Financial Digitalisation Driving 3D Printing Utilisation and Enhancing Operational Performance in the Indian Textile Industry (Industria Textila)

Summary

• The study draws on 580 customers, 90 credit employees and 35 digital banking administrators to assess digital banking, loan dependence and 3D printing utilisation in Indian textiles.p.1
• Digital credit availability improves supply chain agility, with a path coefficient of 0.524 and a t-value of 13.991.p.5
• Digital banking accessibility improves production flexibility, with a path coefficient of 0.461 and a t-value of 10.337.p.6
• Mobile banking has a positive effect on raw material procurement, with a path coefficient of 0.498.p.7
• Digital banking transparency strengthens vendor coordination, with a path coefficient of 0.512.p.7
• Digital credit availability (f2 = 0.367) and digital banking adoption (f2 =0.312) were the most significant factors.p.8

Key insights

1. Data were collected from 705 participants across five textile clusters.p.3
2. Digital banking adoption is expected to raise 3D printing utilisation within textile production.p.4
3. HTMT values range from 0.661 to 0.786, confirming discriminant validity of the constructs.p.5
4. The R2 value for 3D process integration is 0.421.p.7
5. Supply chain agility obtained the highest Q2 value of 0.394, indicating excellent predictive relevance.p.9
6. Path coefficients between 0.61 and 0.88 show strong correlations between digital banking components and 3D printing adoption.p.10