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This exploratory study aims to investigate and identify the factors influencing discontinuance intention among past users of local digital wallets in Brunei Darussalam.

This study uses a mixed-method approach that integrates quantitative and qualitative research method. An online survey is distributed via widely used social media platforms, using purposive sampling to target previous users of local digital wallets. Structured questionnaires capture demographic data, whereas open-ended inquiries delve into reasons for discontinuation. Descriptive analysis will extract the demographic profiles of the samples. Inductive thematic analysis, guided by Braun and Clarke's framework, will extract and analyze qualitative responses to unveil emergent themes. Data saturation, anticipated beyond 12 responses, will signify sample adequacy.

Demographic profiles based on gender, age and payment preferences of discontinuers supplement the justification for identified themes influencing digital wallet discontinuation in Brunei Darussalam. These themes include “Acceptability Challenge,” highlighting limited vendor acceptance; “Financial Management and Security Issues,” revealing concerns over impulsive buying behavior and security robustness; “Limited Benefits,” referring to short-term interest driven by promotional benefits; “Technological Inertia,” emphasizing reluctance to change from conventional payment methods and “Technical Challenges,” encompassing internet connectivity and operational functionality issues.

This study acknowledges few limitations, including a limited number of respondents, comprising majorly of the younger age groups and females. Self-reported data usage introduces potential response bias, impacting result validity. The qualitative approach limits comprehensive understanding, suggesting validation through quantitative correlational studies. Additionally, the cross-sectional design restricts insight into the dynamic nature of digital wallet discontinuance in Brunei, suggesting the need for longitudinal studies.

The findings of this study offer valuable insights for digital wallet providers, policymakers and businesses operating within the realm of Brunei Darussalam. By tackling pertinent issues such as vendor acceptance, financial security and promotional incentives, stakeholders can effectively improve user experiences and mitigate intentions of discontinuing usage. Recommended strategies encompass the enlargement of vendor networks, the implementation of stringent security measures and the customization of promotional campaigns. Furthermore, comprehending demographic inclinations enables the tailoring of offerings, thereby fostering enduring adoption rates.

This study’s findings hold social significance for financial inclusion, technological literacy and consumer empowerment in Brunei Darussalam. Overcoming barriers to digital wallet adoption, such as limited vendor acceptance, promotes financial inclusion in the long run. Improved understanding of digital wallets enhances technological literacy and empowers users to make informed decisions. By catering to diverse demographic needs, stakeholders can promote social equity and ensure widespread access to digital payment benefits, thus positively impacting Brunei Darussalam’s socioeconomic landscape.

This study contributes to the existing knowledge gap on digital wallet discontinuance in Brunei Darussalam. By uncovering key themes and factors influencing past users’ decisions, it advances understanding in the context of postadoption dynamics. The study provides valuable insights for local and global fintech adoption strategies.

This paper aims to devise a framework for mapping and designing business ecosystems and to demonstrate its effectiveness in crafting digital transformation for traditional marketplaces.

A digital business ecosystem framework is developed as a Value Exchange Network (VEN) to analyze both the existing marketplace business ecosystem and a prospective digital marketplace ecosystem. The transformation process is divided into four stages. The first stage begins with describing the case and mapping it onto the framework as a business ecosystem depicted in a Value Exchange Network Diagram (VEND). In the second stage, a future or new business ecosystem is designed and represented using VEND. The third stage involves developing guidelines for the digital transformation. Finally, the fourth stage focuses on creating a management tool to operate and expand the new digital business ecosystem.

Traditional marketplaces in Indonesia face significant threats from hypermarkets, supermarkets, minimarkets and the growing preference of the younger generation for digital marketplaces, especially after the COVID-19 pandemic. Our framework (VEN) offers a structured approach to support traditional marketplaces in undergoing digital transformation through four stages.

This paper showcases the expressive power of our business ecosystem framework. The digital transformation of the traditional marketplace presented here serves as an example application of the framework. However, the framework has yet to be tested in a real-world digital transformation project.

This paper offers direction and guidelines for the digital transformation journey of traditional marketplaces using the VEN framework.

This paper uses an innovative framework for mapping, analyzing and constructing business ecosystems, presenting a four-stage method to outline the digital transformation of traditional marketplaces. The adoption of ecosystem thinking in the pursuit of digitally transforming conventional marketplaces is novel, offering a comprehensive approach to this transformation.

Islamic financial technology (fintech), primarily peer-to-peer (P2P) lending, plays a substantial role in funding the unbanked population and small and medium enterprises (SMEs) by offering streamlined financial services through online digital technology. In addition, Islamic fintech lending offers a promising return rate for individual and institutional investors, and therefore, it is considered a worthy investment alternative for diversification. This study aims to examine the determinants of project returns of SMEs on Islamic fintech lending platforms, taking the case study of one Islamic fintech lending platform registered at the Financial Service Authority in Indonesia.

