Journal of Financial Technologies (Fintech), Inclusion and Sustainability <p><strong>The Journal of Financial Technologies (Fintech), Inclusion and Sustainability (JFTIS), ISSN (P): 2959-3972 ISSN (O): 2959-3980, is an academic journal that focuses on the intersection of financial technology, financial inclusion, and sustainability. It publishes original research papers, review articles, and case studies that explore various topics related to fintech, inclusion, and sustainability, including blockchain technology, digital currencies, crowdfunding, peer-to-peer lending, robo-advisors, mobile banking, and financial literacy. JFTIS is committed to promoting high-quality research and adheres to strict ethical guidelines and standards. JFTIS also encourages interdisciplinary research, welcoming submissions from scholars in fields such as economics, finance, business, law, and engineering. The journal is open-access, published semiannually by Centre of Excellence in Inclusive and Sustainable Finance, Department of Islamic and Conventional Banking, Institute of Business, Management and Administrative Sciences, The Islamia University of Bahawalpur, Pakistan, and indexed in several academic databases, including Google Scholar. Overall, JFTIS provides a platform for academics, researchers, and practitioners to discuss and explore the latest developments, trends, and challenges in fintech, inclusion, and sustainability. JFTIS aims to contribute to the understanding and advancement of the fintech industry, financial inclusion, and sustainability, and to promote a better future for all stakeholders.</strong></p> <p><a title=" Journal Policy Guidelines" href="" target="_blank" rel="noopener"><strong> Journal Policy Guidelines</strong></a></p> CEISF, DICB, IBMAS, The Islamia University of Bahawalpur en-US Journal of Financial Technologies (Fintech), Inclusion and Sustainability 2959-3972 <p>The authors submitting and publishing in JFTIS agree to the copyright policy under Creative Commons CC-BY-NC 4.0 International license (Attribution-Non Commercial 4.0 International). Under this license, the authors published in JFTIS retain the copyright including publishing rights of their scholarly work and agree to let others remix, tweak, and build upon their work non-commercially. </p> Impact of Project Leadership on Project Success: Mediated by Project Governance and Moderated by Goal Clarity <p style="font-weight: 400;">This study investigates the connections between project leadership, governance, goal clarity, and project success in Pakistan's Civil Engineering (Private) sector. Data was collected from employees using a quantitative approach. A questionnaire was distributed to gather information on project governance, goal clarity, and project success. The results showed a strong relationship between project leadership and project success, with a robust governance framework impacting project leadership effectiveness. Goal clarity moderated the relationship, emphasising the importance of well-defined objectives. The study emphasises the critical role of project leadership in Pakistan's civil engineering sector, emphasising the importance of solid project management frameworks and clear objectives. This information is crucial for organisations and project managers seeking to improve project performance in the dynamic environment of Pakistani civil engineering projects.</p> Syeda Muniba Ali Fawad Waseem Hafiz Zeeshan Anjum Rana Muhammad Zahid Hafeez Copyright (c) 2023 Syeda Muniba Ali, Fawad Waseem, Hafiz Zeeshan Anjum, Rana Muhammad Zahid Hafeez 2023-06-30 2023-06-30 2 1 1 18 10.52461/jftis.v2i1.2066 The Impact of Behavioral and Social Biases on Investment Performance of Individual Investors: The Mediating Role of Perceived Market Efficiency In Pakistan <p style="font-weight: 400;">Behavioural finance is a philosophy that combines psychological and sociological theories with finance. The present study investigated the influence of behavioural and social components on perceived market efficiency and then, in turn, on the investment performance of individual investors. A survey method was used to gather data from the individual investor. The sample size consisted of 307 respondents. Data were analysed with the help of smart PLS and SPSS software. The finding of the study indicates that the behavioural (overconfidence and representativeness) and social (herding and social interaction) factors have a positive impact on perceived market efficiency and investment performance. This research consists of two behavioural variables and two social variables to determine the impact on investment performance. Hence this research helps practitioners and investors to upgrade their investments at the individual level.