Factors Influencing People’s Intention to Adopt E-Banking: An Empirical Study of Consumers in Shandong Province, China

E-Banking is growing at an unprecedented rate and has become a truly worldwide phenomenon, offering convenience, flexibility and interactivity for those that can, and know how to access it. This is clearly evidence in China. However, despite such growth and popularity, some users still have reservations about using Information and communication technology (ICT) in their daily banking activities, perhaps due to deep routed cultural factors that cause consumers to question the efficacy of such changes. Through the application of a technology acceptance framework, and empirical evidence from 52 E-Banking user questionnaires and four key market segment interviews, the research explores the factors that influence consumers’ intention to adopt E-Banking in Shandong Province of China. The findings highlight that perceived usefulness and perceived credibility are significant factors which have a positive influence on consumers’ intention to utilise E-Banking, while perceived ease of use and perceived cost are less significant. Unpacking the reasons for resistance to the use of E-Banking highlighted that “difficult to operate”, “unnecessary to use it” and “worry about the security” are key drivers and therefore challenges for the service providers. Based on the results, recommendations are drawn for banks, involving focusing on the significant factors, avoiding weaknesses and optimising strengths of E-Banking and ultimately developing more accurate market positioning strategies to align and manage consumer expectations and maximise potential acceptance

Focusing on the comparative analysis with the influencing factors of police and government trust

