Is internet an acceleration factor in voluntary lifelong learning ?

IT Technologies are said to make access to learning easier and cheaper. Virtually all theorical knowledge is available in one form or another on the web, with possibilities for beginners as well as, in certain cases, for extremely sophisticated users.informal learning; lifelong learning; e-learning; Internet; Knowledge, quantitative methodology

Main factors of emotionally attached customers in retail banking of Latvia

How the banking strategy in Latvia is changing? How can banks increase the number of active clients? Are banks in Latvia focusing to attract new clients or prefer to work with the existing client portfolio? How can the retail banking sector in Latvia impact the customer loyalty? The regulation developed by the Basel Committee and the regulations of The Financial and Capital Market Commission impacted the number of banks in Latvia and the number of active clients in retail banking. Latvian banks are getting more flexible in customer services and actively working to increase customer loyalty. If previously banks actively attracted the new clients to increase the number of customers, now banks are working to increase the number of active loyal clients. Only a totally complacent customer will be a loyal customer. The purpose of this study is to examine the effects of customer emotional attachment on customer loyalty to the provided goods and services in the retail banking sector in Latvia. The authors used their developed questionnaire that was aimed to the main factors that can increase the customer loyalty. The profitability of each bank directly depends on customer loyalty and how many customers return for goods and services. The main object of loyalty is customer emotional attachment, which is the determining factor in decision making in retail banking. The customer’s emotions and feelings drive his/her choice. When banks interact with customers’ emotions, the income could be considerable. That is why it is significant to research customer emotions to create long term partnership in retail banking. Research methods used are clients’ survey in the retail banking sector in Latvia. The banks branding, the personality of produced goods and services, the customer experience and trust, the digitalization and innovation tendency are the factors that can emotionally attach the customer. All these factors, from the new product and services development till the daily provided, affect the customers’ value to the bank. As the main result, the strategic goal is to have emotional attached customers in retail banking of Latvia

Economic Security and Sharia Fintech Regulation in Indonesia: A Portrait of Strengthening the Sharia Business Ecosystem

The existence of sharia fintech will always be homework for the government. As one of the pillars of economic security, the development of sharia fintech still leaves various problems, especially regarding existing regulations. On the other hand, strengthening the sharia fintech business ecosystem in Indonesia provides a lot of homework to be done. This research is classified as normative legal research that applies a statutory approach regarding primary legal materials in the form of laws and regulations related to sharia fintech and other financial regulations. This study found that the Islamic economic master plan and the Indonesian Islamic financial architecture master plan do not represent the institutions and regulations for Islamic fintech as a sub-sector of Islamic finance that has the potential to develop further. To strengthen the sharia fintech business ecosystem, regulations from relevant authorities are needed that are in line with industrial needs. Strengthening regulations is expected to create a strong and stable economy and accelerate Islamic finance nationally so that Indonesia can become one of the financial centers in South East Asia Region and the world

Characterizing a Meta-CDN

CDNs have reshaped the Internet architecture at large. They operate (globally) distributed networks of servers to reduce latencies as well as to increase availability for content and to handle large traffic bursts. Traditionally, content providers were mostly limited to a single CDN operator. However, in recent years, more and more content providers employ multiple CDNs to serve the same content and provide the same services. Thus, switching between CDNs, which can be beneficial to reduce costs or to select CDNs by optimal performance in different geographic regions or to overcome CDN-specific outages, becomes an important task. Services that tackle this task emerged, also known as CDN broker, Multi-CDN selectors, or Meta-CDNs. Despite their existence, little is known about Meta-CDN operation in the wild. In this paper, we thus shed light on this topic by dissecting a major Meta-CDN. Our analysis provides insights into its infrastructure, its operation in practice, and its usage by Internet sites. We leverage PlanetLab and Ripe Atlas as distributed infrastructures to study how a Meta-CDN impacts the web latency

Peer to Peer Lending Against Ease of Business Technology Acceptance Model (TAM) Approach

