Perceptions Of Services Research Articles

Perception of educational services at public institutions

El trabajo de investigación tiene como objetivo analizar el nivel de satisfacción de los actores educativos respecto de la percepción que tienen sobre la calidad del servicio educativo que ofrecen las instituciones educativas. La metodología de la investigación se basa en un enfoque cuantitativo mediante un diseño transversal, la investigación descriptiva. La muestra de estudio se conforma de 150 docentes, 150 estudiantes y 150 padres de tres instituciones educativas públicas de la ciudad de Santo Domingo. Se aplicó una encuesta para abordar las dimensiones de la gestión escolar y se aplicó tres escalas: insatisfecho, medianamente satisfecho, insatisfecho. La técnica de análisis de datos es la estadística descriptiva por medio de SPSS. Los resultados muestran un 74% de docentes satisfechos, un 67,3% de estudiantes que dicen estar satisfechos y un 55,3% de padres de familia satisfechos. En este sentido, se demuestra que existe una satisfacción global alta de aceptación de los servicios educativos.

Persepsi Mahasiswa Jurusan Sosial Ekonomi Fakultas Pertanian Universitas Sam Ratulangi Tentang E-Commerce Melalui Facebook

This study aims to describe students' perceptions of e-commerce through Facebook. The research was conducted at during to Juni 2023. The data collected is primary data obtained from direct interviews with student of the Department of Socio-Economics Faculty of Agriculture Sam Ratulangi University. Secondary data is obtained from journals, research reports taken from the internet. The data collected of the study were analyzed by descriptif. The results showed that the perceptions on the doubling of Facebook functions as social media into e-commerce facilities received good appreciation because it made it easier and helped save time, money and energy. Student’s perceptions of using Facebook e-commerce, namely buying and selling goods through Facebook e-commerce is very easy because the transaction method is the same as using Facebook in general, so they have almost no obstacles in carrying out e-commerce activities through Facebook. Students' perceptions of e-commerce services through Facebook are very good because in conducting e-commerce activities through Facebook, buyers and sellers always prioritize friendliness and courtesy when interacting in terms of bargaining activities.

Assessing resident’s perception towards ecosystem services of urban green spaces in Delhi, India

ABSTRACT Recent rapid economic and infrastructure growth in India has led to degraded environmental conditions. Congested and densely populated urban areas have seen increased pollution, water pollution, and habitat and biodiversity loss. Urban green spaces (UGSs) are vital for improving such environmental qualities and coping with environmental challenges within cities. UGSs provide numerous tangible and intangible environmental, recreational/social, and economic benefits, also acknowledged as ecosystem services. This study assessed residents’ perceptions of UGSs ecosystem services in Delhi, India. The main objectives were to (1) understand residents’ visiting patterns of UGSs and corresponding socio-economic correlations (2) assess residents’ knowledge and perceptions of ecosystem services and disservices, and (3) ranking of ecosystem services provided by UGSs based on significance to the residents. This study is based on a survey of 620 randomly selected respondents in UGSs throughout the city. Most respondents knew about ecosystem services in UGSs and believed the ecosystem services outweighed any ecosystem disservices. The results also showed the importance of improving urban microclimate and environmental quality was emphasized. Interestingly, ecosystem services like improve mental health and aesthetic beauty rated high. The improvement of wildlife habitat, fresh water, water flow regulation & runoff mitigation and the collection of fuelwood, fruits, honey and medicine were not seen as important by the respondents. Residents more readily recognized UGSs’ direct benefits over the indirect benefits. Awareness of economic benefit was relatively high. Results from this research could help urban planners and developers to consider residents’ perceptions and expectations when designing UGSs.

Academic librarian perceptions of facilities and services for persons with visual impairments

Persons with disabilities have physical or intellectual limitations on doing things they want, especially finding information and increasing knowledge at the library. As an information center, the academic library must provide facilities and services for persons with disabilities. This study aims to analyze the perceptions of academic librarians regarding facilities and services for people with visual impairments. This study uses a qualitative approach through interviews with ten people: head librarians, librarians, functional persons in the disability service unit, and persons with visual impairments. The analysis revealed that, from the 12 conceptual themes identified in the qualitative data, the library's services remain suboptimal and essential facilities for visually impaired people are lacking. Data was gleaned through three methodologies: observation, interviews, and documentary analysis. There is no collaboration between university libraries, faculty libraries, disability service units, and students with disabilities, which affects the knowledge of the head of the library and librarians. The study concludes that the lack of accessibility and library policies for people with visual impairments and the lack of collaboration with disability service providers have impacted the librarians' professionalism.

