Extending UTAUT2 in Mobile money adoption and actual use behavior: An empirical research in Vietnam during the Covid-19

The goal of this article is to examine the antecedents of behavioral intention toward mobile money, as well as the mediating role of trust on behavioral intention and financial inclusion in Vietnam during the COVID-19 period, using an expanded unified theory of technology acceptance and use (UTAUT2). The data were collected by an online self-administered questionnaire and analyzed using SmartPLS 3.3.3. To determine the exogenous constructs’ relevance and performance, a matrix analysis of importanceperformancewas used. The findings indicate that behavioral desire to use mobile money is primarily driven by awareness, structural assurance, habit, and performance expectation. The behavioral intention of mobile money will substantially influence its adoption, and trust will not act as a mediator between behavioral intention and financial inclusion. The extended UTAUT2 was used for the first time to analyze mobile money in Vietnam. Additionally, the new research provides a more comprehensive explanation for users’ financial inclusion than past research provided.

A model for Ugandan traders' use of mobile money services

Mobile money services give trade benefits such as bill payment, decreased transaction costs and time, expanded savings possibilities, sales, and convenience. Despite the benefits, traders in Uganda are still slow to adopt and use mobile money services. This article reflects on the findings of a study that looked at the barriers that merchants experience while utilizing and implementing mobile money services in Uganda. A self-administered questionnaire was utilized to obtain data from 394 survey respondents. A model for encouraging traders to use mobile money services is offered. The suggested model expands on the Unified Theory of Technology Acceptance and Use. According to regression study, performance expectancy, social factors, and sensitization components all have a substantial impact on the behavioral intention of mobile money service uptake for trade. On the other hand, security and effort expectation had no significant affect on traders' behavioral intention to use mobile money services. Furthermore, the data show that enabling conditions affected the utilization of mobile money services for commercial transactions. The suggested approach is adaptable and generic, and it may be used in other developing nations with comparable circumstances to Uganda.

Panel evidence from rural Uganda on mobile money, risk sharing, and educational investment

We investigate the influence of the rapidly developing mobile banking service "mobile money" on rural households' capacity to smooth their investment in education following a negative shock. We find that a negative shock reduces per school-age kid educational spending by 9.3 percentage points in families that do not utilize mobile money but by 8.3 percentage points in homes that have used mobile money. The underlying process is a rise in remittance receipts and sender variety as a result of the lower transaction costs afforded by mobile money. We demonstrate that our findings are resistant to alternative processes. We utilize the extension of the mobile money agent network as an exogenous variable in mobile money access.

Evidence from 1992 to 2019 on the dynamics of managerial authority and CEO remuneration during company crises

We investigate the dynamics of two governance constructs, management influence over the board of directors and CEO remuneration, in enterprises in crisis from 1992 to 2019. Data reveal a strong trend of improving governance over time, which confounds the conclusion concerning the impact of distress on governance. Using a bias-corrected matching estimator to control for secular trends, we find that distressed businesses cut management board appointments and CEO compensation, deepen managerial incentive alignment, and increase CEO turnover. The performance-related component of CEO remuneration accounts for the majority of changes in CEO compensation in troubled businesses, which is consistent with the "shareholder value" perspective on CEO compensation.

Cash holdings, tax policies, and institutional environments of innovative enterprises

We discover a positive association between a firm's innovativeness and its cash holdings using data from 11,653 innovative enterprises in 51 non-US economies. This relationship is even stronger now that patent boxes have been implemented, which provide preferential tax treatment for patent income. Additionally, creative multinationals that face increased repatriation taxes amass larger total cash holdings. The positive innovativeness–cash relationship is more pronounced in countries with higher R&D tax credits, less developed financial markets, stronger governance, stronger shareholder rights, more technicians, better infrastructure, and greater investment freedom, as well as in industries with fiercer competition and longer innovation cycles. Innovative organizations with greater cash on hand invest more in research and development and generate more patents. In general, our findings shed light on the factors that contribute to the massive wealth buildup in creative enterprises globally.

