Template-Type: ReDIF-Article 1.0
Author-Name: Chi Aloysius Ngong
Author-X-Name-First: Chi Aloysius
Author-X-Name-Last: Ngong
Title: Crypto currency and economic growth in Nigeria
Abstract:
This study investigates the link between crypto currencies and economic growth from 2012Q1 to 2019Q4. GDP per capita measures economic growth. Bitcoin transactions volume, private sector credit and foreign direct investment measured currency circulation using Engle-Granger residual co-integration, fully modified OLS, dynamic OLS and conical co-integration regression. Results unveil long-term relationship between crypto currencies and economic growth. The findings indicate a negative long-run association between LNBVT and GDP. The Central Bank of Nigeria and government should improve the legal system to regulate crypto currencies transactions. This research suggests implementation of effective laws on crypto currencies transactions to limit crypto currencies' negativities in the global economy. This is possible if the crypto currencies' developers create geographically delimited or encrypted protocols. This study recommends that all economic actors should be open-minded towards technological innovations. The suggested policies would improve crypto currency acceptance in the economies globally. The authorities should regulate crypto currencies' usage and security from illegal activities.
Journal: Int. J. of Electronic Finance
Pages: 1-21
Issue: 1
Volume: 14
Year: 2025
Keywords: crypto currency; economic growth; fully modified OLS; FMOLS; dynamic OLS; DOLS; conical co-integration regression; CCR; Nigeria.
File-URL: http://www.inderscience.com/link.php?id=143231
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Handle: RePEc:ids:ijelfi:v:14:y:2025:i:1:p:1-21
Template-Type: ReDIF-Article 1.0
Author-Name: V. Sadhishkumar
Author-X-Name-First: V.
Author-X-Name-Last: Sadhishkumar
Author-Name: P. Uma Swarupa
Author-X-Name-First: P. Uma
Author-X-Name-Last: Swarupa
Title: Analysis of the specified paint company's financial performance together with the impact on stock liquidity
Abstract:
The study examined the paint manufacturer's stock price-liquidity correlation. Choosing the best model and forecasting paint company stock values are financial decisions. Yahoo Finance and Money Control were examined. Demand and supply set prices in open markets. Equilibrium explains stock markets. The top three NSE India-listed paint companies by market cap were examined. Shorting equities reduces market activity, influencing shareholder sentiment and liquidity. This cubic regression model study measures investor sentiment. According to studies, optimistic investors boost market liquidity. Margin trading dampens investor mood and market liquidity. Cognitive data limits market liquidity. Explosive data enhances liquidity in bull markets, decreases it in bear markets, and has no influence when startled. March 2017-February 2022 data was collected monthly. Liquidity does not affect paint makers' stock prices. The cubic regression equation accurately forecasted paint company stock values. The regression equation predicted that AKZOINDIA would trade for 1,912.40, 1,960.45, 1,918.48, 1,872.30, and 1,821.78 Indian rupees in March, April, May, June and July. ASIAN PAINTS may trade for 3,203.00, 3,614.16, 3,714.51, 3,817.38, and 3,922.81 rupees. BERGER PAINT may trade for 736.80, 788.94, 788.67, 787.18, and 784.41 Indian rupees.
Journal: Int. J. of Electronic Finance
Pages: 106-123
Issue: 1
Volume: 14
Year: 2025
Keywords: liquidity; stock performance; stock market liquidity; investment and expense; microeconomic; global reactions; liquidity traders; financial ratios.
File-URL: http://www.inderscience.com/link.php?id=143232
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Handle: RePEc:ids:ijelfi:v:14:y:2025:i:1:p:106-123
Template-Type: ReDIF-Article 1.0
Author-Name: Jaspreet Kaur
Author-X-Name-First: Jaspreet
Author-X-Name-Last: Kaur
Author-Name: Nitin Pathak
Author-X-Name-First: Nitin
Author-X-Name-Last: Pathak
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: Understanding the trend and GAP of studies related to the banks' financial performance: a review of the literature using bibliometric as well as thematic analysis
Abstract:
The financial performance of banks has been a very eye-catching topic for researchers since the 19th century. This research covers years from 2012 to 2021. This was a period when the pandemic happened and during that period, the functional environment of the banking sector was entirely changed from manual to digital. For extracting the results of this study, 5974 Scopus journals were selected, out of which 4,840 journals are in top-level journals. Then, based on the subject field of finance, business management, accounting, social sciences, and econometrics, 1,917 papers were extracted. Research has been conducted on the 1,917 papers, which are indexed in the Scopus database. Results reflect the countries which primarily did a study on this topic, identify the best journals that publish the research on this topic and even identify the basic keywords used by the various authors related to this topic. The study also identified top researchers associated with this area. Further, Thematic analysis was done to know about the future of the particular topic. Results of thematic analysis depict that profitability, credit risk, and commercial banks are the important themes that are niche covered by the researchers. So these fields required much consideration by the researchers for future research. As per the results, a new area for researchers is to find out the profitability of commercial banks through data envelopment analysis instead of benchmarking.
Journal: Int. J. of Electronic Finance
Pages: 83-105
Issue: 1
Volume: 14
Year: 2025
Keywords: biometric analysis; business management; finance; service sector; performance assessment.
File-URL: http://www.inderscience.com/link.php?id=143233
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Handle: RePEc:ids:ijelfi:v:14:y:2025:i:1:p:83-105
Template-Type: ReDIF-Article 1.0
Author-Name: Xiaoling Song
Author-X-Name-First: Xiaoling
Author-X-Name-Last: Song
Author-Name: Pei Peng
Author-X-Name-First: Pei
Author-X-Name-Last: Peng
Author-Name: Xuan Qin
Author-X-Name-First: Xuan
Author-X-Name-Last: Qin
Title: Research on the operational efficiency of Chinese fintech companies based on the DEA model
Abstract:
Fintech is important for China's 'new infrastructure' and for driving strategic innovation at the national level. Measurement systems are constructed considering cost income and company development. The DEA model is used to analyse the operating efficiency and slack variables of 55 listed fintech companies from 2014 to 2019. This paper distinguishes between the establishment years, enterprise attributes, and scale of companies. It concludes that companies with high establishment years are more efficient than those with low establishment years. The average comprehensive technical efficiency changes of non-state-owned enterprises are slightly higher than those with low establishment years. Non-SBM effective enterprises' investment redundancy indicators are total assets, payable employee compensation, and the number of employees, while insufficient output is reflected in net profit's indicator. Based on the research results, suggestions are made to promote the sustainable development of fintech in China, which is significant for the promotion of financial innovation in China.
