{"id":"https://openalex.org/W7207564142","doi":"https://doi.org/10.5281/zenodo.22277837","title":"BARRIERS TO FINTECH ADOPTION AND THEIR IMPLICATIONS FOR FINANCIAL INCLUSION IN BAYELSA STATE","display_name":"BARRIERS TO FINTECH ADOPTION AND THEIR IMPLICATIONS FOR FINANCIAL INCLUSION IN BAYELSA STATE","publication_year":2026,"publication_date":"2026-09-10","ids":{"openalex":"https://openalex.org/W7207564142","doi":"https://doi.org/10.5281/zenodo.22277837"},"language":"en","primary_location":{"id":"doi:10.5281/zenodo.22277837","doi":"https://doi.org/10.5281/zenodo.22277837","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.22277837","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"JournalArticle"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["datacite"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://doi.org/10.5281/zenodo.22277837","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5068874133","display_name":"Ebierinyo Ayebaemi Akarara","orcid":"https://orcid.org/0000-0003-1591-1141","observed_orcids":["https://orcid.org/0000-0003-1591-1141"]},"institutions":[{"id":"https://openalex.org/I147765412","display_name":"Niger Delta University","ror":"https://ror.org/03pwcr767","country_code":"NG","type":"education","lineage":["https://openalex.org/I147765412"]}],"countries":["NG"],"is_corresponding":false,"raw_author_name":"Akarara, Ebierinyo Ayebaemi (PhD)","raw_affiliation_strings":["Department of Economics, Faculty of Social Sciences, Niger Delta University, Nigeria"],"raw_orcid":"https://orcid.org/0000-0003-1591-1141","affiliations":[{"raw_affiliation_string":"Department of Economics, Faculty of Social Sciences, Niger Delta University, Nigeria","institution_ids":["https://openalex.org/I147765412"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5085835965","display_name":"David Bunaebi Sese","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I2799775433","display_name":"Federal University Otuoke","ror":"https://ror.org/02jsvfh24","country_code":"NG","type":"education","lineage":["https://openalex.org/I2799775433"]}],"countries":["NG"],"is_corresponding":false,"raw_author_name":"Sese, David Bunaebi (PhD)","raw_affiliation_strings":["Department of Economics and Development Studies, Faculty of Social Sciences, Federal University, Otuoke, Bayelsa State, Nigeria"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Economics and Development Studies, Faculty of Social Sciences, Federal University, Otuoke, Bayelsa State, Nigeria","institution_ids":["https://openalex.org/I2799775433"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.92330002784729,"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":0.92330002784729,"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":0.06949999928474426,"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/T13346","display_name":"Digital Transformation in Financial Services","score":0.003700000001117587,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/fintech-adoption","display_name":"fintech adoption","score":0.9929999709129333},{"id":"https://openalex.org/keywords/barriers-to-adoption","display_name":"barriers to adoption","score":0.8579999804496765},{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"financial inclusion","score":0.9990000128746033},{"id":"https://openalex.org/keywords/bayelsa-state","display_name":"Bayelsa State","score":0.9279999732971191},{"id":"https://openalex.org/keywords/internet-access","display_name":"internet access","score":0.8519999980926514},{"id":"https://openalex.org/keywords/electricity-supply","display_name":"electricity supply","score":0.953000009059906},{"id":"https://openalex.org/keywords/digital-literacy","display_name":"digital literacy","score":1.0},{"id":"https://openalex.org/keywords/platform-trust","display_name":"platform trust","score":0.9890000224113464},{"id":"https://openalex.org/keywords/transaction-costs","display_name":"transaction costs","score":0.9990000128746033},{"id":"https://openalex.org/keywords/access-to-credit","display_name":"access to