Revisit: Examining e-Financial Services in the Digital Era


Special issue of International Journal of E-Business Research; Deadline 1 Mar 2018

Calls for Papers: International Journal of E-Business Research (IJEBR)
Special Issue On: Examining e-Financial Services in the Digital Era

Submission Due Date
Paper Submission: 1 March, 2018
Revision/Acceptance Notification: 15 May, 2018
Revised Manuscript Due: 1 July, 2018
Final Decision Notification: 10 August, 2018
Publication: As per EIC’s choice

Guest Editors
Dr. Aijaz A. Shaikh, University of Jyväskylä, Finland
Dr. Gin Chong, Prairie View A&M University, USA
Dr. Ephraim Okoro, Howard University, USA

Recent advances in computing and telecommunications technology have dramatically transformed the services landscape in regard to the operations of the financial industry (Kshetri, 2016). Against the backdrop of the increasing pervasiveness of e-financial services (defined as the provision of financial services using electronic communication and computation), it is widely envisaged by the scholars/researchers and the industry that any business transactions that do not involve the use of the Internet and mobile technology will not be included in financial records of the companies such as banks. As such, online or e-financial products and services have become a major topic for academics and practitioners, as well as for policy makers, decision makers, and financial counselors.

Earlier, Internet-based online or e-financial products and services were deployed and offered in the developed countries. Nonetheless, considering their ability to reach the consumer in real time, at his or her convenience, anytime, and anywhere, the financial institutions located in the emerging and developing countries started to develop innovative solutions to reach the consumers. Consequently, with the help of ATM networks and mobile financial applications, the financial institutions in these countries were able to offer retail e-financial services to a more heterogeneous and demographically disbursed population. These initiatives were primarily undertaken to better educate, target, and entice customers to adopt and use e-financial services, thereby increasing their financial inclusion.

Similarly, the issuance and promulgation of new regulations and guidelines have created immense challenges, as well as several commercial opportunities, for banking and nonbanking entities. New regulations, such as the Revised Payment Services Directive (PSD2), which is due to be published in early 2018, allow nonbanking actors, such as FinTech, greater choice regarding the provision of financial services to consumers. These developments have increased the need to examine e-financial services within the major financial sectors—namely, the banking, microfinance, and other financial services industries—from the consumer and industry perspectives. We, therefore, consider this special issue both timely and imperative.

The underlying purpose of this special issue is to contribute to the ongoing debate concerning e-financial services. It also aims to examine contemporary trends, as well as the factors affecting, and consequences of, the consumer decision-making process regarding the adoption and continuous use of e-financial services. In addition, this special issue delves into the changing regulatory environment and consumer behavior and attitude toward e-financial services, including mobile financial services and products.

Recommended Topics
In addition to empirical studies, this special issue is looking for literature reviews and conceptual papers offering contemporary and historical insights into e-financial services. The topics may include, but are not limited to, the following:

  • Service quality in online or e-financial services
  • Consumer adoption and usage of e-financial services
  • Resistance to or discontinuation of e-financial services
  • Audit trail of e-financial transactions and services
  • Impact of e-marketing on e-financial services
  • Regulatory developments, the implementation of PSD2, and other disruptions in the e-financial services landscape
  • Industry and managerial perspectives on e-financial services
  • Electronics and digital banking
  • Mobile banking and mobile payment systems
  • Mobile money and branchless banking in Africa, Asia, and elsewhere

Recommended readings
Kshetri, N. (2016). Big data’s role in expanding access to financial services in China. International Journal of Information Management, 36(3), 297-308.

Ladhari, R., & Leclerc, A. (2013). Building loyalty with online financial services customers: is there a gender difference? Journal of Retailing and Consumer Services, 20(6), 560-569.

Laukkanen, T. (2006). Customer-perceived value of e-financial services: a means-end approach. International Journal of Electronic Finance, 1(1), 5-17.

Shaikh, A.A., and Karjaluoto, H. (2016). On Some Misconceptions Concerning Digital Banking And Alternative Delivery Channels, International Journal of E-Business Research, 12 (3), 1-16.

Submission Procedure
Researchers and practitioners are invited to submit papers for this special theme issue on Examining e-Financial Services in the Digital Era on or before 1 March, 2018. All submissions must be original and may not be under review by another publication.

Interested authors should consult the journal’s guidelines for manuscript submissions at All submitted papers will be reviewed on a double-blind, peer review basis.

All submissions and inquiries should be directed to the attention of:
Dr. Aijaz A. Shaikh
Guest Editor
International Journal of E-Business Research (IJEBR)

PLEASE NOTE: All submissions should be created using the link below: