International Journal of Technological Learning, Innovation and Development (16 papers in press)

Regular Issues

• Impact of Information and Communication Technology Acquisition and Skills on SMEs Innovation in Oyo State, Nigeria  
  by David Olufemi Akindimeji  
  Abstract: This study investigates the influence of ICT acquisition and skills on innovation outcomes among SMEs in three primary sectors: manufacturing, agriculture and services employing descriptive statistic and multiple linear regression analyses. Using a dataset of 400 responses, the research explores the ANOVA and linear relationships between ICT-related factors and innovation performance. While minor variations in mean scores were observed in the descriptive statistics, these differences are not statistically significant. A multiple linear regression model further highlights the role of CEO educational qualifications alongside ICT skills as significant predictors of innovation outcomes while the size, sector of activity and age of firms did not contribute significantly. The study situates these findings within the frameworks of Rogers diffusion of innovation (DOI) and Venkatesh et al.s (2003) unified theory of acceptance and use of technology (UTAUT), underscoring the importance of ICT capabilities in fostering innovation. The results suggest that investments in ICT skills development, coupled with organisational leadership, are critical to enhancing firm-level innovation, while sector of activity does not really matter.
  Keywords: ICT acquisition; ICT skills; leadership quality; innovation; product innovation; process innovation.
  DOI: 10.1504/IJTLID.2026.10069916
   
  
• Mapping the Conceptual, Intellectual, and Social Structure of Financial Literacy and Fintech Literature: a Bibliometric Analysis  
  by Pooja Rani, Neelam Jain 
  Abstract: This bibliometric analysis investigates the intersection of financial literacy and fintech using 375 documents extracted from the Scopus database (20122024) through the PRISMA framework. The study employs performance analysis to identify prolific authors, journals, articles, institutions, and countries, along with science mapping techniques to visualise the conceptual, social, and intellectual structure to uncover underlying themes and active research areas, using VOSviewer and Biblioshiny software. The identified themes focus on the role of financial literacy and fintech in boosting financial inclusion, revolutionising the financial system, and achieving sustainable development. The study concludes that financial literacy and fintech have a mutually reinforcing relationship. Influential studies and emerging topics, such as digital financial literacy and financial well-being, provide valuable insights for future research. Additionally, the findings recommend that governments, policymakers, and financial institutions promote financial literacy and fintech by implementing supportive policies, providing educational resources, and fostering a secure and inclusive financial environment.
  Keywords: Financial literacy; Fintech; Financial Technology; Bibliometric analysis; Science mapping; VOSviewer.
  DOI: 10.1504/IJTLID.2026.10070496
   
  
• The Innovative Process of Digitalisation: Institutional Analysis of Indonesia, China and India  
  by Fachru Nofrian, Dianwicaksih Arieftiara, Faisal Marzuki 
  Abstract: Despite its rapid utilisation mainly through the information and communication technology sector, digitalisation impact on innovation has yet to be clearly clarified. By looking at the ways it is implemented and supported by governments in Indonesia, China, and India, this research seeks to explain the various regularities, institutional changes and modes of development brought about by the changes in platform capitalism, which ultimately explains the diversity of innovation in Asia. This research will use input-output analysis, first to describe sectors and identify the interrelation of science, technology, and industry (STI), and digital technology and infrastructure. Second, we develop analytical analysis to distinguish the identification of STI institutions and its related sectors, institutional techniques and its organizational isomorphisms. Third, this research will analyze the conformity of self-automation with innovation and work productivity using the internet. The results are expected to show different innovative process of digitalization in the countries.
  Keywords: Capitalism; Institution; Technology; Digitalization; Innovation; Industrialization.
  DOI: 10.1504/IJTLID.2026.10070545
   
  
• Adoption Factors of ChatGPT among Educators of Tertiary Education under the Interpretive Structural Modelling Framework  
  by Samuel Villa Jr., Blesie Villa, Nelson Nolon, Celbert Himang 
  Abstract: Educational institutions strive to enhance their efficiency by integrating artificial intelligence (AI) technologies into their traditional teaching and learning process. One of the most prominent AI educational technology is ChatGPT which proved to be rapidly emerging in the educational landscape especially among educators. Despite the potential benefits it offers educators, several apprehensions remain controversial given the risks and issues surrounding its full adoption. Therefore, this paper aims to analyse the adoption factors of ChatGPT among educators using interpretive structural modelling (ISM) under the lens of a state university in the Philippines. The most interesting result revealed that technicality and self-efficacy must be prioritised should stakeholders move towards the adoption of ChatGPT. Removing the barriers with respect to the technology's complexity and users' ability to address technical problems increases the likelihood of adoption.
  Keywords: ChatGPT; interpretive structural modeling; adoption factors; higher education.
  DOI: 10.1504/IJTLID.2026.10070857
   