credit","score":0.953000009059906},{"id":"https://openalex.org/keywords/money-transfer","display_name":"money transfer","score":0.7250000238418579},{"id":"https://openalex.org/keywords/financial-literacy","display_name":"financial literacy","score":0.7310000061988831},{"id":"https://openalex.org/keywords/cybersecurity","display_name":"cybersecurity","score":0.5690000057220459}],"concepts":[{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.9384999871253967},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.7127000093460083},{"id":"https://openalex.org/C540431452","wikidata":"https://www.wikidata.org/wiki/Q16319025","display_name":"FinTech","level":3,"score":0.6621000170707703},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.6036999821662903},{"id":"https://openalex.org/C109359841","wikidata":"https://www.wikidata.org/wiki/Q728944","display_name":"Inclusion (mineral)","level":2,"score":0.5978000164031982},{"id":"https://openalex.org/C2778137410","wikidata":"https://www.wikidata.org/wiki/Q2732820","display_name":"Government (linguistics)","level":2,"score":0.5587000250816345},{"id":"https://openalex.org/C39896193","wikidata":"https://www.wikidata.org/wiki/Q380344","display_name":"Descriptive statistics","level":2,"score":0.5060999989509583},{"id":"https://openalex.org/C110875604","wikidata":"https://www.wikidata.org/wiki/Q75","display_name":"The Internet","level":2,"score":0.44040000438690186},{"id":"https://openalex.org/C142546437","wikidata":"https://www.wikidata.org/wiki/Q2661195","display_name":"Descriptive research","level":2,"score":0.4368000030517578},{"id":"https://openalex.org/C75949130","wikidata":"https://www.wikidata.org/wiki/Q848010","display_name":"Database transaction","level":2,"score":0.414900004863739},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.40400001406669617},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.3889000117778778},{"id":"https://openalex.org/C164516710","wikidata":"https://www.wikidata.org/wiki/Q1166072","display_name":"Financial transaction","level":3,"score":0.3749000132083893},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.33970001339912415},{"id":"https://openalex.org/C2777303138","wikidata":"https://www.wikidata.org/wiki/Q13499","display_name":"Debit card","level":4,"score":0.33550000190734863},{"id":"https://openalex.org/C2985890590","wikidata":"https://www.wikidata.org/wiki/Q244752","display_name":"Digital inclusion","level":3,"score":0.3240000009536743},{"id":"https://openalex.org/C2986592023","wikidata":"https://www.wikidata.org/wiki/Q1802419","display_name":"State government","level":3,"score":0.2989000082015991},{"id":"https://openalex.org/C26517878","wikidata":"https://www.wikidata.org/wiki/Q228039","display_name":"Key (lock)","level":2,"score":0.2808000147342682},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.2791999876499176},{"id":"https://openalex.org/C2983355114","wikidata":"https://www.wikidata.org/wiki/Q161380","display_name":"Credit card","level":3,"score":0.2680000066757202},{"id":"https://openalex.org/C121017731","wikidata":"https://www.wikidata.org/wiki/Q11661","display_name":"Information technology","level":2,"score":0.2605000138282776},{"id":"https://openalex.org/C98965940","wikidata":"https://www.wikidata.org/wiki/Q877496","display_name":"Transaction cost","level":2,"score":0.25839999318122864},{"id":"https://openalex.org/C173655357","wikidata":"https://www.wikidata.org/wiki/Q244752","display_name":"Digital divide","level":3,"score":0.25529998540878296},{"id":"https://openalex.org/C83849155","wikidata":"https://www.wikidata.org/wiki/Q1472399","display_name":"Internet access","level":3,"score":0.2526000142097473},{"id":"https://openalex.org/C48103436","wikidata":"https://www.wikidata.org/wiki/Q599031","display_name":"State (computer