학위논문(석사) -- 서울대학교대학원 : 행정대학원 글로벌행정전공, 2022. 8. 김봉환.The public's support and trust in the military is the most important factor in raising the morale of the military, and the importance of the people's trust in the military in the Republic of Korea, which has a conscription system, should be specially emphasized. However, apart from this importance, studies on military trust are rare, and most of them emphasize the importance of military trust in a slogan and declarative manner. Specifically, it is even more difficult to find studies that examine and analyze the factors affecting military trust. This is because military trust and government trust were not considered separately. However, considering the peculiarities of the military organization, the government and the military cannot be viewed the same. In addition, the military has characteristics that distinguish it from the police, a group that is often compared to the military in terms of treatment and service conditions. This thesis attempted to compare the influence of individual citizens' perceptions of the organization on the trust of the military, police, and government, and whether there are differences in the influencing factors between the target organizations, and finally derive implications for enhancing military trust. In order to analyze this, independent variables were analyzed by dividing them into trust subject factors (participation propensity, ideology propensity, and trust propensity) and trust target factors (integrity of organization and fairness of organization), and dependent variables were divided into military trust, police trust, and government trust. For the analysis, data from the 2020 Korea Institute of Public Administration (KIPA)'s 'Social Integration Survey' were used. The relationship between independent and dependent variables was verified through multiple regression analysis. The analysis results are as follows. First, the factors affecting trust in the military, police and government are not the same. Second, an individual's propensity to participate in a group has a positive effect on organizational trust and sometimes does not have a significant effect. Third, an individual's ideology propensity may also have a positive effect on organizational trust or may not have a significant effect. Fourth, personal trust propensity has a positive effect on organizational trust. Fifth, the perception of organizational integrity has a positive effect on organizational trust, and this variable was found to have the greatest influence on organizational trust in all target organizations. Finally, the perception of organizational fairness positively affects the organizational trust of all target organizations. Through the study results, the following policy implications could be drawn. First, in terms of people's trust in the organization, it was confirmed that trust in the military needs to be approached separately from trust in the police and trust in the government. There was a difference in whether each variable affected the trust of each organization. In particular, unlike the trust target factors of the trustors, it was concluded that the effect of the trust subject factors on organizational trust is different, raising the need for related research. Next, some personal propensities affect military trust. Among the independent variables, an individual's horizontal group participation propensity, an individual's vertical group participation propensity, and an individual's trust propensity were found to affect military trust. Among them, it is the same result as other organizations (police, government) that trust in the military increases as an individual's trust propensity increases. The results of this study also support the results of many literature reviews. Third, the fact that vertical group participation has a positive relationship of trust in the military is a unique result different from those influencing the police and the government. This can be understood as that people who have a lot of experience participating in hierarchical networks understand and trust the military more easily. Fourth, as a difference from trust in the police or the government, it was found that an individual's ideology propensity has nothing to do with trust in the military. It is judged to be a great advantage from the point