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Trimulato, Trimulato, Asyraf Mustamin e Syarifuddin Syarifuddin. "Linkage of Sharia Banking and Sharia Fintech to Support the Sustainable Development Goals Program". Imara: Jurnal Riset Ekonomi Islam 7, n.º 2 (31 de dezembro de 2023): 104. http://dx.doi.org/10.31958/imara.v7i2.10849.
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Background In addition to Sharia banking, Islamic finance includes an Islamic financial institution called Sharia Fintech, which is currently under development and whose asset size will reach 128.87 billion rupees in March 2023. Both institutions can have synergistic effects in supporting various economic activities. If all this time Islamic financial institutions stand and run individually, then through synergy it will be easy to achieve goals and contribute to the economy and development.Purpose. This study aims to explain the development of Islamic banking and Islamic fintech in Indonesia. and forming relationships between Islamic banks and Islamic fintech in support of the SDGs.Method. The research method used is a literature review using qualitative methods. The data source used was secondary data, which was processed from existing data. Data collection used the Financial Services Authority's data library and other data relevant to the research topic. We used descriptive qualitative methods to analyze the data and described the development of Islamic banks, the development of Islamic fintech, and the form of collaboration between Islamic banks and Islamic fintech in supporting the SDGs.Results. According to the study, in the development of Islamic banking, from December 2020 to March 2023, assets increased by 33.61% and the number of customers increased by 35%. For Islamic fintech, assets increased by 72.56% during the same period, while Sharia fintech players decreased by 30%. The form of collaboration between Islamic banks and Islamic fintechs can become partners that point the way to financing, especially in the micro-segment.Conclusion. Fintech has the advantage of flexible access, allowing Islamic financial institutions to store funds and distribute finance. Customers who cannot be reached by banks can access Shariah-compliant fintech services. The interconnection of the two can foster economic activity, especially under the SDG agenda: poverty reduction, wealth creation, decent work, economic growth, inequality reduction, and partnership for the goals
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Weill, Laurent. "L’impact des Fintech sur la structure des marchés bancaires". Revue d'économie financière N°135, n.º 3 (2019): 181. http://dx.doi.org/10.3917/ecofi.135.0181.
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Agustin, Grisvia. "The Rise of Financial Technology and Its Credit Risk in Indonesia". International Journal of Accounting & Finance in Asia Pasific 6, n.º 2 (20 de junho de 2023): 98–109. http://dx.doi.org/10.32535/ijafap.v6i2.2318.
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The purpose of the study is to use VECM to examine credit risk, basic loan interest rate, the number of lending entities, and the total amount of outstanding loans for fintech companies. Fintech is expanding quickly in Indonesia even during the Covid 19 pandemic. Since March 2019 until the present, Indonesia has formally entered the Covid 19 epidemic, causing Indonesia's GDP growth in 2020 to be -2.07. However, the amount of outstanding fintech loans in Indonesia is still sharply rising. Numerous financial services are offered by fintech businesses, and they can connect with the unbanked. Because a fintech firm tries to offer ease, particularly for customers who have trouble accessing traditional banks, credit through a fintech company is an easy loan to approve. Profit and credit risk are increased for fintech enterprises. As a result, interest rates have a short-term influence on outstanding loans because fintech lending companies derive revenue from activities and services based on fees and interest. Fintech financing has extremely minimal credit risk, is below OJK's criteria, and has no immediate or long-term effects on outstanding loans. Long-term outstanding loans to fintech companies are greatly impacted by the number of lender entities.
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Thouillez, Thomas. "Processus d’automatisation des marchés financiers". Marché et organisations N° 49, n.º 1 (15 de janeiro de 2024): 39–65. http://dx.doi.org/10.3917/maorg.pr1.0005.
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Cet article étudie les principales transformations de la microstructure des marchés financiers depuis la généralisation de l’automatisation des marchés. Aujourd’hui, la modification structurelle des marchés financiers, associée à l’évolution des technologies de l’information, ont entraîné des bouleversements, tant dans les pratiques de marchés, que dans les infrastructures nécessaires à l’intervention sur les marchés. L’essor du trading haute-fréquence a permis le développement d’une nouvelle économie pour les sociétés de bourse et plateformes de négociation, les entreprises de télécommunication et voit émerger de nouveaux acteurs, les fintech, dont les business models reposent principalement sur les nouvelles technologies.
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Aming, Mabi, Ruirui Liu, Yuchen Wang e Zixin Li. "A Comprehensive Review and Analysis of FinTech Research". Advances in Economics, Management and Political Sciences 138, n.º 1 (3 de janeiro de 2025): 101–6. https://doi.org/10.54254/2754-1169/2024.19225.
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FinTech has transformed the business models of traditional financial industries. However, current research mainly focuses on specific areas of financial technology, lacking a systematic analysis of the overall development of the FinTech industry. To understand this development, this study reviews recent literature on FinTech, summarizing scholars viewpoints. The paper examines relevant literature from SSCI core collection international journals between 2018 and March 2021, categorizing it into six main areas: Technology, Services, Innovation, Usage Intention, Regulation, and Financial Inclusion. Subsequently, it analyses the status and development trends of FinTech in different fields, summarizing its impacts and roles in modern economic society. Additionally, the paper highlights the research focus of Chinese scholars and explores their different emphases in these six areas. Finally, the paper presents future research prospects for FinTech, aiming to provide reference suggestions and research directions for scholars.
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Singh, Mansi. "A STUDY ON THE IMPACT OF FINTECH ON CUSTOMER EXPERIENCE". INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, n.º 06 (3 de junho de 2024): 1–5. http://dx.doi.org/10.55041/ijsrem35438.
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As FinTech continues to redefine the landscape of financial services, offering innovative solutions that promise greater convenience, efficiency, and accessibility, understanding its adoption and usage patterns becomes increasingly vital. This study investigates how demographic factors, user satisfaction, trust, and the intention to use FinTech platforms intertwine among residents of Hyderabad and Secunderabad from March to May 2024. Through an analysis of demographic characteristics such as age, gender, income, education, and occupation, the study uncovers their influence on FinTech adoption and usage. Findings reveal that while age, education, and gender do not significantly impact FinTech adoption, employment status and income levels emerge as critical determinants, with employed individuals and those in lower-income brackets showing higher adoption rates. Moreover, the study underscores the pivotal role of user satisfaction and trust in driving continued engagement with FinTech services. Positive user experiences are found to be instrumental in building trust, which strongly influences the intention to use FinTech platforms. However, user satisfaction alone does not significantly impact usage intentions without the presence of trust. These insights underscore the importance of transparent and secure service offerings to cater to diverse consumer needs and foster widespread adoption, ensuring the sustained success of FinTech initiatives. Key Words: FinTech adoption, demographic factors, user satisfaction, trust, income levels, employment status
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Agustiningsih, Maulida Dwi, Ravika Mutiara Savitrah e Putri Catur Ayu Lestari. "Indonesian young consumers’ intention to donate using sharia fintech". Asian Journal of Islamic Management (AJIM) 3, n.º 1 (junho de 2021): 34–44. http://dx.doi.org/10.20885/ajim.vol3.iss1.art4.
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Purpose: This research examines the effect of Perceived Ease of Use (PEOU), Perceived Usefulness (PU), religiosity, and company image on intention to use Sharia fintech for donation among Indonesian young consumers. Methodology: This study used a quantitative method with data collection techniques using an online questionnaire. Respondents filled out the questionnaire based on the Likert scale from 1 (strongly disagree) to 4 (strongly agree). The questionnaire was distributed and collected in less than one week, from 26th March 2021 to 29th March 2021. The ideal sample is five times higher than the number of indicators. The number of indicators is 20, so the ideal sample is 100 or more. This study has successfully collected 206 respondents. However, 13 respondents filled the same scale for all questions, so 193 is chosen as data analysis. The valid data were analyzed through Structural Equation Modeling Partial Least Square (SEM-PLS). Findings: This research shows the intention to use Sharia fintech to pay donations influenced by perceived usefulness (PU) and religiosity. In contrast, perceived ease of use (PEOU) and image are not positively related to the intention of using Sharia fintech for donation. Practical Implication: Religiosity and PU positively influence the interest in using Sharia fintech to pay donation. So, it is expected for fintech to comply with Sharia compliance and still comply with regulations from the OJK and DSN related to legality aspects. Furthermore, fintech startups and developers can build a more user-friendly application. Originality: This research is a replication-based model and is adapted from published research. The originality in this research is in the respondent who young generation. Intention to pay donation using fintech Sharia is the main focus to be researched. This primary focus has not been being researched beforehand.
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Risqiani, Renny, e Ari Mulianta Ginting. "Factors Influencing the Consumer’s Decision Using Financial Technology: Case Study in Jakarta". Jurnal Ekonomi dan Kebijakan Publik 13, n.º 1 (18 de julho de 2022): 29–41. http://dx.doi.org/10.22212/jekp.v13i1.1980.