Issues with mobile money in developing countries

A major criterion is the reduction of snags in the management of mobile money systems. The study was prompted by the ongoing problems with mobile money management. Previous research in underdeveloped nations concentrated mostly on technology algorithms for mobile money systems, with little attention paid to managerial issues. The research aims to reduce hiccups in the management of mobile money systems. A qualitative investigation was carried out, which was supported by activity theory and directed by an interpretative paradigm. The major data tools were semi-structured interviews and an internal document review. Expert purposive sampling was used, and data was thematically evaluated and themes were mapped onto activity theory nodes. The study's key findings included inadequate monitoring of mobile money agents, insufficient confidentiality and privacy in financial transactions, the use of general accounts for financial transactions, the use of generic guidelines and policies, third-party involvement in sensitive mobile money activities, and weak staff recruitment policies. The study's managerial implications include online customer registration, the implementation of online transaction monitoring, the online categorization of mobile money accounts, digital financial crime checks, digital validation of customer identities, and the continuous review and updating of mobile money guidelines.

Investigating the impact of mobile money to well-being from a capabilities standpoint

Using data from the Upper East Region of Northern Ghana, this study examined the influence of mobile money on well-being and development from a competence standpoint. The data reveals that mobile money use has a variety of capability-enhancing effects, ranging from empowerment to engage in the financial system to choice and agency to satisfy multiple functions that lead to higher well-being outcomes in work, health, and education. Erratic power supply and a weak network signal in some places are unfreedoms that must be removed in order for people to benefit from mobile money's enormous potential for well-being and human progress. The long-term reliance on family and social networks for financial assistance is a capability-decreasing element of mobile money. The study's findings indicate the need for development researchers to embrace a diverse and pragmatic conceptualisation of development in information and communication technologies.

Mobile Money for the Unbanked in Emerging Markets

Mobile money, together with mobile broadband, is likely to be the primary growth engine for emerging market mobile network carriers. The service is gaining popularity and is beginning to contribute considerably to telecom income. There are still 2 billion individuals worldwide who do not have a bank account. This group is primarily located in less developed areas (Africa, part of Asia, and Latin America). A typical use case of a distant worker sending money to the family for living expenses is highly expensive for persons who do not have financial inclusion. Mobile penetration is substantially higher, allowing for these remittances to be sent in a cost-effective and simple manner. Because the system is based on feature phones and 2G technology, end users do not need to have the most recent smartphone or mobile broadband (SMS or Unstructured Supplementary Service Data-USSD channel). The most common application is domestic remittance. Bill payments and merchant payments are two others. International remittances are now feasible across various operators as well (cross-MNO agreements). Globally, there were already more than 100 million active mobile money accounts in 2014, with services available in around 90 countries.

Application of smart-phone use in food delivery operations for logistics optimization: From the perspective of consumer logistical practices

As a result of the rapid growth of smartphones, numerous research studies have been conducted in the marketing field. Nonetheless, there has been limited research examining the impact of smartphones on consumer logistical behaviors. The purpose of this research, which is based on consumer logistics, is to acquire a better understanding of the impact of smartphone usage by adopting a case study of supermarket purchasers while they shop for food. Fiction has emerged as the preferred optimization method for forecasting future smartphone use, which illustrates two potential supermarket universes. Such smartphone usage is still minimal. They will enable us to identify managerial drivers and then provide insight on the specific values associated with the rise of consumer logistical practices.

Does the Mundell-Fleming Model Apply to Malaysia's Output?

Based on an extended Mundell-Fleming model, this paper finds that both fiscal expansion and monetary expansion raise output in Malaysia and that a lower real interest rate, a higher stock value, a lower real oil price and a lower expected inflation rate increase output. Hence, a managed floating system with no predetermined path of the exchange rate adopted by Malaysia may lead to better outcomes than the predictions of the Mundell- Fleming model that fiscal expansion does not raise output under a floating exchange rate but increases output under a fixed exchange rate whereas monetary expansion increases output under a floating exchange rate but does not affect output under a fixed exchange rate (Mankiw, 2019).