Template-Type: ReDIF-Article 1.0 Author-Name: N. Sivasankaran Author-X-Name-First: N. Author-X-Name-Last: Sivasankaran Author-Name: Samit Paul Author-X-Name-First: Samit Author-X-Name-Last: Paul Title: Challenges in teaching finance in the COVID era and the remedies: viewpoint from India Abstract: The COVID-19 crisis has compelled the world to experience and weigh the costs and benefits associated with countrywide lockdowns and domestic as well as international travel restrictions. One major development in this coping situation is online teaching, even in the context of business studies. In India, students join B-schools from different parts of the country including rural and remote geographic locations. Very few families from these areas have access to a computer and internet facilities. Hence, it is obvious that there lie unforeseen challenges faced by the finance educators of Indian B-schools in teaching online. With the help of an anonymous case study followed by a simple survey, this study aims to highlight the issues related to learning finance using an online platform in Indian B-schools in the COVID era and tries to offer possible remedies to such problems. Journal: Int. J. of Electronic Finance Pages: 306-316 Issue: 4 Volume: 11 Year: 2022 Keywords: online; finance; case study; teaching; India. File-URL: http://www.inderscience.com/link.php?id=126471 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijelfi:v:11:y:2022:i:4:p:306-316 Template-Type: ReDIF-Article 1.0 Author-Name: Siti Aisah Bohari Author-X-Name-First: Siti Aisah Author-X-Name-Last: Bohari Author-Name: Ruzita Abdul-Rahim Author-X-Name-First: Ruzita Author-X-Name-Last: Abdul-Rahim Author-Name: Aini Aman Author-X-Name-First: Aini Author-X-Name-Last: Aman Title: Role of comparative economic benefits on intention to use e-wallet: the case in Malaysia Abstract: Two years into Malaysia's digital economy transformation plan, consumers' reliance on cash remains intact despite the tremendous responses on the supply side. This study aims to identify proactive measures that can help promote and accelerate mobile payment adoption by examining the antecedents of consumers' intention to use e-wallets at three stages: static, interaction, and transaction. The regression results from 1,147 consumers reveal that differentiating e-wallet usage into three functional services yields valuable insight. The UTAUT constructs are significant when explaining transactional functions, but only performance expectancy and social influence matter for static and interaction functions. Overall, comparative economic value (CEV) is more prevalent than UTAUT in explaining consumers' intention to use e-wallets, while the role of perceived trust is inconclusive. The results suggest that policymakers should improve the regulations and legislation to enhance consumers' trust to induce more e-wallet subscriptions and expedite the country's transformation into a cashless economy. Journal: Int. J. of Electronic Finance Pages: 364-382 Issue: 4 Volume: 11 Year: 2022 Keywords: comparative economic benefits; e-wallets; Malaysia; technology adoption; trust; UTAUT; comparative economic value; CEV. File-URL: http://www.inderscience.com/link.php?id=126476 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijelfi:v:11:y:2022:i:4:p:364-382 Template-Type: ReDIF-Article 1.0 Author-Name: Sudarshan Maity Author-X-Name-First: Sudarshan Author-X-Name-Last: Maity Author-Name: Tarak Nath Sahu Author-X-Name-First: Tarak Nath Author-X-Name-Last: Sahu Author-Name: Debasish Biswas Author-X-Name-First: Debasish Author-X-Name-Last: Biswas Title: Does COVID-19 influence in reshaping the banking habits of the individual? An empirical investigation Abstract: The COVID-19 pandemic outbreak has generated anxieties in many sectors thereby shrinking the economy globally. The rigorous lockdown regulations in India affect all the aspects of the country's economy at a galloping speed. The present study investigates how the pandemic changes the banking habits among people from physical mode to digital mode. The study takes into account 400 customers from West Bengal, India of different commercial banks. The study investigates the results with the application of Wilcoxon sign test, effect size test, Kruskal-Wallis test, etc. The study finds that there is a significant change of banking habits from physical mode to digital mode during the pandemic time. Though the pandemic has not significantly changed the banking habits of rural and female customers and further acceptance of digital banking significantly differs among several customers' age groups. Journal: Int. J. of Electronic Finance Pages: 345-363 Issue: 4 Volume: 11 Year: 2022 Keywords: COVID-19; digital banking; branch banking; pandemic. File-URL: http://www.inderscience.com/link.php?id=126479 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijelfi:v:11:y:2022:i:4:p:345-363 Template-Type: ReDIF-Article 1.0 Author-Name: Swati Chauhan