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All Journal Jurnal Manajemen Teori dan Terapan Southeast Asian Business Review
Obi, Nwoye James
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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Digital Literacy as a Mediator Between Digital Finance Adoption and Financial Inclusion Among SMEs in Oyo State, Nigeria Sajuyigbe, Ademola Samuel; Obi, Nwoye James; Oladapo, John Tawiah; Adegun, Emmanuel Aderinola; Adedoyin, Adewumi Ramat; Dunsin, Abimbola Tolulope
Southeast Asian Business Review Vol. 3 No. 1 (2025)
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/sabr.v3i1.67731

Abstract

The study investigates the mediating role of digital literacy in the relationship between digital finance and financial inclusion among SMEs in Oyo State, Nigeria. Data were collected through a questionnaire administered to 298 SME CEOs across the Agro-allied, Manufacturing, Education, and Construction sectors. Path Analysis Structural Equation Modelling (PA-SEM) was employed as the primary analytical technique. Findings reveal that digital finance significantly enhances financial inclusion, while digital literacy also exerts a strong positive influence on financial inclusion. Furthermore, the analysis shows that digital literacy partially mediates the relationship between digital finance and financial inclusion, as confirmed through bootstrapping. This highlights the critical role of digital literacy in amplifying the benefits of digital finance for financial inclusion. The results suggest that SMEs with higher digital literacy levels are better equipped to utilize digital finance tools, such as mobile money, online banking, and payment platforms, thereby achieving greater financial inclusion. Consequently, it is recommended that SMEs prioritize developing the digital skills of their operators and employees to maximize the advantages offered by digital finance solutions.
Organizational Cynicism and Deviance Work Behaviour in the Banking Sector: Investigating the Role of Work-Life Balance and Perceived Organizational Support as Mediators Sajuyigbe, Ademola Samuel; Sanusi, Bolanle Mistura; Babalola, Olusola Adebola; Akinbobola, Abiola Olubunmi; Tella, Adeniran Rahman; Obi, Nwoye James
Jurnal Manajemen Teori dan Terapan| Journal of Theoretical and Applied Management Vol. 18 No. 2 (2025)
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jmtt.v18i2.71017

Abstract

Objective: This study explores the mediating roles of work-life balance (WLB) and perceived organizational support (POS) in the relationship between organizational cynicism (OC) and deviant work behaviours (DWB) in Nigerian banks. It extends the application of Organizational Justice Theory and Leader-Member Exchange (LMX) Theory to the banking sector, highlighting their relevance in understanding employee behaviour within high-pressure organizational settings. Design/Methods/Approach: The data were collected through a survey questionnaire administered to 120 bank employees. Data analysis was conducted using Path Analysis Structural Equation Modelling (PA-SEM). Findings: The study indicates that organizational cynicism significantly contributes to deviant workplace behaviours, driven by factors such as poor leadership, lack of transparency, unrealistic targets, and job insecurity. However, both work-life balance and perceived organizational support were found to have a negative and significant impact on workplace deviance, indicating that better work-life balance and higher organizational support are associated with reduced employee misconduct. Moreover, mediation analysis confirms that WLB and POS partially mediate the OC-DWB relationship, suggesting that reducing cynicism alone is insufficient; organizations must also enhance employee well-being and foster a supportive work culture. Originality/Value: The study advances theoretical knowledge by demonstrating the partial mediating mechanisms through which organizational cynicism translates into deviance, and highlights the significance of social exchange dynamics and perceptions of fairness in shaping employee behaviour. Practical/Policy implication: The findings underscore the need for banking institutions and policymakers to go beyond surface-level interventions aimed at reducing cynicism. To effectively curb deviant workplace behaviours, organizations should implement comprehensive strategies that promote work-life integration, enhance organizational support systems, and cultivate ethical and transparent leadership.
Co-Authors Adedoyin, Adewumi Ramat Adegun, Emmanuel Aderinola Akinbobola, Abiola Olubunmi Babalola, Olusola Adebola Dunsin, Abimbola Tolulope Oladapo, John Tawiah Sajuyigbe, Ademola Samuel Sanusi, Bolanle Mistura Tella, Adeniran Rahman