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Raza, Syed Ali, Amna Umer, Muhammad Asif Qureshi, and Abdul Samad Dahri. "Internet banking service quality, e-customer satisfaction and loyalty: the modified e-SERVQUAL model." TQM Journal 32, no. 6 (July 2, 2020): 1443–66. http://dx.doi.org/10.1108/tqm-02-2020-0019.
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PurposeThis study explores the service quality dimensions in Internet banking and their impact on e-customer’s satisfaction and e-customer’s loyalty. This study tries to inspect the structural association between Internet banking service quality, electronic customer satisfaction and electronic customer loyalty based on separate constructs.Design/methodology/approachIn this present research, quantitative approach is applied. The data is gathered from 500 bank clients in Pakistan by using structured questionnaires, and the theoretical model is tested by partial least square structured equation modeling (PLS-SEM). Moreover, convergent validity and discriminant validity were assessed.FindingsResults show that all the dimensions are found to have a positive and significant influence on customer satisfaction while customer’s satisfaction has a significant and positive impact on customer’s loyalty. Findings indicate that service quality plays a very important role in every society, as it has become the basis for how customers interpret online banking and, in the end, how it interacts and operates with online services.Practical implicationsThis research adds up considerably to the literature of bank marketing, and it is also fruitful for the academicians since it demonstrates the way Internet banking service quality determinants predict e-satisfaction of clients which ultimately raises the e-loyalty of clients. This study is useful for those E-retailers and managers who want to grab e-retailing market.Originality/valueThis research suggests a model which ultimately enhances customer loyalty towards Internet banking service quality through customer satisfaction in Pakistan. It involves modified model of E-SERVQUAL (user friendliness, efficiency of websites, personal need, and site organization) which connects it to electronic customer satisfaction and electronic customer loyalty. Therefore, it will assist the Internet banking sector in building effective marketing tactics, establishing long lasting relationships with clients and acquiring the competitive edge in the market.
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Rahi, Samar, and Mazuri Abd.Ghani. "Investigating the role of UTAUT and e-service quality in internet banking adoption setting." TQM Journal 31, no. 3 (May 8, 2019): 491–506. http://dx.doi.org/10.1108/tqm-02-2018-0018.
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Purpose Technology adoption is a great challenge in the banking sector of Pakistan. A recent report issued by state bank of Pakistan revealed that there is a squeak growth, only 3 percent, in internet banking adoption. In order to effectively delve into the issue of internet banking adoption, the purpose of this paper is to use unified theory of acceptance and use of technology factors, namely performance expectancy and effort expectancy and e-service quality (E-SQ), as theoretical lens for this study. Design/methodology/approach The research model was empirically tested using 398 valid responses from customers of commercial banks in Pakistan. The theoretical model was tested using structural equation modeling. Findings Findings indicate that performance expectancy, effort expectancy, website design, customer service, assurance and reliability have direct influence on user intention to adopt internet banking. Results revealed that approximately 79 percent of variance in user intention to adopt internet banking was explained by predictors. In addition, the mediating role of performance expectancy and effort expectancy among website design, customer service and user intention was also confirmed. Practical implications For researchers, this study provides a base of integrated technology model and it suggests using this model in other online domains such as mobile payment and online web-shopping for further refinement. For policymakers, understanding the key constructs is important to design, refine and implement new internet banking website that, in turn, will boost internet banking adoption trend among users of commercial banks. Originality/value This paper makes a unique contribution toward information system and services marketing literature. The study schematized that website design, customer service, assurance and reliability are the key dimensions of E-SQ and significantly influence the user intention to adopt internet banking.
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Zhang, Yun, Xiaogang Chen, Xinhui Liu, and Nan Zhu. "Exploring trust transfer between internet enterprises and their affiliated internet-only banks." Chinese Management Studies 12, no. 1 (April 3, 2018): 56–78. http://dx.doi.org/10.1108/cms-06-2017-0148.
