Mobile Customers Research Articles

Mobile Banking Services and Financial Performance of Selected Youth Enterprises in Nairobi City County, Kenya

Mobile Banking is a mobile-based technology that increases access to financial services hence aiding in the fight against poverty by facilitating productive investment and business expansion. This technology allows customers to communicate with financial institutions via a mobile phone, be it telephone or digital, which then creates information about data communications. The advantages of mobile banking, such as simplicity, accessibility, security, and usability, have led to the development of m-banking and forced commercial banks in Kenya to change their traditional way of doing business to incorporate actual transactions into their business. Using this technology, a consumer can claim a bank balance, obtain a loan, save, pay for goods and services, pay for contributions such as NHIF donations, pay salaries and bills such as electricity and water. In Kenya, there are more than 65,000 mobile money agents such as M-Pesa stores. These mobile money shops, unlike commercial banks, are distributed nationwide in rural and urban areas. Research has shown that businesses that maintain the technology barrier are very high and now accept banking services from Kenyans closed by commercial banks. The study sought to find out the results of mobile banking services and the financial performance of selected new businesses in Nairobi City County. The following objectives guided the study; check mobile banking savings services, mobile banking services, leading banking services and mobile banking transfer services with selected youth finance services for selected youth businesses in Nairobi City, Kenya. The research focused on the Mobile Banking Business Model, Technology Acceptance Model (TAM) and Theory Intermediation Theory. The study used descriptive research formats. Important data was collected through questionnaires, while the collection of secondary data on the financial performance of businesses over the past five years was done using datasheets. The validity of the questionnaires was determined prior to testing, flight studies and expert judgment, while Cronbach's Alpha assessed the reliability of the materials. The survey identified 56 managers of selected Youth businesses in Nairobi City who were managers or business owners. Descriptive statistics: mean, standard percentage deviations and quantities were used in the data analysis. Different details include correction for correction analysis. The research results were presented using tables, graphs, charts, percentages and frequencies to help simplify data comparisons and conclusions. Findings have shown that mobile banking services have a positive and visible impact on the financial performance of selected youth businesses. With the widespread use of mobile services, mobile banking is expected to continue to grow. Mobile banking gives customers an easy opportunity as it allows them to perform their duties on the go. However, there is a need to remove any existing barriers and challenges that could prevent easy access to mobile banking by customers. The study, therefore, concludes that as small businesses expand their mobile banking system, customer sensitization and training on mobile banking applications reduce threats and risks to mobile banks. This enables small businesses to attract more mobile customers to their banks and thus perform better financially.

How can airports fully embrace multimodal and interoperable mobility ecosystems to deliver sustainability goals and offer a superior passenger experience?

The future of mobility will be fundamentally different from what we know today. While demand for mobility will thrive again after the pandemic, new means of transport and new market players will shape everyday customer mobility of the 2030s and 2040s. To overcome the challenges that the mobility market of 2050 will pose, airports need to fully embrace multimodal and interoperable mobility ecosystems in order to deliver sustainability goals and offer a superior passenger experience. Using the example of Frankfurt Airport, this article addresses the complexity of a mobility landscape in flux. It will be shown how intermodality can both address sustainability demands and provide a customer-centric approach to innovation and digitalisation with regard to mobility. The purpose of this paper is to present one possible approach to the set of challenges it describes: the mobility hub. Current mobility options and customer needs are analysed and, supported by the findings of a customer survey, focus areas allowing airports to evolve towards mobility ecosystems of the future are discovered. Two main goals are identified that support the airport's transformation into a mobility hub, thus suggesting and promoting a possible best practice and providing strategic direction: quality of connectivity and quantity of means of transport. For both, suggestions for fields of action are provided that range from short to long-term strategy.

Mapping the time course of overt emotion dysregulation, self-injurious behavior, and aggression in psychiatrically hospitalized autistic youth: A naturalistic study.

