Adoption Of Services Research Articles

APPLICATION OF THE TAM MODEL AND FINANCIAL LITERACY IN QRIS DIGITAL PAYMENT DECISIONS (STUDY ON SEMARANG STATE POLYTECHNIC STUDENTS)

The rapid evolution of digital technology, especially in the digital economy and payment sector, has driven the widespread adoption of digital payment services utilizing QR Codes. The Quick Response Code Indonesian Standard (QRIS), introduced by Bank Indonesia and the Indonesian Payment System Association (ASPI) on August 17, 2019, serves as the national QR code standard, facilitating QR code-based payments across Indonesia. QRIS presently allows the acceptance of payment applications, whether from banks or non-banks, at various establishments. This study, involving 370 students from a population of 6,128, utilizes the Structural Equation Model (SEM) for analysis, demonstrating a robust fit with a GFI value surpassing 0.917. The findings reveal that TAM variables—perceived ease of use, usefulness, enjoyment, and financial literacy—significantly influence the interest in adopting QRIS for digital payments, supported by probability values below 1%.

Virtualization and Online Engineering of the Administrative Services in Universities

Virtualization and online engineering of services are emerging as key themes that will profoundly influence society and industry in the near and distant future. This paper focuses on the transformation of administrative services in universities into virtual services through online engineering. This transition presents challenges not only to universities in Bulgaria but also worldwide. Given the significant impact of technology on the daily operations of universities, it is evident that the digital divide is an issue worthy of investigation. Disparities in the adoption of online administrative services can and will lead to inconsistencies in the economic development of universities. This article aims to explore some of the challenges associated with virtualization and online engineering of administrative services in universities and offers insights into how to address them.

What are the determinants of older people adopting communicative e-health services: a meta-ethnography

BackgroundGradually, society has shifted more services online, with COVID-19 highlighting digital inequalities in access to services such as healthcare. Older adults can experience such digital inequalities, yet this group is also more likely to need medical appointments, compared to younger people. With the growing digitalisation of healthcare, it is increasingly important to understand how older people can best use communicative e-health services to interact with healthcare services. This is especially if older adults are to access, and actively interact with health professionals/clinicians due to their general health decline. This review aims to synthesise older adults’ experiences and perceptions of communicative e-health services and, in turn, identify barriers and facilitators to using communicative e-health services.MethodsA meta-ethnography was conducted to qualitatively synthesise literature on older adults’ experiences of using communicative e-health services. A systematic search, with terms relating to ‘older adults’, ‘e-health’, ‘technology’, and ‘communication’, was conducted on six international databases between January 2014 and May 2022. The search yielded a total of 10 empirical studies for synthesis.ResultsThe synthesis resulted in 10 themes that may impact older adults’ perceptions and/or experiences of using communicative e-health services. These were: 1) health barriers, 2) support networks, 3) application interface/design, 4) digital literacy, 5) lack of awareness, 6) online security, 7) access to digital devices and the internet, 8) relationship with healthcare provider(s), 9) in-person preference and 10) convenience. These themes interlink with each other.ConclusionThe findings suggest older adults’ experiences and perceptions of communicative e-health services are generally negative, with many reporting various barriers to engaging with online services. However, many of these negative experiences are related to limited support networks and low digital literacy, along with complicated application interfaces. This supports previous literature identifying barriers and facilitators in which older adults experience general technology adoption and suggests a greater emphasis is needed on providing support networks to increase the adoption and usage of communicative e-health services.