of view of an organization that needs to gain broad and continuous trust regardless of the situation. As a reason for this result, it can be considered that South Korea has a large number of people with direct experience in the military due to the conscription system. In other words, unlike other organizations, it can be inferred that trust in the military is determined based on the experience of the individual or close acquaintances, regardless of individual ideological propensities. Of course, research on whether these results are consistent in future studies and what is the main cause of the results should be done separately. Finally, it was confirmed that the perception of organizational integrity and fairness strongly influences military trust. When transparent procedures and systems are established in all operational procedures of the military and the administration is implemented without corruption in military service, the military will be able to secure the trust of the people. The military and the Ministry of National Defense need to continue to work hard to come up with policies and systems that reinforce integrity and fairness.군에 대한 국민의 지지와 신뢰는 군의 사기를 높이는데 무엇보다 중요한 요소이며, 특히 징집제도를 시행하고 있는 대한민국에서 국민이 군을 신뢰한다는 것에 대한 중요성은 특별히 강조되어야 하는 부분이다. 하지만, 이러한 중요성과는 별개로 군 신뢰에 관한 연구는 드물며, 기존 수행된 연구는 군 신뢰의 중요성을 구호적이고, 선언적으로 강조하는 것이 대부분이다. 구체적으로, 군 신뢰의 영향요인을 고찰하고, 분석한 연구는 더더욱 찾아보기 어렵다. 이는 군 신뢰와 정부 신뢰를 분리하여 생각하지 않았기 때문이다. 그러나, 군이라는 조직의 특수성을 고려할 때, 정부와 군은 동일하게 볼 수 없다. 또한 군은 처우나 복무 여건 등에서 군인과 자주 비교되는 집단인, 경찰과도 구분되는 특성을 가지고 있다. 본 논문은 국민 개개인의 성향과 조직에 대한 인식이 군대, 경찰, 그리고 정부 각각의 신뢰에 미치는 영향과, 대상 조직 간 영향요인에 차이점이 있는지 비교해 보고, 최종적으로는 군 신뢰 제고를 위한 시사점을 도출하고자 하였다. 이를 분석하기 위하여 독립변수를 신뢰주체요인(개인의 단체참여성향, 이념성향, 신뢰성향)과 신뢰대상요인(조직의 청렴성과 공정성에 대한 인식)으로 나누어 분석하였으며, 종속변수를 군 신뢰, 경찰 신뢰, 그리고 정부 신뢰로 나누어 측정하였다. 분석을 위해 2020년 한국행정연구원 ‘사회통합실태조사’ 데이터를 활용하였으며, 다중회귀분석을 통해 독립변수와 종속변수 간의 관계를 검증하였다. 분석 결과는 다음과 같다. 첫째, 군, 경찰, 그리고 정부의 신뢰에 영향을 주는 요인들은 동일하지 않다. 둘째, 개인의 단체참여성향은 조직신뢰에 긍정적인 영향을 미치기도 하고, 유의미한 영향을 미치지 못하기도 한다. 셋째, 개인의 이념성향 역시 조직신뢰에 긍정적인 영향을 미치기도 하고, 유의미한 영향을 미치지 못하기도 한다. 넷째, 개인의 신뢰성향은 조직신뢰에 긍정적으로 영향을 미친다. 다섯째, 조직 청렴성에 대한 인식은 조직 신뢰에 긍정적인 영향을 미치며, 이 변수는 대상 조직 모두에게서, 조직 신뢰에 미치는 영향력이 가장 큰 것으로 나타났다. 마지막으로, 조직 공정성에 대한 인식은 대상 조직 모두의 조직신뢰에 긍정적으로 영향을 미친다. 연구 결과를 통해 다음과 같은 시사점과 정책적 함의를 도출할 수 있었다. 우선, 국민의 조직에 대한 신뢰 차원에서, 군 신뢰는 경찰 신뢰, 정부 신뢰와는 구분하여 접근할 필요가 있다는 것을 확인하였다. 각 변수들이 각 조직들의 신뢰에 영향을 미치는 여부는 조금씩 차이가 있었다. 특히 신뢰자의 신뢰대상요인과 달리, 신뢰주체요인이 조직 신뢰에 미치는 영향이 각각 다르다는 결과를 도출함으로써, 관련 연구가 진행되어야 할 필요성을 제기하였다. 다음으로, 개인의 일부 성향은 군 신뢰에 영향을 미치는데, 독립 변수 중 개인의 수평적단체 참여성향, 개인의 수직적단체 참여성향, 개인의 신뢰성향이 군 신뢰에 영향을 미치는 것으로 나타났다. 이 중, 개인의 신뢰성향이 높을수록 군에 대한 신뢰가 높아진다는 것은 다른 조직(경찰, 정부)과 같은 결과이다. 이 연구 결과는 또한 많은 선행연구들의 결과를 지지하는 것이다. 셋째, 수직적 단체참여가 군 신뢰와 정의 관계가 있다는 것은 경찰, 정부 영향요인과 다른 군 신뢰 영향요인만의 독특한 결과이다. 이것은 서열이 존재하는 네트워크에 참여한 경험을 많이 가지고 있는 국민이 군대라는 조직을 보다 쉽게 이해하고 신뢰한다는 것으로 이해될 수 있다. 넷째, 경찰이나 정부 신뢰 영향요인과의 또다른 차별점으로, 개인의 이념성향은 군 신뢰와 무관하다는 결과가 나왔는데, 이러한 결과는 군에 대한 정책을 수립하고, 그 집행 결과를 국민들에게 알림에 있어서, 정권이나 지역의 정치색과 관계없이 광범위하고 지속적인 신뢰를 얻어야 하는 조직 입장에서 굉장히 유리한 이점이라고 판단된다. 이러한 결과에 대한 원인으로, 한국은 징집제로 인해 군대를 직접 경험한 사람이 다수라는 것이 고려될 수 있다. 즉, 타 조직과 달리, 군에 대한 신뢰는 개인의 이념성향과는 무관하게, 본인의 또는 가까운 지인의 경험에 근거해서 결정된다고 유추해볼 수 있는 것이다. 물론, 이런 결과가 향후 연구에서도 지속적으로 일치하는지, 결과에 대한 정확한 원인이 무엇인가에 대한 연구 등은 별개로 이루어져야 할 것이다. 끝으로, 조직의 청렴성과 공정성에 대한 인식은 군 신뢰에 강력하게 영향을 미친다는 것을 확인하였다. 군의 모든 운영절차에서 투명한 절차와 제도를 구축하고, 병역비리 없이 행정이 이행되었을 때, 군은 국민에 대한 신뢰를 확보할 수 있을 것이다. 군과 국방부는 앞으로도 청렴성과 공정성을 강화하는 정책과 제도 마련에 지속 힘써야 할 필요가 있다.Chapter 1. Introduction 1 1.1 Study Background 1 1.2 Purpose of Research 3 Chapter 2. Theoretical Discussion and Literature Review 5 2.1 Theoretical Discussion of Trust and Organizational Trust 5 2.2 Comparison of the Characteristics of Military, Police, and Government organizations 9 2.3 Literature Review on the Influencing Factors of Military, Police and Government Trust 14 2.4 Organizational Trust Influence Factors and Results of Literature Review 19 Chapter 3. Data and Model 29 3.1 Research Model 29 3.2 Data and Composition of Samples 30 3.3 Measurement of Variables 32 3.4 Analysis method 34 Chapter 4. Results 35 4.1 Descriptive Statistics Analysis 35 4.2 Correlation analysis 36 4.3 Multiple Regression 40 4.4 Results 46 Chapter 5. Conclusion 49 5.1 Conclusion of Study Results 49 5.2 Policy Implications 50 5.3 Limitations of Research and Future Research Tasks 54 Bibliography 55 Abstract in Korean 58석