Challenges with emotion dysregulation, self-injurious behavior (SIB), and aggression are common in autistic individuals. Prior research on the relationships between these behaviors is limited mainly to cross-sectional correlations of parent-report data. Understanding how emotion dysregulation, SIB, and aggression present and relate to one another in real-time could add to our understanding of the context and function of these behaviors. The present study examined the real-time occurrence and temporal relationships between these behaviors in 53 psychiatrically hospitalized autistic youth. Over 500 hours of behavioral observation occurred during everyday activities in the hospital. Start and stop times for instances of overt emotion dysregulation, SIB, and aggression were coded live using a custom mobile phone app. Results indicated large individual variability in the frequency and duration of these behaviors and their co-occurrence. Both SIB and aggression co-occurred with overt emotion dysregulation at above-chance levels, suggesting a role for emotional distress in the occurrence of these behaviors. However, there was substantial variability within and between individuals in co-occurrence, and SIB and aggression often (and for some individuals, almost always) occurred without overt emotion dysregulation. Relatedly, cross-recurrence quantitative analysis revealed that SIB and aggression preceded emotion dysregulation more often than emotion dysregulation preceded SIB and aggression. Future research, perhaps using ambulatory psychophysiological measures, is needed to understand whether emotion dysregulation may sometimes be present but not easily observed during SIB and aggression. LAY SUMMARY: This study provides insight into how overt emotion dysregulation (i.e., visible distress), aggression, and self-injury unfold in real-time for autistic individuals. Participants were 53 autistic youth staying in a psychiatric hospital. Research staff observed participants in everyday activities on the hospital unit and noted instances of aggression, self-injurious behavior, and emotion dysregulation. Results suggest that aggression and self-injury sometimes occur with visible signs of distress but also often occur without visible distress. In addition, observable distress was more common in the moments after these behaviors than in the moments before.

Wireless Technology is Easy to Use

Wireless networking is the connection of computers, digital communication devices, network equipment, and various other devices via radio waves. It is applied in places where the wired infrastructure cannot be installed or the price of introducing such a structure is too high. In addition, it has some features that are a great advantage over wired networking, such as customer mobility, easy expandability, and fast and low-cost temporary networking. Wireless technology allows us mobility and ease of use, but most users do not think about security. Users are insufficiently informed about the dangers of the Internet. Many of them do not pay attention to that and access important data such as bank accounts, e-mail, and any other contents that must be preserved and hidden. Today, there are more and more malicious actions, where hackers use various methods and technologies to attack users' accounts, bypassing all protections. Today, the issue of security is one of the priorities for every Internet user. Due to its characteristics, wireless communication is exposed to attacks due to the way they are sent, and there is a possibility of intercepting information.

Design-development of an at-home modular brain–computer interface (BCI) platform in a case study of cervical spinal cord injury

ObjectiveThe objective of this study was to develop a portable and modular brain–computer interface (BCI) software platform independent of input and output devices. We implemented this platform in a case study of a subject with cervical spinal cord injury (C5 ASIA A).BackgroundBCIs can restore independence for individuals with paralysis by using brain signals to control prosthetics or trigger functional electrical stimulation. Though several studies have successfully implemented this technology in the laboratory and the home, portability, device configuration, and caregiver setup remain challenges that limit deployment to the home environment. Portability is essential for transitioning BCI from the laboratory to the home.MethodsThe BCI platform implementation consisted of an Activa PC + S generator with two subdural four-contact electrodes implanted over the dominant left hand-arm region of the sensorimotor cortex, a minicomputer fixed to the back of the subject’s wheelchair, a custom mobile phone application, and a mechanical glove as the end effector. To quantify the performance for this at-home implementation of the BCI, we quantified system setup time at home, chronic (14-month) decoding accuracy, hardware and software profiling, and Bluetooth communication latency between the App and the minicomputer. We created a dataset of motor-imagery labeled signals to train a binary motor imagery classifier on a remote computer for online, at-home use.ResultsAverage bluetooth data transmission delay between the minicomputer and mobile App was 23 ± 0.014 ms. The average setup time for the subject’s caregiver was 5.6 ± 0.83 min. The average times to acquire and decode neural signals and to send those decoded signals to the end-effector were respectively 404.1 ms and 1.02 ms. The 14-month median accuracy of the trained motor imagery classifier was 87.5 ± 4.71% without retraining.ConclusionsThe study presents the feasibility of an at-home BCI system that subjects can seamlessly operate using a friendly mobile user interface, which does not require daily calibration nor the presence of a technical person for at-home setup. The study also describes the portability of the BCI system and the ability to plug-and-play multiple end effectors, providing the end-user the flexibility to choose the end effector to accomplish specific motor tasks for daily needs.Trial registration ClinicalTrials.gov: NCT02564419. First posted on 9/30/2015

