Objective – Based on theoretical considerations, this paper focuses on (1) the adoption level of Low Loss Microwave Transmission Glass (LLMTG), which encompasses as new innovation among users in Malaysia and (2) investigates the influences of innovation characteristics towards low loss...

Many households in developing countries lack formal financial histories, making it difficult for firms to extend credit, and for potential borrowers to receive it. However, many of these households have mobile phones, which generate rich data about behavior. This article shows that behavioral...

Financial inclusion and digital payment use remain low in Peru. There is extensive literature on the determinants of deposit account access as a measure of financial inclusion, but few studies focus on digital payment use, and none addresses the Peru case at the micro level. This paper uses data...