Understanding the role of digital finance in facilitating consumer online purchases: An empirical investigation

Wang, Zhimao; Huang, Xucheng

doi:10.1016/j.frl.2023.103939

Cited by 17 publications

(5 citation statements)

References 3 publications

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“…Another study discussed the implications of green DF for green environment, noting that green DF and green agricultural growth contributed to the green economic recovery of the BRICS economies [46]. Moreover, regarding environmental awareness and behavior, related studies have confirmed the role of DF in promoting the corporate social responsibility of pollution-intensive industries and facilitating consumer online purchases [47,48].…”

Section: Research On the Carbon Effect Of Dfmentioning

confidence: 98%

Can Digital Finance Enable China’s Industrial Carbon Unlocking under Environmental Regulatory Constraints? Joint Tests of Regression Analysis and Qualitative Comparative Analysis

Xu,

2024

Sustainability

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Sustainable development goals challenge the carbon lock-in dilemma of the industrial economy, and identifying the motivation and mechanism behind carbon unlocking has become an urgent priority. With its inclusive and precise advantages, digital finance (DF) provides a new impetus for the economy’s low-carbon transformation, while reasonable environmental regulation (ER) acts as an important guiding constraint. We focus on the carbon unlocking performance of DF under ER constraints. After constructing and calculating the industrial carbon unlocking efficiency (ICUE), we observe the trends of ICUE fluctuating positively, clustering towards the eastern region, and polarization. Subsequently, based on theoretical analyses, we explore the marginal and configuration effects of DF and ER in improving ICUE using panel data from 30 Chinese provinces between 2011 and 2021 and adopt a mixed research method with regression analysis (Tobit hierarchical regression and quantile regression for panel data (QRPD)) and dynamic fuzzy-set qualitative comparative analysis (fsQCA). The regression analysis results show that DF can notably enhance China’s provincial ICUE, with ER generally serving as a positive moderator; however, the unlocking potential of informal environmental regulations needs further exploration. As ICUE improves in a specific location or time, the positive contribution of DF to ICUE also increases, whereas the moderating effect of ER exhibits an optimal range and follows an inverted U-shape. The dynamic fsQCA results support the findings of the regression analysis and further emphasize that effective cooperation between DF and ER is crucial for high ICUE, while inadequate DF support and the absence of formal environmental regulations remain bottlenecks in industrial carbon lock-in. Moreover, configuration paths demonstrate clear path dependency in both time and space, indicating a prolonged unlocking endeavor.

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Section: Research On the Carbon Effect Of Dfmentioning

confidence: 98%

Can Digital Finance Enable China’s Industrial Carbon Unlocking under Environmental Regulatory Constraints? Joint Tests of Regression Analysis and Qualitative Comparative Analysis

Xu,

2024

Sustainability

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“…Wang et al, 2022). Prior study has investigated the impact of perceived ease of use of technology in finance on individuals' attitudes toward adoption (Alalwan et al, 2016;McLean et al, 2020;Z. Wang & Huang, 2023).…”

Section: An Examination Of the Determination Of Fintech Adoption Amon...mentioning

confidence: 99%

Determinant Factor Analysis of Financial Technology Adoption Among Halal Sector Microenterprises in Indonesia

Devi,

Firmansyah,

Yuniarto

et al. 2023

Amwaluna

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This study offers an empirical analysis of the factors that influence the customer attitudes towards the adoption of Financial Technology services within the Micro, Small, and Medium Enterprises (MSMEs) sector. Using Survey method, a total of 240 respondents from MSMEs were included in the sample for this study. These respondents were selected from 16 different areas located in five typical provinces in Indonesia, namely Aceh, West Sumatera, Jakarta, West Java, and East Java. This research investigates the impact of several key factors on the consumer attitudes of MSMEs towards the adoption of FinTech. These factors include Perceived Ease of Use, Digital Literacy, Risk Perception, Infrastructure, Entrepreneurial Spirit, and Perceived Usefulness. This paper utilized the Structural Equation Modelling (SEM) technique to analyse various measurement, observations, and a hybrid model. The results of the study suggest that within the specific domain of halal sector MSMEs in Indonesia, there is no significant impact of parameters such as digital finance literacy, perceived risk, and perceived utility on the adoption of digital financial services. Nevertheless, it has been observed that the perceived ease of use, the presence of adequate infrastructure, and the presence of an entrepreneurial mindset have been found to have a positive and statistically significant influence on the adoption of financial technology services among MSMEs. This study also offers theoretical and practical implications for key stakeholders seeking to enhance the utilization of financial technology services among MSMEs in Indonesia

