Understanding College Student’ Acceptance Of Online Credit Offering Services In China

With the rapid economic growth in China, peoples’ consumption behavior is constantly changing. The online credit offering service is playing a more and more important role in China. In this paper, we aim to understand college students’ acceptance of online credit offering services in China. A research model based on technology acceptance model (TAM) with six research hypotheses is proposed. And an empirical study with 239 subjects was conducted to test this model. According to the results, 4 of 6 hypotheses were supported. The results indicated that both perceived usefulness and subjective norm directly affected college students’ behavior intention to use online credit offering services significantly

Developing a framework for mobile payments integration

This paper derives a theoretical framework for consideration of both the technologically driven dimensions of mobile payment solutions, and the associated value proposition for customers. Banks promote traditional payment instruments whose value proposition is the management of risk for both consumers and merchants. These instruments are centralised, costly and lack decision support functionality. The ubiquity of the mobile phone has provided a decentralised platform for managing payment processes in a new way, but the value proposition for customers has yet to be elaborated clearly. This inertia has stalled the design of sustainable revenue models for a mobile payments ecosystem. Merchants and consumers in the meantime are being seduced by the convenience of on-line and mobile payment solutions. Adopting the purchase and payment process as the unit of analysis, the current mobile payment landscape is reviewed with respect to the creation and consumption of customer value. From this analysis, a framework is derived juxtaposing customer value, related to what is being paid for, with payment integration, related to how payments are being made. The framework provides a theoretical and practical basis for considering the contribution of mobile technologies to the payment industry. The framework is then used to describe the components of a mobile payments pilot project being run on a trial population of 250 students on a campus in Ireland. In this manner, weaknesses in the value proposition for consumers and merchants were highlighted. Limitations of the framework as a research tool are also discussed

Mobile banking and mobile payment acceptance

A thesis submitted in partial fulfillment of the requirements for the degree of Doctor in Information Management, specialization in Information and Decision SystemsTechnological advancements registered in the last three decades have revolutionized the financial industry, promoting major changes in the financial services provided. The spread of Internet-enabled phones, smart phones and tablets combined with fast and reliable communications networks, have encourage banks and service providers to provide a new set of self-service banking applications to mobile devices. These facts combined with the globalisation of business and systems are reinforcing the need to acquire a deeper understand on the impact of the acceptance of mobile services. With this dissertation we intend to contribute to a better understanding of the determinants of mobile banking and mobile payments services acceptance and use, at individual level. For this reason we developed a total of five different studies; four about mobile banking and one about the mobile payment. We started in chapter two with a mobile banking literature weight and meta-analysis. The impact of culture in the mobile banking acceptance in an African developing country is analysed in chapter three, trying to better identify how culture influences individual use behaviour. In chapter four we study the mobile payment, trying to identify the direct and indirect effects on the determinants of adoption and the intention to recommend this technology. In chapter five we return to mobile banking, intending to identify the potential impact of the utilization of game mechanics and game design techniques in the acceptance of these services. In the fifth and last study, presented in chapter six, we analyse data from three different countries in three distinct continents, combining acceptance with trust and risk, simultaneously capturing success and resistance factors towards mobile banking intention and use behaviour. In epistemological terms, we adopted a posture characteristic of positivism. With regard the theoretical framework, besides the weight and meta-analysis study, we use the extended unified theory of acceptance and use of technology (UTAUT2) (Venkatesh et al., 2012) in all the studies; namely combining it with (i) cultural moderators (Hofstede, 1980) in the third chapter, (ii) the innovation characteristics of the diffusion of innovations (DOI) (Rogers, 2003), the perceived technology security, and the intention to recommend constructs in the fourth chapter, (iii) a gamification impact construct in the fifth chapter, and (iv) trust and risk model (Bélanger & Carter, 2008) in the sixth chapter. This work provides several contributions for research and practice, contributing to the advancement of knowledge, exploring and discussing direct implications for banks, financial institutions, service providers, service managers, IT and marketing departments, users, and researchers. The innovative models that we use in our work combine the strengths and constructs from well-known theoretical models, providing a solid foundation to our studies. In summary, considering all studies and datasets used, the intention best drivers were (i) habit, found significant in three studies and five datasets and (ii) performance expectancy, found significant in all five studies and in six datasets, and in the use best drivers were (i) habit, found significant in three studies and five datasets and (ii) intention, found significant in two studies. Considering the studies individually, collectivism, uncertainty avoidance, short term, and power distance were found to be the most significant cultural moderators, providing new insights into factors affecting the acceptation and how culture influences individual use behaviour. In terms of mobile payment, the relevance of customer’s intention to recommend mobile payment technology in social networks and other means of communication was confirmed, supporting the recommendation to include it in social marketing campaigns and in future technology adoption studies. A direct and strong relationship between gamification and intention was also confirmed, showing that, when used and designed properly, gamification can help make banking activities more exciting, more interesting, and more enjoyable, and in turn increase customer acceptance, engagement and satisfaction. From the multi-group analysis between countries additional results were found, supporting services customization and marketing campaigns adaptations accordingly. For the intention to use mobile banking, (i) performance expectancy is a more important factor for Portuguese than Brazilian users, (ii) hedonic motivation is a more important factor for Mozambican users than Portuguese or Brazilian ones, and (iii) price value is significant and more important for Mozambican than Portuguese users. For the use behaviour, (i) behavioural intention is a more important factor for Mozambican than Portuguese or Brazilian users and (ii) the facilitating conditions is a more important factor for Mozambican than Portuguese or Brazilian users. A theoretical model based in the best intention and use predictors found in literature is presented, from the weight and meta-analysis’ results, supporting further and future studies in this area

