User Decision Research Articles

PENGARUH PENGETAHUAN DAN KEMUDAHAN TERHADAP KEPUTUSAN PENGGUNA DAN KEPUASAN KONSUMEN DALAM MELAKUKAN TRANSAKSI NON TUNAI QRIS (QUICK RESPONSE CODE INDONESIAN STANDARD) DI KOTA PEKANBARU

This study aims to determine how much influence the things that influence User Decisions and Consumer Satisfaction in Making Non-Cash Transactions QRIS (Quick Response Code Indonesian Standard) in Pekanbaru City. Primary data was collected using a questionnaire as an instrument and structured interviews were used as a complement in proving the research results. This study used 100 samples of QRIS (Quick Response Code Indonesian Standard) users in Pekanbaru City as respondents using the Non Probability Sampling Technique. With the minimum age of 17 years, using, having made non-cash transactions using QRIS, and domiciled in Pekanbaru City. The method used is Explanatory Research with data analysis tests, instrument tests, classic assumption tests, hypothesis testing, and path analysis as data testing paths as well as by the statistical product and service solution software application (SPSS version 21). The results of this study indicate that (1) Knowledge influences User Decisions in Making Non-Cash Transactions QRIS (Quick Response Code Indonesian Standard) in Pekanbaru City; (2) Convenience has an effect but is weak on User Decisions in Making Non-Cash Transactions QRIS (Quick Response Code Indonesian Standard) in Pekanbaru City; (3) User Decisions affect Consumer Satisfaction in Using QRIS (Quick Response Code Indonesian Standard) Non-Cash Transactions in Pekanbaru City; (4) The direct effect of knowledge on user decisions is greater than the indirect effect of knowledge on user decisions and consumer satisfaction in conducting QRIS non-cash transactions in Pekanbaru City (5) the direct effect of convenience on decisions is greater than the indirect effect of convenience on customer satisfaction in Conduct QRIS Non-Cash Transactions in Pekanbaru City. Keywords: Non-Cash Transactions, Convenience, Knowledge, User Decision, Consumer Satisfaction

User Experience, Ease of Transactions, and Consumers Trust Towards Decisions Use of the Fund Application (Study of Dana Application Users in Central Jakarta)

This study aims to find out how much user experience, ease of transactions and consumer trust influence on use decisions. This is a quantitative research with a descriptive approach. The population of this study is all Dana application users in Central Jakarta. The sample of this study is a random sample, where samples are taken from randomly with 50 respondents with criteria of residing in the Central Jakarta area and having used the Dana application for more than 3 months. The results of the study showed that the following variables: (1) User Experience had a positive effect on User Decision. (2) Ease of Transaction has a positive effect on the User's Decision. (3) Consumer trust has a positive effect on User Decisions. (4) User Experience, ease of transaction and consumer trust have a combined effect on the User's Decision.

Charging load prediction method for expressway electric vehicles considering dynamic battery state-of-charge and user decision

Charging load prediction method for expressway electric vehicles considering dynamic battery state-of-charge and user decision

Nutrition facts, drug facts, and model facts: putting AI ethics into practice in gun violence research.

Firearm injury research necessitates using data from often-exploited vulnerable populations of Black and Brown Americans. In order to reduce bias against protected attributes, this study provides a theoretical framework for establishing trust and transparency in the use of AI with the general population. We propose a Model Facts template that is easily extendable and decomposes accuracy and demographics into standardized and minimally complex values. This framework allows general users to assess the validity and biases of a model without diving into technical model documentation. We apply the Model Facts template on 2 previously published models, a violence risk identification model and a suicide risk prediction model. We demonstrate the ease of accessing the appropriate information when the data are structured appropriately. The Model Facts template is limited in its current form to human based data and biases. Like nutrition facts, it will require educational programs for users to grasp its full utility. Human computer interaction experiments should be conducted to ensure model information is communicated accurately and in a manner that improves user decisions. The Model Facts label is the first framework dedicated to establishing trust with end users and general population consumers. Implementation of Model Facts into firearm injury research will provide public health practitioners and those impacted by firearm injury greater faith in the tools the research provides.

