A Study on Taiwan Consumers’ Adoption of Online Financial Services

Despite Taiwan financial institutions’ huge investments in online financial services systems, Taiwan consumers’ adoption of online financial services has been slower than anticipated. So far, online financial services research in Taiwan is still in its infancy, hence receiving little academic attention. This suggests a need to understand Taiwan Internet users’ adoption behavior of online financial services and to identify the potential factors that may motivate or impede Taiwan Internet users’ acceptance of online financial services. The research framework of this study is constituted by the extended version of the Technology Acceptance Model (TAM2). Other variables, which have proven academically important in influencing consumers’ intentions to use information technology, were added to the conceptual framework. The results strongly support that the extended TAM (TAM2) is a valid model to predict Taiwan consumers’ intention to use online financial services and to explain the intention difference between adopters and non-adopters. The results also demonstrated that perceived privacy protection, perceived security, and consumer innovativeness not only have a significant, positive relationship with Taiwan consumers’ intention to use online financial services but also can significantly predict who is more likely to be an online financial service adopter in Taiwan. The research findings may help Taiwan financial institutions and other interested parties to formulate appropriate marketing strategies and design effective online financial services systems and accelerate the diffusion of online financial services in the future

Flow Experience and Challenge-Skill Balance in E-Learning

Flow is an optimal experience resulting in intense engagement in the activity. People achieved flow state when they perceived balance between challenge of the activity and their skill to the activity. The concept of flow can be used to explore students’ learning performance in e-learning environment. The current research aims to empirically explore the influence of challenge-skill balance on the flow experience and the influence of flow experience on learning satisfaction and learning performance in e-learning environment. The current research conducted a quasi-experimental design with questionnaire survey and carried out an electroencephalography (EEG) analysis, a psychophysiological method. The empirical survey results have shown that challenge-skill balance is an antecedent factor affecting learners’ flow experience. Once learners reach flow experience, their learning performance and learning satisfaction would get improved. Besides, the current research also found that flow experience is relative with learners’ attention measured by EEG brainwave signal. Learners’ perception of challenge-skill balance would influence their attention in e- learning activities. The current research is also in the pioneering position that using non-medical purpose EEG device in e-learning research

SOFTWARE-AS-A-SERVICE (SAAS) INNOVATION IN THE CONTEXT OF SOFTWARE INDUSTRY: A RESOURCE ORCHESTRATION PERSPECTIVE

Cloud computing brings a paradigm shift in the software industry and changes the business model of software vendors (SV). Software as a service (SaaS), the most popular form of cloud computing, has been recognized as the fundamental change in the delivery, utilization, and management of software. While the transformation to SaaS requires changes within the organization, SVs must actively take action to attract customers to accept the SaaS business model, the so-called pull strategy. Drawing on the resource orchestration view, we propose that the antecedents (i.e., structuring cloud resources, developing service bundling capability, and leveraging cloud ecosystem) are related to the likelihood of an innovative SaaS, which, in turn, is associated with SaaS attractiveness to users. Our proposed research framework provides a guideline for SV to attract and persuade customers to adopt SaaS solutions actively

Development of a short and universal learning self-efficacy scale for clinical skills

Background Learning self-efficacy, defined as learners’ confidence in their capability to learn specific subjects, is crucial for the enhancement of academic progress, because it is positively correlated with academic achievements and effective learning strategy use. In this study, we developed a universal scale called the Learning Self-Efficacy Scale (L-SES) for Clinical Skills for undergraduate medical students and validated it through item analysis and content validity index (CVI) calculation. Design The L-SES was developed based on the framework of Bloom’s taxonomy, and the questions were generated through expert consensus and CVI calculation. A pilot version of the L-SES was administered to 235 medical students attending a basic clinical skills course. The collected data were then examined through item analysis. Results The first draft of the L-SES comprised 15 questions. After expert consensus and CVI calculation, 3 questions were eliminated; hence, the pilot version comprised 12 questions. The CVI values of the 12 questions were between .88 and 1, indicating high content validity. Moreover, the item analysis indicated that the quality of L-SES reached the qualified threshold. The results showed that the L-SES scores were unaffected by gender (t = −0.049; 95% confidence interval [−.115, .109], p > .05). Conclusion The L-SES is a short, well-developed scale that can serve as a generic assessment tool for measuring medical students’ learning self-efficacy for clinical skills. Moreover, the L-SES is unaffected by gender differences. However, additional analyses in relevant educational settings are needed

