Template-Type: ReDIF-Article 1.0
Author-Name: Joshua Adeyemi Afolabi
Author-X-Name-First: Joshua Adeyemi
Author-X-Name-Last: Afolabi
Author-Name: Blessing Ufuoma Olanrewaju
Author-X-Name-First: Blessing Ufuoma
Author-X-Name-Last: Olanrewaju
Title: Cryptocurrencies and central banks' monetary policy roles
Abstract:
The advent of cryptocurrencies has tremendously revolutionised the global financial system, facilitating borderless and seamless financial transactions. However, the high volatility in the value of cryptocurrencies, its decentralised network and lack of formal regulation pose severe threats to the monetary policy role of central banks. Hence, this study explored the dynamics of cryptocurrencies and how it affects the monetary policy roles of central banks. The study showed that cryptocurrencies help foster the actualisation of cashless economies and seamless international transactions but its lack of international coordination has continued to undermine tapping optimally into its inherent benefits. Therefore, this study emphasised the imperativeness of central bank digital currencies (CBDCs) for effective financial sector regulation and protection of users of this financial innovation. This would broaden the central banks' horizon and expand their capacities to harness the potential of this novel financial innovation for the effective administration of conventional and unconventional monetary policies.
Journal: Int. J. of Electronic Finance
Pages: 97-116
Issue: 2
Volume: 12
Year: 2023
Keywords: cryptocurrency; blockchain technology; central bank; monetary policy; global financial system.
File-URL: http://www.inderscience.com/link.php?id=129912
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Handle: RePEc:ids:ijelfi:v:12:y:2023:i:2:p:97-116

Template-Type: ReDIF-Article 1.0
Author-Name: Janani Ravinagarajan
Author-X-Name-First: Janani
Author-X-Name-Last: Ravinagarajan
Author-Name: Sharon Sophia
Author-X-Name-First: Sharon
Author-X-Name-Last: Sophia
Title: Brunt of technology in stock trading - empirical evaluation of movement in trading modes
Abstract:
Technical indicators use volume patterns to confirm trends, momentum, return, and volatility of the market. Assessing the conviction behind market advances and declines based on exchange-defined differences in trading mode is a fascinating way to ascertain market insights. In this context, the study is novel and structured to add literature in two aspects - the study evaluates: 1) the relationships between trade movements in seven different stock trading platforms; 2) attempts to gather additional evidence for the mixed distribution hypothesis identifying the relationship between trade movements and index movement, return and volatility. The study recommends the model as a part of surveillance to assess the impact of trade movement generated in specific trading mode. It can also be used by technical traders to ascertain trading signals, and behavioural insights from the other trading modes mutually.
Journal: Int. J. of Electronic Finance
Pages: 117-141
Issue: 2
Volume: 12
Year: 2023
Keywords: volume of trading; returns; volatility; trading technology; stock market; algorithmic trading; co-location; direct market access.
File-URL: http://www.inderscience.com/link.php?id=129914
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Handle: RePEc:ids:ijelfi:v:12:y:2023:i:2:p:117-141

Template-Type: ReDIF-Article 1.0
Author-Name: Sagar Gupta
Author-X-Name-First: Sagar
Author-X-Name-Last: Gupta
Author-Name: Jayant Mahajan
Author-X-Name-First: Jayant
Author-X-Name-Last: Mahajan
Author-Name: Benny J. Godwin
Author-X-Name-First: Benny J.
Author-X-Name-Last: Godwin
Title: Empirical analysis of borrowers' motivation to use online peer-to-peer lending platforms in India
Abstract:
Established on the technology acceptance model, this paper puts forward a model to understand the borrowers' motivation to use (MU) peer-to-peer (P2P) lending platforms. Data from 362 Indian users were employed to test the research model by applying structural equation modelling. The results show that perceived intention, ease of use, and usefulness have significant relation in motivating borrowers to use P2P lending platforms. However, borrowers' perceptions of trust had an insignificant impact on MU the P2P lending platform. When compared to the individual technology acceptance model, the integrated model provides further explanation regarding the motivation of borrowers to use P2P lending platforms. The study contributes to the theoretical area by identifying the factors that motivate borrowers to use P2P lending platforms for their short-term financial requirements, from a unified perspective. In addition, this research provides insights about borrowers' MU P2P lending platforms in India.
Journal: Int. J. of Electronic Finance
Pages: 142-162
Issue: 2
Volume: 12
Year: 2023
Keywords: technology acceptance model; perceived usefulness; perceived ease-of-use; perceived trust; perceived intention; motivation-to-use; peer-to-peer lending platforms; India.
File-URL: http://www.inderscience.com/link.php?id=129916
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Handle: RePEc:ids:ijelfi:v:12:y:2023:i:2:p:142-162