Sustainable transparency on recommender systems: Bayesian ranking of images for explainability

Recommender Systems have become crucial in the modern world, commonly guiding users towards relevant content or products, and having a large influence over the decisions of users and citizens. However, ensuring transparency and user trust in these systems remains a challenge; personalized explanations have emerged as a solution, offering justifications for recommendations. Among the existing approaches for generating personalized explanations, using existing visual content created by users is a promising option to maximize transparency and user trust. State-of-the-art models that follow this approach, despite leveraging highly optimized architectures, employ surrogate learning tasks that do not efficiently model the objective of ranking images as explanations for a given recommendation; this leads to a suboptimal training process with high computational costs that may not be reduced without affecting model performance. This work presents BRIE, a novel model where we leverage Bayesian Pairwise Ranking to enhance the training process, allowing us to consistently outperform state-of-the-art models in six real-world datasets while reducing its model size by up to 64 times and its CO2 emissions by up to 75% in training and inference.

Enhancing hERG Risk Assessment with Interpretable Classificatory and Regression Models.

The human Ether-à-go-go-Related Gene (hERG) is a transmembrane protein that regulates cardiac action potential, and its inhibition can induce a potentially deadly cardiac syndrome. In vitro tests help identify hERG blockers at early stages; however, the high cost motivates searching for alternative, cost-effective methods. The primary goal of this study was to enhance the Pred-hERG tool for predicting hERG blockage. To achieve this, we developed new QSAR models that incorporated additional data, updated existing classificatory and multiclassificatory models, and introduced new regression models. Notably, we integrated SHAP (SHapley Additive exPlanations) values to offer a visual interpretation of these models. Utilizing the latest data from ChEMBL v30, encompassing over 14,364 compounds with hERG data, our binary and multiclassification models outperformed both the previous iteration of Pred-hERG and all publicly available models. Notably, the new version of our tool introduces a regression model for predicting hERG activity (pIC50). The optimal model demonstrated an R2 of 0.61 and an RMSE of 0.48, surpassing the only available regression model in the literature. Pred-hERG 5.0 now offers users a swift, reliable, and user-friendly platform for the early assessment of chemically induced cardiotoxicity through hERG blockage. The tool provides versatile outcomes, including (i) classificatory predictions of hERG blockage with prediction reliability, (ii) multiclassificatory predictions of hERG blockage with reliability, (iii) regression predictions with estimated pIC50 values, and (iv) probability maps illustrating the contribution of chemical fragments for each prediction. Furthermore, we implemented explainable AI analysis (XAI) to visualize SHAP values, providing insights into the contribution of each feature to binary classification predictions. A consensus prediction calculated based on the predictions of the three developed models is also present to assist the user's decision-making process. Pred-hERG 5.0 has been designed to be user-friendly, making it accessible to users without computational or programming expertise. The tool is freely available at http://predherg.labmol.com.br.

Pengaruh Brand Image Perpustakaan terhadap Keputusan Berkunjung Pemustaka di Dinas Kearsipan dan Perpustakaan Provinsi Sumatera Barat

The aim of this research is to describe whether there is an influence of brand image on users' visiting decisions at the Archives and Library Service of West Sumatra Province. The type of research used is quantitative research with a descriptive approach. The population in this research is all users who visit the West Sumatra Province Archives and Library Service in 2023, namely 48,759 people. The sampling technique used was simple random sampling. The number of samples in this research was 100 samples. In this study, researchers used a questionnaire as an instrument. The data collection technique was carried out by distributing questionnaires to all research samples. The results of this research show that: first, brand image has a total average score of 4.28 which is categorized as very good. So it can be said that the library brand image at the West Sumatra Province Archives and Library Service is very good for users. Second, the decision to visit has a total average score of 4.35, which means it is classified as very good. So it can be said that the user's decision to visit the brand image is very good for the user. Third, the library brand image has an influence of 31.3% on the decision to visit users at the Archives and Library Service of West Sumatra Province, while the remaining 68.7% is influenced by other factors not examined in this research.

