Transforming the remittance industry: Harnessing the power of blockchain technology

Christodoulou, I., Nazarian, A., Konstantoulaki, K., Rizomyliotis, I. and Bihn, D.T. 2023. Transforming the remittance industry: Harnessing the power of blockchain technology. Journal of Enterprise Information Management.

TitleTransforming the remittance industry: Harnessing the power of blockchain technology
TypeJournal article
AuthorsChristodoulou, I., Nazarian, A., Konstantoulaki, K., Rizomyliotis, I. and Bihn, D.T.
Abstract

Employing an interpretivist approach, this study investigates the potential success of blockchain technology in the remittance industry. Data was collected from blockchain experts with extensive experience, providing compelling evidence that blockchain technology is indeed revolutionizing the remittance sector.
Despite rapid growth in the global remittance sector, the cost and time associated with sending remittances remain high. While other industries have benefited from technological advancements, the remittance industry has lagged behind. Blockchain technology, renowned for its disruptive impact on emerging industries, offers a decentralized and secure mechanism for containing, storing, and managing information. By leveraging rapid block confirmations, blockchain reduces settlement times in remittance transactions and requires only a crypto wallet for transferring value between parties.
For practitioners, the analysis highlights a unanimous consensus among experts regarding the transformative potential of blockchain technology in revolutionizing the remittance industry. This consensus serves as a strong impetus for practitioners to swiftly adopt blockchain-based solutions, capitalizing on opportunities such as stable coin issuance, elimination of intermediaries in foreign exchange trading, access to liquidity, and the exploration of new business models. Proactively addressing challenges like congestion and limited reach will ensure successful integration. The implications for theorists are profound, as the study validates existing theoretical frameworks, identifies specific pain points, and explores exciting opportunities presented by blockchain technology. Finally, we provide a roadmap for future research and innovation. By bridging theory and practice, this study sets the stage for advancement, fostering knowledge, innovation, and the successful integration of blockchain technology in the remittance industry.

Keywordsblockchain technology
remittance industry
blockchain transformative potential
digital transaction fees
digital resilience
JournalJournal of Enterprise Information Management
ISSN1741-0398
Year2023
PublisherEmerald Publishing Limited
Accepted author manuscript
File Access Level
Open (open metadata and files)

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Kemp, L., Mai, L.W. and Konstantoulaki, K. 2016. Female self-gifts buying behaviour: impulse purchase and product involvement. in: Petruzzellis, L. and Winer, R.S. (ed.) Rediscovering the Essentiality of Marketing: Proceedings of the 2015 Academy of Marketing Science (AMS) World Marketing Congress Springer. pp. 129-137

Cross-National Differences in Managerial Discretion: Insights from the Middle East
Haj Youssef, M. and Christodoulou, I. 2016. Cross-National Differences in Managerial Discretion: Insights from the Middle East. British Academy of Management Conference 2016 (BAM2016). Newcastle University, Newcastle 06 - 08 Sep 2016 British Academy of Management.

Managerial Discretion in the Arab World: New National-Level Antecedents
Haj Youssef, M., Christodoulou, I. and Dassler, T. 2016. Managerial Discretion in the Arab World: New National-Level Antecedents. European Academy of Management 2016: Manageable Co-operation?. Paris 01 - 04 Jun 2016 EURAM.

The Impact of Cultural Practices on CEOs’ Discretion: New National-Level Antecedents.
Haj Youssef, M. and Christodoulou, I. 2016. The Impact of Cultural Practices on CEOs’ Discretion: New National-Level Antecedents. 7TH WORKSHOP ON TOP MANAGEMENT TEAMS AND BUSINESS STRATEGY RESEARCH. Groningen, Netherlands 07 Apr 2016

Organisational Culture As a Mediator on The Relationship Between Leadership style and Organisational Effectiveness: The Case of Iranian Private Sector Organisations
Nazarian, A. 2015. Organisational Culture As a Mediator on The Relationship Between Leadership style and Organisational Effectiveness: The Case of Iranian Private Sector Organisations. Euroasian Conference. Lisbon Jan 2015 Euroasia conference.

