Virtual Card Research Articles

Impact of online poker gambling on behavioural and neurophysiological responses to a virtual gambling task.

Online poker gambling (OPG) involves various executive control processes and emotion regulation. In this context, we hypothesized that online poker players, accustomed to handling virtual cards, would show high performance on computerized decision-making tasks such as the Iowa Gambling Task (IGT). Using press advertisements, we recruited a non-gambler group (NG; n= 20) and an OPG group (n= 22). All participants performed the IGT while their cerebral activity was recorded by electroencephalography. Compared with the OPG group, the NG group showed significantly better progression in the IGT in the last trials. Recording of brain activity revealed the appearance of a temporal map between 150 and 175 ms specific to the gain condition in both groups. A second map was observed at 215-295 ms specifically in the NG group, and the generators were identified in the occipital regions. This activity is indicative of a high level of visual awareness; thus, it reflects additional processing of visual information, which can be assumed to be induced by the lower exposure of the NGs to online card games. We hypothesize that the absence of this activity in the OPG group might be due to their online habituation to virtual environments.

Virtual credit and debit card issuing system

Malawi's technological landscape is rapidly evolving across various sectors, including finance and business, driven by innovative individuals who are constantly pushing the boundaries of innovation. The internet plays a pivotal role in this transformation, enabling seamless online transactions that have become integral to modern financial practices. This technological evolution relies heavily on advanced payment methods, including traditional options like Visa cards and cutting-edge cryptocurrencies such as Bitcoin. The practicality of implementing a Virtual Card Issuing System to address key concerns like security, transaction speed, spending control, and cost savings is evident and increasingly necessary. Due to the digital nature of virtual cards, they inherently mitigate risks associated with physical cards, offering significant resistance to loss or theft. They provide precise spending control for both individuals and businesses, ensuring that expenditures can be monitored and managed with great accuracy. Additionally, rapid decentralized (blockchain) transaction processing ensures customer engagement by facilitating quick and efficient transactions, fostering loyalty, and enhancing profitability. Furthermore, the proposed system optimizes cash flow management, extends float periods, and introduces new income-generation opportunities. These features are particularly beneficial in a dynamic economic environment, as they allow businesses to maintain liquidity and leverage financial resources more effectively. Additional key findings of the study highlight that virtual cards can significantly reduce administrative overhead and fraud detection costs. They also facilitate real-time expense tracking and reporting, which enhances financial transparency and accountability, making financial oversight more straightforward and less time-consuming. Moreover, the study underscores that virtual cards offer a scalable solution that can grow with the needs of both small enterprises and large corporations, providing flexibility and adaptability in an ever-changing market. In the context of Malawi's growing technological landscape, this project holds significant promise for enhancing financial efficiency and security. It aligns with the nation's digital aspirations by encouraging broader economic growth, digital literacy, and the widespread adoption of digital financial tools. By fostering a more secure and efficient financial environment, the implementation of a Virtual Card Issuing System can contribute to the overall economic development of Malawi. It can empower individuals and businesses alike, providing them with the tools necessary to thrive in a digital economy. As a result, this initiative not only supports current technological trends but also lays a foundation for future innovations.

UNDERSTANDING HEARING LOSS AMONG COMMUNITY-DWELLING OLDER ADULTS FROM AN ENGAGING WITH AGING PERSPECTIVE

Abstract Engaging with Aging is an emerging framework proposed by Carnevali which provides a new lens to understand an active, conscious daily living process of coping with age-related changes (ARCs) taken on by older adults. The study aims were to 1) describe the challenges related to hearing loss experienced by community-dwelling older adults, especially during COVID-19; 2) identify the strategies and resources used by older adults to accommodate the daily living challenges caused by hearing loss. We conducted semi-structured interviews with 29 participants aged 64 to 98 online due to COVID-19 restrictions. We used a virtual card sort to assist with data gathering. Hearing loss was mentioned by 18 participants (62%) and their corresponding adaptations were discussed. We found that older adults linked their adaptations to hearing loss based on their changing hearing capacities and needs. Commonly used adaptations included lip reading, volume adjustment, and wearing hearing aids. The challenges caused by COVID-19 in implementing the adaptations were also discussed (e.g., increased difficulty in understanding others due to mask-wearing). While most participants reported making adaptations to hearing loss, some mentioned that hearing loss was “no biggie” to them so no adaptations were needed. This study substantiates the EWA framework by showing the commonality among older adults in linking hearing loss, as one of the common ARCs, with corresponding adaptations. Implications for clinicians and researchers include using EWA to help older adults identify personalized solutions that fit their hearing capacity.