Isolation and characterization of stromal progenitor cells from ascites of patients with epithelial ovarian adenocarcinoma

<p>Abstract</p> <p>Background</p> <p>At least one-third of epithelial ovarian cancers are associated with the development of ascites containing heterogeneous cell populations, including tumor cells, inflammatory cells, and stromal elements. The components of ascites and their effects on the tumor cell microenvironment remain poorly understood. This study aimed to isolate and characterize stromal progenitor cells from the ascites of patients with epithelial ovarian adenocarcinoma (EOA).</p> <p>Methods</p> <p>Seventeen ascitic fluid samples and 7 fresh tissue samples were collected from 16 patients with EOA. The ascites samples were then cultured in vitro in varying conditions. Flow cytometry and immunocytochemistry were used to isolate and characterize 2 cell populations with different morphologies (epithelial type and mesenchymal type) deriving from the ascites samples. The in vitro cell culture model was established using conditional culture medium.</p> <p>Results</p> <p>The doubling times of the epithelial type and mesenchymal type cells were 36 h and 48 h, respectively, indicating faster growth of the epithelial type cells compared to the mesenchymal type cells. Cultured in vitro, these ascitic cells displayed the potential for self-renewal and long-term proliferation, and expressed the typical cancer stem/progenitor cell markers CD44^high, CD24^low, and AC133⁺. These cells also demonstrated high BMP-2, BMP4, TGF-β, Rex-1, and AC133 early gene expression, and expressed EGFR, integrin α₂β₁, CD146, and Flt-4, which are highly associated with tumorigenesis and metastasis. The epithelial type cells demonstrated higher cytokeratin 18 and E-cadherin expression than the mesenchymal type cells. The mesenchymal type cells, in contrast, demonstrated higher AC133, CD73, CD105, CD117, EGFR, integrin α₂β₁, and CD146 surface marker expression than the epithelial type cells.</p> <p>Conclusion</p> <p>The established culture system provides an in vitro model for the selection of drugs that target cancer-associated stromal progenitor cells, and for the development of ovarian cancer treatments.</p

The heterojunction effects of TiO2 nanotubes fabricated by atomic layer deposition on photocarrier transportation direction

The heterojunction effects of TiO2 nanotubes on photoconductive characteristics were investigated. For ITO/TiO2/Si diodes, the photocurrent is controlled either by the TiO2/Si heterojunction (p-n junction) or the ITO-TiO2 heterojunction (Schottky contact). In the short circuit (approximately 0 V) condition, the TiO2-Si heterojunction dominates the photocarrier transportation direction due to its larger space-charge region and potential gradient. The detailed transition process of the photocarrier direction was investigated with a time-dependent photoresponse study. The results showed that the diode transitioned from TiO2-Si heterojunction-controlled to ITO-TiO2 heterojunction-controlled as we applied biases from approximately 0 to -1 V on the ITO electrode

Wealth Effects of Dividend Announcements on Bondholders: The Case of Taiwan Bond Market

Although bonds play an important role in U.S. capital markets, this financial instrument is less common in the emerging markets. Taiwan is a typical case. In fact, both bond issuances and bond transactions in Taiwan have been declining in the past years. Consistent with the previous studies, this research documents that wealth transfer effects exist between bondholders and stockholders. We hypothesize that this wealth transfer discourages investors from investing in bond markets because companies in Taiwan seem to care less about the interest of bondholders. Using the event study methodology, we examine the price change of bonds and stocks in Taiwan capital market around cash dividend announcements. We find that there are significant abnormal returns before cash dividend announcements from 30 days to 60 days and that there is insignificant price change of bonds during the three-day period around the announcement. Possible explanations of the results include low bond trading volumes, insider trading before announcements, and mixing signaling and wealth transfer effects. Although this study cannot prove that the results are directly related to management holdings, we tend to believe that insider trading somehow matters

Sonographic Detection of Pseudoaneurysm in Vascular Injury in Emergency Department

A 31-year-old man suffered from a stab wound to the lower extremity. The patient had a hard sign of a vascular injury (a diminished distal pulse) and therefore probably should have undergone operative repair, but refused. One week later, he returned to our emergency department with a painful right thigh swelling. Bedside sonography was used to detect a pseudoaneurysm. Emergency sonography is a fast, non-invasive, and rapid decision-making approach in emergency practice