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Purpose With the development of information technology, there is a growing trend for internet enterprises in China to launch internet-only banks. This paper aims to explore how the brand trust in an internet enterprise is transferred to the initial trust in its affiliated internet-only bank and how such transfer affects adoption behavior of potential internet-only banking users. Design/methodology/approach Data were obtained from online questionnaires via a well-known Chinese survey website and a popular Chinese social platform, which yielded 486 usable responses for the analysis. Partial least squares was used for testing hypotheses. Findings The results show that brand trust in the internet enterprise increases initial trust in its affiliated internet-only bank. This, in turn, enhances the adoption of internet-only banking. More importantly, these results show that brand trust in the internet enterprise transfers to initial trust in internet-only banking through performance expectancy and perceived risk. Further, the need for interaction moderates the relationship between brand trust and performance expectancy as well as the relationship between brand trust and perceived risk. Originality/value This study provides new insights into the mechanism by which trust is transferred between two affiliated business entities. The results of the study suggest several useful managerial implications for managing the internet-only banks.
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Baicu, Claudia Gabriela, Iuliana Petronela Gârdan, Daniel Adrian Gârdan, and Gheorghe Epuran. "The impact of COVID-19 on consumer behavior in retail banking. Evidence from Romania." Management & Marketing. Challenges for the Knowledge Society 15, s1 (October 1, 2020): 534–56. http://dx.doi.org/10.2478/mmcks-2020-0031.
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AbstractThe pandemic COVID-19 has severely affected the global economy. The strict lockdown measures have also changed the daily live, including consumer behavior in retail banking. In this context, the purpose of this paper is to investigate the impact of the COVID-19 crisis on consumer behavior in retail banking, with a special focus on the Romanian banking sector. To achieve our goal, we performed a survey among the Romanian consumers in retail banking, using as research method the field survey based on questionnaire. The final sample comprised 738 valid responses from the metropolitan area retail banking consumers. The research brings a fresh insight on retail banking services consumption during the pandemic and validates a conceptual model regarding the internet and mobile banking services acceptance. The research’ results highlighted, among others, that the variable concerning the perception of the COVID-19 pandemic effect on consumers’ lifestyle has a direct and positive influence on the variable regarding the attitude toward internet and mobile banking services, mediated by other variables like safety of internet and mobile banking use and trust in banks. Several social and managerial implications are also discussed, because it is possible that the tendency to use internet and mobile banking services will prevail even after the post pandemic stage, as new consumption behavior models are developing. Banks in Romania should increase their initiatives to offer financial education courses and online tutorials to familiarize customers with the use of digital channels. Banks should also improve communication with clients and design new products and services to increase the attractiveness of saving process. They should demonstrate flexibility in negotiating lending and refinancing conditions as well.
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Moreno-Garcia, Elena, Arturo Garcia-Santillan, and Damaris Platas Campero. "Students Perception About Digital Financial Services." International Journal of Financial Research 12, no. 4 (March 18, 2021): 212. http://dx.doi.org/10.5430/ijfr.v12n4p212.
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The purpose of this research is to determine how the students from a Mexican university perceive the different digital financial services. For the study, the Durai and Stella (2019) test was used, which is made up of twelve indicators in a Likert format to assess the perception of digital services, based on their convenience, adaptability, affordability, security, user-friendliness, trailing fee, accurate timing, online monthly statement, quick financial decision making, interbank account accessibility and internet connectivity. The main findings point to the satisfaction that respondents feel towards digital financial services in the five dimensions that were studied: Internet Banking, Mobile Banking, Mobile Wallet, Credit Cards and Debit Cards. Student’s perception was extremely satisfactory towards Debit Card services, especially on the indicators of adaptability, affordability, security, user-friendliness, accurate timing, online monthly statement and portability. In addition, the Mobile Banking services had a positive impact on the Interbank account accessibility and Internet Connectivity. This could be explained by the way these current generations of young millennials easily handle technological use.
