International Journal of Technological Learning, Innovation and Development (20 papers in press)

Regular Issues

• Examining the Factors that Influence Green Banking Practices among Saudi Arabian Islamic Banks  
  by Ibrahim Oladapo 
  Abstract: In the 21st century, environmental sustainability has evolved into a crucial concern for human health, shifting societal attention to environmentally friendly behaviours. The problems of environmental degradation, pollution, and climate change have further sparked the commitment to enhance banking operations through green banking practices. This study investigates the impact of competitor pressure, customer pressure, environmental concern, and top management commitment to green banking practices in Saudi Arabian Islamic banks. The study utilised the data obtained through a survey with 307 bank professionals and experts as participants. The structural equation model technique is used to examine how the variables affect green banking practices. The findings show that factors such as management commitment, customer pressure, competitor pressure, and environmental concern have a significant impact on green banking practices. This suggests that continued commitment and efforts on various environmentally friendly activities will further improve the effectiveness and quality of banking services, giving Islamic banking institutions in Saudi Arabia a competitive advantage. Therefore, the Saudi Central Bank should continually emphasise environmentally responsive banking practices in its regulations, as doing so would strengthen the industry and encourage sustainable development.
  Keywords: stakeholder pressure; environmental concern; green banking practice; Islamic banking sector; Saudi Arabia.
  DOI: 10.1504/IJTLID.2025.10066163
   
  
• The Use of Digital Technology to Prevent Violence against Women: a Scoping Review of Recent Literature  
  by Franklin Epiphanio, Carolina Oms 
  Abstract: Violence against women persists as a multifaceted global public health challenge that requires interventions at various levels. This scoping review examines 22 empirical and theoretical studies on the use of technology to prevent violence against women. Theoretical models, methods, gender violence focus, and technological strategies are analyzed and summarized. We highlight key articles, point out barriers, and provide practical recommendations within the framework of the role of public policy and legislation in utilizing technology to address this issue. We conclude that while technology plays a multifaceted role in preventing violence against women and offers significant opportunities to empower survivors and engage communities, it should not be seen as a standalone solution. Additionally, we call for a broader discussion about involving women in developing these technological solutions and ensuring accountability in the technology industry regarding the impact of their products.
  Keywords: violence against women; technology; public policy; legislation; violence prevention; barriers; scoping review.
  DOI: 10.1504/IJTLID.2025.10066426
   
  
• Generation and Demographic-Based Differences in Cyberbullying Attitudes of Cyberbullies  
  by Suhans Bansal, NAVAL GARG, Jagvinder Singh 
  Abstract: Cyberbullying is a globally prevalent issue that has deterred its venom in organisations, too. No physical boundary or defence mechanism is able to defend people against it. The majority of the studies on cyberbullying primarily focus on victims, and perspectives of cyberbullies are largely ignored. This study explores generation and demographic-based differences in cyberbullying attitudes of the bullies using the Indian Cyberbullying Attitude Scale (ICBAS). We used a t-test, analysis of variance (ANOVA), and post-hoc analysis to examine variations in cyberbullying attitudes. The results revealed significant variations based on generation, gender, education level, profession, and daily usage of information and communication technology (ICT) tools. Income level-based variations in cyberbullying were reported as statistically nonsignificant. It is one of its kind studies that explores generational and demographic differences in cyberbullying perpetration, especially in India.
  Keywords: generation; demographic; cyberbullying attitude; India.
  DOI: 10.1504/IJTLID.2025.10066437
   
  
• Green Innovation for Sustainable Development: The Impact of Research and Development on Environmental Pollution Reduction  
  by Arezoo Zamany, Abbas Khamseh, Ali Khamseh 
  Abstract: In recent decades, mitigating environmental pollution has become a crucial objective for economies worldwide in pursuit of sustainable growth. However, the relationship between research and development (R&D) and its potential role in reducing environmental pollution remains relatively unexplored in sustainable development research. This study investigates the influence of green R&D on environmental pollution reduction. Through a comprehensive literature review, the study identifies five key components of green R&D: green intellectual capital, green ideas, green design, green investment, and rules and standards. The findings demonstrate that green R&D positively influences environmental pollution reduction, supporting its role as a driver for sustainable development and economic growth.
  Keywords: Green Research and Development; Environmental Pollution Reduction; Sustainable Development; Green Innovation; Environmental Impact; Sustainable Economic Growth.
  DOI: 10.1504/IJTLID.2025.10066540
   
