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Effect of financial innovation and stakeholders' satisfaction on investment decisions: Does internet security matter?

ABSTRACT: This research suggests a study model of determinants of investment decisions in the context of financial innovation. The paper considers the technology innovation dimension, which influences stakeholders' (customer and employee) satisfaction, bank performance, and investment decisions. This research aims to bridge the gap by analyzing the effect of the innovation component, financial innovation on investment decisions and considering the mediated link via stakeholders' satisfaction and the bank's performance as well as the moderating role of Internet security (IS) and utilizing data gathered from 575 banks' employees and customers in Congo. Employing Structural Equation Modelling to evaluate the hypotheses, the research obtains that: (1) financial innovation (FI) is negatively associated with investment decisions (ID), and positively related to employee satisfaction (ES), customer satisfaction (CS), and bank performance (BP). (2) BP, CS, ES, and IS are related significantly and positively to ID. (3) BP, CS, and employee satisfaction do mediate the relationship between FI and ID. (4) Internet security does not moderate the effect of FI on ID. The investigation emphasizes the role of financial innovation and Internet security in investment decision-making for the providers of financial innovation services. Certainly, it recommends that financial institutions should consider this as well as internet security in their investment decisions. This article contributes to financial literature and bank management by offering supporting theories and a framework that facilitates the identification of pertinent strategic resources and constructs.

SUBMITTER: Pea-Assounga JBB

PROVIDER: S-EPMC10966459 | biostudies-literature | 2024 Mar

REPOSITORIES: biostudies-literature

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Effect of financial innovation and stakeholders' satisfaction on investment decisions: Does internet security matter?

Pea-Assounga Jean Baptiste Bernard JBB Yao Hongxing H Mulindwa Bahizire Grace G Bambi Prince Dorian Rivel PDR Nima Ngapey Jonathan Dior JD

Heliyon 20240228 6

This research suggests a study model of determinants of investment decisions in the context of financial innovation. The paper considers the technology innovation dimension, which influences stakeholders' (customer and employee) satisfaction, bank performance, and investment decisions. This research aims to bridge the gap by analyzing the effect of the innovation component, financial innovation on investment decisions and considering the mediated link via stakeholders' satisfaction and the bank' ...[more]

PMID: 38545137

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Project description:BackgroundResponsible innovation in health (RIH) emphasizes the importance of developing technologies that are responsive to system-level challenges and support equitable and sustainable healthcare. To help decision-makers identify whether an innovation fulfills RIH requirements, we developed and validated an evidence-informed assessment tool comprised of 4 inclusion and exclusion criteria, 9 assessment attributes and a scoring system.MethodsWe conducted an inter-rater reliability assessment to establish the extent to which 2 raters agree when applying the RIH Tool to a diversified sample of health innovations (n=25). Following the Tool's 3-step process, sources of information were collected and cross-checked to ensure their clarity and relevance. Ratings were reported independently in a spreadsheet to generate the study's database. To measure inter-rater reliability, we used: a non-adjusted index (percent agreement), a chance-adjusted index (Gwet's AC) and the Pearson's correlation coefficient. Results of the Tool's application to the whole sample of innovations are summarized through descriptive statistics.ResultsOur findings show complete agreement for the screening criteria, "almost perfect" agreement for 7 assessment attributes, "substantial" agreement for 2 attributes and "almost perfect" agreement for the RIH overall score. A large portion of the sample obtained high scores for 6 attributes (health relevance, health inequalities, responsiveness, level and intensity of care and frugality) and low scores for 3 attributes (ethical, legal, and social issues [ELSIs], inclusiveness and eco-responsibility). At the rating step, 88% of the innovations had a sufficient number of attributes documented (≥ 7/9), but the assessment was based on sources of moderate to high quality (mean score ≥ 2 points) for 36% of the sample. While "Almost all RIH features" were present for 24% of the innovations (RIH mean score between 4.1-5.0 points), "Many RIH features" were present for 52% of the sample (3.1-4.0 points) and "Few RIH features" were present for 24% of the innovations (2.1-3.0 points).ConclusionBy confirming key aspects of the RIH Tool's reliability and applicability, our study brings its development to completion. It can be jointly put into action by innovation stakeholders who want to foster innovations with greater social, economic and environmental value.

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Effect of financial innovation and stakeholders' satisfaction on investment decisions: Does internet security matter?

Publications

Effect of financial innovation and stakeholders' satisfaction on investment decisions: Does internet security matter?

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