Determining The Internet Risk Awareness of The Parents

With the rapid developments in science and technology, today's age has begun to be called the "technology age". With the rapid development of technology, technological devices and innovations have started to take an important place in people's lives in this age. So much so that most innovations have now become a way of life, a way of life for individuals. Undoubtedly, one of the innovations that has become a way of life for people and that has affected their lives to such a great extent has been the "Internet", which enables communication through technological devices. Internet, personal computers, phones, tablets, etc. emerges as a communication network that provides global communication with smart technological devices. Although the Internet has introduced many innovations into our lives, it also contains some risks. This research was carried out to determine the internet risk awareness of parents. For this purpose, the interview form was used. In addition to the questions revealing the descriptive characteristics of the parents in the form, there are questions about whether there are problems encountered in the internet environment and what measures are taken for the problems encountered. In this direction, 20 parents of students studying at a private college in Konya were interviewed. Qualitative research method was used to analyze the obtained data. In the study in which content analysis was used, it was determined that all of the parents used smart phones and used the internet for less than 3 hours a day. In addition, it was concluded that the majority of parents have social media accounts. In the research, it has been determined that not all of the parents have encountered any health-related problems on the internet, but some parents have encountered problems in the social media usage process, communication, banking and trade areas on the internet. In the research, it was determined that the parents resorted to security measures such as "uninstalling the application on the phone, not accepting notifications from unknown accounts, applying to cyber security, keeping privacy settings up-to-date, blocking the person, changing the password" for the problems they encountered during the social media usage process. In the research, it has been determined that the parents who encounter problems with communication on the internet resort to "blocking uncontrolled advertisements, blocking offers from unknown accounts, keeping information safe and not accepting messages from unknown accounts". In the research, it has been determined that the parents who encounter problems with banking transactions on the internet resort to security measures such as "contacting the bank, installing a virus program on their phone, taking other measures regarding banking transactions, and calling the bank by not entering their account". Finally, in the research, it has been determined that the parents who encounter problems related to commerce or shopping transactions on the internet resort to security measures such as "complaining to the authorities about the problem, choosing reliable sites, checking whether the sites are 3D reliable, and switching to virtual card application".

Engaging With Aging: A Qualitative Study of Age-Related Changes and Adaptations.

In the context of global aging, there is a need to better understand how older adults adapt to their changing health status. Engaging with aging (EWA) is an emerging framework proposed by Carnevali, which provides a new lens to understand an active, conscious daily-living process of managing age-related changes (ARCs) taken on by older adults. Study aims were to (a) describe the ARCs experienced by community-dwelling older adults and (b) identify the strategies and resources used by older adults to accommodate the daily-living challenges caused by the associated ARCs. We conducted semistructured interviews using a virtual card sort to gather qualitative data about ARCs and strategies to manage ARCs. Interviews were conducted virtually due to coronavirus disease 2019 (COVID-19) restrictions. Participants included 19 females and 10 males. The mean age was 77.45 years old (range from 64 to 98). Sixteen ARCs (e.g., changes in hearing, changes in stability, changes in sleep, etc.) were mentioned by participants, and their corresponding adaptations were discussed. Participants linked their adaptations to their ARCs based on their changing capacities and needs. Examples of commonly used adaptations included, for example, conserving energy, utilizing tools or technology, and being more conscious before and while taking actions. The challenges caused by COVID-19 in implementing the adaptations were also discussed. Findings from this study demonstrate how older adults explore, generate, and utilize adaptive behaviors to address their ARCS. This study substantiates the EWA framework by showing common patterns among older adults in linking ARCs with adaptations. Implications for clinicians include using EWA to help older adults identify personalized health solutions that fit their capacities. Researchers may use EWA to design and test interventions by considering the specific ARCs older adults encounter and the attitudes they hold towards the ARCs.