Journal: Int. J. of Electronic Finance
Pages: 22-41
Issue: 1
Volume: 14
Year: 2025
Keywords: fintech; corporate operational efficiency; standard DEA model; dynamic DEA model; SBM-DEA model; slack variables; decision-making unit; DMU; establishment years; enterprise attributes; scale of companies.
File-URL: http://www.inderscience.com/link.php?id=143234
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Handle: RePEc:ids:ijelfi:v:14:y:2025:i:1:p:22-41
Template-Type: ReDIF-Article 1.0
Author-Name: Aslan Tleugaliyev
Author-X-Name-First: Aslan
Author-X-Name-Last: Tleugaliyev
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
Title: Oil price and profitability: evidence from Southeast Asian countries
Abstract:
The paper explores the influence of macroeconomic variables on the profitability of the aviation sector in the Southeast Asia region. The panel corrected standard errors (PCSE) regression model was employed for the period 2011-2019 on a sample of six countries (i.e., Indonesia, Malaysia, the Philippines, Singapore, Thailand and Vietnam). The results revealed the positive effect of an increase in inflation whereas increases in government expenditure, lending, interest rate, profit tax, and the 2014 year associated with the decline in global oil prices, exert a statistically negative influence on the financial performance of the aviation sector in Southeast Asia region. The effect of changes in oil prices and population growth, 2015-2016 years as the continuation of global oil prices decreases, is statistically insignificant. The paper contributes to the understanding of important economic factors affecting the financial performance of the aviation industry in Southeast Asian countries in light of the COVID-19 outbreak and for further development of the economic sector.
Journal: Int. J. of Electronic Finance
Pages: 67-82
Issue: 1
Volume: 14
Year: 2025
Keywords: oil prices; airlines; profitability; return on assets; ROA; panel corrected standard error; PCSE; panel data.
File-URL: http://www.inderscience.com/link.php?id=143235
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Handle: RePEc:ids:ijelfi:v:14:y:2025:i:1:p:67-82
Template-Type: ReDIF-Article 1.0
Author-Name: Shubhangi Agarwal
Author-X-Name-First: Shubhangi
Author-X-Name-Last: Agarwal
Author-Name: Bhawna Agarwal
Author-X-Name-First: Bhawna
Author-X-Name-Last: Agarwal
Author-Name: Ruchika Gupta
Author-X-Name-First: Ruchika
Author-X-Name-Last: Gupta
Title: A study on customer experience of using chatbots in banking sector with moderating role of age and gender
Abstract:
The purpose of the study is to propose an analytical framework by combining the ISS model, TAM model and customer experience to examine the impact of using chatbots on customer experience and customer satisfaction. The study also investigates the moderating role of demographics on customer experience. The present study considers chatbot as a form of information system, therefore the study proposes a framework based on information system (IS) success model, technology acceptance model (TAM). The survey method was conducted to collect the data from 325 users of banking chatbot and the proposed model was validated by using partial least square (PLS) techniques. The study concluded that information quality, system quality, service quality and perceived ease of use are significant drivers which influence customer experience and the latter affects customer satisfaction. The study also provided some key theoretical and managerial implications regarding customer experience of using banking chatbots. The study provides insight into a rapidly developing technology in banking industry. The primary value of this paper lies in examining the impact of factors on customer experience and examining moderating role of demographics (age, gender) variables.
Journal: Int. J. of Electronic Finance
Pages: 42-66
Issue: 1
Volume: 14
Year: 2025
Keywords: chatbots; banking industry; customer experience; customer satisfaction; Smart PLS; India.
File-URL: http://www.inderscience.com/link.php?id=143236
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Handle: RePEc:ids:ijelfi:v:14:y:2025:i:1:p:42-66
Template-Type: ReDIF-Article 1.0
Author-Name: Ahmad Yahiya Ahmad Bani Ahmad
Author-X-Name-First: Ahmad Yahiya Ahmad Bani
Author-X-Name-Last: Ahmad
Title: International Public Sector Accounting Standard adoption and compliance: implications on accounting transparency and quality in Jordan public sector
Abstract:
In order to evaluate the adoption and compliance with worldwide public sector accounting standards as well as their effects on accounting transparency and quality in the Jordanian public sector, research was undertaken. The study's population comprised all 250 Jordan's Ministry of Finance, employees. The research used a survey approach; 152 participants were randomly chosen from the pool. The respondents' responses were elicited using a standard questionnaire. Simple percentages and t-test analysis were used to gather and analyse the data. It was determined that the public sector's adoption of the international public sector accounting system would result in more open data, improve government accountability, and foster a better and more thorough decision-making process. The decision-makers, public sector accountants, the Jordan Ministry of Finance, and the Jordanian public sector are among the many parties to which this research is anticipated to be helpful. It was suggested that the government and authorities ensure that professional accountants have access to training facilities and materials on the idea of international public sector accounting and related concerns.
Journal: Int. J. of Electronic Finance
Pages: 124-138
Issue: 1
Volume: 14
Year: 2025
Keywords: public sector; accounting; standard; adoption; improvement; transparency and quality; Jordan Ministry of Finance; Jordan.