Real Time Body Orientation Recognition for Customer Pose Orientation

Background/Purpose: One of the most significant areas in marketing is consumer position analysis. Retailers can assess the extent of client interest in the goods based on customer pose data. Due to occlusion and left-right similarity difficulties, pose estimation is problematic. We describe a CNN-based solution that includes the body orientation and visibility mask to overcome these two challenges. It provides global information about posture configuration using simple gaits in a retail setting. When a person looks to the right, for example, the left side of his or her body is hidden by the body orientation. In the same way, the person faces the camera, the right shoulder will most likely be on the image's left side. A novel Deep Neural Network design is used to merge body orientation and local joint connections. Second, the visibility mask simulates each joint's occlusion state. Because body orientation is the major source of self-occlusion, it is inextricably tied to it. Detecting an occluding object (such as a shopping cart in a retail setting) might provide give visibility mask prediction clues. Global body position, local joint connections, client mobility, and occluding obstructions are all taken into account in the final advised method. Finally, we run a number of comparison tests to see how effective our technique is. Objective: This work presents customer posture estimation, and a visibility mask to build a prototype for inner and self-occlusion. It also concentrates on local joint connections, global body orientation, and customer mobility. Methodology: The suggested technique is depicted in its entirety in Figure-2. To figure out which portion of the human picture is concealed, we employ stance markers to identify the viewable areas. The landmarks in the occlusion zone have a lower confidence score when we extract posture landmarks. As a result, it is possible to obtain visible masks incorporating occlusion information. We employ visible signs to assist the hidden individual in three ways. To begin, visible masks are utilized to detect viewable parts and to construct spatial masks that filter noise caused by occlusions. Findings/Results: The proposed method outperforms to overcome left-right similarity difficulties, the network incorporates body orientation information, and the visibility mark layers are introduced into the network to enhance the efficiency of occluded joints. Conclusion: For customer pose estimation, A novel architecture using the concepts of Deep Learning is proposed and the occluding object detection clearly provides inter-occlusion by object cues. As a result, local joint connection, the global body orientation, and occluding object and human motion. Paper Type: Research article.

Terminating Franchisees: Does It Improve Franchisor Performance?

Terminating franchisees is a challenging decision every franchisor faces, yet its effect on franchisor performance remains unknown. We examine the effect of franchisee termination on a franchisor’s profitability (i.e., return on asset) in this study. Applying agency theory to franchisee termination, we posit that termination enables a franchisor to uphold a chain’s uniformity among stores through the dual functions of enforcement and deterrence. Weighing the benefits against the costs of termination, we predict a contemporaneous effect and a long-term effect of franchisee termination on franchisor profitability. We then contextualize the contemporaneous effect of termination. We postulate the alleviating or exacerbating influences of three conditions—new franchisee addition, customer mobility, and chain maturity—that may change the importance of benefits or costs of termination. We test our predictions with multiyear census data on franchising in South Korea. The results support our predictions except for the moderating effect of customer mobility. We discuss limitations and further research directions as well as implications of the study results.