Author-X-Name-First: Swati Author-X-Name-Last: Chauhan Author-Name: Sunil Kumar Author-X-Name-First: Sunil Author-X-Name-Last: Kumar Author-Name: Anshumita Singh Author-X-Name-First: Anshumita Author-X-Name-Last: Singh Author-Name: Manoj Kumar Jain Author-X-Name-First: Manoj Kumar Author-X-Name-Last: Jain Title: Does digitisation affect the technical efficiency of Indian banks? Abstract: This study aims to examine the impact of digitisation on the technical efficiency of Indian banks. It has sampled public and private sector banks from 2001 and 2019 and applied panel data regression to establish the relationship between variables. The results indicate that digitisation in the Indian banking sector has an overall negative impact on the technical efficiency of banks, and there is no problem of endogeneity between the variables. Further, the study has observed that the technical efficiency of private banks has improved more than the public sector banks over the years. Therefore, it contributes to the literature by stressing the adoption of digitisation by a majority of customers for better delivery of banking services because the low adoption rate is negatively affecting the efficiency of the banks. Future researchers can explore digitisation in India's cooperative banks and microfinance institutions as they mainly serve the unbanked and rural areas. Journal: Int. J. of Electronic Finance Pages: 291-305 Issue: 4 Volume: 11 Year: 2022 Keywords: digitisation; technical efficiency; public sector banks; private banks; panel data regression. File-URL: http://www.inderscience.com/link.php?id=126480 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijelfi:v:11:y:2022:i:4:p:291-305 Template-Type: ReDIF-Article 1.0 Author-Name: Vidushi Vatsa Author-X-Name-First: Vidushi Author-X-Name-Last: Vatsa Author-Name: Bhawna Agarwal Author-X-Name-First: Bhawna Author-X-Name-Last: Agarwal Title: Factors impacting adoption and continuous use of contactless digital payments in the new normal Abstract: The study aims to determine factors impacting the behaviour of customers towards the adoption of contactless digital payments and their continuous use. In India, contactless digital payments are also on the rise, more so during the ongoing pandemic but the question arises, whether customers will continue its use even when COVID-19 recedes. Primary data was collected from 217 respondents in India, the theoretical model is based on TAM and the data was analysed using SPSS AMOS software. The study indicates that trust has a significant impact on perceived risk, but surprisingly the results from this study are significantly different from the existing literature and shows that trust does not have any positive impact on other constructs. Perceived risk has been shown in the study to have a negative impact on the constructs. Perceived usefulness has been shown to have a positive effect towards continuous intention to use contactless digital payments. Journal: Int. J. of Electronic Finance Pages: 317-344 Issue: 4 Volume: 11 Year: 2022 Keywords: technology acceptance model; TAM; contactless digital payments; continuous intention to use; new normal. File-URL: http://www.inderscience.com/link.php?id=126481 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijelfi:v:11:y:2022:i:4:p:317-344 Template-Type: ReDIF-Article 1.0 Author-Name: Shalini Gautam Author-X-Name-First: Shalini Author-X-Name-Last: Gautam Author-Name: Priyanka Malik Author-X-Name-First: Priyanka Author-X-Name-Last: Malik Title: Importance of perceived security, perceived privacy and website design of active online investors: an Indian market perspective Abstract: This study was undertaken to explore the determinants which affect the behaviour intention of individuals to make online investments. The technology acceptance model (TAM) was extended by adding perceived security, perceived privacy, and website security. The conceptual model of the study was tested on 220 respondents using the structural equation model (SEM). The findings indicate that perceived ease of use and security are significantly associated with the intention of the consumer to use online investments whereas perceived usefulness is not found to have a statistically significant impact on the intention of the individuals to make online investments. The website design and perceived security contribute to users' perceived ease of use and perceived usefulness but perceived privacy does not contribute to either of them. The present research provides a guide to the organisations which are providing online investment services to individuals and helps them to identify the factors which make the entire process of online investments smooth for an individual. Journal: Int. J. of Electronic Finance Pages: 30-48 Issue: 1 Volume: 11 Year: 2022 Keywords: perceived security; perceived privacy; website design; behaviour intention; online investment behaviour. File-URL: http://www.inderscience.com/link.php?id=120349 