File-URL: http://www.inderscience.com/link.php?id=143239
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Handle: RePEc:ids:ijelfi:v:14:y:2025:i:1:p:124-138
Template-Type: ReDIF-Article 1.0
Author-Name: Shirley Leo Pereira
Author-X-Name-First: Shirley Leo
Author-X-Name-Last: Pereira
Author-Name: Jainambu Gani Abbas
Author-X-Name-First: Jainambu Gani
Author-X-Name-Last: Abbas
Author-Name: V. Mahalakshmi
Author-X-Name-First: V.
Author-X-Name-Last: Mahalakshmi
Title: Artificial intelligence in behavioural finance using a sophisticated decision-tree algorithm
Abstract:
Financial market statistics have been an essential part of the national economy due to their capacity to represent the state of the economy. Due to economic impact, the market failed. This paper introduces an automatic classification approach that detects cyber-bullying without requiring a high-dimensional space. We designed a text classification engine that pre-processes tweets, filters out environmental noise and extraneous information, recovers the chosen features, and classifications without overfitting the data. Due to this limitation, we proposed a sophisticated decision-tree algorithm (SDTA) for analysing the behaviour of financial marketing strategies by employing the artificial intelligence (AI) technique. The Morgan Stanley Capital International (MSCI) World Index-based data is initially gathered. Furthermore, the data is pre-processed using the normalisation technique. Then SDTA is proposed for predicting the behaviour of financial marketing. Moreover, optimisation is employed by utilising the particle swarm optimisation technique (PSO). The proposed method was compared to assess system efficiency. For this goal, feature extraction with the networking model may be suggested.
Journal: Int. J. of Electronic Finance
Pages: 180-193
Issue: 2
Volume: 14
Year: 2025
Keywords: financial market; national economy; sophisticated decision-tree algorithm; SDTA; artificial intelligence; AI; particle swarm optimisation technique; PSO.
File-URL: http://www.inderscience.com/link.php?id=145248
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Handle: RePEc:ids:ijelfi:v:14:y:2025:i:2:p:180-193
Template-Type: ReDIF-Article 1.0
Author-Name: Arti Gaur
Author-X-Name-First: Arti
Author-X-Name-Last: Gaur
Author-Name: Sanju Verma
Author-X-Name-First: Sanju
Author-X-Name-Last: Verma
Title: Factors affecting the adoption of e-payment systems in Haryana
Abstract:
The aim of the research is to discover how different factors and the adoption of e-payments relate to one another. A sample of 200 users was engaged using a developed questionnaire. The analysis of moment structure software was used to do confirmatory factor analysis and structural modelling studies. The data was determined to be internally consistent enough to measure each factor by exploratory factor analysis. Furthermore, confirmatory factor analysis of the data found no problems with convergent or discriminant validity. The research discovered that perceived trust, perceived risk, and attitude had a favourable and significant impact on the adoption of e-payment. However, hedonic motivation was positively but insignificantly correlated with the adoption of e-payment. Surprisingly, there was a negative and insignificant link between social influence and the adoption of e-payments. This study suggests that companies should use more diversified communication channels to promote e-payments among people of all ages. These findings offer significant assistance to service providers, investment firms, and governmental organisations as they develop plans to promote the use of e-payments.
Journal: Int. J. of Electronic Finance
Pages: 158-179
Issue: 2
Volume: 14
Year: 2025
Keywords: online payment; electronic payment; adoption; digital payment.
File-URL: http://www.inderscience.com/link.php?id=145251
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Handle: RePEc:ids:ijelfi:v:14:y:2025:i:2:p:158-179
Template-Type: ReDIF-Article 1.0
Author-Name: Narinder Kaur
Author-X-Name-First: Narinder
Author-X-Name-Last: Kaur
Author-Name: Shamily Jaggi
Author-X-Name-First: Shamily
Author-X-Name-Last: Jaggi
Author-Name: Harvinder Singh
Author-X-Name-First: Harvinder
Author-X-Name-Last: Singh
Title: Unearthing the impact of service quality on customer satisfaction and purchase intention in online meal delivery services
Abstract:
This research aims to increase awareness regarding the elements that affect service quality and how they affect the overall quality of service, customer satisfaction, and purchase intentions. The goal is to pinpoint the essential elements in determining how customers perceive and interact with a certain service. This investigation is based on prior work on the quality of service in online meal delivery services. The six service quality attributes framework that is most useful for predicting consumer behaviour is the subject of this study. With various e-service quality features, the outcome is anticipated to increase awareness about varied national cultures. The multiple regression technique was utilised to evaluate the research framework using data gathered from a survey of 313 online meal delivery services in Delhi-NCR. The investigation shows that security, dependability, assurance, application design, and food quality and hygiene greatly impact e-service quality. Traceability does not greatly affect e-service quality. Customer satisfaction, e-service quality, and purchase intention are significantly correlated. To guarantee measurement works across all service industries, future studies should include these criteria. Another online company may need a different scale. Future studies may use focus groups and interviews.
Journal: Int. J. of Electronic Finance
Pages: 194-213
Issue: 2
Volume: 14
Year: 2025
Keywords: online meal; delivery services; purchase intention; customer satisfaction; e-service quality; consumer behaviour; restaurant business; service industries.
File-URL: http://www.inderscience.com/link.php?id=145255
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Handle: RePEc:ids:ijelfi:v:14:y:2025:i:2:p:194-213
Template-Type: ReDIF-Article 1.0
Author-Name: P. Satheesh
Author-X-Name-First: P.
Author-X-Name-Last: Satheesh
Author-Name: P.R.L. Rajavenkatesan
Author-X-Name-First: P.R.L.
Author-X-Name-Last: Rajavenkatesan
Title: Employing legal interventions and policies for the comprehensive abolition of manual scavenging practices
Abstract:
Even after 74 years of independence and the enactment of the constitution of India, which is the highest law of the land and guarantees social justice and fundamental rights to every citizen of India, this is still a distant dream for some subsets of the people who make up society in India. Scavenging is caste-restricted. The Minister of Social Justice and Empowerment reported that 97% of manual scavengers are scheduled caste members, with rare exceptions (Ministry of Social Justice and Empowerment, 2021). Manual scavenging breaches human dignity and ethical employment. Hand-scavenging is one of the most inhumane jobs today and one of the oldest types of caste discrimination. Manual scavenging causes untouchability. This study focused on manual scavengers, who often laboured for life for little pay. Most must work for minimal pay or risk losing their jobs. The running competition says job loss is the worst fear. The Indian Constitution guarantees the right to employment, including decent labour. Everybody can work. No one can stop Indians from working in any legal field. Despite decades of legal and political efforts to stop it, lower-class individuals are exploited and degraded for profit.