Digi Card

Most of the paper business or visiting cards have main problem of business advertising is said with share contact, location, product pictures, prices, etc. When Businessman wants to share his own identity card that point he should use a tough copy of salutation. And it's going to be scratch, explosion, forgotten and also end in an outsized amount of paper waste produced annually. This many issues overcome during this project. In, this journal we are visiting develop Digital identity card to take care of the profile up to now within the personal and professional life. A digital identity card (also referred to as virtual business cards, electronic business cards, and digital visiting cards) is a web means of sharing contact information. You'll create a digital identity card on an iPhone, iPad, Android, or computer, and they are often cheaper than their paper counterparts. It permits you to automatically update the changes in your contact information, addresses, and contrariwise, easy accessibility.

Инструменты потребительского кредитования в условиях COVID-19

The purpose of the article is to assess the use of consumer lending tools in the context of COVID-19 restrictions and predict the development directions of digital credit innovations in the consumer segment. It has been established that digital innovation in consumer lending is proceeding at a high rate, digital ecosystems, platforms and services are being formed. The qualitative side of the changes is characterized by the creation of new and modernization of traditional lending instruments produced by traditional banks and non-banking organizations. The COVID-19 pandemic has accelerated the scaling of digital technologies in lending. It was revealed that the following became widespread in the Russian market: payment by instalments, card lending, annuity target and non-target loans. Analysis of the dynamics of the consumer lending market showed that: the POS lending market in Russia is stagnating; the most popular way of consumer lending is by instalments; credit cards with instalment options are not widespread; the most innovative products are instalment plans secured by funds in electronic wallets. The development of two promising consumer lending instruments is predicted: the provision of instalments through marketplaces and digital ecosystems, which have the greatest potential for consumer lending and stimulating retail sales; card consumer lending, characterized by the replacement of the material form of instruments with virtual cards in the context of the COVID-19 pandemic.

Engaging with Aging: A Qualitative Study of Age-Related Changes and Adaptations

Engaging with Aging is an emerging framework proposed by Carnevali which provides a new lens to understand an active, conscious daily living process of coping with age-related changes (ARCs) taken on by older adults. Study aims were to 1) describe the ARCs experienced by community-dwelling older adults; 2) identify the strategies and resources used by older adults to accommodate the daily living challenges caused by the associated ARCs; and 3) evaluate the framework of EWA based on findings from aims 1 and 2. We conducted semi-structured interviews with 29 participants aged 64 to 98 online due to COVID-19 restrictions. We used a virtual card sort to assist data gathering. Fifteen ARCs (e.g., changes in hearing, changes in stability, changes in sleep, etc.) were mentioned by participants and their corresponding adaptations were discussed. We found that older adults linked their adaptations to their ARCs based on their changing capacities and needs. Commonly used adaptations included conserving energy, utilizing tools or technology, and being more conscious before and while taking actions. The challenges caused by COVID-19 in implementing the adaptations were also discussed (e.g., increased difficulty in understanding others due to mask-wearing). Our study substantiates the EWA framework by showing the commonality among older adults in linking ARCs with adaptations. Implications for clinicians and researchers include using EWA to help older adults identify personalized solutions that fit their capacities. Our study is late-breaking as we recently finished data analysis and the information included was not yet available by the previous submission deadline.