WELCOMING INDUSTRY 4.0 COMPETITION WITH SPEED UP IT DIGITIZATION

The world is constantly moving and working in order to revive the hope of improving welfare and quality of life. People’s enthusiasm for the sophistication of IT is no doubt. From this study, our highest determination is to explore how the role of economic globalization as a constructive effort to increase internet users and attract the attention of mobile phone customersin Indonesia. The analysis technique supported by multiple linear regression through three patterns including linear, semi-log (natural logarithm), and double-log (Cobb-Douglas) functions, then extra software applied with Sobel test. We collected data from The Global Economy for the period 2013-2020. We concluded that there is a direct and indirect relationship regarding objectives, hypothetical frameworks, and conceptual models. It is proven, if there is no variable that has a significant effect, because p> 0.10. From the indirect path, economic globalization also does not have a significant effect on mobile phone customers via internet users (p> 0.10). This study recommends novelties that need to be studied intensively for the sustainability of researchers in the future, where it is necessary to expand indicators outside of this text and add time-lag (long term). Last, concrete policies not only concentrated on the theoretical aspect, but smart actions based on practical outcomes that will help the government, academics, and practitioners towards all the dynamics of industry 4.0.

Implementasi Algoritma C4.5 dan Simple Additive Weight Untuk Menentukan KPI Karyawan

PT Kreatif Dinamika is the one of Microsoft's partner company that provides industrial solutions that consist of ERP and CRM, Power BI, Office 365 mobile applications and custom solutions. Every year conducts employee performance evaluation for employee who have worked at least one year to get an increase sallary. The primary idea of the Simple Additive Weighting technique is to get the full weighted value of every worker's overall performance on all of the attributes of the evaluation component. The C4.5 is an algorithm that used to create a decision tree. Decision tree is the structure division method and a famous predictions. In addition, after deretmine of weighted value of every attribute, SAW can select the good opportunity for classifications process from many alternatives. There are five standards that used for evaluation, there are Delivery On Time, Delivery on budget, Team Satisfaction, Soft Skill and Project Handled. The application of C4.5 algorithm on information explore in large amount include changed it into decision tree which could represent terms well. In the C4.5 algorithm, the choice of attributes as an evaluation could be very influential in acquiring an accuracy value cost primarily based totally at the outcomes of the ranking

Integrating the Mobile Game Item and Customer Loyalty Mileage in NFT

Some online media use the mileage system a lot. Also, many companies are generating profits using the mileage system. The mileage system was first serviced by airlines in the late 1980s, and now it has many good functions and features. Also, many industries benefit from the mileage system used by airlines in other industries. However, mileage is not being introduced in the game industry, and the service is not provided using the concept of points returned to users, which is a pure function of mileage. So, the payment system developed a lot in the mobile industry has a better and easier payment system than the current online industry. Although many mobile games are being made worldwide, there are currently many games that have a lifespan depending on the nature of the game. For increasing the lifespan of these games, games are constantly changing. However, the revenue model continues to stand still with partial fee-for-service. Therefore, it was found that the mileage system used in various fields such as internet shopping malls and airlines is good in attracting customers and increasing satisfaction through the thesis. Therefore, this study suggested a new revenue model using mileage to help extend the game’s life because it was thought that a revenue model that helps increase the game’s lifespan is needed even for the revenue model of mobile games that are standing still. In particular, this study focused on the recent issue of game items as NFTs using blockchain technology.

What drives consumers to shop on mobile devices? Insights from a Meta-Analysis

The penetration of mobile devices has reshaped consumers’ shopping journeys, drawing the attention of both scholars and practitioners. Over the last two decades, a rich strand of empirical studies across disciplines has been conducted on the factors underlying mobile shopping behavior. We provide and test a comprehensive framework for both the key drivers of consumers’ initial adoption and the continuance intention to use mobile devices for purchasing. To achieve this goal, we conduct a meta-analysis, in which we integrate the findings from the literature and apply a structural equation modeling approach. Our work builds on the existing theories (Technology Acceptance Model, Theory of Planned Behavior, and Unified Theory of Acceptance and Use of Technology) and offers an extensive understanding of the variables that shape mobile shopping behavior. Based on 207 articles, with 228 studies, 4,354 effect sizes, a total sample size of 68,944 shoppers, our findings show that mobile shopping is influenced by variables that reflect the evolution of technological innovations and the consequent improvement of the functionality and convenience of mobile devices (previous digital experience and ubiquity). Managerially, based on these findings, we provide a future research agenda and the key implications for firms to develop for a successful marketing strategy throughout the mobile customer journey. Companies should focus on both utilitarian and hedonic variables to stimulate the intention to use the mobile for the first time. In addition, to increase continuance intention to use mobile for shopping, they improve customer satisfaction, through enjoyment and the three dimensions of quality of the mobile channel.