Journal: Int. J. of Electronic Finance
Pages: 246-261
Issue: 2
Volume: 14
Year: 2025
Keywords: discrimination; freedom to work; government; judicial; manual scavengers; untouchability; ethical employment; railway administrations; fundamental sanitary.
File-URL: http://www.inderscience.com/link.php?id=145260
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Handle: RePEc:ids:ijelfi:v:14:y:2025:i:2:p:246-261
Template-Type: ReDIF-Article 1.0
Author-Name: Imtiaz Masroor
Author-X-Name-First: Imtiaz
Author-X-Name-Last: Masroor
Author-Name: Farzana Akther
Author-X-Name-First: Farzana
Author-X-Name-Last: Akther
Author-Name: Md. Noor Un Nabi
Author-X-Name-First: Md. Noor Un
Author-X-Name-Last: Nabi
Title: Factors influencing internet banking adoption during COVID-19: a comparative study among the selected public and private banks in Bangladesh
Abstract:
Though it is found that users are gradually shifting towards adopting internet banking, several factors create a strong barrier against it. This study is conducted to find out the factors that influence Bangladeshi bank users to adopt internet banking. There are seven factors taken into consideration and these were tested using non-parametric measures as the data collected using structured questionnaire from 150 respondents from six banks are found to be non-normal. This study found a statistically significant difference in all the seven factors among the six banks and between public and private banks taken in this study. This study provides a unique perspective on the factors affecting adoption of internet banking during COVID-19 pandemic. As the worldwide impact of this pandemic resulted in nationwide lockdown, people are induced to satisfy their banking needs online. This study provides a unique insight regarding the condition of online services provided by the banks in Bangladesh.
Journal: Int. J. of Electronic Finance
Pages: 139-157
Issue: 2
Volume: 14
Year: 2025
Keywords: internet banking adoption; emerging economies; Kruskal-Wallis H test; Mann-Whitney U test; Bangladeshi banks in COVID-19.
File-URL: http://www.inderscience.com/link.php?id=145265
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Handle: RePEc:ids:ijelfi:v:14:y:2025:i:2:p:139-157
Template-Type: ReDIF-Article 1.0
Author-Name: P. Maneesh
Author-X-Name-First: P.
Author-X-Name-Last: Maneesh
Author-Name: C.C. Shameem
Author-X-Name-First: C.C.
Author-X-Name-Last: Shameem
Author-Name: C. Muniyandi
Author-X-Name-First: C.
Author-X-Name-Last: Muniyandi
Title: Assessing the employment security of Sri Lankan Tamil camp living refugees in Tamil Nadu, India
Abstract:
Sri Lankan Tamil refugees are moping in refugee camps without protection for their fundamental rights, including the opportunity to work and increase financial autonomy, which is crucial to rebuilding their dignity and self-esteem after a terrible experience with their nation. Since India has not ratified any refugee convention or other international instrument, the best way to attribute to it a commitment to refugee rights is to widen universal human rights and worldwide humanitarian law to include refugee law and refugee protection. This study examines livelihood security for Sri Lankan Tamil refugees in India. One thousand camp-living refugees from Madurai, Tiruvallur, Erode, Tiruvannamalai, and Vellore were surveyed. The study indicated that refugees' economic conditions had not changed after three decades in the host country. Their refugee status limits their economic progress. Lack of livelihoods and constraints has slowed their development. 76.1% had trouble getting a work, while 23.9% did not. The camp's remote location affected 28.1% of respondents. The camps' remoteness and poor educational and skill levels reduce work stability. Refugees' labour boosts the host nation's economy. Refugees need improved policies and an unrestricted camp to live better.
Journal: Int. J. of Electronic Finance
Pages: 229-245
Issue: 2
Volume: 14
Year: 2025
Keywords: statelessness; landlessness; economic security; livelihood sustenance; local integration; refugee status; relief assistance; India.
File-URL: http://www.inderscience.com/link.php?id=145266
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Handle: RePEc:ids:ijelfi:v:14:y:2025:i:2:p:229-245
Template-Type: ReDIF-Article 1.0
Author-Name: K.S. Suryanarayana
Author-X-Name-First: K.S.
Author-X-Name-Last: Suryanarayana
Author-Name: V.S. Prasad Kandi
Author-X-Name-First: V.S. Prasad
Author-X-Name-Last: Kandi
Author-Name: K. Ravi Kiran Yasaswi
Author-X-Name-First: K. Ravi Kiran
Author-X-Name-Last: Yasaswi
Title: A study on unfolding asymmetric volatility in selected IT stocks in NSE
Abstract:
The day trading of Nifty Index futures uses the generalised autoregressive conditionally heteroscedastic (GARCH) model to determine volatility. Our study aims to assess the asymmetric volatility of historical data and forecast future volatility for a small number of carefully chosen giant IT stocks that have been included in the Nifty IT Index often over an extended time. Preliminary tests like the Ljung Box Test and the Lagrange multiplier test are used to get a clear picture of the volatility. The National Stock Exchange, a stand-in for the NSE, was studied for asymmetries. A prior study examined asset prices and volatility in the Indian stocks market. The investigation assessed volatility using asymmetry GARCH. The model limits volatility. EGARCH also captured asymmetric volatility. After determining volatility, the GARCH technique with the GARCH (1, 1) order is used to test statistically. As a result, the Nifty IT Index exhibits asymmetric volatility. This study shows that open interest has a smaller impact on volatility than volume and that noise trading occurs when there is a complete lack of bidirectional causality in any one occurrence.