Artikel Isna Fitria - Society Reception on the Marine Ecotourism in Minneapolitan Region of Sidoarjo District

Desa Balongtani Jabon Sidoarjo memiliki potensi yang besar namun perlu mendapatkan dukungan dari semua pihak. Dalam bidang kesehatan Desa Balong Tani memiliki beberapa Posyandu aktif dengan kader yang handal dan berkomitmen baik dalam meningkatkan kesehatan ibu dan anak. Permasalahan yang terdapat di Desa Balongtani antara lain kebiasaan warga menggunakan MP-ASI (Makanan Pendamping ASI) instan, pembinaan kader kurang inovatif dan masih terdapat bayi balita dengan gizi kurang dan BGM (Bawah Garis Merah). Pengabdian Masyarakat PPDM (Program Pengembangan Desa Mitra) ini mengoptimalisasi 1000 HPK di desa Balongtani Jabon Sidoarjo melalui kegiatan sosialisasi dan pemahaman terhadap 1000 HPK kepada kader dan kelompok sasaran, pendampingan pembuatan MP-ASI untuk bayi balita usia 6 – 24 bulan dan pembuatan produk makanan kaya gizi bagi ibu hamil. Selain itu dilakukan revitalisasi Posyandu dan strategi pemasaran produk MP-ASI. Program ini melakukan pendekatan penyelesaikan masalah melalui pemberdayaan kader dan kelompok sasaran dengan target meningkatkan tata kelola masyarakat, sumber daya manusia, serta perbaikan sumber daya alam melalui tata kelola layanan Posyandu Kata kunci : Gizi, 1000 HPK, kader Posyandu,, MP-ASI Balongtani Village Jabon Sidoarjo has great potential but needs to get support from all parties. In the health field Balong Tani village has several active Posyandu with cadres who are reliable and committed both in improving the health of mothers and children. The problems in the Balong Tani Village include the habit of residents using instant MP-ASI (Breast Milk Complementary Food), the cadre coaching less innovative and there are still under nutrition toddlers and BGM (Below the Red Line). This Community Service PPDM optimizes 1000 HPK in the village of Balongtani Jabon Sidoarjo through socialization activities and understanding of 1000 HPK to cadres and target groups, mentoring to make MP-ASI (Breast Milk Complementary Food) for infants aged 6-24 months and the manufacture of nutrient-rich food products for pregnant women. In addition, the Posyandu revitalization and marketing strategies for MP-ASI (Breast Milk Complementary Food) products were carried out. This program approaches the problem solving through empowering cadres and target groups with the target of improving community governance, human resources, and improving natural resources through the management of Posyandu services. Keywords: Nutrition, the first thousand days of life, Posyandu cadres, MP-AS

THE role of the technology acceptance model in information systems research: a case study

Explaining the factors that lead to use and acceptance of information technology (IT), both at individual and organizational levels, has been the focus of information systems (IS) researchers since 1970s. The Technology Acceptance Model (TAM) is known as such an explanatory model and has increasingly gained recognition due to its focus on theories of human behaviour. Although this model has faced with some criticism in terms of not being able to fully explain the social-technical acceptance of technology, it is still known as one of the best IS methodologies that contributes greatly to explaining it. This paper discusses, describes and explains TAM as one of the well-known information system research methodologies and attempts to demonstrate how this model can be applied in practice in IS research projects. TAM is widely used in different areas of IS studies such as e-commerce, e-business, multimedia and mobile commerce. This paper shows how TAM can be applied in an IS research project by referring to a case study conducted in the area of mobile banking in the UK. This paper aims to contribute to IS research by providing an informed criticism of TAM as well as a clear proposal on how to use it

Social Distance and Information Avoidance in Public Security Events: A Dual Involvement Perspective

With the large spread of information thanks to ICT, public security events are increasingly focused on by the public. But meanwhile, the phenomenon of people’s information avoidance in these events still exists and even becomes more prominent. However, existing studies on information avoidance have ignored such an important context (i.e., public security event) and the influence of people’s perceptions of social relationship. To fill the gaps, we develop a model to explore the influence of social distance on information avoidance through two opposite mechanisms from a dual involvement perspective, perceived relevance and negative affect, in the context of public security events. We also consider self-efficacy’s moderating role to identify the boundary conditions. A scenario-based survey with college students was conducted to test the proposed research model. Finally, theoretical contributions and practical implications are discussed

