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The article attempts to identify and systematize trends and risks in the development of the alternative lending market in the countries of the Asia-Pacific region. Alternative lending as a segment of financial technology market (Fintech) in Asia has significantly increased its share in the global market over the past 5 years. During the period from 2017 to 2018, the share of Asia-Pacific countries increased in all 4 key Fintech segments. The research methodology is based on the methods of statistical data analysis, comparative analysis and correlation analysis. As a result of the analysis, the author identifies three main trends: an increase in the level of internationalization of alternative lending, an increase in the role of large technology companies (BigTech) in providing financial services to the population, and outsourcing of storage and client data processing to third parties. Along with these trends, new emerging risks may have an impact on financial stability in Asian countries: the risk of spillover onto other participants in the financial sector, procyclicality and the risk of moral hazard for systemically important organizations, etc. The author comes to the conclusion that in order to minimize the effects of fraud risk as well as other key risks, it is worth introducing a special regime regulating alternative lending in the country.

"In today's fast-evolving digital landscape, businesses, governments, and societies are grappling with the complex challenges of digital transformation. From shifting market dynamics to integrating new technologies, the need for a comprehensive understanding of these changes has never been greater. Traditional industries, such as transport and logistics, face the daunting task of re-engineering themselves to remain competitive in a digitally driven world. Furthermore, the economic security of regions and nations is increasingly dependent on data analytics and risk assessment, making it crucial for policymakers to adapt to this new paradigm.Multidisciplinary Analysis of Digital Transformation and Global Market Dynamics offers a compelling solution to these pressing challenges. By consolidating insights and empirical findings from the GDTM conference series, this book provides a holistic understanding of the impact of digital transformation on markets globally. It dissects critical topics such as the development of transport and logistic activities in the digital age, the economic security of regions, and the digitalization of traditional industries like business and banking. Professionals in fields ranging from technology to urban planning can benefit from its examination of business models reshaping traditional industries and the role of business ecosystems in this transformative journey."--

The current study aims to examine how students' intentions to use 4.5G mobile phones are affected by the social-economic factors of performance expectancy, cost, effort expectancy, and social influence. This study is based on the perspectives of the unified theory of acceptance and use of technology (UTAUT). The central assumption of this study is that when students use 4.5G mobile services to source information at university, their academic performance is likely to improve. From eight private and public universities in Malaysia, 2117 students were enrolled in this study. We investigated the effects of gender and awareness as moderators on the relationships among the variables of interest. The findings showed that social influence and performance expectancy positively affected university students' intentions to use 4.5G mobile phones. The researchers conducted a multigroup analysis to confirm the moderating effect of gender among the underlying relationships in the model. Structural equation modeling analysis indicated that, unlike awareness, gender did not moderate social influence, effort expectancy, performance expectancy, or the cost of students' intentions to use 4.5G mobile phones. The implications of the proposed approach, considering the digital transformation concept, could be a topic for future research.