查詢本校圖書館目錄 查詢臺灣博碩士論文知識加值系統 勘誤回報 |
元宇宙為一後現實世界,透過多使用者環境,整合現實與虛擬環境之新型資訊科技。元宇宙技術於2021年由臉書推出後,大型銀行爭相投入資源,發展跨境支付、外匯交易、虛擬貨幣交易等元宇宙金融服務,並整合於現有服務系統,強化與消費者之互動,創造價值。銀行服務於金融體系中至為重要,唯學界與業界對於元宇宙銀行服務的研究甚少。為跨越研究缺口,本研究擬發展基於多準則決策之情境分析,推衍消費者使用元宇宙銀行服務之意圖,與銀行服務發展策略。
為了探討元宇宙銀行技術之發展情境與影響消費者使用元宇宙銀行之關鍵要素與彼此間之影響關係,本研究導入整合環境分析架構(Political、Economic、Social、Technological、Environmental、Legal,PESTEL),發展未來十年元宇宙技術之發展情境,並導入整合科技接受模型(Unified Theory of Acceptance and Use of Technology,UTAUT)以及感知風險理論(Perceived Risk Theory)之分析架構,推衍各可能情境下,影響消費者使用元宇宙銀行服務意願之關鍵要素。
本研究以PESTEL六個構面為驅動力量,由專家以修正式德菲法 (Modified Delphi Method)確認所導入構面與準則適合性,以基於決策實驗室分析法之網路流程法(DEMATEL-based Analytic Network Process,DANP)定義PESTEL構面與準則間的影響關係與權重,以折衷排序法(VIseKriterijumska Optimizacija I Kompromisno Resenje,VIKOR)選擇最重要的情境軸,以最重要情境軸組成八種情境,並且以VIKOR選擇之。最後,以整合科技接受模型(Unified Theory of Acceptance and Use of Technology,UTAUT)以及感知風險理論(Perceived Risk Theory,PRT)之分析架構為基礎,以DANP法推衍各可能情境下,影響消費者使用元宇宙銀行服務意願之關鍵要素及對應之最適行銷策略。
依據研究結果,在「經濟發展好、科技進步、且法律完善」之情境下,服務定位為影響消費者使用元宇宙銀行之主要因素,建構金融生態圈為銀行主要發展策略;在「經濟發展好、科技進步但法律不完善」之情境下,機會創造為影響消費者使用之主要因素,數位人才培育為銀行主要發展策略;在「經濟發展差、科技進步且法律完善」之情境下,機會創造為影響消費者使用元宇宙銀行之主要因素,而建構金融生態圈為銀行主要發展策略;最後,在「經濟發展好且法律完善,但科技進步不如預期」之情境下,最適化服務為影響消費者使用之主要因素,留住現有客戶為銀行主要發展策略。本研究架構可作為政府機關、研究機構與公司預測未來發展情境、與消費接受新型服務之用,研究結果亦可作為銀行訂定元宇宙服務策略之用。
The Metaverse represents a post-reality world, a merger of physical and virtual realms through advanced information technology facilitated by multi-user environments. Post its introduction by Facebook in 2021, major banks eagerly invested resources to pioneer metaverse financial services. These services spanned cross-border payments, foreign exchange, and virtual currency transactions, integrating them into their existing systems. The goal was to enhance user engagement and generate value. While banking remains pivotal in the financial system, little research has been directed towards banking services within the metaverse. To bridge this research gap, this study aims to analyze consumer intentions towards utilizing metaverse banking services based on multi-criteria decision-making scenarios and strategize their banking service developments.
This research primarily focuses on exploring the developmental scenarios of metaverse banking technology and the critical factors influencing consumers' adoption of these services, along with their interrelations. To achieve this goal, this study adopted an integrated environmental analysis framework (Political, Economic, Social, Technological, Environmental, Legal, PESTEL) to predict the potential trajectory of metaverse tech in the upcoming decade. Furthermore, this study incorporated the Unified Theory of Acceptance and Use of Technology (UTAUT) and Perceived Risk Theory (PST) frameworks to derive the crucial elements affecting the willingness of consumers to use metaverse banking services in various possible scenarios.
This research was driven by the six dimensions of PESTEL. Experts used the Modified Delphi Method to validate the adopted criteria's suitability. The DEMATEL-based Analytic Network Process (DANP) was employed to define the interrelationships and weightage between the PESTEL dimensions and their criteria. Using the VIKOR method, this study pinpointed the most crucial scenario axis, constructing eight different scenarios based on it. Ultimately, the foundation of this study analysis rested on the Unified Theory of Acceptance and Use of Technology and Perceived Risk Theory, utilizing DANP to extrapolate the essential elements impacting consumers' intentions across these scenarios, aligning them with optimal marketing strategies.
