Template-Type: ReDIF-Article 1.0 Author-Name: Timothy L. Urban Author-X-Name-First: Timothy L. Author-X-Name-Last: Urban Author-Name: Robert A. Russell Author-X-Name-First: Robert A. Author-X-Name-Last: Russell Title: Upselling at delivery Abstract: The COVID-19 pandemic has accelerated an already increasing migration from in-store to online shopping. For retailers with products conducive to upselling and cross-selling, this type of disruption can have a substantial impact on sales volume and revenue generation. One approach that has been proposed to improve a firm's resilience is to move up-/cross-selling efforts to the delivery personnel, since that is where direct contact with the customer occurs. Therefore, the purpose of this research is to formalise the 'driver becoming salesperson' strategy, and to integrate this concept with the routing of delivery vehicles for the most-efficient last-mile delivery. A mixed-integer formulation of the problem as well as bounds on the solution is provided. The resulting model is analysed with several solution procedures, a numeric experiment is conducted to illustrate the process of identifying potential upselling product to load onto the delivery vehicles, and managerial implications are presented. Journal: Int. J. of Revenue Management Pages: 1-32 Issue: 1 Volume: 14 Year: 2024 Keywords: retailing; last-mile delivery; upselling; cross-selling; pantry loading; vehicle routing; time windows. File-URL: http://www.inderscience.com/link.php?id=135962 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijrevm:v:14:y:2024:i:1:p:1-32 Template-Type: ReDIF-Article 1.0 Author-Name: T.S. Stanishkar Author-X-Name-First: T.S. Author-X-Name-Last: Stanishkar Author-Name: Akriti Sharma Author-X-Name-First: Akriti Author-X-Name-Last: Sharma Author-Name: K.V. Praveen Author-X-Name-First: K.V. Author-X-Name-Last: Praveen Title: Crop variety valuation for technology transfer through licensing: a systematic review Abstract: Poor valuation of crop varieties developed by research organisations and universities lead to windfall gains or abnormal losses in economic returns for different stakeholders in the tech-commercialisation chain. Most institutes follow thumb rules such as fixed rates based on crop type or fixed percentage of net present value to determine license fees. Hence, there is a paucity of scientific basis to validate the price or actual value of the crop variety developed through research. The research to develop a standardised framework for crop varieties valuation in the public system is also in its initial stage. This study aims to identify suitable techniques for the valuation of crop varieties through a systematic review of the extant literature. We studied the trends in the publications and the major approaches used in the literature. We identified the best-fit technology valuation methodologies for crop varieties by comparing the factors under consideration for valuation. A framework for crop variety valuation was developed by considering its variables and appropriate techniques to be applied. The study is the first of its kind and provides a critical review for developing crop variety valuation protocols by future researchers and university tech transfer offices for better crop variety commercialisation prospects. Journal: Int. J. of Revenue Management Pages: 54-71 Issue: 1 Volume: 14 Year: 2024 Keywords: crop variety; technology valuation; non-exclusive licensing; technology transfer; real options; university technology transfer. File-URL: http://www.inderscience.com/link.php?id=135963 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijrevm:v:14:y:2024:i:1:p:54-71 Template-Type: ReDIF-Article 1.0 Author-Name: Barkha Dhingra Author-X-Name-First: Barkha Author-X-Name-Last: Dhingra Author-Name: Mahender Yadav Author-X-Name-First: Mahender Author-X-Name-Last: Yadav Title: An empirical analysis of overconfidence behaviour in the Indian ETF market Abstract: One of the most notable advances in contemporary financial markets is the creation of exchange-traded funds (ETFs). The rising demand for this asset class may induce overconfidence in investors, which may endanger the stability of financial markets. Overconfidence bias is an inclination to overestimate one's own abilities and underestimate their error variance while valuing securities. The present study aims to investigate the presence of the overconfidence bias in the Indian ETF market using a sample of 12 equity ETFs in both pre and during the pandemic period. Vector autoregression (VAR) and impulse response functions (IRFs) are used to understand the relation between past returns and the current transaction volume of the data. The study found that investors in ETF markets are overconfident, even in the crisis phase. This study contributes by addressing the knowledge gap on the overconfidence bias in the Indian ETF market. It sheds light on how the Indian banking industry maintained its faith in the investors' lobby. The findings of this research study have implications