Satisfacción del cliente en el sector de la banca digital en Vietnam: un enfoque de meta-caso

As the digitalization of financial services increases, it is the customers who benefit, and the banks have more capacity to enhance the experience and digital satisfaction of their target customers. The paper focuses on an important issue of the Vietnamese banking system. It is the process of digital transformation through applying leading fintechs to their core banking platform. Therefore, the main objective of this research is to explore the possible relationship between customer satisfaction with digital banking services and the other observed variables due to the theory of SERVQUAL. This study reaffirms and adds to the measurement scale system of customer satisfaction concepts while experiencing digital banking services. This helps researchers in the banking sector of Vietnam and around the world have a scale to conduct their researches on customer satisfaction. The author also uses quantitative analysis for a random sample survey within the banking network of Northern region of Vietnam (290 samples in total). Descriptive analysis, reliability analysis of scale, exploratory factor analysis, or multiple regression analysis all provide better perspectives on the relationship between customer satisfaction and the digital services that banks are offering. The major findings of the study involve the fact that focusing on minimizing response time to customers' inquiries and individualizing services to each one of them are the things that the digital banks in Vietnam need to do beforehand. To conclude, the roles of tangibles and responsiveness in the digital banking services can only be examined much more thoroughly in the upcoming researches while this one cannot.   Keywords: Customer satisfaction; Customer loyalty; Digital bank; E-banking service; VietnamA medida que aumenta la digitalización de los servicios financieros, son los clientes los que se benefician y los bancos tienen más capacidad para mejorar la experiencia y la satisfacción digital de sus clientes objetivo. El documento se centra en un tema importante del sistema bancario vietnamita. Es el proceso de transformación digital mediante la aplicación de fintechs líderes a su plataforma de banca central. Por lo tanto, el objetivo principal de esta investigación es explorar la posible relación entre la satisfacción del cliente con los servicios de banca digital y las demás variables observadas debido a la teoría de SERVQUAL. Este estudio reafirma y suma al sistema de escalas de medición los conceptos de satisfacción del cliente al experimentar los servicios de banca digital. Esto ayuda a los investigadores del sector bancario de Vietnam y de todo el mundo a tener una escala para realizar sus investigaciones sobre la satisfacción del cliente. El autor también utiliza un análisis cuantitativo para una encuesta de muestra aleatoria dentro de la red bancaria de la región norte de Vietnam (290 muestras en total). El análisis descriptivo, el análisis de confiabilidad de escala, el análisis factorial exploratorio o el análisis de regresión múltiple brindan mejores perspectivas sobre la relación entre la satisfacción del cliente y los servicios digitales que ofrecen los bancos. Los principales hallazgos del estudio involucran el hecho de que centrarse en minimizar el tiempo de respuesta a las consultas de los clientes e individualizar los servicios para cada uno de ellos son las cosas que los bancos digitales en Vietnam deben hacer de antemano. Para concluir, los roles de los elementos tangibles y la capacidad de respuesta en los servicios bancarios digitales solo pueden examinarse mucho más a fondo en las próximas investigaciones, mientras que esta no puede.   Palabras Clave: La satisfacción del cliente; La lealtad del cliente; banco digital; servicio de banca electrónica; Vietna

Employee Engagement in Finance - Banking Organizations in Vietnam: a Meta-Case Approach

Purpose: The research objective of this article is to approach the diverse situations of commercial banks in Vietnam in examining employee engagement in order to create effective employee classes in performing tasks. This, in turn, ensures the stability in growth and creates a proud and traditional organizational culture.   Theoretical framework: The study has reviewed and selected the core contents of previously published studies globally to come up with its own research framework with Employee Engagement latent variable as the center, and other 7 main observed variables. At the same time, the study uses two groups of latent variables, JS and EA, respectively, to refer to job satisfaction and external attractive factors for employees of commercial banks in Vietnam.   Design/methodology/approach: Research designed in an inductive manner. However, conducting the research through a mixed method is still necessary for better conclusions. The author approached some typical commercial banks at once (also called, the meta-case approach, which includes the traditional approaches to Multiple Regression analysis and new assumptions in the approach, along with SEM-CB analysis).   Findings: Research has shown a relationship between the latent variables, Employee Engagement, Job Satisfaction and External Appeals. The correlation between variables in assumed cases show the importance of different groups of factors affecting the ultimate goal of the human resource management process in commercial banks. It is the loyalty to the organization of the employees. In particular, the outstanding factors that can be further analyzed are Promotion opportunities, Moral standards ​​and Organizational brand.   Research, Practical & Social implications: The study is a good reference for the system of commercial banks, especially with the unique characteristics of commercial banks in Vietnam. In addition, having loyal employees creates enduring businesses.   Originality/value: The research has been conducted by the author, ensuring standards of research and ethical factors in publication. It contributes additional material to specialized research in Management, Human Resources and Business in general