According to the findings, in a scenario marked by strong economic growth, technological advancements, and well-defined laws, the key determinant influencing consumers' adoption of metaverse banking was service positioning. Constructing a financial ecosystem emerged as the primary strategic initiative for banks. On the other hand, in an environment characterized by robust economic growth and technological progress but lacking comprehensive legislation, opportunity creation was identified as the dominant factor influencing usage. Here, the primary bank development strategy revolved around nurturing digital talent. For scenarios depicting poor economic growth yet technological progress and stringent laws, opportunity creation again stood out as the decisive factor, with building a financial ecosystem being the strategic focus. Lastly, in a scenario showcasing good economic growth and law framework but below-par technological advancements, service optimization influenced consumer behavior the most, with customer retention as the core bank development strategy. This research framework serves as a predictive tool for government agencies, research institutes, and companies foreseeing future development scenarios and consumer adoption of novel services. Moreover, the results offer a strategic blueprint for banks crafting their metaverse service roadmaps.
Achinas, S., Horjus, J., Achinas, V., & Euverink, G. J. W. (2019). A PESTLE analysis of biofuels energy industry in Europe. Sustainability, 11(21), 1-24.
Aghlmand, R., Gheibi, M., Takhtravan, A., & Kian, Z. (2022). Implementation of green marketing frameworks based on conceptual system designing by integration of PESTLE, classical Delphi and MCDM modeling. SN Business & Economics, 2(8), 1-33.
Ahmed, W., Hizam, S. M., & Sentosa, I. (2022). Digital dexterity: employee as consumer approach towards organizational success. Human Resource Development International, 25(5), 631-641.
Ajibade, P. (2018). Technology acceptance model limitations and criticisms: exploring the practical applications and use in technology-related studies, mixed-method, and qualitative researches. Library Philosophy and Practice, 1941, 1-14.
Aktaş, N. A. D. İ. D. E., & Demirel, N. E. S. L. İ. H. A. N. (2021). A hybrid framework for evaluating corporate sustainability using multi-criteria decision making. Environment, Development and Sustainability, 23(10), 15591-15618.
Al Hazza, M. H., Abdelwahed, A., Ali, M. Y., & Sidek, A. B. A. (2022). An integrated approach for supplier evaluation and selection using the Delphi method and Analytic Hierarchy Process (AHP): a new framework. International Journal of Technolog, 13(1), 16-25.
Alkhwaldi, A. F., Alharasis, E. E., Shehadeh, M., Abu-AlSondos, I. A., Oudat, M. S., & Bani Atta, A. A. (2022). Towards an understanding of FinTech users’ adoption: intention and e-loyalty post-COVID-19 from a developing country perspective. Sustainability, 14(19), 1-23.
Almaiah, M. A., Al-Rahmi, A. M., Alturise, F., Alrawad, M., Alkhalaf, S., Lutfi, A., ... & Awad, A. B. (2022). Factors influencing the adoption of internet banking: an integration of ISSM and UTAUT with price value and perceived risk. Frontiers in Psychology, 13, 1-19.
Andres, L. (2022). Decentraland now has a metaverse ATM. Retrieved from https://www.unitedgamers.gg/news/decentraland-now-has-a-metaverse-atm. Accessed date: 22 June, 2023.
Andrews, J. L., Foulkes, L., & Blakemore, S. J. (2020). Peer influence in adolescence: public-health implications for COVID-19. Trends in Cognitive Sciences, 24(8), 585-587.
Bafandegan Emroozi, V., & Fakoor, A. (2023). A new approach to human error assessment in financial service based on the modified CREAM and DANP. Journal of Industrial and Systems Engineering, 14(4), 95-120.
Ball, M. (2022). The Metaverse and How It Will Revolutionize Everything. New York, N.Y.: William Warder Norton & Company Ltd.
Barroso, M., & Laborda, J. (2022). Digital transformation and the emergence of the Fintech sector systematic literature review. Digital Business, 2(2), 1-18.
Baydaş, M., Elma, O. E., & Pamučar, D. (2022). Exploring the specific capacity of different multi criteria decision making approaches under uncertainty using data from financial markets. Expert Systems with Applications, 197, 1-13.
Belk, R., Humayun, M., & Brouard, M. (2022). Money, possessions, and ownership in the metaverse: NFTs, cryptocurrencies, web3 and wild markets. Journal of Business Research, 153, 198-205.