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Chen, Kuanchin, J. Michael Tarn, and Bernard T. Han. "Internet dependency: Its impact on online behavioral patterns in E-commerce." Human Systems Management 23, no. 1 (March 5, 2004): 49–58. http://dx.doi.org/10.3233/hsm-2004-23104.
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Delivering the right Internet service to the right person has been a major challenge to E-commerce strategies. Developers of E-commerce and online services have constantly faced the issue of scarce design guidelines to model their customers' online behavioral patterns. This has called for new research on the characteristics of Internet users so that appropriate E-commerce website design strategies can be developed. This study attempts to investigate the possibility of the non-detrimental effects of Internet dependency and proposes an instrument to measure both positive and negative Internet dependency. The authors further assess the effects of these two types of dependency on several online activities to delineate the characteristics of Internet users. This article is concluded with the managerial implications of the findings and the suggested E-commerce website design guidelines.
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Bashir, Irfan, and Chendragiri Madhavaiah. "Consumer attitude and behavioural intention towards Internet banking adoption in India." Journal of Indian Business Research 7, no. 1 (March 16, 2015): 67–102. http://dx.doi.org/10.1108/jibr-02-2014-0013.
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Purpose – The purpose of this paper is to provide an insight into the determinants of the customers’ attitude and behavioural intention to use Internet banking services, paying special attention to the role of perceived risk, trust, enjoyment, website design and social influence. Design/methodology/approach – A research model grounded on the technology acceptance model (TAM) reflecting the effects of trust, perceived risk, perceived enjoyment, perceived website design and social influence on TAM constructs is proposed. The structural equation modelling technique is used to analyse a sample of 697 individual Internet banking users in India through an online survey. Findings – The results of data analysis confirm some of the hypotheses drawn from the literature. Consistent with some of the other studies, perceived usefulness, perceived ease of use, trust and perceived enjoyment are found to be immediate direct determinants of customers’ attitude towards using Internet banking. Attitude, perceived risk, perceived enjoyment and trust determine the customers’ behavioural intentions to use Internet banking. Although the direct effect of perceived website design is significant only on perceived ease of use, its indirect effects are significant on perceived usefulness, attitude and behavioural intentions. Furthermore, perceived enjoyment exerts both direct and indirect effects on perceived usefulness but exerts only direct effect on perceived ease of use. Research limitations/implications – Generalizability of the research is a practical limitation in consumer research studies and the present study is not an exception to that. The current study focused only on some technological, behavioural and attitudinal factors, and many customer-specific factors and other psychographic and behavioural factors such as cost, perceived value, service quality and satisfaction, which can provide more significant insight into the adoption process, are not a part of the scope of the study. Practical implications – This research specifies the implications in three perspectives, viz., theoretical, methodological and managerial. Furthermore, this study provides the practical recommendations to enhance customer trust and guidelines to reduce perceived risk. The most significant implication for the banking sector is that apart from offering useful and user-friendly services, they need to build a trusting relationship with customers. Originality/value – This study extends existing body of Internet banking literature by incorporating trust and risk perceptions. The effects of website design and perceived enjoyment on Internet banking acceptance have been examined and were found to be significant in the Indian context. In addition, it enables us to contribute to the current literature on the emerging Indian Internet banking services (IBS) market, which is largely under-researched.
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Hsieh, Chang-tseh. "E-commerce payment systems: critical issues and management strategies." Human Systems Management 20, no. 2 (August 29, 2001): 131–38. http://dx.doi.org/10.3233/hsm-2001-20206.
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The advent of the Internet commerce has prompted the invention of several payment tools to help facilitate the completion of business transactions over the Internet. Most of these tools still fail to gain sufficient supports from online merchants. This paper reviews some intriguing features of several major online payment instruments, their potential problems, and proposes some practical strategies to reduce the possible frauds association with the use of those instruments on the Net.
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Xiao, Kairong. "Monetary Transmission through Shadow Banks." Review of Financial Studies 33, no. 6 (October 4, 2019): 2379–420. http://dx.doi.org/10.1093/rfs/hhz112.