Journal: Int. J. of Electronic Finance
Pages: 214-228
Issue: 2
Volume: 14
Year: 2025
Keywords: National Stock Exchange of India; information technology; daily returns volatility; Casula relation; generalised autoregressive conditionally heteroscedastic model; GARCH; asymmetric volatility.
File-URL: http://www.inderscience.com/link.php?id=145277
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Handle: RePEc:ids:ijelfi:v:14:y:2025:i:2:p:214-228
Template-Type: ReDIF-Article 1.0
Author-Name: V. Kaliyammal
Author-X-Name-First: V.
Author-X-Name-Last: Kaliyammal
Author-Name: P. Mohanasundaram
Author-X-Name-First: P.
Author-X-Name-Last: Mohanasundaram
Title: An empirical study on the perception and satisfaction of the policyholders towards health insurance
Abstract:
Health insurance generally delivers straight reimbursement to the sanitarium (cashless installation), repays the charges related to ail and grievances, or spends static assistance on the circumstance of an illness. The insurance content was substantially narrowed to life and automobiles. Service quality is judged by comparing consumer expectations with facility recital. The health plan specifies which medical bills will be covered in advance. Life insurance protects your family financially if the insured dies. Health insurance protects tone and family against financial disasters like death. A health guard policy's principal goal is to provide policyholders with a low-cost cash return in medical emergencies. It reduces emergency hospitalisation costs. Health insurance covers unexpected medical expenses. The demographics of Dharmapuri district health insurance policyholders reveal service quality and perception to investigate the insured's biggest health insurance business and agent difficulties. Secondary sources augmented primary data. The study used quarterly reports, websites, IRDA publications, periodicals, and journals for secondary data. Propionate stratified slice had 282 of 1,074 individuals. ANOVA, correlation, and descriptive statistics kept the analysis going.
Journal: Int. J. of Electronic Finance
Pages: 263-284
Issue: 3
Volume: 14
Year: 2025
Keywords: health insurance; sanitarium; quality of services; policyholders; hospitalisation; financial return; perception and satisfaction.
File-URL: http://www.inderscience.com/link.php?id=147215
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Handle: RePEc:ids:ijelfi:v:14:y:2025:i:3:p:263-284
Template-Type: ReDIF-Article 1.0
Author-Name: M. Jai Ganesh
Author-X-Name-First: M. Jai
Author-X-Name-Last: Ganesh
Author-Name: C. Rabbiraj
Author-X-Name-First: C.
Author-X-Name-Last: Rabbiraj
Title: Article 282 and Centrally Sponsored Scheme - a spring of federal strain
Abstract:
The financial transfers made by the federal government to the states serve as a major source of funding for Centrally Sponsored Schemes (CSSs). These programs, which were created and received some funding from the federal government, are implemented by the state governments. Budget estimates for 2021-2022 indicate that around 25% of the fiscal transfers to states will go to CSSs. However, it has been questioned whether Article 282's provisions regarding discretionary grants accord to the structure of the original constitution. The purpose of Article 282 was not to alter the Union's relationship with the states significantly. If that had been the plan, the complex ties between the shares, grants, and assignments would not have been necessary. It does not seem necessary for the centre to be able to assist the states through two separate articles (Articles 275 and 282), one through the Finance Commission and the other through executive authority. Even parliamentary legislation is not necessary for executive discretion. This empirical analysis reveals how CSSs and Article 282 undermine fiscal federalism in India.
Journal: Int. J. of Electronic Finance
Pages: 303-316
Issue: 3
Volume: 14
Year: 2025
Keywords: federalism; intergovernmental fiscal transfers; IGFTs; Planning Commission; discretionary grants; Article 282; Centrally Sponsored Schemes; CSSs; state government; fiscal federalism; social purpose.
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Handle: RePEc:ids:ijelfi:v:14:y:2025:i:3:p:303-316
Template-Type: ReDIF-Article 1.0
Author-Name: M.S. Shahina Begum
Author-X-Name-First: M.S. Shahina
Author-X-Name-Last: Begum
Author-Name: Densingh Joshua Israel
Author-X-Name-First: Densingh Joshua
Author-X-Name-Last: Israel
Title: Scroll to success: unveiling the impact of social media marketing on women's cosmetic product purchasing behaviour
Abstract:
As women's social involvement and employment have become more institutionalised, cosmetics have grown significantly as a form of self-expression and self-image projection. With the development of social media, businesses in the beauty industry now have a powerful tool for reaching their target market and promoting their goods. This study examines how social media marketing affects women's cosmetics purchasing decisions. The study focuses on Tamil Nadu's female internet shoppers who purchase cosmetics through social media or online retail websites. The findings of this study reveal several key insights regarding the impact of the social media platform, attribute (AT), satisfaction (SA), customer intention, and trust (TR) on the buying behaviour of women in the context of cosmetic product purchasing. Customer purchase intention (CPI) strongly predicts actual buying behaviour (BB), suggesting that effective marketing campaigns can stimulate favourable intentions and drive conversions. Customer intention, influenced by social media, was a weak predictor for actual purchasing behaviour. Customer satisfaction and customer intention were found to be significant predictors of actual shopping behaviour, whereas trust was found to play significant roles in shaping female consumers' purchasing decisions. This study provides valuable insights into how social media influences consumers' buying behaviour for cosmetic items.
Journal: Int. J. of Electronic Finance
Pages: 335-355
Issue: 3
Volume: 14
Year: 2025
Keywords: social media; consumer behaviour; cosmetic product; purchasing behaviour; buying behaviour; BB; customer intention; and trust; technology acceptance model; TAM.