Bello, A., Schneider, J., & Di Pietro, R. (2023, May). LLD: A Low Latency Detection Solution to Thwart Cryptocurrency Pump & Dumps. Symposium conducted at the meeting of the 2023 IEEE International Conference on Blockchain and Cryptocurrency (ICBC), Dubai, United Arab Emirates.
Bhambra, R. K. (2022). Adoption of online banking in Goa amidst the pandemic. International Journal of Electronic Banking, 3(2), 163-175.
Bocken, N. M., & Geradts, T. H. (2020). Barriers and drivers to sustainable business model innovation: organization design and dynamic capabilities. Long Range Planning, 53(4), 1-23.
Brand, B. M., Rausch, T. M., & Brandel, J. (2022). The importance of sustainability dimension when purchasing online: comparing generation X and generation Z. Sustainability, 14(9), 1-28.
Broby, D. (2021). Financial technology and the future of banking. Financial Innovation, 7(1), 1-19.
Buana, I. M. W. (2023). Metaverse: threat or opportunity for our social world? In understanding metaverse on sociological context. Journal of Metaverse, 3(1), 28-33.
Calandra, C. (2022). Banking in the metaverse. Retrieved from https://www.wundermanthompson.com/insight/banking-in-the-metaverse/ Accessed date: 22 June, 2023.
Cao, L. (2022). Decentralized ai: edge intelligence and smart blockchain, metaverse, web3, and desci. IEEE Intelligent Systems, 37(3), 6-19.
Casañ, M. J., Alier, M., & Llorens, A. (2021). A collaborative learning activity to analyze the sustainability of an innovation using PESTLE. Sustainability, 13(16), 1-16.
Cavallo, A., Burgers, H., Ghezzi, A., & Van de Vrande, V. (2022). The evolving nature of open innovation governance: a study of a digital platform development in collaboration with a big science centre. Technovation, 116, 1-15.
Chainalysis (2022).The Chainalysis state of web3 report. Retrieved from https://go.chainalysis.com. Accessed date: 22 June, 2023.
Chaklader, B., Gupta, B. B., & Panigrahi, P. K. (2023). Analyzing the progress of FINTECH-companies and their integration with new technologies for innovation and entrepreneurship. Journal of Business Research, 161, 1-11.
Chauhan, S., Akhtar, A., & Gupta, A. (2022). Customer experience in digital banking: a review and future research directions. International Journal of Quality and Service Sciences, 14(2), 311-348.
Chen, X., Yan, D., & Chen, W. (2022). Can the digital economy promote FinTech development? Growth and Change, 53(1), 221-247.
Ciampi, F., Faraoni, M., Ballerini, J., & Meli, F. (2022). The co-evolutionary relationship between digitalization and organizational agility: ongoing debates, theoretical developments and future research perspectives. Technological Forecasting and Social Change, 102, 104-121.
Clement, J. (2023). Roblox corporation - statistics & facts. Retrieved from https://www.statista.com/topics/7594/roblox-corporation. Accessed date: 22 June, 2023.
Contreras, G. S., González, A. H., Fernández, M. I. S., Martínez, C. B., Cepa, J., & Escobar, Z. (2022). The importance of the application of the metaverse in education. Modern Applied Science, 16(3), 1-34.
Devaki, N., & Deivam, M. (2022). Emerging trends of ICT in teaching and learning. Models and Theories of Web 2.0 tools in Distance Education (pp. 68-76). New Delhi, India: Inasta publishing.
Diener, F., & Špaček, M. (2021). Digital transformation in banking: a managerial perspective on barriers to change. Sustainability, 13(4), 1-26.
Drumm, S., Bradley, C., & Moriarty, F. (2022). More of an art than a science? The development, design and mechanics of the Delphi technique. Research in Social and Administrative Pharmacy, 18(1), 2230-2236.
Dubey, V., Mokashi, A., Pradhan, R., Gupta, P., & Walimbe, R. (2022). Metaverse and banking industry – 2023 the year of metaverse adoption. Romanian Journal of Applied Sciences and Technology, 4(10), 62–73.
Ducrée, J. (2022). Satoshi Nakamoto and the origins of Bitcoin. Narratio in nomine, Datis et Numeris. arXiv preprint arXiv:2206.10257.
Dwivedi, Y. K., Hughes, L., Wang, Y., Alalwan, A. A., Ahn, S. J., Balakrishnan, J., ... & Wirtz, J. (2023). Metaverse marketing: how the metaverse will shape the future of consumer research and practice. Psychology & Marketing, 40(4), 750-776.
