This study examines the influence of mental accounting, financial attitudes, financial knowledge, and financial self-efficacy on the financial behavior of diligent students in using fintech. This study differs from previous research because it uses a sample of students who already have a business and often use fintech. Data collection was carried out through the distribution of questionnaires to respondents. This study found that financial attitudes and self-efficacy had a significant effect on financial behavior, while financial knowledge had no significant effect on financial self-efficacy and mental accounting. Mental accounting significantly affects financial attitudes, financial behavior, and financial self-efficacy. These findings prove the importance of mental accounting in increasing the confidence and effectiveness of students who often use fintech and have a business in making financial decisions. This research contributes to developing the theory of planned behavior in the context of financial behavior. It reveals that financial literacy does not necessarily increase financial self-efficacy and mental accounting, especially among students who often use fintech and are just starting a business.

The research paper investigates the relationship between financial technology (FinTech) adoption, financial satisfaction, and financial performance among consumers in Jordan. The study uses Partial Least Squares-Structural Equation Modeling (PLS-SEM) to analyze data collected from a sample of 500 SMEs in Jordan. The results of the study suggest that FinTech adoption positively affects financial performance, while financial satisfaction mediates the relationship between FinTech adoption and financial performance. The study also found that financial satisfaction has a significant impact on financial performance, suggesting that customers who are satisfied with their financial situation are more likely to achieve better financial performance. In conclusion, the study provides valuable insights into the role of financial satisfaction as a mediator in the relationship between FinTech adoption and financial performance, highlighting the importance of understanding the factors that influence customer satisfaction and the adoption of FinTech services in the financial industry. These findings have implications for financial service providers and policymakers in Jordan, as well as in other countries with similar economic and social conditions, where the adoption of FinTech is rapidly increasing.

Digital technologies and their rapid evolution have greatly impacted the financial sector, thus making digital transformation increasingly more important strategically paired with analytical capacities to foster FinTech based financial innovation. This study explores the associations between digital transformation capability, data analytics capability and FinTech adoption in financial institutions. In particular, the study investigates the impacts of digital transformation capability on data analytics capability, data analytics capability on FinTech adoption and examines the mediating role or effect of Data Analytics Capability in the influence between Digital Transformation Capability in relation to FinTech Adoption. It was a quantitative study with a cross-section survey design. A structured questionnaire was completed by employees and managers working in financial institutions and FinTech-related sectors. The study used Partial Least Squares Structural Equation Modeling (PLS-SEM) to analyze the proposed research model through Smart-PLS-4 software. The results show that digital transformation capability significantly and positively affects data analytics capability, and in turn, data analytics capability is a significant positive driver of FinTech Adoption. Additionally, the findings indicated that data analytics capability mediated the association between digital transformation capability and FinTech adoption. This study expands the literature on digital transformation and financial innovation by combining organizational digital capabilities with different perspectives of FinTech adoption in a single conceptual framework. The results also have some valuable implications for practitioners to facilitate greater digital competitiveness, harness better analytical approaches and make FinTech implementation strategies more effective.

Big data has become much more widely used in recent years, particularly in the banking sector. Banks have begun to use big data to enhance customer experience, optimize operations, and create novel products and services. This study investigates the effect of big data governance on financial technology in Jordanian commercial banks. The study focuses on the four dimensions of big data governance: strategy and planning, ethics and social responsibility, data quality and management, and infrastructure and architecture. Additionally, the study considers the mediating role of organizational culture in the relationship between big data governance and financial technology. Primary data were collected from 250 IT employees working in Jordanian commercial banks, and the data were analyzed using PLS-SEM. The study findings indicate that big data governance has a significant positive effect on financial technology in Jordanian commercial banks. Additionally, it has been discovered that organizational culture partially mediates the relationship between big data governance and financial technology, emphasizing the significance of creating a culture that encourages the efficient use of data in fintech. In the context of Jordanian commercial banks, this study presents empirical evidence for the connection between big data governance and financial technology. The results indicate that big data governance measures should be applied while taking organizational culture into account as a potential mediator of the effects on financial technology. This study offers guidance on how to successfully integrate big data governance policies in commercial banks to advance financial technology for bank managers and policymakers.

