Template-Type: ReDIF-Article 1.0
Author-Name: J.M. Kennedy
Author-X-Name-First: J.M.
Author-X-Name-Last: Kennedy
Author-Name: C. Rabbiraj
Author-X-Name-First: C.
Author-X-Name-Last: Rabbiraj
Title: Goods-services continuum and servitisation in the context of customer service management
Abstract:
The writers of this article examine two well-known marketing concepts, compare and contrast them with servitisation, and then analyse them in light of customer service management. Servitisation, unlike the goods-services continuum, is new marketing. Servitisation, on the other hand, structured products from 'pure goods' to 'pure services, ' questioning the existence of such things. A product that wants to succeed must offer some kind of service, and a service that prioritises customer satisfaction must offer some kind of product. In a world where servitisation is the norm and products are increasingly being created to embed characteristics of service into their essential structure, is it feasible that the notion of 'pure commodities' and 'pure services' no longer bears any significance? After doing research, the authors conclude that pure commodities and services are no longer relevant outside of theoretical study and are obsolete in marketing practise. They conclude this after investigating. Qualitative case studies show the end of continuity, the move from continuum to servitisation, and the effects of different digitalisation methods.
Journal: Int. J. of Electronic Finance
Pages: 121-137
Issue: 1
Volume: 13
Year: 2024
Keywords: customer relations; digital servitisation; e-commerce; goods-services continuum; servitisation; operations management; service administration.
File-URL: http://www.inderscience.com/link.php?id=135170
File-Format: text/html
File-Restriction: Access to full text is restricted to subscribers.
Handle: RePEc:ids:ijelfi:v:13:y:2024:i:1:p:121-137

Template-Type: ReDIF-Article 1.0
Author-Name: Can Zhao
Author-X-Name-First: Can
Author-X-Name-Last: Zhao
Author-Name: Dejun Xie
Author-X-Name-First: Dejun
Author-X-Name-Last: Xie
Author-Name: Zhiyong Chen
Author-X-Name-First: Zhiyong
Author-X-Name-Last: Chen
Title: A survey of systemic risk in the banking industry
Abstract:
The paper surveys the systemic risks in the banking industry, characterising the risks according to the risk source and market transmission mechanism. The corresponding approaches that could be leveraged by regulations to minimise such risks are meticulously analysed. Diverse isolated sources of systemic risk could be managed using differential measurements for separate sources using various data-based financial ratios and regulation tools. More sophisticated approach is the integration of various global measures, which are aimed at regulating systemic risk without specific sources, and it uses market data to operate a more efficient regulation. In this paper, detailed comparisons in terms of the advantages and disadvantages of these regulation tools and measures are discussed and suggestions for more robust future regulation are also provided.
Journal: Int. J. of Electronic Finance
Pages: 103-120
Issue: 1
Volume: 13
Year: 2024
Keywords: systemic risk; risk transmission; regulation tools; financial ratios; integrated measures.
File-URL: http://www.inderscience.com/link.php?id=135174
File-Format: text/html
File-Restriction: Access to full text is restricted to subscribers.
Handle: RePEc:ids:ijelfi:v:13:y:2024:i:1:p:103-120

Template-Type: ReDIF-Article 1.0
Author-Name: Mohammed Hasan Ali Al-Abyadh
Author-X-Name-First: Mohammed Hasan Ali
Author-X-Name-Last: Al-Abyadh
Author-Name: Iskandar Muda
Author-X-Name-First: Iskandar
Author-X-Name-Last: Muda
Author-Name: Budhi Sagar Mishra
Author-X-Name-First: Budhi Sagar
Author-X-Name-Last: Mishra
Author-Name: Aram Jawhar Mohammad
Author-X-Name-First: Aram Jawhar
Author-X-Name-Last: Mohammad
Author-Name: Bestoon Othman
Author-X-Name-First: Bestoon
Author-X-Name-Last: Othman
Author-Name: Arup Roy Chowdhury
Author-X-Name-First: Arup Roy
Author-X-Name-Last: Chowdhury
Title: The consequences of efficient communication on operational efficiency
Abstract:
Conversation is a crucial and essential part of the organisation since it successfully promotes managers, which impacts organisational administration and outcomes. The systems theory is used in this important study to evaluate how communication firm outcomes. In meeting its goals, the study's objectives were to determine the theory-based network characteristics that impact effective interaction and then design a communication model that considers these aspects. In the study, the organisational culture serves as a facilitator as it evaluates the effect of efficient communication on firm success. The information was gathered from a few people employed by businesses in a country's IT and telecom sectors. The study's findings indicate that good communication favours organisational performance, but if an organisation's culture is not supportive, performance will suffer. The findings of this study suggest that management should support and develop a culture of good communication both within and between enterprises to boost performance.
Journal: Int. J. of Electronic Finance
Pages: 298-316
Issue: 3
Volume: 13
Year: 2024
Keywords: effective communication; performance; knowledge management; organisational; performance; organisational culture.
File-URL: http://www.inderscience.com/link.php?id=139581
File-Format: text/html
File-Restriction: Access to full text is restricted to subscribers.
Handle: RePEc:ids:ijelfi:v:13:y:2024:i:3:p:298-316

