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All Journal Journal of Islamic Monetary Economics and Finance Journal of Information Systems and Informatics
Banna, Hasanul
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Computer Science & IT Economics, Econometrics & Finance

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DIGITAL FINANCIAL INCLUSION AND BANK STABILITY IN A DUAL BANKING SYSTEM: DOES FINANCIAL LITERACY MATTER? Banna, Hasanul
Journal of Islamic Monetary Economics and Finance Vol 11 No 1 (2025)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v11i1.2650

Abstract

This study examines the relationship between digital financial inclusion (DFI), financial literacy, and stability of conventional and Islamic banks across 15 countries from 2011 to 2020. The findings show that DFI significantly enhances the stability of conventional banks, particularly through increased customer engagement with digital financial services, improving asset quality and reducing risks. In contrast, the relationship between DFI and stability of Islamic banks is either insignificant or negative, which may be attributed to Shariah compliance requirements, product mismatches, and competition from conventional banks and FinTech firms. Furthermore, while DFI boosts stability in conventional banks, it also exposes them to potential risks such as digital bank runs, as seen in the case of Silicon Valley Bank (SVB) in 2023. Additionally, high financial literacy positively interacts with DFI to boost the stability of conventional banks but has a negative impact on Islamic banks. Arguably, financially literate customers may resist digital services that do not fully meet Islamic principles. The results highlight the need for tailored strategies in Islamic banking, including the development of Shariah-compliant digital products, enhanced financial literacy programs, and more robust risk management frameworks to mitigate vulnerabilities like digital bank runs and improve stability in the sector.
From Traditional Marketplace to Online Shop: Shifting Shopping Patterns among University Students in Bangladesh Balaly, Md. Habibullah; Islam, Md. Rabiul; Makhdum, Niaz; Shah, A.M.M. Mubassher; Banna, Hasanul
Journal of Information System and Informatics Vol 7 No 2 (2025): June
Publisher : Universitas Bina Darma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51519/journalisi.v7i2.1137

Abstract

The explosive rise of e-commerce has largely changed shopping habits around the world, and university students are one of the biggest groups to have changed their ways of shopping. In Bangladesh, the change from conventional to digital shopping has been visible with the help of mobile technology, the impact of social media, and also due to the ease of online shopping. The study identifies the drivers of online shopping acceptance among university students in Bangladesh through the lens of theoretical framework based on TAM, UTAUT and TPB. Quantitative method was employed, and the data were collected using simple random sampling from 384 students, determined based on 95% confidence level and 5% margin of error, from three different universities in Bangladesh. The results suggest that the convenience, quickness, and the assortment of the product are the key motivations that drive students to online shopping. Besides, social media networks, mainly Facebook and Instagram, play an incredibly significant role in deciding to buy the students. However, issues like the delay in delivery, high delivery charges, and the question of products' authenticity have proven to be the barriers to the online shopping experience. The research advocates that a reduction in delivery fees, better logistics operations, and providing student discounts will lead to an increase in adoption of e-commerce in Bangladesh. Besides, it is essential to instill customer trust in e-commerce platforms by using secure payment systems and trustworthy products and delivery services.
DIGITAL FINANCIAL INCLUSION AND BANK STABILITY IN A DUAL BANKING SYSTEM: DOES FINANCIAL LITERACY MATTER? Banna, Hasanul
Journal of Islamic Monetary Economics and Finance Vol. 11 No. 1 (2025)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v11i1.2650

Abstract

This study examines the relationship between digital financial inclusion (DFI), financial literacy, and stability of conventional and Islamic banks across 15 countries from 2011 to 2020. The findings show that DFI significantly enhances the stability of conventional banks, particularly through increased customer engagement with digital financial services, improving asset quality and reducing risks. In contrast, the relationship between DFI and stability of Islamic banks is either insignificant or negative, which may be attributed to Shariah compliance requirements, product mismatches, and competition from conventional banks and FinTech firms. Furthermore, while DFI boosts stability in conventional banks, it also exposes them to potential risks such as digital bank runs, as seen in the case of Silicon Valley Bank (SVB) in 2023. Additionally, high financial literacy positively interacts with DFI to boost the stability of conventional banks but has a negative impact on Islamic banks. Arguably, financially literate customers may resist digital services that do not fully meet Islamic principles. The results highlight the need for tailored strategies in Islamic banking, including the development of Shariah-compliant digital products, enhanced financial literacy programs, and more robust risk management frameworks to mitigate vulnerabilities like digital bank runs and improve stability in the sector.
Co-Authors Balaly, Md. Habibullah Makhdum, Niaz Md. Rabiul Islam Shah, A.M.M. Mubassher