Transaction Services Research Articles

Use of ICT and the Application of E-Governance Strategies in Service Delivery by Local Councils in Cameroon: The Case of Local Councils in the Bamenda Municipality

The increasing use of information and communication technology (ICT) by Cameroonians has brought changes in citizen's needs and demands and has raised expectations on how services should be provided. Citizens need to carry out transactions (transactional services) conveniently and obtain accessible, reliable, and sustainable information (information services) from their local government. Unfortunately, this is still far from the reality in some selected local councils in Cameroon, given that they use ICT mainly for administrative and not service delivery purposes. Therefore, this paper's main objective is to establish a link between ICT usage and the empowerment of local councils in the application of e-governance strategies for information and transaction services delivery. The theoretical framework used in the paper included Technology Acceptance, Wider Dissemination, and e-governance Models. The stratified purposive and systematic random sampling techniques were employed to obtain needed data from the Bamenda I, II, and III municipalities in the North West Region. The findings of this paper revealed that a significant number of local councils are already using their ICTs to provide information services. However, none of them so far are using ICT for transactional service delivery purposes. Also, we observed a gap between citizen expectations and local council provision of information and transactional services. This paper found that the use of ICT to apply e-governance strategies would improve local council service delivery in terms of accessibility to information by citizens and sustainability of council information services, also promote transparency in transactions between the council and the citizens, and ease transactions between citizens and local councils in terms of time and cost. Thus, this paper recommends that local councils digitalize manual service delivery processes through their operational IT units. Also, for the Cameroon government to achieve the goals stated in the NDS30 Plan for a Digital Cameroon, it must consider effectively involving local councils in the national digitalization initiatives. This can be done by encouraging them to adapt their information and transactional service delivery procedures to more ICT-based strategies despite the challenges involved.

DTSSN: A Distributed Trustworthy Sensor Service Network Architecture for Smart City

The smart city is an increasingly popular concept when it comes to urban development. In a smart city, numerous sensor services are generated by IoT sensors in a distributed manner, requiring proper management and effective interaction to guarantee the connectivity of different regions. However, the sensitive nature of sensor data raises concerns over joining public cloud centers or edge servers, despite assurances of their reliability from providers. Local deployment and maintenance of sensor services may cause these service providers to become ”data isolated islands”, hindering the construction process of smart city. This paper proposes a distributed trustworthy sensor service network architecture named DTSSN to support the building of a fully distributed sensor service network. The proposed network architecture operates through the collaboration of two core devices, the sensor service switch and router, to effectively enable the registration, discovery, invocation, transaction, and monitoring of cross-region sensor services. Then, a lightweight trustworthy transaction mechanism based on blockchain is proposed to realize SLA-based automatic service transaction while reducing potential risks in the service network. Comparative analysis and simulation experiments validate the effectiveness of the DTSSN architecture in terms of scalability, availability, and trustworthiness, underscoring its potential in advancing smart city development and governance.

Beyond the Plate: Exploring the Experiential Values of Meal Sharing

Most research on hospitality management emphasizes the significance of customer experience, primarily focusing on the interactions between service providers and customers. However, the emergence of a sharing economy has extended service provision beyond traditional interactions. This study focuses on the importance of customer experience in the context of peer-to-peer (P2P) service transactions. It investigates the experiential values of meal sharing from the perspectives of both hosts and guests. Adopting a means-end chain approach, 25 semi-structured interviews using the soft laddering technique were conducted to analyze the narratives by detecting a variety of attributes, salient consequences, and ultimate personal values of the meal-sharing experiences and the hierarchical linkages among them. Although economic benefits are often cited as key factors in P2P services, this study revealed that social and food well-being and unique experiences are the primary experiential values of meal sharing.

Implementation of Customer Relationship Management (CRM) Strategy in Increasing the Loyalty of Non-Pawn Customers at PT Pegadaian Lempuyangan Branch

Economic activities in each country are closely related to financial issues. In the pawn and credit sector, there is very tight competition at the moment, this is also realized by PT Pegadaian Lempuyangan Branch. Therefore, the company's focus must be increased in increasing customer loyalty and delivering value. The purpose of this writing is to determine the increase in non-pawn customer loyalty at PT Pegadaian Lempuyangan Branch resulting from the implementation of the Customer Relationship Management (CRM) strategy. The qualitative method was chosen as the method used in this writing. The data collection techniques involved in this writing are in the form of observations and interviews with internal and external parties of the company. The data that has been collected will then be analyzed using content analysis techniques. As a result, Customer Relationship Management was found to have a significant and real impact on customer loyalty, especially in owning the products offered by the company. Customer Relationship Management is very important to maintain added value and ensure the company's survival. In implementing Customer Relationship Management to increase customer loyalty, companies need to consider customer needs when making product offers, especially non-pawn products. This can be done by increasing the use of social media platforms for offers and improving the service features available on the Pegadaian Digital application for transaction services.

