Analysis of Fintech Application Utilization on Financial Inclusion: A Literature Review
Indonesia's 2024 National Survey on Financial Literacy and Inclusion reported a 75.02% financial inclusion index.
Academic research
Research index · 685 documents · Website
Risk Return Dynamics and Portfolio Performance of Islamic Microfinance Institutions: Evidence from Post-Digital Transformation Era
The research article published in Vol. 2 No. 4 (2026) develops a theoretical risk-return framework to evaluate Islamic microfinance institutions in the post-digital transformation era.
FinTech-Driven Transformation of Financial Management: Evaluating Digital Innovation, Risk Management, and Strategic Decision-Making
The World Bank Firm Adoption of Technology Survey analytical dataset for India comprises 1,519 establishments and 987 variables.
Design and Development of a Web-Based Digital Credit Service and QRIS Transaction System
The PayQRIS system achieved a System Usability Scale (SUS) score of 83.25, indicating high usability.
Ways to Implement Innovative Technologies in the Development of Digital Banking Services
As of January 1, 2025, the total number of users of remote banking service systems in Uzbekistan reached 52,917,166, comprising 51,455,447 individuals and 1,461,719 legal entities and individual entrepreneurs.
Service Quality Assessment of Cryptocurrency Exchanges Using the Fermatean Fuzzy TOPSIS Method: A Robust Multi-Criteria Framework with AI-Based Comparative Analysis
The study evaluates cryptocurrency exchange service quality across 20 sub-criteria derived from 4 main dimensions of the ES-QUAL scale.
Fintech Adoption and Firm Performance: Mechanisms, Contingencies, and the Limits of Current Evidence
SWIFT diffusion among nearly 7,000 banks demonstrated that profitability benefits materialized only after several years of adoption.
Emerging Technologies, Organizational Change, and Financial Innovation: A Multi-Country Study from the Arab Region
Primary data was gathered from 2,168 investors, fintech users, and financial professionals across seven Arab countries to evaluate regional digital transformation.
Stablecoin Development Pathways: A Comparative Analysis of Regulatory Logic and Market Landscape in China and the United States
By mid-2026, the aggregate global stablecoin market capitalization reached roughly $280 billion, with dollar-pegged instruments comprising over 92% of circulating supply.
AgriVerse: An AI-Driven Agri-FinTech Decision Intelligence Platform
Smallholders cultivating less than 2 hectares make up the majority of the rural agricultural workforce in India.
The Dependence on Banking as a Service in White Label Fintechs: Impacts on Security and Operational Continuity in Brazil
A study recorded 3,069 fintechs in Latin America and the Caribbean at the end of 2023, up from 703 in 2017.
The Authorisation of Crypto-Asset Service Providers (CASPs) in the EU Under the Markets in Crypto-Assets Regulation (MiCAR)
Title V of Regulation (EU) 2023/1114 governs crypto-asset service providers across all Member States starting from 20 December 2024.
The Effect of CAR, NPL, LDR, and BOPO on Net Interest Margin (NIM) in Digital Banks in Indonesia for the 2021-2026 Period
The study evaluates a balanced panel of 6 digital banks listed on the Indonesia Stock Exchange covering 108 quarterly observations from 2021Q4 to 2026Q1.
Investment Management in the Digital Economy
The research paper published in Volume 15, Number 1 examines the core digital technologies revolutionising global investment management.
Digitalization of a Credit Institution: Its Impact on Clients' Credit Behavior
The study evaluated fifty (50) clients with active loan accounts in Gubat, Sorsogon to assess the impact of credit institution digitalization on client behavior.
Using Artificial Intelligence to Predict Financial and Administrative Risks: An Applied Study at the International Development Bank for Investment and Finance (2015–2024)
The study evaluates the impact of deploying artificial intelligence techniques to predict financial and administrative risks at the International Development Bank for Investment and Finance over the period 2015–2024.
Issues in Improving Auditing Practices in Uzbekistan
In the first quarter of 2026, Uzbekistan had 176 audit firms and 1,337 certified auditors, reflecting year-on-year increases of 10 per cent and 9 per cent, respectively.
Implementation of Machine Learning for Waqif Honesty Detection in Blockchain-Based Digital Waqf Systems
The study integrated the Ethereum Fraud Detection Dataset containing 9,841 transactions and 51 attributes with digital waqf system behavioral data.
Intelligent Financial Fraud Detection Using Machine Learning Techniques
The proposed Extreme Gradient Boosting (XGBoost) model achieved a highest accuracy of 97.2% in differentiating legitimate and suspicious banking transactions.
UPI Fraud Shield: Real-Time Explainable Financial Fraud Detection and Proactive Early Warning Using Graph Neural Networks
UPI Fraud Shield is a prototype designed to monitor digital payment fraud in real time using tabular learning, graph neural networks, explainable AI, and an early-warning layer.
DL-RL: Dual-Layer Graph Neural Networks with Curriculum Reinforcement Learning for Financial Fraud Detection
Financial fraud imposes estimated annual global losses exceeding $5.1 trillion, while digital payment fraud grows at over 30% per year.
Relationship Between Risk Perception, Trust, and Adoption of Cryptocurrency-Based Payment Systems in Africa
The study conducts a structured review of literature spanning from 2018 to 2025 to synthesize how behavioral and contextual factors influence cryptocurrency payment adoption in African economies.
Price Adjustment When Updating Requires Execution: Evidence from Automated Market Makers
The study draws on a high-frequency analytic panel of 2.52 million block-level observations across two matched 5 bp ETH–USDC pools on Ethereum and Base.
An Empirical Study on the Use of Generative AI for Financial Decision-Making Among Corporate Employees in Bengaluru
The empirical study surveyed 256 corporate employees in Bengaluru to examine how trust in generative AI shapes financial decision-making.
A Non-Compensatory Multimetric Framework for Technology Assessment in Regulated Environments
The Non-Compensatory Multimetric Framework (NCMF) is validated on 2 real technology initiatives of a leading insurance group [p.1].
Financial Information Systems and Their Role in Achieving Financial Sustainability: An Analytical Study of Commercial Banks
The study analyzed data from a questionnaire distributed to 250 employees of commercial banks to evaluate the impact of financial information systems on financial sustainability.
Strategic Decision-Making for Innovation in Emerging Organisations: An Adaptive Framework for VUCA Environments
O’mari Zimbabwe was launched in 2023 by Old Mutual Zimbabwe through Old Mutual Digital Services as an interoperable digital financial platform.
Digital Business Ecosystem Vulnerability in Africa: A Multi-Method Analysis of Economic Scale and Cyber-Loss Exposure
Internet penetration in Africa rose from 28% in 2019 to over 44% in 2024, while mobile money users surpassed 700 million.
Stablecoin Depegging, Financial Intermediary Balance Sheet Constraints, and Liquidity in the U.S. Traditional Money Market
By end-2025, the global stablecoin market grew from approximately $25 billion in 2020 to over $300 billion.
Strategic Positioning and Organizational Performance in Banking Sector: A Case of Equity Bank Rwanda Plc
The study selected a sample of 86 respondents from a target population of 109 employees at Equity Bank Rwanda Plc, achieving a response rate of 98.8%.