File-URL: http://www.inderscience.com/link.php?id=147217
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Handle: RePEc:ids:ijelfi:v:14:y:2025:i:3:p:335-355
Template-Type: ReDIF-Article 1.0
Author-Name: Dhirendra Bahadur Singh
Author-X-Name-First: Dhirendra Bahadur
Author-X-Name-Last: Singh
Author-Name: Ravi Kumar Gupta
Author-X-Name-First: Ravi Kumar
Author-X-Name-Last: Gupta
Title: Effect of COVID-19 on migrant workers' income in India's manufacturing sector
Abstract:
India experienced a COVID-19 pandemic in January 2020, causing a 1.3 billion lockdown, severely impacting the migrant workers of the manufacturing sector, 122 million job losses, and a declining standard of living. This paper examines the economic vulnerability and the impact of COVID-19 on the income of internal migrant workers in manufacturing units in Uttar Pradesh, India. Data from 385 informal workers were collected, with 145 being in internal migration. The economic vulnerability of migrant workers lies in the manufacturing sector. More than 80% of migrant workers are at a high level of economic susceptibility. At the same time, the percentage of inter-state migrants is higher on the high level of the vulnerability index. Unemployment for more than six months was higher in intra-state migrants, and over half of the migrant workers were infected by the virus, resulting in daily wage losses. The study highlights the need for specific interventions to address these issues. Social protection systems, more job possibilities, equitable wages, and improved health and safety should all be priorities for policymakers.
Journal: Int. J. of Electronic Finance
Pages: 317-334
Issue: 3
Volume: 14
Year: 2025
Keywords: COVID-19; migrant workers; informal workers; income loss; economic vulnerability index; EVI; manufacturing sector.
File-URL: http://www.inderscience.com/link.php?id=147218
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Handle: RePEc:ids:ijelfi:v:14:y:2025:i:3:p:317-334
Template-Type: ReDIF-Article 1.0
Author-Name: Ahmad Y.A. Bani Ahmad
Author-X-Name-First: Ahmad Y.A. Bani
Author-X-Name-Last: Ahmad
Author-Name: Srinivas Kolachina
Author-X-Name-First: Srinivas
Author-X-Name-Last: Kolachina
Author-Name: Prasuna Sankar Kuragayala
Author-X-Name-First: Prasuna Sankar
Author-X-Name-Last: Kuragayala
Author-Name: E. Hymavathi
Author-X-Name-First: E.
Author-X-Name-Last: Hymavathi
Author-Name: Dilmurod Nasimov
Author-X-Name-First: Dilmurod
Author-X-Name-Last: Nasimov
Author-Name: Meeta Joshi
Author-X-Name-First: Meeta
Author-X-Name-Last: Joshi
Title: An investigation into the impact of human resource analytics on strategic decision making in the financial services industry
Abstract:
This research study intends to investigate how strategic decision-making in the Indian financial services sector in Guntur is affected by HR analytics. The study employs a quantitative research design and includes 88 HR professionals working in Guntur's banking and financial services industry as its sample size. Since the dawn of the 21st century, information technology, defined by electronation, technological advancement, and networking, has advanced swiftly worldwide. Technological innovation has already touched the economy and society, which has also altered the planet's political, social, cultural, and economic landscape. Data is collected via a questionnaire on HR analytics, strategic decision-making, and their effects. The study reveals that HR analytics improves financial services strategic decision-making. HR analytics enable data-driven hiring, training, and performance management decisions. HR analytics may also assist companies identify areas for improvement and implement adjustments to improve performance. This study strengthens the case for HR analytics in financial services. The report recommends HR analytics to improve strategic decision-making.
Journal: Int. J. of Electronic Finance
Pages: 285-302
Issue: 3
Volume: 14
Year: 2025
Keywords: human resources; HR; HR analytics; strategy; decision making; financial services; data management; talent evaluation; analytics in HR; channel management; application; big data analytics; business; outcomes; advantages; barriers; analytical tools.
File-URL: http://www.inderscience.com/link.php?id=147219
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Handle: RePEc:ids:ijelfi:v:14:y:2025:i:3:p:285-302
Template-Type: ReDIF-Article 1.0
Author-Name: Mohit Verma
Author-X-Name-First: Mohit
Author-X-Name-Last: Verma
Title: Meta-analysis of cryptocurrency adoption literature: an investigation of individual and contextual moderators
Abstract:
This paper synthesises the fragmented and conflicting findings of 29 quantitative studies on cryptocurrency adoption behaviour using a meta-analysis approach to generalise the hypothesised associations. Accordingly, the most significant antecedents of cryptocurrency adoption behaviour are perceived usefulness, ease of use, social influence, perceived behavioural control, attitude, trust and personal innovativeness. The moderator analysis confirms that the countries' cultural dimensions, economic development, and innovativeness level, impact conceptual relationships. Furthermore, the COVID-19 pandemic increased the magnitude of association between perceived usefulness, perceived risk, perceived behavioural control and behavioural intention. This study is one of the initial meta-analyses on cryptocurrency literature, aimed to advance the literature by adding a comprehensive understanding of antecedents that influence behavioural intention to adopt cryptocurrencies. The results of these studies have implications for both the academicians and as well as for the practitioners interested in promoting cryptocurrency and theoretical underpinning for future researchers.
Journal: Int. J. of Electronic Finance
Pages: 373-394
Issue: 3
Volume: 14
Year: 2025
Keywords: cryptocurrencies; technology acceptance model; meta-analysis; COVID-19; investors' behaviour.
File-URL: http://www.inderscience.com/link.php?id=147220
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Handle: RePEc:ids:ijelfi:v:14:y:2025:i:3:p:373-394
Template-Type: ReDIF-Article 1.0
Author-Name: Navjot Kaur
Author-X-Name-First: Navjot
Author-X-Name-Last: Kaur
Author-Name: Balwinder Singh
Author-X-Name-First: Balwinder
Author-X-Name-Last: Singh
Title: Dynamics of human capital investment and firm performance: MSMEs context
Abstract:
Given the importance of MSMEs to the Indian economy, this study explores the dynamic interdependency between human capital investment and firm performance in the context of the government of India's support for these businesses. A dataset of 42 Indian MSMEs from 2006 to 2020 is used in the analysis, which also uses impulse response analysis and panel vector autoregression (VAR). The empirical results show that investments in human capital (HC) have a negative effect on sales but a favourable effect on firm value. The Granger causality test also shows a bidirectional association between HC investment and company performance. The findings are analysed for theoretical, managerial, and policy implications. Human capital development can affect numerous performance indicators, thus organisations should carefully allocate resources for it. This data helps managers choose HC investment strategy. The Indian government should help MSMEs grow human capital to boost business value. MSMEs may benefit from information exchange, skill development, and training policies. The study's conclusion suggests further research on industry-specific moderators and how human capital investment influences business performance.
