Adoption Of Mobile Technology Research Articles

Invasiveness, privacy concerns and mobile banking services technology adoption by millennials: Emerging economy perspective

Purpose: This study was conceptualised to investigate the relationships of invasiveness, privacy concerns, perceived usefulness and the adoption of mobile marketing technology by millennial banking customers in an emerging market economy.Design/methodology/approach: This was a quantitative study that targeted millennial banking service customers from an emerging market environment. The non-probability sampling approach was used, and the data were collected via a survey questionnaire. For data analysis, SPSS and SmartPLS Structural equation modeling were used.Findings/results: The results confirmed a direct relationship between privacy, invasiveness and usefulness perception. It also confirmed a direct relationship between perceived usefulness and the intention to accept mobile-marketed banking services. In addition, the results also showed that in addition to the direct impact of perceived usefulness on intention to adopt mobile marketing usage for banking services, it acts as a mediator variable.Practical implications: Academics can pursue a qualitative study to unpack the reasons for sensitivity around banking technology in emerging markets. The study should lead to better understanding of both the investigated market and others like it. Organisations will gain valuable insight for informed investment in such markets.Originality/value: The article is the first empirical investigation into the adoption of mobile-marketed banking services by millennials in a developing economy context. The study adds a valuable component to academic debates by using two independent theories to gain a holistic view of the performance of advanced technology in banking business. The study adds to the literature by also proving the mediation role of perceived technology usefulness in banking.

Improving Halal Accessibility in India: Identifying Barriers, Adopting Mobile Technology Solutions

This research paper explores the challenges faced by Muslims in accessing halal food in India and proposes a mobile application as a solution to enhance halal accessibility. The study utilizes a combination of secondary and primary research methods, including surveys and literature reviews, to investigate the prevalent issues and potential solutions. The findings reveal that the lack of awareness among non-Muslims, coupled with misconceptions about halal certification, contributes to the limited availability of halal options. Additionally, political tensions and cultural norms further hinder halal accessibility in India. To address these challenges, the paper suggests the development of a mobile application that provides users with information about halal-certified restaurants and products, as well as a platform for community engagement. The proposed app aims to empower Muslim consumers and promote inclusivity within the food ecosystem. Keywords : Halal accessibility,Mobile application,Muslim consumers,India,Challenges

A Digital Approach to Teach Synthesis Writing for a Defence University: A Needs Analysis

Synthesis writing, a critical skill for university students, involves selecting, organizing, and connecting information from multiple texts. However, many students struggle with this task, highlighting a need for effective instructional approaches. In the wake of the Covid-19 pandemic, which has reshaped educational practices, there is a pressing need to reconsider teaching methods and incorporate digital approaches to align with contemporary learning paradigms. This study investigates the necessity of developing a mobile app module for teaching synthesis writing in a defence university setting in Malaysia. Ultimately, the research poses a central question: What are the perspectives of educators in a defence university in Malaysia regarding the necessity of developing a mobile application module for teaching synthesis writing? Through semi-structured interviews with five educators, the study explores their perspectives on the importance, challenges and strategies associated with teaching synthesis writing, as well as their readiness to integrate mobile technology into instruction. Thematic analysis of the data reveals four main themes: the importance of synthesis writing, challenges in teaching synthesis writing, learning strategies employed by educators, and the readiness to adopt mobile technology for teaching synthesis writing. The findings underscore the significance of this study for mobile application designers, English language educators, and course designers, providing insights into the specific needs and preferences regarding synthesis writing instruction. Furthermore, the study contributes to both theory and practice in education by addressing the growing demand for digital tools in writing instruction and highlighting the potential of mobile applications to enhance students’ writing skills.

The Use of Mobile Technologies to Promote Physical Activity and Reduce Sedentary Behaviors in the Middle East and North Africa Region: Systematic Review and Meta-Analysis.