Template-Type: ReDIF-Article 1.0
Author-Name: Sanjay Taneja
Author-X-Name-First: Sanjay
Author-X-Name-Last: Taneja
Author-Name: Ercan Özen
Author-X-Name-First: Ercan
Author-X-Name-Last: Özen
Title: To analyse the relationship between bank's green financing and environmental performance
Abstract:
Due to the threats posed by environmental and climate changes, there has been an increase in the number of academic publications on green banking and green finance in recent years. This study focused to explore the influence of the green financing activities on bank's performance related to environment protection. Factor analysis with AMOS was applied to identify the relationship between green financing activities on sustainable improvement in environment. As there are six administrative divisions in Haryana-India, 390 candidates were contacted representing all parts of state. The SPSS 22 with AMOS has been applied for analysis. The study represented that environmental supporting strategies and polices posed a major influence the bank's environmental performance. Results of the study recommended the part of banks to encourage the sustainable environmental technologies as significantly important to increase bank's performance and reputation in customers mind for banks.
Journal: Int. J. of Electronic Finance
Pages: 163-175
Issue: 2
Volume: 12
Year: 2023
Keywords: green financing; green project; environmental training.
File-URL: http://www.inderscience.com/link.php?id=129919
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Handle: RePEc:ids:ijelfi:v:12:y:2023:i:2:p:163-175

Template-Type: ReDIF-Article 1.0
Author-Name: Shweta Sharma
Author-X-Name-First: Shweta
Author-X-Name-Last: Sharma
Title: E-banking services and bank performance: perspective from India
Abstract:
Internet technology is being embraced by financial institutions to enhance the reach of their product and services using electronic platforms. Although there is a rapid shift in adopting e-banking services, what impact does it have on the bank's performance? This paper examines these questions in the context of Indian banks. Using an unbalanced panel data of 20 Indian banks over the period 2010 to 2019, this study examines the impact of e-banking services on the performance of Indian banks measured in terms of return on assets, return on equity, and net interest margin. There has been a consistent expansion of e-banking activities over the last decade, but the findings of the study report mixed results on its impact. Possible reasons for these outcomes could be that India is a developing country; the cost of implementing these e-service platforms is high; clients' perspective is quite traditional, and there is a lack of banking infrastructure. However, consumers' perspective is slowly changing, and users of e-banking services are gaining pace.
Journal: Int. J. of Electronic Finance
Pages: 176-191
Issue: 2
Volume: 12
Year: 2023
Keywords: e-banking; bank performance; emerging economy; internet technology.
File-URL: http://www.inderscience.com/link.php?id=129921
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Handle: RePEc:ids:ijelfi:v:12:y:2023:i:2:p:176-191

Template-Type: ReDIF-Article 1.0
Author-Name: Vitor Nóbrega
Author-X-Name-First: Vitor
Author-X-Name-Last: Nóbrega
Author-Name: Renato Lopes da Costa
Author-X-Name-First: Renato Lopes da
Author-X-Name-Last: Costa
Author-Name: Rui Gonçalves
Author-X-Name-First: Rui
Author-X-Name-Last: Gonçalves
Author-Name: Álvaro Dias
Author-X-Name-First: Álvaro
Author-X-Name-Last: Dias
Author-Name: Leandro Pereira
Author-X-Name-First: Leandro
Author-X-Name-Last: Pereira
Author-Name: Klaus Dorner
Author-X-Name-First: Klaus
Author-X-Name-Last: Dorner
Title: The impact of artificial intelligence in accounting: application in SMEs
Abstract:
The adoption of artificial intelligence technologies in the accounting services and profession was recently introduced in the market, forcing professionals to work with data management and shift to a new paradigm. The research analyses the capabilities and benefits of artificial intelligence in accounting in SMEs. A qualitative approach was used, with the analysis of 20 interviews. Among the various conclusions of this work, we highlight the premise of replacing the human element in the execution of accounting operations and the lack of capacity of SMEs in being able to incorporate AI systems into their accounting departments due to their reduced financial capacity. However, our recommendations propose to academic institutions and training programs a lot of initiatives to prepare the future of this important field and adopt the AI paradigm.
Journal: Int. J. of Electronic Finance
Pages: 192-214
Issue: 2
Volume: 12
Year: 2023
Keywords: accounting; artificial intelligence; small and medium-sized enterprise; SMEs.
File-URL: http://www.inderscience.com/link.php?id=129923
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Handle: RePEc:ids:ijelfi:v:12:y:2023:i:2:p:192-214

