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With technology rapidly evolving, society is embracing digital wallets, enabling electronic money transfers across various platforms. Despite growing literature on digital wallets, there's a research gap in understanding users' intentions, particularly in developing countries like Mongolia. This study aims to explore factors influencing digital wallet adoption in Mongolia, drawing from behavioral finance principles. Using the Technology Readiness Index and the Technology Acceptance Model, data was collected from 390 users in Mongolia. Findings from Partial Least Squares Structural Equation Modeling reveal that optimism and innovativeness positively impact the intention to use digital wallet, while discomfort and insecurity have a negative effect.
Abstract: This study investigates the relationship of financial development on CO2 emissions and the economic growth in selected Asian Economies. The nexus of financial development and economic growth has been study extensively in recent decade. Based on existing literature, a well-developed financial sector promotes savings and directs investment in innovations and R&D. Recently, a significant amount of research has been conducted to examine the determinants of CO2 emissions and its impact on economic growth. Many factors affect the CO2 emissions among which we can name an economic growth. Countries with high economic growth rates experience a greater energy consumption and produce greater levels of emissions. Therefore, this issue is very important for many Asian economies as they often rely on fossil-fuel based energy production. Additionally, the rapid urbanization is another contributing factor to greater levels of emissions, especially for developing countries. On the contrary, technological growth and innovation helps to reduce reliance on fossil fuels and provide environmentally clean energy solutions. However, technological innovations could increase with increased CO2 emissions, which creates additional demand for energy such as fossil-fuel based sources. This relationship between economic development and environmental quality is known as the Environmental Kuznets Curve (EKC) and can be analyzed based on EKC hypothesis. The EKC hypothesis foresees that as a county’s GDP per capita increase leads to an environmental degradation initially and then after a certain turning point of the GDP per capita level, the environment begins to improve. We conduct a dynamic panel threshold approach to examine the link between financial development and environment. Our preliminary findings indicate that innovation positively effects the reduction in CO2 emissions at or below a certain threshold level of financial development and has an opposite effect if the financial development indicator exceeds the threshold level.
Энэхүү судалгаагаар их сургуулийн бакалаврын түвшний оюутнуудын ухаалаг гар утасны хэрэглээнд нөлөөлөх хүчин зүйлсийг зан төлөвийн санхүүгийн Технологийг хүлээн зөвшөөрөх, ашиглах нэгдсэн онолоор үнэлэхийг зорилоо. Тус судалгаанд ухаалаг гар утастай 387 оюутан хамрагдаж, судалгааг онлайнаар бөглөсөн бөгөөд судалгааны өгөгдлийг Partial Least Squares Structural Equation Modeling (PLS-SEM) загвараар SmartPLS 4.0 программ ашиглан үр дүнг боловсруулав. Судалгаанд ашигласан онолын загварын хүрээнд хэрэглэгчдэд бий болгох үнэ цэнэ (performance expectancy), хэрэглэгчдийн гар утас ашиглахтай холбоотой хүчин чармайлтын хүлээлт (effort expectancy), нийгмийн нөлөө (social influence), хөнгөвчлөх нөхцөл (facilitating condition), үнийн хүчин зүйл (price value), гар утсыг ашигласнаас үүсэх таатай мэдрэмж (hedonic motivation), зуршил (habit) гэсэн хувьсагчдыг сонгон авсан. Судалгааны үр дүнд хөнгөвчлөх нөхцөл, зуршил, хүчин чармайлтын хүлээлт гэсэн үзүүлэлтүүд эерэг, статистикийн хувьд ач холбогдолтой гарсан бол хэрэглэгчдэд бий болгох үнэ цэнэ, нийгмийн нөлөө, үнийн хүчин зүйл, таатай мэдрэмж зэрэг хувьсагчид нь статистикийн хувьд ач холбогдолгүй гарсан.
Advanced technology accelerates online banking services by using smartphones meanwhile bank offers sophisticated platforms that include a virtual assistant authentication system based on artificial intelligence. Penetrating fintech into banking services that eliminates a transaction cost and boosts comprehensive financial services, and changing lifestyles and attitudes of customers. Mongolian commercial banks are striving to increase online banking services and to upgrade technology within the framework of financial inclusion and literacy of customers that ensuring the efficiency of the financial system. This paper seeks to identify and analyze impacts of customer value, satisfaction, trust in a service, and reputation of bank that affecting customers’ motivation to regularly use online banking services. The data were collected from customers of Y branch of X bank by using a random sampling method and the partial least squares approach was used to test the hypotheses. The result shows that customer communication, customer value, reputation affect to motivation of customer to use online banking.