Template-Type: ReDIF-Article 1.0
Author-Name: Kedar Bhagwat
Author-X-Name-First: Kedar
Author-X-Name-Last: Bhagwat
Author-Name: Dhiraj Prakash Sethi
Author-X-Name-First: Dhiraj Prakash
Author-X-Name-Last: Sethi
Author-Name: Anand Venkatesh
Author-X-Name-First: Anand
Author-X-Name-Last: Venkatesh
Author-Name: Yogesh Mahajan
Author-X-Name-First: Yogesh
Author-X-Name-Last: Mahajan
Title: Consumer awareness about road sector in India and suggested approach for improved involvement of citizens in road development programs
Abstract:
With the success of road development programs in terms of the availability of quality road networks across the country and acceptance of roads as a primary mode of transportation amongst road users, in this study, we have conducted road user awareness regarding road transportation system and related road safety aspects through a comprehensively designed web-based objective type questionnaire. This questionnaire was distributed online to road users nationwide, mainly passenger car drivers. All the satisfactory responses have been analysed using descriptive analysis and regression analysis. According to the survey, road users think they comprehend traffic laws, road networks, and toll policies. The average awareness score was 16 out of 31 items (approximately 50%), which is poor considering that 47% of respondents were from the civil/infrastructure industry, contributing heavily to India's road-building program. This study examined user awareness across programs, not just safety. Policymakers can utilise the study's findings to comprehend passenger car users' awareness of the road network, driving behaviours, road safety, toll policy, and technological initiatives.
Journal: Int. J. of Electronic Finance
Pages: 275-297
Issue: 3
Volume: 13
Year: 2024
Keywords: road user awareness; road safety initiatives; road development programs; civil/infrastructure industry.
File-URL: http://www.inderscience.com/link.php?id=139582
File-Format: text/html
File-Restriction: Access to full text is restricted to subscribers.
Handle: RePEc:ids:ijelfi:v:13:y:2024:i:3:p:275-297

Template-Type: ReDIF-Article 1.0
Author-Name: Preeti Sharma
Author-X-Name-First: Preeti
Author-X-Name-Last: Sharma
Author-Name: Sanjay Taneja
Author-X-Name-First: Sanjay
Author-X-Name-Last: Taneja
Author-Name: Pawan Kumar
Author-X-Name-First: Pawan
Author-X-Name-Last: Kumar
Author-Name: Ercan Özen
Author-X-Name-First: Ercan
Author-X-Name-Last: Özen
Author-Name: Amandeep Singh
Author-X-Name-First: Amandeep
Author-X-Name-Last: Singh
Title: Application of the UTAUT model toward individual acceptance: emerging trends in artificial intelligence-based banking services
Abstract:
In the business world, acceptance of new technologies, in particular internet banking is becoming more crucial. Numerous researches on internet banking have discovered that the opinions and experiences of customers are crucial to the service's effectiveness. To determine factors influencing internet banking adoption, the study may employ the use of technology and unified theory of acceptance anxiety, and security risk. For the data collection, 116 replies were received, and factor analysis was performed using PLS-SEM. The SEM found that roughly 55.66% of the variation in intention of users to use digital banking was explained by predictors. The integrated UTAUT model had the biggest impact on consumers' intents to utilise digital banking. Additionally, use of the UTAUT model can help academics to gain an updated knowledge on ways to encourage internet banking acceptability for clients of public and private banks, thereby assisting in the expansion of internet banking acceptance. In this paper, commercial bank customers offer a fresh viewpoint on technology-based banking services. In order to increase trust of banking clients, the RBI as well as bank officials shall concentrate on technological and factor driving customer satisfaction.
Journal: Int. J. of Electronic Finance
Pages: 352-366
Issue: 3
Volume: 13
Year: 2024
Keywords: UTAUT model; internet/digital banking; anxiety; security risk; PLS-SEM.
File-URL: http://www.inderscience.com/link.php?id=139584
File-Format: text/html
File-Restriction: Access to full text is restricted to subscribers.
Handle: RePEc:ids:ijelfi:v:13:y:2024:i:3:p:352-366

Template-Type: ReDIF-Article 1.0
Author-Name: Shiv Shankar Kumar
Author-X-Name-First: Shiv Shankar
Author-X-Name-Last: Kumar
Author-Name: N. Sivasankaran
Author-X-Name-First: N.
Author-X-Name-Last: Sivasankaran
Author-Name: Subrata Roy
Author-X-Name-First: Subrata
Author-X-Name-Last: Roy
Author-Name: Naresh Gopal
Author-X-Name-First: Naresh
Author-X-Name-Last: Gopal
Title: Composite financial performance score - a new performance measure for evaluating the impact of working capital efficiency of firms
Abstract:
Working capital management is vital to the functioning of a healthy and successful commercial firm. A major portion of working capital literature has empirically examined the impact of working capital efficiency (WCE) on the firm's profitability. In literature, profitability is often used as a proxy for a company's financial performance. However, the drawback of these studies is that the outcome measure used by them does not reflect the full/aggregate impact of WCE because these measures (ROA, ROCE, ROE, NOI and GOI) only account for the impact of WCE on business profitability and ignore the impact of WCE on other sub-metrics of financial performance. In this research, we present a new performance measure of WCE, namely, composite financial performance score (CFPS) by considering the most important performance indicators such as profitability, liquidity, solvency, cash flow management, and leverage. Borrowing from Piotroski's F-score framework, we have developed a discrete binary scoring system using scores of 0 or 1 on 22 sub-parameters that form part of the above stated performance indicators of a firm. The study is useful for academicians and industry practitioners as it provides new insights and implications for them in the performance assessment of firms.
Journal: Int. J. of Electronic Finance
Pages: 367-385
Issue: 3
Volume: 13
Year: 2024
Keywords: profitability; liquidity; solvency; cash flow management; leverage; composite financial performance score; working capital efficiency.
File-URL: http://www.inderscience.com/link.php?id=139585
File-Format: text/html
File-Restriction: Access to full text is restricted to subscribers.
Handle: RePEc:ids:ijelfi:v:13:y:2024:i:3:p:367-385