The Middle East and North Africa (MENA) region faces unique challenges in promoting physical activity and reducing sedentary behaviors, as the prevalence of insufficient physical activity is higher than the global average. Mobile technologies present a promising approach to delivering behavioral interventions; however, little is known about the effectiveness and user perspectives on these technologies in the MENA region. This study aims to evaluate the effectiveness of mobile interventions targeting physical activity and sedentary behaviors in the MENA region and explore users' perspectives on these interventions as well as any other outcomes that might influence users' adoption and use of mobile technologies (eg, appropriateness and cultural fit). A systematic search of 5 databases (MEDLINE, Embase, CINAHL, Scopus, and Global Index Medicus) was performed. Any primary studies (participants of all ages regardless of medical condition) conducted in the MENA region that investigated the use of mobile technologies and reported any measures of physical activity, sedentary behaviors, or user perceptions were included. We conducted a narrative synthesis of all studies and a meta-analysis of randomized controlled trials (RCTs). The Cochrane risk-of-bias tool was used to assess the quality of the included RCTs; quality assessment of the rest of the included studies was completed using the relevant Joanna Briggs Institute critical appraisal tools. In total, 27 articles describing 22 interventions (n=10, 37% RCTs) and 4 (15%) nonexperimental studies were included (n=6141, 46% women). Half (11/22, 50%) of the interventions included mobile apps, whereas the other half examined SMS. The main app functions were goal setting and self-monitoring of activity, whereas SMS interventions were primarily used to deliver educational content. Users in experimental studies described several benefits of the interventions (eg, gaining knowledge and receiving reminders to be active). Engagement with the interventions was poorly reported; few studies (8/27, 30%) examined users' perspectives on the appropriateness or cultural fit of the interventions. Nonexperimental studies examined users' perspectives on mobile apps and fitness trackers, reporting several barriers to their use, such as perceived lack of usefulness, loss of interest, and technical issues. The meta-analysis of RCTs showed a positive effect of mobile interventions on physical activity outcomes (standardized mean difference=0.45, 95% CI 0.17-0.73); several sensitivity analyses showed similar results. The trim-and-fill method showed possible publication bias. Only 20% (2/10) of the RCTs measured sedentary behaviors; both reported positive changes. The use of mobile interventions for physical activity and sedentary behaviors in the MENA region is in its early stages, with preliminary evidence of effectiveness. Policy makers and researchers should invest in high-quality studies to evaluate long-term effectiveness, intervention engagement, and implementation outcomes, which can inform the design of culturally and socially appropriate interventions for countries in the MENA region. PROSPERO CRD42023392699; https://www.crd.york.ac.uk/prospero/display_record.php?RecordID=392699.

Exploring Personality Traits’ Impact on Risk Perception in Mobile Payments

ABSTRACT The integration of mobile/smartphones into daily life represents a fundamental aspect of modern living. With the increasing number of mobile users, businesses face a critical need to offer customers the convenience of mobile phone payments. However, widespread adoption faces resistance due to perceived risks, a concern influenced by individual personalities. This study delves into how personality traits affect perceptions of risk, impacting the adoption of mobile payments. The findings provide concrete evidence of personality’s significant role in determining the intention to use mobile payment. Notably, the study reveals a correlation between traits such as openness and agreeableness with the perception of risk linked to mobile payments. Moreover, the perceived risk associated with mobile payments was found to significantly influence individuals’ intentions to use this payment channel. The study illuminates how personalities shape risk perceptions, shedding light on the vital interplay between personal traits and the adoption of mobile payment technologies.

Inequalities in Uptake and Use of Digital Applications for Home-Monitoring of Neovascular Age-Related Macular Degeneration in an Elderly Visually Impaired Population: The MONARCH Study.

To describe inequalities in the Monitoring for Neovascular Age-related Macular Degeneration Reactivation at Home (MONARCH) diagnostic test accuracy study for: recruitment; participants' ability to self-test; and adherence to testing using digital applications during follow-up. Home-monitoring vision tests included two tests implemented as software applications (apps: MyVisionTrack and MultiBit) on an iPod Touch device. Patients were provided with all hardware required to participate (iPod and MIFI device) and trained to use the apps. Regression models estimated associations of age, sex, Index of Multiple Deprivation, strata of time since first diagnosis, and baseline visual acuity at study entry on outcomes of willingness to participate, ability to perform tests, and adherence to weekly testing. A minority of patients who were approached were willing-in-principle to participate. Increasing age was associated with being unwilling-in-principle to participate. Patients from the most deprived areas had a 47% decrease in odds of being willing compared to those from the middle quintile deprived areas (odds ratio, 0.53; 95% confidence interval = 0.32, 0.88). Increasing age and worse deprivation were not consistently associated either with ability to self-monitor with the index tests, or adherence to weekly testing. Associations of increasing age and worse deprivation index were associated with unwillingness-in-principle to participate despite the provision of hardware' highlighting the potential for inequality with interventions of the kind evaluated. The clear evidence of inequalities in participation should prompt future research on ways to encourage adoption of mobile health technologies by underserved populations.