Assessing Malaysia’s Internet of Things (IoT) Readiness Based On CREATE-IoT Key Performance Indicators

The current nationwide deployment of Internet of Things (IoT) in Malaysia has never been assessed nor benchmarked against any Key Performance Indicators (KPIs). A proven IoT assessment standard called CREATE-IoT has successfully driven IoT projects in European countries, and it is hence used as a benchmarking tool in this research. The assessment that includes both technical and business perspectives concludes that 42 out of 50 KPIs (84%) in Malaysia are in the advanced state. Malaysia is thus rated as an IoT-ready country. However, rooms for improvement exist in the scopes of providing expected duration for completing an IoT service transaction to predict the level of customer satisfaction when using the service – and the ability to produce IoT sensors and devices locally to have sustainable, scalable, and economical continuous IoT deployments.

The Influence of Financial Literacy, Perceived Benefits, and Perceived Ease of Use on QRIS Usage Decision among Students in DKI Jakarta with Trust as a Mediating Variable.

This study aims to determine the influence of financial literacy, perceived benefits, perceived ease of use on usage decisions mediated by trust in the Indonesian Standard Quick Response (QRIS) transaction service among students in DKI Jakarta. The sample size in this study consists of 102 student respondents in DKI Jakarta who conduct transactions with QRIS. The chosen sampling method is purposive sampling. The independent variables in this study are financial literacy, perceived benefits, and perceived ease of use. The dependent variable in this study is the usage decision, while the mediating variable in this study is trust. The study employs data analysis using partial least squares (PLS) through the SmartPLS version 4.0 software application.

Strategi Komunikasi J&T Express Dalam Pelayanan Transaksi Cod ( Cash On Delivery )Di Kota Solok

The COD (Cash On Delivery) payment method is a payment that can be made after the buyer or recipient of the goods has received the goods ordered. With the convenience that people get in online shopping activities, online shopping is becoming more and more popular among people, one of which is in the city of Solok. And one of the expeditions in Solok City which is a place for sending goods to Solok is J&T Express. There are problems caused by customers' ignorance of online buying and selling mechanisms that use the COD payment method, causing problems for couriers and customers during the transaction process. For this reason, J&T Express has a strategy in processing COD transactions with customers. The research method used in this research is a qualitative descriptive approach and uses Joseph Devito's theory to analyze the communication process of J&T Express's strategy in transaction services via COD. The result of this research is that J&T Express provides education to couriers to provide information to COD customers about rules, policies and procedures for handling complaints such as complaints about ordered goods using the COD payment method. Apart from that, regulations regarding COD payment methods are also available on the internet so that many COD customers can know them. In this strategy, there are obstacles that make it difficult for COD customers to receive information, namely the lack of courier education to customers about COD regulations, the existence of limited customer technology, and also customer disagreement with the rules.

A Study on the Impact of Destination Image on Customer Value, Tourism Satisfaction, and Behavioral Intention in Jatim Park 2

Tourism has an important role in global economic development because it contributes through foreign exchange earnings, employment, transactions of goods and services. One sector that is the focus of development in various countries is the tourism sector. This also creates challenges for the tourism business industry to be able to develop the advantages of tourist destinations to the maximum. A good understanding of tourist behavior is important in the tourism development process. In this case, destination image can be used as a predictor of tourist behavior both before and after visiting a destination. This study aims to analyze and explain the influence of destination Images on customer value, tourist satisfaction and tourist behavioral intentions.