Template-Type: ReDIF-Article 1.0
Author-Name: P. Madhu Kumar Reddy
Author-X-Name-First: P. Madhu Kumar
Author-X-Name-Last: Reddy
Author-Name: V.S. Prasad Kandi
Author-X-Name-First: V.S. Prasad
Author-X-Name-Last: Kandi
Author-Name: M. Radhika
Author-X-Name-First: M.
Author-X-Name-Last: Radhika
Title: Analysis of significant problems in horticultural sector by asserting developing and modern constraints
Abstract:
The present horticulture industry represents one of the fastest growing sectors, making significant contributions to societal development, production dynamics, and the cultivation of greenhouse plants. This industry plays a pivotal role in economic development. It is important to highlight that the horticulture sector encounters critical issues that illuminate the challenges associated with the selling and marketing of horticultural products in India. These challenges not only impact the economic outcomes but also influence the financial strategies within the sector. Industry professionals used Delphi technique to identify the emerging horticulture sector challenges. Experts agreed on 58 topics with 15 related to selling and marketing horticulture products. The constant comparative method analysed crucial topics like environmental and economic sustainability, government regulations and research education, marketing and supply chain management, production and harvesting, and workforce development. With this altering culture, supplementary businesses have used their wide selection of positive things. This article also examines how these organisations work, their competitiveness, consumer needs, and ways to improve their competitiveness using four important subsectors. Each variable's qualifying conditions were picked using the Delphi technique. The results revealed that horticultural product sales and marketing are the challenges.
Journal: Int. J. of Electronic Finance
Pages: 317-335
Issue: 3
Volume: 13
Year: 2024
Keywords: environmental sustainability; marketing; supply chain management; critical issues; labour shortage; critical concerns; landscaping; labour crisis; ecology; horticultural production; pest control.
File-URL: http://www.inderscience.com/link.php?id=139589
File-Format: text/html
File-Restriction: Access to full text is restricted to subscribers.
Handle: RePEc:ids:ijelfi:v:13:y:2024:i:3:p:317-335

Template-Type: ReDIF-Article 1.0
Author-Name: D. Sankar
Author-X-Name-First: D.
Author-X-Name-Last: Sankar
Title: Unravelling the legal conundrum of DNA profiling in India: an analysis of its adoption, implementation and unresolved issues
Abstract:
DNA profiling has transformed criminal justice by helping identify defendants. DNA profiling is an art that uses genetics to identify people. Recently, DNA profiling has helped solve crimes. Scientists can now decipher the DNA code and compare DNA samples to find similarities and differences, which have helped courts convict or acquit criminals. The Indian Evidence Act 1872 and Criminal Procedure Act 1973 govern DNA evidence admissibility and significance. DNA profiling has been a helpful technology in law investigation since it has the potential to both secure just punishments and exonerate innocent people. Moreover, DNA profiling, in contrast to other forms of scientific evidence, is simple to acquire and durable, thus enhancing the likelihood of a correct analysis. Human DNA profiling must be regulated and limited to legal uses. The DNA Technology Regulations Bill 2019 regulates DNA profiling in India. This study attempts to explain India's DNA profiling justice system dilemma. The uniqueness of DNA profiling and its use in criminal investigation to reveal grey zones that lead to miscarriage of justice.
Journal: Int. J. of Electronic Finance
Pages: 336-351
Issue: 3
Volume: 13
Year: 2024
Keywords: Criminal Procedure Code; CrPC; constitutional law; DNA profiling; genetic makeup; National Registry of Exonerations; NRE; evidence law; forensic science; justice system; technology; India.
File-URL: http://www.inderscience.com/link.php?id=139590
File-Format: text/html
File-Restriction: Access to full text is restricted to subscribers.
Handle: RePEc:ids:ijelfi:v:13:y:2024:i:3:p:336-351

Template-Type: ReDIF-Article 1.0
Author-Name: A. Muthulakshmi
Author-X-Name-First: A.
Author-X-Name-Last: Muthulakshmi
Author-Name: J. Tamilselvi
Author-X-Name-First: J.
Author-X-Name-Last: Tamilselvi
Author-Name: S. Shahul Hameed
Author-X-Name-First: S. Shahul
Author-X-Name-Last: Hameed
Title: Moderating effects of challenges on self-efficacy and satisfaction of women street vendors
Abstract:
Street vending is a means of survival for many families in India, especially women who are economically disadvantaged or have limited opportunities for formal employment. However, these vendors face significant legal obstacles in establishing their businesses due to insufficient infrastructure and limited resources. They struggle to acquire room and financing to run a profitable firm due to a lack of infrastructure. Women's street vendors in India often face various challenges and hindrances from the government, the public, licensed establishments, law enforcement, and other sources. Despite such challenges, they run their businesses successfully due to their economic conditions. Self-efficacy affects these vendors' business management, problem-solving, and satisfaction. Purposive sampling was used to recruit 421 Tamil Nadu residents from Tirunelveli and Kanyakumari. SPSS and AMOS studied female street seller data. Our findings show that female street vendors' business happiness depends on their satisfaction in overcoming hurdles. High amounts decrease satisfaction, while low levels boost it. Self-efficacy affects satisfaction too. Street merchants need public and government support to succeed.
Journal: Int. J. of Electronic Finance
Pages: 386-402
Issue: 3
Volume: 13
Year: 2024
Keywords: street vending; women; self-efficacy; challenges; satisfaction; infrastructure; legal obstacles; formal employment; licensed establishments; law enforcement; public support; facilities.
File-URL: http://www.inderscience.com/link.php?id=139593
File-Format: text/html
File-Restriction: Access to full text is restricted to subscribers.
Handle: RePEc:ids:ijelfi:v:13:y:2024:i:3:p:386-402