The Analysis of Influencing Factors and Promotion Strategy for the Use of Mobile Banking

The main factors that influence the mobile banking’ s promotion are specifically analyzed based on the three-factor theory, namely the external environmental factors, internal factors of consumers and marketing factors. It can come to a conclusion that culture, perception of risk, marketing factors are the three main factors that affect mobile banking’ s marketing. Then the effective countermeasures are put forward as well in the paper. Key words: Mobile banking; Consumer behaviour; MarketingRésumé: Les facteurs de canalisation qui influencent la promotion d'opérations bancaires mobile sont spécifiquement analysés basés sur la théorie de trois-facteur, à savoir les facteurs environnementaux externes, facteurs internes des consommateurs et facteurs de vente. Elle peut arriver à une conclusion que la culture, perception de risque, lançant des facteurs sur le marché sont les trois facteurs principaux qui affectent la gestion bancaire mobile. Alors les contre-mesures efficaces sont aussi bien proposés dans le papier. Mots clés: Opérations bancaires mobiles; Comportement du consommateur; Commercialisatio

The interaction between marketing dynamics and the perception of healthy food choices

The present focus on healthy living has created many business opportunities including the health food market. With the increase interest and the rapid growth, many significant changes with regard to people\u27s perception and interactions with food choices are inevitable. Therefore, this study seeks to expand the marketing literature with regard to interaction between marketing dynamics and perceptions of healthy food choices. The sample consisted of 150 survey questionnaire respondents. The unit of analysis for this research was identified as the Edith Cowan University and therefore the sample was drawn from within the university. The research framework for the study was aimed at examining people\u27s perceptions and consumer needs with regard to healthy foods; demographic and psychographic influences on healthy food choices; and the impact of personal value and culture on healthy food perceptions. The data collected were analyzed using SPSS and various techniques such as Factor analysis, Regression analysis, ANOVA and T-tests were used to examine the statistical significance of the data. However the results indicated both consistent as well as inconsistent findings with the existing marketing literature as well as new findings contributing to better understand the health food market. Further, this study will provide findings that can be used to develop regulations aimed at controlling food advertising as well as help build a health conscious society by increasing awareness of how to lead a healthier lifestyle through food choices

The Intention to Participate in Voluntary Social Insurance of Informal Sector Workers: the Case in Mekong Delta, Vietnam

Purpose: The objective of this study is to develop the participation of informal sector workers in voluntary social insurance to ensure the Social Security policy of the Government of Vietnam.   Theoretical Framework: Based on the results compiled from expert as: Kotler, 2003; Schiffman and Kanuk, 2007; Ming-Chi Lee, 2009; Holmgren et al., 2016 and Krajaechun and Praditbatuga, 2019. The model was preliminarily designed by the author through eight prefix variables including: Confidence in Benefits, Evaluation of Social Responses, Perception of risks, Beliefs, Motivation, Attitude towards Voluntary social insurance, Subjective norms, and Intention to participate in Voluntary social insurance.   Methodology: This study employs primary data from a survey of 370 people working in informal workers in 04 province of the Mekong Delta region of Vietnam: Kien Giang Province, Tra Vinh Province, Hau Giang Province and Soc Trang Province. The Authors using Partial Least Squares-Structural Equation Modeling (PLS-SEM) and Bootstrap analysis in the SEM reliability test employed for data analysis and interpretation.   Findings: Research results show that two factors that affect the intention to participate in voluntary social insurance of workers in the informal sector: Attitude towards social insurance and subjective norms.   Solutions: From the research results, the authors have proposed solutions to further improve the participation in voluntary social insurance of workers in the informal sector in the Mekong Delta, Vietnam in future

The Impact of Social Media Strategies of Non-Profit Organizations on Covid-19 Donation Intention in Indonesia

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