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Economic evolution started with the first wave of the industrial revolution. Economic evolution brought about changes in the economy. One of these effects is the advancement of technology, which has increased the use of Financial Technology (Fintech) in Indonesia. Fintech usage has risen in Indonesia, particularly in Jakarta. The study’s goal is to look at the elements that influence people’s decision to keep using fintech services. The study used non-probability sampling methods to obtain data from fintech users in Jakarta aged 17 to 35 years old over the research period of March to May 2020. The data was analyzed by using Structural Equation Model (SEM) with the AMOS software program. This study found that competitive pressures in technology services and the ease of digital technology offer consumers a wide range of options. Customers easily switch to other technology services at a reasonably affordable price. The study also found that variable consumer perceptions of benefits and trust variables in fintech services influence consumer attitudes. However, these two variables have no direct effect on the desire to continue using fintech services. Variable risk perception does not affect the attitude and desire of consumers to continue using fintech services. Variable attitudes affect the desire to continue using fintech services. The study results showed that increasing the penetration of fintech and continue consumers to continue to use fintech. It is necessary to improve risk perception to fintech used by consumers.Keywords: fintech, benefit and risk perception, Structural Equation Model AbstrakPerkembangan evolusi perekonomian dimulai dari gelombang pertama hingga masuk revolusi industri membawa perubahan terhadap perekonomian. Salah satu dampak tersebut adalah semakin berkembangnya teknologi. Perkembangan teknologi membawa dampak terhadap peningkatan Financial Technology (Fintech) di Indonesia. Penggunaan fintech di Indonesia mengalami peningkatan khususnya penggunaan fintech di Jakarta. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi niat untuk terus memanfaatkan layanan fintech. Studi ini mengumpulkan data dari pengguna fintech di Jakarta yang berusia 17 hingga 35 tahun menggunakan metode non-probability sampling dengan periode penelitian dari bulan Maret – Mei tahun 2020. Analisis data menggunakan Structural Equation Model (SEM) dengan program software AMOS. Studi ini menemukan bahwa tekanan persaingan dalam layanan teknologi dan kemudahan teknologi digital menawarkan konsumen berbagai pilihan. Konsumen dengan mudah beralih ke layanan teknologi lain dengan harga yang cukup terjangkau. Penelitian ini juga menemukan bahwa variabel persepsi konsumen terhadap manfaat dan variabel kepercayaan terhadap layanan fintech berpengaruh terhadap sikap konsumen. Namun, kedua variabel tersebut tidak berpengaruh langsung terhadap keinginan untuk terus menggunakan layanan fintech. Variabel persepsi risiko tidak memengaruhi sikap dan keinginan konsumen untuk tetap menggunakan layanan fintech. Variabel sikap memengaruhi keinginan untuk terus menggunakan layanan fintech. Hasil studi menunjukkan bahwa penetrasi fintech meningkat dan konsumen terus menggunakan fintech. Persepsi risiko terhadap fintech yang digunakan konsumen perlu ditingkatkan.Kata kunci: fintech, manfaat dan persepsi risiko, Structural Equation Model
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Debora, Debora. "Legal Protection On Consumers Of Fintech Peer To Peer Lending Due To Covid-19 Pandemic". Nagari Law Review 5, n.º 1 (31 de outubro de 2021): 69. http://dx.doi.org/10.25077/nalrev.v.5.i.1.p.69-75.2021.
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In March 2020, the WHO stated Covid-19 is pandemic disease. The Indonesian government has taken actions to prevent the spreading of Covid-19 by limiting people’s activities. Covid 19 has resulted in people who loans at lending institutions, having difficulty paying installments. The government issues policies in response to the Covid-19 effect, such as economic relaxation. However, the policy did not cover consumers Fintech Peer to Peer (P2P) Lending, this created a legal vacumm. The problem in this research is the urgency of legal protection for Fintech P2P lending consumers during pandemic Covid-19. The purpose of this research is for OJK policy to issue a stimulus to Fintech P2P Lending consumers. This research applied juridicial normative methodology. It uses secondary data, which consists primary legal material, namely the OJK regulations on Covid-19 prevention and related literature, analyzed descriptively analytically. The research shows that consumer fintech P2P lending are affected by Covid-19 pandemic, so they need to get legal protection, in the form of stimulus given to lenders and borrower of fintech P2P lending.
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Sapulette, Militcyano Samuel, Nury Effendi e Teguh Santoso. "FINTECH, BANKS, AND THE COVID-19 PANDEMIC: EVIDENCE FROM INDONESIA". Buletin Ekonomi Moneter dan Perbankan 24, n.º 4 (18 de fevereiro de 2022): 559–88. http://dx.doi.org/10.21098/bemp.v24i4.1470.
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This study investigates the relationship between fintech and banks and how this relationship is affected by the COVID-19 pandemic. We use monthly stock data of all banks consistently listed on the Indonesian Stock Exchange from February 2018 to March 2021. For fintech data, we use a total of four proxies that encompass both lending and borrowing aspects of peer-to-peer lending fintech. To provide robust results, we use five model specifications. Furthermore, we also estimate the models using both the fixed effect and the two-step system generalized method of moments estimators. To see the dynamics of the relationship between fintech and banks before and during the pandemic, we estimate one of our five models using half-yearly data for each semester from the second semester of 2018 to the second semester of 2020. Our fixed effect and two-step system generalized method of moments estimates indicate a relatively less negative impact of fintech on bigger banks. This relationship is further exemplified during the COVID-19 pandemic period. We argue that these findings have significant implications for the Indonesian financial authorities’ open banking strategy and for the future of the Indonesian financial system in general.
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Le Saout, Erwan. "Toute la finance drivée par la technologie ? Regards croisés d’experts en Fintech". Marché et organisations N° 49, n.º 1 (15 de janeiro de 2024): 163–75. http://dx.doi.org/10.3917/maorg.pr1.0007.
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Services de paiement, assurances, compensation, compliance, crédits, crowdfunding, gestion de patrimoine, microfinance ou autres transactions virtuelles sont autant de termes faisant écho à l’immersion des technologies financières dans le domaine du management. Le développement des Fintech serait à même d’affecter, voire de remodeler la structure des marchés. Si tout le monde est touché par ces évolutions, tant dans sa vie de particulier que de professionnel, il nous est apparu important, dans le cadre de ce numéro thématique, d’échanger avec les acteurs qui travaillent au quotidien au cœur des Fintech . Ces regards croisés réunissent des experts : Philippe GELIS, Arthur JACQUEMIN, Bertrand ANNETTE et Frédéric PAYEN. Ces acteurs au quotidien abordent l’origine, le financement, la concurrence avec les acteurs traditionnels ou comment les Fintech bouleversent les modèles historiques et les perspectives d’avenir au regard des contraintes réglementaires.
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Kiburu, Lydiah, e Edward Mungai. "Equity bank: repositioning as a fintech". Emerald Emerging Markets Case Studies 12, n.º 4 (7 de dezembro de 2022): 1–37. http://dx.doi.org/10.1108/eemcs-03-2022-0069.
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Learning outcomes The learning objectives of this case include: ▪ Outline the brand repositioning approaches that Equity Bank used in its various stages of growth. ▪ Identify the impact of Equity’s brand repositioning in supporting its growth. ▪ Develop a brand repositioning framework for Equity bank as a fintech. ▪ Identify the theoretical frameworks that informed Equity’s brand repositioning during the various growth stages. ▪ Suggest a theoretical framework that would help Equity to reposition the new brand in the market. Case overview/synopsis In March 2020, the Government of Kenya declared a lockdown to slow down the spread of the Covid-19 pandemic. The lockdown of entire economic sectors put pressure on the adoption of technology to deliver services such as education, training and financial services. Banks had to innovate ways of supporting customers transactions with minimal physical and cash contact. Equity Bank had been implementing a digital banking strategy which had demonstrated successful adoption. Covid-19 accelerated the adoption and usage of Equity Bank’s digital banking by consumers. The bank found itself in a new territory competing fiercely with new and more agile fintechs. Consequently, Dr James Mwangi, the Group Managing Director and CEO of Equity Group, was contemplating the possibility of bringing forward the bank's strategic intention of repositioning as a fintech. He was convinced that such a move would bring massive success to the bank’s digital banking strategy, achieve enhanced efficiency, improve customer experience and attract a new segment of digital-savvy customers. But he needed to carry the Board, his management team and customers along in this repositioning strategy without sacrificing the gains made in the consumers' minds about Equity's brand as a bank. Complexity academic level This case can be taught to graduate-level students of marketing courses. It can also be taught to participants of executive education undertaking short courses in in business management and entrepreneurship. Supplementary materials Teaching notes are available for educators only. Subject code CSS 8: Marketing.
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J, Maria Vinita, Senthilkumar M, Anandaraja N, Nirmala Devi M, Gangai Selvi R e Murugan P.P. "Challenges in Fintech Adoption among Members of Farmer Producer Organisations – An Analysis". Journal of Scientific Research and Reports 30, n.º 9 (28 de agosto de 2024): 199–204. http://dx.doi.org/10.9734/jsrr/2024/v30i92344.