Template-Type: ReDIF-Article 1.0
Author-Name: Candy Lim Chiu
Author-X-Name-First: Candy Lim
Author-X-Name-Last: Chiu
Author-Name: Manqi Li
Author-X-Name-First: Manqi
Author-X-Name-Last: Li
Author-Name: Jason Lim Chiu
Author-X-Name-First: Jason Lim
Author-X-Name-Last: Chiu
Title: Effectiveness of food traceability system: Chinese consumer food purchase intention during the pandemic
Abstract:
During the COVID-19 pandemic, food safety scandals were common issues. This situation resulted in the rapid development of food traceability systems (FTS), which create transparency in tracking food products from manufacturing to consumption. So, this study empirically tests the elements of FTS by integrating the information system success model (ISSM) of DeLone and McLane on Chinese consumers' intention to purchase food using an FTS during a pandemic outbreak. Also, this study shows the significant mediating effect of perceived value, perceived safety, and perceived health benefits between the quality perspective of ISSM and purchase intention (PUI) as the dependent variable. This study provides insights for the further development of food traceability technologies.
Journal: Int. J. of Electronic Finance
Pages: 1-17
Issue: 1
Volume: 12
Year: 2023
Keywords: food traceability system; FTS; DeLone and McLane information system success model; food industry; COVID-19; purchase intention; PUI.
File-URL: http://www.inderscience.com/link.php?id=127896
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Handle: RePEc:ids:ijelfi:v:12:y:2023:i:1:p:1-17

Template-Type: ReDIF-Article 1.0
Author-Name: Anantdeep Kaur Maan
Author-X-Name-First: Anantdeep Kaur
Author-X-Name-Last: Maan
Author-Name: Atul Shiva
Author-X-Name-First: Atul
Author-X-Name-Last: Shiva
Title: Mapping social media in the theoretical field of behavioural finance: a bibliographic analysis
Abstract:
In the last two decades, the field of social media research has grown tremendously, and the interest of academic scholars has been engendered in this field. Research on the influence of social media in the context of behavioural finance is being mapped out in this study. The research emphasises the contemporary fields of social media and behavioural finance by implementing bibliometric tools to identify substantial and significant omissions from the literature. The study retrieved 295 studies from the Web of Science database using keyword exploration. The analytic approaches have been implemented here in the detection of prominent journals, plentiful writers, nations, and associations, thereby adding to the body of knowledge on social media and behavioural finance. Tools such as bibliographic coupling have been applied to better understand the conceptual and intellectual framework. Finally, the directions of literature review study will serve as a guide for future research.
Journal: Int. J. of Electronic Finance
Pages: 18-35
Issue: 1
Volume: 12
Year: 2023
Keywords: behaviour finance; social media; Web of Science; VOSviewer; bibliometric analysis.
File-URL: http://www.inderscience.com/link.php?id=127897
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Handle: RePEc:ids:ijelfi:v:12:y:2023:i:1:p:18-35

Template-Type: ReDIF-Article 1.0
Author-Name: Sonal Raina Tikku
Author-X-Name-First: Sonal Raina
Author-X-Name-Last: Tikku
Author-Name: Anjani K. Singh
Author-X-Name-First: Anjani K.
Author-X-Name-Last: Singh
Title: Role of mobile banking in financial inclusion: evidence from agri traders of India
Abstract:
Financial inclusion is the driving force for growth in emerging markets of the world. It boosts the process of development and poverty alleviation for any economy. Most of the banks utilise an expensive brick and mortar model; therefore, mobile banking can act as a facilitator for financial inclusion in economic manner. This study identifies the factors effecting adoption of mobile banking among agri traders in wholesale commodity markets of India. It also explores the challenges faced by them, in mobile banking adoption. Structured questionnaires were used for primary data collection and the sample of 230 agri traders was analysed. Confirmatory factor analysis was done using SPSS 26 and for structural equation modelling Smart PLS3 was used. Empirical results of research show that perceived usefulness, ease of use and trust have significant and positive impact on behavioural intention towards mobile banking adoption among agri trader community of India. Social influence had no significant impact on behavioural intentions of the agri trader. Adoption of mobile banking by agri traders will pave the way forward for digital transformation of economy, leading to cashless economy and financial inclusion at grass root levels of society.
Journal: Int. J. of Electronic Finance
Pages: 36-54
Issue: 1
Volume: 12
Year: 2023
Keywords: agri traders; behavioural intention; cashless economy; digitalisation; financial inclusion; financial literacy; India; mobile banking.
File-URL: http://www.inderscience.com/link.php?id=127898
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Handle: RePEc:ids:ijelfi:v:12:y:2023:i:1:p:36-54

Template-Type: ReDIF-Article 1.0
Author-Name: Endang Siti Astuti
Author-X-Name-First: Endang Siti
Author-X-Name-Last: Astuti
Title: Collaborative attitudes and perceived usefulness to increase the intentions to use internet banking
Abstract:
The purpose of this study is to investigate how attitudes and intentions toward using internet banking are affected by perceived usefulness. In this study, a questionnaire survey was used. This study was conducted in an internet-enabled national banking institution in the province of East Java. The population of this study are the people who conducted transactions through the banks BCA, BNI, Mandiri, and CIMB Niaga's internet banking in East Java region. This study discovered that all of the assessed hypotheses are significant. According to these findings, perceived usefulness has a significant effect on customer attitudes in using internet banking; perceived usefulness has a significant effect on the intention to use internet banking; and attitude has a significant effect on intention to use internet banking. The novelty of this research is merging of variables from theory of planned behaviour and variables from theory acceptance model which produces a combined variable between them.
Journal: Int. J. of Electronic Finance
Pages: 80-96
Issue: 1
Volume: 12
Year: 2023
Keywords: attitudes; perceived usefulness; intentions; internet banking.
File-URL: http://www.inderscience.com/link.php?id=127899
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Handle: RePEc:ids:ijelfi:v:12:y:2023:i:1:p:80-96