Template-Type: ReDIF-Article 1.0
Author-Name: Youssef Chetioui
Author-X-Name-First: Youssef
Author-X-Name-Last: Chetioui
Author-Name: Tahar Harkat
Author-X-Name-First: Tahar
Author-X-Name-Last: Harkat
Author-Name: Fatima Zahra Rais
Author-X-Name-First: Fatima Zahra
Author-X-Name-Last: Rais
Author-Name: Hind Lebdaoui
Author-X-Name-First: Hind
Author-X-Name-Last: Lebdaoui
Author-Name: Imane Lebdaoui
Author-X-Name-First: Imane
Author-X-Name-Last: Lebdaoui
Author-Name: Souad Nassir
Author-X-Name-First: Souad
Author-X-Name-Last: Nassir
Title: E-bidding adoption among SMEs: evidence from an African emerging market
Abstract:
While digitalisation reforms aiming to enhance the quality of public services were put in place, most stakeholders in developing countries still use paper-based-tendering processes, which are associated with increased costs. To overcome these problems, calls to adopt e-bidding have recently emerged. This study aims to explore the readiness of Moroccan SMEs to adopt e-bidding. To achieve this goal, we proposed an integrated framework combining the TAM and UTAUT models to examine the predictors of SMEs' intention to adopt e-bidding. We empirically tested the conceptual model using a partial least squares (PLS) estimation based on data from 210 SMEs. Our results suggest that effort expectancy, facilitating conditions, and social influence as the key factors influencing SMEs intention to adopt e-bidding. We also suggest firm size as a significant moderator. This will help in improving SMEs' user experience and will also allow a better implementation of e-bidding in Morocco and similar contexts.
Journal: Int. J. of Electronic Finance
Pages: 403-421
Issue: 4
Volume: 13
Year: 2024
Keywords: electronic bidding; UTAUT; TAM; emerging markets; Morocco; digitalisation.
File-URL: http://www.inderscience.com/link.php?id=141707
File-Format: text/html
File-Restriction: Access to full text is restricted to subscribers.
Handle: RePEc:ids:ijelfi:v:13:y:2024:i:4:p:403-421

Template-Type: ReDIF-Article 1.0
Author-Name: Luigi Pio Leonardo Cavaliere
Author-X-Name-First: Luigi Pio Leonardo
Author-X-Name-Last: Cavaliere
Author-Name: Sanjay Rizal
Author-X-Name-First: Sanjay
Author-X-Name-Last: Rizal
Author-Name: Krishnasamy Srinivasan
Author-X-Name-First: Krishnasamy
Author-X-Name-Last: Srinivasan
Author-Name: Ashutosh Singh
Author-X-Name-First: Ashutosh
Author-X-Name-Last: Singh
Author-Name: Iskandar Muda
Author-X-Name-First: Iskandar
Author-X-Name-Last: Muda
Author-Name: Surendra Kumar Shukla
Author-X-Name-First: Surendra Kumar
Author-X-Name-Last: Shukla
Title: Enhancing clean technology's dynamic cross technique using value chain
Abstract:
Numerous Indian economic sectors have been impacted by the COVID-19 epidemic, with many being forced to the verge of extinction. As a result, this essay analyses the importance of supply chains for grapes and the manufactured goods made from them, including beverages and currants, in a specific state that happens to be India's top grape-producing region. In order to identify the sites of rupture brought on by the pandemic and to recommend policy changes to create a resilient system, a value chain analysis is performed. Value chain management has emerged as one of the key strategies businesses use today to boost productivity and costs when they are up against greater rivalry in the marketplace, however, with several new challenges, such as concerns over security, environmental protection, compensation, and business accountability. According to the value chain study, the level of value addition for intermediary agents, such as pre-harvest contractors, has increased after COVID-19 at the expense of farmers. Various policy approaches are explained to enhance the grape value chain using the knowledge gained from Porter's value chain results and supply and demand shocks.
Journal: Int. J. of Electronic Finance
Pages: 422-439
Issue: 4
Volume: 13
Year: 2024
Keywords: fruit and vegetable cycle; system efficiency evaluation; fresh produce warehouse; innovative design; COVID-19.
File-URL: http://www.inderscience.com/link.php?id=141708
File-Format: text/html
File-Restriction: Access to full text is restricted to subscribers.
Handle: RePEc:ids:ijelfi:v:13:y:2024:i:4:p:422-439

Template-Type: ReDIF-Article 1.0
Author-Name: J. Sai Sudha
Author-X-Name-First: J. Sai
Author-X-Name-Last: Sudha
Author-Name: V.S. Prasad Kandi
Author-X-Name-First: V.S. Prasad
Author-X-Name-Last: Kandi
Title: Digitalisation boost operation efficiency with special emphasis on the banking sector
Abstract:
The banking sector has experienced a substantial technological shift that has opened up new and better opportunities for its customers. Based on their technological expenditures, the study assessed the two biggest public Indian banks and the two biggest private Indian banks. The most crucial statistical techniques used to demonstrate the aims are realistic are bivariate correlations and ordinary least squares. This work aims to establish a connection between research and a technology index that serves as a proxy for operational efficiency. The results show that for both public and private banks, the technology index positively influences operational efficiency metrics like IT costs, marketing costs, and compensation costs. This suggests that when the technology index increases, so do IT, marketing, and compensation costs, even though it has been shown that the technology index favourably improves operational efficiency measures like depreciation and printing. This means that the cost to banks is high despite greater investment in technology for these activities.
Journal: Int. J. of Electronic Finance
Pages: 453-476
Issue: 4
Volume: 13
Year: 2024
Keywords: digitalisation; boost operation; banking sector; public sector banks; Indian economy; financial performance; entrants; incumbents.
File-URL: http://www.inderscience.com/link.php?id=141714
File-Format: text/html
File-Restriction: Access to full text is restricted to subscribers.
Handle: RePEc:ids:ijelfi:v:13:y:2024:i:4:p:453-476

