Factors affecting the adoption of Fin-tech in Pakistan based on the Unified Theory of Acceptance and Use of Technology Model: An empirical study on financial inclusion in Pakistan

Pakistan has seen a rise in financial technology (Fin-Tech) and mobile device use. The financial sector and entrepreneurs see Fin-Tech as a method to extend business potential, but mobile apps and other digital platforms must be established to explore these possibilities. Mobile app security concerns have skyrocketed, causing issues for users and Fin-Tech innovators. This article empirically explores how Fin-Tech adoption affects users' and organizations' expectations of effort, performance, social impact, facilitating conditions, behavioural intents, and adoption. This paper presents a UTAUT-based model for fin-tech adoption intention. This study examined 518 Bahawalpur residents and workers. Consultant-created online and paper questionnaires covered the study's objectives. Hence, fin-tech adoption is valuable for both the general public and its users. Independent variables moderated behavioural intention and Fin-Tech adoption. Bahawalpur companies and people adopting Fin-Tech can reduce productivity costs and save time. This research can help Bahawalpur residents adopt Fin-Tech

The Adoption of Internet Technologies by Independent Hotels in the UK

Merged with duplicate record 10026.1/670 on 27.02.2017 by CS (TIS)The growth of the technology and its range of possible uses have made it a necessity for independent hoteliers to examine their use of the internet, specifically its effectiveness for marketing and distribution purposes. It is widely recognised that the independent hotel sector makes up the bulk of the hotel industry in the UK and often do not have the resources or desire to keep up with new technologies. This study scrutinizes, evaluates and establishes the factors that influence the decision to adopt a range of internet technologies for marketing and distribution within the UK Independent hotel sector. The conceptual framework of this study is underpinned by Davis's Technology Acceptance Model (1989) and Rogers' Diffusion of Innovations model (1995). The study's findings have confirmed, challenged and extended these two theories. Critically, it has established that the ease-of-use of a technology and its affordability do not affect hoteliers' deployment decisions, when numerous studies have suggested otherwise. The study also revealed that the hotel sector as a whole had not only expanded the range of internet technologies adopted, but the proportion of adopters had also increased. A series of qualitative exploratory interviews were carried out and analysed to inform a larger quantitative survey. Survey data was collected from 408 independent hoteliers and analysed to contribute to the conceptual development of a taxonomy. In the process, hypotheses testing, regression, discriminant and cluster analysis were carried out, linking various hotel characteristics, hotelier perceptions and their propensity to deploy internet technology for marketing and distribution. The core of the developed taxonomy illustrated three groups of hoteliers: the internet application (IA) reticent; the IA realist; and the IA rationalist. This taxonomy, supported by a more precise profile and definition of independent hoteliers, facilitated the identification of managerial implications for various stakeholders. A significant implication of the study inferred that travel intermediaries' will continue to have a sustained stronghold on independent hoteliers

The application of social media for marketing strategies in pharma healthcare

Digital is transforming the way the world does business, and healthcare is no exception. The COVID-19 outbreak has had a significant impact on internet use and accelerated the digital transition worldwide as well as in Portugal. Social media is the fastest communication network among worldwide people. During the outbreak, the usage of social media platforms increased two times more compared with normal days. With increasing health literacy and access to technology, consumers are becoming more informed and proactive towards health issues and selfmedication, 67% of them are researching health problems and symptoms tracking and 81% conduct online research before making a purchase. This change has expanded communication from offline to the internet. Electronic word-of-mouth communication (eWOM), based on social media, brought more variables to marketing communication and became an interesting field for research considering its communication potential. Indeed, several studies have shown the ability to influence interpersonal communications on products or services in the purchase intention of consumers. As so, in recent years, some authors discussed the impact of eWOM on consumer online purchasing decisions; however, the literature is still relatively nascent regarding the Pharmaceutical Industry and the self-medication segment market of Over-the-Counter medicines (OTC). Pharmaceutical companies must be aware of this paradigm change: the patient is an indispensable and active stakeholder in the present and future of healthcare, besides the physician and the payer. Pharma marketing may be moving into a more digitalized space, but there is still room for improvement, especially when it comes to social media there is an unexploited territory for pharma marketers as most pharmaceutical companies are not yet to answer these consumers habits with an effective digital presence. The current research aims to study the application of Social Media platforms for marketing or communication purposes in pharma healthcare in Portugal.digital está a transformar a forma como os negócios se fazem no mundo, e a saúde não é exceção. A pandemia de COVID-19 teve um impacto significativo na utilização da Internet e acelerou a transição digital a nível mundial, incluindo Portugal. Com o aumento da literacia em saúde e o acesso à tecnologia, os consumidores estão a tornar-se mais informados e proativos em relação aos seus cuidados com a saúde e à automedicação, 67% destes pesquisam problemas de saúde e sintomas e 81% realizam pesquisas online antes de fazer uma compra. Esta mudança de comportamento expandiu a comunicação do offline para a Internet. A comunicação electronic word-of-mouth (eWOM), baseada nos media sociais, envolve mais variáveis para a comunicação de marketing; nos últimos anos, alguns autores discutiram o impacto do eWOM nas decisões de compra do consumidor online; entretanto, a literatura ainda é relativamente incipiente no que diz respeito à Indústria Farmacêutica e ao segmento de automedicação do mercado de medicamentos de venda livre (OTC). As empresas farmacêuticas devem estar atentas a esta mudança de paradigma: o paciente é uma parte indispensável e ativa no presente e no futuro da área da saúde, além do médico e do pagador. O marketing farmacêutico está a evoluir para a digitalização, mas ainda há espaço para melhorias, especialmente no âmbito das redes sociais que ainda são um território pouco explorado pelos profissionais de marketing farmacêutico. A maioria das empresas farmacêuticas ainda não se adaptou a estes hábitos de consumo com uma presença digital eficaz. A presente investigação pretende identificar a aplicação de plataformas de redes sociais para efeitos de marketing ou comunicação na área da indústria farmacêutica em Portugal