Impact of Mobile Money Technology on Sheabutter Marketing in Tolon District, Ghana

Sheabutter processing and marketing is a major traditional enterprise among women in the Northern Ghana. The use of mobile technology has increased rapidly in many developing countries including Ghana. Looking at the unique marketing and other forms of transactions among women in the shea industry, it is essential for the industry to adopt mobile technology to ensure smooth transaction and market transformation. Mobile money technology adoption and shea butter marketing among women was studied by using cross-sectional survey data from Tolon District in Northern Ghana. A total of 250 women sheabutter processors and marketers in 13 communities in the district was selected randomly in 2022. The impact of mobile money technology adoption was analyzed using the Heckman Treatment model, and revealed that the adoption of mobile money technology had positive impact on sheabutter marketing. The factors influencing mobile technology adoption were also examined using the Probit model. The study recommends that expansion of mobile technology networks, increased investment in education, provision of credit facilities to processors can improve the sheabutter business. Women processors in rural communities should be trained on how to use mobile phones to access financial services by telecommunication companies and NGOs.

Examining household effects on individual Twitter adoption: A multilevel analysis based on U.K. household survey data.

Previous studies mainly focused on individual-level factors that influence the adoption and usage of mobile technology and social networking sites, with little emphasis paid to the influences of household situations. Using multilevel modelling approach, this study merges household- (n1 = 1,455) and individual-level (n2 = 2,570) data in the U.K. context to investigate (a) whether a household economic capital (HEC) can affect its members' Twitter adoption, (b) whether the influences are mediated by the member's activity variety and self-reported efficacy with mobile technology, and (c) whether the members' traits, including educational level, gross income and residential area, moderate the relationship between HEC and Twitter adoption. Significant direct and indirect associations were discovered between HEC and its members' Twitter adoption. The educational level and gross income of household members moderated the influence of HEC on individuals' Twitter adoption.

Academic librarians’ perceptions of mobile technology’s usefulness in library service delivery at universities of technology in South Africa

PurposeGlobally, mobile technology is a significant factor influencing how libraries are changing the ways of delivering services to today’s users. This paper aims to explore academic librarians’ perceptions of the usefulness of mobile technology in delivering library services and the efforts required for its successful adoption.Design/methodology/approachThe study was conducted within an interpretive paradigm. The research objectives were underpinned by the unified theory of acceptance and use of technology as a theoretical framework. Data were collected through semi-structured interviews and analyses using NVIVO for thematic analysis.FindingsResults show that, in general, academic librarians support the use of mobile technology to provide services such as access to eBooks and Journals, Online Public Access Catalogue, Bookmyne application, information literacy consultations and training. Library managers, fellow librarians and users were identified as encouraging the adoption of mobile technology to enhance library services. The paper further confirms that the successful adoption of mobile technology requires some effort. However, due to some of the challenges presented in the study, a majority of respondents felt that their libraries are not yet ready to fully embrace mobile technology the way it is envisioned in today’s world.Practical implicationsThe study endeavours to address the divergence between students and academic librarians’ viewpoints regarding the application of mobile technology in the provision of library services.Originality/valueThis paper highlights numerous ways that academic librarians could adopt and embrace mobile technology, which can benefit both academic libraries and other institutions of higher learning. The knowledge presented in this paper could assist academic librarians in assessing their institutions’ vulnerabilities, challenges and strengths in using mobile technologies to provide library services.

Moderating Effect of Mobile Technology on the Relationship Between Health Systems Governance and Service Delivery in National Referral Hospitals in Kenya

In recent years, there is an increased attention to build formidable health systems governance to promote the highest attainable standard of health service delivery which has become a fundamental part of our human rights and of our understanding of a life in dignity. The health systems governance through the establishment of health policy has taken on increasing importance in the provision of health care services in the health institutions. The public hospitals in Kenya have weak health systems governance attributed to the existing health policy affecting quality healthcare. The current study sought to examine the moderating effect of mobile technology on the relationship between health systems governance and service delivery in National Referral Hospitals in Kenya. The study was anchored to the Contingency Leadership Theory. The study identified six categories of the target respondents, namely, 5 directors, 43 board members and 88 head of departments. The study used regression analysis to analyze the association between the variables at 0.05 level of significance. Results revealed that mobile technology positively and significantly moderated the relationship between health systems governance and service delivery in national referral hospitals in Kenya. The results support the current theories related to the study. Consequently, this study provides national referral hospitals with insights of how to improve health care service delivery through the adoption of appropriate mobile technology and health systems governance in the national referral hospitals. This could go a long way in ensuring there is improved service delivery in the national referral hospitals in Kenya. The implications of the study are that the moderating effect of mobile technology on the relationship between health systems governance and healthcare service delivery in Kenyan hospitals can lead to positive outcomes such as improved communication, data management, and patient-centered care. However, it also presents challenges that need to be carefully addressed through appropriate governance mechanisms. The successful integration of mobile technology requires a comprehensive and adaptive approach to healthcare governance in the national referral hospitals in the country.