CYBERSECURITY IN BANKING: A GLOBAL PERSPECTIVE WITH A FOCUS ON NIGERIAN PRACTICES

The paper review cybersecurity practices in banking, with a specific focus on Nigerian banks. Cybersecurity has become a paramount concern in the banking industry worldwide, given the escalating frequency and sophistication of cyber threats. This study provides an overview of the global landscape of cybersecurity in banking, with a specific focus on practices observed in Nigeria. The global banking sector is witnessing a surge in digital transformation, marked by the adoption of advanced technologies and online financial services. However, this digitization brings with it unprecedented cybersecurity challenges, ranging from data breaches and ransomware attacks to sophisticated financial fraud. Financial institutions globally are compelled to fortify their cybersecurity frameworks to protect sensitive customer information, ensure the integrity of financial transactions, and maintain trust in the digital financial ecosystem. Nigeria, as a key player in the African banking landscape, faces unique cybersecurity challenges and has developed distinct strategies to safeguard its financial institutions. This study explores the cybersecurity practices employed by Nigerian banks, considering regulatory frameworks, incident response mechanisms, and collaborative efforts with international cybersecurity entities. The analysis encompasses case studies illustrating real-world cyber threats and incidents in both global and Nigerian banking contexts. It investigates the effectiveness of cybersecurity measures implemented by Nigerian banks, shedding light on the nation's response to evolving cyber risks. Furthermore, the study delves into collaborative initiatives between Nigerian banks, regulatory bodies, and international cybersecurity organizations to enhance information sharing, threat intelligence, and collective defense mechanisms. It also explores the role of public awareness campaigns in fostering a cyber-resilient banking environment. The insights provided aim to contribute to the collective understanding of cybersecurity challenges in the global banking sector while offering a nuanced perspective on Nigerian practices. As digital financial ecosystems continue to evolve, the findings underscore the importance of ongoing adaptation, collaboration, and innovation in safeguarding the integrity and trustworthiness of banking systems, both on a global scale and within the Nigerian context.
 Keywords: Cybersecurity, Banking, Global Perspective, Nigerian, Cybersecurity, Artificial Intelligence.

Adoption Of Online Payment Services Based On Perceived Risk And Customer Awareness

Adoption Of Online Payment Services Based On Perceived Risk And Customer Awareness

Interpretable Medical Imagery Diagnosis with Self-Attentive Transformers: A Review of Explainable AI for Health Care

Recent advancements in artificial intelligence (AI) have facilitated its widespread adoption in primary medical services, addressing the demand–supply imbalance in healthcare. Vision Transformers (ViT) have emerged as state-of-the-art computer vision models, benefiting from self-attention modules. However, compared to traditional machine learning approaches, deep learning models are complex and are often treated as a “black box” that can cause uncertainty regarding how they operate. Explainable artificial intelligence (XAI) refers to methods that explain and interpret machine learning models’ inner workings and how they come to decisions, which is especially important in the medical domain to guide healthcare decision-making processes. This review summarizes recent ViT advancements and interpretative approaches to understanding the decision-making process of ViT, enabling transparency in medical diagnosis applications.

Adoption mode of agricultural machinery and food productivity: evidence from China

Many researchers argue that the adoption of agricultural mechanization services (AMSs) is an important way for smallholder farmers in China to engage in modern agricultural production. However, the impact of the adoption mode of agricultural machinery on food productivity remains under-analyzed. We investigate the links between the adoption mode of agricultural machinery and food productivity using data on 795 grain farmers collected from the North China Plain. The results indicate that, compared with service outsourcing (SO), self-purchase (SP) improves the technical efficiency of farms; however, it reduces the input efficiency of agricultural machinery. The channel of the effect is that, although SO can reduce the redundancy of agricultural machinery's input, the opportunistic behavior of AMS suppliers and labor supervision problems lead to a decline in agricultural machinery's operation quality. The impact of the adoption mode of agricultural machinery on food productivity is asymmetrical among different types of farmers. Large-scale and professional farmers benefit more from SP, whereas small-scale and part-time farmers benefit more from SO. The AMS is not perfect, and the Chinese government should pay close attention to the loss of technical efficiency in agricultural production caused by the opportunistic behavior of AMS suppliers. Therefore, it is necessary to adjust the agricultural machinery subsidy policy and reduce the transaction cost of AMS.