  
• Assessing the Role of Innovation Clusters in Sustainable Development: A Comparative Case Study of Japan and South Korea, and Implications for Nigeria  
  by Temitayo Shenkoya 
  Abstract: Poverty remains a complex issue, in the global south particularly in Nigeria. Many countries have successfully transformed their economies from developing to developed economies through the development of innovation clusters in various areas of their countries. However, there is a paucity of research providing empirical evidence and real-life case analyses in this transformative process. This study presents itself as one of the earliest studies to provide empirical evidence to support the relevance of innovation clusters to sustainable development through an analysis of the performance of innovation clusters in South Korea and Japan. The results of this study show that the ultimate goal of innovation clusters is to foster sustainable development and eradicate poverty. The findings underscore the importance of innovation clusters in achieving these objectives, highlightng the governments leadership role in fostering collaboration amongst various stakeholders within an innovation cluster to maximise the developmental efforts of the government.
  Keywords: innovation cluster; SMEs; open innovation; policy; collaboration; national development plans; sustainable development; Japan; South Korea; Nigeria.
  DOI: 10.1504/IJTLID.2025.10066791
   
  
• Beyond Metrics: A Comprehensive Framework for Assessing Tourism Destination Competitiveness  
  by Aditi Nag, Smriti Mishra 
  Abstract: Understanding the competitive position of the destination is critical for destination managers in a highly competitive tourism market. The purpose of this study is to evaluate tourism destination competitiveness (TDC) from the demand perspective, analysing importance of various TDC characteristics and attempting to explain how these variables influence tourists' decisions. Under the travel and tourism competitiveness index (TTCI) pillars, this study developed a conceptual model for tourism arrival evaluation that included tourism stakeholders, movement choice, tourism infrastructure, and tourism price variables. The model utilises advanced statistical techniques including maximum likelihood estimation, information entropy, and Augmented Dickey-Fuller Test to ensure integration of variables and stability for future model modifications, addressing limitations of existing models and promoting inclusivity. The study introduces a novel TTCI weighting technique for evaluating subjective and objective pillars, offering insights for destination management organisations to improve competitiveness and adapt to market changes, holding both theoretical and managerial significance.
  Keywords: Augmented Dickey-Fuller test; ADF; information entropy; maximum likelihood estimation; MLE; real exchange rate; LER; tourism arrivals; tourism destination competitiveness; TDC.
  DOI: 10.1504/IJTLID.2025.10066890
   
  
• Determinants of Fintech Adoption in Banking: The Role of Technological Literacy: Evidence from Pakistan  
  by Shahbaz Tariq, Najabat Ali 
  Abstract: Fintech has emerged as a transformative strategy offering convenient, timely, high-quality, and low-cost financial services to individuals and enterprises. However, as cyber threats increase, so does the perception of risk. The study attempts to address this risk perception and other background factors to examine the behaviour of bank customers. The proposed framework incorporates the theory of planned behaviour and the technological acceptance model to predict behaviour. Using convenience sampling, we ultimately selected 390 bank customers as our final respondents. The study employed correlation, regression, mediation, and moderation analysis to test the hypothesis. The findings revealed that innovation, perceived usefulness, ease of use, and trust significantly positively impact attitudes towards fintech decisions. This study has implications for policymakers, banking service providers, and governments in establishing strategies to mitigate the perceived risk and improve the usefulness of services offered by FinTech.
  Keywords: fintech adoption; technological literacy; perceived risk; innovation.
  DOI: 10.1504/IJTLID.2025.10066896
   
  
• The role of Entrepreneurial Culture, Digital Orientation, and Digital Capabilities in Fostering Digital Innovation: a Focus on the Financial Services Sector in South Africa  
  by Boris Urban, Kennedy Mateyo 
  Abstract: Digitalisation as a game-changing innovation has significantly changed the organisational technology innovation landscape and shaped the research agenda. However, the literature shows a gap in the understanding of various aspects relating to digitalisation and innovation, particularly from an African emerging market perspective. The purpose of this article is to examine the relationship between digital capabilities, digital orientation, and digital innovation, while considering the moderating influence of an entrepreneurial organisational culture. The study is focused on firms in the financial services sector (n = 228) in South Africa. Results reveal that digital orientation and digital capabilities positively increase digital innovation. However, the moderating influence of an entrepreneurial organisational culture on this relationship is not significant, which may be attributed to the prevalence of remote work affecting organisational culture. The findings are valuable to managers who look to advance digitalisation in their organisation and enhance the capabilities needed for increased digital innovation.
  Keywords: digitalisation; technology; digital innovation; digital orientation; digital capabilities; entrepreneurial organisational culture; emerging markets.
  DOI: 10.1504/IJTLID.2025.10067022
   