MOBILE TECHNOLOGY ADOPTION AND ITS DIRECTION TOWARD A FUTURE CAREER IN BROADCASTING AND JOURNALISM AS A SOLO BROADCAST JOURNALIST

This paper aims to delve into the adoption of mobile technology among the university's young generation majoring in broadcasting and journalism. Further discussion will translate the mobile adoption and its direction toward the future of solo broadcasting journalism in Malaysia, respectively among them. During the pandemic covid 19, people have adapted to tremendous changes in their everyday lives. Since then, the Internet of Things and digitalisation have become new norms since they must access everything from home. In other words, technology has become essential to everyone despite their age, gender, or location. Almost everyone can broadcast and become a journalist, as long as they know and have skills in using various technologies ranging from email to web blogs to digital videos to mobile technologies to social media. In line with this modernisation, the solo broadcast journalist has also been identified as an active mobile device user to fulfil their job preference. Solo broadcasting journalism has become essential in the world of broadcast and journalism. A person who wants to work in this convergence field must have the ability and knowledge to handle all mobile technology devices alone when they have to do fieldwork. However, ability and knowledge are not the main points; other factors can motivate a person to learn and become a solo journalist. Therefore, this research explores the factors influencing the desire to use mobile devices among 200 broadcasting and journalism students at Universiti Utara Malaysia, Sintok Kedah. The present study indicates that perceived ease of use, perceived usefulness, and experience positively correlated with using mobile technologies. The study mainly contributes to mobile technologies and social media adoption among the university's young generation majoring in broadcasting and journalism to prepare for their future broadcasting and journalism careers.

New Digital Order and its Implications on Indian Family Relationships

The extensive adoption of mobile devices in India has revolutionized family communication patterns, presenting new dynamics and challenges. This study investigates the role of mobile communication in various aspects of family relationships, including parent-child interactions, marital relationships, and intergenerational dynamics. The aim is to see the evolving landscape of family relations in the digital era on family communication patterns, psychological well-being, and social connectedness. Mobile devices facilitate frequent and convenient communication, allowing family members to stay connected despite physical distances. It has also been observed to increase monitoring and supervision by parents, which may positively influence parent-child relationships. However, excessive mobile usage and dependency may lead to neglect of face-to-face interactions, resulting in reduced family interactions and communication. It is essential to explore the potential consequences of excessive mobile usage and identify strategies to promote healthy mobile communication practices within Indian families. The researcher conducted ten semi-structured interviews in a suburban housing society in Mumbai suburbs with similar socioeconomic strata. The aim was to know more about how mobile phones affect family communications. Qualitative grounded theory analysis was used to find themes and interpret results. (Creswell, 2013) The study explores the role of mobile communication in family relationships, emphasizing the need for effective management of mobile device usage within households. Setting time limits, boosting digital literacy, and encouraging family activities offline are among tactics that could help lessen the detrimental effects of mobile communication on family dynamics. Furthermore, understanding the cultural context of Indian families is crucial, as it can influence the adoption and interpretation of mobile technology within familial relationships. The research concludes that the role of mobile communication and usage in Indian family relations is a complex and multifaceted process. While mobile devices offer convenience and connectivity, their impact on family dynamics must be considered. This research abstract highlights the need for further investigation into the effects of mobile communication on different aspects of family relationships in the Indian context.

