{"id":"https://openalex.org/W4400895170","doi":"https://doi.org/10.1108/jfra-12-2023-0791","title":"Unveiling the nexus: unravelling the dynamics of financial inclusion, FinTech adoption and societal sustainability in Malaysia","display_name":"Unveiling the nexus: unravelling the dynamics of financial inclusion, FinTech adoption and societal sustainability in Malaysia","publication_year":2024,"publication_date":"2024-07-22","ids":{"openalex":"https://openalex.org/W4400895170","doi":"https://doi.org/10.1108/jfra-12-2023-0791"},"language":"en","primary_location":{"id":"doi:10.1108/jfra-12-2023-0791","doi":"https://doi.org/10.1108/jfra-12-2023-0791","is_oa":false,"landing_page_url":"https://doi.org/10.1108/jfra-12-2023-0791","pdf_url":null,"source":{"id":"https://openalex.org/S130164084","display_name":"Journal of financial reporting & accounting","issn_l":"1985-2517","issn":["1985-2517","2042-5856"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-c","anvur-scientific","cwts-core","jufo-1","norway-1","poland-40","russia-white-list-2"],"host_organization":"https://openalex.org/P4310319811","host_organization_name":"Emerald Publishing Limited","host_organization_lineage":["https://openalex.org/P4310319811"],"host_organization_lineage_names":["Emerald Publishing Limited"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Financial Reporting and Accounting","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5065298686","display_name":"Lee-Chea Hiew","orcid":"https://orcid.org/0000-0002-0630-7439","observed_orcids":["https://orcid.org/0000-0002-0630-7439"]},"institutions":[{"id":"https://openalex.org/I55285296","display_name":"UCSI University","ror":"https://ror.org/019787q29","country_code":"MY","type":"education","lineage":["https://openalex.org/I55285296"]}],"countries":["MY"],"is_corresponding":true,"raw_author_name":"Lee-Chea Hiew","raw_affiliation_strings":["UCSI University, Sarawak Campus Faculty of Business and Management, , Kuching,","Faculty of Business and Management, USCI University \u2013 Sarawak Campus, Kuching, Malaysia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"UCSI University, Sarawak Campus Faculty of Business and Management, , Kuching,","institution_ids":["https://openalex.org/I55285296"]},{"raw_affiliation_string":"Faculty of Business and Management, USCI University \u2013 Sarawak Campus, Kuching, Malaysia","institution_ids":["https://openalex.org/I55285296"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5111265242","display_name":"Meng-Tuck Lam","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I55285296","display_name":"UCSI University","ror":"https://ror.org/019787q29","country_code":"MY","type":"education","lineage":["https://openalex.org/I55285296"]}],"countries":["MY"],"is_corresponding":false,"raw_author_name":"Meng-Tuck Lam","raw_affiliation_strings":["UCSI University, Sarawak Campus Faculty of Business and Management, , Kuching,","Faculty of Business and Management, USCI University \u2013 Sarawak Campus, Kuching, Malaysia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"UCSI University, Sarawak Campus Faculty of Business and Management, , Kuching,","institution_ids":["https://openalex.org/I55285296"]},{"raw_affiliation_string":"Faculty of Business and Management, USCI University \u2013 Sarawak Campus, Kuching, Malaysia","institution_ids":["https://openalex.org/I55285296"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5030908179","display_name":"Swee Jack Ho","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I55285296","display_name":"UCSI University","ror":"https://ror.org/019787q29","country_code":"MY","type":"education","lineage":["https://openalex.org/I55285296"]}],"countries":["MY"],"is_corresponding":false,"raw_author_name":"Swee-Jack Ho","raw_affiliation_strings":["UCSI University, Sarawak Campus Faculty of Business and Management, , Kuching,","Faculty of Business and Management, USCI University \u2013 Sarawak Campus, Kuching, Malaysia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"UCSI University, Sarawak Campus Faculty of Business and Management, , Kuching,","institution_ids":["https://openalex.org/I55285296"]},{"raw_affiliation_string":"Faculty of Business and Management, USCI University \u2013 Sarawak Campus, Kuching, Malaysia","institution_ids":["https://openalex.org/I55285296"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5065298686"],"corresponding_institution_ids":["https://openalex.org/I55285296"],"apc_list":null,"apc_paid":null,"fwci":8.9223,"has_fulltext":false,"cited_by_count":19,"citation_normalized_percentile":{"value":0.97640252,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":89,"max":99},"biblio":{"volume":"23","issue":"2","first_page":"575","last_page":"593"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9951000213623047,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9951000213623047,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.0027000000700354576,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.0010000000474974513,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"financial inclusion","score":0.9909999966621399},{"id":"https://openalex.org/keywords/fintech-adoption","display_name":"fintech adoption","score":0.902999997138977},{"id":"https://openalex.org/keywords/social-sustainability","display_name":"social sustainability","score":0.9950000047683716},{"id":"https://openalex.org/keywords/perceived-benefits","display_name":"perceived benefits","score":0.6729999780654907},{"id":"https://openalex.org/keywords/risk-perception","display_name":"risk perception","score":0.8090000152587891},{"id":"https://openalex.org/keywords/regulatory-risk","display_name":"regulatory risk","score":0.7350000143051147},{"id":"https://openalex.org/keywords/non-financial-benefits","display_name":"non-monetary benefits","score":0.9950000047683716},{"id":"https://openalex.org/keywords/valence-theory","display_name":"valence theory","score":0.6990000009536743},{"id":"https://openalex.org/keywords/sustainable-information-society","display_name":"sustainable information society","score":0.9319999814033508},{"id":"https://openalex.org/keywords/sarawak","display_name":"Sarawak","score":0.7139999866485596},{"id":"https://openalex.org/keywords/consumer-protection","display_name":"consumer protection","score":0.6150000095367432}],"concepts":[{"id":"https://openalex.org/C148609458","wikidata":"https://www.wikidata.org/wiki/Q7021281","display_name":"Nexus (standard)","level":2,"score":0.8649206161499023},{"id":"https://openalex.org/C66204764","wikidata":"https://www.wikidata.org/wiki/Q219416","display_name":"Sustainability","level":2,"score":0.6989326477050781},{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.6726385951042175},{"id":"https://openalex.org/C109359841","wikidata":"https://www.wikidata.org/wiki/Q728944","display_name":"Inclusion (mineral)","level":2,"score":0.5862147212028503},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.45325902104377747},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.40962666273117065},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.36191868782043457},{"id":"https://openalex.org/C95124753","wikidata":"https://www.wikidata.org/wiki/Q875686","display_name":"Environmental ethics","level":1,"score":0.358026385307312},{"id":"https://openalex.org/C144024400","wikidata":"https://www.wikidata.org/wiki/Q21201","display_name":"Sociology","level":0,"score":0.2986779510974884},{"id":"https://openalex.org/C36289849","wikidata":"https://www.wikidata.org/wiki/Q34749","display_name":"Social