Engaging with Aging: A Qualitative Study of Age-Related Changes and Adaptations

Engaging with Aging is an emerging framework proposed by Carnevali which provides a new lens to understand an active, conscious daily living process of coping with age-related changes (ARCs) taken on by older adults. Study aims were to 1) describe the ARCs experienced by community-dwelling older adults; 2) identify the strategies and resources used by older adults to accommodate the daily living challenges caused by the associated ARCs; and 3) evaluate the framework of EWA based on findings from aims 1 and 2. We conducted semi-structured interviews with 29 participants aged 64 to 98 online due to COVID-19 restrictions. We used a virtual card sort to assist data gathering. Fifteen ARCs (e.g., changes in hearing, changes in stability, changes in sleep, etc.) were mentioned by participants and their corresponding adaptations were discussed. We found that older adults linked their adaptations to their ARCs based on their changing capacities and needs. Commonly used adaptations included conserving energy, utilizing tools or technology, and being more conscious before and while taking actions. The challenges caused by COVID-19 in implementing the adaptations were also discussed (e.g., increased difficulty in understanding others due to mask-wearing). Our study substantiates the EWA framework by showing the commonality among older adults in linking ARCs with adaptations. Implications for clinicians and researchers include using EWA to help older adults identify personalized solutions that fit their capacities. Our study is late-breaking as we recently finished data analysis and the information included was not yet available by the previous submission deadline.

Looking behind: Turning cards in the selection task.

Wason's selection task requires that one imagine which of four cards, each of which has a letter on one side and a number on the other, one would have to turn over to determine whether a statement about the cards is true or false. For example, one might see four cards showing T, H, 6, and 4 and be asked to say which card or cards one would have to turn over to determine whether a statement in the form of If a card has T on one side, it has 4 on the other is true. In the great majority of experiments with this task no cards are actually turned. This limits the conclusions that can be drawn from experimental results. In two experiments participants actually turned (had a computer turn) virtual cards so as to show what they contained on their originally hidden sides. Participants were given a monetary incentive to do well on the task, and they performed it, with trial-by-trial feedback, many times. Performance was much better than is typically obtained with the more common way of performing the task. Results also demonstrate the importance of the precise wording of the statement to be evaluated and how a misinterpretation could help account for a tendency for people to turn only a single card even when the turning of two is required. Results prompt several questions of a theoretical nature and are discussed as they relate to recent theoretical treatments of the selection task.

Banking innovations: security technology solution

The article identifies the essence of the concept of banking innovations and their role in the financial security of banking institutions. Features of development of technological banking innovations in Ukraine, including in the conditions of influence of COVID-19 are considered. The characteristics of banking innovations are considered, the criteria to be met by banking innovations both on the part of the client and on the part of the bank are identified. The classification of banking innovations according to such features as: by time aspect, by novelty, by causes of occurrence, by volume of influence, by influence on behavior, by scale of innovation, etc. is given. It is proved that the financial security of a banking institution should provide protection of banks from the impact of external and internal threats, as well as minimize the level of their negative impact. The basic principles of financial security of banking innovations in order to ensure the stable development of the latter are described. It is established that the most relevant and in demand in the market in the development of coronavirus infection were such technological innovations of remote capabilities as: contactless payments, online services, mobile banking applications, electronic money transfers, virtual cards. The peculiarities of the use of technological innovations by banking institutions in Ukraine and their impact on the security of banking institutions and customers are noted.
 In order to conduct the study, such general scientific and specific research methods were used as: the logical method, the method of analysis and synthesis, the system method, the method of theoretical generalization, the grouping method, the expert method and the method of logical analysis.

Promoting Physical Activity in Japanese Older Adults Using a Social Pervasive Game: Randomized Controlled Trial.