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Abstract I find that shadow bank money creation significantly expands during monetary-tightening cycles. This “shadow banking channel” offsets reductions in commercial bank deposits and dampens the impact of monetary policy. Using a structural model of bank competition, I show that the difference in depositor clienteles quantitatively explains banks’ different responses to monetary policy. Facing a more yield-sensitive clientele, shadow banks are more likely to pass through rate hikes to depositors, thereby attracting more deposits when the Federal Reserve raises rates. My results suggest that monetary tightening could unintentionally increase financial fragility by driving deposits into the uninsured shadow banking sector. Authors have furnished an Internet Appendix, which is available on the Oxford University Press Web site next to the link to the final published paper online.
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MAIXÉ-ALTÉS, J. CARLES. "The Digitalization of Banking: A New Perspective from the European Savings Banks Industry before the Internet." Enterprise & Society 20, no. 1 (September 4, 2018): 159–98. http://dx.doi.org/10.1017/eso.2018.18.
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This work is a contribution to the study of the adoption and use of computers in the savings bank industry in western Europe before the arrival of the Internet. It documents the presence of a pan-European network of IT users and analyzes the role of their industry associations in the processes of adopting and disseminating technology. It describes and analyzes their situation as late technology users, indicating certain specific and original patterns in the adoption of computers. Special attention is given to the implementation of shared computer centers throughout Europe and the results in the area of online accounting systems and teleprocessing systems as steps before the development of savings bank electronic funds transfer networks. It documents that in the savings banks industry, a reciprocal influence between technology and its uses was in play over long period of time and throughout the technological changes.
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Rob, Mohammad A., and Emmanuel U. Opara. "Online credit card processing models: Critical issues to consider by small merchants." Human Systems Management 22, no. 3 (July 13, 2003): 133–42. http://dx.doi.org/10.3233/hsm-2003-22305.
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Electronic commerce is continuing as a thriving business for those companies that streamlined their online business processes; however, making payments over the Internet is still fearsome to customers. Although a variety of payment mechanisms have been developed, payment by credit cards remain the leading mechanism for online payments. For real-time online credit card processing, a merchant needs to install a third-party proprietary software in the merchant e-commerce server. However, many issues need to be resolved before integrating a third-party payment solution to a merchant e-commerce system. In this paper, we attempt to address the current state of the online credit card processing system, especially we discuss the available models of online real-time credit card processing systems. We also discuss several factors such as cost, complexity and security issues related to implementing such a system. The results can be extremely valuable to small businesses that are venturing into Internet commerce.
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Bhat, Suhail Ahmad, and Mushtaq Ahmad Darzi. "Online Service Quality Determinants and E-trust in Internet Shopping: A Psychometric Approach." Vikalpa: The Journal for Decision Makers 45, no. 4 (December 2020): 207–22. http://dx.doi.org/10.1177/02560909211012806.
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Albuquerque, Rui, Luís Cabral, and José Guedes. "Incentive Pay and Systemic Risk." Review of Financial Studies 32, no. 11 (March 4, 2019): 4304–42. http://dx.doi.org/10.1093/rfs/hhz028.
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AbstractWe show that, in the presence of correlated investment opportunities across firms, risk sharing between firm shareholders and firm managers leads to compensation contracts that include relative performance evaluation. These contracts bias investment choices toward correlated investment opportunities, and thus create systemic risk. Furthermore, we show that leverage amplifies all such effects. In the context of the banking industry, we analyze recent policy recommendations for firm managerial pay and show how shareholders optimally undo the policies’ intended effects.Received October 31, 2017; editorial decision August 21, 2018 by Editor Wei Jiang. Authors have furnished an Internet Appendix, which is available on the Oxford University Press Web site next to the link to the final published paper online.
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Baron, Matthew. "Countercyclical Bank Equity Issuance." Review of Financial Studies 33, no. 9 (February 27, 2020): 4186–230. http://dx.doi.org/10.1093/rfs/hhaa008.