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Aim: The purpose of this study is to determine the personal, technological, and trust-related barriers that prevent farmers in Tamil Nadu from adopting fintech. The research aims to provide insights for enhancing the utilization of fintech in the agricultural sector by analyzing these obstacles. Study Design: The limitations that limit farmers' use of fintech were investigated using an ex-post facto research design. Place and Duration of Study: From March to July 2023, the research was carried out in the Tiruvallur district of Tamil Nadu, India. Due to its high concentration of banking establishments, this area was chosen for fintech adoption research. Methodology: From four Farmer Producer Organizations (FPOs) affiliated with Krishi Vigyan Kendra (KVK), Tiruvallur, 120 farmers, 86 men and 34 women, aged 18 to 75, were chosen at random. A structured interview schedule was used to collect the data, which were divided into personal, technological, and trust-related constraints. The farmers' perspectives were used to evaluate the severity of these constraints using the Garrett ranking method. Results: Personal constraints, such as risk aversion (average score = 65.14) and a preference for cash transactions (average score = 56.68), were found to be the most significant obstacles to the adoption of fintech. Usage was further hampered by technological issues such as restricted access to technical support (64.79) and complicated user interfaces (52.95). Concerns about trust, particularly concerns about scams and fraud (65.83), were the most significant obstacles, highlighting the need for robust security measures. Conclusion: The results emphasize the need for targeted interventions to remove the major obstacles to the adoption of fintech, particularly by improving user-friendly designs, technical support, and security measures.
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Yan, Chen, Abu Bakkar Siddik, Li Yong, Qianli Dong, Guang-Wen Zheng e Md Nafizur Rahman. "A Two-Staged SEM-Artificial Neural Network Approach to Analyze the Impact of FinTech Adoption on the Sustainability Performance of Banking Firms: The Mediating Effect of Green Finance and Innovation". Systems 10, n.º 5 (8 de setembro de 2022): 148. http://dx.doi.org/10.3390/systems10050148.
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This study aims to examine the effect of FinTech adoption on the sustainability performance of banking institutions in an emerging economy such as Bangladesh. Besides, this study also investigates the mediating role of green finance and green innovation in the relationship between FinTech adoption and sustainability performance. To examine the relationship among the study variables, this study used data from 351 employees of banking institutions operating in Bangladesh during the period January to March 2021 using a convenience sampling method. Furthermore, the study utilized a two-staged structural equation modeling and an artificial neural network (SEM-ANN) approach to analyze the data. The findings show that FinTech adoption significantly influences green finance, green innovation, and sustainability performance. Similarly, the results indicate that green finance and green innovation have a significant positive influence on sustainability performance. Furthermore, the results reveal that green finance and green innovation fully mediate the relationship between FinTech adoption and the sustainability performance of banking institutions. Moreover, the present study contributes to the existing literature on technological innovation, green finance, and sustainability performance greatly as it is the first study to examine both linear and non-linear relationships among these variables using the SEM-ANN approach. As a result, the study highlights the importance of FinTech adoption, green finance, and innovation in the attainment of sustainability performance, as well as the urgent need to incorporate new technologies, green initiatives, and financing into banking strategies to help achieve the country’s sustainable economic development.
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Salim, Dwi Fitrizal, Gianola Kheistilara Wadana e Farida Titik Kristanti. "Determinant Factors of Financial Stability of Fintech Companies in Indonesia". International Journal of Religion 5, n.º 11 (13 de agosto de 2024): 6065–73. http://dx.doi.org/10.61707/7pt37669.
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The company’s financial stability is impacted by the fintech industry development, therefore it requires supervision to manage the risks that arise. The purpose of this study is to analyze the factors that affect the financial stability of fintech Peer-to-Peer lending companies in Indonesia. The independent variables used are the number of Peer-to-Peer, firm size, Cost-to-Income Ratio, Loan to Total Assets, Non-Interest Income to Total Assets, Equity to Asset Ratio, and Non-Performing Loans. The data used comes from the statistical reports of fintech P2P lending companies published by Financial Services Authority Indonesia with the time span used, from May 2021 to March 2024. The dependent variable used is the Z-score Equity to Total Assets to measure financial stability. Research conducted on Peer-to-Peer lending fintech companies in Indonesia. This study applies the OLS analysis method through classical assumption and hypothesis testing. The regression analysis used shows some significant findings related to the factors that impact the financial health of the company. The outcomes show that Cost-to-Income Ratio is also an important factor, where firms higher cost ratios are associated with lower profitability and less financial stability. Loan to Total Assets and Equity to Asset Ratio, also have a significant impact on the financial health of the company. The findings highlight the importance of total assets, operating expense ratio, loan ratio and firm equity for the stability of peer-to-peer lending fintech firms since they have the potential to make the financial system more stable.
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Thießen, Friedrich. "Die Empfehlungen des Fintech-Rates zur Regulierung von Blockchains im Lichte ungeklärter Fragen der Haftung". Zeitschrift für Wirtschaftspolitik 69, n.º 2 (25 de setembro de 2020): 166–98. http://dx.doi.org/10.1515/zfwp-2020-2030.
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AbstractThis paper examines the recommendations of the German Fintech Council of March 2019 regarding a future blockchain strategy for Germany. The recommendations are the Fintech Council’s response to the German government’s wish to develop a blockchain strategy. The proposals contain many valuable elements, whereby the principle of liability is neglected. Cases from the short history of blockchain applications prove severe problems and show the extent to which the principle of liability is violated. Liability is one of the fundamental pillars of functioning market economies. There seems to be a tendency in Europe to underrate or under-emphasise the principle of liability when innovative digital developments are looked at. As long as developments are at the experimental stage, there is no objection to this. But in real operation, adequate liability is indispensable. It is the aim of this article to recall this.
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SELVAKUMAR, DR S., e R. ISWARYA. "FINANCIAL PERFORMANCE OF FINO PAYMENT BANK". INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, n.º 01 (8 de janeiro de 2024): 1–13. http://dx.doi.org/10.55041/ijsrem27934.
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Our Bank was incorporated as ‘Fino Fintech Foundation’ pursuant to a certificate of incorporation dated June 23, 2007, issued by Registrar of Companies, Maharashtra at Mumbai. Pursuant to surrender of our license under section 8 of Companies Act, 2013, our name was changed to ‘Fino Fintech Private Limited’ and a fresh certificate of incorporation dated December 15, 2015 was issued by Registrar of Companies, Maharashtra at Mumbai. Thereafter, pursuant to the conversion of our Bank to a public limited company, the name of our Bank was changed to ‘Fino Fintech Limited’, and a fresh certificate of incorporation dated February 3, 2017 was issued to our Bank by the Registrar of Companies, Maharashtra at Mumbai. Our Promoter, Fino PayTech Limited, was granted an in-principle approval to establish payments bank (“Payments Bank”), by the RBI, pursuant to its letter dated September 7, 2015. Subsequently, our Bank received the final approval of the RBI to carry on the business as a Payments Bank on March 30, 2017. Pursuant to receipt of approval by RBI, the name of our Bank was changed to ‘Fino Payments Bank Limited’ and a fresh certificate of incorporation dated April 4, 2017 was issued by Registrar of Companies, Maharashtra at Mumbai.
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Volodina, Valeriya N. "The triumphal march of fintech in the retail business: from tradition to innovation". Сберегательное дело за рубежом, n.º 2 (2020): 11–15. http://dx.doi.org/10.36992/75692_2020_2_11.
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Alber, Nader, e Mohamed Dabour. "The Dynamic Relationship between FinTech and Social Distancing under COVID-19 Pandemic: Digital Payments Evidence". International Journal of Economics and Finance 12, n.º 11 (20 de outubro de 2020): 109. http://dx.doi.org/10.5539/ijef.v12n11p109.
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This paper investigats the opportunities of growth under restrictions of social distancing for FinTech. This has been conducted on 10 countries (United States, United Kingdom, Egypt, United Arab Emirates, Saudi Arabia, Japan, South Korea, Italy, India and Nigeria) during the period from March to June 2020. Results indicate that social distancing may affect digital payments. This has been supported for retail and recreation (X1), grocery and pharmacy (X2), transit stations (X4) and workplaces (X5), whithout any evidence about significant effects for parks (X3) and residentials (X6).
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Chauhan, Rahul, Rajpurohit Anish Kumar, Andino Maseleno e Nabila Kharimah Vedy. "Impact of COVID-19 on Fintech with Reference to Youngster". Feb-Mar 2023, n.º 32 (11 de fevereiro de 2023): 26–38. http://dx.doi.org/10.55529/jmc.32.26.38.
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In Wuhan, China, in December 2019, the Novel Coronavirus (2019-nCoV) was discovered for the first time. Covid-19, the virus-caused disease, had been reported in 205 countries by the end of March 2020. There had been about 700,000 cases of infection and 33,000 fatalities worldwide.” Kerala, India, reported the first case of 2019-nCoV in the final week of January 2020. Since that time, 27 States and Union Territories have reported about 1353 cases. More than 300 cases have been reported by the State of Tamil Nadu, and at the time of writing, 110 samples were being investigated. Around 290 people in Kerala are infected, and 120,000 more are being monitored. Children, families, and entire communities could be at risk from the 2019 n-CoV. In addition to the risk of secondary morbidity and mortality, the virus infection itself has direct health effects. It also has a negative impact on the economy and way of life of marginalised people. Basic services like health, education, and social protection programmes will inevitably be disrupted. Children and parents experienced fear, panic, anxiety, and stress as a result of the 21-day total lockdown that the Indian government had announced. Correct information must be given, myths, misconceptions, and false information must be dispelled, social isolation should be encouraged, hand and personal hygiene should be promoted, and flu-like symptoms should be treated as soon as possible.
