Adoption of E-Payment Systems in the Philippines

Studi ini bertujuan untuk mengeksplorasi faktor-faktor yang memengaruhi konsumen Filipina dalam mengadopsi sistem pembayaran elektronik. Analisis korelasi Spearman digunakan untuk menganalisis data yang dikumpulkan dari 83 karyawan Departemen Pemasaran perusahaan yang menggunakan pembayaran belanja online. Hasil penelitian menunjukkan bahwa signifikansi dari konstruk, yaitu perceived risk, trust, security, use of web-assurance seals, perceived use, dan perceived advantage tidak memadai untuk menentukan hubungannya dengan niat mengadopsi sistem pembayaran elektronik. Oleh karena itu, faktor yang digunakan dalam penelitian ini bukanlah satu-satunya faktor pendorong yang akan memengaruhi keputusan pelanggan

Go Digital! Determinants of Continuance Usage of Mobile Payment Apps: Focusing on the Mediating Role of Gamification

Background: COVID-19 spread over the last two years has been instrumental in shifting physical banking transactions to mobile-based banking transactions. Recently, M-payments have dominated online and point-of-sale (POS) transactions in the Asia-pacific region. Therefore, there was a need to study the factors influencing M-payments. This research has been conducted to determine the significant factors influencing the usage and continuance usage of M-payment apps in an emerging country and particularly how gamified features enhance the usage of M-payments apps.is study is based on the perspectives of the Unified theory of acceptance and use of technology (UTAUT2) and information system success (ISS) theory, and it adds three new determinants—trust, gamified features, and continued use of mobile payments to better explain and forecast users\u27 behavioral intentions and continued use of mobile payment applications (M-payments apps). Method: The research has employed two studies on sample data from young users of M-payment apps (n=898), the dataset was analyzed through structural equation modelling for mediation and moderation analysis in study one. The second study was grounded through Vignette experiments to analyze the effects of the degree of gamified features on the continued usage of M-payments. Results: The results reported that behavioral intention to adopt, and usage of mobile payments are significantly mediated by gamified features and gamified features are partially mediating continuance usage of M-payments. Trust is the key to enabling continuance usage amongst the users of M-payments. These findings extend the understanding of users’ continuance intention in the context of payments apps. Conclusion: This study would be helpful in presenting insights for the M-payments service providers and the associated banks to develop strategy for the continuance usage of mobile payment apps

Emerging Opportunities: Monitoring and Evaluation in a Tech-Enabled World

Various trends are impacting on the field of monitoring and evaluation in the area of international development. Resources have become ever more scarce while expectations for what development assistance should achieve are growing. The search for more efficient systems to measure impact is on. Country governments are also working to improve their own capacities for evaluation, and demand is rising from national and community-based organizations for meaningful participation in the evaluation process as well as for greater voice and more accountability from both aid and development agencies and government.These factors, in addition to greater competition for limited resources in the area of international development, are pushing donors, program participants and evaluators themselves to seek more rigorous – and at the same time flexible – systems to monitor and evaluate development and humanitarian interventions.However, many current approaches to M&E are unable to address the changing structure of development assistance and the increasingly complex environment in which it operates. Operational challenges (for example, limited time, insufficient resources and poor data quality) as well as methodological challenges that impact on the quality and timeliness of evaluation exercises have yet to be fully overcome

Customer Service Retention – A Behavioural Perspective of the UK Mobile Market

Abstract Customer retention is essential for firms in the service sector and will subsequently receive a great deal of attention in the coming years. A large majority of firms are losing their current customers at a significant rate. UK operators lose over a third of their subscribers every year in spite of incurring large customer acquisition and retention expenditures. A study of customer retention from a variety of angles, including economic, behavioural and psychological perspectives, was rigorously carried out. It has been found that a majority of scholars explain customer retention from a behavioural perspective by using unrelated or indirect factors such as trust and commitment, price terms, and loyalty terms. It has also been noted that previous studies lack a clear theoretical background and a solid empirical proof to support their findings of customer operant retention behaviour. This study approaches the customer retention problem in the mobile phone sector from a behavioural perspective, applying the Behavioural Perspective Model as the main analytical framework. The model includes a set of pre-behaviour and post-behaviour factors to study consumer choice and explains its relevant drivers in a viable and comprehensive way, grounded in radical behaviourism. Many data collection methods were used to collect data from the study sample, including mobile contracts content analysis techniques, customer focus groups, and, principally, a customer survey supported by interviews with a number of managers. The data were analysed using different regression measurements to test the study model, and the propositions were constructed and tested quantitatively and discussed qualitatively. Analysis revealed that a customer will buy a mobile telecommunication package and engage in a long-term relationship with a supplier whom he or she believes will honour the relationship’s functional and emotional benefits; the consumer will be expecting to obtain such benefits when he/she buys, consumes, and has a positive experience of both the purchased object and the seller

Entrepreneurs and Environmental Sustainability in the Digital Era: Regional and Institutional Perspectives

