An Integrated Model of FinTech Implementation in Nigerian Microfinance Companies

Agboola, O., Adelugba, I.A., & Eze, B.U. (2023). Effect of Financial Technology on the Survival of Micro-Enterprises. International Journal of Entrepreneurial Knowledge, 11(1), 1-13. https://doi.org/10.37335/ijek.v11i1.188.
Crossref   Google Scholar

Aloulou, M., Grati, R., Al-Qudah, A.A., & Al-Okaily, M. (2024). Does FinTech adoption increase the diffusion rate of digital financial inclusion? A study of the banking industry sector. Journal of Financial Reporting and Accounting, 22(2), 289-307. https://doi.org/10.1108/JFRA-05-2023-0224.
Crossref   Google Scholar

Ammar, A., & Ahmed, E.M. (2016). Factors influencing Sudanese microfinance intention to adopt mobile banking. Cogent Business and Management, 3(1), 1154257. https://doi.org/10.1080/23311975.2016.1154257.
Crossref   Google Scholar

Barney, J. (1991). Firm Resources and Sustained Competitive Advantage. Journal of Management, 17(1), 99-120. https://doi.org/10.1177/014920639101700108.
Crossref   Google Scholar

DiMaggio, P.J., & Powell, W.W. (1983). The Iron Cage Revisited: Institutional Isomorphism and Collective Rationality in Organizational Fields. American Sociological Review, 48(2), 147-160. https://doi.org/10.2307/2095101.
Crossref   Google Scholar

Dwivedi, Y.K., Wade, M.R., & Schneberger, S.L. (2012). Informations Systems Theory: Vol. 2. Springer, 28(461). https://doi.org/10.1007/978-1-4419-6108-2.
Crossref   Google Scholar

Edo, O.C., Etu, E.E., Tenebe, I., Oladele, O.S., Edo, S., Diekola, O.A., & Emakhu, J. (2023). Fintech adoption dynamics in a pandemic: An experience from some financial institutions in Nigeria during COVID-19 using machine learning approach. Cogent Business and Management, 10(2). https://doi.org/10.1080/23311975.2023.2242985.
Crossref   Google Scholar

Ghodke, P., Katoch, S., Tarwal, S., Bedekar, P.P., Murthy, D.N., & Kaiwade, A. (2025). Best Practice Synthesis for Designing Literacy Inclusive Digital Financial Products in Microfinance Contexts. Enterprise Development and Microfinance, 35(1), 102-121. https://doi.org/10.3362/1755-1986.25-00006.
Crossref   Google Scholar

Hasan, N., Nanda, S., Agarwal, M.K., & Debnath, S.K. (2024). Evaluating the mediating effect of financial literacy between fintech adoption in microfinance services. International Journal of System Assurance Engineering and Management. https://doi.org/10.1007/s13198-024-02256-4.
Crossref   Google Scholar

Kurniasari, F., Abd Hamid, N., & Lestari, E.D. (2025). Unraveling the impact of financial literacy, financial technology adoption, and access to finance on small medium enterprises business performance and sustainability: a serial mediation model. Cogent Business and Management, 12(1), 2487837. https://doi.org/10.1080/23311975.2025.2487837.
Crossref   Google Scholar

Lawal, A.B., & Abdulkadir, J. (2023). Developing a Sustainable Financial Model for Inclusive Growth in Nigeria: Integrating Fintech Innovation and Regulatory Frameworks. Minhaj International Journal of Economics and Organization Science, 3(1), 10-23. https://doi.org/10.58932/mule0010.
Crossref   Google Scholar

Musaigwa, M., & Kalitanyi, V. (2023). Examining the leadership approaches adopted by Fintech management when implementing organizational change prompted by digital transformation. Technology Audit and Production Reserves, 4(72), 20-27. https://doi.org/10.15587/2706-5448.2023.286627.
Crossref   Google Scholar

Offiong, U.P., Ioppolo, G., & Singh, G.A. (2023). The Determinants of Fintech Implementation in Microfinance Companies - A Systematic Literature Review. Organization Review, 4(999), 169-177. https://doi.org/10.33141/po.2023.04.17.
Crossref   Google Scholar