Project return information and other information, such as the name of the SME raising fund, project duration, location, contract (aqad) and value (amount of money) to be raised, were extracted from the Islamic fintech lending platform. Furthermore, a regression analysis was performed using the completed projects as sample data (n = 122) on the platform.

The results show that the rate of return is significantly affected by project duration and type of Sharia-compliant contract. Location and project value are, however, found to be statistically insignificant. This study’s overall results align with the Signaling theory, indicating the importance of information for decision-making.

Due to limited access to the data, our study uses data from one of seven Islamic fintech lending platforms; thus, the study results may not be generalized to the general population.

The results suggest that investors aspiring to invest their funds in SME projects on Islamic fintech lending platforms should consider the project duration and contractual agreement since these factors significantly influence the return. Additionally, society may consider the Islamic fintech lending platform a viable investment instrument since its return rate follows the risk-return principle in classical and established finance theories. That is why Islamic fintech lending platforms are competitive compared to the more established ones, such as the Islamic stock market.

To the best of the authors’ knowledge, this study is the first study using an empirical approach to reveal the project return determinants of SMEs on Islamic fintech lending platform.

In recent years, public sector innovation practices have continuously penetrated central and regional governments. Observations show that many new innovation ideas are abandoned after initial implementation. Therefore, this study aims to examine the dark side of local public sector innovation through the case of the Mobile Application System of Local Tax (SAMPADE) innovation.

This study used the concept of the dark side of public sector innovation with a focus on SAMPADE innovation. Qualitative study cases were used, and empirical data were collected from semistructured interviews and observations. Secondary data were collected from published primary study sources, including peer-reviewed journals, case studies, government newsletters, online newspapers and books.

Referring to local findings, this study noted the weaknesses of public sector innovation caused by the failure of policymakers to consider any negative effects.

This study only focuses on the dark side of one example of public service innovation. The results or other conclusions may vary depending on the unfavorable phenomena of public sector innovation.

The dark side of public sector innovation is a theme that many scholars have not analyzed. This study will contribute to the discourse, particularly in the context of local governance and developing countries.

Generative AI and more specifically ChatGPT has brought a revolution in the lives  of people by providing them with required knowledge that it has learnt from an exponentially large knowledge base. In this viewpoint, we are initiating the debate and offer the first step towards Generative AI based knowledge management systems in organizations.

This study is a viewpoint and develops a conceptual foundation using existing literature on how ChatGPT can enhance the KM capability based on Nonaka’s SECI model. It further supports the concept by collecting data from a public sector univesity in Hong Kong to strenghten our argument of ChatGPT mediated knowledge management system.

We posit that all four processes, that is Socialization, Externalization, Combination and Internalization can significantly improve when integrated with ChatGPT. ChatGPT users are, in general, satisfied with the use of ChatGPT being capable of facilitating knowledge generation and flow in organizations.

The study provides a conceptual foundation to further the knowledge on how ChatGPT can be integrated within organizations to enhance the knowledge management capability of organizations. Further, it develops an understanding on how managers and executives can use ChatGPT for effective knowledge management through improving the four processes of Nonaka’s SECI model.

This is one of the earliest studies on the linkage of knowledge management with ChatGPT and lays a foundation for ChatGPT mediated knowledge management system in organizations.

In recent years, the use of mobile devices for academic persistence has grown to be an indispensable element of students’ learning, highlighting the broad acceptance and adaptability of mobile technology in learning environments. The current study examines how college students in rural areas use mobile devices and how self-efficacious they are when seeking online information. Additionally, the study investigated the connection between mobile devices usage (MDU), mobile devices self-efficacy (MDSE) and online information seeking behavior (OISB) on the basis of demographic differences.

A quantitative research design was used by deploying a five-point Likert scale for measurement, Statistical Package for Social Sciences (SPSS) v.26 was used for data analysis. A variety of statistical methodologies, including t-tests, ANOVA and correlation coefficients, were conducted to inspect and assess MDU, MDSE and OISB across gender and age groups. Data from 331 students at the public sector college in a rural region was gathered using a questionnaire. A total of 315 legitimate replies were received.

The study's conclusions showed that the respondents used their mobile devices for educational purposes less frequently. Nonetheless, the respondents' degrees of MDSE and OISB appear to be high. Furthermore, a strong link was demonstrated among the MDU, MDSE and OISB. On the contrary, there was a negative correlation link between MDU and both MDSE & OISB, while a positive correlation between MDSE and OISB was found. The results also showed substantial variance in all research components based on age and gender, indicating that male and younger respondents performed more efficiently than female and adult respondents.

These results indicate that information literacy guidelines and a variety of educational initiatives should be put together by the government, educational policymakers, librarians and educators, with a focus on how to use mobile devices for learning and information seeking. This will make it possible for students to more efficiently find the information using their portable devices.

This study analyzes how digital technologies collaboration, and technological capabilities affect tourism products' advantage and supply chain resilience via virtual integration and customer service capabilities.