Dwivedi, Y. K., Rana, N. P., Jeyaraj, A., Clement, M., & Williams, M. D. (2019). Re-examining the unified theory of acceptance and use of technology (UTAUT): towards a revised theoretical model. Information Systems Frontiers, 21, 719-734.
Fang, F., Ventre, C., Basios, M., Kanthan, L., Martinez-Rego, D., Wu, F., & Li, L. (2022). Cryptocurrency trading: a comprehensive survey. Financial Innovation, 8(1), 1-59.
Farhadi Sharif Abad, M., & Doaei, M. (2022). Modeling investor tendencies with emphasis on psychological factors by fuzzy Delphi and DEMATEL methods. Advances in Finance and Investment, 2(5), 144-113.
Fuior, E., & Zavatki, T. (2022). Digital Economy and Economic Growth. Economy Transdisciplinarity Cognition, 25(2), 57-71.
Ghadge, A., Er Kara, M., Moradlou, H., & Goswami, M. (2020). The impact of Industry 4.0 implementation on supply chains. Journal of Manufacturing Technology Management, 31(4), 669-686.
Gilch, P. M., & Sieweke, J. (2021). Recruiting digital talent: the strategic role of recruitment in organisations’ digital transformation. German Journal of Human Resource Management, 35(1), 53-82.
Ginda, G. (2020, June). Good News for Dematel Users: The Original Potential of the Method Was Still Awaiting Full Exploitation. Symposium conducted at the meeting of the 11th International Scientific Conference “Business and Management. Vilnius, Lithuania.
Grover, V., Tseng, S. L., & Pu, W. (2022). A theoretical perspective on organizational culture and digitalization. Information & Management, 59(4), 1-13.
Gstrein, O. J., & Beaulieu, A. (2022). How to protect privacy in a datafied society? A presentation of multiple legal and conceptual approaches. Philosophy & Technology, 35(1), 3-10.
Guner, H., & Acarturk, C. (2020). The use and acceptance of ICT by senior citizens: a comparison of technology acceptance model (TAM) for elderly and young adults. Universal Access in the Information Society, 19, 311-330.
Hadi, R., Melumad, S., & Park, E. S. (2023). The metaverse: a new digital frontier for consumer behavior. Journal of Consumer Psychology, 6(1), 1-25.
Hensen, J., & Kötting, B. (2022). From open banking to embedded finance: the essential factors for a successful digital transformation. Journal of Digital Banking, 6(4), 308-318.
Hirschhorn, F. (2019). Reflections on the application of the Delphi method: lessons from a case in public transport research. International Journal of Social Research Methodology, 22(3), 309-322.
Hollensen, S., Kotler, P. and Opresnik, M.O. (2023). Metaverse – the new marketing universe. Journal of Business Strategy, 44(3), 119-125.
Hsieh, Yi-Yueh (2019). Exploring the Factors Affecting the Acceptance and Diffusion of Blockchain Technology by Technology Acceptance Model and Innovation Diffusion Theory (Master's thesis). Retrieved from https://etds.lib.ntnu.edu.tw/thesis/detail/68676d6c6e06faaa4a097c7f0dc37782. Accessed date: 22 June, 2023.
Huang, C. Y., Shyu, J. Z., & Tzeng, G. H. (2007). Reconfiguring the innovation policy portfolios for Taiwan's SIP mall industry. Technovation, 27(12), 744-765.
Huljak, I., Martin, R., Moccero, D., & Pancaro, C. (2022). Do non-performing loans matter for bank lending and the business cycle in euro area countries?. Journal of Applied Economics, 25(1), 1050-1080.
Huy, D. T. N., Thach, N. N., Chuyen, B. M., Nhung, P. T. H., Tran, D. T., & Tran, T. A. (2021). Enhancing risk management culture for sustainable growth of Asia commercial bank-ACB in Vietnam under mixed effects of macro factors. Entrepreneurship and Sustainability Issues, 8(3), 291-307.
Iwashita, N. (2022). Why fintech was not changing Japanese banking. Asian Economic Policy Review, 17(2), 297-310.
Jain, N. K., Bhaskar, K., & Jain, S. (2022). What drives adoption intention of electric vehicles in India? An integrated UTAUT model with environmental concerns, perceived risk and government support. Research in Transportation Business & Management, 42, 1-11.
Jebarajakirthy, C., & Shankar, A. (2021). Impact of online convenience on mobile banking adoption intention: a moderated mediation approach. Journal of Retailing and Consumer Services, 58, 1-12.
Jordans, I. P. M., Verberkt, C., De Leeuw, R. A., Bilardo, C. M., Van Den Bosch, T., Bourne, T., ... & Huirne, J. A. F. (2022). Definition and sonographic reporting system for cesarean scar pregnancy in early gestation: modified Delphi method. Ultrasound in Obstetrics & Gynecology, 59(4), 437-449.