science","level":1,"score":0.22425416111946106},{"id":"https://openalex.org/C127413603","wikidata":"https://www.wikidata.org/wiki/Q11023","display_name":"Engineering","level":0,"score":0.1323692500591278},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.12724122405052185},{"id":"https://openalex.org/C18903297","wikidata":"https://www.wikidata.org/wiki/Q7150","display_name":"Ecology","level":1,"score":0.09997373819351196},{"id":"https://openalex.org/C86803240","wikidata":"https://www.wikidata.org/wiki/Q420","display_name":"Biology","level":0,"score":0.08796724677085876},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.07776853442192078},{"id":"https://openalex.org/C149635348","wikidata":"https://www.wikidata.org/wiki/Q193040","display_name":"Embedded system","level":1,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1108/jfra-12-2023-0791","doi":"https://doi.org/10.1108/jfra-12-2023-0791","is_oa":false,"landing_page_url":"https://doi.org/10.1108/jfra-12-2023-0791","pdf_url":null,"source":{"id":"https://openalex.org/S130164084","display_name":"Journal of financial reporting & accounting","issn_l":"1985-2517","issn":["1985-2517","2042-5856"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-c","anvur-scientific","cwts-core","jufo-1","norway-1","poland-40","russia-white-list-2"],"host_organization":"https://openalex.org/P4310319811","host_organization_name":"Emerald Publishing Limited","host_organization_lineage":["https://openalex.org/P4310319811"],"host_organization_lineage_names":["Emerald Publishing Limited"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Financial Reporting and Accounting","raw_type":"journal-article"},{"id":"pmh:oai:RePEc:eme:jfrapp:jfra-12-2023-0791","doi":null,"is_oa":false,"landing_page_url":"https://www.emerald.com/insight/content/doi/10.1108/JFRA-12-2023-0791/full/html?utm_source=repec&utm_medium=feed&utm_campaign=repec","pdf_url":null,"source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article"}],"best_oa_location":null,"sustainable_development_goals":[{"score":0.5,"id":"https://metadata.un.org/sdg/10","display_name":"Reduced inequalities"},{"score":0.48510000109672546,"id":"https://metadata.un.org/sdg/8","display_name":"Decent work and economic growth"}],"sustainable_development_goals_aurora":[{"score":0.46000000834465027,"id":"https://metadata.un.org/sdg/10","display_name":"Reduced inequalities"}],"study_designs":[{"id":"https://openalex.org/study-designs/observational-study","display_name":"Observational Study"}],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":58,"referenced_works":["https://openalex.org/W189555070","https://openalex.org/W1420460188","https://openalex.org/W1673292076","https://openalex.org/W1975820310","https://openalex.org/W1998819003","https://openalex.org/W2002682723","https://openalex.org/W2015762300","https://openalex.org/W2042432542","https://openalex.org/W2105846236","https://openalex.org/W2106096361","https://openalex.org/W2109841412","https://openalex.org/W2122209605","https://openalex.org/W2133564703","https://openalex.org/W2239306219","https://openalex.org/W2516013338","https://openalex.org/W2561541699","https://openalex.org/W2588309384","https://openalex.org/W2616426962","https://openalex.org/W2733368131","https://openalex.org/W2743384695","https://openalex.org/W2788597170","https://openalex.org/W2788984615","https://openalex.org/W2791271232","https://openalex.org/W2798651188","https://openalex.org/W2905811773","https://openalex.org/W2954817769","https://openalex.org/W2955829435","https://openalex.org/W2969670788","https://openalex.org/W3000449764","https://openalex.org/W3036791764","https://openalex.org/W3100507956","https://openalex.org/W3103216135","https://openalex.org/W3122230071","https://openalex.org/W3162822434","https://openalex.org/W3175485406","https://openalex.org/W3176966770","https://openalex.org/W3191286750","https://openalex.org/W3201159124","https://openalex.org/W3216492618","https://openalex.org/W4206576301","https://openalex.org/W4207013355","https://openalex.org/W4223468938","https://openalex.org/W4255353484","https://openalex.org/W4280610106","https://openalex.org/W4283378686","https://openalex.org/W4285011430","https://openalex.org/W4294550866","https://