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Journal articles on the topic 'Technology; Innovation; Inclusion'

Author: Grafiati

Published: 5 June 2025

Last updated: 2 August 2025

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1

Datta, Avimanyu. "Information Technology and Firm Innovations." International Journal of Innovation in the Digital Economy 2, no. 4 (2011): 45–63. http://dx.doi.org/10.4018/ijide.2011100104.

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This paper provides a framework comprising of research agenda explicating the relations between IT Capability and Firm Innovation. Firm innovation is conceptualized as a combination of three constructs: networks, capabilities (absorptive capacity), and commercialization of innovations (CI). These three constructs have received a very lukewarm response from the IS research community. Inclusion of these three constructs, and examining how IT- capability affects the relationships between these constructs, is essential to examining the role of IT in innovation at the firm-level. Five research agen

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2

Dwivedi, Rajeev, Melfi Alrasheedi, Pradeep Dwivedi, and Berislava Starešinić. "Leveraging Financial Inclusion Through Technology-Enabled Services Innovation." International Journal of E-Services and Mobile Applications 14, no. 1 (2022): 1–13. http://dx.doi.org/10.4018/ijesma.289633.

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The majority of the Indian population is not getting the advantages of inclusive growth and development in India, referred to as financial inclusion and has become a challenge for the Indian economy. The paper aims to investigate the use of available technology-enabled financial services and their role for financial inclusion in the current COVID 19 situation and the reaching rural and semi-urban India. The research is based on the in-depth analysis of the government policies and Fintech in the light of India's situation during COVID 19. The study reveals that the government showed the intent

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Sufa, Kathya Irsmi, and Suparnyo. "Harmonization of Law and Technology: Supporting Human Sustainability Through Financial Technology (Fintech)." ICCCM Journal of Social Sciences and Humanities 3, no. 3 (2024): 7–14. https://doi.org/10.53797/icccmjssh.v3i3.2.2024.

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The development of Financial Technology (Fintech) has brought significant changes in financial transaction patterns, bringing great potential in supporting financial inclusion and sustainability. Fintech, as a form of financial service innovation, was born from the development of information technology, and has been proven to have a positive impact, especially in terms of financial inclusion and literacy, especially in the context of Islamic finance. Research shows that Fintech is able to increase levels of financial literacy and inclusion, making a positive contribution to the sustainability

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Hamid, Hira, Khurram Jawad, Rizwana Hayat, Shoaib Ghulam, and Shahzad Hussain. "Financial Inclusion, Technology Innovation and CO2 Emissions: International Evidence." Qlantic Journal of Social Sciences and Humanities 5, no. 3 (2024): 222–33. http://dx.doi.org/10.55737/qjssh.587103550.

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This research examines the elaborate association between FI, CO2 emissions, and the moderating role of technological innovation across 83 countries. The study, which includes the years 2003 to 2022, uses data from the WDI to investigate the dynamics and consequences of these interrelated factors. The major goal is to determine the influence of FI on CO2 emissions, taking into consideration the moderating role of technical progress. Through principal component analysis, the study seeks to understand the underlying mechanisms driving these associations by employing various statistical approaches

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Mabula, Juma Buhimila, Han Dong Ping, and Moshi James. "The Impact of African Firms’ Utilization of Financial and Technology Resource on Innovation: A Simple Mediation." SAGE Open 13, no. 1 (2023): 215824402311530. http://dx.doi.org/10.1177/21582440231153037.

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This study aimed at analyzing the influence of the use of technology on the use of financial services and innovation of SMEs in Africa. The study further analyzes the mediating role of the use of financial services on firm use of technology-innovation relationships among SMEs in Africa. The study utilizes data retrieved from the enterprise survey portal. The analysis employs multiple regression to test the models using SPSS, and the Sobel test further examines mediation. The results reveal a significant positive association of firm use of technology on the use of financial services and innovat

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Sun, Hongying, Yipei Luo, Jia Liu, and Miraj Ahmed Bhuiyan. "Digital inclusive finance, R&D investment, and green technology innovation nexus." PLOS ONE 19, no. 1 (2024): e0297264. http://dx.doi.org/10.1371/journal.pone.0297264.

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Green technology innovation is an effective means to achieve high-quality economic development. The impact and mechanism of digital financial inclusion on regional green technology innovation are tested using a threshold regression model and the panel fixed effect model, based on China’s provincial Panel data (provincial Panel data are regional annual report data) from 2011 to 2020. According to the study, there is a direct link between local green technology innovation and digital financial inclusion. This paper highlights the differences in their influence by location and usage depth and und

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Xue, Long, and Xuemang Zhang. "Can Digital Financial Inclusion Promote Green Innovation in Heavily Polluting Companies?" International Journal of Environmental Research and Public Health 19, no. 12 (2022): 7323. http://dx.doi.org/10.3390/ijerph19127323.