  
• Does Industrial Production and Food Inflation React to Digital Financial Transaction? Evidence from India  
  by Nagendra Sai Kumar Reddy Nageti, Amritkant Mishra 
  Abstract: Current investigation strives to unearth the impact of digital payment transactions on industrial production and food prices in India. To accomplish the relevant objective, this paper applies an autoregressive distributional lag (ARDL) model to the monthly time series data from June 2020 to January 2024. The pertinent outcome of current research unearths that in the long run, digital payment is associated with industrial production and food inflation in India. Additionally, we find that digital payments lead to the advancement of industrial production; however, among the payment modes, UPI has the highest positive impact on industrial production. On the other hand, our result shows that digital payments, such as credit cards, NEFT, and UPI transactions, instigate the consumer food prices in the long run in India. Finally, our result confirms the non-significant impact of RTGS transactions on food prices in India. The relevant outcomes reveal the implications of the digital payment system in the regulation of industrial productivity and food prices in India.
  Keywords: Digital financial transaction; Index for Industrial Production; Consumer Food Price Index; ARDL Estimation; India.
  DOI: 10.1504/IJTLID.2026.10070859
   
  
• Zambia's Changing Mining Landscape and Firm-Level Technological Capabilities Development Among Local Engineering and Manufacturing Suppliers  
  by Wisdom Chilwizhi Kaleng'a  
  Abstract: Firm-level technological capabilities (FTCs) are a crucially significant aspect local suppliers ought to continually develop to overcome exclusion in Zambias multinational corporations (MNCs) - dominated mining sector. Despite Zambias long history of copper mining, FTCs development processes among local suppliers have been characterised by disjointed pathways across the political, economic and mining reforms since independence in 1964. The narrative that local suppliers, unlike their foreign counterparts, are often excluded from the copper mining value chain because they lack capabilities exists. This paper is in this debate, but its point of departure is evidence of technological capabilities development among local suppliers in manufacturing and engineering services. Empirical evidence shows the constant exclusion of local suppliers from significant participation in the mining value chain despite varying presence of FTCs development in different political and economic dispensations. The remedy lies in a mining environment shaped under the governments holistic aegis.
  Keywords: Zambia; Engineering; Manufacturing; Local Suppliers; Firm-Level Technological Capabilities Development; Mining Sector; Political-Economic Reforms.
  DOI: 10.1504/IJTLID.2026.10070873
   
  
• Challenge-Based Learning: a Technology Perspective  
  by Ricardo Silva, Óscar Oliveira, Bruno Oliveira 
  Abstract: Challenge-Based Learning (CBL) is an educational method that promotes active, experiential learning by involving students in real-world problem-solving. Unlike traditional methodologies, CBL centres on collaboration, critical thinking, and hands-on engagement, empowering students to take charge of their learning journey. As digital tools and platforms play an increasing role in education, technology has become integral to CBL, enhancing student engagement, collaboration, and the overall learning experience. This article focuses on the intersection of CBL and technology, examining how digital solutions elevate the CBL framework. However, this study identifies a critical gap in the current CBL literature: the absence of clear, detailed documentation on the role and application of technology in CBL implementation. Addressing this gap is essential for supporting the replication, refinement, and scalability of CBL practices, equipping educators with the knowledge needed to harness technology effectively within this transformative educational model.
  Keywords: Challenge Based Learning; Educational Technology; Active Learning; Digital Tools in Education; Collaborative Learning Platforms.
  DOI: 10.1504/IJTLID.2026.10071046
   
  
• Fintech and AI Adoption: Investment Boosters or Killers Examining the role of Behavioural Bias  
  by Adi Kurniawan Yusup 
  Abstract: The rapid growth of financial technology (fintech) and artificial intelligence (AI) has transformed financial sectors. This study aims to analyse the impact of fintech and AI adoption on investment performance, mediated by herding behaviour, disposition effect and overconfidence, as behavioural biases. A survey was conducted among 107 Indonesian investors aged 17 and older. Covariance based SEM was used to analyse the data, supported by Technology Acceptance Model and behavioural finance concept. The findings indicate that fintech adoption significantly reduces herding behaviour, disposition effect, and overconfidence. In contrast, AI adoption has no impact on herding behaviour and overconfidence but is positively related to the disposition effect. Among the behavioural biases, only overconfidence significantly reduces investment performance. Fintech adoption can directly enhance investment performance, while AI adoption cannot. However, fintech adoption indirectly improves investment performance only through the reduction of overconfidence, whereas AI adoption has no indirect impact on investment performance.
  Keywords: fintech adoption; AI adoption; investment performance; behavioral bias.
  DOI: 10.1504/IJTLID.2026.10071067
   
