Financial technology revolution and banks' information and communication technology investment: evidence from an emerging economy

Kyari, Adam Konto; Waziri, Bukar Zanna; Gulani, Musa Garba

doi:10.1504/ijtlid.2021.118118

Cited by 3 publications

(3 citation statements)

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“…Digitisation is disrupting the traditional financial services sector, Developing an effective dataled strategy particularly as Fin-Tech firms need to improve their data efficiencies as well as be more innovative in offering new products, services and methods of delivery (Urban and Townsend, 2021). Hence, the rationale for focussing on the Fin-tech industry sector is that the need to formulate and implement an EDLS has become urgent particularly with the move to technology enabled banking solutions (Kyari et al, 2021).…”

Section: Methodsmentioning

confidence: 99%

Developing an effective data-led strategy: managing the enablers

Urban,

Chen,

Reuben

2024

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PurposeDespite that a transformational shift has occurred in many organisations towards data-driven management, many organisations struggle to harness and translate new technology, such as “big data” into a competitive advantage. This study aims to undertake an empirical investigation into the enabling factors which lead to the practice of formulating an effective data-led strategy (EDLS). Leveraging the theoretical lenses of the resource-based view, absorptive capacity and attention-focus view, a range of various factors are hypothesised to influence EDLS.Design/methodology/approachThe study takes place in South Africa and is based on primary survey data focused on the Fin-tech industry sector where the need to formulate and implement an EDLS has become urgent considering the move to technology enabled banking solutions. Partial Least Squares Structural Equation Modelling (PLS-SEM) is used to test the hypotheses.FindingsResults highlight that several factors are related to EDLS as significant predictors, which include the data platform, technical skills, knowledge management, transformation and focus-alignment. This latter factor has the largest influence on EDLS, which suggests that the alignment of focus across multiple firm divisions both vertically and horizontally significantly enables an EDLS.Practical implicationsManagers need to appreciate the intricacy of the range of factors involved in enabling an EDLS. Managers are advised to grow their organisational knowledge regarding which enablers offer the best pathway towards the development of a more robust framework when putting an EDLS into practice.Originality/valueThe article offers new insights into better understanding the relevant antecedents which enable the successful practice of an EDLS from an African emerging market perspective.

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Section: Methodsmentioning

confidence: 99%

Developing an effective data-led strategy: managing the enablers

Urban,

Chen,

Reuben

2024

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“…The benefits of the collaboration of banks with fintechs are ample. Banks have a customer base and infrastructure, while fintechs excel in technology and innovation (Kyari, Waziri & Gulani, 2021). Fintechs' motivations also focus on banks' funds, networks, and reputation.…”

Section: Strategic Alignment and Hybridizationmentioning

confidence: 99%

Untitled

2022

JEMI

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The JOURNAL OF ENTREPRENEURSHIP, MANAGEMENT AND INNOVATION is an interdisciplinary, double blind-reviewed journal, emphasizing theoretical and empirical articles in entrepreneurship, management, innovation and related fields. The journal is published both in printed form and on-line at www.jemi.edu.pl. THE ENTREPRENEURSHIP AREA OF THE JOURNALThe entrepreneurship area of the journal covers the three major topics: 1) venture creation and small business, 2) the impact of entrepreneurship on economic growth including local and regional development, and 3) entrepreneurial attitudes and motives. We invite original papers of theoretical and empirical nature, rooted in the disciplines of economics, management, sociology, political science, and psychology. The interdisciplinary research is encouraged to assure a comprehensive approach to the topics discussed and to advance both theory and practice. THE MANAGEMENT AREA OF THE JOURNALManagement, as a thematic scope of the journal, focuses on theoretical and empirical considerations of various areas, such as: strategic management, operation or production management, human resource management, information and management, contemporary management problems, new methods and management tools, new forms of organization and management, new threats in management, or new challenges in the organization's environment. THE INNOVATION AREA OF THE JOURNALThe innovation area of the Journal's focus will emphasize a broad range of topics and approaches, including (but not limited to): 1) role of private and public sector in development and diffusion of innovations, 2) product, process and business model innovations, 3) profiles of innovative products, structures and processes, aimed at improving management practice and providing inspiration for entrepreneurs, 4) comparative analyses of national, regional policy or sector issues, such as R&D trends, patents, citations etc., 5) theoretical work on economic, organizational and scientific aspects of innovation, encouraging the search for inspirations from various disciplines, including natural sciences, arts and humanities. THE ENTREPRENEURIAL FINANCE AREA OF THE JOURNALThe entrepreneur or entrepreneurial firm, the institutions providing finance to the entrepreneurs, and the different types of financial sources used by the entrepreneurial firms or investors. Among the areas of our special interests might be enumerated: accounting and corporate finance, financial market as a background for SME development, entrepreneurial finance, regulatory and supervisory aspects related to corporate finance.

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“…Past studies have used various theories and models to investigate ICT adoption and usage which include, among others, the technology acceptance model (TAM), theory of reasoned action (TRA), theory of planned behaviour (TPB), diffusion of innovation (DOI), technologyorganisation-environment (TOE), unified theory of acceptance, and use of technology theory (UTAUT) (Nokosi et al, 2012). These theories have been important in evaluating the development of ICT across a wide range of economies and industries (Kyari et al, 2021). In this regard, research shows that the elevated levels of global mobile penetration and ICT are changing the behaviour of consumers and markets, thus creating new markets and marketing methods (Amankwah-Amoah et al, 2018;Wrede et al, 2020).…”

Section: Ict and Entrepreneurshipmentioning

confidence: 99%

The role of mobile and broadband penetration in entrepreneurial activity for the sub-Saharan African region

Urban

Oosthuizen

Chen

2022

Journal of Contemporary Management

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Purpose of the study: Entrepreneurship is highly relevant to sub-Saharan African (SSA) countries where policies have recently been implemented to facilitate new business start-ups by focusing on fixed and mobile broadband technology. This study investigates the extent to which mobile and broadband penetration in SSA countries is associated with entrepreneurial activity and new business density rates. Design/methodology/approach: Data sets from the International Telecommunication Union, Global Entrepreneurship Monitor, and World Bank are analysed across thirteen SSA countries. Findings: Broadband penetration has an increasing trend pattern over the years analysed. Results reveal a positive relationship between the rate of mobile penetration, broadband penetration, and new business density rates, while a negative relationship was detected between the rate of mobile penetration, broadband penetration and the rate of total entrepreneurial activity. Recommendations/value: Policymakers and leaders must realise that as with other forms of infrastructure, broadband and mobile networks have a substantial impact on the entrepreneurial activity and are essential factors in the establishment of new businesses. Managerial implications: Leaders and managers need to invest in infrastructure in terms of ICT which could reduce the cost of operations, distribution, and marketing for existing entrepreneurs and encourage potential entrepreneurs to engage in start-ups (Herrington & Kelly, 2013). B URBAN P OOSTHUIZEN JY CHENThe role of mobile and broadband penetration in entrepreneurial activity for the sub-Saharan African region

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Financial technology revolution and banks' information and communication technology investment: evidence from an emerging economy

Cited by 3 publications

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Developing an effective data-led strategy: managing the enablers

Developing an effective data-led strategy: managing the enablers

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The role of mobile and broadband penetration in entrepreneurial activity for the sub-Saharan African region

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