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijelfi:v:11:y:2022:i:1:p:30-48 Template-Type: ReDIF-Article 1.0 Author-Name: Sandeepa Kaur Author-X-Name-First: Sandeepa Author-X-Name-Last: Kaur Title: Analysing the impact of personal traits of credit assessors on credit risk assessment Abstract: This paper examines enviable personal attributes of expert credit assessors. The empirical information comprised of 26 experienced credit assessors' interview responses on a personal attribute survey obtained from various Indian banks conducted in November 2020. After examining the personal interviews and based on the outcomes on these meetings, a measurement was built. Based on unstructured interviews a survey questionnaire was developed for enquiring 27 attributes of inquisitors that may affect the credit granting process. Kruskal Wallis and factor analysis has been applied to examine the existence of patterns in the responses provided by specialists and to calculate the relative weights of various indicators. The outcomes demonstrate that the specialist inquisitors are inclined to give higher however less scattered evaluations of the attributes. By exploratory factor analysis credit assessors' responses were consolidated into: competence, core skills and interpersonal skills. The empirical discoveries ought to enhance our comprehension of specialists performing credit evaluations. Journal: Int. J. of Electronic Finance Pages: 67-85 Issue: 1 Volume: 11 Year: 2022 Keywords: credit assessors; personal attributes; credit scoring; Kruskal-Wallis test; factor analysis. File-URL: http://www.inderscience.com/link.php?id=120351 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijelfi:v:11:y:2022:i:1:p:67-85 Template-Type: ReDIF-Article 1.0 Author-Name: Krishan Lal Grover Author-X-Name-First: Krishan Lal Author-X-Name-Last: Grover Author-Name: Pritpal Singh Bhullar Author-X-Name-First: Pritpal Singh Author-X-Name-Last: Bhullar Title: Risk factor disclosure pattern of Indian initial public offering prospectuses: a content analysis Abstract: This study explores the existing patterns of risk factor disclosure in India's initial public offering prospectuses. The risk factors section of the 131 prospectuses of the Indian IPOs listed on the NSE mainboard from 2011 to 2019 will be examined through content analysis. The Flesch reading ease score (FRES) test is applied to know the readability index of the risk factor section of each sample prospectus. The findings reveal companies place greater emphasis on disclosure of internal risk factors than the other two risk categories. It also discovers overlapping risk statements across categories of internal risk, external risk, and offer-related risk factors in the IPO prospectus. This study underscores the need for mutually exclusive risk categories that give investors a better understanding of the risks associated with IPOs. Journal: Int. J. of Electronic Finance Pages: 1-15 Issue: 1 Volume: 11 Year: 2022 Keywords: IPO prospectus; risk factors disclosures; content analysis; risk categories. File-URL: http://www.inderscience.com/link.php?id=120355 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijelfi:v:11:y:2022:i:1:p:1-15 Template-Type: ReDIF-Article 1.0 Author-Name: Xuan Tran Author-X-Name-First: Xuan Author-X-Name-Last: Tran Author-Name: June Wei Author-X-Name-First: June Author-X-Name-Last: Wei Title: Investigation on influence factors of high impact practices Abstract: The purpose of the study is to examine the impact factors of 11 high impact practices (HIPs) of the Association of American Colleges and Universities to identify their influences on the learning experience of college students. A research model is developed based on the theory of planned behaviour to link beliefs of high impacts to the practice of learning behaviours. Structure equation modelling analysis was conducted on the performance metrics of 11 American universities from 2014-2021. Findings indicate that undergraduate research can predict the success of other high-impact practices in Florida. The results will guide administrators in higher education to make financial decisions with a reference to factors of high impact practices. Theoretical and practical implications are also presented. Journal: Int. J. of Electronic Finance Pages: 16-29 Issue: 1 Volume: 11 Year: 2022 Keywords: high-impact practices; influence factors; metrics; structure equation modelling; SEM. File-URL: http://www.inderscience.com/link.php?id=120357 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijelfi:v:11:y:2022:i:1:p:16-29 Template-Type: ReDIF-Article 1.0 Author-Name: Ponrudee Netisopakul Author-X-Name-First: Ponrudee Author-X-Name-Last: Netisopakul Author-Name: Woranun Saewong Author-X-Name-First: Woranun Author-X-Name-Last: Saewong Title: Thai stock news classification based on price changes and sentiments Abstract: This research investigates the daily stock news influences toward a company's stock