for investors, asset management companies, regulators, and policymakers. Journal: Int. J. of Revenue Management Pages: 72-94 Issue: 1 Volume: 14 Year: 2024 Keywords: overconfidence; behavioural bias; behavioural finance; COVID-19; vector autoregression; impulse response function; IRF; exchange-traded funds; ETFs. File-URL: http://www.inderscience.com/link.php?id=135964 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijrevm:v:14:y:2024:i:1:p:72-94 Template-Type: ReDIF-Article 1.0 Author-Name: Khanh Hoang Author-X-Name-First: Khanh Author-X-Name-Last: Hoang Author-Name: Son Tran Author-X-Name-First: Son Author-X-Name-Last: Tran Author-Name: Dat Nguyen Author-X-Name-First: Dat Author-X-Name-Last: Nguyen Author-Name: Liem Nguyen Author-X-Name-First: Liem Author-X-Name-Last: Nguyen Title: Bank capital, institutional quality and bank stability: international evidence Abstract: This study investigates how capital and institutional quality are associated with bank stability using an aggregate dataset comprising 173 banking systems from 2002 to 2020. First, our study suggests that banks with higher capital tend to be more stable, supporting the moral hazard hypothesis. Second, institutional quality improves financial stability of banks, confirming the role of proper banking environment. We further examine how capital and institutional quality jointly affect banking stability, and find that better institutional quality allows capital to impose a more positive effect on bank stability. However, this relationship is more pronounced with banking systems having low capital, indicating that capital and institutional quality could substitute each other in enhancing bank stability when the former is strong enough. These results are robust to the use of alternative proxies for bank stability and capital. We provide several implications for relevant stakeholders to uphold bank stability. Journal: Int. J. of Revenue Management Pages: 33-53 Issue: 1 Volume: 14 Year: 2024 Keywords: institution quality; bank capital; bank stability. File-URL: http://www.inderscience.com/link.php?id=135965 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijrevm:v:14:y:2024:i:1:p:33-53 Template-Type: ReDIF-Article 1.0 Author-Name: Tam Phan Huy Author-X-Name-First: Tam Phan Author-X-Name-Last: Huy Author-Name: Yen Nguyen Ngoc Nhu Author-X-Name-First: Yen Nguyen Ngoc Author-X-Name-Last: Nhu Author-Name: Tuyen Vo Thi Kieu Author-X-Name-First: Tuyen Vo Thi Author-X-Name-Last: Kieu Author-Name: Duong Dinh Nguyen Khanh Author-X-Name-First: Duong Dinh Nguyen Author-X-Name-Last: Khanh Author-Name: Tuyet Pham Hong Author-X-Name-First: Tuyet Pham Author-X-Name-Last: Hong Author-Name: Kien Nguyen Huu Author-X-Name-First: Kien Nguyen Author-X-Name-Last: Huu Title: Digital transformation and bank performance: case of commercial banks in Vietnam Abstract: Digital transformation in the Vietnamese banking sector plays a crucial role in influencing bank performance. This research examines the impact of digital transformation through three key dimensions: strategic, business, and management transformation. Using regression models and data from annual reports, digital channels, and organisational restructuring metrics, the study reveals that strategic transformation - measured by the frequency of digital terms in reports - significantly enhances bank performance. However, business and management transformations did not show a statistically significant relationship. The findings suggest that aligning digital initiatives with core banking strategies is essential for achieving performance improvements. These insights provide valuable guidance for investors, managers, and policymakers navigating the digital transformation process in Vietnam's banking industry. Journal: Int. J. of Revenue Management Pages: 361-396 Issue: 4 Volume: 14 Year: 2024 Keywords: digital transformation; banks; Vietnam. File-URL: http://www.inderscience.com/link.php?id=143449 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijrevm:v:14:y:2024:i:4:p:361-396 Template-Type: ReDIF-Article 1.0 Author-Name: Indarti Diah Palupi Author-X-Name-First: Indarti Diah Author-X-Name-Last: Palupi Author-Name: Ainun Na'im Author-X-Name-First: Ainun Author-X-Name-Last: Na'im Title: Does earnings acceleration affect earnings management in different firm life cycle stages? Evidence from Indonesia Abstract: This study investigates the relationship between earnings acceleration (EA) and earnings management (EM) at the firm life cycle stages. It is designed to analyse how variations in EA can influence different EM strategies. We use data from 629 non-financial firms listed on the Indonesia Stock Exchange from 2008 to 2022. The results show significant differences in EA and EM across the firm life cycle stages. Earnings acceleration affects accrual and real earnings management and expense shifting except revenue shifting. These findings imply that EM in the previous period can be the performance benchmark that drives EM for the current period. This study is the first