Analysis of Student Satisfaction with Science Advisory Services During the COVID-19 Pandemic

This study aims to determine the level of student satisfaction with the services of FKIP HKBP Nommensen University thesis advisors during the Covid pandemic period 2020-2022. To obtain data on the level of student satisfaction with lecturer guidance services, an instrument was designed in the form of a student satisfaction questionnaire with lecturer guidance services using satisfaction indicators that had been assessed for validity and reliability prior to use. This type of research is descriptive quantitative, the results of the study were analyzed using the SKM method based on a student satisfaction survey. The data analysis carried out showed that the level of student satisfaction during the Covid pandemic was included in the very good and good categories. The results also show that forecasting student perceptions of lecturer guidance services with the assumption that perceptions increase, a satisfaction value of 3.5629 will be obtained in the "very good" category, and if it is assumed that it is still decreasing, the satisfaction value obtained is 3.4375, still in the the "good" category which states that the level of satisfaction of FKIP UHN students with the thesis guidance services provided by supervisors during the pandemic was still very good.

Perceptions of community mental health services among culturally diverse adult Singaporeans with major depressive disorder: A descriptive qualitative study.

Persons with major depressive disorder (PMDDs) often experience pernicious ramifications on the biopsychosocial aspects of their health. While community mental health services (CMHSs) in Singapore are increasingly leveraged to meet the escalating demand for mental healthcare, shortcomings such as a substantial treatment gap and the lack of holistic, culturally sensitive care have been highlighted. Of note, the perspectives of the service users, which have hardly been studied in the literature, are crucial to our understanding of their needs to continuously improve CMHSs. Accordingly, this qualitative descriptive study explored the perceptions and experiences of community-dwelling adults with major depressive disorder in their use of CMHSs in Singapore. Seventeen adults with major depressive disorder purposefully sampled from a CMHS providerwereinterviewed through a semi-structured guide between October and November 2021. Data analysis via Braun and Clarke's six-step thematic framework yielded five themes corresponding to three different phases: pre-CMHS encounter ((i) procrastination to seek help and (ii) factors influencing CMHS utilization); intra-CMHS encounter ((iii) incongruous perceptions of the impacts on biopsychosocial health and (iv) differing perceptions and experiences of culturally sensitive care); and post-CMHS encounter ((v) enhancing CMHSs for PMDDs based on end-users' experiences). Our findings underscore the need to improve the delivery of personalized mental healthcare services, use of settings- and culturally-specific anti-stigma strategies, and nationwide mental health literacy in symptom recognition and awareness of help-seeking resources.

Exploring the role of nature-based typologies and stewardship schemes in enhancing urban green spaces: Citizen perceptions of landscape design scenarios and ecosystem services

This research investigates the UK citizens’ perceptions of the ecosystem services (ES) created using a range of Nature-Based Solutions (NBS) in urban green spaces (UGS). The longevity of the ES derived from UGS is dependent on the effective on-going maintenance of urban landscapes, therefore this paper also gathers data on direct UGS participation specifically through the lens of civic stewardship to assess the impact of such schemes upon ES. NBS typologies were created and used, in the mixed methods study, to gauge perceptions of and preferences for alternative urban landscape design. The UGS survey collected data from 345 respondents on ES and the NBS typologies. Twelve semi-structured interviews provide qualitative data on NBS typology preferences, perceptions, and understanding of ES as well as motivations behind civic engagement in UGS in the UK. Stewardship programmes were found to increase community resilience by providing additional ES. The results showed a preference for integrating complex, multifunctional UGS into the fabric of urban centres to ensure accessibility and to maximise engagement. More complex NBS typologies were perceived to provide additional ES when compared with traditional monoculture mown grass and shrub amenity planting. Mixed native planting and Tiny Forest NBS typologies were perceived as providing more provisioning, cultural, regulating, and supporting ES. Considering both UK citizens' perceptions of the ES gained from alternative NBS and stewardship schemes in UGS represents a holistic approach that can improve the design and management of NBS in cities. This study is the first to explore both concepts in the UK and suggests a holistic UGS approach to address urban challenges, including those related to Climate Change.