Luxury fashion brand customers’ perceptions of mobile marketing: Evidence of multiple communications and marketing channels

Previous studies have addressed some of the issues of customers' perceptions of mobile marketing, particularly the affordances of multiple communications and channels. Despite a proliferation of studies in this field, the theoretical exploration of luxury fashion customers' perceptions of multiple mobile communications and marketing channels remains at an exploratory stage. Drawing on the elaboration likelihood model and a social constructivist perspective, the current study conducted 37 in-depth interviews with Generation Z mobile luxury customers. We specifically examined how customers' emotionally and cognitively based perceptions emerge as they navigate multiple mobile marketing channels and message communications. Our model conceptualizes four elements of customers' perceptions of their mobile marketing journey that can drive mobile customer engagement and acquisition behavior. The integrative model opens up interesting avenues for further research on mobile marketing and luxury fashion consumers’ perceptions of the effects of multiple communications and marketing channels.

Applications of Big Data in Economic Information Analysis and Decision-Making under the Background of Wireless Communication Networks

Owing to the growing volumes of mobile telecommunications customers, Internet websites, and digital services, there are more and more big data styles and types around the world. With the help of big data technology with high semantic information, this paper focuses on exploring the value and corresponding application of big data in finance. By comparing with the existing methods in terms of search speed and data volume, we can effectively see the effectiveness and superiority of the algorithm proposed in this paper. Furthermore, the algorithm proposed in this paper can provide some reference ideas for the follow-up-related research work.

Customer Mobile Behavioral Segmentation and Analysis in Telecom Using Machine Learning

ABSTRACT This study aims to identify telecom customer segments by utilizing machine learning and subsequently develop a web-based dashboard. The dashboard visualizes the cluster analysis based on demographics, behavior, and region features. The study applied analytic pipeline that involved five stages i.e. data generation, data pre-processing, data clustering, clusters analysis, and data visualization. Firstly, the customer’s dataset was generated using Faker Python package. Secondly was the pre-processing which includes the dimensionality reduction of the dataset using the PCA technique and finding the optimal number of clusters using the Elbow method. Unsupervised machine learning algorithm K-means was used to cluster the data, and these results were analyzed and labeled with labels and descriptions. Lastly, a dashboard was developed using Microsoft Power BI to visualize the clustering results in meaningful analysis. According to the results, four customer clusters were obtained. An interactive web-based dashboard called INSIGHT was developed to provide analysis of customer segments based on demographic, behavioral, and regional traits; and to devise customized query for deeper analysis. The correctness of the clustering results was evaluated and achieved a satisfactory Silhouette Score of 0.3853. Hence, the telecom could target their customers accurately based on their needs and preferences to increase service satisfaction.

Energy Efficiency Analysis of e-Commerce Customer Management System Based on Mobile Edge Computing

Energy efficiency optimization of mobile edge computing e-commerce clients and reasonable management of server computing resources are worth further study. The participant of the algorithm game model proposed in this paper is mobile e-commerce customer management. The decision space is a two-dimensional space composed of unloading decision and power control, and the benefit function is the energy efficiency function and delay function. The existence and uniqueness of the multidimensional game model are proved theoretically. The simulation results show that the proposed multidimensional game based energy efficiency optimization algorithm of mobile edge computing can reduce the energy consumption and delay of mobile terminals and improve the energy efficiency of unloading calculation under the same task compared with the game scheme without considering power consumption control when the number of e-commerce customer management is larger. This paper deduces the optimal load migration decision of mobile e-commerce customer management and the optimal pricing strategy of mobile edge cloud service providers and proves that the optimal decision and optimal pricing constitute the Starkberg equilibrium. The semidistributed and decentralized task transfer decision-making mechanisms are designed, respectively, and the management decision-making behaviors of mobile e-commerce customers in the mobile edge cloud energy trading market are studied by numerical analysis, as well as the time efficiency of the two mechanisms.