Users\u27 Knowkedge and Social Media Sharing Behaviors

The success of social media marketing tactics is highly dependent on the understanding of social media users\u27 information sharing behaviors. Social media user’s likelihood to share is related to various factors, such as knowledge, belief and personality traits. Survey data from 504 American social media users reveals that users\u27 perceived knowledge about social media marketing tactics positively related to their perceived benefits, which further associated with their likelihood of sharing information on social media. Findings also indicate that users\u27 desire for control partially mediates relationship between users’ knowledge of social media tactics and their likelihood to share information. However, the data does not provide evidence for the expected relationship between knowledge, perceived privacy risk and social media sharing behaviors. The findings reinforce the expectancy-value model, indicating the relationship between social media users’ perception of positive self-performance in evaluating social media marketing tactics and the activeness of social media use. The author also discusses the privacy paradox in social media use

Evidence-based practice implementation: The impact of public versus private sector organization type on organizational support, provider attitudes, and adoption of evidence-based practice

<p>Abstract</p> <p>Background</p> <p>The goal of this study is to extend research on evidence-based practice (EBP) implementation by examining the impact of organizational type (public versus private) and organizational support for EBP on provider attitudes toward EBP and EBP use. Both organization theory and theory of innovation uptake and individual adoption of EBP guide the approach and analyses in this study. We anticipated that private sector organizations would provide greater levels of organizational support for EBPs leading to more positive provider attitudes towards EBPs and EBP use. We also expected attitudes toward EBPs to mediate the association of organizational support and EBP use.</p> <p>Methods</p> <p>Participants were mental health service providers from 17 communities in 16 states in the United States (n = 170). Path analyses were conducted to compare three theoretical models of the impact of organization type on organizational support for EBP and of organizational support on provider attitudes toward EBP and EBP use.</p> <p>Results</p> <p>Consistent with our predictions, private agencies provided greater support for EBP implementation, and staff working for private agencies reported more positive attitudes toward adopting EBPs. Organizational support for EBP partially mediated the association of organization type on provider attitudes toward EBP. Organizational support was significantly positively associated with attitudes toward EBP and EBP use in practice.</p> <p>Conclusion</p> <p>This study offers further support for the importance of organizational context as an influence on organizational support for EBP and provider attitudes toward adopting EBP. The study demonstrates the role organizational support in provider use of EBP in practice. This study also suggests that organizational support for innovation is a malleable factor in supporting use of EBP. Greater attention should be paid to organizational influences that can facilitate the dissemination and implementation of EBPs in community settings.</p

Role of Social Media in Technology Adoption for Sustainable Agriculture Practices: Evidence from Twitter Analytics

Social networking sites provide a new means of communication for disseminating cutting-edge agricultural technologies. These are unmediated interaction channels that enable a user to communicate their experience with technology and generate negative or positive attitudes that impact technology adoption decisions. We employ a machine learning approach to analyse users\u27 existing semantic predisposition for technology adoption in agriculture at various operational levels. While developing attitudes toward technology adoption, these semantic tendencies become an important aspect of users\u27 cognitive decision making. The study scrapes user comments and conversations about agritech on Twitter through data mining. The research also explains the important characteristics that enhance attitude building on Twitter and are responsible for reinforcing decision making among information seekers using four machine learning models. Based on the results, the research recommends strategies to managers for better communication with agriculturists and enhancement of users\u27 decision making

