Search for Articles:
Title / Keyword
Author / Affiliation / Email
Journal
Article Type
 
 
Advanced Search
 
Section
Special Issue
Volume
Issue
Number
Page
 
5.0
Journals
JRFM
Special Issues
Commercial Banking and FinTech in Emerging Economies, 2nd Edition
share announcement

Commercial Banking and FinTech in Emerging Economies, 2nd Edition

A special issue of Journal of Risk and Financial Management (ISSN 1911-8074). This special issue belongs to the section "Banking and Finance".

Deadline for manuscript submissions: 31 December 2026 | Viewed by 5113

Special Issue Editor

Dr. Katerina Fotova Čiković

E-Mail Website
Guest Editor
Department of Economy, University North, 48000 Koprivnica, Croatia
Interests: digital transformation; sustainability; innovation ecosystems; entrepreneurship; public policy
Special Issues, Collections and Topics in MDPI journals

Special Issue Information

Dear Colleagues,

Banks and financial intermediaries generally play a crucial role in emerging economies by facilitating efficient resource allocation, reducing financing costs, protecting savings, and mitigating the impact of random shocks on capital investment, thus successfully addressing market imperfections and information asymmetry.

The impact of blockchain technologies on banking in emerging economies has recently become more important and topical than ever. Emerging financial technologies (FinTech), blockchain technologies, and financial innovations are consistently improving the efficiency and accessibility of financial services and systems around the globe and are poised to significantly impact banking in emerging countries. These developments are transforming the global financial landscape, potentially diminishing the traditional intermediary role of banks but also presenting opportunities for emerging market banks to reach underbanked populations.

This Special Issue will feature original research papers on all banking roles in emerging countries, including the challenges brought about by blockchain technology and FinTech. Therefore, high-quality articles that introduce new theoretical and applicable notions in banking and blockchain technology (in both the developed and developing world), alongside related topics, are highly encouraged. Submitted articles should be written in non-technical language so that people outside related disciplines may understand them.

This is the second volume of the Special Issue "Commercial Banking and FinTech in Emerging Economies". The first volume has already been published, and we now invite further contributions to continue and expand this important conversation.

Dr. Katerina Fotova Čiković
Guest Editor

Manuscript Submission Information

Manuscripts should be submitted online at www.mdpi.com by registering and logging in to this website. Once you are registered, click here to go to the submission form. Manuscripts can be submitted until the deadline. All submissions that pass pre-check are peer-reviewed. Accepted papers will be published continuously in the journal (as soon as accepted) and will be listed together on the special issue website. Research articles, review articles as well as short communications are invited. For planned papers, a title and short abstract (about 250 words) can be sent to the Editorial Office for assessment.

Submitted manuscripts should not have been published previously, nor be under consideration for publication elsewhere (except conference proceedings papers). All manuscripts are thoroughly refereed through a single-blind peer-review process. A guide for authors and other relevant information for submission of manuscripts is available on the Instructions for Authors page. Journal of Risk and Financial Management is an international peer-reviewed open access monthly journal published by MDPI.

Please visit the Instructions for Authors page before submitting a manuscript. The Article Processing Charge (APC) for publication in this open access journal is 1600 CHF (Swiss Francs). Submitted papers should be well formatted and use good English. Authors may use MDPI's English editing service prior to publication or during author revisions.

Keywords

  • banking industry
  • blockchain technology
  • FinTech
  • financial innovations
  • financial markets in emerging economies
  • risk management
  • econometric models for performance assessment
  • mathematical models for efficiency evaluation
  • bitcoin
  • financial intermediaries

Benefits of Publishing in a Special Issue

  • Ease of navigation: Grouping papers by topic helps scholars navigate broad scope journals more efficiently.
  • Greater discoverability: Special Issues support the reach and impact of scientific research. Articles in Special Issues are more discoverable and cited more frequently.
  • Expansion of research network: Special Issues facilitate connections among authors, fostering scientific collaborations.
  • External promotion: Articles in Special Issues are often promoted through the journal's social media, increasing their visibility.
  • Reprint: MDPI Books provides the opportunity to republish successful Special Issues in book format, both online and in print.

Further information on MDPI's Special Issue policies can be found here.

Published Papers (3 papers)

Download All Papers
Order results
Result details
Show export options expand_more Show export options expand_less
Select all
Export citation of selected articles as:

Research

Jump to: Other

21 pages, 602 KB  
Article
The Impact of Mobile Wallet Adoption on Bank Profitability: Evidence from a Longitudinal Analysis (2021–2025)
by Jose Antonio Rojas Guillén, Wini Ebelin Quispe Bautista and Doris Matilde Palacios Rojas
J. Risk Financial Manag. 2026, 19(4), 259; https://doi.org/10.3390/jrfm19040259 - 2 Apr 2026
Viewed by 1027
Abstract
This study examines the impact of mobile wallet adoption on the profitability of a banking institution in Peru during the period 2021–2025, in a context of rapid digital transformation in financial services. The research adopted a quantitative, non-experimental, longitudinal, and explanatory design based [...] Read more.
This study examines the impact of mobile wallet adoption on the profitability of a banking institution in Peru during the period 2021–2025, in a context of rapid digital transformation in financial services. The research adopted a quantitative, non-experimental, longitudinal, and explanatory design based on a single-bank case study. Mobile wallet adoption was measured through a synthetic index (IAD) constructed from five indicators using principal component analysis, while profitability was assessed through return on assets (ROA), return on equity (ROE), and aggregate monetary profitability. The effect of the IAD on profitability was estimated using generalized estimation equations with HAC-type robust standard errors. The results show that mobile wallet adoption exerts a positive and statistically significant effect on all three profitability indicators, with the strongest effect on aggregate monetary profitability, followed by ROE and ROA. These findings contribute to the literature by providing longitudinal evidence from an underexplored emerging economy and by showing that the financial effects of digital adoption differ according to the profitability measure considered. Overall, the study highlights the relevance of mobile wallet adoption as a strategic digital factor in banking performance within emerging financial contexts. Full article
(This article belongs to the Special Issue Commercial Banking and FinTech in Emerging Economies, 2nd Edition)
►▼ Show Figures

