International journal of economic perspectives

Fintech and financial inclusion for economic transformation

Evans Osborn Nene Daker Ocansey — Sun, 01 Jun 2025 00:00:00 +0000

This study explores the dynamic relationship between fintech, financial inclusion, and economic transformation, emphasizing how digital financial technologies can drive inclusive and sustainable economic growth. Data was obtained from international monetary fund (IMF), and respect of 48 African countries for the study. Using least square regression, and Structural Equation Modeling (SEM), the research analyzes how fintech promotes financial inclusion and, in turn, how both influence key economic indicators such as GDP growth, inflation, interest rates, and foreign investment. The findings show that fintech significantly enhances access to financial services, especially for underserved populations, thereby fostering financial inclusion. Financial inclusion contributes to economic transformation by improving access to credit, encouraging entrepreneurship, and enabling broader participation in formal economic systems. The research recommends policies that promote innovation while ensuring digital literacy, consumer protection, and financial infrastructure development. Future research should explore how fintech affects different demographic groups, including women, youth, and rural communities, to reveal potential disparities in access and benefits. This study contributes meaningful insights for policymakers and development actors aiming to leverage fintech for inclusive and transformative economic development.

The industrialization and modernization process of China – Lessons learned for Vietnam

Pham Ngoc Tram — Wed, 04 Jun 2025 00:00:00 +0000

The process of industrialization and modernization in China has been carried out over several decades to build a robust economy based on a foundation of modern industry and the application of advanced scientific and technological achievements. This effort has not only enabled China to achieve high labor productivity, improve production efficiency, and enhance product quality but also strongly promoted the restructuring of its economy toward modernization and sustainability. In the course of research, the combined use of historical and logical methods has made it possible to reconstruct a comprehensive and detailed picture of China's industrialization and modernization process. Through this, core and essential aspects of the process have been clarified, and valuable lessons have been drawn. These lessons not only inspire but also serve as a foundation for Vietnam to reference and apply in its current efforts to achieve industrialization and modernization in its economic and social development.

The hidden drivers of organizational performance: A case study of NAFTAL GPL Tiaret

Mahida Hanane, Bouri Sarah, Mehor Hadj M’hamed, Khelifi Hafidha — Wed, 04 Jun 2025 00:00:00 +0000

This study aims to explore the impact of both material and moral incentives on the organizational performance of the company NAFTAL, located in the wilaya of Tiaret. Using a questionnaire consisting of 26 questions distributed to 40 employees, the collected data were analyzed using SPSS28 software. The results indicate that financial incentives, such as bonuses, significantly enhance productivity and collective outcomes. At the same time, moral incentives such as recognition, appreciation, and opportunities for personal development strengthen employee engagement and foster a sustainable performance dynamic. The study highlights a statistically significant relationship between incentives (both material and moral) and organizational performance, demonstrating that employee motivation is a critical strategic lever. It further emphasizes that an organization’s performance relies as much on effective human resource management as it does on technical or financial resources. In conclusion, the research confirms that a balanced approach combining financial rewards with moral recognition can significantly improve an organization’s overall performance.

The conditions for successful change management when integrating information and communication technologies into Algerian public organisations: The case of CNEP-Banque of Tizi-Ouzou

Dihya Hessas, Akila Rachedi, Dalila Matmar — Tue, 10 Jun 2025 00:00:00 +0000

This research aims to understand the conditions for successful organisational change linked to the integration of ICT within CNEP-Banque. It is based on a multidimensional theoretical framework (Bouzidi & al., 2018), allowing the analysis of the human, functional and technological dimensions of change in an integrated manner. The study is based on a qualitative methodology combining non-participant observation, documentary analysis and interviews with branch managers. The results show that the success of the change depends on a coherent articulation of these dimensions, including the organisational one. However, these conclusions apply to a planned change and cannot be generalised to situations where change is sudden.

