Digital Financial Stewardship and Fiscal Sustainability in Higher Education Institutions: A Predictive Study Using Exploratory Factor Analysis

Allocation at minting

The anchored record

Canonical JSON (keys sorted, no spaces, UTF-8). Its SHA-256 is the hash on chain. The abstract here is gemini shortened, not the author's own text.

{"abstract":"Higher education institutions (HEIs) are adopting digital technologies to modernize financial operations amid growing financial pressures, yet empirical evidence on how financial technology (FinTech) adoption and strategic finance alignment predict fiscal sustainability is limited, especially in emerging contexts like the Philippines. This study introduces digital financial stewardship, positioning FinTech as a strategic asset for institutional resilience. A predictive-correlational quantitative design involved 40 Philippine HEIs selected via purposive sampling. Data from structured surveys and institutional reports were analyzed using descriptive statistics, exploratory factor analysis, Pearson correlation, and multiple linear regression. Variables included FinTech adoption, strategic finance alignment, and fiscal sustainability indicators (budget efficiency, cost control, revenue diversification). Findings showed strong internal consistency and validity for all constructs (Cronbach’s α > 0.80; KMO > 0.74). Correlation analysis indicated significant positive relationships between FinTech adoption, strategic finance alignment, and fiscal sustainability. Multiple regression results showed that both FinTech adoption (β = 0.562, p < .001) and strategic finance alignment (β = 0.438, p = .006) significantly predicted fiscal sustainability, explaining 53.6% of the variance. The results confirm that digital financial tools, when aligned with institutional strategy, enhance financial performance and sustainability. The study supports digital financial stewardship as a multidimensional approach integrating technology, strategy, and governance, highlighting the need for policies facilitating system integration, data-driven decision-making, and strategic financial alignment. These findings affirm that FinTech adoption and strategic finance alignment strongly predict fiscal sustainability in HEIs, demonstrating that integrating digital tools with smart financial planning enables better budget management and strengthens financial stability.","abstract_source":"gemini_shortened","authors":["Arlen Palomas"],"date":"2025-07-03","doi":"10.70838/pemj.410710","id":5713,"issue":7,"journal":{"issn":"2822-4353","name":"Psychology and Education: A Multidisciplinary Journal"},"pdf_sha256":"0ce453ee5a2b8adc00347ac4d5c57e9f30b30a352e06db2c55515492bf09f25a","schema":"scimatic-article/1","title":"Digital Financial Stewardship and Fiscal Sustainability in Higher Education Institutions: A Predictive Study Using Exploratory Factor Analysis","volume":41}

Check it yourself

1. The record, from the token's own metadata:

printf '%s' "$(curl -s https://scimatic.org/nft/articles/5713.json | jq -r .canonical_record)" | sha256sum

2. The hash stored on chain (contentHash(5713)):

curl -s https://rpc.scimatic.net -H 'content-type: application/json' \
  -d '{"jsonrpc":"2.0","id":1,"method":"eth_call","params":[{"to":"0x0E596B4bb924937aA35D9b342A90347ed6F05eF8","data":"0xf3e0c2900000000000000000000000000000000000000000000000000000000000001651"},"latest"]}'

The two must be equal (the second with a 0x in front).