Pengaruh Manajemen Sekuritas Aplikasi Terhadap Keputusan Pengguna dalam Pengambilan Keputusan Menggunakan Aplikasi Dana sebagai E-Wallet Pilihan dalam Mengimplementasikan Ekonomi Digital Berbasis Kedaulatan NKRI

The objective of this study is to assess the performance of the DANA application as an electronic wallet and analyse the effect of managing the application's securities on user decision-making when using the application in the setting of the digital economy based on the sovereignty of the Unitary State of the Republic of Indonesia (NKRI). The study method employed was a qualitative literature review. The data was acquired by consulting relevant scholarly publications on Google Scholar to thoroughly comprehend the advancement of knowledge about the subject matter and identify areas of research that require further exploration. The hypothesis analysis revealed a significant correlation between the advantages of the digital economy, the growth of the digital economy, and the factors affecting the utilisation of E-Wallets or Dana apps within the Homeland. The development of the digital economy enhanced a nation's ability to withstand challenges by promoting economic sovereignty, cybersecurity and inclusive economic growth. Various factors, including data security and the rise of the digital economy, affected the utilisation of Dana applications. In addition, these factors affected the execution of national values. Utilising the Dana application as a digital wallet strengthened the nation's economic sovereignty and enhanced well-being and financial inclusivity across all segments of Indonesian society. Hence, comprehending the security management of the application and users' perspective regarding it is crucial in affecting users' trust and their decision to embrace the Dana application as their preferred E-Wallet for supporting the NKRI sovereignty-based digital economy.

Surface Water Resources Planning in an Ungauged Transboundary Basin Using Satellite Products and the AHP Method

Global concern over optimizing transboundary water resources for residents is hindered by the lack of observational data, particularly in ungauged basins, mainly due to inaccessibility or security issues. Remote sensing and GIS technology provide a practical solution for monitoring and managing water resources in such basins. This research evaluates surface water resources in the Qaretikan ungauged transboundary basin using satellite products for precipitation, temperature, and evapotranspiration from 2005 to 2014. The accuracy of these datasets was assessed using statistical measures. The water balance components, i.e., precipitation and evaporation, were utilized to calculate runoff over the basin using the Justin method. Downstream environmental flow was estimated using the Lyon method, and available water was determined. This study identified a potential annual storage water of 11.8 MCM in the Qaretikan basin. The Analytic Hierarchy Process (AHP) integrated expert opinions to prioritize water usage decisions based on proposed decision options. The results revealed greenhouse cultivation water allocation as the top priority among the identified options, highlighting its importance in sustainable water resource management within the basin.

Digital wallet dynamics: Perspectives on potential Worldcoin adoption factors in a developing country's FinTech Sector

In the dynamic digital environment, the emergence of digital wallets like Worldcoin signifies a transformative trend. This study examines the factors that influence the adoption of digital wallets in Thailand, focusing specifically on the Worldcoin wallet. The primary aim is to identify and analyze the potential determinants that affect user decisions to adopt this technology. Employing a quantitative research methodology, structured questionnaires were administered to 1430 participants to gather data, subsequently subjected to binary logistic regression analysis. This analysis aimed to discern the relationship between various independent variables, encompassing social support, social presence, trust, perceived risk, service reliability, perceived usefulness, perceived ease of use, time saving, convenience, consumption, discount, and promotion, and the dependent variable of Worldcoin wallet adoption. The findings underscore that factors such as social support, social presence, and trust positively influence adoption, emphasizing the significance of community building and trust establishment. Conversely, perceived risk acts as a deterrent to adoption, underscoring the imperative of addressing security concerns. While service reliability and perceived usefulness serve as catalysts for adoption, perceived ease of use does not exhibit a similar effect, implying potential usability issues. Furthermore, economic incentives such as discounts do not yield a significant impact on adoption, suggesting their secondary role as motivators. This study underscores the critical importance of trust, usability, and security in facilitating the broader adoption of Worldcoin and analogous technologies within the Thai context and beyond.