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This paper takes the China A-shares listed companies in heavy polluting industries from 2011 to 2020 as samples, combines the digital financial inclusion index to empirically examine the impacts of digital financial inclusion development on the green technology innovation of heavily polluting companies, and reveals its mechanism of action and its heterogeneity of the impacts of enterprises’ green technology innovation in different development stages. The empirical research results show that the development of digital financial inclusion is able to promote the green innovation of heavy-pollutin

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Szatkowska, Weronika Zuzanna. "Enhancing Inclusion within Responsible Innovation Process through Serious Gaming." Media - Kultura - Komunikacja Społeczna 4, no. 16 (2021): 13–29. http://dx.doi.org/10.31648/mkks.6742.

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This paper presents a theoretical consideration of the use of serious games to enhance inclusiveness in the process of creating so-called responsible innovation. The literature regarding the impact of serious games on inclusion with its possible implications for a responsible innovation process is explored. The article sheds light on the concept of serious gaming, including its aims, core elements and the learning process. It tackles inclusion within different contexts and its origins, linking it to gaming. The responsible innovation concept is explained from this perspective, with attention p

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Harnavela Sofyan, Khariidatul Bahiyyah, and Santy Sriharyati. "FINANCIAL TECHNOLOGY IN FINANCIAL INCLUSION." Jurnal Ekonomi Bisnis dan Manajemen 1, no. 2 (2023): 98–104. http://dx.doi.org/10.38204/ekobima.v1i2.1698.

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Financial technology is a technological innovation in financial products and services. Financial technology can become a new solution to increase the growth of financial inclusion. The term financial inclusion became a trend after the 2008 financial crisis. Financial inclusion is the availability of access to various financial institutions, products, and services to the needs and capabilities of the community to improve people's welfare. For this reason, this research examines the role of financial technology in increasing financial inclusion, by explaining how financial technology has an impa

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Peng, Ruixin, and Bing Zeng. "Digital Financial Inclusion and Inclusive Green Growth: Evidence from China’s Green Growth Initiatives." International Journal of Financial Studies 13, no. 1 (2024): 2. https://doi.org/10.3390/ijfs13010002.

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The inclusive and environmentally sustainable transformation of economic growth is a crucial indicator for the high-quality development of urban areas. In this perspective, this paper explores the connection between digital inclusive finance and inclusive green growth in 270 Chinese cities from 2011 to 2021. The study used a panel dataset, individual fixed-effects models, and multiple mediation models to analyze the results. The study findings reveal that digital inclusive finance effectively stimulates regional inclusive green growth and enhances positive transmission mainly by improving gree

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Yang, Ting. "Digital Financial Inclusion and Enterprise Technological Innovation." Advances in Economics, Management and Political Sciences 73, no. 1 (2024): None. http://dx.doi.org/10.54254/2754-1169/73/20231506.

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This study investigates how SMEs' creative activities are impacted by digital financial inclusion. Small and medium-sized businesses face severe funding constraints, and scientific and technical innovation struggles to advance quickly due to information asymmetry, regional development imbalance, and other issues. The dominating element of the current growth of inclusive finance, digital inclusive finance, may address these concerns through theoretical and empirical research. Despite the fact that digital inclusive finance is still in its infancy and that there are issues with the law, risk man

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Dhungana, Bharat Ram. "Financial Inclusion for Inclusive Growth in South Asian Nations: A Systematic Literature Review." Journal of Emerging Financial Markets and Policy 1, no. 2 (2022): 14–29. http://dx.doi.org/10.4038/jefmp.v1i2.6.

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Inclusive economic growth has become a priority agenda in many developing countries. This study reviews empirical research papers and secondary data relating to South Asian countries to assess the status and determinants of financial inclusion for inclusive growth in this region. Based on a review of 76 research papers, this study finds that financial inclusion in South Asian nations has continued to improve over time. Digital technology is becoming the most significant driver for financial inclusion building. There is a strong nexus between financial inclusion and inclusive growth. Financial

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Nnaemeka Valentine Eziamaka, Theodore Narku Odonkor, and Adetola Adewale Akinsulire. "Pioneering digital innovation strategies to enhance financial inclusion and accessibility." Open Access Research Journal of Engineering and Technology 7, no. 1 (2024): 043–63. http://dx.doi.org/10.53022/oarjet.2024.7.1.0029.

