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 (5 papers in press)

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  • An automated credit intelligence learning system   Order a copy of this article
    by Tri Handhika, Siti Fatimah 
    Abstract: To accelerate the financial services, microfinance requires tools and technologies to provide an automated dynamic credit decision which leads to an accountable and efficient system. Considering a case on loan disbursement in the micro-business sector, this study presents a very comprehensive innovation, namely Automated Credit Intelligence Learning System (ACILES) which consists of dynamic credit scoring and optimal dynamic credit pricing: derived from tenor, rate, installment, and plafond (TRIP). While credit pricing is obtained from the profit based pricing and simulation process, the credit scoring is developed by modeling not only the borrowers profile, but also psychometric analysis of the perception of borrower and surveyor via Item Response model which is combined with Multivariate Adaptive Regression Splines (MARS) model and Structural Equation Modeling (SEM), respectively. By performing the experiment, it is clearly proved that ACILES can be implemented in order to augment microfinance business capacity.
    Keywords: automated; credit pricing; credit scoring; dynamic; learning system.

  • The Adoption of Digital Financial Inclusion in Developing Countries: A Systematic Literature Review   Order a copy of this article
    by Deepesh Ranabhat, Narinder Verma, Devesh Kumar, Hotniar Siringoringo 
    Abstract: This paper aims to provide a systematic literature review on the adoption of digital financial inclusion in developing countries. A total number of 93 papers from Scopus database for the period of 2015 to 2020 were selected. The selection was done by using the inclusion and exclusion criteria based on PRISMA framework. Descriptive analysis, citation analysis, keyword co-occurrence analysis and variable analysis were conducted in this study. This review highlights that the studies were mainly conducted in Asia and the study related to adoption of digital financial inclusion has been growing in recent years. The study finds perceived ease of use and perceived usefulness are the frequently used independent variables which had positive impacts on the adoption of digital financial inclusion. This paper contributes to understanding of the existing research on adoption of digital financial inclusion in developing countries and also to find the research gaps for further research.
    Keywords: digital financial inclusion; technology adoption; developing countries; digital banking; PRISMA; citation analysis.
    DOI: 10.1504/IJEF.2022.10043603
     
  • ASSESSING THE DETERMINANTS OF MICROFINANCE IN INDIA: A CASE STUDY OF THE JOINT LIABILITY GROUPS OF THE NORTHERN KARNATAKA REGION   Order a copy of this article
    by Anushree Kini, Shivshankar Patil 
    Abstract: One of the substantial challenges in ascertaining a sustainable financial system of the country is the inclusion of the marginalised and the underprivileged sections of society. Therefore, to serve the purpose, microfinance emerges as the key concept. Hence, this study attempts to address the feasibility of microfinance and joint liability group in India by investigating the antecedents and determinants of microfinance in the five districts (Dharwad, Gadag, Vijaypur, Bagalkot, and Belagavi) of the Northern Karnataka region. The study findings implicate that microfinance services of the SFBs had improved the socio-economic condition of the vulnerable population, predominantly the female. It has also resulted in enhancing the employment opportunities for the JLG members. However, the study finds a significant challenge of accessibility, affordability, and operational perspectives in delivering financial services to the JLG members. Henceforth, the study proposes the need-based planned implementation of microfinance in rural areas to achieve complete financial inclusion in India.
    Keywords: joint liability group; microfinance; small finance banks; women empowerment; India.
    DOI: 10.1504/IJEF.2022.10043949
     
  • Determinants of user’s behavioral intention to use Blockchain technology in the Digital banking services   Order a copy of this article
    by Anitha Kumari, N. Chitra Devi 
    Abstract: The growing popularity of blockchain applications in various sectors has widely been renowned as a pioneering technological innovation that can speed up many bursts of creativity and bring out an exceptional level of digital innovation. The adoption of IT, automation, and technological advancement has shown lethargy in the implementation of new technologies in developing economies. The objective is to examine users’ behavioural intention to use blockchain technology for enlightening digital banking services. A conceptual framework for blockchain adoption is developed with the technology acceptance models of a UTAUT by incorporating financial literacy and perceived risk factors. PLS-SEM using SmartPLS 3.0 results show that social influence, financial literacy, and perceived risk have significantly influenced the behavioural intention to use blockchain technology in digital banking services. The social significance of this study recommends that financial institutions and decision-makers must design a blockchain application that facilitates users to accept in the banking sector.
    Keywords: blockchain technology; digital banking; UTAUT; behavioural intention.
    DOI: 10.1504/IJEF.2022.10044201
     
  • The Hungry Energized Allergic Disease-Ridden (HEAD) Matrix for Financial Decision Dilemmas of Entrepreneurs   Order a copy of this article
    by N. Sivasankaran, Kanagaraj Ayyalusamy, Israel Duraipandi, Prasad R 
    Abstract: Entrepreneurs face financial dilemmas on a regular basis. These dilemmas are centred on taking major financial decisions such as how much of cash, debt, fixed cost, working capital and dividend is good for the firm i.e. whether the entrepreneurs should increase or decrease the size of these financial decision variables in order to increase their profitability. The paper discusses in detail these five financial decision dilemmas and offers the decision guidelines/rules for the entrepreneurs using the HEAD matrix as an analytical tool.
    Keywords: entrepreneurs; financial dilemmas; HEAD matrix; analytical tool.
    DOI: 10.1504/IJEF.2022.10044242