Climate change and environmental degradation have negatively affected the sustainable development of mankind. The “green” concept has been gradually accepted by the public, thereby strongly promoting “green” business forms and social innovation. This study adopts related information and technology knowledge and experience and warm glow (altruistic value) for business initiatives as push factors, market opportunity (MO) and personal innovativeness (PI) in technology as pull factors, and institutional theory (regulatory support and normative support) as mooring factors. These factors are employed to analyze the switching intentions of individuals toward green entrepreneurship, which is a new persuasive psychological model based on Push–Pull–Mooring model (PPM). The survey questionnaires are collected from a total of 1562 respondents through WeChat in mainland China. The study findings present all variables that significantly affect individuals’ switching intentions toward green entrepreneurs. PI exhibits the most significant impact on intention of individuals toward green entrepreneurship, while the interaction between the mooring factor and MO on switching intentions to green entrepreneurship is relatively weak. Finally, the study contributes theoretical and practical implications for increasing intentions toward green entrepreneurship

Unveiling the Online-Offline Divide: Predicting Retail Channel Membership for Luxury Jewelry Consumers Using Discriminant Analysis

The study explores the factors that influence consumers to choose between online and offline channels for purchasing products and services. Using a quantitative approach, data was collected from 352 respondents through a survey and analyzed using discriminant analysis. The study found that consumers tend to purchase products online for self- gratification, better offers, relative price, variety of products, product information, and better price comparison. On the other hand, consumers choose offline channels for quality, reliable information, quality of judgment, and better after-sales services. The papers implications extend to marketing practitioners, specifically in luxury product marketing for segmentation, targeting, and positioning

Cashless Society in Progress: Capturing Different Generations’ Perspectives toward External Influence in E-Wallet Usage

The use of non-cash transaction, which is currently popular in the public, has made the topic of a cashless society discussed more often. A cashless society is a condition where people transact without using cash money so that it leads to the process from the conventional into the cashless society. In this condition, the involvement of each generation is needed. This study tries to investigate how each generation's perspective—both the younger generation and the older generation, toward the external factors, namely social influence, government support, and network externalities—affect their use of non-cash transactions in the form of e-wallet. The data were collected using focus group discussion (FGD) and a survey of 489 respondents. The data were analyzed using PLS-SEM. This research reveals how different generations have a different perspective on e-wallet and the government support has a more significant influence on the older generation than the younger generation, who tend to be more influenced by peers or family. However, both generations emphasized how the network externalities influenced the continuance usage in this service. This result implies the importance of e-wallet service providers to expand the network and collaborating with various actors to retain customers

Consumer use of mobile banking (M-Banking) in Saudi Arabia: Towards an integrated model

YesMobile banking is one of the most promising technologies that has emerged in recent years and could prove to have considerable value to both banks and customers. Thus, this study recognises the need to test the main factors that could predict the use of mobile banking as well as how using such a system could contribute to both customer satisfaction and customer loyalty. The conceptual model of this study combines two models (i.e. UTAUT2 and the D&M IS Success Model). A questionnaire survey was conducted to collect the required data from convenience sampling of Saudi bank customers. The main factors – performance expectancy, price value, facilitating conditions, hedonic motivation, habit, system quality and service quality – were found to have a significant impact on actual use behaviour. This study was cross-sectional, therefore future studies should implement longitudinal studies in order to re-collect the findings. Further, this study adopted convenience sampling of Saudi M-Banking users. This may adversely impact the issue of generalisability to the whole population. The gap in the M-Banking literature in Saudi Arabia would be bridged by proposing a comprehensive conceptual model that scrupulously clarifies the use of M-Banking from the perspective of Saudi users. Furthermore, this study would consider the adoption of numeric data in order to inferentially analyse them using SEM. This in turn would assist in generalising the findings to the whole Saudi population

FACTORS INFLUENCING USER’S CONTINUANCE INTENTION ON PAID QUESTION AND ANSWER SERVICE ----A STUDY ON WEIBO IN CHINA

This thesis addresses the research question “Why do users continue to use paid Q&A in China” by means showed below: First, this research introduces research background of paid Q&A in China and raises corresponding research question and highlights the research significance of this thesis topic; Second, the author concludes previous research on paid Q&A in aspects of Q&A system, paid subscription and sharing economy, and finds that most of prior research focuses on exploring the influence of usefulness but not enjoyment on the users’ willingness of continuing using a paid Q&A system; Third, the thesis introduces the VAM theory and build a modified model based on it, this modified model highlights the importance of pleasure on users’ continuance intention in using paid Q&A; Finally, the empirical study combining an Exploratory Factor Analysis and a Confirmatory Factor Analysis proves that, after integrating factors extracted from previous research and the proposed model, the research is tested to be explanatorily capable and hypotheses related to the model are mostly proved to be supported. As a conclusion, this study conducts an investigation on the constructs and related theories that influence users’ continuance intention to use paid Q&A, from a hedonic perspective. In this thesis, VAM theory is selected as the prototype of proposed research model which reveals factors affecting users’ continuance intention to use a Chinese paid Q&A product named Weibo Paid Q&A. In this thesis, the proposed model makes predictions that the constructs perceived fee and community atmosphere along with perceived enjoyment construct have critical effect on users’ continuance willingness in using Weibo Paid Q&A in China. With the assistance of PLS–SEM, this study analyzes data collected from users in WPQA, the empirical study verifies that users' continuance intention is assuredly dependent on perceived fee and community atmosphere along with perceived enjoyment. The study also reveals that quality of answerers and quality of answer positively exert significant influences on perceived enjoyment