SN-RNSP: Mining self-adaptive nonoverlapping repetitive negative sequential patterns in transaction sequences

Negative sequential patterns (NSP) focus on non-occurring events and play a role that cannot be replaced by positive sequential patterns (PSP). Considering the repetitive occurrence of sequential patterns in a sequence, repetitive NSP (RNSP) mining captures frequent NSP across different sequences from a database. Those patterns benefit many tasks of transaction services, e.g., fraud detection and medical diagnosis. However, limited studies focusing on mining RNSP are proposed, e.g., e-RNSP and ONP-Miner, and they are devised under strict constraints and are inefficient in practice. To address these issues, this paper proposes a Self-adaptive Nonoverlapping RNSP mining method SN-RNSP to mine nonoverlapping RNSP with the self-adaptive gap between successive elements from transaction sequences, which requires that each element cannot be reused at the same position in occurrences, and the gap value does not need to be specified in advance. First, this paper develops a method that maintains occurrences of pattern candidates via the bitmap structure to capture all repetitive PSP (RPSP), which utilizes the bitmap-based operation to calculate support efficiently. Second, SN-RNSP leverages bitmaps to record the locations of RPSP and RNSP in the database and query the repetition times of corresponding RPSP for the support calculation of RNSP. Conducted on real-world and synthetic datasets, extensive experiments demonstrate that SN-RNSP can discover more patterns with better mining performance than the state-of-the-art RNSP mining algorithms in transaction sequence databases.

Penerapan Aplikasi Warung Media Berbasis Android Guna Meningkatkan Promosi dan Penjualan

Warung Media is a start-up that provides various media needs such as laptop repair services, graphic design, videography, and all media needs that can be requested by yourself. Media stalls take advantage of technological developments to market their services online, namely through social media and offline. The design of this media shop application is a step to increase sales and promotion of service products offered by the media shop so that it can provide more benefits for the media shop itself. The purpose of building this system is so that customers can order products online and as a promotional media as well as more value from media stalls. In addition, with this application, users can easily see the products offered by media stalls. This system is designed using the java programming language and using the android studio application. The results of this study are the media shop application which is used as a means of sales promotion that can be accessed anywhere and anytime, the service ordering process can be done directly without having to come to the place, and can facilitate the process of buying services transactions, so as to increase sales of services from media stalls

Pelatihan Digital Marketing Produk UMKM Pada Masyarakat Desa Betek Guna Meningkatkan Kesejahteraan Masyarakat

Electronic Commerce (e-commerce) is a new behavior that can be described as the process of transactions for goods or services in the process of buying and selling or exchanging products, services and information via information networks, including the internet or cyberspace, in line with the very rapid development of the internet world. Service implementers observed that marketing of UMKM products in Betek village, Mojoagung subdistrict is still limited and still uses the WoM (Word of Mouth) marketing method so that sellers only rely on buyers who come. The problem with partners is that marketing is still done traditionally, namely by word of mouth and only relies on consumers who come to get turnover and offers to close friends and the surrounding environment and there is a lack of understanding and use of digital marketing to increase sales. The problems faced must immediately find a solution. One alternative solution is to use digital marketing media. The objectives of this digital marketing-based UMKM product marketing assistance program are as follows: (1) UMKM owners in Betek village can increase their understanding of digital marketing; (2) UMKM owners in Betek village can increase the use of digital marketing more effectively; (3) MSME owners in Betek village can expand their marketing area; (4) Betek village UMKM owners can increase their income. With this digital marketing training, sales of Betek Village UMKM products increased by 60% from before the intensive assistance was implemented.

Analisis Kepuasan Penggunaan Aplikasi Pospay Menerapkan Metode TAM

The presence of the current era of globalization, revolution and industrial technology, we can see with the booming of applications that can facilitate various human activities. Many applications are currently emerging that play a role in almost every area of ​​human life, both in daily life and in the field of human work by offering various superior features, such as the pospay application. The Pospay application is a smartphone application with Android and iOS operating systems that is provided to customers as a digital channel to access Giropos services and other financial transaction services independently. However, until now there has not been an analysis to find out about the assessment of customer satisfaction from the use of the application. The method that can be used in assessing customer satisfaction is the concept of technology acceptance model (TAM) method. Therefore, this research is deemed necessary to find out about the customer satisfaction of the Pospay application using the TAM method.