Satisfaction of mobile banking customers in Indonesia

Satisfaction of mobile banking customers in Indonesia

Mobile CRM development for real estate agents

PurposeReal estate agents are professionals who need up-to-date and accurate information about their clients in order to maintain profitable and long-lasting relationships with each of them. A satisfied customer can be very valuable and profitable in the long term. This research focuses on solving the problem of the lack of a mobile Customer Relationship Management (CRM) adapted to the needs of professionals. The importance of solving this problem is related to the importance of optimizing work and resources in a highly abundant information industry.Design/methodology/approachIt was developed of a CRM for mobile devices capable of managing information about the customers and business partners of each user, which provides a set of features well defined by the professionals. These features were collected through 15 face-to-face interviews and validated with six video conference interviews with industry specialists. For the development and evaluation of this artefact was followed the DSR methodology, corresponding each interview to an iteration of this model.FindingsFrom this research resulted a selection of functionalities considered essential to the real estate agent's work. These features were successfully implemented in a mobile application that real estate agents appreciate for its simplicity and that they feel adds real value to their daily lives. Using this service, the productivity and performance of real estate agents might be improved.Originality/valueIt was verified that the mobile CRM solution developed is a desired solution by real estate agents in terms of customer portfolio management, enhancing the evolution of their relationships and monitoring professional's performance.

Predictions from an Empirical Study in the Turkish Mobile Telecommunications Market on the Determinants of Mobile Customer Churn

Acquiring new customers compared to holding the existing ones is costlier and more troublesome for businesses, so customer retention is of great importance in today's intensely competitive environment. It is crucial in customer relations management to identify and analyse customers whose loyalty decreases and who tend to leave, and prevent churn through various methods under resource constraints. This issue is especially prominent in the mobile communication market. This paper uses a binomial logit model based on a survey with 637 mobile users in Turkey to determine the factors affecting customer churn and how they find their effect. Results indicate that, among various factors, network quality, billing, tariff level, tariff plan, and education level are the determinants affecting customer churn and associated with the intention to switch. Our findings demonstrate implications for both managers and rule-makers in the mobile telecommunications sector.

ANALISIS STRATEGI CITRA MEREK DALAM MENINGKATKAN KEPUASAN PELANGGAN OCTO MOBILE

The purpose of this study was to determine the effect of promotion, service quality, and innovation directly or indirectly on Brand Image, as well as the effect of all these variables on OCTO Mobile customer satisfaction. The research sample was 385 respondents who were CIMB Niaga customers. The sampling technique was purposive sampling—data collection using a questionnaire and FGD. The data analysis technique used Structural Equation Modeling (SEM) analysis which aided with SmartPLS software. The study results prove that the variables of service quality and innovation have a significant effect on brand image and brand image has no significant effect on customer satisfaction. However, the promotion variable does not have a significant effect on brand image. Promotion variables, service quality, and innovation significantly affect customer satisfaction, while the brand image variable has no significant effect on customer satisfaction. The results also show the customer satisfaction strategy plan by referring to the strategies from the analysis that has been done, and the right strategy is selected, namely product development.

The effects of simulated interruptions on mobile search tasks

AbstractWhile it is clear that using a mobile device can interrupt real‐world activities such as walking or driving, the effects of interruptions on mobile device use have been under‐studied. We are particularly interested in how the ambient distraction of walking while using a mobile device, combined with the occurrence of simulated interruptions of different levels of cognitive complexity, affect web search activities. We have established an experimental design to study how the degree of cognitive complexity of simulated interruptions influences both objective and subjective search task performance. In a controlled laboratory study (n = 27), quantitative and qualitative data were collected on mobile search performance, perceptions of the interruptions, and how participants reacted to the interruptions, using a custom mobile eye‐tracking app, a questionnaire, and observations. As expected, more cognitively complex interruptions resulted in increased overall task completion times and higher perceived impacts. Interestingly, the effect on the resumption lag or the actual search performance was not significant, showing the resiliency of people to resume their tasks after an interruption. Implications from this study enhance our understanding of how interruptions objectively and subjectively affect search task performance, motivating the need for providing explicit mobile search support to enable recovery from interruptions.