Factors That Predict the Adoption of Online Shopping in Saudi Arabia

Despite the increased numbers of online consumers, e-commerce growth is slow in the Kingdom of Saudi Arabia. In this correlational study, the technology acceptance model (TAM) was used as a theoretical framework to examine whether perceived ease of use of e-commerce platforms and perceived usefulness of e-commerce platforms could predict consumers\u27 intention to adopt shopping online. A pre-existing TAM survey instrument was used to collect data from consumers (N = 95) who live in a City and have shopped at least once online. The regression analysis confirmed a positive statistically significant relationship between perceived ease of use of e-commerce platforms and consumers\u27 intent to adopt online shopping. The results showed that perceived ease of use of e-commerce platforms and perceived usefulness of e-commerce platforms were statistically significant in predicting consumers\u27 intent to adopt online shopping, with F(2, 92) = 241.630, p \u3c .001, R2 = .840, and adjusted R2 = .837, and accounted for 84% of the variance in consumers\u27 intent to adopt online shopping. The correlation between perceived ease of use and consumers\u27 intent to adopt online shopping was (PEOU) r= .916, p \u3c .001 and the correlation significance between perceived usefulness and consumers\u27 intent to adopt online shopping was (PU) r= .591, p \u3c .001. Using study results, retailers may be able to develop improved strategies to increase profitability via online shopping. The implications for positive social change include the potential for improved quality of life for consumers in Saudi Arabia

Semantic discovery and reuse of business process patterns

Patterns currently play an important role in modern information systems (IS) development and their use has mainly been restricted to the design and implementation phases of the development lifecycle. Given the increasing significance of business modelling in IS development, patterns have the potential of providing a viable solution for promoting reusability of recurrent generalized models in the very early stages of development. As a statement of research-in-progress this paper focuses on business process patterns and proposes an initial methodological framework for the discovery and reuse of business process patterns within the IS development lifecycle. The framework borrows ideas from the domain engineering literature and proposes the use of semantics to drive both the discovery of patterns as well as their reuse

The inner and inter construct associations of the quality of data warehouse customer relationship data for problem enactment

This thesis was submitted for the degree of Doctor of Business Administration and awarded by Brunel University on behalf of Henley Management College.The literature identifies perceptions of data quality as a key factor influencing a wide range of attitudes and behaviors related to data in organizational settings (e.g. decision confidence). In particular, there is an overwhelming consensus that effective customer relationship management, CRM, depends on the quality of customer data. Data warehouses, if properly implemented, enable data integration which is a key attribute of data quality. The literature highlights the relevance of formulating problem statements because this will determine the course of action. CRM managers formulate problem statements through a cognitive process known as enactment. The literature on data quality is very fragmented. It posits that this construct is of a high order nature (it is dimensional), it is contextual and situational, and it is closely linked to a utilitarian value. This study addresses all these disperse views of the nature of data quality from a holistic perspective. Social cognitive theory, SCT, is the backbone for studying data quality in terms of information search behavior and enhancements in formulating problem statements. The main objective of this study is to explore the nature of a data warehouse's customer relationship data quality in situations where there is a need for understanding a customer relationship problem. The research question is What are the inner and inter construct associations of the quality of data warehouse customer relationship data for problem enactment? To reach this objective, a positivistic approach was adopted complemented with qualitative interventions along the research process. Observations were gathered with a survey. Scales were adjusted using a construct-based approach. Research findings confirm that data quality is a high order construct with a contextual dimension and a situational dimension. Problem sense making enhancements is a dependent variable of data quality in a confirmed positive association between both constructs. Problem sense making enhancements is also a high order construct with a mastering experience dimension and a self-efficacy dimension. Behavioral patterns for information search mode (scanning mode orientation vs. focus mode orientation) and for information search heuristic (template heuristic orientation vs. trial-and-error heuristic orientation) have been identified. Focus is the predominant information search mode orientation and template is the predominant information search heuristic orientation. Overall, the research findings support the associations advocated by SCT. The self-efficacy dimension in problem sense making enhancements is a discriminant for information search mode orientation (focus mode orientation vs. scanning mode orientation). The contextual dimension in data quality (i.e. data task utility) is a discriminant for information search heuristic (template heuristic orientation vs. trial-and-error heuristic orientation). A data quality cognitive metamodel and a data quality for problem enactment model are suggested for research in the areas of data quality, information search behavior, and cognitive enhancements. iiiTeradata, NC