Template-Type: ReDIF-Article 1.0
Author-Name: Lata Saini
Author-X-Name-First: Lata
Author-X-Name-Last: Saini
Author-Name: Satish Khasa
Author-X-Name-First: Satish
Author-X-Name-Last: Khasa
Title: Insights from bibliometric analysis: exploring digital payments future research agendas
Abstract:
Along with amazing advancements in the field of digital payments, this article seeks to provide a summary of research undertaken over the last four decades and to suggest areas in need of additional study. This study employs a two-pronged technique for analysing its data. The first is concerned with performance analysis, and the second with science mapping. The study uses the apps VOS viewer and R-studio to do bibliometric data analysis. From 1982 until May 2022, the most trustworthy database, Scopus, is used to compile a database of 923 publications The findings of this study identify the scope of current research interest, which is explored with critical contributions from a variety of authors, journals, countries, affiliations, keyword analysis, citation analysis, co-citation analysis, and bibliometric coupling, as well as a potential research direction for further investigation in this emerging field.
Journal: Int. J. of Electronic Finance
Pages: 494-526
Issue: 4
Volume: 13
Year: 2024
Keywords: digital payments; electronic payments; bibliometric analysis; mobile payment; VOSviewer; R-studio.
File-URL: http://www.inderscience.com/link.php?id=141717
File-Format: text/html
File-Restriction: Access to full text is restricted to subscribers.
Handle: RePEc:ids:ijelfi:v:13:y:2024:i:4:p:494-526

Template-Type: ReDIF-Article 1.0
Author-Name: Rosario Huerta-Soto
Author-X-Name-First: Rosario
Author-X-Name-Last: Huerta-Soto
Author-Name: Carlos Fernandez-Lopez
Author-X-Name-First: Carlos
Author-X-Name-Last: Fernandez-Lopez
Author-Name: Hober Huaranga-Toledo
Author-X-Name-First: Hober
Author-X-Name-Last: Huaranga-Toledo
Author-Name: Miguel Silva-Zapata
Author-X-Name-First: Miguel
Author-X-Name-Last: Silva-Zapata
Author-Name: Julio Valera-Aredo
Author-X-Name-First: Julio
Author-X-Name-Last: Valera-Aredo
Title: Influence of private consumption and public spending on economic growth in Peru
Abstract:
This article examines the sources of economic growth in Peru from 2007 to 2018, integrating the analysis of private consumption and public spending, then analysing the macroeconomic adjustment and structural change that has characterised the Peruvian economy in the stage of economic openness. The study's main goal was to identify the factors contributing to home-level poverty in Peru during a specific period. The data sources matched the institute's survey, which obtained and managed bad variables. Semi-studies and a quantitative methodology made the descriptive research informative and statistically significant. The macroeconomic theory presents debt's pros and cons on output. A theory that fiscal expansion raises debt but boosts consumer spending and job growth supports beneficial outcomes. How positive the multiplier effect depends on its strength? It also examines endogenous economic growth models with public institutions and those for the Peruvian economy; then, the model is estimated using contemporary structural econometrics. The research's findings indicate that public investment, particularly in infrastructure and the rule of law, has not had a favourable impact on Peru's economic growth in recent years.
Journal: Int. J. of Electronic Finance
Pages: 256-273
Issue: 2
Volume: 13
Year: 2024
Keywords: economic growth; private consumption; public spending; Ramsey test; macroeconomic theory; rule of law; labour productivity; human capital; Peru.
File-URL: http://www.inderscience.com/link.php?id=137631
File-Format: text/html
File-Restriction: Access to full text is restricted to subscribers.
Handle: RePEc:ids:ijelfi:v:13:y:2024:i:2:p:256-273

Template-Type: ReDIF-Article 1.0
Author-Name: T. Shenbagavalli
Author-X-Name-First: T.
Author-X-Name-Last: Shenbagavalli
Author-Name: S. Piradeep
Author-X-Name-First: S.
Author-X-Name-Last: Piradeep
Author-Name: B. Priyadharshini
Author-X-Name-First: B.
Author-X-Name-Last: Priyadharshini
Author-Name: S. Ramya
Author-X-Name-First: S.
Author-X-Name-Last: Ramya
Author-Name: Y. Fathima
Author-X-Name-First: Y.
Author-X-Name-Last: Fathima
Title: Financial articulacy accelerates economic growth related to GST transition
Abstract:
Financial literacy is used to assess both individual and national financial health. Financial articulacy teaches analytical financial decision-making and problem-solving. Real estate, insurance, investment, savings, tax preparation, and retirement are just a few areas where this insight may be useful. Lack of financial articulacy may result in bad financial decisions that harm a country's economy's financial stability. Improper funding causes most national financial issues. Goods and services tax spirals 17 indirect taxes and 22 cesses into one tax. GST is a basic tax with a five-tiered taxation slab for different items. Luxury goods cost more, and mass-consumed goods cost less. It's nothing new; most nations have already adopted GST to make their products more competitive on the global market. The highest rate applies to luxury items and stands at 28%. To benefit from GST rather than indirect taxes, it is necessary to have a firm grasp on a wide range of concepts, since the highest tax rate in the globe is 28%. This study simplifies the GST transition and boosts economic growth through inclusivity.
Journal: Int. J. of Electronic Finance
Pages: 196-215
Issue: 2
Volume: 13
Year: 2024
Keywords: financial articulacy; goods and services tax; sustainability; planning of tax; articulacy; indirect taxes; economic growth.
File-URL: http://www.inderscience.com/link.php?id=137632
File-Format: text/html
File-Restriction: Access to full text is restricted to subscribers.
Handle: RePEc:ids:ijelfi:v:13:y:2024:i:2:p:196-215