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Ningsih, Setia, Fitri Yetty e Lili Puspita Sari. "ANALISIS STRATEGI DAN EFEKTIVITAS PENGEMBANGAN UKM MELALUI PEMBIAYAAN INVOICE SYARIAH PADA PT. INVESTREE DI MASA PANDEMI COVID-19". Jurnal Ekonomi Syariah Pelita Bangsa 6, n.º 02 (31 de outubro de 2021): 126–37. http://dx.doi.org/10.37366/jespb.v6i02.242.
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The development of the SME sector in Indonesia is growing every year. However, since the emergence of the Covid-19 outbreak which has been confirmed for the first time to enter Indonesia since March 2020, the SME sector has become increasingly suboptimal in its development. The presence of fintech makes it easier for people to apply for financing rather than applying for financing to banks. The emergence of fintech companies that have products specifically for SMEs, namely sharia invoice financing such as the one at PT. Investree. The purpose of this study is to determine the strategy and effectiveness of SME development through sharia invoice financing of PT. Investree during the Covid-19 pandemic. This research uses descriptive qualitative research with a case study approach. The result of this research is the strategy implemented by PT. Investree in developing SMEs during the Covid-19 pandemic is to strengthen collaboration with ecosystem partners, improve credit scoring capabilities and innovate business processes. Then, to see the effectiveness of providing financing using indicators of quality, administration, price and the right amount and time which can support the effectiveness of providing sharia invoice financing at PT. Investree during the Covid-19 pandemic.
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Santhosh, A. "Current Situation and Challenges in Indian Banking Sector". International Journal for Research in Applied Science and Engineering Technology 11, n.º 5 (31 de maio de 2023): 3360–63. http://dx.doi.org/10.22214/ijraset.2023.52326.
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Abstract: The Indian banking sector is facing several challenges due to the rapidly changing financial environment. The key issues include the high level of Non-Performing Assets (NPAs), increasing competition from fintech companies and digital payment platforms, difficulty in meeting capital adequacy requirements, concerns about governance and risk management, and challenges in Asset Liability Management (ALM). Addressing these challenges is critical for the Indian banking sector to remain competitive and continue playing a crucial role in the country’s economy. One of the largest in the world and essential to the nation's economy is the Indian banking sector. However, it is currently facing several challenges due to the rapidly changing financial environment. Here are some of the key issues and challenges faced by the Indian banking sector: Non-Performing Assets (NPAs): The high level of NPAs, or bad loans, is one of the main problems Indian banks face. The gross NPA ratio of Indian banks, according to the Reserve Bank of India (RBI), was 7.5% in March 2021. The profitability and capital sufficiency of banks have been under intense strain as a result of this is digital disruption.The traditional banking sector has been impacted by the growth of fintech businesses and digital payment platforms. These new competitors, who can provide customers with speedier, more convenient, and less expensive services, are putting pressure on Indian banks.
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Staikouras, Panagiotis. "The European Union Proposal for a Regulation on Cross-Border Crowdfunding Services: A Solemn or Pie-Crust Promise?" European Business Law Review 31, Issue 6 (1 de dezembro de 2020): 1047–122. http://dx.doi.org/10.54648/eulr2020039.
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In March 2018, the European Commission presented a Proposal for a Regulation on (financial return) crowdfunding service providers (CSPs) with a dual objective: to set up a single, EU-wide authorization regime for CSPs; and to ensure that duly authorized CSPs operate in a safe and sound manner. Over two years later, in July 2020, the Council of the European Union adopted its First Reading Position which reflects the compromise reached in negotiations with the European Parliament and brings about significant changes to the Commission Proposal. This study critically analyzes the objectives, economic rationales, and fundamental principles of the proposed EU Regulation on crowdfunding; highlights its weaknesses and inconsistencies; and offers proposals for refinement and improvement. Crowdfunding, fintech, authorization, supervision, suitability, KIIS, crowdfunding service providers
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Ben Bouheni, Faten, Mariama Guéladio Diallo, Chantal Ammi e Mondher Bellalah. "Digitalisation des banques françaises et reprise économique". La Revue des Sciences de Gestion N° 311, n.º 5 (31 de janeiro de 2022): 41–53. http://dx.doi.org/10.3917/rsg.311.0045.
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La nouvelle technologie et la digitalisation de la finance, considérées comme un facteur clé de la reprise économique en Europe, se sont imposées à toutes les institutions financières. Notre étude, basée sur l’analyse des rapports annuels et des documents de référence de 2016 de deux grands groupes bancaires français (BNP Paribas et Société Générale), a pour objectif d’étudier les stratégies adoptées par ces banques dans un contexte de compétition féroce, de digitalisation de l’économie et de l’émergence de l’intelligence artificielle. Notre analyse confirme que l’apparition des nouvelles technologies de l’information et de la communication a considérablement modifié le fonctionnement du secteur bancaire qui a subi des mutations importantes. Les banques, à défaut d’avoir innové dans la relation client, ont donc favorisé l’apparition des nouveaux entrants proposant des services de haute qualité parfaitement adaptés aux besoins de leurs clients. Ces nouveaux protagonistes composés de géants de l’informatique comme Google, Apple, Microsoft, Amazon ou encore des FinTechs etc. se sont positionnés sur des segments du marché bancaire à fort niveau de rentabilité. Le client est devenu ainsi un Consomm’acteur qui peut donner ou changer son avis librement. Les groupes Société Générale et BNP Paribas, deux parmi les plus grands groupes bancaires en Europe, ont adopté deux stratégies différentes envers les FinTechs. En effet, le premier groupe est prêt à racheter des concurrents, alors que le second préfère collaborer en contrepartie de l’accompagnement des FinTechs dans leur développement. En revanche, les deux groupes ont quasiment des stratégies d’innovation similaires, notamment au niveau de la banque en ligne et des systèmes de digitalisation des moyens de paiement. À l’issue de cette étude, nous concluons que la Société Générale semble avoir bien pris conscience des enjeux qui accompagnent cette évolution en adaptant une stratégie digitale “aggressive” comparée à celle choisie par BNP Paribas qui doit reproduire les mêmes efforts réalisés pour ses clients, en interne.
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Gao, Runjia. "Yield and Fluctuation of Cryptocurrency under the Covid-19 Pandemic: Empirical Research based on Ethereum". BCP Business & Management 31 (5 de novembro de 2022): 327–36. http://dx.doi.org/10.54691/bcpbm.v31i.2647.
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The Covid-19 pandemic has caused one of the most severe systematic shocks to global financial markets as investors discovered the sudden slumps in major global stocks indexes in March 2020. However, at the same time, the pandemic also accelerated the rise of decentralized finance and cryptocurrencies as the public began to shift their investments from traditional stock markets to the newly emerged fintech markets as the decentralized financial market’s risks hedging ability are believed to be better during global emergencies. Although it’s tempting to attribute these observed phenomena solely to the Covid-19 pandemic, other political shocks such as the US 2020 election and China’s crypto crackdown in 2021 also exacerbated the uncertainties and thus should be considered as potential reasons for the observations. Through theoretical analysis on financial and political economics as well as empirical modeling utilizing Stata17, this report has constructed a time series ARMA-GARCH model quantifying the relationship between Ethereum’s investment return and potential factors including the daily new confirmed cases of Covid-19 and other policy changes, and discovered for the first time that the rise of Ethereum’s investment return is majorly caused by the two aforementioned policy changes, and the rapid infection of Covid-19 only caused a short-term rise in Ethereum’s investment return whereas the daily new infection numbers of the later stage only caused fluctuations to the Ethereum trading market. Based on the findings, the article made recommendations for both policy makers and investors on crypto investments during the fintech era.
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Kohardinata, Cliff, e Luky Patricia Widianingsih. "EFEK SUBSTITUSI PERTUMBUHAN PINJAMAN PEER-TO-PEER (P2P) TERHADAP PERTUMBUHAN KREDIT BANK KONVENSIONAL DI INDONESIA". JURNAL LENTERA AKUNTANSI 8, n.º 1 (10 de maio de 2023): 1. http://dx.doi.org/10.34127/jrakt.v8i1.735.
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<p align="justify">Peer-to-peer (P2P) platforms have developed rapidly in the financial industry in Indonesia. The rapid P2P Platform influences the banking sector in Indonesia so that it is important to examine the effect of P2P loan growth on banking credit growth from various perspectives to gain a deeper understanding. This study aims to examine the effect of peer-to-peer (P2P) loan growth on the credit growth performance of conventional banks in Indonesia from July 2019 to March 2020 using data from 33 provinces in Indonesia. The results of this study indicate that P2P loan growth has a significant negative effect on overall banking credit growth.</p><p><strong>Key words:</strong> P2P, peer-to-peer, Fintech, Banking Credit, Loan</p>
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Wang, Yusha. "Analysis of the Influence of the Bankruptcy of Silicon Valley Bank on the Scientific and Technological Innovation Enterprises". Journal of Education, Humanities and Social Sciences 35 (4 de julho de 2024): 60–65. http://dx.doi.org/10.54097/fbfmz792.
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On March 8, 2023, Silicon Valley Bank announced the sale of its bond investments at a loss and later declared bankruptcy on March 10. As an important institution serving scientific and technological innovation enterprises for a long time, it is an important financial channel between scientific and technological enterprises and scientific and technological workers, with a wide range of business. Therefore, the bankruptcy of Silicon Valley bank caused turmoil in the financial market, but also brought great pressure to the scientific and technological enterprises. This paper takes the Silicon Valley bank bankruptcy event as the research object, discusses its impact on the business model of small, medium, and micro enterprises, and puts forward corresponding solutions. First of all, through the in-depth analysis of the reasons for the bankruptcy of Silicon Valley Bank, reveals its deficiencies in risk management and financial services. Secondly, through the study of the business model of small, medium, and micro enterprises, the problems in financing, risk control and business development are found. On this basis, a fintech-based solution is proposed to improve the risk management ability of micro, small, and medium-sized enterprises, optimize their financing structure, and enhance their business efficiency by using big data, artificial intelligence, and other technologies.