The current paper aims to examine factors that influence the adoption of cashless payments in Ulaanbaatar, Mongolia. This study intended to analyze the effect of performance expectancy, facilitating condition, social influence, innovativeness, perceived technology security and hedonic motivation on the adoption of cashless payments. The proposed model has assimilated factors from the Unified Theory of Acceptance and Use of Technology (UTAUT2). Data was collected by conducting survey questionnaire completed by 2128 Mongolian users. The result shows that performance expectancy and facilitating condition have a significant influence on the adoption of cashless payments. Innovativeness and perceived technology security are positively related to the adoption of cashless payments.
This study aimed to determine the impact of financial literacy on financial behavior among teachers of secondary and high schools. Financial behavior in this study was explored as saving behavior, shopping behavior, short-term and high planning and long-term planning. Data were from collected from 3437 participants who were approached conveniently. Data were analysed using smart PLS. As a result, financial literacy had a significant positive impact on financial behavior in terms of saving behavior, short-term planning and long-term planning.
The current paper aims to examine factors that influence borrowers’ intention to borrow from Peer-to-Peer lending platform in Mongolia. This topic has been attracting researchers’ interest especially since 2008 when the 3rd round of fintech development starts over the developed countries. The most of those studies focus on investigating the factors that explain borrowers’ intention to borrow, and a few of them research this perspective from the investors’ side. It is hardly to find the study that explain intentions of parties to participate in a P2P lending platform in Mongolia. Our research tries to fill this gap by studying factors influencing borrowers’ intention in Mongolian fintech market. We have used the TAM model as a theoretical framework and have collected survey questionnaires from investors and borrowers from all fintech companies in Mongolia. The result shows that borrowers’ intention is mostly driven by initial trust and perceived risk. Other variables, perceived ease of use and perceived security, have no impact on borrowers’ decisions to participate in P2P platform.
The current paper aims to examine factors that influence cryptocurrency adoption in Mongolia. As cryptocurrency launched, many studies have covered cryptocurrency’s technological and economic side. Few studies investigated user adoption of cryptocurrency. This study tries to fill this gap and it is the very first study that is trying to investigate user adoption of cryptocurrency in Mongolia. In this study, technology readiness aspects – Optimism, Innovativeness, Discomfort, and Insecurity are used. We used Technology Acceptance Model (TAM) as a theoretical framework and have collected survey questionnaires from cryptocurrency users of cryptocurrency platforms in Mongolia. The result shows that optimism has a positive impact and discomfort has a negative impact on cryptocurrency adoption.
The current paper aims to examine factors that influence cryptocurrency adoption in Mongolia. As cryptocurrency launched, many studies have covered cryptocurrency’s technological and economic side. Few studies investigated user adoption of cryptocurrency. This study tries to fill this gap and it is the very first study that is trying to investigate user adoption of cryptocurrency in Mongolia. In this study, technology readiness aspects – Optimism, Innovativeness, Discomfort, and Insecurity are used. We used Technology Acceptance Model (TAM) as a theoretical framework and have collected survey questionnaires from cryptocurrency users of cryptocurrency platforms in Mongolia. The result shows that optimism has a positive impact and discomfort has a negative impact on cryptocurrency adoption.
The current paper aims to examine factors that influence borrowers’ intention to borrow from Peer-to-Peer lending platform in Mongolia. This topic has been attracting researchers’ interest especially since 2008 when the 3rd round of fintech development starts over the developed countries. The most of those studies focus on investigating the factors that explain borrowers’ intention to borrow, and a few of them research this perspective from the investors’ side. It is hardly to find the study that explain intentions of parties to participate in a P2P lending platform in Mongolia. Our research tries to fill this gap by studying factors influencing borrowers’ intention in Mongolian fintech market. We have used the TAM model as a theoretical framework and have collected survey questionnaires from investors and borrowers from all fintech companies in Mongolia. The result shows that borrowers’ intention is mostly driven by initial trust and perceived risk. Other variables, perceived ease of use and perceived security, have no impact on borrowers’ decisions to participate in P2P platform.
The current paper aims to examine factors that influence borrowers’ intention to borrow from Peer-to-Peer lending platform in Mongolia. This topic has been attracting researchers’ interest especially since 2008 when the 3rd round of fintech development starts over the developed countries. The most of those studies focus on investigating the factors that explain borrowers’ intention to borrow, and a few of them research this perspective from the investors’ side. It is hardly to find the study that explain intentions of parties to participate in a P2P lending platform in Mongolia. Our research tries to fill this gap by studying factors influencing borrowers’ intention in Mongolian fintech market. We have used the TAM model as a theoretical framework and have collected survey questionnaires from investors and borrowers from all fintech companies in Mongolia. The result shows that borrowers’ intention is mostly driven by initial trust and perceived risk. Other variables, perceived ease of use and perceived security, have no impact on borrowers’ decisions to participate in P2P platform.