price direction in the Stock Exchange of Thailand. First, machine learning's text classification methods, namely, naïve Bayes, decision tree, random forest, support vector machine, and the three-layer and the five-layer backpropagation neural networks, are applied to predict the stock price directions using stock news collected during the year 2018. Then, the stock news sentiment is incorporated to help improve the prediction accuracy. Last, a meaningful grouping of stock news is carried out to further improve the direction prediction. The testing dataset collected from January to March 2019 stock news are used for model evaluations. The best accuracy obtained from the baseline dataset using stock news only is 78.6%. When dataset is augmented with sentiments and grouped, the best accuracy increases to 90.6%. Journal: Int. J. of Electronic Finance Pages: 49-66 Issue: 1 Volume: 11 Year: 2022 Keywords: stock prediction; stock news; machine learning; text classification; Stock Exchange of Thailand; SET; Thai language processing; natural language processing; sentiment analysis; clustering. File-URL: http://www.inderscience.com/link.php?id=120360 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijelfi:v:11:y:2022:i:1:p:49-66 Template-Type: ReDIF-Article 1.0 Author-Name: Tri Handhika Author-X-Name-First: Tri Author-X-Name-Last: Handhika Author-Name: Siti Fatimah Author-X-Name-First: Siti Author-X-Name-Last: Fatimah Author-Name: Muhammad Farkhan Novianto Author-X-Name-First: Muhammad Farkhan Author-X-Name-Last: Novianto Title: An automated credit intelligence learning system Abstract: To accelerate the financial services, microfinance requires tools and technologies to provide an automated dynamic credit decision which leads to an accountable and efficient system. Considering a case on loan disbursement in the micro-business sector, this study presents a very comprehensive innovation, namely automated credit intelligence learning system (ACILES) which consists of dynamic credit scoring and optimal dynamic credit pricing: derived from tenor, rate, installment and plafond (TRIP). While credit pricing is obtained from the profit based pricing and simulation process, the credit scoring is developed by modelling not only the borrower's profile, but also psychometric analysis of the perception of borrower and surveyor via item response model which is combined with multivariate adaptive regression splines (MARS) model and structural equation modelling (SEM), respectively. By performing the experiment, it is clearly proved that ACILES can be implemented in order to augment microfinance business capacity. Journal: Int. J. of Electronic Finance Pages: 87-100 Issue: 2 Volume: 11 Year: 2022 Keywords: automated; credit pricing; credit scoring; dynamic; learning system. File-URL: http://www.inderscience.com/link.php?id=122169 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijelfi:v:11:y:2022:i:2:p:87-100 Template-Type: ReDIF-Article 1.0 Author-Name: Alan D. Smith Author-X-Name-First: Alan D. Author-X-Name-Last: Smith Title: Exploratory study of credit-card indebtedness during the COVID-19 pandemic Abstract: The purpose of this research is to study the impact of the current COVID-19 global pandemic on the selected intrinsic and extrinsic factors associated with behaviour personal indebtedness; namely, the changing landscape of credit-card indebtedness. The hypotheses were derived from the literature and focuses on moderating aspects of financial knowledge and responsibility with potential gender bias in purchasing essentials and paying down current debt burden. It was found that financial knowledge was the most powerful factor of the many intrinsic/extrinsic motivational factors explored in predicting essential purchases and debt maintenance. There were some gender differences, but both strongly agreed that such debt would not negatively impact attaining their life's goals. It appears that younger, lower-income professionals were more conscious about managing their debt than some older, more wealthy individuals. Credit-card rewards have always been a major motivating factor to induce credit-card use. In purchasing basic essentials, credit rewards were not found to be significant as financial knowledge and lifestyle images. Journal: Int. J. of Electronic Finance Pages: 236-268 Issue: 3 Volume: 11 Year: 2022 Keywords: consumer behaviour; CARES Act; credit burden; credit card; financial knowledge; personal finance. File-URL: http://www.inderscience.com/link.php?id=124477 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijelfi:v:11:y:2022:i:3:p:236-268 Template-Type: ReDIF-Article 1.0 Author-Name: Kübranur Çebi Karaaslan Author-X-Name-First: Kübranur Çebi Author-X-Name-Last: Karaaslan Title: Analysis of the factors affecting credit card use and online shopping attitudes of households in Turkey with the bivariate probit model Abstract: This study investigated the factors that affect households' credit card