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Abstract Over the period 1980–2012, large U.S. commercial banks raise and retain less equity during credit expansions, which amplifies their leverage. The decrease in equity issuance is large relative to subsequent banking losses. I consider a variety of explanations for why banks resist raising equity and find evidence consistent with the diminishment of creditor market discipline due to government guarantees. I test this explanation by analyzing the removal of government guarantees to German Landesbank creditors and find that creditor market discipline and equity issuance increase. These findings help explain why banks resist raising equity, making financial distress more likely. Authors have furnished an Internet Appendix, which is available on the Oxford University Press Web site next to the link to the final published paper online.
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Yulyanah, Yulyanah, and Desi Kurniawati. "Financial Analysis Of Students With The Application Of E-Learning." Gorontalo Accounting Journal 4, no. 1 (April 29, 2021): 84. http://dx.doi.org/10.32662/gaj.v4i1.1387.
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This study aims to find out the views of students with the application of E-Learning learning during the pandemic. This research method is qualitative descriptive with the research subject of D3 Accounting students of the Faculty of Economics, Pamulang University in the 2020-2021 school year. The data was obtained from a questionnaire in the form of a goggle form given to respondents. The number of respondents who filled as many as 123 respondents.. The results of the study concluded that for online learning income there was a 6% decrease in > from Rp. 1,000,000 when offline 38% to 24% when online. As for expenses - expenses that increase are utility costs, internet quota costs and consumption costs for costs that decrease when online learning is for transportation costs. From the results of the analysis of income and expenditure dominant reponden tend to choose offline or offline learning as much as 59% of respondents.
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Federman, Jessica E. "Interruptions in online training and their effects on learning." European Journal of Training and Development 43, no. 5/6 (July 1, 2019): 490–504. http://dx.doi.org/10.1108/ejtd-10-2018-0100.
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Purpose The purpose of this paper is to identify the types of interruptions learners experience during online training and their effects on learning. Design/methodology/approach An internet-based survey was distributed to individuals who experienced interruptions during e-learning to uncover common characteristics. A conceptual framework relating interruption characteristics to self-regulatory facets of learning is discussed. Findings The study reveals that e-learners experience computer malfunctions, supervisors and family/friends as common sources of interruptions. The survey also reveals that interruptions are occasionally self-generated. Originality/value This paper synthesizes the interruption and self-regulated learning literatures and provides a framework for understanding how interruptions affect online learning. This framework can be used by practitioners and scholars for future research and testing interrupted e-learning.
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Li, Qingyuan, Chen Lin, and Li Xu. "Political Investment Cycles of State-Owned Enterprises." Review of Financial Studies 33, no. 7 (September 12, 2019): 3088–129. http://dx.doi.org/10.1093/rfs/hhz090.
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Abstract Using a large panel of more than 140,000 state-owned enterprises (SOEs), this study examines SOEs’ investment behavior surrounding 82 national elections in 25 European countries between 2001 and 2015. We find that SOEs increase their corporate investment by about 29% of the sample average during national election years. This effect is more pronounced in fixed timing and closely contested elections. The effect is also stronger in countries with low institutional quality, more centralized political systems, and state-controlled banking systems. In contrast, we find the matched non-SOEs significantly decrease their corporate investment during national election years. (JEL G18, G30, G32, E22) Authors have furnished an Internet Appendix, which is available on the Oxford University Press Web site next to the link to the final published paper online.
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Wang, Sophia, Simon Wang, and Ming Wang. "Shopping Online or Not? Cognition and Personality Matters." Journal of Theoretical and Applied Electronic Commerce Research 1, no. 3 (December 1, 2006): 68–80. http://dx.doi.org/10.3390/jtaer1030023.
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E-commerce has brought both opportunities and challenges to Internet marketers. One challenge facing the marketers is to “convert” Internet users who are reluctant to buy things online to real online shoppers. To enlarge online customer base, it is necessary for researchers and practitioners to understand cognitive and psychological factors involved in a potential online buyer’s decision-making process. Drawing upon consumer innovativeness and technology acceptance research, we developed a conceptual model about how cognition and personality would affect an individual’s attitude toward online shopping and hence his or her purchasing intention. Our findings show that what an individual thinks and feels about online shopping do influence his or her purchasing intention. The individuals who were more risk-taking, open to new experience, and had higher level of self-efficacy appeared to be more prone to buying online. These findings call for further research on consumer psychology in the context of online shopping.