to test the relationship between EA and EM within the firm life cycle stages. The EA variable is still limited in empirical research. However, it is well-considered in investment decisions. Journal: Int. J. of Revenue Management Pages: 397-431 Issue: 4 Volume: 14 Year: 2024 Keywords: accrual-based earnings management; classification shifting; earnings acceleration; EA; real earnings management; REM; firm life cycle; Indonesia. File-URL: http://www.inderscience.com/link.php?id=143450 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijrevm:v:14:y:2024:i:4:p:397-431 Template-Type: ReDIF-Article 1.0 Author-Name: Fouzia Alloul Author-X-Name-First: Fouzia Author-X-Name-Last: Alloul Author-Name: El Mehdi Ferrouhi Author-X-Name-First: El Mehdi Author-X-Name-Last: Ferrouhi Title: Macroeconomic indicators and stock market returns: a comparative analysis Abstract: This study examines the impact of five macroeconomic indicators - employment rate (EMR), foreign direct investment net inflows (FDI net inflows), gross domestic product growth (GDP growth), gross domestic product per capita (GDP per capita), and inflation rate (INFR) - on stock returns across developed, emerging, and frontier markets from 2002 to 2022. A PMG/panel ARDL approach, along with various testing methods including Pedroni panel cointegration tests, is employed to investigate the empirical evidence for both long-term and short-term associations between these macroeconomic indicators and stock returns. The empirical results indicate a statistically significant long-term causal relationship between the macroeconomic indicators and stock returns in developed, emerging, and frontier markets, except for GDP per capita and inflation rate in frontier markets. Additionally, a statistically significant short-term causal relationship is found between the macroeconomic indicators and stock returns in developed and frontier markets, with the exception of FDI net inflows in developed markets and employment rate, FDI net inflows, and GDP per capita in frontier markets. Journal: Int. J. of Revenue Management Pages: 333-360 Issue: 4 Volume: 14 Year: 2024 Keywords: macroeconomic indicators; stock returns; panel data analysis; developed markets; emerging markets; frontier markets. File-URL: http://www.inderscience.com/link.php?id=143451 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijrevm:v:14:y:2024:i:4:p:333-360 Template-Type: ReDIF-Article 1.0 Author-Name: N. Sangeetha Author-X-Name-First: N. Author-X-Name-Last: Sangeetha Author-Name: Mohd Afjal Author-X-Name-First: Mohd Author-X-Name-Last: Afjal Author-Name: K. Geetha Author-X-Name-First: K. Author-X-Name-Last: Geetha Author-Name: R. Manigandan Author-X-Name-First: R. Author-X-Name-Last: Manigandan Author-Name: Keerthi Jain Author-X-Name-First: Keerthi Author-X-Name-Last: Jain Title: Green profits: examining the influence of environmental and economic concerns on renewable stock investment intention, with attitude as a mediator and green investment knowledge as a moderator Abstract: This study delves into the intricate dynamics shaping young investors' intentions in renewable energy stocks by scrutinising the impact of environmental concern (altruistic value) and economic concern (egoistic value). Additionally, the research examines how green investment knowledge moderates and attitudes mediate the shaping of renewable stock investment intentions. This study utilised a non-probability sampling technique. The data were collected through a structured questionnaire method. There are 256 responses for the data analysis, the data analysis through SMART PLS 4 software. While demonstrating significance in certain studies, economic concern (EC) did not attain statistical significance. EN and EC exhibited robust positive influences on the mediating factor ATT-RSII, along with ATT on RSII. This research significantly contributes to the realms of management, sustainable finance, and investor behaviour, offering actionable implications for financial advisors, investment firms, and policymakers. As the global financial landscape evolves, leveraging these managerial insights becomes imperative for steering towards a more sustainable and responsible investment future. Journal: Int. J. of Revenue Management Pages: 432-449 Issue: 4 Volume: 14 Year: 2024 Keywords: sustainable investments; young investors; altruistic value; egoistic value; green investment knowledge. File-URL: http://www.inderscience.com/link.php?id=143452 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijrevm:v:14:y:2024:i:4:p:432-449 Template-Type: ReDIF-Article 1.0 Author-Name: Jude Jegan Joseph Jerome Author-X-Name-First: Jude Jegan Joseph Author-X-Name-Last: Jerome Author-Name: Vandana Sonwaney Author-X-Name-First: Vandana Author-X-Name-Last: Sonwaney Author-Name: O.N. Arunkumar Author-X-Name-First: O.N. Author-X-Name-Last: Arunkumar Title: Enablers and barriers for supply chain finance investments in Pharma 4.0: a study in the Indian context using total interpretive structural modelling Abstract: In this