usage and online shopping attitudes. The dataset of the study was provided by the Turkey Statistical Institute. The bivariate probit regression model was used in the work. As a result, it was determined that demographic, economic and environmental factors have significant effects on credit card use and online shopping attitudes. Knowing the characteristics of credit card and internet shopping users in light of the results, helps banks and shopping sites to determine advertising strategies. It will enable policy makers to raise awareness and protect the consumer and to implement them to stimulate the economy. Journal: Int. J. of Electronic Finance Pages: 189-201 Issue: 3 Volume: 11 Year: 2022 Keywords: e-commerce; credit card use; consumer behaviour; shopping experience; bivariate probit model; survey data; household budget survey; Turkey. File-URL: http://www.inderscience.com/link.php?id=124478 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijelfi:v:11:y:2022:i:3:p:189-201 Template-Type: ReDIF-Article 1.0 Author-Name: Kamakhya Narain Singh Author-X-Name-First: Kamakhya Narain Author-X-Name-Last: Singh Author-Name: Shruti Malik Author-X-Name-First: Shruti Author-X-Name-Last: Malik Title: COVID-19 crisis – an opportunity for mainstreaming digital financial transactions Abstract: Digital financial transactions, in comparison to in-cash transactions, provide an efficient and time saving option. Considering the significance of digital financial transactions in the present scenario of the COVID-19 crisis, this study has twin objectives: firstly, to examine the use of digital financial transactions in COVID-19 and secondly, to explore the existence of any relationship between financial literacy and the use of digital financial transactions, especially by low-income groups in India. This study uses secondary data from authorised and government sources for the analysis of the research objectives. Logistic regression model was deployed on National Centre for Financial Education (NCFE) (2019) survey data of around 36,600 low-income group to interpret the relationship between financial literacy and digital financial transactions. The analysis of the data suggested that financial literacy was significant in positively affecting digital financial transactions. In this regard, financial literacy could play an instrumental role, which is also being indicated through our estimated results. Journal: Int. J. of Electronic Finance Pages: 269-290 Issue: 3 Volume: 11 Year: 2022 Keywords: financial literacy; digital financial transaction; digital payment; Aadhaar enabled payment system; AEPS; APBS; Unified Payment Interfaces; UPI; financial education; financial behaviour. File-URL: http://www.inderscience.com/link.php?id=124479 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijelfi:v:11:y:2022:i:3:p:269-290 Template-Type: ReDIF-Article 1.0 Author-Name: Darius Young Author-X-Name-First: Darius Author-X-Name-Last: Young Author-Name: John Young Author-X-Name-First: John Author-X-Name-Last: Young Title: Technology adoption: impact of FinTech on financial inclusion of low-income households Abstract: FinTech is the saviour of unbanked and underbanked Americans' inclusion into the formal banking system. The only limitation to financial inclusion is the adoption of technology (i.e., smartphone ownership and internet access), enabling mobile banking services access. High technology adoption rates will expedite socio-economically disadvantaged households into mobile banking services. Socio-economic characteristics are the standard criteria for determining who is unbanked or underbanked (e.g., low-income American households, women, and African American households). Logistic regression analysis can be used to estimate the likely technology adoption rate of low-income American households. African American households have no significant differences across socio-economic characteristics than the reference group of low-income households' socio-economic characteristics. In contrast, socio-economic factors are significant determinants of technology adoption rates in White American households in those low-income households are less likely to adopt new technologies. The high technology adoption rates of African American households make them ideal candidates for FinTech services. Journal: Int. J. of Electronic Finance Pages: 202-218 Issue: 3 Volume: 11 Year: 2022 Keywords: FinTech; financial inclusion; low-income; African American; gender; technology adoption; financial technology; mobile banking; virtual bank; unbanked; underbanked. File-URL: http://www.inderscience.com/link.php?id=124480 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijelfi:v:11:y:2022:i:3:p:202-218 Template-Type: ReDIF-Article 1.0 Author-Name: Assem Orazayeva Author-X-Name-First: Assem Author-X-Name-Last: Orazayeva Author-Name: Muhammad Arslan Author-X-Name-First: Muhammad Author-X-Name-Last: Arslan Title: CSR and financial performance in the airline