Value & Predictability within the RBV of the Firm: A critical review of the resource-based and related literature
Dassler, T. and Christodoulou, I. 2015. Value & Predictability within the RBV of the Firm: A critical review of the resource-based and related literature. British Academy of Management Conference 2015 (BAM2015). Portsmouth 08 - 10 Sep 2015 British Academy of Management.

Modeling the relationship between employee-based brand equity (EBBE) and perceived environmental uncertainty (PEU) on a firm’s performance: A comparative study between the UK and UAE
Poulis, A., Wisker, Z., Rizomyliotis, I. and Konstantoulaki, K. 2015. Modeling the relationship between employee-based brand equity (EBBE) and perceived environmental uncertainty (PEU) on a firm’s performance: A comparative study between the UK and UAE. 44th European Marketing Conference (EMAC). Leuven, Belgium 26 - 29 May 2015

Female Self-gifts Buying Behavior: Impulse Purchase and Product Involvement
Konstantoulaki, K., Kemp, L. and Mai, L.W. 2015. Female Self-gifts Buying Behavior: Impulse Purchase and Product Involvement. Academy of Marketing Science World Marketing Congress. Bari, Italy 14 - 18 Jul 2015

Why don't they act on it? Helping students use feedback effectively - The case study of Mega modules - BKEY401, BBUS401 and BKEY601 on improving students' feedback
Macleod, E., Williams, D., Balu, K., Patel, Z. and Christodoulou, I. 2015. Why don't they act on it? Helping students use feedback effectively - The case study of Mega modules - BKEY401, BBUS401 and BKEY601 on improving students' feedback. 5th Biannual WBS Learning and Teaching Day. University of Westminster 11 Jun 2015

Inspiring action in Learning and Teaching for MEGA modules
Christodoulou, I. and Patel, Z. Forthcoming. Inspiring action in Learning and Teaching for MEGA modules. 14th Annual Westminster Learning and Teaching Symposium. University of Westminster 18 Jun 2015

What's Missing in the National-level Managerial Discretion Dimension
Haj Youssef, M. and Christodoulou, I. 2015. What's Missing in the National-level Managerial Discretion Dimension. 6TH WORKSHOP ON TOP MANAGEMENT TEAMS AND BUSINESS STRATEGY RESEARCH. Antwerp, Belgium 26 Mar 2015

Determinants of Physicians’ Purchase Intention for Innovative Services. Integrating Professional Characteristics with Technology Acceptance Model and Theory of Planned Behaviour
Kostopoulos, G., Rizomyliotis, I. and Konstantoulaki, K. 2015. Determinants of Physicians’ Purchase Intention for Innovative Services. Integrating Professional Characteristics with Technology Acceptance Model and Theory of Planned Behaviour. International Journal of Innovation Management. 19 (2) 1550024. https://doi.org/10.1142/S1363919615500243

Impact of Organisational Size on the Relationship between Organisational Culture and Organisational Effectiveness: The Case of Small and Medium Size Organisations in Iran
Nazarian, A. 2014. Impact of Organisational Size on the Relationship between Organisational Culture and Organisational Effectiveness: The Case of Small and Medium Size Organisations in Iran. 14th International Conference on Knowledge, Culture and Change in Organisations. Said Business School, Oxford University, Oxford, UK 04 - 05 Aug 2014 Organizational culture change.

The Mediating Impact of Organisational Culture On The Relationship Between Leadership Style And Organisational Effectiveness: The Case Of Iranian Private Sector Organisations
Nazarian, A. 2014. The Mediating Impact of Organisational Culture On The Relationship Between Leadership Style And Organisational Effectiveness: The Case Of Iranian Private Sector Organisations. International Conference for Academic Disciplines 2012. Rome, Italy 29 Oct 2012 - 01 Nov 2022 IIAIC.