Managing food-wasting: the role of customer cooperation in influencing firms' pro-environmental behavior

PurposeFood waste is increasingly becoming a major issue for retail companies. However, there is still limited knowledge of how new forms of collaborative consumption (CC) may impact firms' behavior. This paper identifies and examines how the enablers of food waste and firms' tendency to cooperate with their customers may affect the adoption of measures oriented to diminish waste reduction, as well as the use of mobile technologies.Design/methodology/approachA empirical study has been conducted on a sample of international firms operating in the food sector as retailers (i.e. restaurants, bar and catering services) or in similar activities (i.e. hotels and accommodations). The authors tested an empirical model aimed at revealing the possible mediating role of customer cooperation in affecting the impact of food waste enablers on (1) waste recovery measures and (2) the adoption of mobile technologies for food recovery.FindingsThe results of this study showed how customer cooperation mediates the impact of food waste enablers on the intention to use mobile applications for food recovery but not on the adoption of food recovery measures that, instead, mainly depends on waste causes internal to the firm.Originality/valueThis is one of the first studies that tries to identify and evaluate the impact of the different enablers of food waste on firms' pro-environmental behaviors. Interestingly, the authors show how customer cooperation is a decisive factor to promote new forms of CC in the food industry. Importantly, customer cooperation acts as a bridge between the drivers of food waste and a firm's intention to adopt measures against it. By actively involving customers, firms can gain insights, develop effective strategies and foster a culture of waste reduction that benefits both the business and the environment.

Utilisation of mobile technologies in outreach services at the National Archives of Zimbabwe

This article focuses on investigating the utilisation of mobile technologies in outreach services at the National Archives of Zimbabwe (NAZ). The study adopted a case study strategy anchored on an interpretivist paradigm. Data were gathered from interviews with a purposively selected maximum variation sample of NAZ staff members and from relevant primary documents and physical artefacts. The collected data were thematically analysed and presented in accordance with the research objectives. The findings established that staff were aware of and keen to adopt mobile technologies for outreach purposes. However, negative conditions at NAZ such as limited access to the internet, lack of a clear policy, equipment, and technical support hindered mobile technology adoption for outreach purposes. The study established that the disparity between staff awareness levels and institutional preparedness influenced staff members’ adoption of mobile technologies outside official channels. As such, mobile technologies used in outreach services at NAZ were ad hoc. Overall, the study established that mobile technology utilisation at NAZ was in the elemental stages, where use variety, breadth and intensity were constrained. The study recommends that NAZ should craft a policy to regulate and institutionalise the use of mobile technologies for outreach purposes, and upgrade their ICT facilities.

A Modification of UTAUT2 Model Applied to the Field of Chinese University EFL Students’ Adoption of Mobile Technology-integrated Vocabulary Learning

Vocabulary learning plays an important role in English as a foreign language (EFL) learning among Chinese university students. The emergence of mobile technology provides ways for EFL vocabulary learning towards student-centered learning, but the factors that influence the adoption of this learning model by EFL university learners are not clear. In this study, the author explains the current situation of EFL vocabulary learning among Chinese college students and reviews the relevant theories of the extended Unified Theory of Acceptance and Use of Technology (UTAUT2) model. The author aims to investigate the factors influencing Chinese EFL students’ adoption of mobile technology-integrated vocabulary learning towards student-centered learning by utilizing the potential of the UTAUT2 model. The theoretical framework was modified from the original model by incorporating the additional constructs of privacy, trust, personal innovativeness, and information quality to examine their effects along with the original UTAUT2 determinants on behavioral intentions and use behavior. By exploring the influence factors of EFL students' adoption of mobile technologies using a modification of UTAUT2 model, the author hopes to promote the integration of mobile technology and English courses and contribute to the existing literature on technology acceptance.

The Adoption of Mobile Technology for Learning in Public Universities in Ogun State, Nigeria

The Adoption of Mobile Technology for Learning in Public Universities in Ogun State, Nigeria

South-western Nigerian University Students’ Gender Use of Mobile Technologies for Learning

Gender’s potential impact on the uptake of mobile learning technologies was investigated. The study sought to examine the influence of gender on attitudes and intentions toward adopting mobile technology for learning, as well as perceived utility, usability, and usefulness. The survey method was used for the investigation. A total of 1,214 respondents were chosen on purpose from 18 universities in the south-west of Nigeria, including six Federal, six State, and six Private Universities. The data were gathered using researchers’ designed questionnaire. The instrument’s dependability was determined using Cronbach Alpha to be 0.86. The first through fourth hypotheses were put to the t-test. The study’s findings showed that there was no difference between undergraduates of both sexes in terms of their attitudes (t (1, 1212) = 0.76, p = 0.45), usefulness (t (1, 1212) = 0.32, p = 0.75), perceived ease of use (t (1, 1212) = 0.86, p = 0.39) and their intention (t (1, 1212) = 0.06, p= 0.96) toward using mobile technologies for learning. The study’s conclusions show that none of the criteria (perceived usefulness, perceived ease of use, attitude, and intention) differed by gender. It follows that mobile technologies may have a significant impact on how students learn in Nigerian Universities. The study consequently advised against taking gender imbalance into account when implementing mobile-based learning in Nigeria.