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Nathan, Daniel, e Nikiforos Mathews. "In or out? – the CFTC explains when virtual currencies come within its jurisdiction". Journal of Investment Compliance 21, n.º 2/3 (23 de novembro de 2020): 167–69. http://dx.doi.org/10.1108/joic-09-2020-0026.
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Purpose To summarize and explain the U.S. Commodity Futures Trading Commission’s (CFTC’s) guidance regarding whether cryptocurrency is subject to CFTC jurisdiction. Design/methodology/approach The article reviews the CFTC’s March 24, 2020 final interpretive guidance, summarizes the history of the agency’s jurisdiction over leveraged, margined or financed retail transactions, and relates it to the CFTC’s guidance and judicial decisions regarding cryptocurrency. Findings We found that the CFTC, in carrying out its leadership role related to developments in the fintech industry, had provided clarity about its jurisdiction over cryptocurrency. The CFTC defines virtual currency as a “commodity,” even if intangible, and finds that many transactions in virtual currency satisfy the exception to the CFTC’s jurisdiction over leveraged retail commodity transactions because “delivery” can be said to occur within 28 days. Originality/value The article provides a useful summary of an important pronouncement from the CFTC in a manner that is readily understandable and relatable to industry participants and legal practitioners in this field.
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Taufan Adi Kurniawan, Anita Primastiwi e Devy Putri Milanda. "Perceived Risk And Self Efficacy Effect On Digital Gold Applications Usage". Jurnal Manajemen 28, n.º 3 (31 de outubro de 2024): 547–66. http://dx.doi.org/10.24912/jm.v28i3.1982.
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Gold prices in the last quarter of 2022 to March 2023 have increased significantly. This was caused by several reasons, such as war and two large banks' bankruptcies, namely Silicon Valley Bank and Signature Bank; many investors have switched to gold investment. Indonesians are used to gold investment; various Fintech applications have provided digital gold investment, and the government also has regulations for digital gold investments, but Indonesians still hesitate to use digital gold for investment. This study aims to analyse the effect of some factors on digital gold applications using the Technology Acceptance Model (TAM) and adding external variables such as perceived risk and self-efficacy. The results showed that all TAM variables had a positive effect, and self-efficacy and perceived risk variables also had a positive effect. This means digital gold application users in Indonesia are still affected by perceived ease of use, perceived usefulness, perceived risk of applications and self-efficacy in using digital gold applications.
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Sholiha, Imroatus. "TELAAH ILMIAH INDUSTRI KEUANGAN NON-BANK (INBK) SYARIAH DAN EKSISTENSINYA DI INDONESIA PASCA COVID-19". Al-Idarah : Jurnal Manajemen dan Bisnis Islam 4, n.º 1 (23 de fevereiro de 2023): 1–25. http://dx.doi.org/10.35316/idarah.2023.v4i1.1-25.
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The purpose of this study is to examine Islamic financial institutions that are included in the Islamic Non-Bank Financial Industry (IKNB) and how they exist in Indonesia after Covid-19. The institutions studied in this study are Islamic insurance, Islamic financing institutions, Islamic pension funds, Islamic special financial services institutions, Islamic micro institutions, and Islamic fintech. The research used literature, namely research by examining several literature related to the issues raised and then reported qualitatively descriptively. The results showed that when the Covid-19 pandemic hit, IKNB Syariah experienced a decline in performance in several sectors, but overall it was still able to survive and grow positively, as evidenced by an increase in assets in 2021 of 4.409 billion from the previous year. Post-covid-19 Sharia IKNB assets in March 2022 amounted to 126.236 billion, an increase in November of 143.971 billion. IKNB Syariah has shown its existence after Covid-19.
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Jamil, Jamil, Anwar Al Al-Gasaymeh, Maha Shehadeh e Asma S. Alzwi. "Enhancing Predictive Accuracy of Insurance Stock Market in Jordan using Hyprid GFS.Thrift Model: A Genetic Fuzzy System-based Fintech Approach". International Journal of Neutrosophic Science 24, n.º 4 (2024): 165–75. http://dx.doi.org/10.54216/ijns.240412.
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This study focuses on improving the predicting accuracy of the daily ASE's weighted price index of the insurance sector (ICI) using a nonlinear spectral model called maximum overlapping discrete wavelet transform (MODWT) with five mathematical functions, namely, Haar, Daubechies (d4), least square (la8), best localization (bl14), and Coiflet (c6). Using a nonlinear spectral model called maximum overlapping discrete wavelet transform (MODWT) with five mathematical functions—Haar, Daubechies (d4), least square (la8), best localization (bl14), and Coiflet (c6)—this study aims to increase the daily ASE's weighted price index of the insurance sector's (ICI) prediction accuracy. The model utilizes a genetic fuzzy system based on Thrift's methodology (GFS.Thrift). The Amman Stock Exchange (ASE) supplied a dataset with 4,478 observations for the purpose of the study. The dataset represented daily data from January 2, 2006, to March 24, 2024. The adaptive GFS.THRIFT model was trained with 90% of the dataset, while the remaining 10% was used to test its prediction performance. Multiple egressions and multicollinearity tests were used to select input variables such as standardized foreign direct investment (FDI), standardized value traded (VT) and consumer price index (CPI). Insights from this study indicate that all input variables are positively related to the output variable. Secondly, the proposed model (MODWT-Haar-GFS. Thrift) significantly outperforms other existing models including the GFS. Thrift model.
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Thu Trang, Nguyen Thi. "Factors Influencing Customer Behavioral Intention of Mobile Money: A Case Study in Vietnam". International Journal of Research and Review 11, n.º 11 (29 de novembro de 2024): 575–91. https://doi.org/10.52403/ijrr.20241159.
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This study explores the factors influencing the behavioural intention of Mobile Money services in Vietnam. To address the research problem, the author has combined the UTAUT2 model [1] with the Push-Pull-Mooring model [2]. The data collection was conducted from March to July 2024 across three regions of Vietnam: the North, Central, and South. The collection methods included both direct surveys and online surveys via Google Forms, distributed through social networks such as Facebook and Zalo. A total of 1,784 participants responded, of which 1,576 valid responses were obtained. Among them, 369 respondents had never heard of Mobile Money, while 1,180 were already aware of the service. Key findings are: (i) The study develops a research model regarding factors influencing the behavioural intention of Mobile Money services in the context of Vietnam, which consists of three groups of factors. The pull factor is reflected in Performance expectancy, Effort expectancy, facilitating conditions, and transaction trends. The push factor is represented by perceived costs and perceived risks, while the mooring factor is reflected in social influence and trust. (ii) The push factor has the strongest negative impact on consumer intentions to use the service, while the pull factors positively affect the behavioural intention. Mooring factor has both a positive impact on intention and play a moderating role in the relationship between the pull and push factor and the behavioural intention of MM service. Keywords: Fintech, network provider, mobile finance, mobile money, mobile payment, telco account.
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Wiguna, Tansa, Aulia Putri Restu Rahayu e Soetam Rizky Wicaksono. "Decision support system funding on the website of Dana Syariah using the Simple Additive Weighting method". Borobudur Informatics Review 1, n.º 2 (6 de dezembro de 2021): 77–89. http://dx.doi.org/10.31603/binr.5382.
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Dana Syariah is a Sharia-based Fintech P2P Financing company that is licensed and supervised by the Financial Services Authority (OJK). Focusing on property funding and registered since June 8 2018. From June 2018 – March 2021, Dana Syariah provides financing with a nominal value of approximately Rp. 1.28 trillion and around 62 thousand active lenders provide loans that are used by 1000 property project units. To get results as needed in choosing funding, a decision support is needed using the SAW method. The basic concept of the SAW method is to search for a weighted sum based on a rating for each available alternative in all attributes. The SAW method is known by two attribute terms, namely the benefit criteria and the cost criteria. The difference between these two criteria is part of the selection of criteria when making decisions. The criteria applied include: (1) Project Tenor/Duration (2) Annual Returns/Results (3) Collateral (4) Project Owner. After determining the criteria and weighting, then you can determine the scale with the provisions of the assessment for each criterion. The SAW method can be scientifically proven and can be used in logic to support decision making. In procurement or funding on the Dana Syariah website, an analysis of several available funding programs is carried out. The results of this study, based on 6 objects, there are 3 objects that have a similar rating with the first recommendation ranking.
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Srivastava, Madhu. "THE IMPACT OF THE COVID-19 PANDEMIC ON INDIA'S ECONOMIC LANDSCAPE". INTERNATIONAL JOURNAL OF ADVANCED RESEARCH IN COMMERCE, MANAGEMENT & SOCIAL SCIENCE 07, n.º 04(I) (31 de dezembro de 2024): 288–93. https://doi.org/10.62823/ijarcmss/7.4(i).7168.
