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Neuromanagement decision-making and cognitive algorithmic processes in the technological adoption of mobile commerce apps

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Andronie M., Lăzăroiu G., Ștefănescu R., Ionescu L., Cocoșatu M.
Oeconomia Copernicana
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2021
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vol. 12
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issue 4
1033-1062
EN
Research background: With growing evidence of consumer adoption of mobile shopping apps, there is a pivotal need for comprehending Internet-enabled consumer devices in mobile shopping behavior. Mobile shopping platform features and user technological readiness configure consumers' expectations and demands as regards mobile retailing adoption, leading to acceptance of mobile shopping apps and payment services. Purpose of the article: In this research, prior findings have been cumulated indicating that mobile social apps extend throughout consumer attitudes and behaviors by the widespread adoption of smartphones. We contribute to the literature by showing that cutting-edge technological developments associated with customer behavior in relation to mobile commerce apps have resulted in the rise of data-driven systems. Consumer behavioral intention and adoption intention in relation to mobile shopping apps/websites are developed on perceived risk and trust consequences. Methods: Throughout February and March 2021, a quantitative literature review of the Web of Science, Scopus, and ProQuest databases was carried out, with search terms comprising "mobile shopping app", "mobile commerce platform", "mobile payment service", "Internet-enabled consumer device", "consumer technological adoption", and "mobile shopping behavior". As research published between 2018 and 2021 was analyzed, only 330 sources met the suitability criteria. By removing questionable or indeterminate findings (insubstantial/inconsequent data), results unconfirmed by replication, too imprecise content, or having quite similar titles, 66, chiefly empirical, sources were selected. A systematic review of recently published literature was carried out on technological adoption of mobile commerce apps by employing Preferred Reporting Items for Systematic Reviews and Meta-analysis (PRISMA) guidelines. The Systematic Review Data Repository was used, a software program for the gathering, handling, and analysis of data for the systematic review. The quality of the academic articles was determined by harnessing the Mixed Method Appraisal Tool. Findings & value added: The consumer purchase decision-making process in mobile app-based marketing involves consumer engagement and willingness to adopt mobile commerce apps. Further advancements should clarify how technological-based consumer adoption of mobile shopping throughout social commerce can improve the payment for products and services.
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Artificial intelligence algorithms and cloud computing technologies in blockchain-based fintech management

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Lăzăroiu G., Bogdan M., Geamănu M., Hurloiu L., Luminița L., Ștefănescu R.
Oeconomia Copernicana
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2023
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vol. 14
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issue 3
707-730
EN
Research background: Fintech development shapes corporate investment efficiency and economic growth with innovative tools, and can decrease financing constraints of enterprises, enabling direct and indirect financing and furthering inter-bank competition. Crowdfunding- and blockchain-based fintech operations harness deep and maching learning algorithms, augmented and virtual reality technologies, and big data analytics in mobile payment transactions. Purpose of the article: We show that fintechs have reconfigured financial service delivery by harnessing AI-based data-driven algorithms and cloud and blockchain technologies. Fintech optimizes financial organization and services, economic structures and growth, data analysis, and digital banking performance.  Machine learning algorithms can streamline payment operation capabilities and process promptness, ensuring smooth operational flows, assessing risks, and detecting frauds and money laundering by historical data and customer behavior analysis across instant payment networks and infrastructures. Methods: Quality tools: AXIS, Eppi-Reviewer, PICO Portal, and SRDR. Search period: July 2023. Search terms: “fintech” + “artificial intelligence algorithms”, “cloud computing technologies”, and “blockchain technologies”. Selected sources: 40 out of 195. Published research inspected: 2023. Data visualization tools: Dimensions and VOSviewer. Reporting quality assessment tool: PRISMA. Findings & value added: Fintech development enables organizational innovation by mitigating information asymmetry and financing limitations while providing financial assistance and tax incentives in relation to products and services. The fintech growth has influenced the dynamic intermediary function of financial institutions in terms of sustainability and economic development. Fintech and natural resources negatively influence, while green innovations and financial development further, environmental sustainability.
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