Forthcoming and Online First Articles

International Journal of Electronic Finance

International Journal of Electronic Finance (IJEF)

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International Journal of Electronic Finance (9 papers in press)

Regular Issues

  • Challenges in Teaching Finance in COVID era and the Remedies: Viewpoint from India   Order a copy of this article
    by N. Sivasankaran, Samit Paul 
    Abstract: COVID-19 crisis has compelled the world to experience and weigh the costs and benefits associated with countrywide lockdowns and domestic as well as international travel restrictions. One major development in this coping situation is online teaching, even in the context of business studies. In India, students join B-schools from different parts of the country including rural and remote geographic locations. Very few families of these areas have access to computer and internet facility. Hence, it is obvious that there lie unforeseen challenges faced by the finance educators of Indian B-schools in teaching on online mode. With the help of an anonymous case study followed by a simple survey, this study aims to highlight the issues related to learning finance using online platform in Indian B-schools in the COVID era and tries to offer possible remedies to such problems.
    Keywords: online; finance; case study; teaching; India.
    DOI: 10.1504/IJEF.2022.10047212
  • Role of Comparative Economic Benefits on Intention to Use E-Wallet: The Case in Malaysia   Order a copy of this article
    by Siti Aisah Bohari, Ruzita Abdul-Rahim, Aini Aman 
    Abstract: Two years into Malaysia's digital economy transformation plan, consumers' reliance on cash remains intact despite the tremendous responses on the supply side. This study aims to identify proactive measures that can help promote and accelerate mobile payment adoption by examining the antecedents of consumers' intention to use e-wallets at three stages: static, interaction, and transaction. The regression results from 1,147 consumers reveal that differentiating e-wallet usage into three functional services yields valuable insight. The UTAUT constructs are significant when explaining transactional functions, but only performance expectancy and social influence matter for static and interaction functions. Overall, comparative economic value (CEV) is more prevalent than UTAUT in explaining consumers' intention to use e-wallets, while the role of perceived trust is inconclusive. Since Malaysia's e-wallet industry is a small market with very stiff competition, the key players could use the results to promote their e-wallet services. The policymakers shall improve the regulations and legislation to enhance consumers' trust to induce more e-wallet subscriptions and expedite the country's transformation into a cashless economy.
    Keywords: comparative economic benefits; e-wallets; Malaysia; technology adoption; trust; UTAUT.

  • Does COVID-19 influence to reshape the banking habits of the individual? An empirical investigation   Order a copy of this article
    by Sudarshan Maity, Tarak Nath Sahu, Debasish Biswas 
    Abstract: The COVID-19 pandemic outbreak has generated anxieties in many sectors thereby shrinking the economy globally. The rigorous lockdown regulations in India affect all the aspects of the country’s economy at a galloping speed. The present study investigates how the pandemic changes the banking habits among people from physical mode to digital mode. The study takes into account 400 customers from West Bengal, India of different commercial banks. The study investigates the results with the application of Wilcoxon sign test, effect size test, Kruskal-Wallis test, etc. The study finds that there is a significant movement of change of banking habits from physical mode to digital mode during the pandemic time. Though the pandemic has not significantly changed the banking habits of rural and female customers and further digital banking acceptance are significantly differ among several age groups.
    Keywords: COVID-19; digital banking; branch banking; pandemic.
    DOI: 10.1504/IJEF.2022.10047622
  • Does Digitization Affect the Technical Efficiency of Indian Banks?   Order a copy of this article
    by Swati Chauhan, Sunil Kumar, Anshumita Singh, Manoj Kumar Jain 
    Abstract: This study aims to examine the impact of digitisation on the technical efficiency of Indian banks. It has sampled public and private sector banks from 2001 and 2019 and applied panel data regression to establish the relationship between variables. The results indicate that digitisation in the Indian banking sector has an overall negative impact on the technical efficiency of banks, and there is no problem of endogeneity between the variables. Further, the study has observed that the technical efficiency of private banks has improved more than the public sector banks over the years. Therefore, it contributes to the literature by stressing the adoption of digitisation by a majority of customers for better delivery of banking services because the low adoption rate is negatively affecting the efficiency of the banks. Future researchers can explore digitisation in India’s cooperative banks and microfinance institutions as they mainly serve the unbanked and rural areas.
    Keywords: digitisation; technical efficiency; public sector banks; private banks; panel data regression.
    DOI: 10.1504/IJEF.2022.10047865
  • Factors Impacting Adoption and Continuous Use of Contactless Digital Payments in New Normal   Order a copy of this article
    by Vidushi Vatsa, Bhawna Agarwal 
    Abstract: The study aims to determine factors impacting the behaviour of customers towards the adoption of contactless digital payments and their continuous use. In India, contactless digital payments are also on the rise, more so during the ongoing pandemic but the question arises, whether customers will continue its use even when COVID-19 recedes. Primary data was collected from 217 respondents in India, the theoretical model is based on TAM and the data was analysed using SPSS AMOS software. The study indicates that trust has a significant impact on perceived risk, but surprisingly the results from this study are significantly different from the existing literature and shows that trust does not have any positive impact on other constructs. Perceived risk has been shown in the study to have a negative impact on the constructs. Perceived usefulness has been shown to have a positive effect towards continuous intention to use contactless digital payments.
    Keywords: technology acceptance model; TAM; contactless digital payments; continuous intention to use; new normal.
    DOI: 10.1504/IJEF.2022.10048275
  • Effectiveness of Food Traceability System: Chinese Consumer Food Purchase Intention During the Pandemic   Order a copy of this article
    by Candy Lim Chiu, Manqi Li, Jason Lim Chiu 
    Abstract: During the COVID-19 pandemic, food safety scandals were common issues. This situation resulted in the rapid development of food traceability systems (FTS), which create transparency in tracking food products from manufacturing to consumption. So, this study empirically tests the elements of FTS by integrating the information system success model (ISSM) of DeLone and McLane on Chinese consumers’ intention to purchase food using an FTS during a pandemic outbreak. Also, this study shows the significant mediating effect of perceived value, perceived safety, and perceived health benefits between the quality perspective of ISSM and purchase intention (PUI) as the dependent variable. This study provides insights for the further development of food traceability technologies.
    Keywords: food traceability system; FTS; DeLone and McLane information system success model; food industry; COVID-19; purchase intention; PUI.
    DOI: 10.1504/IJEF.2023.10048535
  • Mapping social media in the Theoretical Field of Behavioural Finance: A Bibliographic Analysis   Order a copy of this article
    by Anantdeep Kaur, Atul Sheva 
    Abstract: In the last two decades, the field of social media research has grown tremendously, and the interest of academic scholars have very much encouraged in this field. Research on the influence of social media in the context of behavioural finance is being mapped out in this study. The research emphasises the contemporary fields of social media and behavioural finance by implementing bibliometric tools to identify substantial and significant omissions from the literature. The study retrieved 295 studies from the Web of Science database using keyword exploration. The analytic approaches have been implementing here, in the detection of prominent journals, plentiful writers, nations, and associations, thereby adding to the body of knowledge on social media and behavioural finance. Tools such as bibliographic coupling have applied to better understand the conceptual and intellectual framework. Finally, the directions of literature review study will serve as a guide for future research.
    Keywords: behaviour finance; social media; Web of Science; VOSviewer; bibliometric analysis.
    DOI: 10.1504/IJEF.2023.10049096
  • Role of Mobile Banking in Financial Inclusion: Evidence from Agri traders of India   Order a copy of this article
    by SONAL RAINA TIKKU, Anjani Kumar Singh 
    Abstract: Financial inclusion is the driving force for growth in emerging markets of the world. It boosts the process of development and poverty alleviation for any economy. Most of the banks utilise an expensive brick and mortar model; therefore, mobile banking can act as a facilitator for financial inclusion in economic manner. This study identifies the factors effecting adoption of mobile banking among agri traders in wholesale commodity markets of India. It also explores the challenges faced by them, in mobile banking adoption. Structured questionnaires were used for primary data collection and the sample of 230 agri traders was analysed. Confirmatory factor analysis was done using SPSS 26 and for structural equation modelling Smart PLS3 was used. Empirical results of research show that perceived usefulness, ease of use and trust have significant and positive impact on behavioural intention towards mobile banking adoption among agri trader community of India. Social influence had no significant impact on behavioural intentions of the agri trader. Adoption of mobile banking by agri traders will pave the way forward for digital transformation of economy, leading to cashless economy and financial inclusion at grass root levels of society.
    Keywords: agri traders; behavioural intention; cashless economy; digitalisation; financial inclusion; financial literacy; India; mobile banking.
    DOI: 10.1504/IJEF.2023.10049280
  • Collaborate Attitudes And Perceived Usefulness To Increase The Intentions To Use Internet Banking   Order a copy of this article
    by Endang Siti Astuti 
    Abstract: The purpose of this study is to investigate how attitudes and intentions toward using internet banking are affected by perceived usefulness. In this study, a questionnaire survey was used. This study was conducted in an internet-enabled national banking institution in the province of East Java. The population of this study are the people who conducted transactions through the banks BCA, BNI, Mandiri, CIMB Niaga's internet banking in East Java region. This study discovered that all of the assessed hypotheses are significant. According to these findings, perceived usefulness have a significant effect on customer attitudes in using internet banking; Perceived usefulness have a significant effect on the intention to use internet banking; and Attitude has a significant effect on intention to use internet banking. The novelty of this research is merging of variables from Theory of Planned Behavior and variables from Theory Acceptance Model which produces a combined variable between them.
    Keywords: Attitudes; Perceived Usefulness; Intentions; Internet Banking.