Abstract: The progress of the times will always go hand in hand with technological developments. The presence of the disruptive era encouraged the financial industry to innovate. Peer to Peer Lending (P2P Lending) is an online digital platform based alternative lending, which brings together lenders (investors) and borrowers in the marketplace. This study aims to see whether the presence of P2P Lending provides business convenience for lenders with reference to user satisfaction. The approach taken by using the Technology Acceptance Model (TAM) with Structural Equation Modeling (SEM). The results show that all variables consisting of User Perception directly influence Ease and Attitude Perception, Ease Perception directly influences Attitude and Satisfaction; and Perception of Use has an indirect effect on satisfaction with quasy mediation. Therefore, 55% of respondents stated that P2P Lending provides convenience in doing business.Abstrak: Kemajuan jaman akan selalu beriringan dengan perkembangan teknologi. Hadirnya disruptive era mendorong industri keuangan untuk melakukan inovasi. Peer to Peer Lending (P2P Lending) merupakan alternatif digital lending berbasis platform online, yang mempertemukan lender (investor) dan borrower dalam market place. Penelitian ini bertujuan untuk melihat apakah hadirnya P2P Lending memberikan kemudahan bisnis bagi Lender dengan referensi kepuasan pengguna. Pendekatan yang dilakukan dengan menggunakan Technologi Acceptance Model (TAM) dengan Structural Equation Modelling (SEM). Hasil menunjukkan bahwa seluruh variabel yang terdiri dari Persepsi Pengguna berpengaruh langsung terhadap Persepsi Kemudahan dan Sikap, Persepsi Kemudahan berpengaruh langsung terhadap Sikap dan Kepuasan; serta Persepsi Penggunaan berpengaruh tidak langsung terhadap Kepuasan dengan sifat quasy mediation. Olah karenanya, 55% responden menyatakan bahwa P2P Lending memberikan kemudahan dalam berbisnis

Peer to Peer Lending Against Ease of Business Technology Acceptance Model (TAM) Approach

Abstract: The progress of the times will always go hand in hand with technological developments. The presence of the disruptive era encouraged the financial industry to innovate. Peer to Peer Lending (P2P Lending) is an online digital platform based alternative lending, which brings together lenders (investors) and borrowers in the marketplace. This study aims to see whether the presence of P2P Lending provides business convenience for lenders with reference to user satisfaction. The approach taken by using the Technology Acceptance Model (TAM) with Structural Equation Modeling (SEM). The results show that all variables consisting of User Perception directly influence Ease and Attitude Perception, Ease Perception directly influences Attitude and Satisfaction; and Perception of Use has an indirect effect on satisfaction with quasy mediation. Therefore, 55% of respondents stated that P2P Lending provides convenience in doing business.Abstrak: Kemajuan jaman akan selalu beriringan dengan perkembangan teknologi. Hadirnya disruptive era mendorong industri keuangan untuk melakukan inovasi. Peer to Peer Lending (P2P Lending) merupakan alternatif digital lending berbasis platform online, yang mempertemukan lender (investor) dan borrower dalam market place. Penelitian ini bertujuan untuk melihat apakah hadirnya P2P Lending memberikan kemudahan bisnis bagi Lender dengan referensi kepuasan pengguna. Pendekatan yang dilakukan dengan menggunakan Technologi Acceptance Model (TAM) dengan Structural Equation Modelling (SEM). Hasil menunjukkan bahwa seluruh variabel yang terdiri dari Persepsi Pengguna berpengaruh langsung terhadap Persepsi Kemudahan dan Sikap, Persepsi Kemudahan berpengaruh langsung terhadap Sikap dan Kepuasan; serta Persepsi Penggunaan berpengaruh tidak langsung terhadap Kepuasan dengan sifat quasy mediation. Olah karenanya, 55% responden menyatakan bahwa P2P Lending memberikan kemudahan dalam berbisnis

Evaluating ‘Registerial’ Norms in Advertising Texts: A Systemic Perspective

Language and social concerns facilitate every communicative text. Based on that, the study considered the advertising text, as a test ground to explore the relationships between language and socio-cultural norms as revealers of the Register of advertising. Considered for the investigation are ten advertisements of Guinness®, Peak Milk®, Gulder®, Coca cola®, Pepsi®, Stanbic IBTC®, etc., upon which Ideational, Interpersonal and Textual Metafunctions served as tools of analysis. Besides the report that Material Processes such as come to, reshaped, make, is wasting, etc. dominate the contents, a Behavioral Process of rests on also performs a role in the Register analysis. The study further reveals digitization (*945#), local language intrusion (Oga), personification (bourn = born), clipping (diff) as context devices in the business environment. There are also Register(s) of neologism (Pecadomo), poetic and sermonized texts to persuade recipients. As the investigation has revealed SFL as a viable processor of Register(s), it thus suggests that its application to other texts outside advertising might yield meaningful results. Such exercise could assist in the understanding of novel items that could contribute to language development