WEATHER ON THE GO: AN ASSESSMENT OF SMARTPHONE MOBILE WEATHER APPLICATIONS USE AMONG COLLEGE STUDENTS

Millions of people in the United States regularly acquire essential information from weather forecasts for a wide variety of reasons. A myriad of sources exists for obtaining daily weather information, and the rapid growth in mobile device technology has created a very convenient means for people to retrieve this data. Smartphone and technology use have soared in recent years, and mobile weather applications (MWAs) have also rapidly gained popularity. Research on weather sources, however, has been unable to sufficiently capture the importance of this form of information gathering. As use of these apps continues to grow and the market expands with increasing options, it is important to gain insight on which MWAs and what MWA features are most useful to consumers. To better examine MWA preferences and behaviors relating to acquired weather information, a survey of 308 undergraduate college students from three different universities throughout the southeast United States was undertaken. Analyses of the survey showed that smartphone MWAs are the primary source among college students for seeking weather forecasts. Additionally, MWA users tend to seek short-term forecast information, like the hourly forecast, from their apps and spend very little time using the app itself. Additional results provide insight on daily MWA use by college students as well as perceptions of and preferential choices for specific MWA features, designs, and various brands in the weather enterprise. The information gathered from this study will allow other researchers to better evaluate and understand the changing landscape of weather information acquisition and how this relates to the uses, perceptions, and values people garner from forecasts. Companies and organizations that provide weather forecasts have an ever-growing arsenal of resources to disseminate information, making research of this topic extremely valuable for future development of weather communication technology

EFFECT OF SOME EXPERIMENTAL FACTORS ON PREPARATION OF LIQUID NATURAL RUBBER

The article presents results of effect of factors comprising the types of irradiation, the concentration of NR solution and the content of hydroperoxide in mixture on photochemical depolymerization of natural rubber. The results showed that the ultraviolet irradiation from the vapor mercury lamps (HSW-250W and HSW-125W) caused the faster rate of depolymerization than the light from  HF-500W; increasing concentration of NR in toluene leaded to decrease the rate of depolymerization; and as the content of hydroperoxide increased the rate of depolymerization was faster. Additionally, the IR spectra, 13C-NMR of products were determined and showed that the cis-1,4-isoprene structure has not been changed and there was the presence of hydroxyl-terminated groups and a few epoxy groups in chains

Novel recommendation for enhancing optical properties of CP-WLEDs by Ba2Si5N8Eu2+ phosphor

In this paper, the Ba2Si5N8Eu2+ phosphor is proposed as the novel recommendation for enhancing the optical properties in terms of D-CCT, CRI, CQS, and LO of the CP-WLEDs. Firstly, we conducted the physical model of the CP-WLEDs in the Light Tools software with the main parameters like the real LEDs. Furthermore, the scattering process in LEDs compound of the CP-WLEDs is simulated and investigated by the Matlab software. Then the influence of the Ba2Si5N8Eu2+ concentration on the D-CCT, CRI, CQS, and LO of the CP-WLEDs is investigated. Finally, the research results showed that the Ba2Si5N8Eu2+ concentration has a considerable effect on the D-CCT, CRI, CQS, and LO of the CP-WLEDs. From the results, we can state that the Ba2Si5N8Eu2+ phosphor can be considered as the novel recommendation for enhancing the optical properties of the CP-WLEDs

Fast Public Transit Routing with Unrestricted Walking through Hub Labeling

International audienceWe propose a novel technique for answering routing queries in public transportation networks that allows unrestricted walking. We consider several types of queries: earliest arrival time, Pareto-optimal journeys regarding arrival time, number of transfers and walking time, and profile, i.e. finding all Pareto-optimal journeys regarding travel time and arrival time in a given time interval. Our techniques uses hub labeling to represent unlimited foot transfers and can be adapted to both classical algorithms RAPTOR and CSA. We obtain significant speedup compared to the state-of-the-art approach based on contraction hierarchies

QUANTUM TELEPORTATION OF ENTANGLED STATES VIA GENERALIZED PHOTON-ADDED PAIR COHERENT STATE

In this paper, we study the quantum teleportation of an unknown atomic state based on the two-photon Jaynes-Cummings model, consisting of an effective two-level atom with a two-mode field in the generalized photon-added pair coherent state (GPAPCS). By applying the detecting method, we use a scheme that includes two two-level atoms and a cavity field to teleport the unknown atomic state from a sender to a receiver. The results show that the number of photons added to the field and the intensity of the initial field influence the average fidelity and success probability of the teleportation process. The time-evolution dependence of the average fidelity is also considered and compared for the field in the pair coherent state and in the GPAPCS

UHPLC-UV method validation for simultaneous quantification of vitexin and isovitexin from Santalum album L. leaves

Santalum album L. is a precious medicinal herb with high economic value and has been extensively cultivated in Vietnam in recent years. Studies have revealed that the leaves contain two main active ingredients vitexin and isovitexin, which have demonstrated significant potential in treating diabetes, cancer, and inflammation. To contribute to the standardization of the title medicinal herb and its formula, a simple, fast precise and selective method for the simultaneous quantification of vitexin and isovitexin using ultra-performance liquid chromatography (UHPLC) has been developed and validated. The quantification procedure was performed on a Hypersil GOLD aQ Column (3 μm; 150 × 2.1 mm) at 35°C, with a mobile phase of acetonitrile (A) and and water with 0.1% formic acid (B), a flow rate of 0.3 mL/min, a detection wavelength of 336 nm, and an injection volume of 3 µL. The gradient program was set to 0.0-15.0 minutes, transitioning from 5% to 35% A, and 15.0-20.0 minutes, transitioning from 35% to 5% A. Validation of the quantification procedure, following ICH Q2 (R2) guidelines, demonstrated that the method achieved specificity, accuracy, precision, and linearity, with a high correlation between the peak area and the concentrations of vitexin and isovitexin (R2 values of 0.9998, respectively). Thus, the developed method can be utilized to determine the content of vitexin and isovitexin in Santalum album L. leaves, contributing to the standardization of medicinal herbs