The Impact Of Technology Trust On The Acceptance Of Mobile Banking Technology Within Nigeria

With advancement in the use of information technology seen as a key factor in economic development, developed countries are increasingly reviewing traditional systems, in various sectors such as education, health, transport and finance, and identifying how they may be improved or replaced with automated systems. In this study, the authors examine the role of technology trust in the acceptance of mobile banking in Nigeria as the country attempts to transition into a cashless economy. For Nigeria, like many other countries, its economic growth is linked, at least in part, to its improvement in information technology infrastructure, as well as establishing secure, convenient and reliable payments systems. Utilising the Technology Acceptance Model, this study investigates causal relationships between technology trust and other factors influencing user’s intention to adopt technology; focusing on the impact of seven factors contributing to technology trust. Data from 1725 respondents was analysed using confirmatory factor analysis and the results showed that confidentiality, integrity, authentication, access control, best business practices and non-repudiation significantly influenced technology trust. Technology trust showed a direct significant influence on perceived ease of use and usefulness, a direct influence on intention to use as well as an indirect influence on intention to use through its impact on perceived usefulness and perceived ease of use. Furthermore, perceived ease of use and perceived usefulness showed significant influence on consumer’s intention to adopt the technology. With mobile banking being a key driver of Nigeria’s cashless economy goals, this study provides quantitative knowledge regarding technology trust and adoption behaviour in Nigeria as well as significant insight on areas where policy makers and mobile banking vendors can focus strategies engineered to improve trust in mobile banking and increase user adoption of their technology

An Approach to Select Cost-Effective Risk Countermeasures Exemplified in CORAS

Risk is unavoidable in business and risk management is needed amongst others to set up good security policies. Once the risks are evaluated, the next step is to decide how they should be treated. This involves managers making decisions on proper countermeasures to be implemented to mitigate the risks. The countermeasure expenditure, together with its ability to mitigate risks, is factors that affect the selection. While many approaches have been proposed to perform risk analysis, there has been less focus on delivering the prescriptive and specific information that managers require to select cost-effective countermeasures. This paper proposes a generic approach to integrate the cost assessment into risk analysis to aid such decision making. The approach makes use of a risk model which has been annotated with potential countermeasures, estimates for their cost and effect. A calculus is then employed to reason about this model in order to support decision in terms of decision diagrams. We exemplify the instantiation of the generic approach in the CORAS method for security risk analysis.Comment: 33 page

Non-Technical Individual Skills are Weakly Connected to the Maturity of Agile Practices

Context: Existing knowledge in agile software development suggests that individual competency (e.g. skills) is a critical success factor for agile projects. While assuming that technical skills are important for every kind of software development project, many researchers suggest that non-technical individual skills are especially important in agile software development. Objective: In this paper, we investigate whether non-technical individual skills can predict the use of agile practices. Method: Through creating a set of multiple linear regression models using a total of 113 participants from agile teams in six software development organizations from The Netherlands and Brazil, we analyzed the predictive power of non-technical individual skills in relation to agile practices. Results: The results show that there is surprisingly low power in using non-technical individual skills to predict (i.e. explain variance in) the mature use of agile practices in software development. Conclusions: Therefore, we conclude that looking at non-technical individual skills is not the optimal level of analysis when trying to understand, and explain, the mature use of agile practices in the software development context. We argue that it is more important to focus on the non-technical skills as a team-level capacity instead of assuring that all individuals possess such skills when understanding the use of the agile practices.Comment: 18 pages, 1 figur

Prejudice and Racism: Challenges and Progress in Measurement

The intent of this chapter is to review three categories of prejudice measures that practitioners and researchers can use in practice or research. Given that a recent comprehensive review of self-report racial prejudice measures was completed by Biernat and Crandall (1999), this chapter focuses on new developments in self-report measures of racial and anti-gay prejudice. Anti -gay prejudice is an important clinical and research area, and to date, only a few critical reviews of instruments measuring negative attitudes toward gay men and lesbian women have appeared in the literature (Herek, 1994; O\u27Donohue & Caselles, 1993; Schwanberg, 1993). Emerging prejudice measurement issues are the final focus, specifically addressing theoretical developments and the implications for prejudice measurement. Concluding comments address future needs in prejudice measurement and the application to counseling practice and research