Virtual healthcare solutions in heart failure: a literature review.

The widespread adoption of mobile technologies offers an opportunity for a new approach to post-discharge care for patients with heart failure (HF). By enabling non-invasive remote monitoring and two-way, real-time communication between the clinic and home-based patients, as well as a host of other capabilities, mobile technologies have a potential to significantly improve remote patient care. This literature review summarizes clinical evidence related to virtual healthcare (VHC), defined as a care team + connected devices + a digital solution in post-release care of patients with HF. Searches were conducted on Embase (06/12/2020). A total of 171 studies were included for data extraction and evidence synthesis: 96 studies related to VHC efficacy, and 75 studies related to AI in HF. In addition, 15 publications were included from the search on studies scaling up VHC solutions in HF within the real-world setting. The most successful VHC interventions, as measured by the number of reported significant results, were those targeting reduction in rehospitalization rates. In terms of relative success rate, the two most effective interventions targeted patient self-care and all-cause hospital visits in their primary endpoint. Among the three categories of VHC identified in this review (telemonitoring, remote patient management, and patient self-empowerment) the integrated approach in remote patient management solutions performs the best in decreasing HF patients' re-admission rates and overall hospital visits. Given the increased amount of data generated by VHC technologies, artificial intelligence (AI) is being investigated as a tool to aid decision making in the context of primary diagnostics, identifying disease phenotypes, and predicting treatment outcomes. Currently, most AI algorithms are developed using data gathered in clinic and only a few studies deploy AI in the context of VHC. Most successes have been reported in predicting HF outcomes. Since the field of VHC in HF is relatively new and still in flux, this is not a typical systematic review capturing all published studies within this domain. Although the standard methodology for this type of reviews was followed, the nature of this review is qualitative. The main objective was to summarize the most promising results and identify potential research directions.

Can location factors moderate the effects of the demographic composition of SME's owner managers on the rate of mobile marketing technology (MMT) adoption?

Extant scholarly inquiries focused predominantly on the influence of demographic physiognomies of SMEs' owner-managers on MMT adoption, with dearth recourse to how the proxies of location factors such as workforce diversity and knowledge centres moderate and describe such relationship. To bridge that void, opinions of 345 SMEs' owner-managers in five industries situated in the state capital and commercial nerve cities of three Geo-political zones of Nigeria were purposively sampled. The analysis involved hierarchical regression and its outcome showed that diversified workforce and enhanced knowledge centres critically moderated the extant relationship between the demographic composition (age, gender, education and experience) of owner-managers and MMT adoption. Hence, location factors are moderators of the relationship between owner/managers' demographic composition and MMT adoption. Implicit is that understanding the demographic composition of owner-managers provides industry players with strong basis for competitive advantage, as well as opportunity to proactively and tactically make decisions that relate to MMT adoption.

FinTech Adoption in SMEs and Bank Credit Supplies: A Study on Manufacturing SMEs

Bank lending to SMEs plays a vital role in economic growth, contributing significantly to employment and GDP. Access to bank lending is crucial for small- and medium-sized enterprises (SMEs), as they contribute significantly to global employment and GDP. New financial technologies promise better bank operations, fewer costs, and enhanced credit supply to SMEs. However, there is still a lack of empirical findings on how these technologies can solve demand-side bank lending problems for small- and medium-sized firms. This study gathered data from a sample of 381 respondents, comprising CEOs, managers, officers, loan managers, IT consultants, and other relevant stakeholders. The findings indicate that the adoption of blockchain technologies, as well as the adoption of Big Data technologies encompassing cloud computing, data analytics, algorithms, and programming, along with the adoption of mobile banking technologies, have had a substantial positive impact on bank credit supplies for small- and medium-sized enterprises (SMEs) in Pakistan. This novel study contributes to existing knowledge in two ways. First, it provides knowledge to SMEs looking to adopt new technologies; second, it provides knowledge to a manager looking to finance the SMEs with information asymmetries. This research also provides key findings for researchers and policymakers.