science)","level":2,"score":0.25189998745918274}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.5281/zenodo.22277837","doi":"https://doi.org/10.5281/zenodo.22277837","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.22277837","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"JournalArticle"},{"id":"doi:10.5281/zenodo.22277838","doi":"https://doi.org/10.5281/zenodo.22277838","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.22277838","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"JournalArticle"}],"best_oa_location":{"id":"doi:10.5281/zenodo.22277837","doi":"https://doi.org/10.5281/zenodo.22277837","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.22277837","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"JournalArticle"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/9","score":1.0,"display_name":"Industry, innovation and infrastructure"},{"id":"https://metadata.un.org/sdg/10","score":0.7578999996185303,"display_name":"Reduced inequalities"},{"id":"https://metadata.un.org/sdg/8","score":0.6452000141143799,"display_name":"Decent work and economic growth"}],"study_designs":[{"id":"https://openalex.org/study-designs/observational-study","display_name":"Observational Study"}],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W7167727489","https://openalex.org/W7155523282","https://openalex.org/W6911908129","https://openalex.org/W7133348672","https://openalex.org/W7220413523","https://openalex.org/W7131632611","https://openalex.org/W7159881302","https://openalex.org/W7161109730","https://openalex.org/W7140687228","https://openalex.org/W7126038947"],"abstract_inverted_index":{"This":[0],"study":[1,51,139,176],"examined":[2],"the":[3,23,33,40,50],"barriers":[4,35,44,111],"to":[5,21,36,69,153,168,184,222],"FinTech":[6,30,98,143,180,227],"adoption":[7,28,107,225],"and":[8,27,38,45,60,90,132,134,160,163,198,206,218],"their":[9],"implications":[10],"for":[11],"financial":[12,46,148,154,164,186,213],"inclusion":[13,47,149,187],"in":[14,49,77,126,188],"Bayelsa":[15,78,189],"State,":[16,190],"Nigeria.":[17],"The":[18,138,175],"objectives":[19],"were":[20,63,81],"assess":[22],"level":[24],"of":[25,29,97,124,130,226],"awareness":[26,96,220],"services,":[31,155],"identify":[32],"key":[34],"adoption,":[37],"examine":[39],"relationship":[41],"between":[42],"these":[43],"outcomes":[48],"area.":[52],"A":[53],"descriptive":[54,84],"survey":[55],"research":[56],"design":[57],"was":[58,202],"adopted,":[59],"primary":[61],"data":[62],"collected":[64],"through":[65,170],"structured":[66],"questionnaires":[67],"administered":[68],"582":[70],"respondents":[71,101],"drawn":[72],"from":[73],"different":[74],"socio-economic":[75],"groups":[76],"State.":[79],"Data":[80],"analyzed":[82],"using":[83],"statistics":[85],"such":[86],"as":[87],"frequency,":[88],"percentages,":[89],"mean":[91],"scores.":[92],"Findings":[93],"revealed":[94],"that":[95,142,178,204],"services":[99,144],"among":[100],"is":[102,193],"relatively":[103],"high;":[104],"however,":[105],"actual":[106],"remains":[108,173],"moderate.":[109],"Major":[110],"identified":[112],"include":[113],"poor":[114],"internet":[115],"connectivity,":[116],"irregular":[117],"electricity":[118],"supply,":[119],"low":[120],"digital":[121,127,171,210],"literacy,":[122,214],"lack":[123],"trust":[125],"platforms,":[128],"fear":[129],"fraud":[131],"cybercrime,":[133],"high":[135],"transaction":[136],"costs.":[137],"further":[140],"found":[141],"have":[145],"positively":[146],"influenced":[147],"by":[150,195],"improving":[151],"access":[152,167],"enhancing":[156],"money":[157],"transfer":[158],"efficiency,":[159],"promoting":[161],"savings":[162],"participation.":[165],"However,":[166],"credit":[169],"platforms":[172],"limited.":[174],"concluded":[177],"while":[179],"has":[181],"significant":[182],"potential":[183],"enhance":[185,212],"its":[191],"impact":[192],"constrained":[194],"infrastructural,":[196],"socio-economic,":[197],"security-related":[199],"challenges.":[200],"It":[201],"recommended":[203],"government":[205],"relevant":[207],"stakeholders":[208],"improve":[209],"infrastructure,":[211],"strengthen":[215],"cybersecurity":[216],"systems,":[217],"promote":[219],"campaigns":[221],"encourage":[223],"wider":[224],"services.":[228]},"counts_by_year":[],"updated_date":"2026-10-12T09:40:04.860316","created_date":"2026-09-04T00:00:00"}