openalex.org/W4295242558","https://openalex.org/W4295290269","https://openalex.org/W4308031444","https://openalex.org/W4319063747","https://openalex.org/W4319066461","https://openalex.org/W4362664982","https://openalex.org/W4365445744","https://openalex.org/W4385667717","https://openalex.org/W4386916431","https://openalex.org/W4387058374","https://openalex.org/W4392771650"],"related_works":["https://openalex.org/W7117961385","https://openalex.org/W7223118308","https://openalex.org/W4390710097","https://openalex.org/W7222491378","https://openalex.org/W7203872921","https://openalex.org/W4388876937","https://openalex.org/W7223045580","https://openalex.org/W4404765475","https://openalex.org/W7160537900","https://openalex.org/W7159784372"],"abstract_inverted_index":{"Purpose":[0],"This":[1,42,62,112,152],"study":[2,43,47,63,131,153],"aims":[3],"to":[4,57,179,193,221],"examine":[5],"the":[6,15,20,34,59],"impact":[7],"of":[8,23,38],"perceived":[9,27],"benefits-risk":[10],"dynamics":[11,29],"on":[12,26,158],"financial":[13,24,74,78,96,142,219,231],"inclusion,":[14,240],"factor":[16],"driving":[17],"fintech":[18,31,39,99,105,159,227,241],"adoption,":[19,32,100],"mediating":[21],"effects":[22,37],"inclusion":[25,79,97,220],"benefit-risk":[28],"and":[30,33,69,87,98,107,118,122,145,165,182,197,212,226,232,243,251],"societal":[35,108,244,252],"sustainability":[36,245,253],"adoption.":[40],"Design/methodology/approach":[41],"used":[44,56],"a":[45,91,115,155],"quantitative":[46],"with":[48,191,195],"258":[49],"respondents":[50],"in":[51],"Sarawak,":[52,134],"Malaysia.":[53,135],"PLS-SEM":[54],"was":[55],"investigate":[58],"associations.":[60],"Findings":[61],"suggests":[64],"that":[65],"only":[66,132],"non-monetary":[67,85,174],"benefits":[68,86,117,175],"regulatory":[70,88],"risks":[71],"significantly":[72],"influence":[73],"inclusion.":[75],"In":[76],"addition,":[77],"acts":[80],"as":[81,101,103],"an":[82],"intermediary":[83],"for":[84],"risks.":[89,119],"Besides,":[90,129],"direct":[92],"relationship":[93],"exists":[94],"between":[95,104],"well":[102],"adoption":[106,242],"sustainability.":[109,203],"Research":[110],"limitations/implications":[111],"model":[113],"explores":[114],"few":[116],"Also,":[120],"technological":[121],"legislative":[123],"changes":[124],"may":[125,148],"alter":[126],"research":[127],"outcomes.":[128],"this":[130],"samples":[133],"Therefore,":[136],"country-specific":[137],"factors,":[138],"including":[139,161],"technology":[140],"infrastructure,":[141],"services":[143],"accessibility":[144],"cultural":[146],"variations,":[147],"affect":[149],"participant":[150],"responses.":[151],"offers":[154],"novel":[156],"perspective":[157],"by":[160,201],"Valence,":[162],"Public":[163],"Good":[164],"Sustainable":[166],"Information":[167],"Society":[168],"theories.":[169],"Practical":[170],"implications":[171,205],"Financial":[172,239],"inclusion\u2019s":[173],"must":[176],"be":[177],"emphasised":[178],"remove":[180],"barriers":[181],"meet":[183],"user":[184],"requirements.":[185],"Fintech":[186,206,215],"firms":[187,216],"should":[188,229],"also":[189],"work":[190],"authorities":[192],"comply":[194],"regulations":[196],"help":[198],"marginalised":[199],"populations":[200],"prioritising":[202],"Social":[204],"growth":[207],"requires":[208],"innovation,":[209],"consumer":[210],"protection":[211],"fair":[213],"competition.":[214],"can":[217],"enhance":[218],"address":[222],"inequalities":[223],"(SDG10).":[224],"Governments":[225],"solutions":[228],"incorporate":[230],"digital":[233],"literacy":[234],"into":[235],"education":[236],"(SGG4).":[237],"Originality/value":[238],"are":[246],"examined":[247],"using":[248],"emotional,":[249],"sociological":[250],"aspects.":[254]},"counts_by_year":[{"year":2026,"cited_by_count":9},{"year":2025,"cited_by_count":9},{"year":2024,"cited_by_count":1}],"updated_date":"2026-10-28T10:33:24.094632","created_date":"2024-07-23T00:00:00"}