Template-Type: ReDIF-Article 1.0
Author-Name: Melanie Elizabeth Lourens
Author-X-Name-First: Melanie Elizabeth
Author-X-Name-Last: Lourens
Author-Name: Arup Roy Chowdhury
Author-X-Name-First: Arup Roy
Author-X-Name-Last: Chowdhury
Author-Name: Sammaiah Buhukya
Author-X-Name-First: Sammaiah
Author-X-Name-Last: Buhukya
Author-Name: Brijesh Goswami
Author-X-Name-First: Brijesh
Author-X-Name-Last: Goswami
Author-Name: Shivinder Phoolka
Author-X-Name-First: Shivinder
Author-X-Name-Last: Phoolka
Author-Name: Shruti Sharma
Author-X-Name-First: Shruti
Author-X-Name-Last: Sharma
Title: Business intelligence in human management strategies during COVID-19
Abstract:
The spread of COVID-19 results in disruption, uncertainty, complexity, and ambiguity in all businesses. Employees help companies achieve their aims. To manage human resources sustainably, analyse organisational strategy. This thorough research study attempts to find previously unidentified challenges, cutting-edge techniques, and surprising decisions in human resource management outside of healthcare organisations during the COVID-19 pandemic. The narrative review examined corporate human resource management measures to mitigate COVID-19. Fifteen publications were selected for the study after removing duplicates and applying the inclusion and exclusion criteria. This article examines HR's COVID-19 response. Human resource management's response to economic and financial crises has been extensively studied, but the COVID-19 pandemic has not. This paper reviewed the literature to reach its goal. The results followed the AMO framework for human resource policies and procedures and the HR management system. This document suggests COVID-19 pandemic-related changes to human resource management system architecture, policies, and practises. The study created a COVID-19 pandemic human resource management framework based on the literature. The COVID-19 pandemic had several negative effects, including social and behavioural changes, economic shock, and organisational disruption.
Journal: Int. J. of Electronic Finance
Pages: 477-493
Issue: 4
Volume: 13
Year: 2024
Keywords: negative outcomes; business intelligence; human resource management; pandemic; contagious illness; SARS-CoV-2; unexpected global problems; COVID-19; novel coronavirus; creative HR approach; human management.
File-URL: http://www.inderscience.com/link.php?id=141728
File-Format: text/html
File-Restriction: Access to full text is restricted to subscribers.
Handle: RePEc:ids:ijelfi:v:13:y:2024:i:4:p:477-493

Template-Type: ReDIF-Article 1.0
Author-Name: Harish Kumar
Author-X-Name-First: Harish
Author-X-Name-Last: Kumar
Author-Name: Rajni Sofat
Author-X-Name-First: Rajni
Author-X-Name-Last: Sofat
Title: Analysing consumer behaviour by integrating digital payment awareness into the UTAUT model
Abstract:
Currently, the market is flooded with internet-based services, including digital payment. The study examines the impact of performance expectancy, effort expectancy, social influence, facilitating conditions, and digital payment awareness on behavioural intention and consumer buying behaviour. It also investigates mediating role of behavioural intention between independent and dependent variables. Surveys were used to learn about digital payment patterns in Uttarakhand, India. We used SmartPLS-3.0 to test hypotheses. Overall, performance expectancy, effort expectancy, social influence, facilitating conditions, and digital payment awareness favourably affected customer buying behaviour. However, behavioural intention partially mediated the link between performance expectancy, social influence, facilitating conditions, and consumer buying behaviour, and fully mediated the relationship between effort expectancies, digital payment awareness, and consumer buying behaviour. The results of this study could help fintech companies, banks, payment gateways, and governments build user-friendly technological improvements, regulatory rules, and frameworks to make digital payments better and more accessible for everyone.
Journal: Int. J. of Electronic Finance
Pages: 139-167
Issue: 2
Volume: 13
Year: 2024
Keywords: digital payment; UTAUT model; digital payment awareness; DPAW; buyer intention; consumer buying behaviour; CBB.
File-URL: http://www.inderscience.com/link.php?id=137633
File-Format: text/html
File-Restriction: Access to full text is restricted to subscribers.
Handle: RePEc:ids:ijelfi:v:13:y:2024:i:2:p:139-167

Template-Type: ReDIF-Article 1.0
Author-Name: Susovon Jana
Author-X-Name-First: Susovon
Author-X-Name-Last: Jana
Author-Name: Krishna Dayal Pandey
Author-X-Name-First: Krishna Dayal
Author-X-Name-Last: Pandey
Author-Name: Tarak Nath Sahu
Author-X-Name-First: Tarak Nath
Author-X-Name-Last: Sahu
Title: An application of ADCC-GARCH and wavelet coherence to explore connectedness between stock markets and cryptocurrencies
Abstract:
The current study aims to explore the dynamic connectedness between stock and cryptocurrency markets and to determine the role of cryptocurrencies in the stock market as a hedge, diversifier, or safe haven. The study uses daily data of four stock indices and six cryptocurrencies, covering a period of January 2016 to December 2022. The analysis is conducted using the ADCC-GARC method with the wavelet coherency. The results indicate both stock and cryptocurrency markets exhibit long-run volatility persistence. The properties of Bitcoin, Ethereum, Binance Coin, Dogecoin, and Ripple vary between a range of hedges and diversifiers in different stock markets, which can change depending on market circumstances. However, only Tether has shown that it can act as a safe haven investment in all studied stock markets over time.
Journal: Int. J. of Electronic Finance
Pages: 168-195
Issue: 2
Volume: 13
Year: 2024
Keywords: cryptocurrency; diversification; hedge; safe haven; wavelet coherence; ADCC-GARCH.
File-URL: http://www.inderscience.com/link.php?id=137634
File-Format: text/html
File-Restriction: Access to full text is restricted to subscribers.
Handle: RePEc:ids:ijelfi:v:13:y:2024:i:2:p:168-195