This study aims to provide an attempt by raising a framework for assessing the digital technology perspective in the application of Financial Technology by consumers, especially in the era of the Covid19 pandemic in 2020 in Indonesia. Digital technology in Fintech in collaboration with online transportation is utilized by quite a few big firms in Indonesia to meet the needs of consumers during strict, large-scale restrictions but not lockdown. This paper mainly acknowledged the problem related to digitizing solid digital technology which prioritizes technology 4.0. Digital technology applications, especially among the millennial generation regarding the accessibility, pace and value of financial services are increasingly in demand. This research spent 5.5 months with millennial respondents who are accustomed to using everyday technology applications in Jakarta, Depok and Tangerang and surrounding areas. The method of analyzing data in a quantitative way to find findings is complemented by discussion. The findings prove that; All variables have positive strong effect on driving the choice of digital FinTech technology in ordering food and others to survive during the pandemic of COVID-19. The existence of digital-based technology applications related to the internet, big data, smart mobile phones, safe and comfortable technology power has motivated consumers to use them. In conclusion, there are several new business opportunities open to newcomers in the digital financial sector and other accessories using information systems and information ecosystems.

This systematic review synthesizes 40 peer-reviewed studies to examine the role of inclusive finance and institutional governance in FinTech adoption in Pakistan's banking sector. While user-centric behavioural models are the dominant narrative in global discourse, this review highlights the underappreciated role of institutional trust, regulatory design, and structural inclusion in the scalability of FinTech ecosystems. The paper identifies four thematic clusters using PRISMA and TCCM frameworks, namely, user-level drivers, governance enablers, financial inclusion mechanisms, and integrated adoption frameworks. Findings suggest that inclusion should be reimagined not just as an objective but also as a prerequisite to digital finance, and quality of governance directly moderates trust and adoption behaviour. The study presents an original conceptual framework that links ecosystem-level conditions and adoption dynamics, highlighting the need for multi-level theoretical approaches that incorporate behavioural, institutional, and infrastructural dimensions. Implications are drawn for policymakers, FinTech innovators, and financial regulators who are looking for inclusive, trusted, and sustainable digital finance solutions in emerging markets.

The deployment of Large Language Models (LLMs) in the financial field is one of the most forward-looking and quickly changing AI research areas. This paper presents a thorough scientometric study of the top 200 most cited articles, which deal with the conjunction of LLMs, finance, and stock markets, and are indexed in Scopus. The analysis carries out a detailed examination of the publication patterns, influential authors and institutions, main research areas, methods used, and the intellectual framework of this new field. The disclose of the research output has been increased enormously; the main form of it is conference papers, and it is all through collaboration between the global academic and industrial research centers. Financial sentiment analysis and market prediction, the building and evaluating of domain-specific financial LLMs (FinLLMs), and lastly the application of the mentioned FinLLMs in areas such as financial analytics and decision-making support are examples of research that has been clustered together. Nevertheless, a big part of the research is directed towards trust, ethics, and risks in the financial domain. Moreover, the study points out that practical applications, such as algorithmic trading, risk management, and compliance with regulations, are among the most highlighted in the fields of LLMs in finance. This scientometric review offers a primary map of the vast conceptual territory marked by high-impact research, which means it can be very helpful to researchers, practitioners, and policymakers in getting a better understanding of the existing situation and thus, pointing out future research directions in the area of LLMs in finance.

The deployment of Large Language Models (LLMs) in the financial field is one of the most forward-looking and quickly changing AI research areas. This paper presents a thorough scientometric study of the top 200 most cited articles, which deal with the conjunction of LLMs, finance, and stock markets, and are indexed in Scopus. The analysis carries out a detailed examination of the publication patterns, influential authors and institutions, main research areas, methods used, and the intellectual framework of this new field. The disclose of the research output has been increased enormously; the main form of it is conference papers, and it is all through collaboration between the global academic and industrial research centers. Financial sentiment analysis and market prediction, the building and evaluating of domain-specific financial LLMs (FinLLMs), and lastly the application of the mentioned FinLLMs in areas such as financial analytics and decision-making support are examples of research that has been clustered together. Nevertheless, a big part of the research is directed towards trust, ethics, and risks in the financial domain. Moreover, the study points out that practical applications, such as algorithmic trading, risk management, and compliance with regulations, are among the most highlighted in the fields of LLMs in finance. This scientometric review offers a primary map of the vast conceptual territory marked by high-impact research, which means it can be very helpful to researchers, practitioners, and policymakers in getting a better understanding of the existing situation and thus, pointing out future research directions in the area of LLMs in finance.