industry: moderating effects of the airline type, government ownership and COVID-19 Abstract: This study examines the relationship between financial performance and CSR. Drawing on a sample of 33 airlines for the period of 2016-2020, the study addresses the arduous situation which the airline industry is currently facing, by examining two critical aspects that are mounting in today's dynamic environment, namely airlines' financial performance and CSR. The airline industry is one of several industries which are affected due to COVID-19. The study not only draws its sample from recent years, but it also contributes to the existing literature by examining the effect of three moderating variables (i.e., airline type, presence of government ownership, and years of downturn) on the CSR-financial performance relationship. The findings indicate that CSR has no significant impact on financial performance in the airline industry, even after the addition of moderating variables. Our findings suggest that CSR activities are not perceived by the market as value-additive and do not contribute to the airline's profitability. This could be attributed to specifics of the industry, which is characterised by high competition and price sensitivity. Journal: Int. J. of Electronic Finance Pages: 219-235 Issue: 3 Volume: 11 Year: 2022 Keywords: CSR; financial performance; COVID-19; airline type; aviation industry; ownership. File-URL: http://www.inderscience.com/link.php?id=124481 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijelfi:v:11:y:2022:i:3:p:219-235 Template-Type: ReDIF-Article 1.0 Author-Name: Deepesh Ranabhat Author-X-Name-First: Deepesh Author-X-Name-Last: Ranabhat Author-Name: Narinder Verma Author-X-Name-First: Narinder Author-X-Name-Last: Verma Author-Name: Devesh Kumar Author-X-Name-First: Devesh Author-X-Name-Last: Kumar Author-Name: Hotniar Siringoringo Author-X-Name-First: Hotniar Author-X-Name-Last: Siringoringo Title: The adoption of digital financial inclusion in developing countries: a systematic literature review Abstract: This paper aims to provide a systematic literature review on the adoption of digital financial inclusion in developing countries. A total number of 93 papers from Scopus database for the period of 2015 to 2020 were selected. The selection was done by using the inclusion and exclusion criteria based on PRISMA framework. Descriptive analysis, citation analysis, keyword co-occurrence analysis and variable analysis were conducted in this study. This review highlights that the studies were mainly conducted in Asia and the study related to adoption of digital financial inclusion has been growing in recent years. The study finds perceived ease of use and perceived usefulness are the frequently used independent variables which had positive impacts on the adoption of digital financial inclusion. This paper contributes to understanding of the existing research on adoption of digital financial inclusion in developing countries and also to find the research gaps for further research. Journal: Int. J. of Electronic Finance Pages: 117-142 Issue: 2 Volume: 11 Year: 2022 Keywords: digital financial inclusion; technology adoption; developing countries; digital banking; PRISMA; citation analysis. File-URL: http://www.inderscience.com/link.php?id=122178 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijelfi:v:11:y:2022:i:2:p:117-142 Template-Type: ReDIF-Article 1.0 Author-Name: Anushree D. Kini Author-X-Name-First: Anushree D. Author-X-Name-Last: Kini Author-Name: S.V. Patil Author-X-Name-First: S.V. Author-X-Name-Last: Patil Title: Assessing the determinants of microfinance in India: a case study of the joint liability groups of the Northern Karnataka region Abstract: One of the substantial challenges in ascertaining a sustainable financial system of the country is the inclusion of the marginalised and the underprivileged sections of society. Therefore, to serve the purpose, microfinance emerges as the key concept. Hence, this study attempts to address the feasibility of microfinance and joint liability group in India by investigating the antecedents and determinants of microfinance in the five districts (Dharwad, Gadag, Vijaypur, Bagalkot, and Belagavi) of the Northern Karnataka region. The study findings implicate that microfinance services of the SFBs had improved the socio-economic condition of the vulnerable population, predominantly the female. It has also resulted in enhancing the employment opportunities for the JLG members. However, the study finds a significant challenge of accessibility, affordability, and operational perspectives in delivering financial services to the JLG members. Henceforth, the study proposes the need-based planned implementation of microfinance in rural areas to achieve complete financial inclusion in India. Journal: Int. J. of Electronic Finance Pages: 143-158 Issue: 2 Volume: 11 Year: 2022 Keywords: joint liability group; microfinance; small finance banks; women empowerment; India. File-URL: http://www.inderscience.com/link.php?id=122179 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijelfi:v:11:y:2022:i:2:p:143-158 Template-Type: ReDIF-Article 1.0 Author-Name: Anitha Kumari Author-X-Name-First: Anitha Author-X-Name-Last: Kumari Author-Name: N. Chitra Devi Author-X-Name-First: N. Chitra Author-X-Name-Last: Devi Title: Determinants of user's behavioural intention to use blockchain technology in the digital banking services Abstract: The growing popularity of blockchain applications in various sectors has widely been renowned as a pioneering technological innovation that can speed up many bursts of creativity and bring out an exceptional level of digital innovation. The adoption of IT, automation, and technological advancement has shown lethargy in the implementation of new technologies in developing economies. The objective is to examine users' behavioural intention to use blockchain technology for enlightening digital banking services. A conceptual framework for blockchain adoption is developed with the technology acceptance models of a UTAUT by incorporating financial literacy and perceived risk factors. PLS-SEM using SmartPLS 3.0 results show that social influence, financial literacy, and perceived risk have significantly influenced the behavioural intention to use blockchain technology in digital banking services. The social significance of this study recommends that financial institutions and decision-makers must design a blockchain application that facilitates users to accept in the banking sector. Journal: Int. J. of Electronic Finance Pages: 159-174 Issue: 2 Volume: 11 Year: 2022 Keywords: blockchain technology; digital banking; UTAUT; behavioural intention. File-URL: http://www.inderscience.com/link.php?id=122181 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijelfi:v:11:y:2022:i:2:p:159-174 Template-Type: ReDIF-Article 1.0 Author-Name: N. Sivasankaran Author-X-Name-First: N. Author-X-Name-Last: Sivasankaran Author-Name: A. Kanagaraj Author-X-Name-First: A. Author-X-Name-Last: Kanagaraj Author-Name: D. Israel Author-X-Name-First: D. Author-X-Name-Last: Israel Author-Name: R. Prasad Author-X-Name-First: R. Author-X-Name-Last: Prasad Title: The hungry energised allergic disease-ridden matrix for financial decision dilemmas of entrepreneurs Abstract: Entrepreneurs face financial dilemmas on a regular basis. These dilemmas are centred on taking major financial decisions such as how much of cash, debt, fixed cost, working capital and dividend is good for the firm i.e. whether the entrepreneurs should increase or decrease the size of these financial decision variables in order to increase their profitability. The paper discusses in detail these five financial decision dilemmas and offers the decision guidelines/rules for the entrepreneurs using the HEAD matrix as an analytical tool. Journal: Int. J. of Electronic Finance Pages: 101-116 Issue: 2 Volume: 11 Year: 2022 Keywords: entrepreneurs; financial dilemmas; HEAD matrix; analytical tool. File-URL: http://www.inderscience.com/link.php?id=122182 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijelfi:v:11:y:2022:i:2:p:101-116 Template-Type: ReDIF-Article 1.0 Author-Name: Pritpal Singh Bhullar Author-X-Name-First: Pritpal Singh Author-X-Name-Last: Bhullar Author-Name: Pradeep Kumar Gupta Author-X-Name-First: Pradeep Kumar Author-X-Name-Last: Gupta Author-Name: Dyal Bhatnagar Author-X-Name-First: Dyal Author-X-Name-Last: Bhatnagar Title: Impact of COVID-19 on volatility of BSE Sensex stock index Abstract: The present study investigates the impact of COVID-19 on the volatility of BSE Sensex stock index. The weekly data on COVID-19 fatality cases, an independent variable, in India from 1 March 2020 to 27 December 2020 has been taken from the official website of the World Health Organization. The weekly data on a dependent variable (Sensex) and control variables (crude oil, Bitcoin, Ethereum, Litecoin) have also been considered for the period under study. The GARCH(1, 1) model has been used to extract the volatility series of the variables that are considered in the investigation, and vector error correction model (VECM) is also applied. Further, robust tests like ADF, variance decomposition test, impulse response test have been performed to check the validity of the results. The findings suggest the significant negative effect of COVID-19 fatality cases on BSE Sensex stock index during the specified study period. This negative coefficient of COVID-19 fatality cases in India reflects the increasing volatility of the BSE Sensex stock index. Journal: Int. J. of Electronic Finance Pages: 175-187 Issue: 2 Volume: 11 Year: 2022 Keywords: COVID-19; Indian stock market; cryptocurrencies; crude oil; vector error correction model; VECM. File-URL: http://www.inderscience.com/link.php?id=122185 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijelfi:v:11:y:2022:i:2:p:175-187