Smarter CRM from a Customer Service Perspective: A Process Evaluation on the City of San José\u27s My San Jose Smartphone Application for City Services

This research paper provides background on the City of San José’s smart phone application history and reviews other similar municipal smart phone applications. It also analyzes current literature on implementations of non-emergency service communications and service requests (311). Primarily, this research paper investigates whether the functioning of the My San Jose smartphone application and website platforms are meeting the intended goal of improving the customer experience for city services. This paper analyzes My San Jose raw service request data to review performance. In addition, this paper analyzes qualitative information gathered from semi-structured interviews of City of San José employees to shed additional insight into the processes in place to fulfill these service requests from start to finish

Mobile application for long distance vehicles booking of passengers in Kenya

A Thesis submitted in partial fulfillment of the requirements for the Degree of Master of Science in Computer-Based Information Systems at Strathmore UniversityMaking a booking for a journey has been one of the challenges affecting passengers who travel for long distances. Public transport is one field that is facing extreme pressures with customers demanding higher service levels at an affordable prices. Over years, public transport is supposed to facilitate movement of people from one location to next conveniently and in a cheaper way but this is not the case in Kenya where there are a lot of inconveniences affecting passengers using public service vehicles. To ensure a passenger makes a booking in advance, they are required to visit the booking office prior to their travel date and pay for the journey in form of cash causing inconvenience and thus making the passenger to incur an extra cost in order to make a booking in advance. Thus, this study aims at developing a mobile application that would assist passengers in making a booking at their own convenience by indicating their pick-up location so that they do not have to visit the booking office thus saving them time and travelling cost and reduced queues in booking offices and the number of staff employed leading to increased revenues. In addition, the passenger would be in a position to make payment via M-PESA or Credit Card. A simple web page is provided to add some booking details to the database to be used by the mobile application and at the same time to make a booking for few passengers who would visit the office to make a booking and for viewing reports. Data collection was achieved through questionnaires and review of existing data sources. The study was carried out in line with the ethical practices as specified by the University’s rules and regulations

Redes 5G: una revisión desde las perspectivas de arquitectura, modelos de negocio, ciberseguridad y desarrollos de investigación

5G technology is transforming our critical networks, with long-term implications. Since 5G is transitioning to a purely software-based network, potential improvements will be software updates, like how smartphones are upgraded. For the global enterprise, the 5G arrival would be disruptive. Long-awaited solutions to various flaws in critical networking systems will arise due to 5G network adoption. Furthermore, the shortcomings of technology in contributing to business growth and success would be turned on their heads. The more complicated part of the actual 5G race is retooling how we protect the most critical network of the twenty-first century and the ecosystem of devices and applications that sprout from that network due to cyber software vulnerabilities. The new technologies enabled by new applications running on 5G networks have much potential. However, as we move toward a connected future, equal or more attention should be paid to protecting those links, computers, and applications. We address critical aspects of 5G standardization and architecture in this article. We also provide a detailed summary of 5G network business models, use cases, and cybersecurity. Furthermore, we perform a study of computer simulation methods and testbeds for the research and development of potential 5G network proposals, which are elements that are rarely addressed in current surveys and review articles.La tecnología 5G está transformando nuestras redes críticas, con implicaciones a largo plazo. Dado que 5G está en transición a una red puramente basada en software, las mejoras potenciales serán las actualizaciones de software, como la forma en que se actualizan los teléfonos inteligentes en la actualidad. Para la empresa global, la llegada de 5G sería disruptiva. Las soluciones largamente esperadas para una variedad de fallas en los sistemas clave de networking surgirán debido a la adopción de la red 5G. Además, las deficiencias de la tecnología en términos de contribuir al crecimiento empresarial y al éxito se pondrán de cabeza. La parte más complicada de la carrera 5G real es reestructurar la forma en que protegemos la red más crítica del siglo XXI y el ecosistema de dispositivos y aplicaciones que surgen de esa red debido a las vulnerabilidades cibernéticas del software. Las nuevas tecnologías habilitadas por las nuevas aplicaciones que se ejecutan en redes 5G tienen mucho potencial. Sin embargo, a medida que avanzamos hacia un futuro conectado, se debe prestar igual o mayor atención a la protección de esos enlaces, computadoras y aplicaciones. En este artículo se abordan los aspectos clave de la estandarización y la arquitectura 5G. También se proporciona un resumen detallado de los modelos comerciales de redes 5G, casos de uso y ciberseguridad. Además, se realiza un estudio de métodos de simulación por computadora y bancos de pruebas para la investigación y el desarrollo de posibles propuestas de redes 5G, que son elementos que rara vez se abordan en estudios y artículos de revisión actuales.Facultad de Informátic