Template-Type: ReDIF-Article 1.0
Author-Name: Natália Teixeira
Author-X-Name-First: Natália
Author-X-Name-Last: Teixeira
Author-Name: Mariana Silva
Author-X-Name-First: Mariana
Author-X-Name-Last: Silva
Author-Name: Rui Vinhas da Silva
Author-X-Name-First: Rui Vinhas da
Author-X-Name-Last: Silva
Author-Name: Leandro Pereira
Author-X-Name-First: Leandro
Author-X-Name-Last: Pereira
Author-Name: Sérgio Vinhas da Silva
Author-X-Name-First: Sérgio Vinhas da
Author-X-Name-Last: Silva
Title: CAPM model applied to the Portuguese stock market
Abstract:
The stock market volatility is well correlated with the VUCA (volatility, uncertainty, complexity, and ambiguity) environment, so it's important to understand the best techniques that capture this relationship. The main objective of this work is to analyse the capital asset pricing model (CAPM) to understand the relationship between risk and return. The other objective is to try to understand if the CAPM model is reflected in the Portuguese stock exchange. If there is a direct correlation between risk and expected return, then we are looking at an efficient market. Through the method of observation and bibliographic and documentary research, a practical assessment is made of the relationship between the CAPM model and the Portuguese stock exchange. Analytically, an analysis of 40 companies of the Portuguese stock index (PSI 20) is carried out, where the behaviour of the beta and the rate of return is demonstrated.
Journal: Int. J. of Electronic Finance
Pages: 55-63
Issue: 1
Volume: 12
Year: 2023
Keywords: capital asset pricing model; CAPM model; risk; expected return; stock market; Portuguese.
File-URL: http://www.inderscience.com/link.php?id=127900
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Handle: RePEc:ids:ijelfi:v:12:y:2023:i:1:p:55-63

Template-Type: ReDIF-Article 1.0
Author-Name: Assem Orazayeva
Author-X-Name-First: Assem
Author-X-Name-Last: Orazayeva
Author-Name: Alimshan Faizulayev
Author-X-Name-First: Alimshan
Author-X-Name-Last: Faizulayev
Author-Name: Muhammad Arslan
Author-X-Name-First: Muhammad
Author-X-Name-Last: Arslan
Author-Name: Nejat Capar
Author-X-Name-First: Nejat
Author-X-Name-Last: Capar
Title: Do changes in earnings signal future prospects after the global financial crisis and emergence of COVID-19? Evidence from Kazakhstan
Abstract:
This study presents an attempt to examine the reaction of stock prices of selected Kazakhstani firms to the announcement of quarterly earnings increase or decrease between 2012 and 2020 which includes the year of the post-global financial crisis as well as the year marked by the emergence of the virus which hit economies around the world. The event study methodology was applied to seven firms listed on KASE, with estimation and post-estimation windows of 200 and 40 days, respectively between 2012 and 2020. OLS regression was utilised to test the relationship between earnings announcements and stock returns. The findings of this study demonstrate a positive statistically significant price reaction on the next day following the announcement event when considering aggregate returns for a total of 50 earnings events of the sample period. Though, the magnitude and direction of average abnormal returns (AARs) vary when each year is considered separately.
Journal: Int. J. of Electronic Finance
Pages: 64-79
Issue: 1
Volume: 12
Year: 2023
Keywords: AAR; earnings; announcement; event; stock prices; Kazakhstan.
File-URL: http://www.inderscience.com/link.php?id=127901
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Handle: RePEc:ids:ijelfi:v:12:y:2023:i:1:p:64-79

Template-Type: ReDIF-Article 1.0
Author-Name: Mathew Abraham
Author-X-Name-First: Mathew
Author-X-Name-Last: Abraham
Title: Performance analysis of crypto coins and crypto tokens using data envelopment analysis and propensity score matching
Abstract:
The rise in blockchain technology has given excellent opportunities for investors to diversify their investments in crypto coins and crypto tokens. Using a sample period from 28 April 2013 to 31 December 2020, the present study conducts a performance analysis of crypto coins and tokens using data envelopment analysis (DEA) and propensity score matching (PSM). The evidence from DEA and PSM shows that the DEA efficient crypto coins and the crypto tokens with a whitepaper and expert credit ratings are likely to succeed as a good investment option. Not only does the evidence suggest the importance of benchmarking crypto coins through DEA, but also demonstrates ICOs as an equitable and accessible innovation by start-ups.
Journal: Int. J. of Electronic Finance
Pages: 295-314
Issue: 3
Volume: 12
Year: 2023
Keywords: data envelopment analysis; propensity score matching; initial coin offerings; crypto tokens; crypto coins; blockchain; whitepaper.
File-URL: http://www.inderscience.com/link.php?id=131749
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Handle: RePEc:ids:ijelfi:v:12:y:2023:i:3:p:295-314