Impact of organisational size on the relationship between National Culture and Organisational Culture: Case of Medium and Large size organisations in Iran
Nazarian, A. 2014. Impact of organisational size on the relationship between National Culture and Organisational Culture: Case of Medium and Large size organisations in Iran. 10th The Macrotheme International Conference on Business and Social Science. Monte Carlo, Monaco 09 - 10 Mar 2014 The Macrotheme.

Organizational culture and its effect on the growth and fall of companies
Nazarian, A. 2014. Organizational culture and its effect on the growth and fall of companies. Magazine of Engineering the Development of Bazaar.

The Relationship between National Culture and Organisational Culture: Case of Medium and Large Size Organisations in Iran
Nazarian, A., Atkinson, P. and Greaves, L. 2014. The Relationship between National Culture and Organisational Culture: Case of Medium and Large Size Organisations in Iran. Macrotheme Review: a multidisciplinary journal of global macro trends. 3 (6), pp. 66-78.

Antecedents of Customer Loyalty in Emerging Economies: An Empirical Study in the Nigerian Mobile Telecommunications Sector
Konstantoulaki, K., Rizomyliotis, I., Ukpabi, I. and Kostopoulos, G. 2014. Antecedents of Customer Loyalty in Emerging Economies: An Empirical Study in the Nigerian Mobile Telecommunications Sector. 43rd Annual Conference of the European Marketing Academy (EMAC). Valencia, Spain

Business Model Adaptation to a New Digital Culture
Pisano, P., Pironti, M., Rieple, A. and Christodoulou, I. 2014. Business Model Adaptation to a New Digital Culture. Bohemia, E., Rieple, A., Liedtka, J. and Cooper, R. (ed.) 19th DMI International Design Management Research Conference Design Management in an Era of Disruption. London 02 - 04 Sep 2014 DMI.

Strategic perspectives
Christodoulou, I. and Patel, Z. 2014. Strategic perspectives. London Wiley.

The relationship between national culture and organisational effectiveness: the case of Iranian private sector organisations
Nazarian, A. and Atkinson, P. 2013. The relationship between national culture and organisational effectiveness: the case of Iranian private sector organisations. International Journal of Management and Marketing Academy. 1 (2), pp. 73-81.

The relationship between NC and OC: the case of Iranian private sector organisation
Nazarian, A. 2013. The relationship between NC and OC: the case of Iranian private sector organisation. 2nd International Conference on Economics Business and Marketing Management . Rome, Italy 24 - 25 Feb 2013 CEBMM.

The Relationship between National Culture and Organisational Culture: The Case of Iranian Private Sector Organisations
Nazarian, A., Irani, Z. and Ali, M. 2013. The Relationship between National Culture and Organisational Culture: The Case of Iranian Private Sector Organisations. Journal of Economics, Business and Management. 1 (1), pp. 11-15. https://doi.org/10.7763/JOEBM.2013.V1.3

Strategic and organisational perspectives
Patel, Z. and Christodoulou, I. 2013. Strategic and organisational perspectives. McGraw Hill Education.

The effect of involvement on the stability of the consideration set across time
Konstantoulaki, K. and Kokkinaki, F. 2013. The effect of involvement on the stability of the consideration set across time. Proceedings of tAnnual Conference of the European Marketing Academy (EMAC). Turkey, Istanbul

Re-setting the stepping stones: from personal learning to building a ‘learning organisation’. The case study of the strategic perspectives module: BKEY601 of WBS
Christodoulou, I. and Patel, Z. 2013. Re-setting the stepping stones: from personal learning to building a ‘learning organisation’. The case study of the strategic perspectives module: BKEY601 of WBS. 12th Annual Westminster Learning and Teaching Symposium. University of Westminster 4th July 2013