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The COVID-19 pandemic brought unprecedented economic disruptions to India, affecting multiple sectors, employment, trade, and financial stability. The nationwide lockdown imposed in March 2020 resulted in a sharp contraction of GDP, declining by 7.3% in the fiscal year 2020-21. Businesses across industries, especially in manufacturing, tourism, and retail, faced severe downturns, leading to massive job losses, especially in the informal sector. Migrant workers were the most hit, and millions lost their jobs and were compelled to return to their home towns. The critical sectors like agriculture and health were resilient but supply chain halts and declining demand took its toll on the industrial production. In order to offset the economic hardship, the Indian government introduced several policy interventions, such as the Atmanirbhar Bharat stimulus package, monetary policy intervention by the Reserve Bank of India (RBI), and social protection programs for the poor and vulnerable. The crisis also facilitated digitalization, with companies and consumers embracing digital payments, e-commerce, and remote work applications at a speedy pace. Fintech and edtech spaces experienced unprecedented upsurge, while conventional business models experienced a paradigm shift. In spite of these efforts to recover, India has long-term challenges such as inflationary pressure, financial system vulnerabilities, and supply chain difficulties in the international economy. Enhanced public health infrastructure, innovation promotion, and structural economic reforms will be essential to long-term resilience. This paper analyzes the short-term economic consequences of COVID-19 in India, assesses government interventions, and discusses the recovery path with a focus on the role of digitalization, policy support, and sectoral adaptability to determine India's post-pandemic economic direction.
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Nigora Rajabovna, Abduraimova. "OPERATION OF INTERNATIONAL FINANCIAL CENTERS DURING THE PANDEMIC". International Journal of Advanced Research 9, n.º 01 (31 de janeiro de 2021): 408–23. http://dx.doi.org/10.21474/ijar01/12311.
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The rapid spread of coronavirus (COVID-19) has dramatic impacts on financial markets all over the world. It has created an unprecedented level of risk, causing investors to suffer significant loses in a very short period of time. This paper aims to map the general patterns of country specific risks and systemic risks in the global financial markets and financial markets. It also analyses the potential consequence of policy interventions, such as the US decision to implement a zero-percent interest rate and unlimited quantitative easing (QE), and to what extent these policies may introduce further uncertainties into global financial markets. This paper highlights the enormous economic and social impact of COVID-19 with respect to articles that have either prognosticated such a large-scale event, and its economic consequences, or have assessed the impacts of other epidemics and pandemics. A consideration of possible impacts of COVID-19 on financial markets and institutions, either directly or indirectly, is briefly outlined by drawing on a variety kinds of literatures. A consideration of the characteristics of COVID-19, along with what research suggests have been the impacts of other past events that in some ways roughly parallel COVID-19, points toward avenues of future investigation. This paper offers an informed commentary on the actual and potential impacts of the pandemic on financial markets, sector and centres, grounded in literature on financial centres, the state-finance nexus, and trends affecting the landscape of finance since the global financial crisis. We expect a slowdown in new financial regulation, continued firm-level consolidation, and a continued rise of business services related to finance. The application of new financial technologies is likely to accelerate, affecting retail banking in particular, but will not necessarily be led by FinTech firms. Local and regional financial centres are likely to face larger challenges than leading international centres. As the panic and partial recovery in financial markets in March and April 2020 highlighted the significance of the international monetary hierarchy, with the US$ in the lead, a radical shift of financial power to Asia seems unlikely.
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Nadia Nurul Izza, Mia Sari, Mughnii Kahila e Solahuddin Al-ayubi. "A Twitter Sentimen Analysis on Islamic Banking Using Drone Emprit Academic (DEA): Evidence from Indonesia". Jurnal Ekonomi Syariah Teori dan Terapan 10, n.º 5 (30 de setembro de 2023): 496–510. http://dx.doi.org/10.20473/vol10iss20235pp496-510.
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ABSTRACT The research aimed to identify and collect issues discussed regarding Islamic banking from user activity, sentimen, and content on Twitter. This study used a qualitative approach by collecting data on 145,475 conversations from Twitter using the Twitter Crawling technique with the Drone Emprit Academy (DEA) engine from 28 July 2020 – 10 March 2023 in Indonesia. Text data mining is used with the help of the DEA system by analyzing sentimen, Social Network Analysis (SNA), and other Twitter data analysis. The results showed that the highest number of tweets related to Islamic banking came from the number of tweets which were dominated by millennials and millennials with positive sentimens of 66%, then negative sentimens of 28% and neutral sentimens of 5%. From these results, both positive, negative and neutral sentimens are a challenge for various stakeholders in the field, including academics, government and others, in a more massive manner to explain and provide a more solid and stronger understanding of Islamic finance, especially Islamic banking.Keywords: Islamic Banking; Sentimen Analysis; Twitter; Academic Emprit Drone ABSTRAKPenelitian bertujuan untuk mengindetifikasi dan mengumpulkan isu yang dibahas terkait perbankan syariah dari aktivitas pengguna, sentimen, dan konten di Twitter. Metode ini menggunakan pendekatan kualitatif dengan mengumpulkan data 145.475 percakapan dari Twitter menggunakan teknik Twitter Crawling dengan mesin Drone Emprit Academy (DEA) dari tanggal 28 Juli 2020 – 10 Maret 2023 di Indonesia. Text data mining digunakan dengan bantuan sistem DEA dengan menganalisis sentimen, Social Network Analysis (SNA), dan analisis data Twitter lainnya. Hasil penelitian menunjukkan jumlah tweet tertinggi terkait perbankan syariah berasal dari jumlah tweet yang didominasi oleh kaum millennials dan zillenial dengan sentimen positif sebesar 66%, kemudian sentimen negatif 28% dan sentimen netral sebesar 5%. Dari hasil tersebut, baik sentimen positif, negative, maupun netral menjadi tantangan bagi berbagai pemangku kepentingan di lapangan, termasuk akademisi, pemerintah, dan lainnya, secara lebih massif untuk menjelaskan dan memberikan pemahaman yang lebih kokoh dan kuat tentang keuangan syariah khususnya perbankan syariah. Kata Kunci: Perbankan Syariah, Analisis Sentimen, Twitter, Drone Emprit Akademik REFERENCES Ahmad, A., Sohail, A., & Hussain, A. (2021). Emergence of financial technology in Islamic banking industry and its influence on bank performance in covid-19 scenario: A case of developing economy. Gomal University Journal of Research, 37(1), 97-109. Alotaibi, M. S. (2013). The Impact of Twitter on Saudi banking sectors in the presence of social media: An evaluative study. International Research: Journal of Library & Information Science, 3(4), 618–630. Anwar, S. A. (2019). Revolusi industri 4.0 Islam dalam merespon tantangan teknologi digitalisasi. At Tuhfah: Jurnal Studi KeIslaman, 8(2), 16-28. doi:10.36840/jurnalstudikeislaman.v8i2.203 Anwar, S., Marlius, D., & Badri, J. (2022). Sharia bank in the middle of the disruptive era. Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan, 7(2), 139-151. doi:10.15548/al-masraf.v7i2.416 Arianto, B. (2021). Media Sosial sebagai Saluran Aspirasi Kewargaan: Studi Pembahasan RUU Cipta Kerja. Jurnal PIKMA : Publikasi Ilmu Komunikasi Media dan Cinema, 3(2), 107–127. doi:10.24076/pikma.v3i2.469 Bank Indonesia. (2021). Laporan Perekonomian Indonesia 2021. Retrieved from https://www.bi.go.id/id/publikasi/laporan/Pages/LPI_2021.aspx Bappenas. (2018). Masterplan ekonomi syariah Indonesia 2019-2024. Retrieved from https://kneks.go.id/storage/upload/1573459280-Masterplan%20Eksyar_Preview.pdf Cahyono, E. F., Rani, L. N., & Kassim, S. (2020). Perceptions of the 7P marketing mix of Islamic banks in Indonesia: What Do Twitter Users Say About It? International Journal of Innovation, Creativity and Change, 11(11), 300–319. Dang-Xuan, L., Stieglitz, S., Wladarsch, J., & Neuberger, C. (2017). An investigation of influentials and the role of sentimen in political communication on Twitter during election periods. Information, Communication and Society, 16(5), 1-31. doi:10.1080/1369118X.2013.783608 Fahmi, D. Y., Hartoyo, & Zulbainarni, N. (2021). Mining Social Media (Twitter) Data for Corporate Image Analysis: A Case Study in the Indonesian Mining Industry. Journal of Physics: Conference Series, 1811, 1-10. doi:10.1088/1742-6596/1811/1/012107 Fahmi, I. (2016). Drone Emprit: Software for media monitoring and analytics. 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Faraid & Wealth Management, 2(1). doi:10.58968/fwm.v2i1.161 Jackson, S. J., Bailey, M., & Welles, B. F. (2018). #GirlsLikeUs: Trans advocacy and community building online. New Media and Society, 20(5), 1868–1888. doi:10.1177/1461444817709276 Liang, F., & Lu, S. (2023). The dynamics of event-based political influencers on Twitter: A longitudinal analysis of influential accounts during Chinese political events. Social Media+ Society, 9(2), doi:20563051231177946. Liu, B. (2015). Sentimen analysis: Mining opinions, sentimens, and emotions. Cambridge: The Cambridge University Press. McCombs, M., & Valenzuela, S. (2020). Setting the agenda: Mass media and public opinion (3rd edition). New York: John Wiley & Sons. Miftahuddin, A., Perdana, Y., & Sandjaya, T. (2023). Persepsi masyarakat terhadap tren perkembangan industri halal di media sosial: Analisis respons di Indonesia. Responsive: Jurnal Pemikiran dan Penelitian Bidang Administrasi, Sosial, Humaniora, dan Kebijakan Publik, 5(4), 233–238. doi: 10.24198/responsive.v5i4.44555 Mosioi, H. B. S. O., & Mailoa, E. (2021). Analisa sentimen publik terkait Otonomi Khusus (OTSUS) di Papua dengan pendekatan sains data. Prosiding Seminar Nasional Sistem Informasi dan Teknologi (SISFOTEK), 5(1), 153–156. Mude, G., & Undale, S. (2023). Social media usage: A comparison between generation Y and generation Z I India. International Journal of E-Business Research, 19(1), 1–20. doi:10.4018/ijebr.317889 OJK. (2020). Indonesia Islamic banking development roadmap. Retrieved from https://ojk.go.id/en/kanal/syariah/berita-dan-kegiatan/publikasi/Pages/Indonesia-Islamic-Banking-Development-Roadmap.aspx OJK. (2020). Strategi nasional literasi keuangan Indonesia 2021-2025. 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Felippe, Gibran, e Luís Pérez Zotes. "L’avenir du marché financier national : Moment d’innovation des FinTech dans la transformation de l’environnement bancaire national". Revista Científica Multidisciplinar Núcleo do Conhecimento, 14 de outubro de 2020, 31–62. http://dx.doi.org/10.32749/nucleodoconhecimento.com.br/comptabilite/marche-financier.