How to bridge the last mile in agro-climate service adoption? The importance of farmers’ needs, attitudes and interpersonal relations in understanding impact pathways

AbstractClimate services can support multiple Sustainable Development Goals. However, in agricultural contexts, the “last-mile” delivery of agro-climate services (ACS) struggles with numerous barriers that prevent smallholder farmers from receiving crucial information. We sought to assess the processes by which farmers adopt ACS in order to support the scaling of ACS. We developed a procedure to serve as a rapid test to provide an overview of impact pathway relations in ACS adoption. We generated ACS adoption pathways through focus group discussions, quantified the overall adoption rate and tested relationships between factors and their causal influence on adoption. To showcase our method, we used the case study of CARE in Vietnam (CVN), a non-governmental organization attempting to improve the provision of ACS to smallholder farmers since 2015. In CVN’s projects, ACS were co-generated and subsequently delivered to farmers through structured meetings or on an ad-hoc basis in village meetings. We found that farmers who participated in structured groups were very likely to demand, access, read, discuss, understand, positively perceive and adopt ACS and recommend them to peers. About half of the farmers in non-structured groups continued to have difficulties understanding ACS. Nevertheless, these farmers still had a positive attitude toward ACS. While different impact pathways were attributed to the two groups, they still shared similar adoption rates (98%). The results suggest that adoption of ACS at a critical mass might be sufficient to trigger systemic changes within social groups and interactions between its members. Employing a pathway approach can be beneficial for designing and evaluating development interventions.

Exploring farmers’ communication pattern and satisfaction regarding the adoption of Agromet advisory services in semi-arid regions of southern India

Agriculture is significantly impacted by the variability in weather patterns, imposing substantial constraints on farmers’ ability to make informed tactical and strategic decisions regarding their crops. Seasonal climate projections have shown potential for informing agricultural decisions, but the actual adoption of climate information by farmers has been relatively slow and limited. The present study was conducted with the objective of investigating the characteristics of adopters, the communication network, and the level of farmer’s satisfaction concerning the adoption and continued use of Agromet Advisories Services (AAS). Two semi-arid districts, namely Kurnool and Anantapur in Andhra Pradesh, were purposively selected, wherein 280 farmers constituted the sampling frame. In this study, social network analysis (SNA) was conducted to examine the peer-to-peer communication patterns, while importance-performance analysis (IPA) was employed to evaluate farmer’s satisfaction, contributing to the continued adoption of AAS. The findings revealed that with regard to personality and communication characteristics, farmers were in the low category for their ability to cope with uncertainties and risk and even for their information-seeking behavior. Furthermore, the results showed farmers to be highly satisfied with the overall adoption of AAS. However, the IPA matrix revealed that among the nine attributes, the credibility of the forecasts needed refinement to promote sustained adoption. Excessive emphasis was placed on attributes such as the frequency of forecasts, which could be channeled into other initiatives. Peer-to-peer communication emerged as a crucial strategy in the adoption of AAS. Governments, non-governmental organizations, and extension functionaries should make a concerted effort to enhance the continued adoption of AAS by involving local stakeholders in sharing and participating in climate information production, forming farmer’s groups, and focusing on farmers’ literacy toward AAS.

Energy and vulnerability: Exploring the energy poverty-risky sexual behavior nexus among young women in Ghana

While recent policy agendas have extensively addressed both energy poverty and risky sexual behavior separately, little research has explored their intersection. This pioneering study investigates the relationship between energy deprivation and risky sexual behavior in female youth. Utilizing data from the Demographic and Health Survey in Ghana and employing robust methodologies, including the Lewbel two-stage regression and alternative energy deprivation thresholds, our findings reveal an 8.2–8.7% increase in the likelihood of female youth engaging in risky sexual activities for each percentage increase in energy poverty. Notably, these estimates hold consistent across different wealth terciles and location subgroups. Furthermore, we identify the number of lifetime partners as a potential mediator through which energy poverty influences risky sexual behavior. In conclusion, our study emphasizes the urgent need for policymakers to prioritize the adoption of affordable energy services, particularly among impoverished and rural households. Such efforts have the potential to mitigate the adverse effects of energy poverty on risky sexual behavior. We also advocate for the integration of energy poverty eradication strategies within reproductive and sexual health programs to foster comprehensive development and well-being.