Template-Type: ReDIF-Article 1.0
Author-Name: Insha Ahad Wani
Author-X-Name-First: Insha Ahad
Author-X-Name-Last: Wani
Author-Name: Megha Agarwal
Author-X-Name-First: Megha
Author-X-Name-Last: Agarwal
Title: The trilogy of micro-finance, FinTech and women-empowerment: an empirical investigation based in rural Himalayas
Abstract:
The potential synergy of digital finance and development finance is contentious as literature hops between the two extremities on the FinTech axis. While there seems to be an immense scope of FinTech in micro-finance in providing time, cost and space utility services, the in(capability) of users who mainly comprise poor and marginalised, to go digital, questions the scope of FinTech in micro-finance. This paper is a modest attempt to present the reciprocal vision of how micro-finance has the ability to enhance digital adaptability among its clients and how digital finance can reinforce the empowerment of women beneficiaries through micro-finance. Using sample size of 1,210 self-help group women and conducting t-test, ANOVA and chi-square test, this study intends to define the virtuous circular relationship between micro-finance, FinTech and empowerment. The results reflect a positive and reinforcing trilogy between the three variables.
Journal: Int. J. of Electronic Finance
Pages: 215-237
Issue: 3
Volume: 12
Year: 2023
Keywords: financial technology; FinTech; micro-finance; digital finance; women-empowerment; COVID-19.
File-URL: http://www.inderscience.com/link.php?id=131759
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Handle: RePEc:ids:ijelfi:v:12:y:2023:i:3:p:215-237

Template-Type: ReDIF-Article 1.0
Author-Name: Raman Preet Singh
Author-X-Name-First: Raman Preet
Author-X-Name-Last: Singh
Author-Name: Gaurav Sarin
Author-X-Name-First: Gaurav
Author-X-Name-Last: Sarin
Author-Name: Nawal Kishor
Author-X-Name-First: Nawal
Author-X-Name-Last: Kishor
Title: Exploring the barriers in adoption of blockchain technology: a study of cryptocurrency
Abstract:
The speed of adoption of a new technology is one the most challenging questions we face when looking into the rewards of innovation. The article explores the barriers in a buyer's adoption of bitcoin based on blockchain technology and discusses factors that drive and inhibit their adoption. Our result concentrates only on the barriers to adoption which includes complexity of the system, absence of regulatory authority, trust deficit and speculation in value. In this article, perceived risk structure was proposed based on perceived risk theory, prospect theory, and perceived value theory. Exploratory factor analysis and six regression machine learning techniques were compared and applied on the captured data to examine the degree and direction of relationship among the latent variables used to test the research model. It was found that perceived financial performance risk, perceived trust risk and perceived government risk have major impacts on the adoption intention of the investor in India and the result clearly indicates that Kernel support vector regression is the best ML technique to predict bitcoin adoption intentions.
Journal: Int. J. of Electronic Finance
Pages: 315-336
Issue: 3
Volume: 12
Year: 2023
Keywords: fintech; blockchain; distributed ledger; technology adoption.
File-URL: http://www.inderscience.com/link.php?id=131766
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Handle: RePEc:ids:ijelfi:v:12:y:2023:i:3:p:315-336

Template-Type: ReDIF-Article 1.0
Author-Name: Tanuj Nandan
Author-X-Name-First: Tanuj
Author-X-Name-Last: Nandan
Author-Name: Rajat Kumar Soni
Author-X-Name-First: Rajat Kumar
Author-X-Name-Last: Soni
Title: Bibliometric analysis: a comparative overview of the literature on commodity market for the period 2006-2021
Abstract:
This literature-based work seeks to analyse the contribution of literature on the commodity market and also portrays the research framework scenario for nascent researchers. For that purpose, bibliometric metadata has been extracted from the Scopus database between 2006 and 2021, after applying purposive exclusion criteria to identify the recent developments in scholarly work in the area of commodity markets. We analysed the data using biblioshiny function in R and VOSviewer. This study shows the significant trend of literature production over the years and identifies top contributing sources, authors, countries and documents. It also provides an analytical impression of bibliometric coupling, co-citation analysis, collaboration analysis, co-word occurrence analysis and world collaboration map. This study provides a fundamental base and a structured scenario of recent work to the prospective researcher, which ultimately provides a roadmap for future research and also helps to identify further exposure in this area of research.
Journal: Int. J. of Electronic Finance
Pages: 263-294
Issue: 3
Volume: 12
Year: 2023
Keywords: bibliometric analysis; commodity market; Scopus database; biblioshiny function; VOSviewer.
File-URL: http://www.inderscience.com/link.php?id=131767
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Handle: RePEc:ids:ijelfi:v:12:y:2023:i:3:p:263-294

