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The influence of Industry 4.0 on financial services : determinants of alternative finance development

Treść / Zawartość
Identyfikatory
Warianty tytułu
PL
Wpływ Przemysłu 4.0 na usługi finansowe : determinanty rozwoju alternatywnych finansów
Języki publikacji
EN
Abstrakty
EN
Digitalization and virtualization in the era of the Industry 4.0 adjust the nature of finance and interaction between market participants. Many financial services are transferred to the virtual plane allowing the development of alternative finance - raising funds and carrying out borrowings through online platforms. Based on the analysis of the influence of factors on the alternative finance development, the paper formulates five hypotheses on the dependence of the amount of financial resources attracted through online platforms on the quantitative characteristics of the relevant factors. The goal is to study the factors of online financing service as an alternative to traditional financial intermediaries (including banks) using the method of correlation analysis. As the quantitative parameters of each factor, the use of commonly accepted indices and individual relative indicators is proposed. The results of the study showed 1) the significant impact of the country's economic development on the degree of the alternative finance development; 2) the strong direct influence of financial inclusion and the level of innovation of the country on the volume of alternative finance; 3) the lack of direct influence of information technology and the absence of the regulatory influence of the state on the development of the alternative finance market.
PL
Digitalizacja i wirtualizacja w dobie Przemysłu 4.0 dostosowują charakter finansów i interakcji między uczestnikami rynku. Wiele usług finansowych jest przenoszonych na płaszczyznę wirtualną umożliwiając rozwój alternatywnych źródeł finansowania - pozyskiwanie funduszy i prowadzenie pożyczek za pośrednictwem platform internetowych. Na podstawie analizy wpływu czynników na alternatywny rozwój finansów w artykule sformułowano pięć hipotez dotyczących zależności ilości środków finansowych przyciąganych przez platformy internetowe od cech ilościowych istotnych czynników. Celem artykułu jest zbadanie czynników usług finansowania online jako alternatywy dla tradycyjnych pośredników finansowych (w tym banków) przy użyciu metody analizy korelacji. Jako parametry ilościowe każdego czynnika proponuje się stosowanie powszechnie akceptowanych wskaźników i indywidualnych wskaźników względnych. Wyniki badania wykazały 1) znaczący wpływ rozwoju gospodarczego kraju na stopień rozwoju alternatywnego finansowania; 2) silny bezpośredni wpływ dostępności finansowania i poziomu innowacyjności kraju na wielkość alternatywnego finansowania; 3) brak bezpośredniego wpływu technologii informatycznych i brak regulacyjnego wpływu państwa na rozwój alternatywnego rynku finansowego.
Rocznik
Strony
70--93
Opis fizyczny
Bibliogr. 48 poz., rys., tab.
Twórcy
autor
  • Tomas Bata University in Zlin, Faculty of Management and Economics, Centre of Applied Economic Research, Zlin, Czech Republic
  • Sumy State University, O. Balatskyi Academic and Research Institute of Finance, Economics and Management, Department of Finance and Entrepreneurship, Sumy, Ukraine
  • Sumy State University, O. Balatskyi Academic and Research Institute of Finance, Economics and Management, Department of Finance and Entrepreneurship, Sumy, Ukraine
  • Sumy State University, Education and Research Institute for Business Technologies, Department of Economic Cybernetics, Sumy, Ukraine
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Uwagi
Opracowanie rekordu w ramach umowy 509/P-DUN/2018 ze środków MNiSW przeznaczonych na działalność upowszechniającą naukę (2019).
Typ dokumentu
Bibliografia
Identyfikator YADDA
bwmeta1.element.baztech-e22caa16-03bf-4833-b004-b2624230e64a
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