  
• Future of AI Tools in Enhancing Learning in Engineering Education: a Student-Centred Perspective from Sri Lanka  
  by Gaspe Mudiyanselage Sujeetha Maduwanthi Gaspe, Imesha P. Hathiringe Dona 
  Abstract: Integration of Artificial Intelligence (AI) tools in education has become increasingly prevalent, particularly among undergraduate students in engineering disciplines. In this study, we explore the perspectives of Mechanical and Mechatronic engineering undergraduates in Sri Lanka regarding the use of AI tools within their educational context. We use a quantitative research design with a structured survey questionnaire to collect comprehensive insights into the experiences, challenges, and attitudes of students toward using AI tools in their academic work. By investigating the experiences and attitudes of undergraduates toward AI applications, we provide insights into the potential benefits and challenges of incorporating AI tools into the engineering curriculum. The findings show that students value AI tools for improving learning and problem-solving but express concerns about ethics, privacy, accessibility, equity, and AI literacy. These insights guide strategies and policies to integrate AI into engineering education in Sri Lanka, preparing students for an AI-driven future.
  Keywords: Engineering education; Artificial Intelligence (AI) tools; Mechanical engineering; Mechatronics engineering; Student perspective.
  DOI: 10.1504/IJTLID.2026.10071363
   
  
• From Connectivity to Prosperity: How Information and Communication Technology (ICT) Drives India's Economic Growth  
  by Laxmi Yadav, Kiran Bala 
  Abstract: The study investigates the role of information and communication technology (ICT) in shaping Indias economic growth using annual data from 20002023. A composite ICT index, constructed using nine indicators, is linked with per capita real GDP growth employing a vector error correction model (VECM), forecast error variance decomposition (FEVD), and bootstrapped impulse response functions (IRFs). Results show that ICT explains only about 8 % of growth fluctuations over a ten-year horizon, indicating a modest impact. ICT expansion has not yet translated into broad growth benefits due to uneven adoption, infrastructure gaps, and low digital literacy. The study concludes that ICT-led growth in India is conditional on complementary factors such as institutional quality, human capital, and digital infrastructure. Policymakers should prioritise sectoral integration, skill enhancement, and digital inclusion policies to unlock ICTs potential. The study recommends that future research should incorporate a regime-based framework, nonlinear and sectoral dynamics for profound insights.
  Keywords: economic growth; India; VECM; ICT; digital infrastructure; digital literacy.
  DOI: 10.1504/IJTLID.2026.10074352
   
  
• Organisational and Technological Factors for Enriching E-Work Life: Examining the Mediating Role of Employee Engagement  
  by Arpana Kumari, Suneha Manna, Gia Madan 
  Abstract: Amidst the fast-paced technological shifts of organisations in managing their workforce, it is imperative to investigate the factors that can influence the employees working patterns in E-work life, that is, electronic work life (EWL). This paper explores the role of organisational factors (OF) and technological factors (TF) in the E- the work life of employees of Indian IT sector companies. The paper also examines the mediation of employee engagement (EE) between OF, TF, and EWL. To conduct this empirical study, data were gathered through an online survey of employees in the IT industry and analysed using PLS-SEM. The findings highlighted the role of OF and TF in the new era of E-work life and emphasised the need for organisations to invest in EE practices to optimise their remote workforce management practices. The results of the study provided key implications for enhancing EE, OF, and TF dimensions in research and promoting the organisations policy to reframe E-work life.
  Keywords: Organisational factors; Technological factors; E- work life; Employee Engagement.
  DOI: 10.1504/IJTLID.2026.10074715
   
  
• Exploring the Role of Fintech in Advancing Financial Access and Financial Well-Being: a Bibliometric Analysis  
  by Muskan Singla, Neelam Jain 
  Abstract: This study investigates the crucial role of Fintech in advancing financial access and well-being through a bibliometric analysis of 153 articles sourced from the Scopus database (1995-2024), following the PRISMA methodology. This research utilizes performance analysis to identify key authors, journals, articles, and countries, while employing science mapping to highlight core themes using Vosviewer and Biblioshiny software. The findings indicate a significant increase in research activity post-2020, primarily driven by the digital transformation during the COVID-19 pandemic. The themes identified highlight fintech's influence on transforming financial systems, enhancing financial well-being, and promoting financial inclusion. This study uniquely addresses the relationship between fintech, financial access, and financial well-being, filling a notable gap in the existing literature. The results suggest that government, policymakers, and financial institutions should prioritise strengthening digital infrastructure, fostering financial literacy, and creating a secure regulatory framework- particularly in emerging economies to enhance access and support sustainable economic growth.
  Keywords: Fintech; financial technology; Bibliometric analysis; VOSviewer; financial access; financial well-being; FWB.
  DOI: 10.1504/IJTLID.2026.10075296
   