TECHNOLOGY ACCEPTANCE MODEL APPROACH IN MEASURING USER BEHAVIOR OF ONLINE FOOD DELIVERY APPLICATIONS IN BANYUMAS DISTRICT

Food delivery services are increasingly preferred as the internet develops, but food consumer and entrepreneurs need to be selective in choosing which ones can provide value to them. This study aims to examine the easy to use, usefullness and attitudes of behavioral intention in food delivery applications in Banyumas Regency. The data analysis method used is structural equation modeling-partial least squares (SEM-PLS). The number of respondents was 100. The sampling technique in this study used a purposive sampling method with criteria for a minimum age of 17 years, domiciled in the Banyumas Regency area, and had used shopee food for at least 1 month. Collecting data using a Likert scale questionnaire 1 to 5 by utilizing the google form. The results showed that all TAM variables had an effect on behavioral intentio

E-banking: current use and factors affecting its adoption in Portugal

The internet and Information Systems are a worldwide phenomenon that originated new solutions and business models, which can be used in innumerous activity sectors. In parallel several theories and models were developed to better understand consumers' reactions and new technologies adoption behavior, including frameworks like Theory of Planned Behavior and Technology Acceptance Model. Internet banking, mostly known as e-banking, is a general term to refer to the set of activities that can be perform electronically, without fiscally visit any bricks-and-mortar institution. E-banking is not a brand new topic starting in Portugal in 1994. Although, e-banking adoption in Portugal is by far lower than compared with the leading European countries. The present work aims to contribute to the investigation to which factors influence Portuguese customers' e-banking adoption. In order to accomplish this goal, a research model was built up, following current tested theories present in the literature. For that, was used a quantitative method associated to an online survey to collect customers' opinions. The results show that e-banking adoption in the sample is higher than the current estimations. Additionally, according to the analysis of the proposed model was possible to conclude that the lack trust and the lack of personal contact are the two main factors preventing consumers from using e-banking services.A internet e os Sistemas de Informação são fenómenos mundiais que originaram novas soluções e modelos de negócio, que podem ser aplicados a diversos setores de atividade. Paralelamente foram desenvolvidos vários modelos e teorias para explicar as reações e os comportamentos de adoção de novas tecnologias. Tal inclui estruturas modelos como Teoria do Comportamento Planeado e Modelo de Adoção da Tecnologia. A Banca "online", também muito conhecida como "e-banking", é um termo genérico usado para definir o conjunto de atividade de podem ser feitas com recurso à internet, em vez de ser necessário ir fisicamente a uma agência bancária. Este não é um tópico recente, tendo mesmo sido introduzido em Portugal em 1994. No entanto, a taxa de adoção em Portugal é bastante inferior comparada à dos principais países europeus. O presente trabalho tem como objetivo dar um contributo no que toca a entender o que influenciam os consumidores portugueses a adotar o "e-banking". Como forma de atingir o objetivo proposto, foi construído um modelo de investigação com base nas teorias atualmente presente na literatura. Para tal, foi utilizado um método quantitativo associado a um questionário, como forma de recolher as opiniões dos consumidores. Pela análise dos resultados é possível apurar que o nível de utilização da banca "online" é superior à anteriormente estimada. Adicionalmente, de acordo com a análise do modelo proposto foi possível concluir que a falta de confiança e a falta de contacto pessoal são os principais fatores que impedem o uso da banca "online" em Portugal

Prospects, Status and Development of Internet Banking in India

Internet banking’s contribution to economic development is becoming increasingly important in emerging countries like India. The conventional banking system is being replaced by a virtual one, as banks no longer rely solely on it. The use of information technology in banking has made the banking experience more pleasant for customers. There has been an increase in the use of information technology in banking operations, which has resulted in better customer service. Customers can access banking services without having to visit a bank location. There is now a shift from the old mode of service to ATMs, Internet banking, and mobile banking, as well as IT-enabled services. Through internet banking, banks are focusing on value-based service. A look at the rise of Internet banking and the products that are being used in the banking sector is the focus of this study