"Ajak Teman'' as a Referral Strategy to Persuade Friends to Use Digital Banking

The emergence of digital banks in Indonesia triggered intense competition among digital banks. This competition encouraged digital banks to create marketing strategies that are tailored to customer behavior and preferences. The invite-a-friend strategy, known as referral marketing, involves the participation of customer connections to recommend products and services to new customers through word of mouth. The potential target customers of digital banks are Generation Z. Therefore, digital banks need to develop innovative business strategies to encourage Generation Z usage decisions by utilizing the referral concept in their promotions. This study examined the effect of the invite-a-friend strategy that occurs due to the dimensions of eWOM - the dimensions of concern for others, economic incentives, helping the company, and expressing positive emotions implemented in the referral program contained in XYZ digital banking on usage decisions. The sample included 148 respondents XYZ digital bank customers who use the referral program. The data analysis technique used in this study was PLS-SEM using SmartPLS version 3 as an analysis tool. The results of this study showed that three dimensions have a positive and significant influence on the usage decisions of Generation Z customers, concern for others, economic incentives, helping the company and expressing positive emotions. Helping the company is the most dominant factor influencing Generation Z customer decisions. Keywords: digital bank, e-referral, strategy to invite friends, usage decision

Beyond Relevance: Factor-level Causal Explanation for User Travel Decisions with Counterfactual Data Augmentation

Point-of-Interest (POI) recommendation, an important research hotspot in the field of urban computing, plays a crucial role in urban construction. While understanding the process of users’ travel decisions and exploring the causality of POI choosing is not easy due to the complex and diverse influencing factors in urban travel scenarios. Moreover, the spurious explanations caused by severe data sparsity, i.e., misrepresenting universal relevance as causality, may also hinder us from understanding users’ travel decisions. To this end, in this article, we propose a factor-level causal explanation generation framework based on counterfactual data augmentation for user travel decisions, named Factor-level Causal Explanation for User Travel Decisions (FCE-UTD), which can distinguish between true and false causal factors and generate true causal explanations. Specifically, we first assume that a user decision is composed of a set of several different factors. Then, by preserving the user decision structure with a joint counterfactual contrastive learning paradigm, we learn the representation of factors and detect the relevant factors. Next, we further identify true causal factors by constructing counterfactual decisions with a counterfactual representation generator, in particular, it can not only augment the dataset and mitigate the sparsity but also contribute to clarifying the causal factors from other false causal factors that may cause spurious explanations. Besides, a causal dependency learner is proposed to identify causal factors for each decision by learning causal dependency scores. Extensive experiments conducted on three real-world datasets demonstrate the superiority of our approach in terms of check-in rate, fidelity, and downstream tasks under different behavior scenarios. The extra case studies also demonstrate the ability of FCE-UTD to generate causal explanations in POI choosing.

Pengaruh Inovasi dan Harga terhadap Keputusan Pembelian pada Pengguna Tokopedia di Kota Bandung (Studi Kasus pada Produk Berlabel Dilayani Tokopedia)

This research test aims to see the influence of product and price innovation on the purchasing decisions of Tokopedia users in the city of Bandung. The thorough test used data collected from questionnaires using purposive sampling technique, the number of respondents was 100 people. This thorough test uses validity and reliability test instruments. The hypothesis in this study uses multiple linear regression, coefficient of determination, partial and simultaneous. The results obtained from this thorough test are that partially, Product Innovation and Price have a significant influence on Purchasing Decisions. The F test results show that the calculated f result is 61,338, which is more than the f table of 3.09. From this it can be said that Innovation and Price have a significant influence on Purchasing Decisions.

Faktor - Faktor yang Mempengaruhi Keputusan Menggunakan Jasa Bank Syariah di PT. BSI Kota Batu

This research aims to determine the factors that influence the decision to use sharia banking services at PT. BSI Batu City. This research uses a descriptive quantitative approach with questionnaire and interview data collection methods. The population in this study were customers at PT. BSI Batu City and samples as research respondents will be taken using non-probability sampling techniques using Malhotra's theory using 105 samples obtained from 5 x 21 (number of items from research indicators). The research results show that the level of religiosity (X1) and level of education (X3) have a significant and positive effect on usage decisions. Meanwhile, income level (X2) has no effect and is not significant on the decision to use sharia banking services at PT. BSI Batu City.

