The Role of Regulatory Foci and Information Seeking Behavior on Self-Disclosure on Social Media

This paper aims to explore the role of Regulatory Foci and Information Seeking Behavior on Self-Disclosure on social media platforms. This research used quantitative research methodology, a self -administrated survey was conducted among generation Y college students. Participants answers were recorded using Google forms and the results were analyzed using structural equation modeling. The Results showed that there was a significant relationship between the Regularity Foci and the Self disclosure. Moreover, the results showed that there was a mediating effect of the Information seeking behavior between Regularity Foci and Self disclosure. The limitation of this study is the sample size (150) and generalizability of the results

Systematic Review on Privacy Categorization

In the modern digital world users need to make privacy and security choices that have far-reaching consequences. Researchers are increasingly studying people's decisions when facing with privacy and security trade-offs, the pressing and time consuming disincentives that influence those decisions, and methods to mitigate them. This work aims to present a systematic review of the literature on privacy categorization, which has been defined in terms of profile, profiling, segmentation, clustering and personae. Privacy categorization involves the possibility to classify users according to specific prerequisites, such as their ability to manage privacy issues, or in terms of which type of and how many personal information they decide or do not decide to disclose. Privacy categorization has been defined and used for different purposes. The systematic review focuses on three main research questions that investigate the study contexts, i.e. the motivations and research questions, that propose privacy categorisations; the methodologies and results of privacy categorisations; the evolution of privacy categorisations over time. Ultimately it tries to provide an answer whether privacy categorization as a research attempt is still meaningful and may have a future

A machine learning approach to the digitalization of bank customers: evidence from random and causal forests

Understanding the digital jump of bank customers is key to design strategies to bring on board and keep online users, as well as to explain the increasing competition from new providers of financial services (such as BigTech and FinTech). This paper employs a machine learning approach to examine the digitalization process of bank customers using a comprehensive consumer finance survey. By employing a set of algorithms (random forests, conditional inference trees and causal forests) this paper identities the features predicting bank customers’ digitalization process, illustrates the sequence of consumers’ decision-making actions and explores the existence of causal relationships in the digitalization process. Random forests are found to provide the highest performance–they accurately predict 88.41% of bank customers’ online banking adoption and usage decisions. We find that the adoption of digital banking services begins with information-based services (e.g., checking account balance), conditional on the awareness of the range of online services by customers, and then is followed by transactional services (e.g., online/mobile money transfer). The diversification of the use of online channels is explained by the consciousness about the range of services available and the safety perception. A certain degree of complementarity between bank and non-bank digital channels is also found. The treatment effect estimations of the causal forest algorithms confirm causality of the identified explanatory factors. These results suggest that banks should address the digital transformation of their customers by segmenting them according to their revealed preferences and offering them personalized digital services. Additionally, policymakers should promote financial digitalization, designing policies oriented towards making consumers aware of the range of online services available.FUNCAS Foundation PGC2018 - 099415 - B - 100 MICINN/FEDER/UEJunta de Andalucia P18RT-3571 P12.SEJ.246