Public Opinion On Agrotourism Of Nglinggo Tea Gardens In Pagerharjo Village, Kulon Progo

Agrotourism is a way of combination between agriculture and tourism package, in the purpose to attract more visitors. An agrotourism needs opinions from the public tourists regarding the perception of conditions, facilities and services. It is an important aspect to put as a consideration in taking the policy for future agrotourism development. This research was carried out in the agrotourism of the Nglinggo Tea Gardens in Pagerharjo Village, Samigaluh Subdistrict, Kulon Progo Regency. The aims of this research are (1) to identify public opinion about the agritourism of Nglinggo Tea Gardens and (2) to analyze the factors influencing the public opinion. The method uses a quantitative method with a descriptive approach. The samples of this research apply systematic random sampling, while the number of samples is 60 respondents. The results show that public opinion on agritourism of Nglinggo Tea Gardens is 73.56%, meaning the public opinion about Nglinggo was good. Then, public opinion is significantly influenced by the level of education of the visitors, the place of origin of the visitors, and social media.

Monitoring the Quality and Perception of Service in Colombian Public Service Companies with Twitter and Descriptive Temporal Analysis

The main goal of this research is to analyze the perception of service in public sector companies in the city of Bogota via Twitter and text mining to identify areas, problems, and topics aiming for quality service improvement. To achieve this objective, a structured method for data modeling is implemented based on the KDD methodology. Tweets from January to June 2022 related to the companies in the sector are processed, and a temporal analysis of the evolution of sentiment is performed based on the dictionaries Bing, AFINN, and NRC. Subsequently, the LDA algorithm (Latent Dirichlet Allocation algorithm) is used to visually identify the topics with the greatest negative impact reported by the users in each of the 6 months by adding the temporal dimension. The results revealed that, for Aqueduct (water supply service), the topic with the highest dissatisfaction is related to the “Water Tank Request” processes; for Enel (energy services) “Service Outages”; and for Vanti (gas services), “Case solution and request information”. Temporal patterns of tweets, sentiments, and topics are also highlighted for the three companies.

Technology Services Perception and Behavioral biases of Promotion in Consumer paradox towards Generation Z: Evidence from Emerging Market

Technology Services Perception and Behavioral biases of Promotion in Consumer paradox towards Generation Z: Evidence from Emerging Market

Analysis of Service User Perceptions of Services at the Kuala Tungkal Ferry Port

The Kuala Tungkal Ferry Port is located in Tungkal I Village, Tungkal Ilir District, Tanjung Jabung Barat Regency, Jambi Province. Kuala Tungkal Ferry Port is a ferry port organized by the Department of Transportation of West Tanjung Jabung Regency. The Kuala Tungkal Ferry Port serves two routes, namely the pioneering Kuala Tungkal - Dabo Singkep route and the Kuala Tungkal - Telaga Punggur commercial route. Based on the results of the survey in the field, it was found that several services for service users had not been carried out properly, such as the unavailability of evacuation route instructions, evacuation gathering points and emergency telephone numbers, unavailability of port plans/layouts, inappropriate breastfeeding mother room facilities and passenger lane facilities. (gangway) pedestrians and vehicles that have not been separated.
 This study uses the Customer Statisfaction Index method to determine the level of overall service use satisfaction by looking at the level of importance of service facility instruments, Gap Performance - Importance to determine the gap between service user expectations and perceived service quality and Importance Performance Analysis Quadrant Mapping for to find out the attributes that are the main priorities for improving service quality.
 Based on the results of the analysis of the Customer Statisfaction Index, the satisfaction index of service users is 69.74% and is included in the satisfied category. Based on the results of the Gap Performance-Importance analysis, the highest gap value is (-1.32) on the attribute of a telephone number sticker for complaints of security disturbances so that passengers can submit complaints about security at the port. Based on the results of the Importance Performance Analysis Quadrant Mapping analysis, there are 7 attributes that are in quadrant I as the main priority for improvement so that the level of satisfaction of service users can increase.

Development of a Questionnaire to Measure Public Perceptions of the Role of Community Pharmacy in Public Health (PubPharmQ).