BackgroundPervasive games aim to create more fun and engaging experiences by mixing elements from the real world into the game world. Because they intermingle with players’ lives and naturally promote more casual gameplay, they could be a powerful strategy to stimulate physical activity among older adults. However, to use these games more effectively, it is necessary to understand how design elements of the game affect player behavior.ObjectiveThe aim of this study was to evaluate how the presence of a specific design element, namely social interaction, would affect levels of physical activity.MethodsParticipants were recruited offline and randomly assigned to control and intervention groups in a single-blind design. Over 4 weeks, two variations of the same pervasive game were compared: with social interaction (intervention group) and with no social interaction (control group). In both versions, players had to walk to physical locations and collect virtual cards, but the social interaction version allowed people to collaborate to obtain more cards. Changes in the weekly step counts were used to evaluate the effect on each group, and the number of places visited was used as an indicator of play activity.ResultsA total of 20 participants were recruited (no social interaction group, n=10; social interaction group, n=10); 18 participants remained active until the end of the study (no social interaction group, n=9; social interaction group, n=9). Step counts during the first week were used as the baseline level of physical activity (no social interaction group: mean 46,697.2, SE 7905.4; social interaction group: mean 45,967.3, SE 8260.7). For the subsequent weeks, changes to individual baseline values (absolute/proportional) for the no social interaction group were as follows: 1583.3 (SE 3108.3)/4.6% (SE 7.2%) (week 2), 591.5 (SE 2414.5)/2.4% (SE 4.7%) (week 3), and −1041.8 (SE 1992.7)/0.6% (SE 4.4%) (week 4). For the social interaction group, changes to individual baseline values were as follows: 11520.0 (SE 3941.5)/28.0% (SE 8.7%) (week 2), 9567.3 (SE 2631.5)/23.0% (SE 5.1%) (week 3), and 7648.7 (SE 3900.9)/13.9% (SE 8.0%) (week 4). The result of the analysis of the group effect was significant (absolute change: η2=0.31, P=.04; proportional change: η2=0.30, P=.03). Correlations between both absolute and proportional change and the play activity were significant (absolute change: r=0.59, 95% CI 0.32 to 0.77; proportional change: r=0.39, 95% CI 0.08 to 0.64).ConclusionsThe presence of social interaction design elements in pervasive games appears to have a positive effect on levels of physical activity.Trial RegistrationJapan Medical Association Clinical Trial Registration Number JMA-IIA00314; https://tinyurl.com/y5nh6ylr (Archived by WebCite at http://www.webcitation.org/761a6MVAy)

Process Analysis Simulation

This interactive exercise emulates a process wherein a virtual Card is created in a series of steps. It can be used to expose students to ideas and concepts in process analysis, management, and improvement. It may be used in classes focusing on operations management, project management, and software development. The simulation is run on the project-management web application Trello. It allows for simultaneous, real-time observation and collaboration between players. Students can observe other students working at the same time they are performing specific tasks. This exercise is suitable for students in either full-time or executive MBA programs, as well as executive education programs. Excerpt UVA-OM-1718 Dec. 16, 2020 Process Analysis Simulation Introduction A potential recruiter is looking to invite a team of high-performing individuals to a new software-development initiative they are initiating. Time and quality are of utmost importance to the recruiter, so they have developed a competition to test velocity and attention to detail. This task involves creating a set of virtual Cards. You and your team will be competing against several other teams for the positions. Production Process . . .

Automated shopping system using computer vision

The shopping experiment made by amazon go in USA is one of the most interesting applications of computer vision recently. They allow you to shop and automatically charge your virtual card for whatever goods you purchased using cameras and wireless systems, so no checkouts or waiting lines are required. However, amazon didn’t reveal yet the details of how their system components are implemented. In this paper, we introduce a complete system for computer vision based automated shopping. The proposed system contains barcode scanning of objects, data registration, image capturing for offline training stage, motion (change) detection, CNN and SVM for object classification and charging/discharging customers. Our system can be integrated with the wireless data transmission to do the whole shopping process. First, the proposed method extracts the objects’ barcodes to register their details, and take sample images of objects for classifier training. We employ a pre-trained CNN (i.e. ResNet50) for feature extraction and a multi-class SVM for training. After training our classifier, we have a real-time operation stage (i.e. test stage). We assume that a camera is embedded above products on each shelf to capture videos of the products. We employ a change detector to understand any added or removed items. If the item is removed from or added to the shelve, the moving object is input to CNN feature extractor, and then SVM classifier for identification and pricing. Results show that the proposed system is fast and effective.