Journal: Int. J. of Electronic Finance
Pages: 356-372
Issue: 3
Volume: 14
Year: 2025
Keywords: human capital; investment; firm performance; micro, small and medium enterprises; endogeneity; panel vector auto regression; Tobin's Q; economic growth; capitalist accumulation; unification.
File-URL: http://www.inderscience.com/link.php?id=147221
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Handle: RePEc:ids:ijelfi:v:14:y:2025:i:3:p:356-372
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Author-Name: Chintha Sam Sundar
Author-X-Name-First: Chintha Sam
Author-X-Name-Last: Sundar
Author-Name: Vedala Naga Sailaja
Author-X-Name-First: Vedala Naga
Author-X-Name-Last: Sailaja
Title: Performance analysis and forecasting of selected large-cap, mid-cap and small-cap mutual funds
Abstract:
Mutual funds have risen significantly in the previous two decades. Recently increasing initiatives and finance have boosted Indian mutual fund schemes. Mutual funds have risen rapidly in the last two decades. Mutual funds are relevant in the global economy because of their unique edge over other investments. The Indian mutual fund business has grown due to increased initiatives and money mobilisation. Large-cap funds need more risk tolerance and longer trading horizons. Mid-cap mutual funds are unrestricted equity funds that invest at least 65% in mid-cap firm equities. Mid-cap companies attempt to balance risk and return and have growth potential compared to large caps due to investing in growth-stage firms. Unrestricted bond mutual funds that focus on small-cap equities are called small-size mutual fund managers. Thus, this study employs the ARIMA model to analyse the performance of 15 funds, 5 from each section, using returns (calculated from net asset values) data from December 2017 to December 2022. The funds' returns are expected from January through December 2023. The best big size, mid-cap, and small-cap funds, according to the analysis, have steady and greater returns.
Journal: Int. J. of Electronic Finance
Pages: 395-417
Issue: 4
Volume: 14
Year: 2025
Keywords: mutual funds; large-cap; mid-cap; small-cap; net asset value; ARIMA; growth-stage firms; Indian mutual fund.
File-URL: http://www.inderscience.com/link.php?id=149157
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Handle: RePEc:ids:ijelfi:v:14:y:2025:i:4:p:395-417
Template-Type: ReDIF-Article 1.0
Author-Name: Rachana Jaiswal
Author-X-Name-First: Rachana
Author-X-Name-Last: Jaiswal
Author-Name: Shashank Gupta
Author-X-Name-First: Shashank
Author-X-Name-Last: Gupta
Title: Global research trends on blockchain technology in finance: past, present and future
Abstract:
The intense interest that blockchain technology has ignited among academia and corporate leaders has spurred keen scrutiny of the finance industry's current knowledge. Nevertheless, the lack of a comprehensive evaluation of blockchain research in finance creates a void in the scholarly literature. This study utilises bibliometric analysis using VOSviewer, RStudio bibliometrix, and CiteSpace to scrutinise a sample of 1,065 Scopus-indexed publications meticulously. This study uncovers central themes and trends in blockchain research by identifying highly productive authors, influential nations, and impactful publications and utilising sophisticated techniques like burst detection and keyword-based cluster analysis. It underscores the immense potential of blockchain technology to revolutionise the financial industry and advance sustainable development goals. However, blockchain technology's complex policy and societal implications require collaboration among diverse stakeholders to ensure its benefits to society. Therefore, future research must prioritise exploring blockchain's potential to promote financial inclusion, innovation, transparency, accountability, and sustainable development.
Journal: Int. J. of Electronic Finance
Pages: 454-484
Issue: 4
Volume: 14
Year: 2025
Keywords: blockchain technology; finance; sustainable development goals; SDGs; financial inclusion; bibliometric analysis.
File-URL: http://www.inderscience.com/link.php?id=149158
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Handle: RePEc:ids:ijelfi:v:14:y:2025:i:4:p:454-484
Template-Type: ReDIF-Article 1.0
Author-Name: Nripendra Narayan Das
Author-X-Name-First: Nripendra Narayan
Author-X-Name-Last: Das
Author-Name: C. Sivashanmugam
Author-X-Name-First: C.
Author-X-Name-Last: Sivashanmugam
Author-Name: Sameer Shekhar
Author-X-Name-First: Sameer
Author-X-Name-Last: Shekhar
Title: A combined deep learning approach for fraudulent detection in the financial sector
Abstract:
One of the crucial topics in the banking sector is fraud detection (FD). The involvement of fraud has significantly increased as new technologies are introduced daily. The main reason why current algorithms cannot accurately identify fraud is because of ineffective feature learning and prediction methods. Most work only concentrated on a few parameters to identify fraud. In reality though, fraudsters quickly change their identities and other traits. By integrating the two data mining techniques of optimum feature learning (OFL) and precise classification methodologies, this research finds a solution to the issue. The tri-teaching learning (TTL) optimisation approach is used after the system initially gathers the financial data. Then, the fully recurrent neural network (FRNN) algorithm divides the data into legitimate and fraudulent categories. In trials, the proposed feature learning and deep detection methodology improves accuracy (around 98%), precision (93%), and recall (92%).
Journal: Int. J. of Electronic Finance
Pages: 502-523
Issue: 4
Volume: 14
Year: 2025
Keywords: fraud detection; data mining; deep learning; financial sector; feature extraction; fully recurrent neural network; FRNN; optimum feature learning; OFL; tri-teaching learning; TTL; quality education.