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In the rapidly evolving landscape of financial services, digital innovation has emerged as a pivotal force in driving financial inclusion and accessibility. This paper explores the strategic integration of cutting-edge technologies to bridge the financial divide, particularly for underserved and marginalized populations. The focus is on pioneering digital innovation strategies that leverage mobile technology, blockchain, artificial intelligence (AI), and cloud computing to create inclusive financial ecosystems. Mobile technology has revolutionized access to financial services, offering unbanke

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Meltarini. "Financial Literacy and Financial Technology: Factors Influencing Increased Financial Inclusion in Communities in Sumedang Regency." Formosa Journal of Sustainable Research 3, no. 5 (2024): 991–1002. http://dx.doi.org/10.55927/fjsr.v3i5.9077.

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This study discusses the factors that influence the improvement of financial inclusion in the community in Sumedang Regency. The survey results show that financial inclusion in Sumedang Regency is still low, with higher levels of financial access in urban areas than rural areas. Factors supporting financial inclusion, such as accessibility, awareness and education, affordability, and technology and innovation, play an important role in improving financial inclusion. Financial literacy and financial technology (fintech) adoption play a crucial role in improving financial inclusion in Sumedang R

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Puspita Sari, Ramadhani, and Imronudin. "ANALYSIS OF FINANCIAL INCLUSION THROUGH FINTECH INNOVATION." Journal of Management and Islamic Finance 2, no. 2 (2022): 184–203. http://dx.doi.org/10.22515/jmif.v2i2.5680.

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This study aims to explain the intention in using mobile money through the application of the Unified Theory of Acceptance and Use of Technology 2 (UTAUT 2) model. This research was conducted throughout the Solo Raya community. The number of samples in this study were 100 respondents. The data collection method used non-probability sampling with purposive sampling in which the researcher determines sampling by providing specific criteria. The research data was obtained through a survey method with a questionnaire technique. The analytical tool used to test the hypothesis was path analysis with

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Kumar, Rajiv, and Kunal Sinha. "Science, Technology and Innovation Equity and Inclusion in Electric Vehicle Sector." Integrated Journal for Research in Arts and Humanities 3, no. 5 (2023): 15–39. http://dx.doi.org/10.55544/ijrah.3.5.2.

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The rapid growth of the electric vehicle (EV) industry offers a unique chance to ensure that technological progress benefits all of society. This research paper centers on developing indicators to assess and encourage equity and inclusion in EV science, technology, and innovation. By establishing a comprehensive framework, this study aims to track progress, pinpoint areas for enhancement, and contribute to a more just and innovative future. The paper emphasizes clear goals, including increased workforce diversity, equitable EV technology access for marginalized communities, and fostering an in

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Tahol, Triana Olivia, Aprilina Susandini, and Vidi Hadyarti. "The Impact of Financial Inclusion and Technology Digitalization on The Development of The Creative Economy in Pamekasan." Indonesian Journal of Islamic Economics and Finance 4, no. 2 (2024): 317–36. https://doi.org/10.37680/ijief.v4i2.6357.

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This study aims to determine the impact of financial inclusion and technology digitalization on the development of the creative economy in Pamekasan, as measured by indicators of product innovation, marketing innovation, financial system innovation, and human resource management innovation. This study uses a quantitative approach involving 85 respondents as samples. Data was collected through field observations, structured interviews, and questionnaires compiled using a Likert scale. Data analysis was carried out using data instrument tests, classical assumption tests, and hypothesis tests wit

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Sun, Mingyue, Jing Xu, Haoyue Tang, and Zishuai Zu. "Research on the Impact of Digital Financial Inclusion on R&D Innovation." E3S Web of Conferences 275 (2021): 01017. http://dx.doi.org/10.1051/e3sconf/202127501017.

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Based on the panel data of China’s provinces from 2011 to 2019, this paper studies the impact of financial science and technology on scientific and technological innovation through fixed effect model. The empirical results show that scientific and technological innovation has a positive correlation with the Inclusive Financing index, indicating that the development of scientific and technological innovation will promote financial science and technology. The R&D expenditure of industrial enterprises has a negative correlation with the Inclusive Financing Index, which shows that during the p

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Toluwalase Vanessa Iyelolu, Edith Ebele Agu, Courage Idemudia, and Tochukwu Ignatius Ijomah. "Legal innovations in FinTech: Advancing financial services through regulatory reform." Finance & Accounting Research Journal 6, no. 8 (2024): 1310–19. http://dx.doi.org/10.51594/farj.v6i8.1374.