Re-setting the stepping stones: from personal learning to building a ‘learning organisation’. The case study of the strategic perspectives module: BKEY601 of WBS
Christodoulou, I. and Patel, Z. 2013. Re-setting the stepping stones: from personal learning to building a ‘learning organisation’. The case study of the strategic perspectives module: BKEY601 of WBS. 12th Annual Westminster Learning and Teaching Symposium. University of Westminster 4th July 2013

Re-setting the stepping stones: from personal learning to building a ‘learning organisation'. The case study of the strategic perspectives module: BKEY601 of WBS
Christodoulou, I. and Patel, Z. 2013. Re-setting the stepping stones: from personal learning to building a ‘learning organisation'. The case study of the strategic perspectives module: BKEY601 of WBS. Making technology work for us: the WBS "Blended Learning" day. University of Westminster 21st June 2013

Innovative professional services: empirical evidence on the determinants of physicians’ purchase intention
Anagnostidou, Z., Rizomyliotis, I., Kostopoulos, G. and Konstantoulaki, K. 2013. Innovative professional services: empirical evidence on the determinants of physicians’ purchase intention. Annual Conference of the European Marketing Academy (EMAC. Turkey, Istanbul

Antecedents of doctors’ purchase intention for innovative professional services: differences between commercial and educational services
Rizomyliotis, I., Kostopoulos, G. and Konstantoulaki, K. 2012. Antecedents of doctors’ purchase intention for innovative professional services: differences between commercial and educational services. International Journal of Management Cases. 14 (2), pp. 110-117.

The impact of promotion background colour on attitude and behavior
Rizomyliotis, I., Konstantoulaki, K., Kostopoulos, G. and Andrianatou, V.M. 2012. The impact of promotion background colour on attitude and behavior. Global Marketing Conference. Seoul, Republic of Korea

Antecedents of online services’ perceived usefulness: an empirical research
Kostopoulos, G., Rizomyliotis, I. and Konstantoulaki, K. 2012. Antecedents of online services’ perceived usefulness: an empirical research. International Journal of Management Cases. 14 (Sp Iss), pp. 73-81. https://doi.org/10.5848/APBJ.2012.00088

Strategic and organisational perspectives
Christodoulou, I. and Patel, Z. 2012. Strategic and organisational perspectives. McGraw Hill Education.

The influence of involvement on the size and the variety of the consideration set in different decision types
Andrianatou, V.M., Konstantoulaki, K., Rizomyliotis, I. and Kostopoulos, G. 2011. The influence of involvement on the size and the variety of the consideration set in different decision types. 40th Annual Conference of the European Marketing Academy (EMAC). Ljubljana, Slovenia

The effect of involvement on the relative size of the consideration set
Konstantoulaki, K. and Kokkinaki, F. 2009. The effect of involvement on the relative size of the consideration set. 38th European Marketing Academy Conference. Nantes, France

Involvement and consumer selectivity within and outside the consideration set
Konstantoulaki, K. and Kokkinaki, F. 2008. Involvement and consumer selectivity within and outside the consideration set. International Association for Research in Economic Psychology Conference. Rome, Italy

The role of involvement, perceived differentiation and awareness set in the descriptive properties of the consideration set, in memory-based consumer decision-making
Konstantoulaki, K. and Kokkinaki, F. 2007. The role of involvement, perceived differentiation and awareness set in the descriptive properties of the consideration set, in memory-based consumer decision-making. 36th European Marketing Academy Conference. Reykjavík, Iceland

The role of involvement and perceived differentiation in consideration set formation and descriptive properties, in memory-based and stimuli-based consumer decision-making
Konstantoulaki, K. 2006. The role of involvement and perceived differentiation in consideration set formation and descriptive properties, in memory-based and stimuli-based consumer decision-making. 35th European Marketing Academy Doctoral Colloquium. Athens, Greece

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