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Le système bancaire brésilien est dans une phase de maturité propice à la réception d’un nouveau venu qui, suivant la tendance mondiale, sont fintechs[3]. De cette façon, ces entreprises qui utilisent la technologie pour fournir des services financiers commencent à avoir un impact sur le marché financier national, ce qui pourrait entraîner le potentiel de secouer les résultats des grandes sociétés financières du pays. Cet article a un large aperçu de la concentration du marché bancaire national, par rapport aux normes mondiales, ainsi que la dimension des opportunités pour les nouveaux entrants grâce à des technologies établies par les startups[4], dans un processus irréversible en termes d’innovation. La méthodologie utilisée ici était fondée sur un examen approfondi de la littérature qui a permis d’identifier et de conséquences les principaux impacts de ce nouvel ordre financier, dans lequel la taille n’est plus si pertinente, compte tenu de la mise en œuvre de nouvelles pratiques pour un éventail constamment renouvelé de clients. Les nouveaux entrants sur le marché financier devraient être véritablement axés sur le client, agiles et capables de s’adapter à un environnement en évolution rapide, compétents pour travailler avec les entreprises dans un écosystème complexe de partenariats et de marchés. Ils devraient rechercher l’excellence dans l’analyse des données, la tarification dynamique et la construction de technologies qui permettent de développer et de mettre en œuvre de nouvelles fonctionnalités. Nouveaux besoins, pratiques, sans les symboles de statut bancaire.
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Nicolaus, Alex. "Case study: Why Paysend is moving to remote-first working". Strategic HR Review ahead-of-print, ahead-of-print (13 de setembro de 2021). http://dx.doi.org/10.1108/shr-06-2021-0027.
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Purpose With the COVID-19 pandemic causing businesses to shake up social and work practices, the purpose of this paper is to explore why global fintech Paysend has decided to shift toward a new norm of remote-first working. Design/methodology/approach A real-world case study. Findings Although some organizations, especially larger ones, are urging employees to return to a daily office commute, a remote first set up is definitely here to stay. Originality/value Paysend was one of the very first fintechs that moved to a fully remote model at the start of the pandemic in early March 2020.
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Haris, Muhammad. "SYNERGY BANK SYARIAH AND FINANCIAL TECHNOLOGY IN DEVELOPMENT OF MICRO, SMALL AND MEDIUM BUSINESSES IN INDONESIA". Jurnal Reviu Akuntansi dan Keuangan 10, n.º 1 (1 de abril de 2020). http://dx.doi.org/10.22219/jrak.v10i1.11258.
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ABSTRACTThe purpose of this study is to analyze the synergy between sharia bank and fintech to effort and develop micro, small and medium enterprises (MSMEs) in Indonesia. Data and information were obtained through interview to expert respondents in their fields such as BNI Syariah, Ammana Fintek Syariah and the Otoritas Jasa Keuangan (OJK). This study has been conducted from July 2018 to March 2019. To provide a deep understanding, this study uses a qualitative approach. The results of the study to show that the opportunity to create synergy between Sharia Bank and Sharia Fintech in order to develop MSMEs in Indonesia is still very wide open. This synergy can be done through several existing patterns or synergy models, including through cross-selling schemes, channeling, references, shadow investors, outsourcing platform and Fintech consortium. The benefits of this synergy include empowering MSMEs, facilitating financial services that are practical, comfortable, safe, have speed, sophistication and up-to-date and are more efficient. The challenges ahead are in terms of human resources competence and support from regulators for policy relaxation. Risks that must be properly mitigated from these synergies, such as the risk of credibility, technology, default and operations.KEYWORDS: Synergy, Sharia Bank, Financial Technology (Fintech), Micro, Small and Medium Enterprises
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Huong, Hoang Dinh. "Managerial Accounting and Fintech in Listed Telecommunication Enterprises". Salud, Ciencia y Tecnología - Serie de Conferencias 3 (30 de dezembro de 2024). https://doi.org/10.56294/sctconf2024.1419.
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Abstract structured in: FinTech has transformed various fields, including accounting. Solutions such as cloud accounting, big data, and advanced digital automation processes have fundamentally reshaped accounting practices. While offering opportunities for accountants, these advancements also challenge their adaptability in the context of the Fourth Industrial Revolution.Introduction: Recent studies have primarily focused on FinTech applications in insurance, banking, and securities but have yet to clarify factors influencing the adoption of FinTech in managerial accounting within listed telecommunication enterprises. Based on the Technology Acceptance Model (TAM) proposed by (13), this paper conducts an empirical study to address the research gap.Methods: Data were collected from 155 accountants and accounting managers working at listed telecommunication enterprises through an online survey using Google Forms from March 2024 to November 2024. Using quantitative research methods, specifically Partial Least Squares Structural Equation Modeling (PLS-SEM), along with SPSS and AMOS 20 software, the study provides evidence that FinTech has significantly impacted and reshaped managerial accounting in enterprises.Results: This is reflected in three key factors: 1) FinTech applications in managerial accounting help reduce accounting costs. 2) FinTech applications provide reliable managerial accounting information. 3) FinTech applications help mitigate risks. However, in smaller telecommunication enterprises, FinTech adoption remains underemphasized. Conclusions: This research contributes both theoretical and practical insights, motivating listed enterprises to digitalize FinTech technologies in their accounting activities. For smaller enterprises, further consideration and time are necessary for effective adoption
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Alamoudi, Hawazen, Richard Glavee-Geo, Majed Alharthi, Raigul Doszhan e Maiya M. Suyunchaliyeva. "Exploring trust and outcome expectancy in FinTech digital payments: insights from the stimulus-organism-response model". International Journal of Bank Marketing, 13 de janeiro de 2025. https://doi.org/10.1108/ijbm-04-2024-0252.
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PurposeThis study uses the S-O-R theory to examine how trust and outcome expectancy influence usage and advocacy. It also analyzes the moderating role of trust in a low-trust society and the differences between low-trust and high-trust consumer segments.Design/methodology/approachOur analysis was based on a sample of 400 responses collected using a pre-tested survey during January–March 2023. Purposeful and snowball sampling techniques were used to select the study participants. The research model was estimated using the SmartPLS 4.0 statistical application.FindingsThe findings revealed that outcome expectancy strongly predicts consumer trust. While word of mouth was impacted more by trust than usage behavior, trust was found to be a stronger predictor of recommendation behavior of FinTech digital payment systems than usage behavior. We distinguished between consumers with low trust (“misbelievers”) and those with high trust (“believers”). We found that the effect of outcome expectancy on usage behavior was more substantial for “misbelievers” than “believers.”Practical implicationsThe study’s findings have practical implications for business and marketing executives, regulators, FinTech companies and the banking and payment industry in designing strategies for gaining consumer trust, promoting consumer recommendation behavior and using FinTech innovations.Originality/valueThis research’s originality lies in applying the S-O-R theory to the digital payment context within FinTech. It examined consumer trust dynamics and outcome expectancy dynamics, particularly in the underresearched setting of developing countries known for their low-trust environments. Also, the study introduces a methodological innovation by employing multigroup analysis to “decompose” moderation associations, offering more profound insights into the influence of trust on the adoption and sustained use of FinTech services.
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Ranjan, Piyush, e Pradeep Chintale. "ADAPTING CLOUD THREAT DETECTION AND RESPONSE FOR THE DISPERSED FINTECH WORKFORCE Article • March 2022". SSRN Electronic Journal, 2024. https://doi.org/10.2139/ssrn.5054443.
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Xia, Huosong, Siyi Chen, Justin Z. Zhang e Yulong Liu. "Superposition effect of online news on fintech platforms". International Journal of Emerging Markets, 16 de junho de 2023. http://dx.doi.org/10.1108/ijoem-10-2022-1525.