Template-Type: ReDIF-Article 1.0
Author-Name: Mohit Saini
Author-X-Name-First: Mohit
Author-X-Name-Last: Saini
Author-Name: Mahender Yadav
Author-X-Name-First: Mahender
Author-X-Name-Last: Yadav
Author-Name: Vaibhav Aggarwal
Author-X-Name-First: Vaibhav
Author-X-Name-Last: Aggarwal
Title: Russia-Ukraine war: impacts on major stocks and oil markets
Abstract:
This study examines the impact of the Russia-Ukraine war on the top ten stock markets, along with Russian markets and oil markets. The event study methodology is employed to examine the abnormal returns, and later results' robustness is tested by non-parametric tests. The first finding is that European markets are worst hit by war. Second, US markets generated significant upside abnormal returns. Third, Asian markets are the least affected. Interestingly despite sanctions, Russian markets gave maximum positive cumulative abnormal returns for ten days post the event day. Further, oil markets acted as an effective hedge on expected lines. This study implies that the investors may consider the southern nations to diversify the war risk since most wars that happened in the past were in the Middle East or European region. The southern hemisphere has less proximity and dependency on the Middle East and Europe.
Journal: Int. J. of Electronic Finance
Pages: 216-255
Issue: 2
Volume: 13
Year: 2024
Keywords: arm conflicts; war; stock markets; oil markets; Russia-Ukraine; top 10 countries.
File-URL: http://www.inderscience.com/link.php?id=137635
File-Format: text/html
File-Restriction: Access to full text is restricted to subscribers.
Handle: RePEc:ids:ijelfi:v:13:y:2024:i:2:p:216-255

Template-Type: ReDIF-Article 1.0
Author-Name: A. Martina Franciska
Author-X-Name-First: A. Martina
Author-X-Name-Last: Franciska
Author-Name: Soosainathan Sahayaselvi
Author-X-Name-First: Soosainathan
Author-X-Name-Last: Sahayaselvi
Title: The role of mediator variable in digital payments: a structural equation model analysis
Abstract:
The proliferation of technology and communication has resulted in increased digitalisation that includes digital payments. This study is aimed at unravelling the relationship between awareness of individuals about the digital payment system and customer satisfaction with digital payments. Two models were developed in this study. First model considers awareness → usage pattern → customer satisfaction. Second model considers usage pattern → customer satisfaction → perception of digital payments. These two alternative models were tested by collecting data from 507 respondents in southern India was analysed using the structural equation modelling. The results indicate that usage pattern acted as a mediator between awareness and satisfaction, and satisfaction acted as a mediator between usage pattern and consumers' perception of digital payments. The implications for theory and practice are discussed.
Journal: Int. J. of Electronic Finance
Pages: 440-452
Issue: 4
Volume: 13
Year: 2024
Keywords: electronic commerce; barter; structural equation model; digital age; usage pattern; awareness; perception and satisfaction about digital payments.
File-URL: http://www.inderscience.com/link.php?id=141733
File-Format: text/html
File-Restriction: Access to full text is restricted to subscribers.
Handle: RePEc:ids:ijelfi:v:13:y:2024:i:4:p:440-452

Template-Type: ReDIF-Article 1.0
Author-Name: Ayush Goel
Author-X-Name-First: Ayush
Author-X-Name-Last: Goel
Author-Name: Gurudev Sahil
Author-X-Name-First: Gurudev
Author-X-Name-Last: Sahil
Title: Growth of mobile applications and the rise of privacy issues
Abstract:
Mobile apps are used by more and more internet users for daily chores, but processing personal data with them poses a major security risk. The wide range of data and sensors in mobile devices, the use of different types of identifiers and the increased ability to monitor consumers, the complex mobile application ecosystem and application developer limitations, and the extensive use of third-party technologies and services, are the main risks. Privacy concerns extend beyond mobile users. Corporate executives need fast, global access to their database. White goods/smart building equipment suppliers offer mobile apps for remote use. This research study will integrate these concerns. Due to these factors, smartphone applications have struggled to enforce the General Data Protection Regulation's (GDPR) data protection rules. Mobile app designers and service providers may struggle to meet GDPR rules for data disclosure and permission, data protection by design and default, and operational secrecy.
Journal: Int. J. of Electronic Finance
Pages: 20-35
Issue: 1
Volume: 13
Year: 2024
Keywords: privacy of data; confidentiality in mobile applications; websites; Amazon; GDPR; application; aggregators.
File-URL: http://www.inderscience.com/link.php?id=135162
File-Format: text/html
File-Restriction: Access to full text is restricted to subscribers.
Handle: RePEc:ids:ijelfi:v:13:y:2024:i:1:p:20-35