  
• The Effect of Patents and Spillovers on Industrial Production in Brazil  
  by Vinicius Nonato, Paula Tofoli, Philipp Ehrl 
  Abstract: In this paper, we analyze whether patents affect the productivity of the Brazilian manufacturing industry through four transmission channels: intra-sectoral knowledge accumulation, inter-sectoral spillovers, technical progress and efficiency. We estimate a stochastic frontier model with fixed effects for sectoral panel data between 2012 and 2021. The results show that patents increase productivity in the same industry and in other downstream industries through intermediate inputs consumption. Patents and their spillovers are also positively related to the pace of technological progress. The accumulation of patents reduces the dispersion of production below the frontier, while spillovers reduce efficiency in the short term.
  Keywords: Stochastic frontier; Patents; Manufacturing; Technical Efficiency; Productivity.
  DOI: 10.1504/IJTLID.2026.10075891
   
  
• Social Entrepreneurship Intention Among Young Digital Talents: The Role of Project Exposure  
  by Luthfi Ramadani, Widia Febriyani 
  Abstract: With extensive opportunities to accelerate national development, developing countries require digital talent to create suitable digital products and services that address societal challenges. However, current discussions on digital talent development primarily focus on meeting the needs of the business workforce, with little attention given to recognising the potential role of youth in social and national development. This study seeks to address this gap by conceptualising the antecedents of digital social entrepreneurship. It explores how young digital talents in Indonesia develop their social entrepreneurial intentions following exposure to rural digital village projects. The results show that the experiences from these projects reinforce the youths digital self-efficacy, empathy and moral obligation, perceived social support, and perceived project impact on village development, all of which positively relate to their social entrepreneurial intentions. By understanding the antecedents that motivate youth to become digital social entrepreneurs, stakeholders can strategically shape programs that empower the younger generation to harness digital innovation for positive societal change, thereby contributing to national development.
  Keywords: social entrepreneurship; entrepreneurial intention; digital talent; rural development; digital village; project exposure; developing countries.
  DOI: 10.1504/IJTLID.2027.10076816
   
  
• Innovation Ecosystem Implications for Territorial Development  
  by Gabriel Morais, Moema Pereira Nunes 
  Abstract: This study uses Latent Dirichlet Allocation (LDA) and Term-Frequency Inverse-Document Frequency (TF-IDF) analysis on 7,045 Scopus-indexed abstracts (1978-2023) to systematically map the Innovation Ecosystem (IE) research landscape. It overcomes previous limitations by offering broader conceptual coverage, developing a framework tailored to emerging-economy realities, and consolidating publications that are scattered across the IE research field. Ten main research areas are identified: public policy, ecosystem development, social innovation, business promotion, value creation, innovation processes, knowledge management, technology adoption, service ecosystems, and business model innovation. Key findings show a rise in platform-based ecosystems, an increased focus on knowledge governance, and a growing emphasis on territorial innovation strategies. This study offers policymakers an evidence-based framework for designing adaptive, inclusive territorial innovation strategies while identifying gaps for future research.
  Keywords: Innovation ecosystems; regional development; systematic literature review; Latent Dirichlet Allocation (LDA); planning and policy.
  DOI: 10.1504/IJTLID.2027.10077066
   
  
• Does Export Product Diversification's Strategies Matter for Sustainable Development? An Emerging Economies Perspective  
  by Qamar Sajjad Haider, Jabbar Ul-Haq, Ahmed Raza Cheema 
  Abstract: The world is struggling with devastating global warming, which requires immediate action. Sustainable development (SD) can be a driver for upgrading ecological sustainability and promoting human well-being. A country's economic fitness (EF), comprising Export Product Diversification and Economic Complexity, indicates its capacity to provide solutions to difficult problems like global warming and ecological degradation, which are serious world problems in today's age. Its primary role is less explored in existing literature, our study examines the role of EF on SD in the context of the environmental Kuznets curve (EKC) for the E-7 economies. Our findings demonstrate an N-shaped association between EF and SD. Our empirical results are robust and insensitive to different econometric techniques such as FGLS (Feasible Generalized Least Squares), DKSE (Driscoll-Kraay standard errors), and PCSE (Panel Corrected Standard Error), even after accounting for control variables. Financial development, economic innovation, renewable energy, and government effectiveness all foster SD, and population hampers SD. A wide-ranging suite of policies is provided to constrain carbon and material footprints and promote ecologically resilient communities.
  Keywords: Economic Fitness; Sustainable Development; Financial development; Renewable energy; Government effectiveness; Eco innovations.
  DOI: 10.1504/IJTLID.2027.10077074