Kaimara, P., Oikonomou, A., & Deliyannis, I. (2022). Could virtual reality applications pose real risks to children and adolescents? A systematic review of ethical issues and concerns. Virtual Reality, 26(2), 697-735.
Kang, Y. U. A. N., & Duoqi, X. U. (2020). Legal governance on fintech risks: effects and lessons from China. Asian Journal of Law and Society, 7(2), 275-304.
Karagür, Z., Becker, J. M., Klein, K., & Edeling, A. (2022). How, why, and when disclosure type matters for influencer marketing. International Journal of Research in Marketing, 39(2), 313-335.
Kaur, N., Saha, S., Agarwal, V., & Gulati, S. (2023, February). Metaverse and Fintech: Pathway for Innovation and Development. Symposium conducted at the meeting of the 2023 3rd International Conference on Innovative Practices in Technology and Management, Uttar Pradesh, India.
Khan, M. J., Kumam, P., & Kumam, W. (2021). Theoretical justifications for the empirically successful VIKOR approach to multi-criteria decision making. Soft Computing, 25(12), 7761-7767.
Kim, J. (2021). Advertising in the metaverse: research agenda. Journal of Interactive Advertising, 21(3), 141-144.
Koohang, A., Nord, J. H., Ooi, K. B., Tan, G. W. H., Al-Emran, M., Aw, E. C. X., ... & Wong, L. W. (2023). Shaping the metaverse into reality: a holistic multidisciplinary understanding of opportunities, challenges, and avenues for future investigation. Journal of Computer Information Systems, 63(3), 735-765.
Kowalewski, O., & Pisany, P. (2023). The rise of fintech: a cross-country perspective. Technovation, 122, 1-43.
Kshetri, N. (2022). Metaverse and developing economies. IT Professional, 24(4), 66-69.
Lallie, H. S., Shepherd, L. A., Nurse, J. R., Erola, A., Epiphaniou, G., Maple, C., & Bellekens, X. (2021). Cyber security in the age of COVID-19: a timeline and analysis of cyber-crime and cyber-attacks during the pandemic. Computers & Security, 105, 1-20.
Lee, J., & Kwon, K. H. (2022). Novel pathway regarding good cosmetics brands by NFT in the metaverse world. Journal of Cosmetic Dermatology, 21(12), 6584-6593.
Lee, L., Braud, T., Zhou, P., Wang, L., Xu, D., Lin, Z., Kumar, A., Bermejo, C., Hui, P. (2021). All one needs to know about metaverse:a complete survey on technological singularity, virtual ecosystem, and research agenda. Journal of Latex Class Files, 14(8), 44-47.
Lee, U. K., & Kim, H. (2022). UTAUT in metaverse: an “Ifland” case. Journal of Theoretical and Applied Electronic Commerce Research, 17(2), 613-635.
Li, H., Ren, Z., Fan, M., Li, W., Xu, Y., Jiang, Y., & Xia, W. (2022). A review of scenario analysis methods in planning and operation of modern power systems: methodologies, applications, and challenges. Electric Power Systems Research, 205, 1-20.
Liao, G.Y., & John C. (2022). Stablecoins: growth potential and impact on banking, International Finance Discussion Papers 1334. Washington: Board of Governors of the Federal Reserve System, https://doi.org/10.17016/IFDP.2022.1334.
Lin, M., Chen, Z., Xu, Z., Gou, X., & Herrera, F. (2021). Score function based on concentration degree for probabilistic linguistic term sets: an application to TOPSIS and VIKOR. Information Sciences, 551, 270-290.
Liu, Z., Xiang, Y., Shi, J., Gao, P., Wang, H., Xiao, X., & Hu, Y. C. (2021). Make web3.0 connected. IEEE Transactions on Dependable and Secure Computing, 19(5), 2965-2981.
Lumeng, L. I. U., & Jianguo, W. U. (2022). Scenario analysis in urban ecosystem services research: progress, prospects, and implications for urban planning and management. Landscape and Urban Planning, 224, 1-12.
Mantrala, M. K., & Albers, S. (2022). In handbook of business-to-business marketing. The Impact of the Internet on B2B Sales Force Size and Structure (pp. 493-514). Cheltenham, United Kingdom: Edward Elgar Publishing.
McGee, J., Edmiston, D., Haward, M., McGee, J., Edmiston, D., & Haward, M. (2022). Scenario analysis and the limits of prediction. The Future of Antarctica: Scenarios from Classical Geopolitics (pp. 31-49). Berlin, Germany: Springer.