Community pharmacies are well placed to provide public-health interventions within primary care settings. This study aimed to establish the general public's perceptions of community pharmacy-based public-health services in the UK by designing a structured questionnaire to assess the barriers and facilitators to optimizing this role. A standardized questionnaire was developed informed by the literature, additional semi-structured interviews, and synthesis of key findings with the authors' previous research based on data generated from eight focus groups. The original 42-item questionnaire was distributed online from May to June 2021 via social media platforms to capture the views of non-regular pharmacy users. Following exploratory factor analysis, and Cronbach's alpha analysis, total Likert scale response scores were calculated. Of the 306 responders, 76.8% were female with a mean age of 34.5 years (SD = 15.09). The most prevalent pharmacy use reported was 1-2 times a year (28.1%). Exploratory factor analysis revealed four scales: Expertise, Role in Public Health, Privacy, and Relationship (18 items) with acceptable internal consistency and good face and content validity. Awareness of well-established pharmacy services was high; however, responders demonstrated poor awareness of public-health-related services and low recognition of pharmacy expertise for this role. A lack of an established relationship with community pharmacies and privacy concerns were also perceived barriers. Based on these findings, considerable effort is needed to increase public awareness and address these concerns if strategic plans to utilize community pharmacy in the delivery of public-health policy are to be successful. The PubPharmQ provides a novel, structured questionnaire to measure the public's perceptions of community pharmacy's role in public health.

Perspectives and Experiences of Eight Latina Mothers of Young Children With Augmentative and Alternative Communication Needs

Purpose: The purpose of this study was to examine the perceptions of eight Latina mothers on early augmentative and alternative communication (AAC) services for their young children, including their decision-making process, and knowledge of AAC. The ultimate goal is to help professionals develop culturally responsive and family-centered education and training programs to facilitate AAC intervention for Latinx parents with young children who benefit from AAC. Method: The method involved in-person semistructured interviews conducted in Spanish at the mothers' homes or preferred locations, which were then video-recorded, transcribed verbatim, and translated to English. Transcripts were analyzed through a process consisting of coding, identifying themes, constructing thematic networks, summarizing thematic networks, and interpreting patterns. Results: Mothers' perceptions of early intervention services revealed a lack of knowledge about AAC, unquestioned acceptance of early intervention services, and gratitude for receiving these services. They also reported having received minimal training in AAC and expressed a desire to receive additional training. The decision-making process was matriarchal with professionals serving as the primary informants of services to be received. Discussion: This investigation adds to the existing literature by providing insight into Latinx parental perceptions of AAC, their decision-making process, and the types of training they prefer. The study highlights the importance of providing Latina mothers with meaningful opportunities to participate in the early intervention process related to the communication and language needs of their children. To establish trust, professionals should communicate clearly, accurately, and straightforwardly. Additionally, a family-centered approach rooted in the language and culture is crucial. Professionals can achieve this by providing culturally and linguistically accessible training, learning about the family's specific values and beliefs regarding AAC, and facilitating their learning so that AAC is achievable and practical. Supplemental Material: https://doi.org/10.23641/asha.24059043

DESIGN AND ORGANIZATION OF AN INTERPROFESSIONAL NETWORK FOR HOME MANAGEMENT OF PATIENTS IMPLEMENTED DURING COVID-19 PANDEMIC AT ASL NAPOLI 2 NORD, SUITABLE ALSO IN THE DAILY MANAGEMENT OF CHRONIC PATIENTS LIVING IN THE SAME AREA

