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_aAddatu, Hanna Belle C., Asuncion, Kyla Nicole E., Cuezon, Danna Arliam L., Dulce, Irish P., Ong, Jericho, B., Otarra, Jeremy P.
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_aAccessibility of Fintech Lending Apps reflecting the effectiveness of accounts receivable management of lending companies /
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_cAddatu, Hanna Belle C., Asuncion, Kyla Nicole E., Cuezon, Danna Arliam L., Dulce, Irish P., Ong, Jericho, B., Otarra, Jeremy P.
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_cJune 2023.46
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_axiii, 114 pp.
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_aResearch Paper: (BSBA major in Financial Management) - Pamantasan ng Lungsod ng Maynila, 2023.
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_aAbstract This study explored the relationship between lending companies' mobile app accessibility and accounts receivable efficiency to create a credit guarantee mechanism. The goal was to answer questions about business organization, asset size, employee count, years in operation, and the Fintech lending apps used. It also assessed respondents' Fintech lending apps' loan conditions, repayment facilities, cost, billing service, loan term, and loanable amount. Furthermore, the extent of conducting stages of credit analysis prior to credit decision, such as information collection and analysis, was also evaluated. Also, to know the level of adoption of risk mitigation techniques such as risk-based pricing, loan covenant, loan tenure, diversification, tightening, and credit insurance, and an open-ended question to learn if the company is adopting other precautionary measures. Considering the data after the pandemic, there is a trend as to the total number of approved against filed loan applications via Fintech apps for C.Y. 2020- 2022. Another objective to answer was the effectiveness of accounts receivable management regarding the Accounts Receivable Turnover Ratio, Collections Effectiveness Index (CEI), Days Sales Outstanding, and Average Days Delinquent. Lastly, it was to know whether there is a significant relationship between the accessibility of Fintech lending apps as per its loan features and accounts receivable management mentioned before. The null was adopted as the working hypothesis. It indicated no significant relationship exists between the accessibility of Fintech lending apps as per their loan features and the effectiveness of accounts receivable management. Moreover, the Technology Acceptance Model (TAM) underpinned the study as a theoretical framework, which primarily focused on the acceptance of technology by users. The utilization of Fintech lending applications is influenced by variables such as perceived usefulness and perceived ease of use. The researchers carried out an all-encompassing examination of pertinent theories, research, and literature to enhance and validate the study. The present study concerned the conceptual framework, wherein the independent variable being examined relates to the accessibility of Fintech lending apps. The company profile, stages of credit analysis prior to credit decisions, and credit risk mitigation techniques as intervening variables. At the same time, the dependent variable is the effectiveness of accounts receivable management. The researchers employed structured questionnaires approved by statisticians to collect information from respondents. The questionnaires were designed to gather data about the characteristics of lending organizations that utilize Fintech lending apps, their usability, credit analysis, risk mitigation techniques, the overall volume of loan applications, and the effectiveness of accounts receivable management. The returned questionnaires were then analyzed to formulate the study's results, recommendations, and outputs. The researchers arrived at the study's conclusion by examining and reviewing the collected data. In terms of the statistical analysis of data, the collected data from the test was thoroughly recorded in tables which were interpreted and analyzed appropriately based on the statistical treatment's results, in which the most used were simple percentages, Likert scales, and weighted arithmetic mean. This research also presented the decisive results of the data analysis carried out to look at the accessibility of lending companies employing Fintech lending apps and the effectiveness of accounts receivable management in the top central business districts in Metro Manila, Philippines, such as Ortigas, Makati, and Bonifacio Global City, during C.Y. 2020-2022. In this study, the researchers utilized a three-step statistical analysis process to interpret the gathered data results further. Overall, the study revealed a weak correlation between the variables of accessibility of Fintech lending apps and the level of effectiveness of accounts receivable management, including the Accounts Receivable Turnover, Collection Effectiveness Index, Days Sales Outstanding, and Average Days Delinquent. The findings revealed that the accessibility of fintech lending apps and the effectiveness of account receivables management were not found to be significantly correlated for the given variables and time period based on the provided correlation coefficients and p-values. The researchers recommended that future research explore more variables and delve deeper into the research's contextual aspects to better understand the interactions between Fintech lending apps and financial management techniques. Moreover, to identify potential problems and challenges in managing accounts receivable, it is helpful to obtain expert opinions to add another level of analysis to the established risk mitigation techniques. Future researchers should gather as many respondents as they can to guarantee the authenticity and correctness of the study's conclusions. Lastly, the study also presented several proposals regarding the credit guarantee mechanism that lending companies with Fintech lending apps can adopt in scenarios where their current technique is ineffective or needs further improvement. The first is to invest and employ artificial intelligence data analytics for information collection and analysis to increase their technical capacity. It will allow them to make informed decisions about submitted and approved borrower applications more quickly while still assessing the risk they are facing when providing risk-associated loans. The second is to fully implement risk-based pricing and credit insurance, which are necessary for lenders to employ to protect themselves from defaults and non-performing loans. The last is to have an early payment discount to incentivize its borrowers so that they will be driven to repay their loans on time or before the due date. KEYWORDS: Fintech, Fintech Lending Apps, Lending Companies, Accounts Receivable Management, Purposive-Convenience Sampling, Correlational Approach, Accessibility, Effectiveness.
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