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

Regular Issues

• 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
   
  
• 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
   
  
• 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
   
  
• 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
   
  
• How Innovation Ambidexterity Shapes Marketing Performance through Brand-Consumer Congruence and Perceived Value: Evidence from Cooperatives in Iran  
  by Majid Mohammad Shafiee, Shakiba Rahgozar 
  Abstract: This study examines how innovation ambidexterity influences marketing performance through the mediating roles of brandconsumer congruence and perceived value, with empirical evidence from consumer cooperatives in Iran an underexplored context in emerging markets. Using a researcher-made questionnaire and a sample of 206 customers, data were analysed via partial least squares structural equation modelling (PLS-SEM). The findings reveal that innovation ambidexterity significantly enhances both perceived value and brandconsumer congruence, which in turn positively affect marketing performance. This research contributes theoretically by integrating dynamic capabilities theory with self-congruity perspective to explain consumer-level mechanisms linking ambidextrous innovation to marketing outcomes. Empirically, it extends the literature on innovation ambidexterity to resource-constrained settings, while offering practical insights for managers and policymakers on leveraging dual innovation strategies to strengthen customer alignment, value creation, and competitive advantage in emerging economies.
  Keywords: Innovation ambidexterity; Brand-consumer congruence; perceived value; Marketing performance.
  DOI: 10.1504/IJTLID.2027.10077233
   
  
• Research and Development (R&D), Innovation, and Total Factor Productivity: Institutional Enablers in a Longitudinal Study of Ethiopian Enterprises  
  by Bekele Hundessa Delelegn, Birku Reta Entele, Tsegaye Mulugeta Habtewold 
  Abstract: This study examines how research and development (R&D) engagement affects innovation and productivity in Ethiopian businesses, using panel data from 744 firms and a generalised structural equation modelling (GSEM) approach. Results indicate that R&D investment significantly enhances both product and process innovation. However, process innovation has a short-term negative effect on productivity, especially among nonexporting and larger firms. Notably, 71% of firms that do not participate in formal R&D still report product innovation, highlighting the importance of informal knowledge and alternative innovation pathways. Institutional factors play a crucial role in shaping innovation results. Firms with government contracts, access to credit, and those offering workforce training are more likely to innovate. Export orientation and location in the capital city are also linked to a higher likelihood of innovation. Conversely, older and larger firms tend to show lower productivity gains, reflecting structural challenges in adapting to innovation. Overall, the findings reveal that innovation in resource-limited settings is driven not only by R&D expenditure but also by institutional support and firm capabilities. Policies that encourage R&D incentives, training, access to finance, and stronger public-private partnerships are vital to enhancing productivity and fostering inclusive innovation in developing economies.
  Keywords: R&D engagement; Innovation; Total Factor Productivity; export orientation; institutional support.
  DOI: 10.1504/IJTLID.2026.10077636
   
  
• Unveiling women’s financial well-being through Fintech adoption: mediating role of financial literacy, inclusion and self-efficacy  
  by Priya Gupta, Mamta Aggarwal, Meera Bamba 
  Abstract: Financial technology Access and usage have improved due to the explosive rise of financial technology, which has created new avenues for improving womens financial wellness. This study aims to investigate the influence of Fintech adoption on working womens financial well-being, focusing on the intervening role of financial literacy, inclusion and self-efficacy. Data were collected through the primary survey using a structured questionnaire among 257 working women through purposive sampling. Confirmatory factor analysis (CFA) was used to confirm the factors, and PLS-SEM was used to test the research hypothesis and the mediation effects. The findings of the study state that Fintech adoption substantially contributes to financial well-being in the context of working women, directly or indirectly through the mediating effect of inclusion, efficacy and literacy. Financial self-efficacy is the most powerful and significant of all three intervening effects, translating womens Fintech adoption into their financial well-being. The findings suggest that beyond mere access, womens knowledge and self-belief in their abilities to manage financial affairs substantially improve the extent to which they adopt Fintech and translate it into their well-being. The insights derived from the study offer valuable lessons to policymakers, Fintech providers, and development agencies in designing targeted interventions.
  Keywords: Fintech; financial literacy; financial inclusion; financial self-efficacy; financial well-being; confirmatory factor analysis; CFA.
  DOI: 10.1504/IJTLID.2026.10078124
   
  
• Bridging the policy-practice gap in innovation ecosystems: a behavioural framework for quadruple helix adoption in emerging economies  
  by Farah Atiqah Sharif, Aslan Amat Senin 
  Abstract: This paper addresses the macro-micro paradox in developing economies, where governments excel at building the infrastructure of innovation but overlook the behavioural and organisational aspects, leading to systemic stagnation. Through a systematic literature review (SLR) of 24 peer-reviewed studies, we examine the drivers of collaboration in the quadruple helix (QH) model. Our synthesis reveals a significant gap; while macro-level governance and policy incentives are well-documented, the individual behavioural micro-foundations specifically attitudes, subjective norms, and perceived control are largely neglected. To address this, we propose a multi-level framework integrating the theory of planned behaviour (TPB) into the QH model, offering a behaviourally enriched perspective for policymakers and university managers. This framework suggests that successful QH adoption requires focusing not only on structural regulation but also on cultivating the psychological readiness of actors within the innovation ecosystem.
  Keywords: quadruple helix; innovation ecosystems; theory of planned behaviour; TPB; policy-practice gap; technology management; systematic literature review; SLR.
  DOI: 10.1504/IJTLID.2027.10078125
   
  
• The Effects of Intellectual Capital and Ambidextrous Innovation on Green Product Success: the Entrepreneurial and Knowledge Management Perspectives (Evidence from PLS Approach and Fuzzy Analysis)  
  by Amina Omrane, Sunil Tiwari 
  Abstract: The present investigation aims to shed light on key drivers behind the development of successful green products in manufacturing companies in India. It specifically highlights the importance of green innovation for the ambidextrous and entrepreneurial organisations, those which are capable of developing innovative capabilities and harnessing their intellectual capital. A quantitative method was conducted and a questionnaire was administrated to 208 manufacturing Indian CEOs. A structural equation modelling (PLS-SEM) and a fuzzy-set qualitative comparative analysis (fsQCA) were therefore applied for data analysis purposes. The overall results indicate that green innovation is substantially increased in ambidextrous and entrepreneurial Indian firms that foster the innovative and intellectual skills of their employees. Moreover, findings supported the evidence that advanced digital technologies and knowledge sharing among collaborators reinforce the effects of their green innovation on the development of green attractive products. Policymakers, government deciders, as well as manufacturing leaders can learn how to transform their businesses into sustainable and environmentally-responsible corporations that are willing to sort out the environmental concerns. It also paves the way for future research directions towards green innovative movements.
  Keywords: Intellectual capital; Green entrepreneurial orientation; Ambidextrous green innovation; green Knowledge sharing; Advanced digital technologies; Green product success.