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This paper explores the transformative impact of legal innovations in financial technology (FinTech) and regulatory reform on advancing financial services. By examining regulatory sandbox programs, proportionate regulation, and regulatory technology (RegTech) solutions, the paper analyzes their role in promoting innovation, enhancing market efficiency, and fostering economic growth within the FinTech ecosystem. Key findings underscore the importance of regulatory flexibility, collaboration, and innovation in navigating regulatory challenges while promoting consumer protection and financial sta

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20

Corley, Sarah, Victor Malu, and Aries Setiadi. "Building ecosystems in digital finance for innovation and inclusion." Journal of Digital Banking 10, no. 1 (2025): 40. https://doi.org/10.69554/gete2247.

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Globally, 1.4 billion adults remain unbanked, with many more inadequately served by existing financial services. Technological advancements are transforming the accessibility and affordability of financial products, enabling the viability of high-volume, low-value financial products. The demand for access to a greater number of services and more personalised products and services is growing, placing the industry in a position where new ways of working are required to meet these needs. To address the needs of all consumers, especially those who are unserved or underserved, a robust and collabor

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Pahriati, Pahriati. "DIGITAL FINANCIAL INNOVATION AND SHARIA BANKING FINANCIAL INCLUSION." Tawazuna 3, no. 2 (2024): 10–15. http://dx.doi.org/10.35747/twz.v3i2.1005.

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Digital financial innovation refers to used benefit of information technology, like internet and mobile applications, provided financial services those are more efficient, accessible and affordable, and also financial inclusion means providing access all levels of society, including those in remote or less developed area to have opportunity to use various services and financial products. This article uses qualitative research with datas collection techniques like searching in journals, articles and book that discuss digital financial innovation and islamic banking financial inclusion. After co

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Puzhakkal, Rajani, and Sarannya Sivansankaran. "Fintech: A Stepping Stone Towards Financial Inclusion." Journal of Business Management and Information Systems 11 (March 20, 2024): 29–34. http://dx.doi.org/10.48001/jbmis.2024.si1006.

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Digital transformation underscored as the fourth industrial revolution has led to the emergence of various sophisticated technology-enabled financial services in various fields. One such major innovation called Fintech took place in the field of commerce and management as well. Fintech as the term implies is the combination of two terms Finance and Technology which simply means application of technology in the field of finance. Fintech refers to all the digital technologies that have the potential to transform the provision of financial services spurring the development of new or modify the ex

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Zhang, Xuheng. "Does Digital Financial Inclusion Promote Innovation among Small and Medium-sized Enterprises?" International Journal of Social Sciences and Public Administration 5, no. 2 (2024): 223–30. https://doi.org/10.62051/ijsspa.v5n2.27.

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In recent years, due to the rapid development of information technology and the Internet, digital inclusive finance has emerged based on Internet technology. Compared with traditional finance, digital inclusive finance has higher availability, wider coverage, and stronger sustainability, which is conducive to small and medium-sized enterprises to break financing constraints, broaden financing channels, and develop enterprise innovation. Therefore, this study selects relevant data on Chinese small and medium-sized enterprises from 2012 to 2020 to empirically test the impact of digital inclusive

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JosephNg, Poh Soon, Cheng Kian Wong, Koo Yuen Phan, and Jianhua Sun. "Natural Language Processing Stock Prediction Model Inclusion Innovation." Journal of Advanced Research in Applied Sciences and Engineering Technology 65, no. 2 (2025): 153–75. https://doi.org/10.37934/araset.65.2.153175.

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In the burgeoning era of technology, Artificial Technology plays a pivotal role across various sectors, including the financial market for a responsive institution. With the implementation of AI tools, the financial market is expected to function more efficiently while simultaneously reducing costs and time. The financial industry, grappling with biases in stock analysis and limited stock prediction tools, seeks an integrated solution merging technical analysis with current information through advancements like Natural Language Processing (NLP) to enhance the accuracy and efficiency of stock t

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Ayisi-Nyarko, Daniel, Fallys Masambuka-kanchewa, and Bernard Obaa. "Students’ Perceptions of the Role of Various Players in Agricultural Technologies and Innovations Development." Journal of Agricultural Studies 12, no. 1 (2023): 38. http://dx.doi.org/10.5296/jas.v12i1.21458.

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Technologies and innovations have revolutionized the agricultural industry throughout time; as more technologies and innovations keep gaining prominence in the agricultural industry, there is an increasing divergence of views on their origin, creators, and meaning among scholars across the scientific fields. Students in agricultural programs emerge from different fields in the agricultural disciplines; as a result, they have different exposure and experience with different technologies and innovations. Their varied backgrounds influence how they define, explain, and conceptualize technologies

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Shrestha, Rupa, and Liza Tamang. "Financial Inclusion through FinTech Innovation: Predicting User Acceptance of Digital Wallet." Batuk 9, no. 2 (2023): 37–48. http://dx.doi.org/10.3126/batuk.v9i2.57026.

