Forthcoming Articles

International Journal of Financial Innovation in Banking

International Journal of Financial Innovation in Banking (IJFIB)

Forthcoming articles have been peer-reviewed and accepted for publication but are pending final changes, are not yet published and may not appear here in their final order of publication until they are assigned to issues. Therefore, the content conforms to our standards but the presentation (e.g. typesetting and proof-reading) is not necessarily up to the Inderscience standard. Additionally, titles, authors, abstracts and keywords may change before publication. Articles will not be published until the final proofs are validated by their authors.

Forthcoming articles must be purchased for the purposes of research, teaching and private study only. These articles can be cited using the expression "in press". For example: Smith, J. (in press). Article Title. Journal Title.

Articles marked with this shopping trolley icon are available for purchase - click on the icon to send an email request to purchase.

Online First articles are also listed here. Online First articles are fully citeable, complete with a DOI. They can be cited, read, and downloaded. Online First articles are published as Open Access (OA) articles to make the latest research available as early as possible.

Open AccessArticles marked with this Open Access icon are Online First articles. They are freely available and openly accessible to all without any restriction except the ones stated in their respective CC licenses.

Register for our alerting service, which notifies you by email when new issues are published online.

International Journal of Financial Innovation in Banking (5 papers in press)

Regular Issues

  • The changing dynamics of banker-customer relationship in Indian banking system due to adoption of technology: a case of Rajasthan   Order a copy of this article
    by Aditi Johari 
    Abstract: In India, the introduction of modern technologies led in a paradigm shift in banking practices. Banks have become more attentive of the role and importance of technology in banking due to increasing competition and expectations of customers and specially to retain maximum customer as well as to maintain their loyalty. The customers are taking so much interest in new age banks' technology-enabled services, and this will lead to impact on banker-customer relationship. In this viewpoint, the current study is taken up for research and to find out after adopting this modern technology, how the dynamics of banker-customer relationship will change and is there any change in behaviour of the customers. The study is based mostly on primary data gathered from chosen responder customers of selected commercial banks in Jaipur, Rajasthan. The sample size is determined by scientific approach and set at 400. The data for the study is gathered by a standardised questionnaire and a sample survey.
    Keywords: banking; banker-customer relationship; technology; alternative banking channels; customer loyalty.
    DOI: 10.1504/IJFIB.2025.10072088
     
  • Balancing convenience and security: an analysis of customer perceptions and adoption of digital banking technologies in the UAE   Order a copy of this article
    by Muhamad Jumaa, Muhamad Saqib, Arif Attar 
    Abstract: The banking sector in the UAE is transforming due to technological advancements, leading to greater operational efficiency and expanded services. This has improved financial access but also introduced security challenges. This mixed-methods research investigates customer perceptions and attitudes toward FinTech adoption within the UAE's digital banking ecosystem. The study surveyed 58 banks (21 local, 27 foreign, and 10 based on turnover) using a structured questionnaire. Multivariate regression and ANOVA were used to analyse the relationship between customer perceptions and digital adoption levels. Findings show that customer satisfaction with digital banking is strongly influenced by convenience, reliability, and confidentiality. The research emphasises that addressing security concerns and are critical to fostering trust and achieving long-term success in the UAE's digital banking sector. This study provides valuable, context-specific insights for UAE banks to strategically enhance customer adoption and user experience.
    Keywords: digital banking; customer perceptions; technology adoption; trust; security; UAE; fintech; financial technology; customer satisfaction; convenience; reliability; confidentiality; ANOVA; analysis of variance; multivariate regression analysis.
    DOI: 10.1504/IJFIB.2026.10077302
     
  • Digital finance transformation and digital financial inclusion in Africa: the promise and challenges   Order a copy of this article
    by Peterson K. Ozili 
    Abstract: Accelerating digital finance transformation initiatives across African countries is essential to develop the African continent. Using the conceptual discourse method and the global findex data, this article explores the on-going digital finance transformation in Africa, the benefits for digital financial inclusion in Africa as well as the challenges that lie ahead. The article emphasises the importance of the digital finance transformation in Africa and urges for coordination with stakeholders to accelerate the use of digital financial services in African countries. It also emphasises the need to balance digital finance transformation initiatives with the risks. This study contributes to ongoing discussions about the role of digital finance in transforming nations.
    Keywords: digital finance; financial inclusion; Africa; open banking; digital financial inclusion; fintech; digital public infrastructure; DPI; mobile money; financial literacy; MPesa; eNaira; flutterwave.
    DOI: 10.1504/IJFIB.2026.10076276
     
  • Bridging theory and practice: commentary on operationalising strategic niche management in banking   Order a copy of this article
    by Sajjad Vojdanian 
    Abstract: The traditionally conservative, risk-averse banking sector faces a paradox: how to embrace radical, sustainable transformation amid disruption from fintech, artificial intelligence, and rising regulatory demands. This commentary paper proposes utilising strategic niche management (SNM) as a framework for nurturing radical innovations within niche (protected spaces). It argues SNM can empower banks to navigate this complex landscape experimentally and to catalyse pioneering initiatives in sustainable finance. By creating niches, banks can manage the uncertainty in radical innovation while remaining compliant with regulators and preserving customers' trust. Drawing on real-world examples of banks' experimental initiatives through the lens of SNM, the analysis reveals SNM's huge but underexploited potential. The paper issues a call to action: developing more research in SNM concept in Banks. This is not merely about survival; it is a strategic necessity for banks to adopt SNM and transform toward resilient, customer-centric architects of a truly sustainable financial future.
    Keywords: strategic niche management; SNM; radical innovation; niche; market; banks.
    DOI: 10.1504/IJFIB.2026.10077103
     
  • Addressing consumer complaints in US retail banking: a hybrid AI-human service   Order a copy of this article
    by Sifat Mahmud 
    Abstract: A challenge for the US retail banking industry is the high level of consumer complaint rates that hinder both consumer confidence and operational competency (Blakey, 2024). The thesis states the need for an innovative service delivery model that can solve AI-generated and systematic problems (Garrido-Moreno et al., 2024). The service model aims to introduce and analyse a hybrid AI-human service delivery model that can decrease the level of complaint rates and increase customer satisfaction (Akinyemi et al., 2025). The key findings from this research include the application of a tailored hybrid solution that incorporates the use of artificial intelligence technology to handle repetitive tasks, together with customer service representatives for high-level tasks that require a human element for empathetic resolution of complaint levels for different categories and high-impact states.
    Keywords: retail banking; customer complaints; artificial intelligence; human interaction; hybrid model; customer satisfaction.
    DOI: 10.1504/IJFIB.2026.10077303
     

 

Return to top