Offiong, U.P., & Szopik-Depczyńska, K. (2024a). Analysing FinTech in Microfinance: Methodological frameworks and review Analysing FinTech in Microfinance: Methodological approaches frameworks and review of research approaches. Procedia Computer Science, 246, 802-810. https://doi.org/10.1016/j.procs.2024.09.499.
Crossref   Google Scholar

Offiong, U.P., Szopik-Depczyńska, K., Cheba, K., & Ioppolo, G. (2024b). FinTech as a digital innovation in microfinance companies – systematic literature review. European Journal of Innovation Management, 27(9), 562-581. https://doi.org/10.1108/EJIM-04-2024-0462.
Crossref   Google Scholar

Offiong, U.P., & Szopik-Depczyńska, K. (2024c). Exploring the Spectrum of FinTech Innovations Implemented in Microfinance Companies: A Comprehensive Review (Unpublished doctoral dissertation). Szczecin: Univesity of Szczecin.   Google Scholar

Offiong, U.P., Szopik-Depczyńska, K., & Cheba, K. (2025a). Determinants of FinTech Implementation in Nigerian Microfinance Companies: Insights from Employees, Customers, and Organizational Factor (Unpublished doctoral dissertation). Szczecin: Univesity of Szczecin.   Google Scholar

Offiong, U.P., Ioppolo, G., & Szopik-Depczyńska, K. (2025b). FinTech Innovations for Sustainable Development : A Comprehensive Literature Review and Future Directions. 1-13. https://doi.org/10.1002/sd.70068.
Crossref   Google Scholar

Offiong, U.P., Szopik-Depczyńska, K., & Cheba, K. (2025c). Regulatory, Technological, and Financial Drivers of FinTech Integration in Microfinance Institutions: Evidence from Nigeria (Unpublished doctoral dissertation). Szczecin: Univesity of Szczecin.   Google Scholar

Okoli, T.T., & Tewari, D.D. (2021). Does the adoption process of financial technology in africa follow an inverted U-shaped hypothesis? An evaluation of rogers diffusion of innovation theory. Asian Academy of Management Journal of Accounting and Finance, 17(1), 281-305. https://doi.org/10.21315/aamjaf2021.17.1.10.
Crossref   Google Scholar

Omowole, B.M., Urefe,O., Mokogwu, C., & Ewim, S.E. (2024). Integrating fintech and innovation in microfinance: Transforming credit accessibility for small businesses. International Journal of Frontline Research and Reviews, 3(1), 90-100. https://doi.org/10.56355/ijfrr.2024.3.1.0032.
Crossref   Google Scholar

Teece, D.J. (2018). Dynamic capabilities as (workable) management systems theory. Journal of Management and Organization, 24(3), 359-368. https://doi.org/10.1017/jmo.2017.75.
Crossref   Google Scholar

Thu, Y. (2024). Impact of Cryptocurrency Adoption on Financial Inclusion in Myanmar. Asian Journal of Computing and Engineering Technology, 5(2), 11-22. https://doi.org/10.47604/ajcet.2904.
Crossref   Google Scholar

Turner, R.J. (2007). Diffusion of innovations theory. Journal of Minimally Invasive Gynecology, 14(6), 776. https://doi.org/10.1016/j.jmig.2007.07.001.
Crossref   Google Scholar

Usman, A.Y., Halidu, S.I., & Mohammad, S.W. (2025). Impact of Fintech Adoption on Operational Resilience and Financial Inclusion Among Small and Medium Enterprises in Nigeria’s Informal Sector. International Journal of Multidisciplinary and Innovative Research, 2(5), 140-149. https://doi.org/10.58806/ijmir.2025.v2i5n02.
Crossref   Google Scholar

Usman, N., Griffiths, M., & Alam, A. (2024). FinTech and money laundering: moderating effect of financial regulations and financial literacy. Digital Policy, Regulation and Governance, 27(3), 301-326. https://doi.org/10.1108/DPRG-04-2024-0068.
Crossref   Google Scholar

Włodarczyk, B., & Szturo, M. (2016). Identification and Monitoring of Instability in Financial Systems. Olsztyn Economic Journal, 11(2), 177-188. https://doi.org/10.31648/oej.2919.
Crossref   Google Scholar