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Conceptualizing the theme that a person is more likely to be left out of the financial system, the poorer and more disadvantaged they are, because the financial service sector functions in a way that benefits the socially powerful. This study is carried out to understand the factors influencing adoption of digital wallet and to examine the impact of digital wallet adoption on financial inclusion. Two established models of technology adoption; Technology Acceptance Model (TAM) and Unified Theory of Acceptance and Use of Technology (UTAUT), are used to conduct the study. The customers of Kathman

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Carina Santos Silveira, Ana Nery dos Santos, Cecília dos Santos Oliveira, and France Ferreira de Souza Arnaut. "Development of Accessible Virtual Reality Technology for User Inclusion." JOURNAL OF BIOENGINEERING, TECHNOLOGIES AND HEALTH 7, Suppl2 (2025): 15–22. https://doi.org/10.34178/jbth.v7isuppl2.447.

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This research aimed to develop accessible hardware technology for virtual reality (VR), enabling its use across diverse environments and by a broader range of users. This approach aims to bridge the gap where technological advancements often become social barriers.We analyzed existing market technologies through an applied research method and designed a cost-effective, sustainable VR headset. The developed technology has been successfully validated, offering immersive interaction with VR environments while fostering innovation and creativity. However, particular challenges remain and present o

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Chu, Charlene, Ruth Melo, and Barbara Bowers. "INNOVATING LONG-TERM CARE DURING COVID-19 ACROSS FOUR NATIONS: INNOVATIONS, BARRIERS, AND FACILITATORS." Innovation in Aging 8, Supplement_1 (2024): 660. https://doi.org/10.1093/geroni/igae098.2159.

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Abstract The COVID-19 pandemic has starkly highlighted the vulnerabilities of older adults in residential long-Term Care Homes (LTCHs), amplifying calls to “reimagine” the LTC sector. Active engagement and inclusion of older adults, their families, and staff in the development and implementation of LTC innovations have been recommended by the United Nations and the World Health Organization, but little is known about such engagement in innovations. This symposium presents a comprehensive scoping review aimed at understanding innovations implemented in LTCHs in four countries (Brazil, Canada, S

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Handrian, Eko, and Mita Novita. "Adopsi Inovasi Kebijakan Digital yang Inklusif: Studi Kasus Aplikasi SIPINTAR PEDULI di Kota Pekanbaru." PUBLIKA : Jurnal Ilmu Administrasi Publik 11, no. 1 (2025): 105–19. https://doi.org/10.25299/jiap.2025.21882.

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This study examines the inclusiveness of digital policy innovation adoption through the implementation of the SIPINTAR Peduli application (Integrated Service System for Assisting the Identity of the Homeless) in Pekanbaru City. Designed to facilitate access to civil registration services for marginalized groups—particularly the homeless—the application serves as a digital public service innovation aimed at enhancing social justice. Employing a qualitative approach with an exploratory case study design, this research integrates Rogers’ Diffusion of Innovations theory with the Digital Inclusion

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Harprayudi, Aryo Dwi, Donald Crestofel Lantu, and Dedy Sushandoyo. "Inclusion Through Innovation: Online Learning in Higher Education." International Journal of Social Service and Research 5, no. 6 (2025): 662–80. https://doi.org/10.46799/ijssr.v5i6.1266.

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This research investigates both the opportunities and limitations of online learning as a means to broaden access to business education in developing countries. Although online platforms are often viewed as scalable tools for expanding educational reach, numerous structural and pedagogical challenges continue to hinder their overall effectiveness. Using a systematic literature review, this study compiles insights from recent academic publications and organizes them within a conceptual framework based on input-process-impact logic. It draws upon the Unified Theory of Acceptance and Use of Techn

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Habib, Md Ahsan, Muhammed Mahbubur Rahaman, and M. Wahiduzzaman. "Educational Transformation: Refocusing Research, Innovation, Technology Integration and Social Inclusion – An Editorial." Teacher’s World: Journal of Education and Research 49, no. 2 (2024): 9–14. http://dx.doi.org/10.3329/twjer.v49i2.71982.