Introduction: The Coronavirus SARS-CoV-2 pandemic has altered the perception of the current National Health Service (SSN). On one hand, the importance of a free and always accessible SSN for everyone has been strengthened. On the other hand, the fragility of a system with a too specialized and hospital-centered approach has become evident. In the pandemic context, the need to reverse the model by focusing on the needs of the community has become clear, with the main aim of promoting home-based management as much as possible for both chronic and acute conditions. This can be achieved through the creation of an integrated network involving all stakeholders in the care and assistance process, utilizing new technologies and telemedicine systems.Materials and Methods: The aim of this activity was to delve into an integrated network model for home care of Covid patients, within ASL Napoli 2 Nord. This model utilizes interconnected and functionally integrated structures and nodes, with defined pathways and operational procedures based on dedicated telemedicine platforms. These platforms facilitate the comprehensive management and care of Covid-19 patients by all network stakeholders. Results were monitored using specific and dedicated indicators, collecting and analysing data from the period when the care of positive Covid patients began (November 2020), whose management did not require hospitalization.Results: From November 2020 to December 2021, the number of patients living in the ASL Napoli 2 Nord territory under home management included Home Health Care Units (USCA), non-ambulatory residential facilities undergoing non-pharmacological therapy (TNF), non-ambulatory vaccinated individuals receiving home vaccination, and vaccinated individuals in residential facilities, amounted to 38,223. Among these, 37.8% (14,476) tested positive for Covid.The total number of accesses during this period was approximately 94,000, encompassing various types of care provided (TNF at home, TNF in facilities, home management of Covid+ patients, vaccinations in facilities, vaccinations at home for non-ambulatory patients). The shift has been significant, transitioning from managing the entirety of patients in hospitals to slightly over 4.5% of the total managed from December 2020 to December 2021. Conclusions: The sensitivity of healthcare managers during the pandemic period translated into the realization that the focus of the National Health System (SSN) and the Regional Health System (SSR) needed to shift, directing efforts increasingly towards the implementation of local healthcare policies.The high number of hospitalizations recorded was not solely due to the increased number of infections, but also to the challenges faced in providing home care. Creating, developing, and continually implementing an interdisciplinary and interprofessional network, coupled with the development of technological infrastructures and more, ensured the ability to address the emergency. This guaranteed that all citizens received the necessary care and assistance to navigate this historically critical and unexpected moment.The reproducibility of this system assures the possibility of further network implementation, not only in emergencies but also for the daily management of chronic patients. Moreover, in a time when, among other things, Mission 6 of the National Recovery and Resilience Plan (PNRR) has allocated resources amounting to 15.63 billion euros to be invested in the healthcare sector, most of which are dedicated to revolutionizing our SSN and ensuring its greater efficiency and effectiveness in the territor.

Digital payment services in Poland as assistive technology and empowering tool for consumers with disabilities

The retail payments market is developing, and the implementation of digital payments has been one of the trends in consumer finance worldwide. This is the first study to jointly examine the perception of digital payment methods and financial services’ role, for consumers with and without disabilities. First, based on a nationwide survey on Internet users in Poland, the authors compared the popularity of selected financial services among consumers, then the perception of characteristics of payment methods. The results revealed that consumers with disabilities use a wide range of payment services, and they are included in digital finance. Moreover, contactless payment cards are used by consumers with disabilities even more often than by consumers on average. The results suggest that the control over finances make digital payments an important empowering tool for consumers with disabilities. Finally, the paper provides recommendations for the banking sector, on strategies for offering digital financial services.

A Study of Customer Perception Toward Mobile Banking in Western Maharashtra

Banking is the backbone of every industry and technology plays an important role in every industry. The role of technology is increasing day by day very rapidly, which is also boosting the banking industry. Banking is one of the largest financial institutions that regularly explore the opportunity of technology to provide better customer service. Over the years, banking has evolved from the traditional brick and mortar model of customers queuing up at banks for services to modern banking where a bank can reach out to them at any stage for their services. In today's business, technology is one of the biggest indicators of growth and competitiveness. The banking industry today is in the midst of its revolution. Information technology is used in banking in two different ways. One is communication and connectivity and the other is business process. Today, banks have welcomed wireless and mobile technologies into their boardrooms to give their customers the freedom to pay bills, plan payments while stuck in traffic jams, get updates on various marketing efforts to provide a more personal and intimate relationship while attending a party. This paper examines consumer perception and adoption of a new electronic payment service as mobile banking and the positive and negative factors affecting the adoption of mobile banking in India.

“We’re not educated on that enough, and we really should be”: adolescents’ views of mental health service education

ABSTRACT Purpose Despite the susceptibility to the experience of mental distress during adolescence, this population often demonstrate poor help-seeking behaviours. Efforts have been made by schools to address adolescents’ knowledge around mental health; less focus has been given to addressing their knowledge of mental health services and avenues for help-seeking. This study aimed to explore adolescents’ views of mental health services education. Methods An interpretive descriptive design was adopted. Thirty adolescents from Ireland participated in individual interviews. Data were analysed using content analysis. Two themes were identified Recognizing Gaps in Knowledge about Mental Health Service Education, and Enhancing Mental Health Service Education for Young People. Participants reported gaps in their knowledge about mental health services and were uncertain how to access help. Current strategies (e.g., print media) were considered tokenistic and ineffective; instead, multimedia (film/TV) approaches were recommended. Results Two themes were identified: Recognizing Gaps in Knowledge about Mental HealthService Education, and Enhancing Mental Health Service Education for YoungPeople. Participants reported gaps in their knowledge about mental healthservices and were uncertain how to access help. Current strategies (e.g., print media) were considered tokenistic and ineffective; instead, multimedia (film/TV) approaches were recommended. Conclusions Current mental health education programmes need to expand their focus beyond social/emotional well-being, providing adolescents with the knowledge they need to access appropriate supports. Considering traditional print media was viewed as ineffective, while film/TV had an influence on perceptions of mental health services, a multimedia approach to education may be an effective way of engaging this population.

