SACM - United States of America
Permanent URI for this collectionhttps://drepo.sdl.edu.sa/handle/20.500.14154/9668
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Item Restricted Fintech and Entrepreneurship: An Assessment Model to Evaluate Policy Instruments for Fintech Adoption by Small and Medium Enterprises (SMEs)(ProQuest, 2023-11-01) Alassaf, Deemah; Daim, Tugrul U.Small and medium enterprises (SMEs) are the engines that drive economic development. They are the backbone of the middle class as they provide social stability, innovation, inclusive growth, and poverty alleviation. SMEs contribute significantly to job creation, employment, tax provision and the Gross Domestic Product (GDP). However, they face inferior conditions and challenges when it comes to their financing compared to that of large enterprises, as well as having a high expectancy of failing. Because of these limitations, SMEs tend to grow slowly since building up higher credit is difficult for them, and in addition to this, they lack access to broad financing channels. Hence, Fintech solutions offer promising potential for improving SMEs’ access to finance through extending them more accessible and available services, more efficient credit risk assessments and reduced transaction costs. These tools can offer a valuable opportunity for ventures that are too small in size, and involve a great deal of risk, or serve a social purpose. While researchers and practitioners have been promoting Fintech as a potential financial safeguard for SMEs’ needs, evidence shows an inadequate adoption rate of SMEs to such solutions. Therefore, this research aims to provide a comprehensive examination for Fintech policy instruments and analyze their effectiveness on increasing the adoption of Fintech by SMEs through evaluating the essential policy targets impacting the adoption of Fintech and assessing their weights and priorities in the context of SMEs. The research was built upon an inclusive hierarchical decision model and a comprehensive literature review. Experts’ insights were utilized to identify the most important factors influencing Fintech adoption and policy effectiveness. The Hierarchical Decision Modeling (HDM) methodology was used to identify the relative importance of those factors proposing a policy evaluation tool to assess the effectiveness of policy instruments on increasing Fintech adoption. To test the practicality and value the research model adds to the research objective, a case study of the policy instrument effectiveness, the Saudi Arabian regulatory sandbox, was conducted. This research presents the identification of seventeen distinct policy targets that fall within four main perspectives along with their relative weights, as it also integrates the desirability curves methodology that measures the importance of each perspective and criterion. The case study was introduced to illustrate how the model could be used to identify the policy instrument’s actual performance in terms of influencing SMEs adoption of Fintech, identify the instrument’s strengths and weaknesses, and offer recommendations and guiding principles on how to improve the detected weaknesses to increase the policy instrument’s effectiveness on increasing the adoption of Fintech by SMEs.29 0Item Restricted INVESTIGATING THE IMPACT OF LEAN SIX SIGMA PRINCIPLES ON ESTABLISHING AND MAINTAINING DATA GOVERNANCE SYSTEMS IN SMES: AN EXPLORATORY STUDY USING GROUNDED THEORY AND ISM APPROACH(2023) Alduraibi, Manal; Laux, Chad; Springer, John; Dietz, Eric; Laux, DawnData Governance and Data Privacy are critical aspects of organizational management that are widely utilized across all organizational scales. However, this research focused specifically on the significance of Data Governance and Data Privacy in Small and Medium Enterprises (SMEs). While the importance of maintaining these systems is paramount across all organizations, the challenges faced by SMEs in maintaining these systems are greater due to their limited resources. These challenges include potential errors such as data leaks, use of corrupted data, or insufficient data, as well as the difficulty in identifying clear roles and responsibilities regarding data handling. To address these challenges, this research investigated the impact of utilizing Lean Six Sigma (LSS) tools and practices to overcome the anticipated gaps and challenges in SMEs. The qualitative methodology utilized is a grounded theory design, chosen due to the limited understanding of the best LSS practices for achieving data governance and data privacy in SMEs and how LSS can improve the adoption of data governance concerning privacy in SMEs. Data were collected using semi-structured interview questions that were reviewed by an expert panel and pilot tested. The sampling method included purposive, snowballing, and theoretical sampling, resulting in 20 participants being selected for interviews. Open, axial, and selective coding were performed, resulting in the development of a grounded theory. The obtained data were imported into NVivo, a qualitative analysis software program, to compare responses, categorize them into themes and groups, and develop a conceptual framework for Data Governance and Data Privacy. An iterative data collection and analysis approach was conducted to ensure that all aspects were considered. The applied grounded theory resulted in retrieving the themes used to generate a theory from the participants’ descriptions of LSS, SMEs, data governance, and data privacy. Finally, ISM technique has been applied to identify the relationships between the concepts and factors resulted from the grounded theory. It helps arranging the levels the criteria, drawing the relationships in a flowchart, and providing valuable insights to the researcher.27 0