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In the post-pandemic era, the world simultaneously witnessed a rapid move towards technological integration and global interconnectedness, alongside social-economic disparities and setbacks. As a result of the COVID-19 pandemic, scientific progress extended beyond the healthcare industry and encompassed various domains of knowledge, including education. The pandemic accelerated the incorporation of ICT in education, an area that had lagged behind other sectors. Conversely, digital integration generates a disparity in knowledge acquisition between individuals who possess access to it and those

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Arssi, Abdelaziz. "Towards the Inclusion of Children with Disabilities in Morocco." International Journal of Technology, Innovation, and Education 2, no. 1 (2024): 87–105. https://doi.org/10.5281/zenodo.14788396.

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Arssi, A. (2024). Towards the Inclusion of Children with Disabilities in Morocco. <em>The International Journal of Technology, Innovation, and Education, 2</em>(1), 87-105. https://doi.org/10.5281/zenodo.14788396

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Singh, Neelesh. "Financial Technology (Fintech) Innovation and Disruption in Banking." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 06 (2025): 1–9. https://doi.org/10.55041/ijsrem50331.

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Abstract The financial services sector in India is undergoing a transformative shift driven by Financial Technology (Fintech) firms, challenging traditional retail banking. This study investigates the impact of fintech innovations, including mobile payments, digital wallets, and robo-advisory services, on consumer behavior and banking operations in India. Employing a mixed-methods approach, primary data was collected via an online survey of 40 respondents, supplemented by secondary data from industry reports. Results show that 75% of respondents regularly use fintech platforms, with 59% percei

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Shen, Xingyue. "The Impact of Digital Financial Inclusion on Green Innovation in the Yangtze River Delta." Highlights in Business, Economics and Management 23 (December 29, 2023): 196–204. http://dx.doi.org/10.54097/8ff59m19.

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Digital financial inclusion is developing rapidly, and studies have confirmed that it has brought great impact on science and technology innovation. Taking green innovation as a new perspective, this paper explores the impact of digital inclusive finance on green innovation in the Yangtze River Delta from 2011 to 2020 based on the use of Eviews software, and concludes that digital inclusive finance has a significant positive effect on green innovation in the YRD region. It is further analyzed to conclude that both the sub-dimensions of breadth of coverage and depth of use of digital financial

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Rybakovas, Egidijus, and Gerda Zigiene. "Financial Innovation for Financial Inclusion: Mapping Potential Access to Finance." European Conference on Innovation and Entrepreneurship 17, no. 1 (2022): 451–57. http://dx.doi.org/10.34190/ecie.17.1.645.

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The importance of access to finance as a significant problem for business development is considered one of the measures representing the level of financial inclusion. Developing financial innovations, such as crowdfunding, mobile payments, AI-based credit scoring systems, and even blockchain technologies has an immense potential to increase financial inclusion, increase access to finance for individuals and businesses, enabling the unscored or unbanked population to become active members of financial markets. Studies have shown the positive impact of financial technology on individuals' financ

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Kaluyu, Veronicah, and Rodney Muriuki. "Influence of production technology innovation strategy on business success: A case of fresh produce exporters in Kenya." University Journal 3, no. 2 (2021): XX. http://dx.doi.org/10.59952/tuj.v3i2.13.

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Despite the fact that recent advances in technology offers opportunity for increased efficiency and business success in many sectors, Kenya’s agribusiness sector has not fully enjoyed increased benefits associated with technological advancement. Hence, the purpose of this study was to establish the influence of production technology innovation strategy on business success, with a focus on the fresh produce export industry in Kenya. The study used a descriptive correlational survey research design. Using a target population of 725 management level employees, the study narrowed to a sample size

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Febriantika, Aditya, Rianita Puspa Sari, and Aulia Fashanah Hadining. "Analisis Pengaruh Aspek Technology-Organization-Environment dalam Financial Technology terhadap Financial Inclusion UMKM Karawang." JURNAL TEKNIK INDUSTRI 10, no. 2 (2019): 170–80. http://dx.doi.org/10.25105/jti.v10i2.8401.

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Intisari— Permulaan Industri 4.0 ditandai dengan munculnya rekayasa intelegensia dan internet of thing. Industri 4.0 diperkirakan akan mempunyai potensi manfaat yang besar, namun menyimpan berbagai dampak negatif salah satunya adalah disrupsi pada ancaman lapangan pekerjaan yang membuat persaingan semakin ketat. Langkah Pemerintah Indonesia dalam mengatasi hal tersebut dengan membuat roadmap making Indonesia 4.0. Salah satu langkah inisiatif dalam roadmap making Indonesia 4.0 adalah pemberdayaan usaha kecil, mikro, dan menengah (UMKM) dan insentif dalam inovasi atau penggunaan teknologi. Namun

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Mr., Avinash Vitthalrao Aneraye, and Mausumi Palei Ms. "Assistive and Adaptive Technology for Inclusion." International Journal of Social Science and Humanities Research 12, no. 4 (2024): 407–12. https://doi.org/10.5281/zenodo.14557305.

