Md. Al Amin, Md. Abdul Ahad Mia, Tapas Bala, Mohammed Masum Iqbal and Md. Shariful Alam
The study aims to examine the green finance customers' post-usage continuance behavior based on an extended social support theory (SST). Remarkably, this study explores five…
Abstract
Purpose
The study aims to examine the green finance customers' post-usage continuance behavior based on an extended social support theory (SST). Remarkably, this study explores five indirect predictors of green finance continuance behavior (GFCB) (i.e. environmental consciousness (EC), green bank marketing initiatives (GBMI), informational supports, emotional supports (EST) and psychological reactance) and a mediator (i.e. customer satisfaction).
Design/methodology/approach
In this study data were collected from 362 respondents from Bangladesh using a purposive sampling method with a structured self-administrative questionnaire and analyzed by partial least square structural equation and modeling using SMART PLS 3.0 software.
Findings
The results depict that the five predictors, i.e. information supports (ß = 0.367, t-statistics = 2.463, p < 0.001), EST (ß = 0.206, t-statistics = 2.315, p < 0.000), EC (ß = 0.324, t-statistics = 3.484, p < 0.000), GBMI (ß = 0.288, t-statistics = 2.028, p < 0.000), psychological reactance (ß = 0.126, t-statistics = 0.969, p < 0.052) influence GFCB while satisfaction is predicted by four predictors except psychological reactance (ß = 0.126, t-statistics = 0.969, p < 0.052). In addition, customer satisfaction (ß = 0.638, t-statistics = 6.317, p < 0.005) also has an impact on continuance behavior. Besides, the study understood that four predictors indirectly influence GFCB through satisfaction except psychological reactance ((ß = 0.080, t-statistics = 964, z = 0.958p < 0.338). Finally, the coefficient of determinations (R2) indicates that the five predictors explained 65.3% of changes in satisfaction, whereas 72.8% of changes are described by the five predictors and customer satisfactions.
Practical implications
Finally, this study highlights the social and managerial implications for the implementers of the green finance industry. It is recommended to emphasize green finance practice as it plays a crucial role in promoting environmental protection, ensuring social equity and driving economic growth. The green banking service providers, industry analysts, green consumers and respective government authorities can generalize green finance activities as an essential aspect of sustainable development to equalize the economic growth with a view to protecting environmental collapse and promoting renewable energy, energy efficiency, sustainable agriculture and other environmentally friendly activities.
Originality/value
The study will enormously contribute to the existing literature validating the proposed holistic framework applying SST along with EC, GBMI and psychological reactance in green finance continuance behavior.
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Kritika Nagdev, Anupama Rajesh and Richa Misra
The purpose of this paper is to explore the mediating role of demonetisation in the usage of IT-enabled banking services (ITeBS). The study extends the theory of technology…
Abstract
Purpose
The purpose of this paper is to explore the mediating role of demonetisation in the usage of IT-enabled banking services (ITeBS). The study extends the theory of technology readiness (TR) (Parasuraman and Colby, 2015) by incorporating the behavioural intention and actual usage of ITeBS.
Design/methodology/approach
Based on the theory of TR and encompassing the impact of demonetisation, the study examines the functional relationship of TR, behavioural intention and actual usage. Structural equation modelling and mediation analysis are applied on a data set of 474 usable responses.
Findings
The study confirms that TR is a significant factor in customer’s intention to use ITeBS. The demonetisation variable fully mediates the relationship model, which implies a significant finding in the consumer acceptance literature.
Practical implications
The result of this study proposes three major implications. Primarily, the banks should focus on providing simple and user-friendly ITeBS interface and its uninterrupted access. It is necessary to educate the customers by giving them a trial of the service. Furthermore, social media platforms may be utilised as an effective and efficient tool to resolve customer complaints.
Originality/value
This study is first of the attempts to investigate government’s digital push in the technology adoption literature. The results indicate significant influence of demonetisation on the usage of ITeBS.
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Syed Alamdar Ali Shah, Bayu Arie Fianto, Asad Ejaz Sheikh, Raditya Sukmana, Umar Nawaz Kayani and Abdul Rahim Bin Ridzuan
The purpose of this study aims to examine the effect of fintech on pre- and post-financing credit risks faced by the Islamic banks.
Abstract
Purpose
The purpose of this study aims to examine the effect of fintech on pre- and post-financing credit risks faced by the Islamic banks.
Design/methodology/approach
This research uses primary data for fintech awareness and adoption and secondary data of various financial and economic variables from 2009 to 2021. It uses baseline regression to identify moderation of fintech controlling gross domestic products, size, return on assets and leverage. The findings are confirmed using robustness against key variable bias. It also uses a dynamic panel two-stage generalized method of moments for endogeneity.
Findings
The study finds that the fintech awareness and adoption are not the same across all Islamic countries. The Asia Pacific region is far ahead of the other two regions where Indonesia is ahead in terms of fintech awareness and adoption, and Malaysia is ahead in terms of reaping its benefits in credit risk management. Fintech affects prefinancing credit risk significantly more than postfinancing credit risk. Also, the study finds that Islamic banks suffer from the problem of “Adverse selection under Shariah compliance.”
Practical implications
This research invites regulators to introduce fintech in Islamic banks on war footing. Similar studies can be conducted on the role of other risks such as operational and market risks. Fintech will also help in improving the risk profile and stability of Islamic banks against systemic risks and financial crises.
Originality/value
This research has variety of originalities. First, it is the pioneering study that addresses the effect of fintech pre- and post-financing credit risks in Islamic banks. Second, it identifies “Adverse selection under Shariah compliance” for Islamic banks. Third, it helps identify how fintech can be useful in reducing credit risk that will help in reducing capital charge for regulatory capital.
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Shubham Kumar, Keya Sengupta and Bidyut Jyoti Gogoi
The concept of sustainable livelihoods – commonly understood as managing of means of living without undermining natural resources – has gained momentum in international…
Abstract
Purpose
The concept of sustainable livelihoods – commonly understood as managing of means of living without undermining natural resources – has gained momentum in international development discourse. This review focuses on broadening of conceptualisation of policy intervention process for sustainable livelihoods approach and synthesis of evidence to track development in their knowledge structure.
Design/methodology/approach
Evidence available in the literature systematically reviewed with the established methods and themes of interest are curated, to assess the characteristics, mechanisms and caveats arising in policy and practice.
Findings
The authors found seventy-five independent studies that fit into the pre-specified research protocol and objectives. The authors classify these studies into six major themes: Economic wellbeing; Opportunities and capabilities; Climate and natural resources; Policy design; Formal-informal institutional environment; and Labour, entrepreneurship and exports. Various research gaps and directions for future research are also discussed.
Research limitations/implications
The study provides a typology of reviewed literature examining the profile dynamics. Thematic analysis resulted into identifying complementarities and trade-offs and results demonstrate multiple heterogeneity in structures, processes and outcomes.
Originality/value
The definitive areas of interventions are discussed to broaden the utility of the concept in a structured way. This review paper brings a comprehensive view of livelihood intervention system and contribute in enriching the social policy perspective.
Peer review
The peer review history for this article is available at: https://publons.com/publon/10.1108/IJSE-06-2022-0402