Security and Privacy of Mobile Payments

The latest smartphones make life easier for their customers. Mobile banking in smartphones is no longer news, but users are just getting used to the opportunity to pay for a purchase by touching the gadget to the terminal using the contactless payment technology. Going into the digital world is fraught with the illusion of security: a smart gadget stands up for itself. But this is true only partly – security depends primarily on the behavior of the user. Therefore, no matter what financial applications are installed on your smartphone, you first need to master the safety technique of mobile payments. As a result of the study, it is necessary to conclude that payment applications should not think about their own solutions, but only need to properly configure the work of pre-installed solutions in smartphones, as well as: 1) regularly check your devices for malicious software; 2) do not enter card data on other people’s computers and smartphones; 3) use stores that use a secure HTTPS connection; 4) to pay for online purchases, it is better not to use your main card, but to have a virtual card.

Az élelmiszer-fogyasztói szokások változása a COVID-19 vírus megjelenéséhez kapcsolódóan Magyarországon

THE AIM OF THE PAPER The outbreak and drastic spread of the COVID-19 pandemic has caused an economic shock that lead to a measurable change in consumer behavior. The objective of this study is to research the effect of the pandemic on consumer behavior, investigate the change in the decision factors occurring at food and grocery purchases. METHODOLOGY In March-April 2020 we have conducted an online questionnaire research primarily with the use of social media and mailing lists. The acquired sample is made up of 928 filled out surveys and it is not representative. In the first segment of the questionnaire we have investigated the factors influencing choice of food. The second part focused on the change caused by the epidemic, whereas the third segment we placed the background variables. Beside descriptive statistics we applied relationship research primarily based on gender, age, profession, size of the family and income and we investigated typical behavior patterns. Following this research we have formed suggestions concerning possible marketing and commercial tools. MOST IMPORTANT RESULTS In the research the change in the attitude toward food purchasing in the following weeks of the announcement of the emergency was investigated. The shift in the place of the purchases is clearly measurable. Instead of bigger shopping malls, people tend to go to smaller shops and markets in greater proportion. The frequency of shopping has decreased, whereas the demand to substitute cash and use alternative paying methods has increased. Paying with debit and credit cards is the most widespread, however prepaying, mobile paying and using virtual cards also appears. The role acquiring food from internet sources has increased, which equips the merchants with new tools, for instance for providing information regarding healthy lifestyle. RECOMMENDATIONS As previous experiences are relevant factors concerning the decision between groceries, building brand is exceedingly important. Furthermore, marketing communication has to target reducing risk for consumers and building greater trust between the parties. The increased appreciation of smaller, local producers can be a long term effect, therefore the producers have to use the opportunity to build foundation for long term goals with the use of targeted communication, high quality products and services. Food security and available information is an important tool to reduce consumer risk. With authentic provision of information and warranties the authorities play a great role in the process.

Design and Research of Virtual Payment System in Colleges and Universities

With the development of mobile payment and intelligent technologies, virtual payment system has been introduced to campus to improve the campus payment environment and the degree of intelligence on campus, so that online and offline campus payment can be combined, and payment by scanning QR code and card can be simultaneously achieved to greatly facilitate the learning and life of teachers and students, meet their diverse payment needs and enhance the service level and payment efficiency. Based on summarizing the problems faced by traditional campus card system in application, functions, and services, this paper analyzes the goals of building a virtual payment system, and builds a virtual payment system integrating applications, such as virtual campus card, electronic payment, and aggregation payment.

EFFICIENCY OF FUNCTIONING OF VIRTUAL SERVICES OF SCIENTIFIC LIBRARY OF HIGHER EDUCATION ESTABLISMENTS: SYSTEM APPROACH AND EXPERIENCE OF USE

In the last decades, electronic media and electronic services have been added to the traditional library’s physical collections and services.Thisinvolves newrequirements as to equipment, technology and especially as to staff skills, and demands changes in processes and organization. Thus this work purpose is observation of electron resources and virtual services of science library of Kharkiv national university of radio electronics. Here we considerthe experience of creating, implementing and efficiently functioning electronic resources and virtual services of science library of Kharkiv national university of radio electronics: web site to implement various services, an electronic catalogue as a powerful information resource, virtual reader card, reference service, distance record project. The process of the university departments interaction to create the full-textdatabase of methodological resources of library of an institution of higher education and providing access to their by the library’s website was described. The reference service for library customs was operated in science library of Kharkiv national university of radio electronics. The electronic services project development were created distance self-recording and reader’s virtual card. These services allowed of the library readers first to get rid of paper documents, and, secondly, to start communication with library staff in the virtual space. Unfortunately the and reader’s virtual card was used in science library of Kharkiv national university of radio electronics. Quantity and quality factors of librarian virtual services are given. It was researched the availability of virtual services in the leading libraries of an institution of higher education. Thus virtual services complement and extend the capabilities of information services at a higher technological level and corresponds to modern trends in library service.