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PurposeThe rise of the mobile Internet has accumulated much text information in various online financial forums. Such information often contains the emotional attitudes of investors toward financial technology (fintech) platforms, so extracting the sentimental tendency information has great practical value for the development of fintech platforms. Based on the investor sentiment theory, the paper aims to analyze the relevant social media data and test the influence path of online news evaluation on the stock price fluctuation of fintech platforms.Design/methodology/approachTaking Oriental Fortune as the research object, this paper selects multiple variables such as stock bar popularity, snowball popularity, news popularity and news sentiment scores collected by UQER and combines the sentiment scores of single daily news into a daily sentiment score. Based on the period from November 1, 2019 to March 31, 2020, during the emergence of the coronavirus disease 2019 (COVID-19) pandemic as the background, the authors conduct the Granger causality test based on the vector autoregressive (VAR) model and analyze the relevant evaluation of Oriental Fortune through the empirical model.FindingsThe authors' results show that different online evaluations impact the rise and fall of stock prices differently, while news popularity has the most significant impact. Besides, news sentiment scores on share price fluctuation have a relatively substantial influence. These findings indicate that the authoritative news evaluation can strongly guide investors to make relevant investment behavior operations in the information dissemination process, significantly affecting stock prices.Originality/valueThe research findings of this paper have good inspiration and reference values for investors and financial regulators.
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Ben-David, Itzhak, Mark J. Johnson e René M. Stulz. "Models behaving badly: The limits of data-driven lending". Review of Finance, 3 de fevereiro de 2025. https://doi.org/10.1093/rof/rfaf009.
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Abstract Data-driven lending relies on the calibration of models using training periods. We find that this type of lending is not resilient in the presence of economic conditions that are materially different from those experienced during the training period. Using data from a small business fintech lending platform, we document that the small business credit supply collapsed during the COVID-19 crisis of March 2020 even though the demand for loans doubled relative to pre-pandemic levels. As the month progressed, most lenders significantly reduced or halted their lending activities, likely due to the heightened risk of model miscalibration under the new economic conditions.
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-, Samriti Arora. "India's Unicorn Startup". International Journal For Multidisciplinary Research 6, n.º 2 (1 de abril de 2024). http://dx.doi.org/10.36948/ijfmr.2024.v06i02.15703.
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This study investigates the rise of unicorn startups, valued at over $350 billion as of March 2024, focusing on their existence, growth factors, and their impact on the Indian economy. It examines various startup schemes that are provided by the government, especially to women entrepreneurs. Furthermore, it explores sectors that significantly contribute to growth, such as E-commerce, Fintech, and Healthtech, along with a geographical breakdown of unicorn startups, with Bangalore emerging as a major hub. Major factors influencing startups include product uniqueness, business model, population, and internet adoption. Additionally, the study highlights how internet adoption and digital innovation assist startups in growing and achieving unicorn status. It also examines the average time taken for a unicorn startup to emerge in India, considering factors influencing its growth. Moreover, it evaluates the impact of unicorn startups on GDP growth and employment opportunities.
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Bortoluzzo, Adriana Bruscato, Andrea Minardi, Mauricio Mesquita Bortoluzzo e Marcella Magda de Abreu Andrade Fernandes. "Assessing the Impact of COVID-19 on Banks’ Profitability: The Role of Size in an Emerging Economy". Global Business Review, 12 de junho de 2024. http://dx.doi.org/10.1177/09721509241252416.
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This work investigates the impact of the COVID-19 crisis on Brazilian banks’ profitability, and if the impact was stronger for smaller banks. Brazil was highly affected by COVID-19 crisis, has a highly concentrated banking sector, and is well known for the high technology of its financial market. We collected information from 42 banks on the quarterly financial statements available in Brazilian Central Banks during the period between January/2016 and March/2021. We ran Arellano–Bond generalized method of moments dynamic panel regression and our results confirm that the COVID-19 crisis negatively impacted the profitability of the Brazilian banks and that large banks were the most affected. Brazilian government adopted anti-crisis measures that relaxed regulations in order to decrease credit spreads. This may have alleviated the impact of the crises on small banks and also encouraged the appearance of fintech companies, which competed directly with banks.
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Krogstrup, Signe, e Thomas Sangill. "New Technologies and the Future Governance of Bank Run Risk". Journal of Financial Regulation, 14 de março de 2024. http://dx.doi.org/10.1093/jfr/fjae001.
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ABSTRACT The banking turmoil in March 2023 and the associated public interventions to prevent or reduce the risk of a systemic fallout underscore the fact that despite banking systems being in a much better shape in many countries relative to the position prior to the global financial crisis, some bank run risk remains. In fact, bank run risk may be increasing. As fintech and new technologies transform banking, uninsured deposits may become near-perfectly mobile, making bank runs all but inevitable if the governance of the financial system is not appropriately adapted. In this article we discuss how digitalization and new technologies can affect bank run risk and we look at approaches to adapting governance to containing related systemic vulnerabilities in the banking system. We also briefly consider how central bank digital currencies could fit into future frameworks. We conclude that there is no silver bullet, but that adjusting frameworks will become necessary if bank deposit mobility increases.
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Yudaruddin, Rizky. "Bank lending during the COVID-19 pandemic: do alliances and digital strategies matter?" Managerial Finance, 26 de dezembro de 2022. http://dx.doi.org/10.1108/mf-04-2022-0167.
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PurposeThis paper investigates the joint impact of COVID-19, alliances and digital strategies on bank lending. Additionally, this study examines whether the effect of COVID-19, alliances and digital strategies on bank loans depends on the types of banks.Design/methodology/approachUsing a sample of 92 commercial banks in Indonesia from March 2020 to September 2021, a fixed-effects model (FEM) was used to analyze data.FindingsThis study provides robust results regarding the negative impact of the COVID-19 pandemic on bank loans in Indonesian banking. Furthermore, it reveals that collaboration between banks and FinTech does not substantially influence bank lending, despite the rise in proven cases tending to reduce credit expansion. It emphasizes the importance of the development of mobile banking as part of digitalization in boosting loan bank expansion, and this finding is more noticeable in private and small banks.Practical implicationsThis study highlights some policy recommendations to improve bank lending during the COVID-19 period, particularly the role of new alliances and digital strategy in involving COVID-19 pandemic mitigation within a novel financial ecosystem.Originality/valueThis study offers a significant contribution to the empirical literature that specifically explores the joint impact of the COVID-19 pandemic, alliances and digital strategies on bank lending in banking.
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Sanchez-Moyano, Rocio. "Lessons Learned from Small Business Lending During COVID-19: A Case Study of the California Rebuilding Fund". Federal Reserve Bank of San Francisco, Community Development Research Brief Series, 31 de maio de 2022, 01–38. http://dx.doi.org/10.24148/cdrb2022-3.
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As the COVID-19 pandemic forced California businesses to shut down in March 2020, the fate of small businesses, which often had fewer reserves to draw upon when trying to survive the shutdowns, became particularly concerning. Federal aid measures, including the Paycheck Protection Program (PPP), brought relief to many business owners, but their deployment also confirmed what many small business advocates feared: business owners in the most vulnerable communities and underrepresented business owners often struggled to obtain assistance. At the same time, small business lending capital dried up. Many banks and fintechs slowed their lending. Mission-driven lenders with experience serving underrepresented communities—like community development financial institutions (CDFIs)—received more applications than they could possibly fund and had limited established channels to attract new funding quickly. A coalition that spanned government, universities, small business advocates, lenders, and concerned private citizens came together to design a solution that would leverage public funds with private dollars to provide low-cost capital to small businesses that were rebuilding after COVID-19 via loans from CDFIs. The result was the California Rebuilding Fund (CARF). This report provides a brief history of the creation of the CARF; details its structure, loan terms, and application process; highlights lessons learned from its creation and implementation; and looks forward as this fund continues to operate in California and as other states or localities consider establishing similar funds.
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Sanchez-Moyano, Rocio. "Lessons Learned from Small Business Lending During COVID-19: A Case Study of the California Rebuilding Fund". Federal Reserve Bank of San Francisco, Community Development Research Brief Series, 31 de maio de 2022, 01–38. http://dx.doi.org/10.24148/cdrb2022-03.
Texto completo da fonteResumo:
As the COVID-19 pandemic forced California businesses to shut down in March 2020, the fate of small businesses, which often had fewer reserves to draw upon when trying to survive the shutdowns, became particularly concerning. Federal aid measures, including the Paycheck Protection Program (PPP), brought relief to many business owners, but their deployment also confirmed what many small business advocates feared: business owners in the most vulnerable communities and underrepresented business owners often struggled to obtain assistance. At the same time, small business lending capital dried up. Many banks and fintechs slowed their lending. Mission-driven lenders with experience serving underrepresented communities—like community development financial institutions (CDFIs)—received more applications than they could possibly fund and had limited established channels to attract new funding quickly. A coalition that spanned government, universities, small business advocates, lenders, and concerned private citizens came together to design a solution that would leverage public funds with private dollars to provide low-cost capital to small businesses that were rebuilding after COVID-19 via loans from CDFIs. The result was the California Rebuilding Fund (CARF). This report provides a brief history of the creation of the CARF; details its structure, loan terms, and application process; highlights lessons learned from its creation and implementation; and looks forward as this fund continues to operate in California and as other states or localities consider establishing similar funds.