  
• Closing Regional and Gender Gaps in Digital Financial Services: a Pathway to Financial Inclusion in Developing Countries  
  by Joshua Afolabi, Elinah Yemisi Olanrewaju, Blessing Olanrewaju 
  Abstract: The United Nations' quest to ensure no one is left behind, especially in digital finance, is sabotaged by the digital divide across regional and gender dimensions. Therefore, this study employed a case study approach and situational analysis to evaluate digital financial inclusion gaps in developing countries to devise strategies for closing the observed gaps in digital financial services (DFS). Findings showed that digital financial platforms are used more by males than females and are more prevalent in high-income countries than middle-income and low-income countries due to the disparity in institutional quality and infrastructural facilities. This study concluded that bridging the regional and gender gaps in DFS is pivotal for achieving financial inclusion. Taking cues from countries with success stories in digital financial inclusion, developing countries should build robust digital infrastructures, develop conducive business environments for Fintech companies, and leverage the high mobile phone/internet penetration rate to achieve digital financial inclusion.
  Keywords: Digital Financial Service; Financial Inclusion; Regional Gap; Gender Gap; Developing Countries.
  DOI: 10.1504/IJTLID.2025.10067598
   
  
• Which Indicators Explain National Innovation Performance Best? A Comparative Analysis by Levels of Income  
  by Zafer Sonmez, Faisal Al Monawer 
  Abstract: This study examines the relative importance of institutional factors in driving national innovation across different income levels. Using World Intellectual Property Organization's Global Innovation Index data for 132 countries and the last ten years (2013-2023), we employ fixed-effects regression models to analyse political, regulatory, and economic impacts on innovation outcomes. Results indicate that political stability is crucial for low-income countries, while the rule of law shows varied effects across income levels. Surprisingly, government effectiveness and regulatory quality demonstrate limited impact. Business and market sophistication emerge as stronger predictors of innovation outcomes than traditional institutional variables. These findings suggest the need for tailored innovation policies that consider a country's developmental stage and emphasize the role of sophisticated business practices and market structures in fostering innovation. Our study contributes to the literature by utilising standardised global data, enabling more reliable cross-country comparisons of innovation performance.
  Keywords: National innovation performance; global innovation index; government institutions; innovation policy.
  DOI: 10.1504/IJTLID.2025.10068658
   
  
• Mapping the Evolution of Fintech Adoption: A Bibliometric and Retrospective Analysis  
  by Muskan Singla, Neelam Jain 
  Abstract: The focus of this study is to underline the current scenario in the adoption of financial technology (Fintech) using bibliometrics of 662 articles from the Scopus database (1990-2024). PRISMA flow chart methodology has been used in this study to screen, include, and exclude relevant papers. Vosviewer and Biblioshiny are utilised for science mapping and performance analysis. This study shows that since 2020, there has been a steady increase in research on Fintech adoption. Resources Policy and Technological Forecasting and Social Change are two of the most prolific journals in this area. Also, co-citation analysis of cited references has resulted in four major themes: factors influencing Fintech adoption, users acceptance models for information technologies, integrating theoretical models for mobile financial services, and the impact of digital finance on financial inclusion, stability, and regulation. This study offers valuable insights for academicians, service providers, and policymakers to enhance their understanding of Fintech adoption.
  Keywords: FinTech; Bibliometric analysis; VOSviewer; R studio; Financial technology; Adoption.
  DOI: 10.1504/IJTLID.2025.10068760
   
  
• Unveiling the Drivers of Fintech Adoption and Usage: a Systematic Literature review  
  by Payal Goyal, Mamta Aggarwal, Meera Bamba 
  Abstract: In an era characterised by thriving popularity of cutting-edge technologies, the significance of financial technology or fintech in the finance sector requires no further demonstration. This study thoroughly investigates the driving forces behind fintech adoption based on a systematic literature review (SLR) of 97 studies from 1980 to 2023. It uncovers demand drivers such as customer trust, ease of use, government influence, etc. that fuel the usage of fintech solutions. Concurrently, it sheds light on supply drivers that propel fintech innovation such as survival in a competitive environment, technological advancements, etc. The study also reveals significant gaps in existing research such as the lack of studies on financial literacy and regulatory frameworks as drivers, as well as fintech adoption across different demographics. The findings not only provide a roadmap for financial institutions, policymakers and fintech firms but also lay a groundwork for future research in this competitive and ever-evolving landscape.
  Keywords: financial technology; fintech growth; systematic literature review; fintech innovations.
  DOI: 10.1504/IJTLID.2025.10069001
   