Traditional ecological knowledge and practices for ecosystem conservation and management: the case of savanna ecosystem services in Limpopo, South Africa

ABSTRACT Traditional ecological knowledge (TEK) aids ecosystem conservation and management. While recognising the importance of Western science and knowledge, we argue that TEK practices are not appreciated resulting in continued and accelerated degradation of ecosystem services. This is prevalent among rural communities who are disadvantaged as their livelihoods depend on these ecosystem services. Taking the Capricorn District of Limpopo Province in South Africa as a case study, we explored the TEK practices employed to conserve and manage savanna ecosystem services. Employing the socio-ecological analysis (SEA) theory, we examined the perception and value of savanna ecosystem services. Data were initially collected from interviews with a professional biodiversity expert, an academic biodiversity expert, and a professional archaeologist and cultural expert (n = 4). In phase two, interviews were conducted with tribal representatives, traditional leaders, and community members (n = 43) in the four villages of Ga-Dikgale, Ga-Matlala, Moletlane and Ga-Malebogo across Capricorn District Municipality. Field observations were also undertaken. The findings highlighted the interrelated forms of sociocultural practices for the conservation and management of savanna ecosystem services, including norms, taboos, myths, rules, and cultural lifestyles. There were age differences in valuing and using TEK where younger people perceived TEK as backward. They relied on Western scientific knowledge, which they lauded as contemporary and not in opposition with their religious values. In conclusion, TEK continued to provide best practices for ecosystem conservation and management. This was identified by the respect and attention from the community who were aware of TEK even if they did not practice the processes. However, TEK is under threat as rural communities become more urbanized.

Disentangling the heterogeneity of mangrove managers' perception of ecosystem services

Understanding mangrove managers' perceptions of the ecosystem services (ES) that mangroves provide is key for successful conservation policies. The present study analyzes stakeholders' perceptions using a latent profile analysis for a case study located on the South American Pacific coast (the mangroves of Muisne canton in Ecuador) and focusing on twenty different ES. The survey results revealed different groups of mangrove managers depending on the perceived importance of mangrove ES. Specifically, three kinds of stakeholders were identified: Skepticals, who did not value the ES of the mangrove; Holistics, who strongly valued all ES; and Utilitarians, an intermediate class who only valued the ES that generated direct utility for them. A complementary analysis conducted using a multinomial logit model revealed that these three stakeholder types had heterogenous relationships with this high-nature-value ecosystem, as evidenced by their different economic and subsistence dependence on the mangrove and their different attitudes and opinions about it. The results yield relevant policy implications, including the need to tailor governance mechanisms to specific stakeholder groups and to promote training, nudging, and awareness campaigns.

NAVIGATING THE DIGITAL SHIFT: HOW ACCEPTANCE FACTORS SHAPE MALAYSIA'S BANKING EVOLUTION

This study investigates the factors influencing Malaysian consumers' intentions toward digital banking. Digital banking has revolutionised the traditional banking industry by leveraging technology and the internet to provide convenient and accessible financial services. In Malaysia, the adoption of digital banking has been slow, with only 31% of Malaysians interested in digital banking services. This is due to several factors, including security concerns, a lack of trust in digital banking platforms, and the perceived difficulty of using these platforms. This study uses the responses of 392 Malaysian consumers on their perceptions of digital banking services. The study results show that perceived awareness and risk are the most significant factors influencing Malaysian consumers' intentions to adopt digital banking. The findings of this study have implications for banks and financial institutions in Malaysia. Therefore, banks need to address consumer concerns about risks and security and make their digital banking platforms more user-friendly to increase the adoption of digital banking services.<p> </p><p><strong> Article visualizations:</strong></p><p><img src="/-counters-/soc/0036/a.php" alt="Hit counter" /></p>