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Handle: RePEc:ids:ijelfi:v:14:y:2025:i:4:p:502-523
Template-Type: ReDIF-Article 1.0
Author-Name: Vicenta Li-Bardales
Author-X-Name-First: Vicenta
Author-X-Name-Last: Li-Bardales
Author-Name: Norma Ramirez-Asis
Author-X-Name-First: Norma
Author-X-Name-Last: Ramirez-Asis
Author-Name: Uvaldo Cuno-Chunga
Author-X-Name-First: Uvaldo
Author-X-Name-Last: Cuno-Chunga
Author-Name: Edwin Asnate-Salazar
Author-X-Name-First: Edwin
Author-X-Name-Last: Asnate-Salazar
Author-Name: Ursula Lezameta-Blas
Author-X-Name-First: Ursula
Author-X-Name-Last: Lezameta-Blas
Author-Name: Edwin Hernan Asis
Author-X-Name-First: Edwin Hernan
Author-X-Name-Last: Asis
Title: The effects of the COVID-19 epidemic on Peruvian nurses' occupational stress and quality of performance
Abstract:
This study examines job stress and nurse performance in the emergency department of the Uldarico Rocca Fernández Hospital in Villa El Salvador, Peru, during the COVID-19 pandemic. The study population's socio-demographic features and physical, social, and psychological stress levels were identified for this purpose. This was done using a quantitative, descriptive, cross-sectional study. Seventy-three nurses, 42 graduates and 21 assistants completed a 34-item questionnaire. We observed extra dangers for frontline nurses. We observed that personal COVID-19 experiences greatly affect medical status, corroborating earlier research. SPSS 26 statistically analysed data. The Uldarico Rocca Fernández Hospital in Villa El Salvador, Peru, accommodated 73 participants, 42 nursing graduates, and 21 nursing assistants. Research personnel report moderate stress in the first setting (52.10%), high stress in the second (87.50%), and low stress in the third compared to the physical environment (which generates the most stress) (56.30%). Men 21-30 and 41-50, married or divorced, auxiliary, and 26-30 years in the military have greater mild stress. COVID-19 nurses were less stressed, improving teamwork. All essential staff assured study participants' enthusiasm. The Villa El Salvador, Peru, Uldarico Rocca Fernández Hospital could benefit from similar investigations.
Journal: Int. J. of Electronic Finance
Pages: 485-501
Issue: 4
Volume: 14
Year: 2025
Keywords: COVID-19; quality of performance; nursing stress scale; job stress; multivariate examination of interaction; various psychological and sleep problems; stress levels among nurses; healthcare professionals.
File-URL: http://www.inderscience.com/link.php?id=149160
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Handle: RePEc:ids:ijelfi:v:14:y:2025:i:4:p:485-501
Template-Type: ReDIF-Article 1.0
Author-Name: J. Mahalakshmi
Author-X-Name-First: J.
Author-X-Name-Last: Mahalakshmi
Title: Is the right to health included in the right to access to adequate clean water? - A constitutional perspective on quality of life
Abstract:
Individual Mother Earth is the greatest gift from the universe since it offers many necessities for human survival, including commodities and services. The future of humanity depends on natural conservation. The priceless resource that sustains life is water. Even great civilisations have formed in Nile, Indus, Tigress, and other river valleys. Rapid urbanisation, industrialisation, and population growth degrade water supplies. The main cause of epidemics and viral fevers is water contamination. Typhoid fever, bacillary dysentery, gastroenteritis, cholera, and others are often caused by water pollution. Due to increasing urbanisation and industrialisation, water source contamination has become a major environmental pollution issue. However, the amount of water supplied is fixed, making water scarcity in quantity and quality serious. This study investigates the origins of water pollution generated by human exploitation in a limitless manner, focusing on hazardous bacteria, pathogens, and chemicals that cause serious health difficulties in drinking water. This article examines the concept of Right to Life under Article 21 and focuses on Right to Life in the context of Right to Health, which could be structured to enlarge to cover the Right to Adequate Access to Safe Drinking Water.
Journal: Int. J. of Electronic Finance
Pages: 418-431
Issue: 4
Volume: 14
Year: 2025
Keywords: health includes right; urbanisation and industrialisation; safe drinking water; population growth; human exploitation; hazardous bacteria; humane living; water and health protocol.
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Handle: RePEc:ids:ijelfi:v:14:y:2025:i:4:p:418-431
Template-Type: ReDIF-Article 1.0
Author-Name: S.P. Udhayakumar
Author-X-Name-First: S.P.
Author-X-Name-Last: Udhayakumar
Author-Name: M. Sivasubramanian
Author-X-Name-First: M.
Author-X-Name-Last: Sivasubramanian
Title: Develop a critical success factor framework for improving requirement elicitation impacting software quality management
Abstract:
The requirements engineering (RE) process is not specifically covered in any of the existing software process improvement (SPI) standards, which instead treat it as one of several activities that make up the entire development process. According to research, improving the RE process has to receive more attention if excellent software is to be produced. This research expanded the idea of crucial success elements in order to enhance the RE process (CSFs). Using the quantitative method, the survey has been conducted. Our findings demonstrate that the elements of the requirement elicitation process, like stakeholders' interest, stakeholder's knowledge, stakeholder's role, negotiation capacity, learning capacity, perceived utility factors, and semi-autonomous influence the quality of software development. Additionally, this study finds the moderating impact of communication skills on the relationship between the requirement elicitation process and Software quality development. Our findings also discussed that CSFs across practitioner groups share more characteristics than they do variances. It demonstrates that RE professionals are aware of the perception of IT employees towards the Requirement engineering for process improvement.
Journal: Int. J. of Electronic Finance
Pages: 432-453
Issue: 4
Volume: 14
Year: 2025
Keywords: requirement elicitation; software quality management; communication skill; quantitative method; stakeholder's knowledge; impact of communication skill; perception of IT.
File-URL: http://www.inderscience.com/link.php?id=149163
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Handle: RePEc:ids:ijelfi:v:14:y:2025:i:4:p:432-453