Mertzanis, C. (2023). FinTech finance and social-environmental performance around the world. Finance Research Letters, 56, 1-14.
Momtaz, P. P. (2022). Some very simple economics of web3 and the metaverse. FinTech, 1(3), 225-234.
Monaco, S., & Sacchi, G. (2023). Travelling the metaverse: potential Benefits and main challenges for tourism sectors and research applications. Sustainability, 15(4), 1-10.
Morris, I. (2023). Roblox revenue and DAU up by 22%. Retrieved from https://www.pocketgamer.biz/news/81491/roblox-revenue-and-dau-up-by-22. Accessed date: 22 June, 2023.
Moy, C., & Gadgil, A. (2022). Opportunities in the metaverse. Retrieved from https://www.jpmorgan.com/content/dam/jpm/treasuryservices/documents/opportunities-in-the-metaverse.pdf. Accessed date: 22 June, 2023.
Murray, A., Kim, D., & Combs, J. (2023). The promise of a decentralized internet: what was web3 and how can firms prepare? Business Horizons, 66(2), 191-202.
Musamih, A., Dirir, A., Yaqoob, I., Salah, K., Jayaraman, R., & Puthal, D. (2022, November). NFTs in Smart Cities: Vision, Applications, and Challenges. Symposium conducted at the meeting of the 2022 International Arab Conference on Information Technology, Abu Dhabi, United Arab Emirates.
Musamih, A., Yaqoob, I., Salah, K., Jayaraman, R., Al-Hammadi, Y., Omar, M., & Ellahham, S. (2022). Metaverse in healthcare: applications, challenges, and future directions. IEEE Consumer Electronics Magazine, 12(4), 33-46.
Mystakidis, S. (2022). Metaverse. Encyclopedia, 2(1), 486-497.
Naimi-Sadigh, A., Asgari, T., & Rabiei, M. (2021). Digital transformation in the value chain disruption of banking services. Journal of the Knowledge Economy, 13, 1212-1242.
Namahoot, K.S. & Jantasri, V. (2023), Integration of UTAUT model in Thailand cashless payment system adoption: the mediating role of perceived risk and trust. Journal of Science and Technology Policy Management, 14(4), 634-658.
Nandonde, F. A. (2019). A PESTLE analysis of international retailing in the East African community. Global Business and Organizational Excellence, 38(4), 54-61.
Narayan, S. W., & Sahminan, S. (2018). Has FinTech influenced Indonesia’s exchange rate and inflation?. Buletin Ekonomi Moneter Dan Perbankan, 21(2), 177-190.
Ng, E., Tan, B., Sun, Y., & Meng, T. (2023). The strategic options of fintech platforms: an overview and research agenda. Information Systems Journal, 33(2), 192-231.
Njoku, J. N., Nwakanma, C. I., Amaizu, G. C., & Kim, D. S. (2023). Prospects and challenges of metaverse application in data‐driven intelligent transportation systems. IET Intelligent Transport Systems, 17(1), 1-21.
Özkaynar, K. (2022). Marketing strategies of banks in the period of metaverse, block-chain, and cryptocurrency in the context of consumer behavior theories. International Journal of Insurance and Finance, 2(1), 1-12.
Phan, S. (2021). The effect of PESTLE factors on development of e-commerce. International Journal of Data and Network Science, 5(1), 37-42.
Popescu, A. D. (2020). Decentralized finance (defi)–the lego of finance. Social Sciences and Education Research Review, 7(1), 321-349.
Postma, T. J., & Liebl, F. (2005). How to improve scenario analysis as a strategic management tool?. Technological Forecasting and Social Change, 72(2), 161-173.
Qarnain, S. S., Muthuvel, S., & Bathrinath, S. (2021). Analyzing factors necessitating conservation of energy in residential buildings of Indian subcontinent: a DEMATEL approach. Materials Today, 45, 473-478.
Quach, S., Thaichon, P., Martin, K. D., Weaven, S., & Palmatier, R. W. (2022). Digital technologies: tensions in privacy and data. Journal of the Academy of Marketing Science, 50(6), 1299-1323.
Ren, D., Liu, L., Gong, X., Jiang, P., Liu, S., Yang, Y., & Jin, R. (2022). Effect evaluation of ecological compensation for strategic mineral resources exploitation based on VIKOR-AISM model. Sustainability, 14(23), 1-18.
Renduchintala, T., Alfauri, H., Yang, Z., Pietro, R. D., & Jain, R. (2022). A survey of blockchain applications in the FinTech sector. Journal of Open Innovation: Technology, Market, and Complexity, 8(4), 1-43.