Figure 1

21 pages, 369 KB  
Article
Leveraging Digital Banking to Enhance Financial Inclusion in Small Island Developing States: A Study of Fiji
by Shasnil Avinesh Chand
J. Risk Financial Manag. 2026, 19(2), 158; https://doi.org/10.3390/jrfm19020158 - 19 Feb 2026
Viewed by 1196
Abstract
This study empirically examines the relationship between digital banking and financial inclusion in Fiji, a small island developing state with geographically dispersed populations and limited access to traditional banking infrastructure. Using annual panel data from eight financial institutions—six commercial banks and two non-bank [...] Read more.
This study empirically examines the relationship between digital banking and financial inclusion in Fiji, a small island developing state with geographically dispersed populations and limited access to traditional banking infrastructure. Using annual panel data from eight financial institutions—six commercial banks and two non-bank financial institutions—covering 2012–2024, the analysis accounts for cross-sectional dependence, heteroskedasticity, and serial correlation through Driscoll–Kraay panel-corrected standard errors, while robustness checks using the generalized method of moments (GMM) address potential endogeneity concerns. The results indicate that digital banking is positively associated with higher levels of financial inclusion in Fiji. Both the baseline model, which includes only digital banking, and the extended model, which incorporates banking-sector and macroeconomic controls, show consistent associations. From a policy perspective, the findings provide empirical support for strengthening digital financial infrastructure and regulatory frameworks to promote inclusive finance in small island economies. Overall, the study contributes to the limited empirical literature on digital finance in such contexts and offers insights for policymakers and financial institutions seeking to expand financial inclusion. Full article
(This article belongs to the Special Issue Commercial Banking and FinTech in Emerging Economies, 2nd Edition)

Other

Jump to: Research

27 pages, 558 KB  
Systematic Review
Bridging Regulation and Innovation: A Systematic Review of Cryptocurrency Taxation and Fiscal Policy (2020–2025)
by Rosario Violeta Grijalva-Salazar, Jose Antonio Caicedo-Mendoza, Arturo Jaime Zúñiga-Castillo, Erikson Olivas-Valencia and Víctor Hugo Fernández-Bedoya
J. Risk Financial Manag. 2025, 18(12), 720; https://doi.org/10.3390/jrfm18120720 - 16 Dec 2025
Cited by 2 | Viewed by 2361
Abstract
Taxation on cryptocurrency is becoming critical in global fiscal governance as digital assets adapt to the modern reality of existing outside of traditional regulatory constructs. Theoretical and practical understanding of cryptocurrency taxation is quite new, and so a systematic review was designed to [...] Read more.
Taxation on cryptocurrency is becoming critical in global fiscal governance as digital assets adapt to the modern reality of existing outside of traditional regulatory constructs. Theoretical and practical understanding of cryptocurrency taxation is quite new, and so a systematic review was designed to present the most recent empirical research evidence on the legal, fiscal and behavioral aspects of cryptocurrency taxation from across the globe. Using the PRISMA-2020 guidelines, a structured search was applied to the Scopus database on 21 May 2025, with the search terms “crypto-currency”, “cryptoasset” and “taxation.” The inclusion criteria consisted of original research articles published between the years of 2020 and 2025 in English or Spanish, that could be accessed via institutional library support, and that were related to taxation, legal regulation and/or compliance. Out of the original identified 224 records, 36 met the eligibility criteria after screening and verification through seven different stages of review. Socially, five themes were produced by the findings: legal ambiguity surrounding fiscal treatment, limited tax literacy and compliance issues, macroeconomic and monetary issues, application of digital technologies for fiscal tracking, and environmental repercussions from crypto mining. Many countries do not have any coherent tax frameworks to govern the risk that emerges from cryptocurrency taxation, creating uncertainty for both regulators and investors. The findings outlined in this systematic review point to the urgent need for creating a coherent approach to cryptocurrency taxation based on definitions, digital approaches to traceability, and tax literacy compliance strategies. In order to create effective cryptocurrency taxation, there must be a base balance between ensuring innovation, fiscal responsibility, transparency, equity and sustainability in the developing digital economy. Full article
(This article belongs to the Special Issue Commercial Banking and FinTech in Emerging Economies, 2nd Edition)
►▼ Show Figures

Figure 1

Show export options expand_more Show export options expand_less
Select all
Export citation of selected articles as:
 
Displaying articles 1-3
Back to TopTop