Era of COVID-19 resulted in contactless transactions and extensive use of technological applications.Similar was the case of Fin-Tech which has extensively been used by consumers all around the globe for making transa...Era of COVID-19 resulted in contactless transactions and extensive use of technological applications.Similar was the case of Fin-Tech which has extensively been used by consumers all around the globe for making transactions and other financial and economic needs.Although there is a lack of research to reflect these forms of evidence from the developing as well as Indian sides of the globe.On the other side,some studies indicated the Unified Household Acceptance and Use of Technology(UTAUT)model as the base to prefer mobile methods of transaction and Fin-Tech use.Hence this paper has been developed systematically to relate the financial literacy of household females from Generation Y with the use of Fin-Tech during the eve of COVID-19.For devising this relationship research has been induced with the UTAUT model and data have been collected from married household females between twenty-four to thirty-five years of age.Results were analyzed through SMART-PLS which highlighted the financial literacy of Indian household females has a significant association with UTAUT model.However,the entire UTAUT model does not have a significant relationship with the use of Fin-Tech.展开更多
In the process of implementing data openness between banks and fin-tech companies,as the breadth and depth of cooperation between banks and enterprises continue to increase,there is a risk of“too much correlation to ...In the process of implementing data openness between banks and fin-tech companies,as the breadth and depth of cooperation between banks and enterprises continue to increase,there is a risk of“too much correlation to fail”and“too many links to fail”.There are problems with the implementation of financial data openness by regulatory agencies for banks and fin-tech enterprises,such as the ambiguity of regulatory responsibilities,the emphasis on financial regulatory goals,and the lag in regulatory methods.To address these issues,it is necessary to clarify the responsibilities of financial regulatory agencies,establish a collaborative mechanism for financial regulation,coordinate the types of risks in bank enterprise cooperation,achieve the technical implementation of financial regulatory measures and the design of regulatory systems,obtain regulatory data in real time,establish a hierarchical regulatory system for bank enterprise cooperation to improve the regulatory path,and ensure the rational and legal use of financial data in bank enterprise cooperation.展开更多
文摘Era of COVID-19 resulted in contactless transactions and extensive use of technological applications.Similar was the case of Fin-Tech which has extensively been used by consumers all around the globe for making transactions and other financial and economic needs.Although there is a lack of research to reflect these forms of evidence from the developing as well as Indian sides of the globe.On the other side,some studies indicated the Unified Household Acceptance and Use of Technology(UTAUT)model as the base to prefer mobile methods of transaction and Fin-Tech use.Hence this paper has been developed systematically to relate the financial literacy of household females from Generation Y with the use of Fin-Tech during the eve of COVID-19.For devising this relationship research has been induced with the UTAUT model and data have been collected from married household females between twenty-four to thirty-five years of age.Results were analyzed through SMART-PLS which highlighted the financial literacy of Indian household females has a significant association with UTAUT model.However,the entire UTAUT model does not have a significant relationship with the use of Fin-Tech.
文摘In the process of implementing data openness between banks and fin-tech companies,as the breadth and depth of cooperation between banks and enterprises continue to increase,there is a risk of“too much correlation to fail”and“too many links to fail”.There are problems with the implementation of financial data openness by regulatory agencies for banks and fin-tech enterprises,such as the ambiguity of regulatory responsibilities,the emphasis on financial regulatory goals,and the lag in regulatory methods.To address these issues,it is necessary to clarify the responsibilities of financial regulatory agencies,establish a collaborative mechanism for financial regulation,coordinate the types of risks in bank enterprise cooperation,achieve the technical implementation of financial regulatory measures and the design of regulatory systems,obtain regulatory data in real time,establish a hierarchical regulatory system for bank enterprise cooperation to improve the regulatory path,and ensure the rational and legal use of financial data in bank enterprise cooperation.
