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Impact of fintech on performance of small and medium enterprises
(2025) Paudel, Sabita; Keshav Chand
The study was conducted to examine the impact of Fintech on performance of small
and medium enterprises. The objectives of the study was To assess the influence of
factors of Fintech on the operational efficiency of small and medium enterprises in
Kathmandu, to analyze the relationship between factors of Fintech and performance of
small and medium enterprises in Kathmandu and to examine the impact of factors of
Fintech on performance of small and medium enterprises in Kathmandu.
The study is based on descriptive research design. The population of the study are the
employee of different SMEs companies located in Kathmandu Valley. The study select
390 respondents as sample size. The study is quantitative in nature. The data collected
from primary source of data. The required primary data collected directly from the
respondents who works in SMEs in Kathmandu Valley. The data are collected through
convenience sampling technique. First of all, data are recorded in Microsoft Excel.
The recorded data are analyzed using SPSS. Different statistical tools like mean,
standard deviation, correlation analysis and multiple regression analysis are used. The
data are based on the variables (perceived usefulness, perceived ease of use, trust in
Fintech services, perceived risk and performance of small and medium enterprises).
The findings of the study showed there is positive relationship between perceived
usefulness, perceived ease of use, trust in Fintech services, perceived risk and
performance of small and medium enterprises. The study also found that there is
statistically significant impact of perceived usefulness, perceived easy to use, trust in
FinTech service on performance of small and medium enterprises. Whereas, the
findings also showed there is no significant impact of perceived risk on performance
of small and medium enterprises.
Key Words: Perceived Usefulness, Perceived Ease of Use, Trust in Fintech Services,
Perceived Risk and Performance of Small and Medium Enterprises
Factors affecting selection of life insurance companies in nepal
(2025) Angbuhang, Rubina; Indra Bahadur Bohara
This study assessed the factors influencing the selection of life insurance companies in
Nepal, addressing a critical gap in understanding consumer behavior within the country‘s
evolving insurance market. Utilizing a descriptive and causal research design, the study
explores the impact of product and premium, service quality, closeness, technology, agent
behavior, and brand image on consumer decision-making. Primary data were collected
from 384 respondents through structured questionnaires employing a five-point Likert
scale, with convenience sampling applied due to practical constraints. Descriptive
analysis, correlation, and regression analysis were conducted to assess the significance
and interrelationships of these factors. The findings reveal that service quality (r = 0.819,
β = 0.605) and closeness (r = 0.762, β = 0.391) are the most influential determinants,
followed by technology (β = 0.213), with all factors showing statistical significance (p <
0.05). Strong inter-variable correlations, notably between closeness and technology (r =
0.842), indicate a synergistic effect, suggesting that improvements in one factor enhance
others. These results imply that insurance companies should prioritize exceptional
service, foster personal connections, and leverage digital innovations to meet consumer
expectations while maintaining competitive pricing and strong brand reputation. The
study provides actionable insights for insurers to enhance market competitiveness and for
policymakers to promote financial literacy and regulatory support, fostering a consumercentric
insurance sector in Nepal. Despite limitations such as convenience sampling and a sample size of 384,
the findings offer a robust foundation for future research and strategic
development in Nepal‘s life insurance industry.
Keywords: Agent behavior, brand image, closeness, service quality, technology
Digital identity towards shared principles for public sectors enterprises
(2025) Shrestha, Rohit; Indra Bahadur Bohara
This study investigates the effectiveness of digital identity implementation (EDII) in
Nepalese public sector enterprises by examining the influence of six key factors: policy and
regulatory readiness (PRR), technological infrastructure (TI), institutional capacity and
leadership (ICL), user trust and privacy perception (UTPP), inclusiveness and accessibility
(IA), and stakeholder collaboration (SC). The primary objectives were to assess the current
implementation status of these variables, explore their interrelationships, and analyze their
impact on public trust in digital identity systems. Employing a descriptive and causal
research design, data were collected from 384 respondents in Kathmandu Valley through a
structured online questionnaire. The study used statistical techniques, including mean
analysis, correlation, and multiple regression, to examine the relationships among the
independent variables (PRR, TI, ICL, UTPP, IA, SC) and their collective effect on the
dependent variable (EDII). Findings indicate that while digital identity principles are
moderately implemented across Nepal’s public sector, technological infrastructure (TI),
institutional capacity and leadership (ICL), inclusiveness and accessibility (IA), and
stakeholder collaboration (SC) exhibit higher levels of readiness and impact compared to
policy and regulatory readiness (PRR). Correlation results demonstrate significant positive
relationships among most variables, emphasizing their interconnected role in supporting
effective digital identity implementation. Regression analysis confirms that TI, ICL, UTPP,
IA, and SC significantly enhance EDII, thereby fostering public trust in digital identity
systems. However, policy and regulatory readiness (PRR) showed a less pronounced effect
in this context. Overall, the study highlights the critical need for a comprehensive approach
that integrates technological capabilities, institutional leadership, inclusive access, and
collaborative governance to build trusted and effective digital identity frameworks. These
insights provide valuable guidance for policymakers, managers, and stakeholders striving
to improve digital identity adoption and strengthen public trust within Nepal’s public
sector.
Keywords: Digital identity implementation, policy and regulatory readiness,
technological infrastructure, institutional capacity, user trust, inclusiveness,
stakeholder collaboration, public trust