Rhanoui, S. (2023). Enhancing financial inclusion using Fintech: development scenario for the bank card. International Business Research, 16(5), 1-38.
Rodrigues, A. R. D., Ferreira, F. A., Teixeira, F. J., & Zopounidis, C. (2022). Artificial intelligence, digital transformation and cybersecurity in the banking sector: a multi-stakeholder cognition-driven framework. Research in International Business and Finance, 60, 1-15.
Roh, T., Park, B. I., & Xiao, S. S. (2023). Adoption of AI-enabled Robo-advisors in Fintech: simultaneous employment of UTAUT and the theory of reasoned action. Journal of Electronic Commerce Research, 24(1), 29-47.
Sahoo, D., & Ray, S. (2023). Metaverse in banking: an initiative for banking transformation from emerging country prospective. Academy of Marketing Studies Journal, 27(S4), 1-15.
Sanya, S., & Saumya, S. (2022). A Critical Investigation in Measuring the Impact of the Metaverse in Revolutionising the Future of Financial Services. (IGI Global Report 1-8). Retrieved from https://www.igi-global.com/chapter/a-critical-investigation-in-measuring-the-impact-of-the-metaverse-in-revolutionising-the-future-of-financial-services/309299. Accessed date: 22 June, 2023.
Selim, M. (2021). The effects of eliminating Riba in foreign currency transactions by introducing global FinTech network. International Journal of Islamic and Middle Eastern Finance and Management, 14(3), 506-523.
Senyo, P. K., Karanasios, S., Gozman, D., & Baba, M. (2022). FinTech ecosystem practices shaping financial inclusion: the case of mobile money in Ghana. European Journal of Information Systems, 31(1), 112-127.
Setiawan, K. D., & Anthony, A. (2022, August). The Essential Factor of Metaverse for Business Based on 7 Layers of Metaverse–systematic Literature Review. Symposium conducted at the meeting of the 2022 International Conference on Information Management and Technology (ICIMTech), Semarang, Indonesia.
Shams, M. Y., Elzeki, O. M., & Marie, H. S. (2023). Towards 3D virtual dressing room based user-friendly metaverse strategy. In The Future of Metaverse in the Virtual Era and Physical World, 123, 27-42.
Shao, Q. G., Liou, J. J., Weng, S. S., & Chuang, Y. C. (2018). Improving the green building evaluation system in China based on the DANP method. Sustainability, 10(4), 1-20.
Sharma, S. (2022). Enablers to financial literacy: a DEMATEL approach. Procedia Computer Science, 214, 520-527.
Shevlin (2022). JPMorgan opens a bank branch in the metaverse. Retrieved from https://www.forbes.com/sites/ronshevlin/2022/02/16/jpmorgan-opens-a-bank-branch-in-the-metaverse-but-its-not-for-what-you-think-its-for/?sh=2b239392158d. Accessed date: 6 May, 2023.
Sotoudeh-Anvari, A. (2022). The applications of MCDM methods in COVID-19 pandemic: a state of the art review. Applied Soft Computing, 126, 1-40.
Spears, R. (2021). Social influence and group identity. Annual Review of Psychology, 72, 367-390.
Stalmachova, K., Chinoracky, R., & Strenitzerova, M. (2022). Changes in business models caused by digital transformation and the COVID-19 pandemic and possibilities of their measurement—case study. Sustainability, 14(1), 1-27.
Stephenson, N. (1992). Snow Crash. New York, N.Y.: Bantam Books.
Sterling, S., Plonsky, L., Larsson, T., Kytö, M., & Yaw, K. (2023). Introducing and illustrating the Delphi method for applied linguistics research. Research Methods in Applied Linguistics, 2(1), 1-24.
Stokel-Walker, C. (2022). Welcome to the metaverse. New Scientist, 253(3368), 39-43.
Sung, M. S., Shih, S. G., & Perng, Y. H. (2022). Multi-criteria evaluation of site selection for smart community demonstration projects. Smart Cities, 5(1), 22-33.
Suryono, R. R., Budi, I., & Purwandari, B. (2020). Challenges and trends of financial technology (Fintech): a systematic literature review. Information, 11(12), 590-602.
Tsai, Wen-Cheng (2022). Hybrid MCDM Methods Based Derivations of Scenarios and Factors Influencing Consumer Adoption of Car Payment Service (Master's thesis). Retrieved from https://etds.lib.ntnu.edu.tw/thesis/detail/b5da5db1d64976cbeff8afaab5fe3be7. Accessed date: 22 June, 2023.