study, we examine the conditions that surround the investment made into Pharma 4.0 by the supply chain finance institution. This study analyses the various enablers and barriers that would affect the implementation of Pharma 4.0, through the investment by an SCF institution, in the Indian pharmaceutical manufacturing firms. To establish the linkage between the factors, total interpretive structural modelling is used. MICMAC is used to prioritise the factors and develop suitable strategies. The findings show that a combined effort of all the stakeholders is required for eliminating the barriers to the implementation. The findings also give information about the various enablers that would help catalyse the adoption of Pharma 4.0. This study talks about how SCF investment, usually seen as a short-term investment, can be used with the long-term perspective to gain benefits and incentives through investment in Pharma 4.0 by properly monitoring and controlling the influencing factors. Journal: Int. J. of Revenue Management Pages: 95-126 Issue: 2 Volume: 14 Year: 2024 Keywords: supply chain finance; SCF; pharmaceutical industry; Pharma 4.0 adoption enablers and barriers; total interpretive structural model; total interpretive structural modelling; TISM; MICMAC. File-URL: http://www.inderscience.com/link.php?id=138707 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijrevm:v:14:y:2024:i:2:p:95-126 Template-Type: ReDIF-Article 1.0 Author-Name: O.N. Arunkumar Author-X-Name-First: O.N. Author-X-Name-Last: Arunkumar Author-Name: D. Divya Author-X-Name-First: D. Author-X-Name-Last: Divya Title: A review on supply chain finance: problem classification and future research agenda Abstract: The aim of this study is to categorise research on supply chain finance (SCF) based on primary ideas and techniques discussed in the literature and to suggest directions for further research. This study is based upon 139 papers published till 2nd November 2021 in international peer-reviewed elite journals. In this analysis, our initial step is to perform a thorough methodical review and diligent bibliometric analysis. We make additions to SCF research in a resulting manner. First, we classify the literature into nine problem classes based on different issues addressed in the papers. Second, we develop a framework showing research issues and outcomes of SCF. Third, we identify some research issues for future investigation. In this paper, we report a full summary of earlier research in SCF and point out the most significant topics that are relevant to be examined for further research. Journal: Int. J. of Revenue Management Pages: 150-202 Issue: 2 Volume: 14 Year: 2024 Keywords: supply chain finance; SCF; bibliometric analysis; review; methodology. File-URL: http://www.inderscience.com/link.php?id=138727 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijrevm:v:14:y:2024:i:2:p:150-202 Template-Type: ReDIF-Article 1.0 Author-Name: Diwahar Nadar Author-X-Name-First: Diwahar Author-X-Name-Last: Nadar Author-Name: Pranav Prakash Author-X-Name-First: Pranav Author-X-Name-Last: Prakash Title: Performance of quality investing during the pandemic in India Abstract: Studies have confirmed that quality stocks possess traits which allow them to yield superior returns. The study aims to critically test the idea by evaluating the performance of quality investing strategy in the Indian market during the COVID-19 crisis. To achieve the objective, six portfolios were created and rebalanced based on six key quality tools and another set of six portfolios was also created to reflect quality-value combined strategy. Portfolio performance was assessed using various risk/return metrics, assessing immediate impact using event study methodology and assessing causal impact by using Granger's causality. The results indicate that quality and quality-value strategies are impacted by the pandemic shocks but specific strategies can persevere. Q score and ROIC are suitable for quality investing in the Indian market. The use of these strategies in the Indian market can play a pivotal role in the growth of passive investing. Journal: Int. J. of Revenue Management Pages: 127-149 Issue: 2 Volume: 14 Year: 2024 Keywords: quality investing; COVID-19; value investing; event study; granger causality; portfolio; performance. File-URL: http://www.inderscience.com/link.php?id=138733 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijrevm:v:14:y:2024:i:2:p:127-149 Template-Type: ReDIF-Article 1.0 Author-Name: Cuong Nguyen Thanh Author-X-Name-First: Cuong Nguyen Author-X-Name-Last: Thanh Author-Name: Tam Phan Huy Author-X-Name-First: Tam Phan Author-X-Name-Last: Huy Author-Name: Anh Nguyen Nhat Author-X-Name-First: Anh Nguyen Author-X-Name-Last: Nhat Title: Investor sentiments and Fama-French five-factor in Vietnam market Abstract: This study seeks to expand the traditional Fama-French five-factor model by incorporating a sentiment factor, specifically focusing on the Vietnamese stock market, and to leverage a comprehensive