Figure 23
The network displays numerous labeled nodes represented by circles of varying sizes, connected by thin curved lines indicating relationships, forming four major color-coded clusters. At the center, the largest blue node labeled “fintech” connects outward to multiple clusters. In the upper-left blue cluster, nodes such as “big data”, “machine learning”, “competition”, “banks”, “finance”, “market”, “management”, and “risk” interconnect densely, with “big data” and “finance” appearing as larger nodes. In the left-center green cluster, nodes including “innovation”, “digital finance”, “performance”, “sustainability”, “growth”, “credit”, “china”, “efficiency”, “economic growth”, “constraints”, “co2 emissions”, and “energy” form a tightly connected web, with “innovation”, “performance”, and “digital finance” shown as larger nodes. On the right-center, a red cluster surrounds the larger node “technology”, linking to nodes such as “determinants”, “behavior”, “adoption”, “acceptance”, “information technology”, “trust”, “services”, “intention”, “model”, “user acceptance”, “financial inclusion”, “internet”, “mobile money”, and “inclusion”, all forming overlapping interconnections. Toward the upper-right, a yellow cluster includes nodes such as “blockchain”, “covid-19”, “bitcoin”, and “cryptocurrency”, connected both within the cluster and back to central nodes like “fintech”. A label at the bottom left reads, “V O S viewer”. All clusters are highly interconnected, with numerous cross-cluster links creating a dense circular structure where node size reflects relative prominence and every labeled keyword contributes to the broader thematic map.Co-occurrence network. Source: Output from VOS viewer