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<strong>Abstract:</strong> People with disabilities may now actively engage in social activities, work, and education thanks to assistive and adaptable technology, which are revolutionary in promoting inclusion. From simple equipment like hearing aids and braille readers to sophisticated systems like eye-tracking gadgets and AI-powered communication aids, these technologies cover a wide spectrum. Within the framework of inclusive education, they tackle the obstacles encountered by students with disabilities, offering customized solutions that cater to their various requirements. The article ex

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Wijaya, Tria Fenda Afi. "Artificial Intelligence (AI) Innovation in Driving Global Financial Inclusion." Applied Business and Administration Journal 4, no. 02 (2025): 111–19. https://doi.org/10.62201/abaj.v4i02.225.

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Financial inclusion is a critical element in achieving sustainable economic growth and reducing inequality, especially among Micro and Small Enterprises (MSEs). This article examines Artificial Intelligence (AI) innovations that play a role in driving global financial inclusion, and how student programs can support Sustainable Development Goal (SDG) 8. By utilizing digital solutions, students play an active role in designing applications and platforms that improve MSEs’ access to financial services. Through a qualitative approach, this study highlights several student initiatives that have suc

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LUXMORE, STEPHEN R., and CLYDE EIRÍKUR HULL. "EXTERNALITIES AND THE SIX FACETS MODEL OF TECHNOLOGY MANAGEMENT: GENETICALLY MODIFIED ORGANISMS IN AGRIBUSINESS." International Journal of Innovation and Technology Management 07, no. 01 (2010): 19–36. http://dx.doi.org/10.1142/s0219877010001799.

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The Six Facets Model of technology management has previously only been applied to process innovation at the firm and the industry level. In this article, the model is applied to product innovation for the first time. In the context of genetically-modified organisms in the agribusiness industry, we examine radical product innovation through the Six Facets Model. We propose, based on the history of genetically-modified organisms in agribusiness, that when applied to product innovation the Six Facets Model will benefit considerably from the inclusion of potential negative externalities and the re

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Chmielewski, Mariusz, Karol Śledzik, Renata Płoska, and Joanna Pioch. "Responsible research and innovation transfer: The perspective of universities." Horyzonty Polityki 14, no. 49 (2023): 35–52. http://dx.doi.org/10.35765/hp.2506.

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RESEARCH OBJECTIVE: The aim of this paper is to answer the research question: Which issues play crucial roles in universities’ responsible research and the innovation transfer process? The tool used to achieve the aim of the study was analysis of the specific role of the concept of responsible research and innovation transfer from universities to the economy. THE RESEARCH PROBLEMS AND METHODS: The research results can generate innovations that can be transferred to the economy. Considering all stakeholders of innovations transferred from universities to the economy, the criteria of evalu

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Amit Kumar Jha. "Manuscript Writing On Digital Transformation in NBFC Loan Applications: An Examination of Effects on Financial Inclusion in India." Cuestiones de Fisioterapia 54, no. 2 (2025): 3502–11. https://doi.org/10.48047/md0jmb62.

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Digital technologies are swiftly advancing into various aspects of human life, and the microfinance sector is one area experiencing this transformation. Continuous advancements in digital technology are transforming operational models, governance frameworks, risk profiles, industry networks, and prevailing practices. The innovation and integration of digital technology hold significant importance due to their capacity to foster development by driving innovation, enhancing efficiency, and promoting inclusion.

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Wang, Mengna, and Xingchao Ma. "The Impact of Digital Financial Inclusion on Regional Green Innovation Research." Frontiers in Business, Economics and Management 13, no. 1 (2024): 93–103. http://dx.doi.org/10.54097/8vm40q23.

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Relying on green technological innovation and developing green technology is an important support for the green transformation of society. This paper empirically analyzes the impact and mechanism of digital finance on green innovation by comprehensively applying fixed effect model, multiple linear regression and mediation effect model. The results show that digital inclusive finance can significantly incentivize green innovation, and the conclusions remain robust after multiple robustness tests. The mediation effect analysis shows that digital inclusive finance can enhance entrepreneurial acti

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Dolphy, M. Abraham, Mohan Gopinath, and Edwin Castelino. "Janalakshmi Financial Services Private Limited: strategic innovation to achieve financial inclusion." Emerald Emerging Markets Case Studies 2, no. 8 (2012): 1–18. http://dx.doi.org/10.1108/20450621211306593.