dataset that spans initial public offerings (IPOs) until the end of 2022 from both the Hanoi Stock Exchange (HNX) and the Ho Chi Minh Stock Exchange (HOSE), capturing a diverse set of industries and the dynamic nature of this emerging market. The main objective is to ascertain the incremental explanatory power of an accrual-based sentiment factor within the Fama-French five-factor framework. The findings indicate a significant role of the sentiment factor across portfolios characterised by high accruals, large size, high value, low profitability, and high investment. The results contribute to the literature on asset pricing by validating the relevance of sentiment as an extension to the Fama-French model, especially in emerging markets such as Vietnam. This research thus highlights the necessity of considering sentiment analysis in the investment decision-making process and provides important implications for investors, financial practitioners, and policy makers. Journal: Int. J. of Revenue Management Pages: 203-220 Issue: 2 Volume: 14 Year: 2024 Keywords: Fama-French five factors; investor sentiment. File-URL: http://www.inderscience.com/link.php?id=138734 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijrevm:v:14:y:2024:i:2:p:203-220 Template-Type: ReDIF-Article 1.0 Author-Name: Precious Nyondo Author-X-Name-First: Precious Author-X-Name-Last: Nyondo Author-Name: Roshna Varghese Author-X-Name-First: Roshna Author-X-Name-Last: Varghese Title: Forecasting natural rubber prices using commodity market indicators: a machine learning approach Abstract: Natural rubber is an essential raw material in sectors such as automotive, construction, healthcare and manufacturing. Volatility in natural rubber prices can have a long-run impact on rubber growers and rubber-based industries. This study develops and compares different forecasting models of natural rubber prices based on machine learning algorithms - support vector machine (SVM), artificial neural networks (ANNa), k-nearest neighbours (KNNs), random forest (RF) and decision tree - along with the traditional forecasting ARIMAX method. Natural rubber price forecasting models are developed using a set of explanatory commodity market indicators encompassing macroeconomic factors, demand and supply factors and price of related commodities. Based on our results, we propose a forecasting model of natural rubber prices employing random forest algorithm, which outperformed the other machine learning algorithms in its predictive capabilities. This paper makes substantial contributions to policymakers, businesses and rubber growers in making informed decisions and managing price risk in the natural rubber sector. Journal: Int. J. of Revenue Management Pages: 221-252 Issue: 3 Volume: 14 Year: 2024 Keywords: natural rubber; commodity market indicators; price forecasting; machine learning; support vector machine; SVM; artificial neural networks; ANN; k-nearest neighbours; KNN; random forest; decision tree; ARIMAX. File-URL: http://www.inderscience.com/link.php?id=142325 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijrevm:v:14:y:2024:i:3:p:221-252 Template-Type: ReDIF-Article 1.0 Author-Name: Shahwar Khan Author-X-Name-First: Shahwar Author-X-Name-Last: Khan Author-Name: Vikas Singh Author-X-Name-First: Vikas Author-X-Name-Last: Singh Title: Tax systems in India: potency of GST on work contract and real estate sector Abstract: In India, the real estate sector is prosperous but due to multiple taxes, business in this sector is becoming problematic. This study shows the GST impact on the work contract and real estate sector in India which is still unexplored due to advanced development of GST. This research examine the complexity of tax and construction costs before and after the implementation of GST. This study is based on secondary data and different descriptive statistics have been used for analysis. The study revealed that the construction capital cost has been mostly affected by land acquisition and building materials by the implementation of GST, which led to increased property prices. It is concluded that the GST has a positive impact on the work contract and real estate sector in India. The simplification of the tax structure has led to a reduction in the cost of properties. Journal: Int. J. of Revenue Management Pages: 253-263 Issue: 3 Volume: 14 Year: 2024 Keywords: goods and services tax; GST; real estate sector; work contract; tax base; Indian economy. File-URL: http://www.inderscience.com/link.php?id=142326 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijrevm:v:14:y:2024:i:3:p:253-263 Template-Type: ReDIF-Article 1.0 Author-Name: Wisdom Okere Author-X-Name-First: Wisdom Author-X-Name-Last: Okere Author-Name: Nkiruka Ifekwem Author-X-Name-First: Nkiruka Author-X-Name-Last: Ifekwem Author-Name: Imeokparia Lawrence Author-X-Name-First: Imeokparia Author-X-Name-Last: Lawrence Author-Name: Bamigbaiye-Elatuyi Omotola Author-X-Name-First: Bamigbaiye-Elatuyi Author-X-Name-Last: Omotola Author-Name: Abiola John