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“…Digital finance atau keuangan digital mencakup sejumlah besar produk keuangan baru, bisnis keuangan, perangkat lunak terkait keuangan, dan bentuk baru komunikasi dan interaksi pelanggan-yang disampaikan oleh perusahaan financial technology (fintech) dan penyedia layanan keuangan yang inovatif (Gomber et al, 2017). Keuangan digital merupakan integrasi layanan keuangan dan teknologi untuk menyediakan cara yang lebih mudah, cepat, dan nyaman bagi masyarakat untuk mengakses dan mengelola keuangan mereka (Wang & Huang, 2023).…”

Section: Pendahuluanunclassified

“…Keuangan digital telah mengubah industri ritel dengan memungkinkan konsumen melakukan pembelian online dengan mudah, dengan munculnya metode pembayaran digital seperti pembayaran seluler, dompet digital, dan perbankan online telah memungkinkan konsumen melakukan pembelian dari mana saja di dunia (Wang & Huang, 2023). Hal tersebut telah meningkatkan ukuran pasar ritel online, karena lebih banyak orang dapat mengakses pasar dan melakukan pembelian menggunakan keuangan digital, dimana pembayaran seluler telah muncul sebagai mode keuangan digital pilihan untuk pembelian online, terutama di negara berkembang, dan ppsi pembayaran seluler ini telah merevolusi industri ritel, memungkinkan konsumen melakukan pembayaran dan menerima barang dan jasa tanpa meninggalkan rumah mereka (Wang & Huang, 2023).…”

Section: Kajian Teori Dan Hipotesisunclassified

Keuangan digital: suatu studi literatur

Artha

Sari

et al. 2023

E-BISMA

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The financial industry has experienced a continuous evolution in service delivery due to digitization, where this evolution is characterized by expanded connectivity and improved information processing speed both at the customer interface and in back-office processes. The role of contracts in the economy has recently received great attention, where contracts are an important element of the operation of a market economy. The relevance of digital finance and financial inclusion for poverty alleviation and economic growth is of interest to policymakers and academics alike, particularly because of a number of issues that if addressed can make digital finance work better for individuals, businesses, governments and economies. Digital finance and financial inclusion have several benefits for financial service users, digital financial providers, governments and the economy such as increasing financial access among poor individuals, reducing financial intermediation costs for banks and fintech providers, and increasing aggregate spending for governments. The purpose of this study was to determine the determinants of digital finance. This study used a systematic literature review method and used 18 articles as study material, which were obtained from the scopus.com and sciencedirect.com pages. The results of the study show the determinants of digital finance, both variables that influence, are influenced or mediate. The results of the literature study did not find digital finance as a moderating variable.

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Understanding the role of digital finance in facilitating consumer online purchases: An empirical investigation

Cited by 17 publications

References 3 publications

Can Digital Finance Enable China’s Industrial Carbon Unlocking under Environmental Regulatory Constraints? Joint Tests of Regression Analysis and Qualitative Comparative Analysis

Can Digital Finance Enable China’s Industrial Carbon Unlocking under Environmental Regulatory Constraints? Joint Tests of Regression Analysis and Qualitative Comparative Analysis

Determinant Factor Analysis of Financial Technology Adoption Among Halal Sector Microenterprises in Indonesia

Keuangan digital: suatu studi literatur

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