credit, insurance and investment showed an important role of banking institutions in the economic development of countries [41].…”

Section: Literature Reviewmentioning

confidence: 99%

The Role of Digital Technologies in the Transformation of Regional Models of Households’ Financial Behavior in the Conditions of the National Innovative Economy Development

Zhavoronok¹,

Popelo²,

Shchur³

et al. 2022

ISI

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Households play one of the key roles in the development of the financial system of any country and the national economy in general. It is the understanding of the behavior of these economic entities in the market of financial services that makes it possible to predict the development of such a market, to understand the mechanisms of the emergence of dissipative processes in the interaction of households and financial institutions, which can form crisis phenomena in the development of such a system and restrain the innovative development of the national economy. This determines the importance and relevance of further research in this direction. Within the article, the impact of modern digital technologies on the development of financial services, in particular financial behavior of households, in the conditions of the formation and active development of the innovative economy is considered. Significant attention is paid to the specification of the methodology for determining the impact of the digitization index and the index of the model transformation of financial behavior of households. It is established that the outlined models are specific and different between various regions in any country. That is why the above method of calculation was used on the example of Ukraine. As a result, information was obtained on the digitalization index, and the transformation index of the financial behavior model of households in twenty-four regions of Ukraine. Based on the use of econometric analysis, algebraic equations of the dependence of the transformation index of the model of financial behavior of households on the digital technologies development in each of the outlined regions were determined.

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Financial inclusion through digitalisation: Economic viability for the bottom of the pyramid (BOP) segment

Cited by 37 publications

References 87 publications

Moving away from trading on the margins: Economic empowerment of informal businesses through FinTech

Moving away from trading on the margins: Economic empowerment of informal businesses through FinTech

Utilizing Canva Application Training to Improve Skills and Product Sales in Micro Small Medium Enterprises (MSMEs) East Java

The Role of Digital Technologies in the Transformation of Regional Models of Households’ Financial Behavior in the Conditions of the National Innovative Economy Development

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