  
• Role of Digital Inclusion in Galvanising Sustainable Higher Education in the 5th Industrial Revolution  
  by Temitayo Shenkoya, Daewoo Cho 
  Abstract: Higher education plays an important role in enhancing the innovation capacity in a country. While the digital transformation of the 4th and 5th industrial revolution is making it possible for people globally to have access to quality education, in many countries, the transformative power of digitalisation is not being optimised because of the digital exclusion of many people leading to illiteracy and a rise in poverty. This represents a major issue. To address this issue, a systematic literature review was carried-out to provide empirical evidence on the role of digital inclusion in driving sustainable higher education. It presents itself as one of the earliest studies to study the impact of digital inclusion on sustainable higher education. The results of this study show the importance of digital inclusion in leading sustainable higher education and economic development through supporting knowledge sharing, open innovation, research collaboration, education quality, and employability of labour.
  Keywords: Digital inclusion; digital transformation; sustainability; higher education; open innovation; society 5.0.
  DOI: 10.1504/IJTLID.2025.10069010
   
  
• The Intra-Organisational Distribution of Learning Activities  
  by Feng Zhang 
  Abstract: Building upon the different knowledge search and transfer efficiency associated with a concentrated vs. an even distribution of exploration and exploitation within a firm, this article exams a largely neglected structure feature in organisational learning literature, namely the intra-organisational distribution of learning activities. Organisational structure and effective strategic behaviours are critical for firm growth and survival. This study connects learning strategy choices (i.e., an ambidexterity vs. a specialisation strategy) representing firm strategic behaviours with structural considerations (i.e., a concentrated vs. an even distribution of learning activities) in developing a framework facilitating appropriate learning mechanism choices. This study contributes to both the organisational learning and international business literature.
  Keywords: Distribution; ambidexterity; organizational learning; knowledge search and transfer.
  DOI: 10.1504/IJTLID.2025.10069153
   
  
• Unlocking the Future of Digital Finance: a Comprehensive Examination and Roadmap Through Systematic Literature and Bibliometric Analysis  
  by Ranila Suciati, Jubaedah Nawir, Jenji Gunaedi Argo 
  Abstract: This study provides a comprehensive bibliometric analysis of digital finance research, based on 1,806 publications from the Scopus database published between 1994 and 2024. Findings show a significant rise in publications, especially after 2023, reflecting the growing relevance of digital finance in both academia and practice. Leading journals like Sustainability (Switzerland) and Finance Research Letters dominate the field. Key themes identified include fintech, blockchain, innovation, and financial inclusion. The study also highlights the use of the Technology Acceptance Model (TAM) to explore user adoption of digital finance platforms. Novel to this research, the study examines the evolving intersection of digital finance, economic growth, and sustainability, areas that remain underexplored. Practically, these insights can help policymakers, financial institutions, and fintech companies develop more inclusive and efficient financial services. Future research should focus on the broader societal impact of digital finance and the continued application of TAM.
  Keywords: Digital Finance; Financial Inclusion; Financial Technology; Bibliometric Analysis; Systematic Literature Review.
  DOI: 10.1504/IJTLID.2026.10069156
   
  
• Tackling Unemployment in Developing Economies: the Role of Technopreneurship  
  by Joshua Afolabi, Olufemi A. Popoola 
  Abstract: Unemployment and its far-reaching consequences significantly challenge sustainable development, particularly in developing countries. The rise of technopreneurship, however, offers a promising pathway to address unemployment while fostering the growth of knowledge-based economies. This study examined the multifaceted nature of unemployment and explored how technopreneurship can be strategically leveraged for sustainable solutions. Findings highlight that while unemployment is a global issue, it is more acute in developing regions, which lag behind developed regions in the number of technology hubs and high-technology exports. The study underscores technopreneurship's potential to mitigate unemployment, advance Sustainable Development Goal 8, and accelerate the transition to knowledge-driven economies. Thus, the governments and other stakeholders in each country and region need to deploy strategic ways of leveraging technopreneurship to their advantage taking cues from the success stories of technology-based economies.
  Keywords: Technopreneurship; Technology; Entrepreneurship; Unemployment; Developing Economies.
  DOI: 10.1504/IJTLID.2026.10069710
   