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Acharya, Viral V., Tim Eisert, Christian Eufinger, and Christian Hirsch. "Whatever It Takes: The Real Effects of Unconventional Monetary Policy." Review of Financial Studies 32, no. 9 (January 21, 2019): 3366–411. http://dx.doi.org/10.1093/rfs/hhz005.
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Abstract Launched in Summer 2012, the European Central Bank’s (ECB) Outright Monetary Transactions (OMT) program indirectly recapitalized European banks through its positive impact on periphery sovereign bonds. However, the stability reestablished in the banking sector did not fully translate into economic growth. We document zombie lending by banks that remained weakly capitalized even post-OMT. In turn, firms receiving loans used these funds not to undertake real economic activity, such as employment and investment, but to build cash reserves. Creditworthy firms in industries with a high zombie firm prevalence significantly suffered from this credit misallocation, which further slowed the economic recovery. Received March 21, 2018; editorial decision November 13, 2018 by Editor Philip Strahan. Authors have furnished an Internet Appendix, which is available on the Oxford University Press Web site next to the link to the final published paper online.
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SKVARCIANY, Viktorija, and Daiva JUREVIČIENĖ. "FACTORS AFFECTING PERSONAL CUSTOMERS’ TRUST IN TRADITIONAL BANKING: CASE OF THE BALTICS." Journal of Business Economics and Management 18, no. 4 (July 10, 2017): 636–49. http://dx.doi.org/10.3846/16111699.2017.1345784.
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Nobody disputes that trust is an important issue in choosing a financial service provider, especially in the area of new forms of banking. The goal of this paper is to assess the most important determinants of trust in traditional banking. The study was conducted in the baltics and personal customers had to rank the distinguished factors. Using correlation analysis and binary logistic regression model it was found that the most significant factor influencing trust in all countries is provided information by the bank. In addition, in lithuania – bank’s characteristics, in latvia – customers’ risk perception and bank’s characteristics, in estonia – respondents’ experience of cooperation with a bank were highlighted as significant. The following measures of fit are used in order to describe the created logistic models: contingency table test, nagelkerke pseudo-r2, pearson chisquare test, wald test. However, there is a limitation – the survey was conducted online. Nevertheless, as internet penetration rate is high enough in investigated countries (from 76 percent in latvia to 91 percent in estonia), survey results can be adapted for at least seventy-five percent of each country’s population. The findings have implications on the development of the strategy and the policy of commercial banks.
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Sahli, Alia Besbes, and Patrick Legohérel. "Using the Decomposed Theory of Planned Behavior (DTPB) to Explain the Intention to Book Tourism Products Online." International Journal of Online Marketing 4, no. 1 (January 2014): 1–10. http://dx.doi.org/10.4018/ijom.2014010101.
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The purpose of this article is to investigate the factors influencing the intention to use the Internet to book tourism products online in Tunisian context. To this end, the authors selected the Decomposed Theory of Planned Behavior (DTPB) to help account for the intention to book online. The authors conduct an online survey. Data was obtained from 158 questionnaires and analyzed through regression. The study demonstrated the importance of causal relationships between predictor variables and the dependent variable, namely the intention to book online. A novel result, perceived usefulness does not admit a positive impact on the attitude towards online booking. Thus, the study has confirmed the explanatory power of the DTPB model in accounting for consumers' behavioral intention in the context of e-tourism.
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Cristescu, Marian Pompiliu, and Cosmin Tileagă. "It Application Modules Like “Must Have” for Business Start-Ups." Scientific Bulletin 20, no. 2 (December 1, 2015): 23–30. http://dx.doi.org/10.1515/bsaft-2015-0005.
