The present study investigates how increasing bank accounts and bank concentration affect mobile money innovations in 148 countries. It builds on scholarly and policy concerns in the literature that increasing bank accounts may not be having the desired effects on financial inclusion on the one...

Over the past decade, banks have heavily invested in technological development, bringing hope to many underserved customers. However, the benefits of bank digitalization for small & medium-sized enterprises (SMEs) remain ambiguous. Using a sample of 179,921 SMEs and their borrowing relationships...

Over the past few years, the concept of a Digital Banking and Fintech Sandbox has emerged as a powerful force for driving innovation and fostering financial inclusion, especially in emerging economies that grapple with various challenges in providing access to essential financial services. A...

Based on the relationship between fintech and bank performance and the role of mobile applications in bank operations, we investigate the impact of mobile banking application (MBA) ratings on bank service income. The quarterly data from the 15 biggest Vietnamese commercial banks in 2019-2020...

- The emergence of neo-banks in India and the UK reflects the increasing demand for digital financial services. The dawn of the digital age in the financial sector has paved the way for increased alliances between incumbents and ‘fintech’ organizations.- Neo-banks, digital-only banks that...

Purpose – This research study aimed to investigate the factors that influence the adoption of digital banking during the COVID-19 pandemic among self-help groups (SHGs).Design/methodology/approach – The study employed a mixed-methods design with utilizing Google Trends Analysis (GTA) to...

While banks historically offer a litany of different credit and depository products to their local customers, technological innovation and consumer preferences have spurred growth of online banks specializing in particular activities across broad geographic areas. This paper analyzes the...

Financial technology has been reshaping commercial banking. It has the potential to radically alter the transmission of monetary policy, by lowering search costs and expanding bank markets. This paper studies the reaction of online banks to changes in federal fund rates. We find that these banks...

This study seeks to understand the impact that neo banking has had on the financial inclusion of the youth population in Bangalore. This study will also evaluate what challenges remain in terms of full-fledged financial inclusion of the youth and what steps must be taken in order to overcome...