</p> Muhammad Waqas Shoaib Manzoor Fawad Waseem Muhammad Akhtar Copyright (c) 2023 Muhammad Waqas, Shoaib Manzoor , Fawad Waseem, Muhammad Akhtar 2023-06-30 2023-06-30 2 1 19 46 10.52461/jftis.v2i1.2067 The Impact of Cognitive Biases on The Investment Decision of Individual Investors: The Role of Risk Propensity <p style="font-weight: 400;">This study investigates the impact of cognitive biases on individual investors' investment decisions using the mediation role of risk propensity. Data was collected from 320 investors with a minimum of one year of experience and over a 90-day time frame. A self-administered questionnaire was used, and statistical analysis was performed using smart PLS and SPSS. The results showed that cognitive biases have a positive impact on individual investment decisions, with an indirect effect supporting the meditation model between cognitive biases and investment decisions. The indirect effect of risk propensity also positively influences cognitive biases and investment decisions. This study contributes to the mediating role of risk propensity and validates it from an individual perspective, allowing for better understanding of the relationship between cognitive biases and investment decisions. The outcomes and implications of this research are relevant for behavioral finance-related research and can help individual investors, financial institutions, and governments better understand the role of investors' behavior in the stock market.</p> Wajahat Hussain Madiha Ashiq Muneeb Ullah Qazi Mohsin Ali Copyright (c) 2023 Wajahat Hussain, Madiha Ashiq , Muneeb Ullah Qazi , Mohsin Ali 2023-06-30 2023-06-30 2 1 47 72 10.52461/jftis.v2i1.2068 The Impact of Social Media on The Success of Crowdfunding in Developing Countries <p style="font-weight: 400;">The use of online communities to garner monetary support for charitable organisations, cultural endeavours, innovative products, and business ideas is quickly becoming more widespread. However, empirical research on the main dynamics of crowdfunding is limited. To increase the number of funds for crowdfunding campaigns, it is crucial to promote and publicise them on social media platforms. This study investigates the impact of communication and connectivity on crowdfunding success. Despite the recent study that has been conducted on crowdfunding, there is still a knowledge vacuum on the aspects that contribute to the success of crowdfunding models. The research framework that was built as part of this study offers an in-depth analysis of the donation-based crowdfunding model as well as the aspects that contribute to its success. This study also provides guidance for fundraisers and policymakers to consider success factors when creating their funding comparing.</p> Hina Yousaf Syeda Muniba Ali Rana Muhammad Zahid Hafeez Madiha Ashiq Copyright (c) 2023 Hina Yousaf , Syeda Muniba Ali, Rana Muhammad Zahid Hafeez, Madiha Ashiq 2023-06-30 2023-06-30 2 1 73 86 10.52461/jftis.v2i1.2069 Transforming Financial Services: The Impact of FinTech Innovation on the Customer Adoption <p style="font-weight: 400;">This study aimed to determine the correlations between FinTech innovation, banking sector transformation, and customer adoption of FinTech-based services in Pakistan's banking sector. Data was collected from Pakistani bank employees using a quantitative research methodology. A survey questionnaire was used to gather responses on innovation in fintech, banking sector transformation, and customer uptake of fintech-based services. The results showed a strong positive correlation between FinTech innovation and customer uptake in the banking industry, which was mediated by banking sector transformation. This highlights the importance of banks altering their business models and services to effectively utilise FinTech solutions. By adopting FinTech innovations and supporting banking sector change, financial institutions can increase consumer uptake, position themselves for sustainable growth, and remain competitive in the rapidly changing financial services industry. This study provides valuable insights for banking executives and decision-makers seeking to enhance customer service and support the growth of the banking industry in innovation and resilience.</p> Muhammad Murad Brig Sohail Ahmad Copyright (c) 2023 Muhammad Murad , Brig Sohail Ahmad 2023-06-30 2023-06-30 2 1 87 98 10.52461/jftis.v2i1.2070