Assessing regional digital competence: Digital futures and strategic planning implications

Understanding strategic decisions aimed at addressing regional economic issues is of increasing interest among scholars and policy makers today. Thus, studies that proffer effective strategies to address digital futures concerns from social and policy perspectives are timely. In light of this, this research uses strengths, weaknesses, opportunities and threats (SWOT) analysis tool to frame a regional strategy for digital futures to enhance place-specific digital connectivity and socio-economic progress. Focus group discussions and a structured questionnaire were conducted to examine a SWOT for a digital economy strategy in the Southern Downs Region in Queensland, Australia. The findings show that while the proposed regional strategies for digital futures are susceptible to internal and external forces, strategic planning makes them manageable. The study’s findings also reveal that adaptive strategic planning can help regulate the effects of internal and external factors that shape individual and organisational responses to digital transformation, and that these factors promote regional competitiveness

The Knowledge Application and Utilization Framework Applied to Defense COTS: A Research Synthesis for Outsourced Innovation

Purpose -- Militaries of developing nations face increasing budget pressures, high operations tempo, a blitzing pace of technology, and adversaries that often meet or beat government capabilities using commercial off-the-shelf (COTS) technologies. The adoption of COTS products into defense acquisitions has been offered to help meet these challenges by essentially outsourcing new product development and innovation. This research summarizes extant research to develop a framework for managing the innovative and knowledge flows. Design/Methodology/Approach – A literature review of 62 sources was conducted with the objectives of identifying antecedents (barriers and facilitators) and consequences of COTS adoption. Findings – The DoD COTS literature predominantly consists of industry case studies, and there’s a strong need for further academically rigorous study. Extant rigorous research implicates the importance of the role of knowledge management to government innovative thinking that relies heavily on commercial suppliers. Research Limitations/Implications – Extant academically rigorous studies tend to depend on measures derived from work in information systems research, relying on user satisfaction as the outcome. Our findings indicate that user satisfaction has no relationship to COTS success; technically complex governmental purchases may be too distant from users or may have socio-economic goals that supersede user satisfaction. The knowledge acquisition and utilization framework worked well to explain the innovative process in COTS. Practical Implications – Where past research in the commercial context found technological knowledge to outweigh market knowledge in terms of importance, our research found the opposite. Managers either in government or marketing to government should be aware of the importance of market knowledge for defense COTS innovation, especially for commercial companies that work as system integrators. Originality/Value – From the literature emerged a framework of COTS product usage and a scale to measure COTS product appropriateness that should help to guide COTS product adoption decisions and to help manage COTS product implementations ex post

An Empirical Study on Decision making for Quality Requirements

[Context] Quality requirements are important for product success yet often handled poorly. The problems with scope decision lead to delayed handling and an unbalanced scope. [Objective] This study characterizes the scope decision process to understand influencing factors and properties affecting the scope decision of quality requirements. [Method] We studied one company's scope decision process over a period of five years. We analyzed the decisions artifacts and interviewed experienced engineers involved in the scope decision process. [Results] Features addressing quality aspects explicitly are a minor part (4.41%) of all features handled. The phase of the product line seems to influence the prevalence and acceptance rate of quality features. Lastly, relying on external stakeholders and upfront analysis seems to lead to long lead-times and an insufficient quality requirements scope. [Conclusions] There is a need to make quality mode explicit in the scope decision process. We propose a scope decision process at a strategic level and a tactical level. The former to address long-term planning and the latter to cater for a speedy process. Furthermore, we believe it is key to balance the stakeholder input with feedback from usage and market in a more direct way than through a long plan-driven process