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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.

Recent technological developments have encouraged the United Nations to promote the adoption of digital technologies to achieve the Sustainable Development Goals (SDGs). In addition to initiatives from businesses, an increasing number of studies indicate that public service agencies may gain benefits from adopting digital transformation. On a global scale, policymakers are examining the integration of digital technologies, specifically artificial intelligence (AI), into public service delivery (PSD), acknowledging the potential advantages and obstacles for the public sector. Therefore, the objective of this study is to investigate the impact of AI on PSD to support the SDGs initiative.

The research used a qualitative approach to explore the intersection of AI, SDGs and PSD. This approach involved scrutinising relevant publications and conducting an extensive literature review. The research also used bibliographic analysis to discern patterns within the field. Findings from the literature review and bibliographic analysis contributed to identifying research trends that explore the complex relationship among AI, PSD and the SDGs. The model derived from this comprehensive review and analysis elucidates the potential of AI to enhance PSD and contribute to the achievement of the SDGs.

The bibliographic study revealed significant research trends concerning AI, PSD and SDGs through an empirical investigation of an extensive array of peer-reviewed articles. This investigation focused on how the public sector can improve its delivery of services to citizens and all stakeholders to advance the SDGs. AI holds the promise of revolutionising PSD and bolstering the SDGs. By leveraging AI’s capabilities in data analysis, automation and customisation, governments can enhance the efficiency, effectiveness and accessibility of public services. This, in turn, enables public servants to tackle more complex tasks while providing citizens with personalised and relevant experiences. Additionally, the study advocates modelling the intersection of PSD and AI to achieve sustainable development.

The employed research methodologies, such as literature reviews and bibliographic analysis, enrich the context of AI, SDGs and PSD. They offer a comprehensive perspective, identify knowledge gaps and furnish policymakers, practitioners and academics with a conceptual framework for informed decision-making and sustainable development endeavours.

The study provides an agenda for AI and SDGs research on application in PSD. It emphasises varied research viewpoints, methods and gaps. This study helps researchers as well as practitioners identify subtopics, intersecting themes and new research pathways.

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.

Finance continuously evolves as the technological innovation progresses in the society. Numerous prior studies have discussed emerging financial services due to this innovation. However, limited scholarly work has evaluated the trends and state of the art of financial innovation. Therefore, this study aims to review recent literature on financial innovation by using a bibliometric and content-analysis approach.

Documents for this study are sampled from financial innovation, a journal focusing on recent innovations in finance. A total of 354 peer-reviewed articles published in eight years (2015–2022) are first examined and mapped using the bibliometrix package in RStudio software. Furthermore, content analysis was performed to investigate the adopted research methods and types, and produce directions for future studies.

The trend of financial innovation research kept increasing, with China as the leader in publication quantity, affiliation productivity and paper citation acquisition. Topics related to “FinTech,” “Bitcoin” and “Covid-19” have been the most discussed topics by financial innovation researchers. FinTech and Bitcoin studies are expected to grow in emerging countries like China, India and Pakistan. The study also indicates that most financial innovation studies use quantitative research methods and are categorized as empirical papers.

This study contributes to the finance literature by comprehensively evaluating current research on financial innovation using one specific journal in the field. Also, this study examines financial innovation literature using different approaches from previous bibliometric financial innovation studies.

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.

Introduction: Small- and medium-sized enterprises (SMEs) play a vital role in the economic development of economies by generating job opportunities. Considering their significance, understanding the challenges and skills required in these enterprises becomes essential and timely.

Purpose: This study aims to discuss the limitations and skill gaps faced by SMEs in emerging economies, such as India, Indonesia, Brazil, China, Malaysia, Ghana, Hungary, Saudi Arabia, South Africa, Türkiye, UAE, Iran, Kazakhstan, Türkiye, Zambia, Romania, and Vietnam.

Methodology: The study adopts a systematic review and meta-synthesis approach, utilising a literature review to comprehensively analyse, synthesise, and map the existing literature by identifying overarching themes.

Findings: The study examines the challenges SMEs encounter in emerging economies, including resource scarcity, limited access to credit, inadequate infrastructure, low technology adoption, restricted global market access, and ineffective marketing strategies. There is a notable shortage of skilled labour and development initiatives within SMEs in India even though the country has a sizeable pool of qualified workers. There is a pressing need for additional technical and managerial skills to remain competitive in the market. The findings of this study will assist HR managers in addressing skill shortages among employees in SMEs operating within emerging economies

Nowadays, it is hard to retain a knowledge monopoly since tacit knowledge has become essential for innovation and organizational effectiveness (ORP). This study analyzed the role of product innovation as a mediator in the relationship between the tacit knowledge management process (TKMP) and organizational performance. In addition, two moderating variables were examined: (1) Affective trust (AFT) between the tacit knowledge management process and product innovation relationship and (2) Task efficiency in product innovation and organizational performance (ORP) relationship.

Around 344 questionnaires were collected from various Chinese regions between February and April 2023 to conduct this study. The regression, mediation and moderation analyses on lower and higher-order data were evaluated using the SmartPLS approach.

The results validate that product innovation mediates the connection between managing tacit knowledge and the organization’s performance. Affective trust also plays a positive moderating role between tacit knowledge and product innovation. These results provide valuable theoretical and practical insights, substantiating various direct, indirect, mediate, and moderated effects hypotheses.

The scope of the study was restricted to manufacturing companies; however, further research may broaden the model’s scope to include other industries. Furthermore, future research should continue to explore the role of task efficiency in the innovation process and identify strategies for enhancing task efficiency in organizations.

The study establishes the significance of effectively managing tacit knowledge for fostering product innovation. Company managers and leaders can promote employee trust, enhancing innovation capabilities and overall organizational effectiveness.

This study, involving dual moderation, explores the connections between processes of managing tacit knowledge, product innovation and organizational performance. It addresses research gaps, enriching the understanding of managing tacit knowledge, leading to organizational innovation and performance improvements. The study also highlights how affective trust is vital in strengthening the connection between TKMP and product innovation.

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.