Template-Type: ReDIF-Article 1.0
Author-Name: Somayya Madakam
Author-X-Name-First: Somayya
Author-X-Name-Last: Madakam
Author-Name: Shlomo Mark
Author-X-Name-First: Shlomo
Author-X-Name-Last: Mark
Author-Name: Yotam Lurie
Author-X-Name-First: Yotam
Author-X-Name-Last: Lurie
Author-Name: Rajeev K. Revulagadda
Author-X-Name-First: Rajeev K.
Author-X-Name-Last: Revulagadda
Title: The role of cryptocurrencies in business
Abstract:
Cryptocurrency is a type of virtual or digital currency, which relies on a distributed ledger network (DLT) to combine the core ideas of cryptography with a monetary system to create an anonymous, traceable, secure, and potentially stable currency over the world. Cryptocurrency is organic in nature in a way that it is neither issued nor regulated by any central authority, which makes it immune to any interference from banking regulations. It has been credited with creating unprecedented changes in the economic world. This study comes under exploration analysis. The data is collected from the EBSCO database between March 25, 2020 and December 15, 2020. The prime objectives are to understand the system of cryptocurrency, its viability for industry, and try to foresee its future in the current business world. This manuscript elaborates different aspects of cryptocurrencies, starting from the history and their evolution over time, explaining how a cryptocurrency transaction system works, and its impact on our daily life – business as well as economy. In addition, the manuscript covers issues related to the practical and technical functions. The article also describes the cryptocurrencies practices in India as well as worldwide.
Journal: Int. J. of Electronic Finance
Pages: 238-262
Issue: 3
Volume: 12
Year: 2023
Keywords: blockchain; cryptocurrency; hash; mining; money laundering.
File-URL: http://www.inderscience.com/link.php?id=131771
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Handle: RePEc:ids:ijelfi:v:12:y:2023:i:3:p:238-262

Template-Type: ReDIF-Article 1.0
Author-Name: Dandy Kurnia
Author-X-Name-First: Dandy
Author-X-Name-Last: Kurnia
Author-Name: Hotniar Siringoringo
Author-X-Name-First: Hotniar
Author-X-Name-Last: Siringoringo
Author-Name:  Sudaryanto
Author-X-Name-First: 
Author-X-Name-Last: Sudaryanto
Title: Unveiling the intention to use e-money: from a merchant's perspective
Abstract:
This study aims to analyse the factors that influence the intention to use electronic money (e-money) from the merchant's side. The population study is the group of merchants who have not used e-money. The questionnaire was deployed as the research instrument. The questionnaire was distributed online using Google Forms and directly by meeting personally. Data collected was analysed using a structural model equation (SEM). Computer applications SPSS 25 and AMOS 224 were used in this step. There is some evidence provided from this study. Firstly, 'performance expectations', 'social influences', and 'hedonic motivation' affect the 'intention to use' e-money. Secondly, 'effort expectation', 'facilities condition', and 'price value' do not affect the 'intention' to adopt e-money. This paper provides ideas on how the results obtained can be used by decision makers (e-money issuers and central banks) to motivate merchants to use e-money in their selling transactions.
Journal: Int. J. of Electronic Finance
Pages: 337-349
Issue: 4
Volume: 12
Year: 2023
Keywords: UTAUT2; intention to use; electronic money; financial technology; electronic wallet; merchant; Indonesia.
File-URL: http://www.inderscience.com/link.php?id=133829
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Handle: RePEc:ids:ijelfi:v:12:y:2023:i:4:p:337-349

Template-Type: ReDIF-Article 1.0
Author-Name: Isha Narula
Author-X-Name-First: Isha
Author-X-Name-Last: Narula
Author-Name: Kriti Dhingra
Author-X-Name-First: Kriti
Author-X-Name-Last: Dhingra
Title: Digital currency - role of cryptocurrency in the new financial era
Abstract:
Innovations in technology have rendered the financial world more virtual and digitised, but in the new financial era, we are still not able to grasp the cryptocurrency market dynamically. The tools used for predicting and modelling the cryptocurrency market need proper improvisation so that the distrust of the public for cryptocurrency as a pioneering financial asset can be duly managed. The cryptocurrency market is considered to be a volatile market, also substantial portions of purchase of cryptocurrency are considered as speculations. With the rising number of cryptocurrencies and increase in market capitalisation of the cryptocurrency market, many studies have been conducted to understand the cryptocurrency markets in terms of its volatility. The present study has proposed models to understand the volatility of the cryptocurrency market to understand its popularity among investors.
Journal: Int. J. of Electronic Finance
Pages: 364-373
Issue: 4
Volume: 12
Year: 2023
Keywords: cryptocurrency; volatility; GARCH.
File-URL: http://www.inderscience.com/link.php?id=133831
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Handle: RePEc:ids:ijelfi:v:12:y:2023:i:4:p:364-373