PENGARUH EFEKTIVITAS PEMBUKAAN REKENING ONLINE DAN PROMOSI TERHADAP MINAT MENJADI NASABAH BANK SYARIAH INDONESIA (STUDI MAHASISWA FAKULTAS EKONOMI DAN BISNIS ISLAM UIN SULTHAN THAHA SAIFUDDIN JAMBI)

ABSTRACT The rapid development of technology is often used by companies, including Islamic banks, to increase their markets by using existing technology. To improve service to its customers, the bank launched a transaction service media based on information technology, namely mobile banking. Mobile banking services make it easier for customers to carry out banking transactions via mobile devices or Personal Data Assistants.At the end of 2019 Bank Syariah Indonesia launched an online account opening feature in the BSM application service. To introduce this online account opening feature in order to attract customers' interest, promotional activities are important in communicating and influencing customers. In addition, the effectiveness of opening an online account in the form of convenience is also important, because it is immediately felt and used by customers.Therefore the researcher raised the title of the influence of the effectiveness of opening online accounts and promotions on interest in becoming a customer of Bank Syariah Indonesia. This study used a quantitative method, the sample in this study were 97 students, with data collection techniques using the Purposive Sampling technique, in which the selection of samples used certain criteria according to the phenomena and needs studied.Data collection was carried out by distributing questionnaires to students who met the criteria for opening an online account. The results of this study indicate that the effectiveness variable for opening an online account (X1) has a significant and positive effect on interest in becoming a customer (Y), as evidenced by the results of the T test of 0.000 <0.05 with a tcount of 6.435 > 1.662. and the promotion variable (X2) also obtained significant positive results on the interest in becoming a customer of Bank Syariah Indonesia with a T test result value of 0.052 <0.05 with a tcount value of 1.970 > 1.662.

Feasibility Study on ATM/ITM Demand for Production with KPI Metrics in Ethiopia

Automatic Teller Machines (ATM) is an innovative service delivery mode that offers diversified financial services. These are operated by the information and communication applications as a result in today’s business environment internet has major influences for all financial, banking and commercial transactions. ATMs allow bank customers to withdraw cash properly anytime, anywhere and at all hours without going to actual bank by online automation of banking transaction services. The customers also acquire different real-time service. As a result the cashless payment system adoption and innovation greatly helped the market growth forecasts of Automatic Teller Machine (ATM). This new technology is testing and demanding different finance institutions to be highly competitive in every aspect of economy. There are different types, designs and configuration of ATM/ITM machines. Their software and hardware must be confidential to support the banking services. CBE is the pioneer in introducing ATM payment system in Ethiopia and then after it got a Visa membership. Actually banking industry in Ethiopia hasn’t developed well and need to be modernized by introducing new E-banking technologies in the banking system therefore all banks operating in Ethiopia should recognize the need for introducing electronic banking system to satisfy their customers. These help them to fulfill the requirements of rapidly expanding domestic and international trades, and increasing international banking services. There is an increase in banks, bank branches and ATM usage by banks. The ATM demand is showing increment but there are no known companies that provide SKD/CKD assembling services. They are only imported as CKD and assembled for service by exporter representatives. For promotion of the E-banking in general and ATM in particular companies need to have their own assembling, service and maintenance factory due to the positive developments in financial, banking and commercial transactions Keywords: ATM; ITM; E-banking; FI; Banking; Market

Enhanced trust management for building trustworthy social internet of things network

AbstractInternet of Things (IoT) and wireless communication technologies are evolving rapidly and changing the way we live and work. IoT devices may need to share personal information over the public network taking the help of nearby devices. Thus, the trustworthiness of nearby devices shall play an essential role in providing security and privacy assurance. The authors proposed an autonomous decentralised trust management model for selecting a trustworthy device for a requested service transaction. The proposed scheme uses the Social Internet of Things for trust management. The proposed model uses social relationships to find the level of trust among related devices, estimate the overall trust of the unknown devices, periodically update the observed trust values, and isolate the malicious nodes in the network. The evaluated trust values are updated in the network frequently so that other devices can utilise the information later. The periodic update can increase performance and detect trust‐related malicious attacks. The simulation result shows that the performance of the proposed model is better as compared to existing trust management models. The proposed model can detect malicious objects at an early stage and can handle malicious attacks by isolating malicious devices.

