Papers by Dr. Arun Khatri
The tsunami of 4G technology and the evolution of revolutionary 5G on the horizon has changed the... more The tsunami of 4G technology and the evolution of revolutionary 5G on the horizon has changed the way people use their mobile-phones. The high speed and availability of internet to the common person has led the companies compete to find their place on the users‟ mobile phone screens. The trust of the consumers seems to be a pivotal factor when it comes to making financial investments online using smart-phones applications. More than fifty financial companies are providing the services of financial investments including mutual funds, IPOs, secondary share market, life insurance, general insurance, debt instruments, corporate and bank deposits, recurring deposits, bank services, central gold schemes, etc. The focus of theresearch study is to observe the impact of trust as a factor in the usage attitude of investors for app based investments. This primary research was carried out among the young and earning, mostly are regular users of mobile phone apps as an faster alternative to fina...
Pressacademia, 2021
Purpose-Digital infrastructure and technology advancements are steering the innovations in financ... more Purpose-Digital infrastructure and technology advancements are steering the innovations in financial sector globally. The technology and data driven aspect has fueled the Fintech sector, evolving at the tangent of mighty finance sector and revolutionary technology domain, especially the digital technologies. The purpose of this paper is to show that most FinTech innovations, are significantly driven by big data analytics and its efficient implementation. Methodology-The use of latest ICT technologies lightens up the finance operations and services to exponential levels. Big data analytics is new and requires comprehensive studies as a research field specially in the finance domain. The intent here is to study an adoption model specially IT diffusion mode to Big data analytics that could detect key success predictors. The study tests the model for adoption of big data as novel technology and the related issues. The paper also presents a review of academic journals, literature, to study the diffusion and adoption of big data in to the finance domain. Findings-The research reflects a significant interest and utility about Big data analytics value that epitomizes the rise of Fintech phenomenon. Big data analytics may provide some competencies to the organizations that may consider its several dimensions along with its framework in the pre-adoption phase or adoption phase or implementation or diffusion phase. The research also attempts to describe the several dimensions of Big data analytics as a new technology. This shall be of good interest to the researchers, professionals, academicians and policy-makers. Conclusion-The paper first defines big data to consolidate the different discourse and literature on big data. We also reflect the point that predictive-analytics (with structured data) overshadows other forms: descriptive and prescriptive analytics (with unstructured data) which constitutes more than 90% of big data. We also reflected on analytics techniques for unstructured data: audio, video, and social media data, as well as predictive analytics. In the analysis and testing part we also performed the testing of the IT diffusion model which concludes that there are significant relationships among IT-planning, IT-implementation and IT-diffusion.
Pressacademia, 2021
Purpose-Blockchain has emerged as high impact disruptive technology and surpassed most of the agg... more Purpose-Blockchain has emerged as high impact disruptive technology and surpassed most of the aggressive predictions in banking and finance domain. The changing landscape in digital banking has forced the entire banking sector to look at blockchain technology as future of transactions. Blockchain is disrupting the banking industry and contributing to the increased efficiency and speed in banking. However, there exists a gap in research and development into block-chained processes in banking from an academic perspective, and this paper ia an attempt to put together the research work done in the field of blockchain adoption in banking. Methodology-This paper's literature review process follows common and established guidelines (Levy and Ellis, 2006; Okoli, 2015; von Brocke et al., 2009; Webster and Watson, 2002) and is summarized thoroughly. We considered the IS literature in both the blockchain and the banking context. In the first step, we conduct a separate review on both streams of literature to derive a general understanding of their current state of development. In the second step, we then conflate the relevant literature and discuss it within a joint analytical framework. In doing so, we identify paths for future research and discuss the potential of blockchain technology for banking and finance sector. Findings-In this paper we discuss the impact that blockchain will have on banking in future and show the increasing importance of distributed ledger based transactions for the banking industry. Finally, this paper brings together the research work published in several reputed databases, in hope of motivating more active engagement by academics, researchers and bankers alike. A comprehensive review of the blockchain adoption in banking to date and across the geographic areas is presented as a result of comprehensive review of literature. Conclusion-The collaboration of blockchain and banking is not very old, comparatively novice and we have tried to include all the significant studies till date across various databases of research.
International Journal of Management, 2020
Purpose-Financial Technologies (FinTech) is emerging as the core of digital innovation in the fin... more Purpose-Financial Technologies (FinTech) is emerging as the core of digital innovation in the finance sector with promising technology and infrastructure. FinTech organizations are driven by data-finance, commodities, currencies, investment, payment systems, trading, exchange markets, regulation, consultancy services, banking, transaction settlement, financial intermediaries, and corporate governance. The purpose of this paper is to understand the consumer behavioural intentions in using Fintech Service, basis on the TAM, integrating brand and service trust to understand the influence on behavioural intention. Approach-To understand the consumer behavioural intentions in using Fintech Service, this study basis on the TAM, integrating brand and service trust to understand the influence on behavioural intention. By using convenience sampling, 220 consumers' samples were collected. The results showed: Brand and service trust has a significantly positive effect on attitudes toward using Fintech Service. Perceived usefulness has a significantly positive effect on attitudes toward using. Perceived ease of use has a significantly positive effect on attitudes toward using. Attitudes toward on using have a significantly positive effect on behavioural intention to use. The use of latest ICT technologies lightens up the finance operations and services to exponential levels. The study tests the model in adoption of technology with innovation, and other adoption issues. The paper also presents a review of academic journals, literature, and assess the adoption of technology in the fintech revolution. Findings-This finding reveals the importance of understanding the behavioural intention toward using Fintech Service. First of all, the exploratory factor analysis for consumer behaviour showed that the acceptance of new technology 5 domains (brand and service trust, perceived usefulness, perceived ease of use, attitude toward using, and behavioural intentions to use) This shall be of significant interest to researchers, professionals, academicians, and practitioners.
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Papers by Dr. Arun Khatri