Would you be impressed: applying principles of magic to chatbot conversations.

A magician's trick and a chatbot conversation have something in common: most of their audiences do not know how they work. Both are also constrained by their own limitations: magicians by the constraints of biology and physics, and dialogue systems by the status of current technology. Magicians and chatbot creators also share a goal: they want to engage their audience. But magicians, unlike the designers of dialogue systems, have centuries of practice in gracefully skirting limitations in order to engage their audience and enhance a sense of awe. In this paper, we look at these practices and identify several key principles of magic and psychology to apply to conversations between chatbots and humans. We formulate a model of communication centered on controlling the user's attention, expectations, decisions, and memory based on examples from the history of magic. We apply these magic principles to real-world conversations between humans and a social robot and evaluate their effectiveness in a Magical conversation setting compared to a Control conversation that does not incorporate magic principles. We find that human evaluators preferred interactions that incorporated magical principles over interactions that did not. In particular, magical interactions increased 1) the personalization of experience, 2) user engagement, and 3) character likability. Firstly, the magical experience was "personalized." According to survey results, the magical conversation demonstrated a statistically significant increase in "emotional connection" and "robot familiarity." Therefore, the personalization of the experience leads to higher levels of perceived impressiveness and emotional connection. Secondly, in the Magical conversation, we find that the human interlocutor is perceived to have statistically-significantly higher engagement levels in four of seven characteristics. Thirdly, participants judged the robot in the magical conversation to have a significantly greater degree of "energeticness,""humorousness," and "interestingness." Finally, evaluation of the conversations with questions intended to measure contribution of the magical principals showed statistically-significant differences for five out of nine principles, indicating a positive contribution of the magical principles to the perceived conversation experience. Overall, our evaluation demonstrates that the psychological principles underlying a magician's showmanship can be applied to the design of conversational systems to achieve more personalized, engaging, and fun interactions.

Reengineering Indoor Air Quality Monitoring Systems to Improve End-User Experience.

This paper presents an indoor air quality (IAQ) monitoring system designed for a better end-user experience. The monitoring system consists of elements, from the monitoring sensor to the monitoring interface, designed and implemented by the research team, especially for the proposed monitoring system. The monitoring solution is intended for users who live in houses without automatic ventilation systems. The air quality sensor is designed at a minimum cost and complexity to allow multi-zone implementation without significant effort. The user interface uses a spatial graphic representation that facilitates understanding areas with different air quality levels. Presentation of the outdoor air quality level supports the user's decision to ventilate a space. An innovative element of the proposed monitoring interface is the real-time forecast of air quality evolution in each monitored space. The paper describes the implementation of an original monitoring solution (monitoring device, Edge/Cloud management system, innovative user monitoring interface) and presents the results of testing this system in a relevant environment. The research conclusions show the proposed solution's benefits in improving the end-user experience, justified both by the technical results obtained and by the opinion of the users who tested the monitoring system.

Designing for Appropriate Reliance: The Roles of AI Uncertainty Presentation, Initial User Decision, and User Demographics in AI-Assisted Decision-Making

Appropriate reliance is critical to achieving synergistic human-AI collaboration. For instance, when users over-rely on AI assistance, their human-AI team performance is bounded by the model's capability. This work studies how the presentation of model uncertainty may steer users' decision-making toward fostering appropriate reliance. Our results demonstrate that showing the calibrated model uncertainty alone is inadequate. Rather, calibrating model uncertainty and presenting it in a frequency format allow users to adjust their reliance accordingly and help reduce the effect of confirmation bias on their decisions. Furthermore, the critical nature of our skin cancer screening task skews participants' judgment, causing their reliance to vary depending on their initial decision. Additionally, step-wise multiple regression analyses revealed how user demographics such as age and familiarity with probability and statistics influence human-AI collaborative decision-making. We discuss the potential for model uncertainty presentation, initial user decision, and user demographics to be incorporated in designing personalized AI aids for appropriate reliance.