A Study Over Constructive Role of Delivery Services in Intensifying Customer Loyalty in E-Commerce Business: An Empirical Study in Delhi

The internet has evolved into a trustworthy community for the transaction of items and services. Because online purchases do not include face-to-face interaction, a variety of factors may impact on purchasers' purchasing intentions. Aside from appearance and usefulness, trust is an important factor that determines customers' decisions about an online business. Online retailers must devise tactics to keep loyal and trustworthy clients. This paper investigates the development and/or enhancement of customer loyalty in online retail. The COVID-19 epidemic has accelerated global market e-commerce growth and strengthened ties amongst online merchants. Businesses look for more sophisticated online shopping dimensions models. It can be used to customize services for customers. With the introduction of electronic commerce and online consumer buying patterns, theorists and practitioners of marketing have begun to understand the importance of developing and sustaining e-loyalty in electronic marketplaces. Managing client trust, happiness, and loyalty sentiments when using the services of e-commerce is critical for longterm business success. It becomes more crucial for online shopping as e-commerce competition heats up. sample of 320 respondents from e-commerce business has been considered in the study to know the role and impact of delivery services in intensifying customer loyalty in e-commerce business and the study concludes that there is significant impact of delivery services in intensifying customer loyalty in e-commerce business.

Optimization of Financial Services Transaction Management Based on Blockchain Empowerment and Hierarchical Clustering

Optimization of Financial Services Transaction Management Based on Blockchain Empowerment and Hierarchical Clustering

IMPROVING THE ACCESSIBILITY OF HEALTH SERVICES THROUGH THE IMPLEMENTATION OF MOBILE-BASED APPLICATIONS

Advances in information technology have a significant impact on various aspects of life, especially in health services. The development and emergence of Innovations in mobile technology are essential to transform and improve accessibility, efficiency, and quality of health services. This research focuses on Karangampel Community Health Center, despite its comprehensive services and the existence of operational challenges, limited by ineffectiveness in the process of report data collection system to transaction services. The purpose of this research is to develop a mobile application to improve the transaction process of reporting drug purchase data. This can help improve administrative efficiency. By using the observation method and the Systems Development Life Cycle (SDLC) as a system design, then testing using black box and Mental Model Representation, resulting in a value of 90%, indicating that the application is feasible to use. Through the implementation of mobile applications, health services can facilitate interaction between patients and health service providers regarding operational activities. In addition, this application also facilitates health service providers in recording patient histories, monitoring schedules, and developing treatment plans electronically, real-time ambulance calls, as well as drug purchase service features, to transactional reporting accessible via mobile.

National Financial Switch Simulator Using Mobile and Backend SDK

Abstract: In the realm of digital finance, the Unified Payments Interface (UPI), managed by the National Payments Corporation of India (NPCI), revolutionizes real-time, boundary less payments between bank accounts. However, Transaction Service Providers (TSPs) encounter challenges in NPCI's testing infrastructure. To resolve this, an independent National Financial Switch (NFS) Simulator for UPI is proposed. This simulator will empower TSPs to conduct autonomous UPI transaction testing, reducing reliance on external resources. By replicating UPI processes, it will facilitate early issue identification, expedite development, and strengthen security. The NFS Simulator's technical implementation involves Android and iOS app creation, NPCI's Common Library integration, and backend simulation, streamlining development and ensuring robustness in the dynamic digital finance landscape.

Determinants Transact Using Bi Fast Transfer Service On Bsi Mobile

The current development of technology 4.0 shows the progress of application transactions in Islamic financial institutions. It does not rule out possibilities like BSI Mobile with its BI Fast service. BI Fast service is a transfer transaction service between Bank Syariah Indonesia and other conventional banks with a fee of Rp. 2,500 per transaction. The research used is quantitative research with primary and secondary data. Data collection is carried out by distributing questionnaires. The sampling technique is a random sampling technique of 30 respondents from UIN students Prof. K. H. Saifuddin Zuhri Purwokerto. The data analysis used is a reliability test, validity test, basic assumption test (normality test, descriptive analysis test, and linearity test). Then for hypothesis tests using (t test, F test, and R2 determination coefficient test) and multiple tests. For data management, it uses the SPSS 25 application in 2023. Use of BI Fast application on BSI Mobile. Based on the data processing, it was concluded that there is an influence of financial literacy on transactions using BI Fast BSI Mobile services, there is no effect of convenience on transactions using BI Fast BSI Mobile services, and there is no influence of trust on transactions using BI Fast BSI Mobile services. And simultaneously the three variables of financial literacy, convenience, and trust do not affect transactions using BI Fast BSI Mobile services