Effects of Social Interaction Mechanics in Pervasive Games on the Physical Activity Levels of Older Adults: Quasi-Experimental Study.

BackgroundThe novel genre of pervasive games, which aim to create more fun and engaging experiences by promoting deeper immersion, could be a powerful strategy to stimulate physical activity among older adults. To use these games more effectively, it is necessary to understand how different design elements affect player behavior.ObjectiveThe aim was to vary a specific design element of pervasive games for older adults, namely social interaction, to test the effect on levels of physical activity.MethodsOver 4 weeks, two variations of the same pervasive game were compared: social interaction for the test group and no social interaction for the control group. In both versions, players had to walk to physical locations and collect virtual cards, but the social interaction version allowed people to collaborate to obtain more cards. Weekly step counts were used to evaluate the effect on each group, and the number of places visited was used as an indicator of play activity.ResultsA total of 32 participants were recruited (no social interaction=15, social interaction=17); 18 remained until the end of the study (no social interaction=7, social interaction=11). Step counts during the first week were used as the baseline (no social interaction: mean 17,099.4, SE 3906.5; social interaction: mean 17,981.9, SE 2171.1). For the following weeks, changes to individual baseline were as follows for no social interaction (absolute/proportional): 383.8 (SE 563.8)/1.1% (SE 4.3%), 435.9 (SE 574.5)/2.2% (SE 4.6%), and −106.1 (SE 979.9)/−2.6% (SE 8.1%) for weeks 2, 3, and 4, respectively. For social interaction they were 3841.9 (SE 1425.4)/21.7% (SE 5.1%), 2270.6 (SE 947.1)/16.5% (SE 4.4%), and 2443.4 (SE 982.6)/17.9% (SE 4.7%) for weeks 2, 3, and 4, respectively. Analysis of group effect was significant (absolute change: η2=.19, P=.01; proportional change: η2=.27, P=.009). Correlation between the proportional change and the play activity was significant (r=.34, 95% CI 0.08 to 0.56), whereas for absolute change it was not.ConclusionsSocial interaction design elements of the pervasive game may have some positive effects on the promotion of physical activity, although other factors might also have influenced this effect.Trial RegistrationJapan Medical Association Clinical Trial Registration Number JMA-IIA00314; https://dbcentre3.jmacct.med.or.jp/JMACTR/App/JMACTRS06/JMACTRS06.aspx?seqno=7274 (Archived by WebCite at http://www.webcitation.org/761a6MVAy)

The effects of risk appraisal and coping appraisal on the adoption intention of m-payment

Purpose Although debit and credit cards are widely accepted, consumers still have significant concerns pertaining to the risk of the cards’ usage. Mobile payment (m-payment) acts as identification and a virtual card for consumers, and is viewed as more secure than card payments. However, the influence of consumers’ appraisal of debit and credit cards usage and using m-payment on the adoption intention of m-payment is unclear. Using the protection motivation theory, the purpose of this paper is to explore the effect of risk appraisal of using debit or credit cards and coping appraisal of using m-payment on the adoption intention of m-payment. Design/methodology/approach A total of 418 volunteers participated in this study, and structural equation modeling was employed to test the employed conceptual model. Findings The results revealed that risk appraisal (i.e. vulnerability, severity and benefit) of using debit or credit cards did not affect m-payment adoption intention. Moreover, self-efficacy and response efficacy positively affected m-payment adoption intention, whereas response cost negatively influenced m-payment adoption intention. Originality/value Both theoretical and practical implications are presented in this paper for m-payment marketers to develop effective communication strategies for promoting m-payment adoption.