Van Nguyen, A. T., McClelland, R., & Thuan, N. H. (2022). Exploring customer experience during channel switching in omnichannel retailing context: a qualitative assessment. Journal of Retailing and Consumer Services, 64, 1-18.
Vardhan Singh Rawat, H., Bisht, D., Kumar, S., & Dangi, S. (2022). Rise of blockchain-based non-fungible tokens (NFTs): overview, trends, and future prospects. Machine Intelligence and Data Science Applications, 132, 1-10.
Venugopal, R., Veeramani, C., & Edalatpanah, S. A. (2022). Analysis of fuzzy DEMATEL approach for financial ratio performance evaluation of NASDAQ exchange. In Proceedings of International Conference on Data Science and Applications, 2, 637-648.
Wang, Q. J., Wang, H. J., & Chang, C. P. (2022). Environmental performance, green finance and green innovation: what's the long-run relationships among variables?. Energy Economics, 110, 1-12.
Wang, Y., Su, Z., Zhang, N., Xing, Rui., Liu, D., Luan, T.H., & Shen, X. (2022). A survey on metaverse: fundamentals, security, and privacy. IEEE Communications Surveys & Tutorials, 25(1), 319-352.
Wątorek, M., Drożdż, S., Kwapień, J., Minati, L., Oświęcimka, P., & Stanuszek, M. (2021). Multiscale characteristics of the emerging global cryptocurrency market. Physics Reports, 901, 1-82.
Xia, Y., Qiao, Z., & Xie, G. (2022). Corporate resilience to the COVID-19 pandemic: the role of digital finance. Pacific-Basin Finance Journal, 74, 1-21.
Xie, C., Xiao, X., & Hassan, D. K. (2020). Data mining and application of social e-commerce users based on big data of internet of things. Journal of Intelligent & Fuzzy Systems, 39(4), 5171-5181.
Yang, Q., Zhao, Y., Huang, H., Xiong, Z., Kang, J., Zheng, Z. (2022). Fusing blockchain and AI with metaverse: a survey. IEEE Open Journal of the Computer Society, 3, 124-125.
Ye, Q., Gao, Y., Zhang, Z., Chen, Y., Li, Y., Gao, M., ... & Chen, Y. (2022, July). Modeling Access Environment and Behavior Sequence for Financial Identity Theft Detection in E-Commerce Services. Symposium conducted at the meeting of the 2022 International Joint Conference on Neural Networks (IJCNN), Padua, Italy.
Yemenici, A. D. (2022). Entrepreneurship in the world of metaverse: virtual or real?. Journal of Metaverse, 2(2), 71-82.
Yuan, Y., Yang, Y. (2022). Embracing the metaverse: mechanism and logic of a new digital economy. Metaverse 2022, 3(2), 4-6.
Zahedi, J., Salehi, M., & Moradi, M. (2023). Identifying and classifying the financial resilience measurement indices using intuitive fuzzy DEMATEL. Benchmarking, 30(4), 1300-1321.
Zainurin, M. Z. L., Haji Masri, M., Besar, M. H. A., & Anshari, M. (2023). Towards an understanding of metaverse banking: a conceptual paper. Journal of Financial Reporting and Accounting, 21(1), 178-190.
Zeebaree, M., Agoyi, M., & Aqel, M. (2022). Sustainable adoption of E-government from the UTAUT perspective. Sustainability, 14(9), 1-24.
Zhang, M. C., Zhu, B. W., Huang, C. M., & Tzeng, G. H. (2021). Systematic evaluation model for developing sustainable world-class universities: an East Asian perspective. Mathematics, 9(8), 1-20.
Zhang, X., & Yu, X. (2020). The impact of perceived risk on consumers’ cross-platform buying behavior. Frontiers in Psychology, 11, 1-13.
Zhao, S. (2022). Crypto impact in Africa based on PESTEL model. Frontiers in Economics and Management, 3(9), 185-191.
Zhu, M., Zhou, W., Hu, M., Du, J., & Yuan, T. (2023). Evaluating the renewal degree for expressway regeneration projects based on a model integrating the fuzzy Delphi method, the fuzzy AHP method, and the TOPSIS method. Sustainability, 15(4), 1-27.
Zourani, E., Sotudeh, R., & Piri, H. (2023). Identification and ranking of factors affecting the transparency of health insurance financial reports. Razi Journal of Medical Sciences, 29(12), 375-385.
Zubair, A., Baharun, R., Kiran, F., & Abro, M. A. (2022). Understanding the Airbnb user continuation intention: the moderating role of perceived risk. Frontiers in Psychology, 13, 1-15.