To achieve the goals of this study, a digital transformation model was formulated based on the real option theory (ROT) and digital competencies perspective. Data were collected from travel agencies in Taiwan. This study uses the partial least square structural equation modeling (PLS-SEM) technique to analyze the research model, and 384 samples were collected from travel agencies for analysis.

The research results point out that digital technology collaboration and technical capabilities affect virtual integration and customer service capabilities; customer service capabilities should also be regarded as key influencing variables to improve tourism product advantages and supply chain flexibility.

This study shares a unique perspective on the digital transformation model, which includes antecedents, mediators and moderators, to construct the critical effects for analyzing the tourism products' advantage and supply chain resilience.

Previous studies have identified concerns and anxiety in individuals who are without their mobile phones, which is known as nomophobia, an acronym for “no mobile phone phobia.” However, there is currently limited evidence of qualitative research that explores nomophobia. The purpose of this study is to explore personal experiences and individual meanings associated with mobile phone use and nomophobia.

To address this gap, the present study employed a Heideggerian phenomenological approach to investigate the issue. Ten college students, who have medium to high nomophobia were selected as respondents. Semi-structured interviews were conducted to collect data, which were then transcribed verbatim and analyzed using reflexive thematic analysis.

A deep understanding of the psychological dynamics, experiences, meanings, perceptions and beliefs of individuals regarding smartphone use can only be explored through a qualitative approach that presents personal statements of individuals through in-depth semi-structured interviews. This study contributes to a deep understanding of the psychological dynamic of nomophobia.

This study has limitations that must be carefully considered. First, the respondents came from a university with a sample size of 10 people, which may not fully represent the phenomenon of nomophobia among students due to differences in cultural and academic backgrounds. However, we addressed this limitation by selecting only students who scored moderate to high levels of nomophobia. Second, the researchers acknowledge that the sample used in the study may not be fully representative of the broader target population or a larger group, as previously mentioned. Therefore, generalizing the findings of this research must be done carefully, being cautious and thoughtful to avoid hasty conclusions.

In the functional context, it is recommended for individuals to be more mindful of their smartphone usage and strive to strike a balance between utilizing their device's capabilities for productive purposes and avoiding excessive dependency that may lead to distractions or information overload. This includes limiting excessive smartphone usage for entertainment purposes, restricting aimless and irrelevant Internet browsing and implementing effective time management when using smartphones. For smartphone users from the ontological context, the advice is to critically evaluate their digital presence and ensure that their online activities align with their true values and self-perception, promoting responsible and ethical smartphone use. Engaging in fasting or break sessions by completely turning off the smartphone at specific times and utilizing that time for activities such as reading books, writing and engaging in spiritual practices, or exercising is also advisable. In the anthropomorphic context, individuals are advised to reflect on the potential emotional dependence on their smartphones and consider establishing healthy boundaries to avoid excessive reliance on these devices to fulfill emotional needs. One practical recommendation is to engage in self-reflection, where individuals take some time to ponder their smartphone usage patterns and emotional attachment to the device. They should ask themselves why they feel the need to constantly check their phone and how it impacts their emotions and overall well-being.

This study contributes to a deep understanding of the psychological dynamics of nomophobia by exploring the experiences, meanings, perceptions, and beliefs of individuals regarding smartphone use.

The global emphasis on sustainability is driving organizations to embrace financial technology (Fintech) solutions as a means of enhancing their sustainable performance. This study seeks to unveil the intermediary role played by green finance and competitiveness, along with the moderating impact of digital transformation (DT), in the intricate relationship between Fintech adoption and sustainable performance.

Drawing on existing literature, we construct a comprehensive conceptual framework to thoroughly analyse these interconnected variables. To empirical validate of our model, a dual structural equation modelling–artificial neural network) SEM–ANN approach was employed, adding a robust layer of validation to our study’s proposed framework. A sample of 438 banking employees in Pakistan was collected using a simple random sampling technique, with 411 samples deemed suitable for subsequent analysis. Initially, data scrutiny and hypothesis testing were carried out using Smart-PLS 4.0 and SPSS-23. Subsequently, the ANN technique was utilized to assess the importance of exogenous factors in forecasting endogenous factors.

The findings from this research underscore the direct and significant influence of Fintech adoption and DT on the sustainable performance of banks. Notably, green finance and competitiveness emerge as pivotal mediators, bridging the gap between Fintech adoption and sustainable performance. Moreover, DT emerges as a critical moderator, shaping the relationships between Fintech adoption and both green finance and competitiveness. The integration of the ANN approach enhances the SEM analysis, providing deeper insights and a more comprehensive understanding of the subject matter.

This study contributes to the enhanced comprehension of Fintech, green finance, competitiveness, DT and the sustainable performance of banks. Recognizing the importance of amalgamating Fintech adoption, green finance and transformational leadership becomes essential for elevating the sustainable performance of banks. The insights garnered from this study hold valuable implications for policymakers, practitioners and scholars aiming to enhance the sustainable performance of banks within the competitive business landscape.