Bharat International Journal of Humanities and Social Sciences
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BIJHSS
BIJHSS Bharat International Journal of Humanities and Social Sciences
प्रकाशक Atal Bihari Vajpayee Hindi University अटल बिहारी वाजपेयी हिन्दी विश्वविद्यालय
लेख

फिनटेक अपनाना और परिचालन प्रदर्शन: प्रक्रियाओं और सेवाओं में डिजिटल नवाचार की मध्यस्थ भूमिकाएँ

Ahmed fayez almajali (1)
1. Department of Banking and Financial Sciences, Faculty of Finance and Business, The World Islamic Sciences & Education University, Amman -Jordan
प्राप्त2026-03-16
संशोधित2026-04-02
स्वीकृत2026-07-07
प्रकाशित2026-08-23

सारांश

फिनटेक अपनाना और परिचालन प्रदर्शन: प्रक्रियाओं और सेवाओं में डिजिटल नवाचार की मध्यस्थ भूमिकाएँ

सारांश

यह अध्ययन जाँचता है कि फिनटेक अपनाने और परिचालन प्रदर्शन के बीच संबंध में डिजिटल नवाचार क्षमता मध्यस्थ की भूमिका निभाती है या नहीं। अध्ययन गतिशील क्षमताओं के सिद्धांत और संसाधन-आधारित दृष्टिकोण पर आधारित है। मॉडल में फिनटेक अपनाने के तीन रूप शामिल हैं—डिजिटल भुगतान, क्लाउड-आधारित वित्तीय सेवाएँ और मोबाइल वित्तीय सेवाएँ। डिजिटल नवाचार क्षमता के दो आयाम हैं—प्रक्रियाओं में डिजिटल नवाचार और सेवाओं में डिजिटल नवाचार। परिचालन प्रदर्शन का आकलन परिचालन दक्षता और प्रक्रिया की गुणवत्ता के आधार पर किया गया। 250 प्रतिभागियों के सर्वेक्षण उत्तरों का विश्लेषण SmartPLS 4 में आंशिक न्यूनतम वर्ग संरचनात्मक समीकरण मॉडलिंग (PLS-SEM) से किया गया। सांख्यिकीय सार्थकता की जाँच के लिए 5,000 बूटस्ट्रैप पुनर्नमूनों का उपयोग किया गया। समग्र विश्वसनीयता 0.909 से 0.938 और औसत निष्कर्षित प्रसरण 0.622 से 0.673 के बीच रहा।

सभी 10 संरचनात्मक पथ सांख्यिकीय रूप से सार्थक थे। प्रक्रियाओं में डिजिटल नवाचार के साथ सबसे प्रबल संबंध क्लाउड-आधारित वित्तीय सेवाओं का था (β = 0.306, p < 0.001)। प्रक्रियाओं में डिजिटल नवाचार (β = 0.377, p < 0.001) और सेवाओं में डिजिटल नवाचार (β = 0.374, p < 0.001) परिचालन दक्षता के सबसे प्रबल पूर्वानुमानक थे। मॉडल ने परिचालन दक्षता में 42.2% और प्रक्रिया की गुणवत्ता में 33.1% प्रसरण की व्याख्या की। सभी 12 विशिष्ट अप्रत्यक्ष प्रभाव सांख्यिकीय रूप से सार्थक थे, जिससे प्रक्रियाओं और सेवाओं में डिजिटल नवाचार की मध्यस्थ भूमिकाओं को समर्थन मिला। निष्कर्ष संकेत देते हैं कि फिनटेक अपनाने से जुड़ा परिचालन लाभ कुछ हद तक इस बात पर निर्भर करता है कि संगठन इसका उपयोग प्रक्रियाओं को नए सिरे से तैयार करने और सेवाओं को विकसित करने में कैसे करते हैं।

मुख्य शब्द — फिनटेक अपनाना, डिजिटल नवाचार क्षमता, प्रक्रिया नवाचार, सेवा नवाचार, परिचालन प्रदर्शन, PLS-SEM।

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