Vol. 12 No. 2s (2026): FinTech, Digital Banking, and Financial Inclusion in Emerging Markets (ISSN: 2208-2190)
The EPH–International Journal of Business & Management Science (IJBMS) is proud to present this Special Issue titled "FinTech, Digital Banking, and Financial Inclusion in Emerging Markets." This issue highlights the transformative role of financial technologies in reshaping banking systems, expanding access to financial services, and fostering inclusive economic growth across emerging economies. As digital innovation continues to redefine the global financial landscape, this collection of scholarly work provides timely perspectives on the opportunities, challenges, and future directions of technology-enabled financial ecosystems.
The articles published in this Special Issue examine a diverse range of contemporary themes, including financial technology, digital banking, financial inclusion, artificial intelligence in finance, digital transformation, financial literacy, consumer behaviour, sustainable finance, governance, organizational strategy, and innovation-driven business practices. Together, these contributions offer theoretical insights, empirical evidence, and practical implications that support the development of resilient, inclusive, and technology-enabled financial systems while addressing the evolving needs of businesses, financial institutions, policymakers, and society.
This Special Issue has been developed under the academic guidance of the Guest Editor in close collaboration with the Editorial Board of IJBMS. Every manuscript included in this volume underwent the journal's established editorial screening and rigorous double-blind peer-review process to ensure originality, methodological soundness, ethical research practices, and meaningful contributions to the advancement of business and management scholarship.
The Editorial Board extends its heartfelt appreciation to the Guest Editor, authors, reviewers, and editorial team for their dedication, professionalism, and invaluable support throughout the publication process. Their collective efforts have made this Special Issue a valuable scholarly resource that reflects the journal's continued commitment to publishing high-quality research addressing contemporary business and financial challenges.
We hope that the research presented in this Special Issue will encourage further academic inquiry, stimulate interdisciplinary collaboration, and contribute to informed policy formulation and strategic decision-making in the rapidly evolving domains of FinTech, digital banking, and financial inclusion across emerging markets.


