金融创新和利益相关者对投资决策的满意度的影响:互联网安全是否重要?
Jean Baptiste Bernard Pea-Assounga1, Hongxing Yao1, Grace Mulindwa Bahizire1
1School of Finance and Economics, Jiangsu University, Zhenjiang, 212013, PR China.
Heliyon
|March 28, 2024
概括
金融创新会对投资决策产生负面影响,但会提高人们的满意度和业绩. 虽然满意度和绩效调解了这一点,但互联网安全性并没有缓解这一影响. 金融机构必须考虑这些因素.
科学领域:
- 金融经济学 金融经济学
- 企业管理 企业管理
- 技术创新技术创新技术创新
背景情况:
- 金融创新对各种业务方面产生重大影响,包括利益相关者的满意度和银行业绩.
- 对于金融机构来说,了解金融创新的背景下投资决策的决定因素至关重要.
- 现有的研究还没有充分探讨利益相关者满意度和银行业绩的调解作用,也没有充分探讨互联网安全对金融创新对投资决策影响的缓解作用.
研究的目的:
- 开发和测试一个模型,研究由金融创新影响的投资决策的决定因素.
- 分析员工满意度,客户满意度和银行业绩对金融创新和投资决策之间的关系的影响.
- 调查互联网安全在金融创新和投资决策的背景下起的调节作用.
主要方法:
- 从刚果的575名银行员工和客户收集的数据.
- 结构方程建模 (SEM) 用于评估假设关系.
- 在拟议的研究模型中分析直接,调解和缓解效应.
主要成果:
- 金融创新 (FI) 与投资决策 (ID) 有负面关联,但与员工满意度 (ES),客户满意度 (CS) 和银行业绩 (BP) 有积极关联.
- 银行业绩 (BP),客户满意度 (CS),员工满意度 (ES) 和互联网安全 (IS) 都与投资决策 (ID) 有积极的关系.
- 银行业绩 (BP),客户满意度 (CS) 和员工满意度 (ES) 在很大程度上调解了金融创新 (FI) 和投资决策 (ID) 之间的关系. 互联网安全 (IS) 不会调节这种关系.
结论:
- 金融创新对投资决策的直接影响是负面的,但其对满意度和绩效的积极影响间接影响决策.
- 互联网安全在投资决策中起着重要作用,但不会减轻金融创新的影响.
- 金融机构应将金融创新和互联网安全方面的考虑战略性地纳入其投资决策过程,以获得更好的结果.
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