Role of brand love mediating the effects of brand experience and brand satisfaction on brand loyalty

Fri, 13 Jun 2025 00:00:00 +0000

Changes in the modern era compels companies across all sectors to adapt, with the retail industry being particularly affected. Indomaret, a leading retail chain in Indonesia, currently holds the second position in the Top Brand Index and has experienced fluctuating revenues over the past five years. This study aims to examine the mediating role of brand love in the relationship between brand experience, brand satisfaction, and brand loyalty among Indomaret customers in Denpasar City. This study uses a quantitative approach. The sample was taken using a non-probability sampling method, namely purposive sampling and the number of respondents was 180 people. Data were collected through surveys distributed via Google Forms and direct outreach. The data analysis was conducted using both descriptive and inferential statistical methods. The findings reveal that brand experience has a positive and insignificant effect on brand loyalty, while brand satisfaction has a positive and significant effect on brand loyalty. Furthermore, brand love fully mediates the relationship between brand experience and brand loyalty and serves as a partial complementary mediator between brand satisfaction and brand loyalty. This research is an implementation of Expectation Confirmation Theory. All measurement indicators demonstrated good and high scores, suggesting that Indomaret has the potential to increase customer loyalty by focusing on key dimensions, especially in the brand experience and brand satisfaction sections.

The mediating role of customer satisfaction and engagement in the relationship between customer experience and repurchase intention

Fri, 13 Jun 2025 00:00:00 +0000

The coffee business in Indonesia has become increasingly competitive, especially in Denpasar, Bali, where coffee shops are growing rapidly. One of the key players in this industry is Fore Coffee, which has established several outlets across Denpasar. Despite offering innovative concepts and a variety of products, Fore Coffee is facing challenges such as declining revenue and reduced customer loyalty. This study aims to analyze the influence of customer experience on repurchase intention, with customer satisfaction and customer engagement acting as mediating variables. This research adopts a quantitative associative approach, using a survey method involving 140 Fore Coffee customers in Denpasar. The variables examined include customer experience (sense, feel, think), customer satisfaction (product quality, price, service), customer engagement (enthusiasm, attention, absorption, interaction, identification), and repurchase intention (transactional, preferential, exploratory). Data analysis was carried out using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method to test the validity and reliability of the measurement model, as well as the relationships between variables. The findings reveal that customer experience has a significant and positive effect on customer satisfaction, engagement, and repurchase intention. Furthermore, both satisfaction and engagement also have a significant influence on repurchase intention and partially mediate the effect of customer experience. These results highlight the importance of delivering a consistently positive customer experience to build stronger customer loyalty and encourage repeat purchases. Based on these findings, it is recommended that Fore Coffee focus on strategies that enhance customer experience through responsive service, comfortable store environments, and innovative product offerings. Improving satisfaction can be achieved by monitoring service quality and order processing speed, while customer engagement can be strengthened through interactive digital campaigns that reflect social and environmental values. Such strategies are expected to increase customer loyalty and help Fore Coffee remain competitive in the growing coffee shop market.

The evolution of Middle East migration research: A bibliometric analysis

Isa Kalayci, Omer Cem Karacaoglu, Ayşen Yeter — Sun, 15 Jun 2025 00:00:00 +0000

The geography of Southwest Asia, known as the Middle East, is rich in historical, socio-economic and political diversity. This geography is also the scene of many migration events due to factors such as conflicts arising from internal and external causes, internal strife, disasters, struggles for influence, inequality of opportunity, and insecurity created by authoritarian regimes. This study examines the evolution of 2914 academic studies on the Middle East and migration between 1947 and 2024 through bibliometric analysis. During this period, a significant increase in the number of citations has been observed, and this increase has been especially evident since the early 2000s. We also found an increase in the number of articles on the subject, especially since the 2010s. As a result of the review, collaboration between authors, productivity and the influence of specific authors were emphasized. The effectiveness of countries such as the USA, UK and France in scientific research is evaluated, and the importance of countries such as Greece, Kenya and New Zealand is emphasized. In conclusion, this study provides important clues for understanding the evolution of research on the Middle East and migration and for developing strategies for future research.

A meta-analytical study of the antecedents of customer engagement

Thu, 19 Jun 2025 00:00:00 +0000

This study fills a gap in customer engagement (CE) literature by exploring the influence of emotions and psychological differences. It analyses the relationship between nine antecedents—brand experience, consumer age, trust in brand, involvement, customer satisfaction, interaction, reward, perceived value, and product quality—and five CE outcomes: word of mouth, loyalty, brand commitment, purchase intention, and firm performance. A meta-analysis of 101 studies identifies 14 antecedents of CE, considering moderators such as sample size, publication year, study context (product vs. services), and location. Results indicate moderate to high effect sizes for all antecedents on CE, with significant impacts from the moderators. The study provides theoretical and managerial implications based on these findings.

The challenges and opportunities of digital transition in public administrations in Morocco

Abdelkader Elmoutaoukil, Belkacem Chokri — Sat, 21 Jun 2025 00:00:00 +0000

Thanks to the explosion of the Internet and the rapid development of information and communication technologies (ICT), notably digital devices such as computers, mobile phones and tablets, now accessible to a large part of the population around the world, the digital transition in the public sector has become, in the space of just a few years, a global phenomenon. The digital transition (DT), as a set of changes induced or influenced by digital technology in human life, is now attracting the attention of governments, aware of the challenges and opportunities offered by the integration and adoption of digital technology within public organizations. Morocco, attracted by the opportunities for economic and social development, has put in place dozens of plans and strategies aimed at achieving the digital transition of its public administrations. Although the effort and will are indisputable, the results obtained and the challenges remain considerable and continue to slow down the pace of this transition.

The moderating role of auditor experience in the relationship between auditor motivation and audit quality

Kwaku Ohemeng Tinyase, Evans O. N. D. Ocansey, Felix Oppong Asamoah — Wed, 25 Jun 2025 00:00:00 +0000

This study explores the relationship between auditor motivation and audit quality, while also assessing the moderating influence of auditor experience in Ghana’s auditing sector. It aims to offer empirical confirmation through the application of self-determination theory (SDT) as the foundational theoretical framework. A quantitative research methodology was used, incorporating a cross-sectional survey design. Data were gathered from 350 auditors representing diverse types and organisations through standardised online surveys. The data were examined using partial least squares structural equation modelling (PLS-SEM) in SmartPLS4, assessing both direct and moderating effects. The findings indicate that auditor motivation significantly enhances audit quality (β = 0.780, t = 15.290, p < .001). Furthermore, auditor experience was identified as a significant moderator of this relationship (β = 0.105, t = 3.214, p < .001). The findings indicate that motivation enhances audit outcomes, especially when bolstered by experience, as predicted by Self-determination theory (SDT). This study significantly contributes to the literature by amalgamating motivation and experience into a singular predictive model of audit quality, thereby addressing a theoretical need in the current audit literature. It provides pragmatic insights for audit companies and regulators in lower-middle-income economies, such as Ghana, highlighting the integral significance of motivation and experience enhancement in achieving audit excellence.

Exploring the granger causal relationship between GDP growth and the ecological footprint: Evidence from Bangladesh

Tonmoy Chowdhury, Ratan Chowdhury, Ruhul Kuddus Chowdhury — Thu, 26 Jun 2025 00:00:00 +0000

This study investigates the relationship between economic growth and environmental sustainability in Bangladesh, focusing on the Granger causal dynamics between GDP growth and the ecological footprint using Vector Error Correction Models (VECM). The findings reveal that while short-term changes in the ecological footprint are largely influenced by its own past values, GDP growth, industrial output, and energy consumption exhibit limited immediate effects. In the long term, a significant negative relationship between GDP growth and the ecological footprint suggests that sustainable practices and technological advancements can mitigate environmental degradation. The absence of Granger causality between GDP growth and the ecological footprint highlights the complexity of their interaction, potentially mediated by policy and global market dynamics. The study underscores the importance of strengthening environmental governance, adopting renewable energy, and fostering international cooperation to achieve sustainable economic growth, providing evidence-based insights for policymaking in a rapidly developing economy.