Are Older Adults Special in Adopting Public eHealth Service Initiatives? The Modified Model of UTAUT

With rapid aging and the spread of chronic diseases, public eHealth services are helpful tools to monitor their physiological situations and develop healthy behaviors. However, the studies on older adults adopting public eHealth services have been relatively limited. We propose a modified United Theory of Acceptance and Use of Technology (UTAUT) model, considering the unique adoption patterns of older people. Our study shows that older adults adopting patterns are influenced first by social influence (SI) and facilitating conditions (FC), then influenced by performance expectancy (PE) and effort expectancy (EE). This model includes two moderating effects of performance expectancy (PE) and effort expectancy (EE) between two external constructs of social influence (SI), facilitating conditions (FC), and older adults’ behavioral intention (BI) to adopt public eHealth services. A dataset of 510 questionnaires was collected on the use of a self-monitoring telecare device (Babybot) in Hsinchu City, Taiwan. The results demonstrate that SI and FC positively influence older adults’ adoption of public eHealth services. Furthermore, PE positively moderates the relationship between FC and BI, while EE positively moderates the relationships between FC and BI, and between SI and BI. The findings reveal that PE and EE moderate SI and FC in affecting older adults’ adoption of public eHealth services. This modified UTAUT model provides insights into the unique factors that drive older adults’ adoption behavior. This study offers valuable policy and managerial implications for promoting older adults’ adoption of public eHealth services.

AI-induced anxiety in the assessment of factors influencing the adoption of mobile payment services in supply chain firms: A mental accounting perspective

This research aims to explore the impact of AI-induced anxiety on the adoption of mobile payment services in supply chain firms, viewed through the lens of Mental Accounting Theory. In an era driven by technological advancement, supply chain companies' use of mobile payment services has arisen as a crucial problem. This study is the first to investigate the complicated links between AI-induced anxiety, perceived utility, and the adoption rate of mobile payment systems using the Mental Accounting Theory as a theoretical framework. The study employs a quantitative research approach, using Smart PLS for regression analysis, and gathers its data from major supply chain business players. Our analysis offered important insights into the many aspects influencing the adoption of mobile payment services in supply chain companies. The acceptance rate was shown to be adversely connected with AI-induced anxiety and integration expenses, posing obstacles for businesses seeking to embrace mobile payment systems. In contrast, characteristics such as perceived utility, usability, confidence in security, and backing from upper management were positively connected with adoption rates. These findings provide not only theoretical contributions to the current research, but also concrete advice for supply chain practitioners seeking to exploit mobile payment systems for operational and strategic advantage.

A study on factors influencing financial literacy and fintech adoption

Financial literacy is gaining significant importance in the recent past. This leads to to the adoption of financial technology services. Current research explores to study the various factors affect the adoption of financial literacy which leading to adoption of fintech services. The research framework include factors include in the study were financial behaviour, financial attitude, financial knowledge, financial capability, financial literacy. Data were obtained form graduate and post graduate students. A total of 229 responses were received based on survey data using five point Likert scale. Findings reported that financial behaviour, financial attitude, financial knowledge and financial capability have shown a significant positive effect on financial literacy. In turn, financial exhibited a positive effect on adoption of fintech services. The results have implications for both academia and research adding to existing literature financial literacy and fintech adoption.

Consumer Attitude and Behavioural Intention towards Adoption of Online Insurance Services: An Empirical Analysis

This study focuses on the factors affecting attitudes and behavioural intentions to adopt online insurance services. The study integrated UTAUT2 constructs with external variables such as government support, perceived credibility, interactivity, and self-efficacy. A structured questionnaire was prepared to collect data through a purposive sampling technique from (420 respondents) online insurance service users, and a structural equation modelling technique was applied to analyse using Amos software version 22.0. The results revealed that performance expectancy, social influence, facilitating conditions, government support, perceived credibility, interactivity, and self-efficacy had significant positive impact on attitude and behavioural intention. Further, the study also proved that attitude has a significant impact on behavioural intention. Effort expectancy was not significantly associated with attitude or behavioural intention to use online insurance services. The mediation outcomes demonstrated that there was no evidence of an attitude-mediated relationship between government support, effort expectations, and behavioural intention. The key contribution is that attitude has been used as a mediator in the relationship between UTAUT2 constructs and behaviour intention. The integrated framework has been utilised in the adoption of online insurance services.