Template-Type: ReDIF-Article 1.0
Author-Name: Monika Bhatia
Author-X-Name-First: Monika
Author-X-Name-Last: Bhatia
Author-Name: Pritpal Singh Bhullar
Author-X-Name-First: Pritpal Singh
Author-X-Name-Last: Bhullar
Author-Name: Dipayan Roy
Author-X-Name-First: Dipayan
Author-X-Name-Last: Roy
Author-Name: Pradeep Kumar Gupta
Author-X-Name-First: Pradeep Kumar
Author-X-Name-Last: Gupta
Title: Impact of board gender diversity on priority sector lending and insolvency risk: evidence from the Indian banking industry
Abstract:
This paper aims to examine the impact of board gender diversity on priority sector lending and insolvency risk of banks. The study takes 28 banks, 14 public and 14 private sectors, into consideration for the period from 2012 to 2020. The panel data regression is employed to measure the impact of board gender diversity on priority sector lending and insolvency risk. The findings of this study show that a higher percentage of female board members has a significant positive impact on the priority sector lending in banks. It means the women directors prefer to strengthen the weaker economic sectors for the economic growth of the country. Further, female directors are able to minimise the insolvency risk and insulate the banking institutions from being bankrupt. It indicates that with a women-led board of directors, banks can maintain their credit risk under the tolerance limit.
Journal: Int. J. of Electronic Finance
Pages: 350-363
Issue: 4
Volume: 12
Year: 2023
Keywords: gender diversity; insolvency risk; priority sector lending; banking industry; India.
File-URL: http://www.inderscience.com/link.php?id=133832
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Handle: RePEc:ids:ijelfi:v:12:y:2023:i:4:p:350-363

Template-Type: ReDIF-Article 1.0
Author-Name: Arun Mittal
Author-X-Name-First: Arun
Author-X-Name-Last: Mittal
Author-Name: Sonia Singh
Author-X-Name-First: Sonia
Author-X-Name-Last: Singh
Author-Name: S. Suman Rajest
Author-X-Name-First: S. Suman
Author-X-Name-Last: Rajest
Title: Role of artificial intelligence in knowledge management: an empirical study of industry experts using stepwise multiple regression
Abstract:
Knowledge management (KM) is considered the lifeblood of growth and sustainability in modern organisations. The emergence of various information technology-based solutions has thoroughly transformed the KM system by making it efficient, swift, and robust. Artificial intelligence is one such IT evolution. The study has considered experts from different industries like IT and ITEs, research, banking, FinTech, and retail. The data were collected from 217 industry experts through a structured questionnaire containing a five-point Likert scale for measurement, containing 20 items as independent variables and one as the dependent variable. Data analysis was done through 'exploratory factor analysis (EFA)' and multiple regression analysis. The most important factor contributing to knowledge management was found to be 'knowledge distribution' with an effect size of standardised beta (.806), followed by 'amplifying efficiency' (0.307), real-time engagement and collaboration (0.108), and 'AI as an artificial neural network' (0.080).
Journal: Int. J. of Electronic Finance
Pages: 403-422
Issue: 4
Volume: 12
Year: 2023
Keywords: knowledge management; artificial intelligence; knowledge distribution; artificial neural network; ANN; real-time engagement.
File-URL: http://www.inderscience.com/link.php?id=133838
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Handle: RePEc:ids:ijelfi:v:12:y:2023:i:4:p:403-422

Template-Type: ReDIF-Article 1.0
Author-Name: Amarjit Gill
Author-X-Name-First: Amarjit
Author-X-Name-Last: Gill
Author-Name: John D. Obradovich
Author-X-Name-First: John D.
Author-X-Name-Last: Obradovich
Author-Name: Leo Paul Dana
Author-X-Name-First: Leo Paul
Author-X-Name-Last: Dana
Author-Name: Neil Mathur
Author-X-Name-First: Neil
Author-X-Name-Last: Mathur
Title: Religious capital and information technology investment
Abstract:
This empirical study aimed to examine the relationships between religious capital and information technology (IT) investment. We utilised a survey research design to collect data from small and medium enterprise (SME) owners in India. In addition, this study also utilised the ordinary least square model to test the hypotheses and a two-stage least square model to reduce endogeneity problems. The empirical analysis shows that religious capital increases internal financing sources (IFS) and IT investment in SMEs in India. IFS, in turn, increases IT investment. Notably, religious capital increases the chances of IT investment by 34.40% and increases the chances of having higher IFS by 10.80%. Empirical results contribute to the literature on the relationships between religious capital and IT investment.
Journal: Int. J. of Electronic Finance
Pages: 423-439
Issue: 4
Volume: 12
Year: 2023
Keywords: religious capital; internal financing sources; IFS; IT investment; India; small and medium enterprises; SMEs.
File-URL: http://www.inderscience.com/link.php?id=133839
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Handle: RePEc:ids:ijelfi:v:12:y:2023:i:4:p:423-439