Author-X-Name-First: Abiola Author-X-Name-Last: John Title: Unravelling the profit puzzle: how corporate governance shapes the success of Nigerian deposit money banks Abstract: Due to the prominent failures of significant financial companies during the last decade of the twentieth century, both regulators and investors have become more concerned with corporate governance regulations and guidelines. This study examined the impact of corporate governance on the market performance (TOBINQ) of listed deposit money banks in Nigeria. The study employed secondary data, descriptive and correlation analysis, Hausman test and panel ordinary least square regression analysis to achieve the research objective. The study revealed that corporate governance (board size, board independence, foreign directorship and board diligence) has a significant effect on the market performance of quoted deposit money banks in Nigeria. This study recommends that policymakers and regulatory agencies should work together to help banks boost their performance by promoting the establishment of an efficient system for CG disclosure. Journal: Int. J. of Revenue Management Pages: 264-279 Issue: 3 Volume: 14 Year: 2024 Keywords: sustainability; corporate governance; TOBINQ; financial institution; board diligence. File-URL: http://www.inderscience.com/link.php?id=142327 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijrevm:v:14:y:2024:i:3:p:264-279 Template-Type: ReDIF-Article 1.0 Author-Name: Reganti Lavanya Author-X-Name-First: Reganti Author-X-Name-Last: Lavanya Author-Name: Rajesh Mamilla Author-X-Name-First: Rajesh Author-X-Name-Last: Mamilla Title: Empowering economic growth: the mediating influence of financial decision making on financial literacy and perceived wealth creation among female IT professionals Abstract: The study examines the interplay between financial literacy, wealth creation, and financial decision making among 300 women working in Bengaluru's IT sector. Data were collected from the participants through a structured questionnaire, and analysis was conducted using Smart PLS 4 for structural equation modelling and SPSS for descriptive statistics. Results suggest that financial decision making mediates financial literacy and wealth creation. This indicates that individuals with higher financial literacy levels tend to make more informed decisions, leading to increased wealth accumulation. Additionally, a positive correlation was observed among financial literacy, wealth creation, and financial decision making, underscoring the importance of promoting financial literacy programs, particularly among women in the IT sector, to enhance informed decision making and facilitate wealth creation. These findings hold significant implications for policymakers, financial institutions, and individuals aiming to strengthen their financial well-being. Journal: Int. J. of Revenue Management Pages: 280-311 Issue: 3 Volume: 14 Year: 2024 Keywords: financial decision making; financial literacy; financial well-being; IT sector; wealth creation; working women. File-URL: http://www.inderscience.com/link.php?id=142328 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijrevm:v:14:y:2024:i:3:p:280-311 Template-Type: ReDIF-Article 1.0 Author-Name: Chung-Chu Liu Author-X-Name-First: Chung-Chu Author-X-Name-Last: Liu Author-Name: Chia-Hsiang Wang Author-X-Name-First: Chia-Hsiang Author-X-Name-Last: Wang Author-Name: Chia-Ni Liu Author-X-Name-First: Chia-Ni Author-X-Name-Last: Liu Title: Research on the types of motivations for robo-advisor financial management using Q method Abstract: In today's financial sector, a substantial integration and application of information technology is underway. The asset management firms seeking to meet the diverse needs of their client base are actively promoting robo-advisor services. A robo-advisor offers numerous advantages: security, convenience, lower threshold, and dollar cost averaging. While a robo-advisor has gained significant traction abroad, Taiwan has started developing robo-advisor services relatively late. This study conducted a survey, and 31 samples were collected. The Q method was used to analyse those samples. The results of the samples were divided into four types such as: 1) intuitive interface and brand trust; 2) balanced consideration; 3) low threshold and time-saving; 4) safe and effortlessness. Finally, suggestions have been made to the enterprise based on the classification results to accelerate the promotion of robo-advisors. The expectation is that the general public can access professional financial advisory services, regardless of individual wealth levels. Journal: Int. J. of Revenue Management Pages: 312-332 Issue: 3 Volume: 14 Year: 2024 Keywords: technology acceptance model; TAM; innovation diffusion theory; IDT; robo-advisor; Q methodology. File-URL: http://www.inderscience.com/link.php?id=142329 File-Format: text/html File-Restriction: Access to full text is restricted to subscribers. Handle: RePEc:ids:ijrevm:v:14:y:2024:i:3:p:312-332