Developing customer positive word-of-mouth and loyalty in mobile banking services by considering the role of trust and security

The number of people involved in electronic commerce is growing. Mobile banking, which was introduced by developing mobile technology, is a newly adopted technology in electronic commerce. Mobile banking is accepted as part of the daily lives of people, but focusing on merely adopting this technology is insufficient. Managers should go far beyond to increase the number of their customers. In addition, increasing the number of customers in an online business without considering several factors is difficult. Therefore, the importance of investigating the development of customer loyalty and positive word-of-mouth (WOM) as two major concerns of online managers is remarkable. Trust and security are the two principal technical factors cited by most researchers in adopting mobile banking needs. Several studies have focused on the relationships between customers and banks through mobile technologies, but research that analyzes the formation of both concepts is scant. Hence, this paper investigates the relationship of security and trust for developing customer loyalty and positive WOM in mobile banking services. Data are collected from mobile banking users in Malaysia through questionnaires. The data are subsequently analyzed through SPSS and LISREL software. Results indicate a direct and positive relationship between security and trust in developing customer loyalty and positive WOM

A User Readiness Model of Social Media for Learning among Polytechnic Students in Nigeria

The adoption of Internet resources for learning continues to grow in the world today. Despite the abundant benefit of utilizing social media due to the growth of web 2.0, an internet resource for communication and interaction, its use has not been fully embraced as a teaching tool in Nigeria. Social media is becoming a prominent communication tool and found to be facilitating teaching and learning activities among students. However, the user readiness of social media in learning by the students has been challenging. Despite the wide acceptance of social media (such as Facebook, Twitter, and WhatsApp, e.t.c.) amongst Nigerian polytechnic students, they do not utilize it for academic pursuit. This study examined the Use of Social Media among students in Nigerian Polytechnics. The main objective of this study is to find out the user readiness’ factors that influence the use of social media by the students in Nigerian Polytechnic. The evaluation results show that social media is an indispensable Internet platform among Nigerian Polytechnic students

User perceptions of the technology characteristics in a cloud-based collaborative learning environment: a qualitative study

The purpose of this study was to assess user perceptions of technology characteristics, which is a complicated construct in task technology fit model, in a cloud-based collaborative learning environment. For this purpose, cloud computing characteristics cited in the previous related research, were categorised into cost saving, ease of implementation, flexibility, mobility, scalability, sustainability, personalization, processing capabilities, agility, collaboration, usability, risk reduction, measured service, on demand self-service, and resource pooling. Interviews were then conducted with students who had some experience in using cloud-based applications for collaborative learning. Directed content analysis was performed using ATLAS.ti software to organise the coding process. The results of coding data showed that collaboration, mobility, and personalization, which resulted from previous related literature, are also cited by a large number of participants in interviews as being significant characteristics of cloud-based collaborative learning applications. Organisational cost saving, ease of implementation, flexibility (elasticity), scalability, sustainability, processing capabilities, agility, usability, risk reduction, measured service, on demand self-service, and resource pooling were not mentioned by any of the participants at all. However, easy monitoring and assessment, time control and saving, cost saving, accessibility, ease of use, and easy connection to other applications were new themes that emerged inductively during data analysis

E-learning utilization among Nigerian polytechnics students

The advent of e-learning in education has changed the phases of global education worldwide. It is a modern creation in education, which emphasises learner’s oriented and lifelong teaching learning procedures. Despite the enormous importance of e-learning to educational development, it is worrisome that most institutions of higher learning especially in the developing countries have failed to embrace its effective utilization among their students. There are series of studies on E-learning utilization in Nigerian Higher institution with little or none on e-learning utilization among Nigerian Public Polytechnics students in the North Western part of Nigeria. Therefore, this study identified factors affecting effective utilization of e-learning among students of Nigerian Polytechnics in the North Western part of Nigeria. Questionnaires was used to elicit information from the respondents. Findings reveals that elearning is not being utilize by the students and also identified anxiety, culture, motivation, technology and attitude as factors influencing e-learning utilization among Nigerian Polytechnic students. It was recommended that Lecturers should encourage and guide student on the use of computer for learning purpose