Template-Type: ReDIF-Article 1.0
Author-Name: Randall J. Hucks
Author-X-Name-First: Randall J.
Author-X-Name-Last: Hucks
Title: On the effects of misspellings on lender demand in peer-to-peer lending
Abstract:
I analyse borrower submitted free-form descriptions of anonymous peer-to-peer (P2P) loans from the US-based P2P lending website LendingClub.com and find that borrower misspellings predict lower funding rates, and longer times to fund. Prior empirical studies suggest that poor spelling in peer-to-peer lending disclosures is used as a substitute for hard credit information; my findings show that poor spelling is perceived as a signal of the communicator's quality regardless of the quality of the information environment. Further, I demonstrate that the negative relation between misspelling and lender demand holds generally, regardless of borrower or loan characteristics, confirming prior experimental research.
Journal: Int. J. of Electronic Finance
Pages: 374-402
Issue: 4
Volume: 12
Year: 2023
Keywords: peer to peer lending; P2P lending; LendingClub; lending club; USA; spelling; misspelling; lender demand; textual analysis; time-to-fund; fintech; financial technology.
File-URL: http://www.inderscience.com/link.php?id=133841
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Handle: RePEc:ids:ijelfi:v:12:y:2023:i:4:p:374-402

Template-Type: ReDIF-Article 1.0
Author-Name: B. Vidhyadevi
Author-X-Name-First: B.
Author-X-Name-Last: Vidhyadevi
Author-Name: P. Uma Swarupa
Author-X-Name-First: P. Uma
Author-X-Name-Last: Swarupa
Title: Analysing the capital structure tactics used by the chosen Indian renewable energy firms
Abstract:
The study's goal was to investigate the capital structuring tactics used by the corporations INDOWIND and KARMAENG. Finding a model to forecast their authorised, issued, and paid-up capital over time is another goal. An analytical research design was used for the investigation. Yahoo Finance and Money Control websites provided secondary data from 2008 to 2021. Only the top 2 NSE-listed firms with the biggest market capitalisation that have only dealt with renewable energy over the previous ten years were taken into consideration for the study. It was determined from the investigation that just a small percentage of the authorised capital is being used by INDOWIND for issuing. Additionally, it was discovered that there is a strong positive correlation between KARMAENG and INDOWIND's authorised, issued, and paid-up capital. The Pearson correlation value for KARMAENG was 1, suggesting that the firm is issuing all its authorised and issued capital, which shareholders have paid for. Authorised capital significantly influenced the INDOWIND Company's issued and paid-up capital structure.
Journal: Int. J. of Electronic Finance
Pages: 440-454
Issue: 4
Volume: 12
Year: 2023
Keywords: renewable energy; investment; capital structuring; accomplishment; simultaneous comparability; heteroskedasticity; regularity; business statements; hazard concerns; carbon fuels; electricity; sustainable sources; NSE India.
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Handle: RePEc:ids:ijelfi:v:12:y:2023:i:4:p:440-454

Template-Type: ReDIF-Article 1.0
Author-Name: Ankita Singh
Author-X-Name-First: Ankita
Author-X-Name-Last: Singh
Author-Name: Nirupa Lakshmi
Author-X-Name-First: Nirupa
Author-X-Name-Last: Lakshmi
Title: Review on impact of corporate social responsibility on employee motivation, job satisfaction, and organisational commitment
Abstract:
Corporate social responsibility (CSR) is one of the most significant social elements that could affect an employee's commitment, engagement, and job happiness. It also serves as a foundation for shaping the attitudes and behaviours of employees. CSR is revolutionary because firms now realise they can grow by focusing on social issues and financial investments. Many companies have started to consider CSR principles to increase their competitiveness in the global market and market their products and services. CSR initiatives are regarded as crucial since they encourage and satiate employees. The review study results show that the relationship between organisational commitment, job satisfaction, and employee satisfaction can be effectively mediated by trust. Internal CSR was a second-order concept that included employment security, work environment, skill development, workforce diversity, work-life balance, concrete employee involvement, and empowerment. The study contributed a lot of essential knowledge and practical implementations, which should motivate firms and organisations to create programs that promote employee welfare and productivity.
Journal: Int. J. of Electronic Finance
Pages: 455-469
Issue: 4
Volume: 12
Year: 2023
Keywords: corporate social responsibility; CSR; employee commitment; employee satisfaction; financial investment; job happiness; job satisfaction; organisational commitment; employee performance; products; services.
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Handle: RePEc:ids:ijelfi:v:12:y:2023:i:4:p:455-469