The Impact of Transfer Pricing on the Company’s Image. Implications in Audit Work

In an economy strongly marked by globalisation, transfer pricing is at the top of the agenda of taxpayers, tax authorities and regulatory bodies, with its influence manifested primarily in the fiscal area, respectively in the correct determination and proper allocation of the corporate tax base between different jurisdictions or between companies operating within the same jurisdiction. However, transfer pricing transcends the fiscal problematic and significantly influences other aspects of a company's life, one of which is the image reflected in the annual financial statements, including cash flows or financial performance indicators, and through their analysis, the investment decisions of potential users of accounting information. Transfer pricing is, therefore, also a reference point in the audit work carried out at the level of companies part of national or multinational groups and involved in significant intra-group transactions, as compliance or noncompliance with the arm’s length principle directly influences the way in which different elements of income, expenses, results, assets, equity or liabilities are reflected or not in accordance with the true and fair view principle and thus, ultimately, the audit opinion. National and international auditing standards provide recommendations and guidance on how to deal with transfer pricing issues as part of audit engagements, reflecting a continuing concern by professional bodies to develop best practices in this area.

ABCD Analysis of Voice Biometric System in Banking

Purpose: This article aims to provide an overview of the voice biometric system in banking and its benefits using the ABCD analytical methodology. Voice biometric systems in banking are pivotal for improving customer experiences, effortlessly integrating into various service channels like call centers and mobile apps. This article provides advantages, benefits, constraints and disadvantages (ABCD) analysis of the voice biometric offerings for banking sector. Design/Methodology/Approach: The research examined published papers through the ABCD analysis framework, employing quantitative analysis within focus group interactions to uncover crucial attributes and variables that impact consumers' intentions to implement voice biometric system in banking system. This process yielded valuable insights. Findings/Result: The ABCD analytical approaches of voice biometric systems in banking indicates the enhanced customer satisfaction and streamline operations through their diverse functionalities. When integrated into the bank's multi-factor authentication framework, voice biometric systems serve as a non-intrusive yet highly secure authentication method. They offer a seamless customer experience by eliminating the need for traditional PINs or passwords, reducing the risk of unauthorized access, and bolstering overall system security. The implementation of voice biometric systems in the banking sector provides several key benefits. Originality/Value: Utilizing the ABCD analysis approach, this research examines the inclination of consumers to activate the voice biometric systems in banking. The investigation delves into consumer behavior and the elements that impact usage decisions, employing determinant issues, key attributes, factor analysis, and elementary analysis. Paper Type: Empirical Analysis

Why do people use a mobile wallet? The case of fintech companies in Jordan

Understanding consumer intentions regarding mobile wallet (m-wallet) adoption is paramount in the mobile commerce landscape, particularly in cash-centric economies like Jordan. Despite efforts to shift toward digital payments, cash transactions remain prevalent, highlighting the need to explore m-wallet service adoption dynamics in Jordan.This study aims to identify the factors influencing Jordanian consumers’ adoption of m-wallet services, focusing on the motivations and barriers. Utilizing the Unified Theory of Acceptance and Use of Technology (UTAUT2) as a theoretical foundation, the research integrates various models to assess technology acceptance. A questionnaire distributed among m-wallet users from fintech companies in Jordan garnered 421 responses, analyzed using the Smart PLS 3 software.The findings indicate a positive impact of all variables on the propensity for m-wallet adoption in Jordan. Notably, perceived usefulness, ease of use, and facilitating conditions significantly influenced user decisions, evidenced by R-square values of 0.78%, 0.758% and 0.684%, respectively. Meanwhile, perceived value, security, privacy, and social influence had a moderate effect. The attractiveness of alternatives and attitudes towards m-wallet usage showed lesser impact, with R-square values at 26.7% and 22.8%, respectively, illustrating varied influences on adoption rates in determining consumer adoption of m-wallet services in Jordan.This paper enhances research on mobile commerce in developing economies, focusing on Jordan. It explores the adoption of m-wallet services by fintech users, presenting a detailed model. The study provides valuable insights for advancing digital payment systems in this region.