Adoption of financial technology services for financial inclusion

Technological advances have revolutionized financial sector leading to financial inclusion. However, there was a little focus on financial technology services in India. The present research intents to study the influences on financial technology services and the influence of fintech services on financial inclusion. Data were obtained from 258 respondents who use various fintech services. SEM was employed to analyze data. The study finds that ease of use, usefulness, trust, social influence, personal innovativeness and convenience shown a positive effect on usage beahaviour of fintech services. Further, adoption of financial technology services exerted a positive effect on financial inclusion. Present study offers implications for research and academia.

Effect of Endogenous and Exogenous variables on Customer behavioural intention in Adoption of Digital Banking Services -A Technology Acceptance Model Study in the State of Telangana

Effect of Endogenous and Exogenous variables on Customer behavioural intention in Adoption of Digital Banking Services -A Technology Acceptance Model Study in the State of Telangana

Factors affecting adoption of electronic banking services for youth in Delhi

Factors affecting adoption of electronic banking services for youth in Delhi

Measuring Digital Financial Literacy: A Comparative Analysis

In today’s digital landscape, digital financial literacy (DFL) has become a critical skill due to the widespread adoption of digital financial services. However, there remains a dearth of research on how demographic factors influence DFL, especially in developing countries like India. Understanding the influence of demographic variables on DFL is critical for evaluating and refining existing policies aimed at promoting digital financial inclusion. This study examines the influence of various demographic factors such as age, gender, marital status, employment class, employment sector, income level and education level on DFL among residents of the National Capital Territory (NCT) of India. The study, which surveyed 499 residents of the NCT, used the Kruskal-Wallis test for independent samples to analyse the data. The results reveal differences in DFL levels depending on age, gender, marital status, employment sector, income level and education. In particular, men, unmarried people, high earners, young adults and employees with a high level of education show a higher DFL level. These findings offer valuable insights for policy makers, financial institutions, and educators to develop interventions tailored to the specific needs of demographic groups to promote digital financial literacy and inclusion across India.

Impact of privacy, technology readiness, and perceived crowding on adoption of telemedicine services

Impact of privacy, technology readiness, and perceived crowding on adoption of telemedicine services

General practitioner preferences for telehealth consultations in Australia: a pilot survey and discrete choice experiment.

To identify and quantify general practitioner (GP) preferences related to service attributes of clinical consultations, including telehealth consultations, in Australia. GPs have been increasingly using telehealth to deliver patient care since the onset of the 2019 coronavirus disease (COVID-19) pandemic. GP preferences for telehealth service models will play an important role in the uptake and sustainability of telehealth services post-pandemic. An online survey was used to ask GPs general telehealth questions and have them complete a discrete choice experiment (DCE). The DCE elicited GP preferences for various service attributes of telehealth (telephone and videoconference) consultations. The DCE investigated five service attributes, including consultation mode, consultation purpose, consultation length, quality of care and rapport, and patient co-payment. Participants were presented with eight choice sets, each containing three options to choose from. Descriptive statistics was used, and mixed logit models were used to estimate and analyse the DCE data. A total of 60 GPs fully completed the survey. Previous telehealth experiences impacted direct preferences towards telehealth consultations across clinical presentations, although in-person modes were generally favoured (in approximately 70% of all scenarios). The DCE results lacked statistical significance which demonstrated undiscernible differences between GP preferences for some service attributes. However, it was found that GPs prefer to provide a consultation with good quality care and rapport (P < 002). GPs would also prefer to provide care to their patients rather than decline a consultation due to consultation mode, length or purpose (P < 0.0001). Based on the findings, GPs value the ability to provide high-quality care and develop rapport during a clinical consultation. This highlights the importance of recognising value-based care for future policy reforms, to ensure continued adoption and sustainability of GP telehealth services in Australia.