Business intelligence readiness factors for higher education institution

Higher Education Institution (HEI) have embarked on the new style of decision-making with the aim to enhance the speed and reliability of decision-making capabilities. One of the hardest challenges in implementing Business Intelligence (BI) is the organization’s readiness towards adopting and implementing BI systems. Currently, few published studies have examined BI readiness in HEI environment. Seeing this challenge, this study aims to contribute in determining the BI readiness factors in HEI specifically in the deployment strategies. Through inductive attention to BI in HEI environment, three broad factors have been identified: a) Organizational – that concerning on business strategies, process and structure, b) Technology – involves the BI system and knowledge for managing including the sources and c) Social – the culture within organization that may influence decision-making and its processes. This paper also makes recommendations for future research

Methodology of rolling horizon scheduling under demand uncertainty

Production planning and scheduling play a prominent role in any kind of manufacturing activities that require resources input in terms of men, materials, machines and money (capital). It is a process of developing good relationship between market demands and production capacity in such a way that customers demand are satisfied and at the same time production activities are carried out in an economic manner. A reliable and efficient production planning and scheduling is essential in order to manage the production operations effectively. In a rolling horizon setting, the frequency with which a master production schedule (MPS) is updated or replanned can have a significant impact on MPS stability, productivity, production and inventory costs and customer service. Hence, one of the important decisions in the design of a rolling horizon MPS is the frequency of replanning. In this paper, we propose the possibility to establish a method for planning the MPS under demand uncertainty. A stochastic lot sizing algorithm is used to test the effectiveness of the rolling horizon MPS construction and extension. Therefore, a computer model was built to simulate the MPS activities under rolling horizon requirement. This model use a combination of an autoregressive fractionally integrated moving average (ARFIMA) forecasting model and fractional differencing method. The advantages of the ARFIMA time series model with fractional differencing method will benefits in planning the MPS under demand uncertainty

Self-directed learning: student's interest in viewing the learner model

All universities in Malaysia are required to use a variety of teaching-learning methods, especially self-directed and long life learning, and the use of information and communication technology. Self-directed learning methods encourage students to recognise their needs and manage their learning, as well as deepen their understanding using complimentary activities. Therefore, student self-knowledge is essential. One aim of 'open learner models' is to encourage reflection, independent learning and formative assessment/progress monitoring, which fits well with the self-directed learning approach. An open learner model is part of a computer-based interactive learning environment where the individual learner can view information about their knowledge, difficulties and misconceptions. Using the simple independent open learner model, this paper present students' interest in viewing their learner model and considers the potential for open learner models as an approach to encourage self-directed and long life learning amongst students in institutes of higher learning in Malaysia

Users’ trust in open learner models

This thesis is to investigate learner trust in an open learner model. Issues of trust become more important in an open learner model (OLM) because the model is available for learners to inspect and this may increase their perceptions of how a system evaluates their knowledge and updates the model. It is important to provide learners with a trustworthy environment because it can engage them to continue to use the system. In this thesis we investigate learner trust in two main perspectives: from the perspective of the system as a whole and from the perspective of OLM features. From the perspective of the system as a whole, we investigate the extent to which learners trust and accept the OLM system on their first use, the extent to which learners continue using the OLM optionally after their initial use, and the extent to which learner trust and accept the OLM after long term of use. From the perspective of OLM features in the OLM environment, we investigate learner trust based on most common features: (i) complexity of model presentation; (ii) level of learner control over the model; (iii) the facility to view peer models and release one's own model to peers. Learners appear to have a different level of trust in the OLM. Learners trust the system more in the short period of time. Learners also trust the different view of model presentation and the different level of learner control in OLM. In terms of peer models, the named peer model is trusted more than the anonymous model. Based on the findings, a set of requirements is established to help the designer in OLM to design a more trustable OLM