Template-Type: ReDIF-Article 1.0
Author-Name: Arvinder Kaur
Author-X-Name-First: Arvinder
Author-X-Name-Last: Kaur
Author-Name: Pawan Kumar
Author-X-Name-First: Pawan
Author-X-Name-Last: Kumar
Author-Name: Sanjay Taneja
Author-X-Name-First: Sanjay
Author-X-Name-Last: Taneja
Author-Name: Ercan Ozen
Author-X-Name-First: Ercan
Author-X-Name-Last: Ozen
Title: Fintech emergence - an opportunity or threat to banking
Abstract:
Fintech introduced contemporary payment, lending, investment, and fund exchange methods through digital currency, crowd funding, peer-to-peer (P2P) lending, and blockchain. This paper investigates the transformation of banking services and the financial industry caused by Fintech. The study aims to describe how Fintech products revolutionise banking and lending services. It sheds insight on the evolution of Fintech throughout the previous 170 years and its rate of adoption level across the world. This paper scrutinises the level of magnitude with which Fintech innovations entail non-intermediated deals and contribute to increasing the productivity of mortgage lending, including peer-to-peer lending and crowd funding. Quantitative research is undertaken by collecting and analysing data from secondary sources on the adoption level of Fintech. The study's outcome reveals that the Fintech industry garnered the attention of all sectors of the economy. Banks are partnering with Fintech start-ups to enable cost and time effective financial services and reduce financial exclusion.
Journal: Int. J. of Electronic Finance
Pages: 1-19
Issue: 1
Volume: 13
Year: 2024
Keywords: Fintech; Bigtech; financial intermediation; P2P lending; crowdfunding; banking; digital finance.
File-URL: http://www.inderscience.com/link.php?id=135163
File-Format: text/html
File-Restriction: Access to full text is restricted to subscribers.
Handle: RePEc:ids:ijelfi:v:13:y:2024:i:1:p:1-19

Template-Type: ReDIF-Article 1.0
Author-Name: E. Sheela
Author-X-Name-First: E.
Author-X-Name-Last: Sheela
Author-Name: D. Jesura Pauline
Author-X-Name-First: D. Jesura
Author-X-Name-Last: Pauline
Title: Innovation performance through interaction and importance of cross performance appraisals
Abstract:
This research aims to uncover the primary factors affecting employees' learning cross performance appraisals in HR's organisation-focused activities and procedures. The report helps to analyse the essential components of performance reviews to boost an organisation's profit and acquires critical information on employee abilities, expertise, and overall work performance. The research also identifies why organisational profitability and HRM practices must understand the link between performance assessments and enhancing corporate earnings. Findings include the importance of job assessment and its function in improving organisational profitability, how a rise in performance evaluation implementation influences employee performance, and the goal of employee performance appraisal inside a corporation. The research also answers questions crucial to the report's admission. The study addressed traits, issues, and solutions. The only constraints were time and budget. According to research, performance appraisal is now integral to many organisations. The strategy helps HR determine how to develop an employee's weaknesses and strengths. The report highlights the necessity and influence of performance appraisals on employee and organisational learning cross performance.
Journal: Int. J. of Electronic Finance
Pages: 59-82
Issue: 1
Volume: 13
Year: 2024
Keywords: innovation performance through interaction; performance management; performance appraisal; learning cross performance; entrepreneurship; attitude; manager positions; reward systems; success factors; organisational learning.
File-URL: http://www.inderscience.com/link.php?id=135165
File-Format: text/html
File-Restriction: Access to full text is restricted to subscribers.
Handle: RePEc:ids:ijelfi:v:13:y:2024:i:1:p:59-82

Template-Type: ReDIF-Article 1.0
Author-Name: Sarita Yadav
Author-X-Name-First: Sarita
Author-X-Name-Last: Yadav
Author-Name: Pankaj Kumar
Author-X-Name-First: Pankaj
Author-X-Name-Last: Kumar
Title: Financial determinants of equity share pricing: evidence from BSE 100 Index
Abstract:
The aim of the study is to examine the impact of financial explanatory variables on the equity share price of companies listed on the Standard and Poor (S&P) BSE 100 Index. A secondary dataset of 16 financial variables is considered for 14 financial years from 2005-2006 to 2018-2019. Panel data regression analysis has been employed, and Hausman results indicated that the fixed effect model is appropriate over the random effect of seeing the impact. Further diagnostic testing revealed that panel data assumptions are violated hence cluster robust standard error test has been employed to correct the assumptions. Results revealed that among 16 financial variables, earning per share, price to book value, book value per share, and dividend per share have a significant positive impact on market price of equity shares, whereas the size of the firm, return on net worth, and dividend yield have shown significant negative impact.
Journal: Int. J. of Electronic Finance
Pages: 83-102
Issue: 1
Volume: 13
Year: 2024
Keywords: stock market; financial variables; equity market price; S&P BSE 100 Index.
File-URL: http://www.inderscience.com/link.php?id=135166
File-Format: text/html
File-Restriction: Access to full text is restricted to subscribers.
Handle: RePEc:ids:ijelfi:v:13:y:2024:i:1:p:83-102

Template-Type: ReDIF-Article 1.0
Author-Name: Raghad Jamalallail
Author-X-Name-First: Raghad
Author-X-Name-Last: Jamalallail
Author-Name: Tahar Tayachi
Author-X-Name-First: Tahar
Author-X-Name-Last: Tayachi
Author-Name: Ahmed BenSaïda
Author-X-Name-First: Ahmed
Author-X-Name-Last: BenSaïda
Title: Company online presence and its effect on stock returns
Abstract:
This paper investigates the relationship between stock prices and the online presence of companies. Mainly, we study the effect of the online presence of a company on its subsequent stock returns. Moreover, we examine the impact of companies' engagement efforts and the popularity of their search-engine keywords on their stock returns. Based on the companies listed on the Dow Jones industrial average index, results suggest that stock returns are impacted by a change in online presence, as measured by search volumes. Nevertheless, the online engagement efforts show no significant relationship with the stock returns.
Journal: Int. J. of Electronic Finance
Pages: 36-58
Issue: 1
Volume: 13
Year: 2024
Keywords: online presence; engagement efforts; stock returns; VAR model.
File-URL: http://www.inderscience.com/link.php?id=135167
File-Format: text/html
File-Restriction: Access to full text is restricted to subscribers.
Handle: RePEc:ids:ijelfi:v:13:y:2024:i:1:p:36-58