  
• Sustainable Agriculture and Organic Farming: a Thorough Analysis through Bibliometrics and Visualisation, and Charting the Course for Future Research Direction  
  by Sujit Kumar Patra, Nisha Kumari, Sunil Kumar 
  Abstract: This research aims to conduct a bibliometric analysis to investigate the interconnection between sustainable agriculture and organic farming. The rising demand for sustainable farming, driven by contemporary environmental and health concerns, underscores the relevance of this study. Utilising the biblioshiny package in R software and Vosviewer. We analysed the Scopus database, examining 279 documents spanning from 1986 to 2023. The comprehensive overview encapsulates 143 sources, 13,057 references, 812 authors, 41 countries, an average of 23.58 citations per document, 3.08 co-authors per document, and 865 author keywords. The study reveals a noteworthy annual growth rate of 8.13%, underscoring the increasing importance of this research domain. Through performance analysis and scientific mapping, the findings underscore the pivotal role of organic farming in sustainable agriculture. This research demonstrates the efficacy of bibliometric tools in evaluating and comprehending the dynamic landscape of organic farming and sustainable agriculture literature.
  Keywords: Organic farming Sustainable agriculture Farm mechanisation Performance Analysis Bibliometric Analysis.
  DOI: 10.1504/IJTLID.2026.10069711
   
  
• Determinants of Innovation Performance among Informal Firms: Empirical Evidence from Nigeria  
  by Ilevbare Oluwatosin, David Olufemi Akindimeji 
  Abstract: This study examined the influence of age, owner's education level, and skill development activities (SDAs) on the innovative performance (IP) of 1,947 informal firms in Nigeria. Employing descriptive analysis and binary logistic regression, we assessed innovation patterns across the four activities and the probabilities of SDAs, age of business and education levels of business owners influencing both product and process innovation. Descriptive analysis reveal that Metal Fabrication and Leather Works exhibit robust innovation activities, with over 30% of businesses introducing new products and enhancing existing ones. Phone Repairs demonstrates moderate engagement, emphasizing service-oriented process improvements, while Shea Butter Production lags significantly in IP. Regression analysis reveal that SDAs significantly contribute to a higher likelihood to both types of innovation. Interestingly, the age of informal businesses did not emerge as a decisive factor in their IP. However, higher education levels among business owners were identified as positive influencers of innovation, with tertiary education showing the most significant impact. The study underscores the need for targeted policy interventions among informal firms to address resource limitations.
  Keywords: education; Nigeria; informal sector; innovation performance; skill development; product innovation and process innovation.
  DOI: 10.1504/IJTLID.2026.10069723
   
  
• 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
   
  
• Mediated and Didactic Use of ICT for the Fostering of Critical Thinking Skills: a Bibliometric Study  
  by Adriano Rodríguez-Tovar, Mauricio Hincapié-Montoya, Alejandro Valencia-Arias 
  Abstract: The proliferation of smartphones among adolescents has been particularly pronounced during the course of the pandemic, resulting in a surge in mobile learning. In Colombia, despite the common perception of smartphones as a source of distraction, educators are currently exploring methods to incorporate them into their instructional practices. This bibliometric study methodically examines two primary categories: educational mediation of ICT and didactic integration of ICT. The studys objective is to systematically review the extant scientific literature concerning the integration of technology into education, with a particular focus on adolescent smartphone use and the methods by which technology is currently being integrated into teaching practices. A systematic search was conducted in reputable databases, such as Scopus, Web of Science, and Dimensions, with articles published from 2017 to October 2023. Literature reviews, book chapters, and conference proceedings were excluded from the analysis. The analysis was carried out using various tools, including Atlas.ti, Rons Data Edit, Bibliometrix, VOSviewer, and OriginPro. The findings indicate that adolescents are generally receptive to the mediated use of smartphones in the classroom for developing various skills. Furthermore, educators have adopted didactic strategies to effectively integrate ICT into their teaching methods, fostering more interactive and engaging learning environments.
  Keywords: Educational Mediation of ICT; Didactic Integration of ICT; 21st Century Skills; Critical Thinking; Situated Learning.
  DOI: 10.1504/IJTLID.2026.10069917