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Subject area Strategic innovation through the deployment of a sophisticated collection of information systems and technologies to help accomplish financial inclusion for the urban poor. Study level/applicability This case is suitable for graduate courses on strategic planning and innovation. Case overview Janalakshmi Financial Services (JFS) is a microfinance company that seeks to serve the financial service needs of the urban poor, a market segment with huge growthpotential. This operation involves large numbers of cash transactions making effective control mechanisms necessary. However, smal

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Leo, Sabrina, and Ida Claudia Panetta. "Distributed ledger technology and the future of finance: tracking innovation, regulation and inclusion." Technology Analysis & Strategic Management 37, no. 4 (2025): 369–72. https://doi.org/10.1080/09537325.2025.2464881.

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Kourav, Raja. "FROM INNOVATION TO INCLUSION: AN OVERVIEW OF TECHNOLOGY'S ROLE IN SOCIAL DEVELOPMENT IN INDIA." BSSS Journal of Management 15, no. 1 (2024): 66–82. http://dx.doi.org/10.51767/jm1505.

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The intersection between technology and social development has been a subject of interest for researchers and policymakers worldwide. India, with its rapidly growing economy and large population, with a complex social and economic landscape. Over the past decade, there has been a significant increase in the adoption of technology in various sectors, including healthcare, education, agriculture, industry, and governance services. This paper examines the role of technology in promoting social development in India, with a particular focus on the journey from innovation to inclusion. The paper rev

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Ozkan, Mihrimah, Kiruba Krishnaswamy, and Jay Walsh. "The Intersections of Innovation." Technology & Innovation 22, no. 4 (2023): 437–45. http://dx.doi.org/10.21300/22.4.2023.3.

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To unlock the power of creativity and innovation, it is very important to engage the entire in- novation ecosystem so that the full potential can be unveiled. These collaborative intersectional spaces between different disciplines — academia-industry, faculty-administration, and faculty-students — can open new dimensions for creative excellence, and thus, such intersectional spaces need to be created and nurtured. To this end, here, the pillars of innovation: creativity, motivation, ecosystem, and support, are discussed and their impacts on generating innovations are presented. While existing

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Wicaksana, Dwi Yoga. "FINTECH FOR SDGS: DRIVING ECONOMIC DEVELOPMENT THROUGH FINANCIAL INNOVATION." Journal of Digital Business and Innovation Management 2, no. 2 (2023): 126–38. http://dx.doi.org/10.26740/jdbim.v2i2.57960.

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This research delves into the pivotal role of Financial Technology (FinTech) in advancing the financial sector, sustainable development, and financial inclusion. Employing a descriptive-qualitative approach and the systematic literature review (SLR) method, the study investigates FinTech's interplay with Sustainable Development, Financial Inclusion, and Economic Development globally. A meticulous Scopus search utilizing keywords like "Fintech," "SDGs," "Financial Inclusion," and "Economic Development" ensures a thorough review of pertinent literature. The results underscore FinTech's substanti

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Yoyok Yuli Rianto, Slamet, Windi Juni Alma, Doni Maradona, Muhammad Khirzan Nazar Noe`man, and Winda Puspita Sari Sudradjat. "Sejarah Peran Teknologi dalam Perkembangan Ekonomi Syariah: Inovasi, Implementasi, dan Implikasinya." Journal of Comprehensive Science (JCS) 4, no. 1 (2025): 333–44. https://doi.org/10.59188/jcs.v4i1.2988.

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Sharia economics, which is based on the principles of Islamic law, has undergone significant transformations along with technological advancements. In recent decades, the development of digitalization, including blockchain technology and artificial intelligence (AI), has transformed the Islamic economic sector, especially in terms of transparency, security, and transaction efficiency. This technology supports the expansion of Islamic financial inclusion and accelerates the adoption of sharia-based financial services, such as Islamic digital banking. However, the main challenge faced is how to

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Wu, Wanqi. "The impact of digital financial inclusion on enterprises’ innovation ability in China empirical evidence from high-tech SMEs." SHS Web of Conferences 163 (2023): 01008. http://dx.doi.org/10.1051/shsconf/202316301008.

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Taking the technology-based SMEs as the research object, the principal component analysis method is utilized to construct the enterprise innovation capability index. The research shows that the development of digital inclusive finance has a significant positive impact on innovation capability, and the positive effect is still significant under the robustness test. However, there is no intermediary effect of financing constraints in the segmented market of small and medium-sized technology-based enterprises, which is partly due to the difficulty of efficient project identification of the digita

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