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Abstract In this paper there are presented the main modules of some applications that represent the future of IT for start-up businesses, depending on what is essential, compulsory and important for this type of businesses. IT applications modules, described in the following paper, definitely belong to the IT department of any new business. The basic applications that any company obligatory needs are: office software, financial-accounting applications, online banking and so on. Only in exceptional cases, the giving up of certain modules, which are specific to “must have” applications, should be taken into account, such as certain marketing activities on the internet. In this paper the word, “start-up” does not refer to “start-ups” in IT. This paper is about those people who want to start a business, those who are at the beginning and have nothing to do with the IT sphere.
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Koong, Kai S., Lai C. Liu, and De Lease Williams. "An identification of Internet Job Board attributes." Human Systems Management 21, no. 2 (April 4, 2002): 129–35. http://dx.doi.org/10.3233/hsm-2002-21204.
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An increasing number of job seekers and corporate recruiters are using Internet Job Boards to look for job opportunities or to communicate job openings to prospective candidates around the globe. However, there are hundreds of Internet Job Boards in the e-recruiting sector. Each Internet Job Board provider has common as well as unique resources and attributes. This research examines the resources or attributes that are provided to job seekers and corporate recruiters by Internet Job Boards. Specifically, the objective of this study is to identify and classify the resources or attributes contained in the top five revenue generating Internet Job Boards in the world. New graduates looking for jobs, persons interested in advancement opportunities, faculty advisors, and career counselors will find this study useful. Human resource managers, corporate recruiters, software engineers, systems designers, scholars interested in online research, and Job Board Providers will find the reported outcomes interesting.
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Marzai, Elda. "Bancassurance in a digital era." Proceedings of the International Conference on Business Excellence 12, no. 1 (May 1, 2018): 601–11. http://dx.doi.org/10.2478/picbe-2018-0054.
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Abstract The implementation of bancassurance activity in the banking field contributes to the strengthening of the competitive environment, the development of new products in insurance and the higher satisfaction of the consumer's needs. The strategic priorities of banks are to increase business protection by adding new products to their portfolios, according customer's needs. The distribution of insurance in the bancassurance system is a future solution and will continue to develop on the Romanian market as well. Bancassurance is the main distribution channel in many countries, accounting for more than 50% of life insurance products (eg France, Italy, Spain, Austria), in Portugal the share goes up to 80% and in Romania is around 30%. Among the aspects needed to develop this service, bank representatives propose both the diversification of types of insurance sold through banks, as well as the growth of consumer financial education development and digitalization. This paper aims to highlight different perspectives to relaunch bancassurance activity according to changes from customer behavior and the identification of factors which contributing to the sustainability of bancassurance in digital environment. In addition, will be presented a comparison of the internet penetration rate in the world, the categories of clients using online banking services.
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Daries, Natalia, Eduard Cristobal-Fransi, and Berta Ferrer-Rosell. "Implementation of Website Marketing Strategies in Sports Tourism: Analysis of the Online Presence and E-Commerce of Golf Courses." Journal of Theoretical and Applied Electronic Commerce Research 16, no. 3 (December 9, 2020): 542–61. http://dx.doi.org/10.3390/jtaer16030033.
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As a sports activity with immense tradition, current offerings and future prospects, golfing represents a first-rate tourist resource. In choosing golfing destinations, tourists rely upon information that is available online, just as consumers do in making decisions about any resource. Thus, in our study, we sought to profile the internet presence of golf courses in Catalonia, as well as the maturity of their e-commerce. To that end, we developed an integrated model for analysing the websites of golf courses: one based on web content analysis and structured with four dimensions (i.e., information, communication, e-commerce and additional functions) and the phases of the extended model of internet commerce adoption (eMICA). Applied to all golf courses in Catalonia that operate websites, the model revealed that, despite the sport’s great importance to the local economy and tourism, the golf courses do not have an adequate online presence or sufficient platforms for communication. The present work includes information on its theoretical contribution, implications for management, limitations and future lines of research.
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Singh, Manoj Kumar. "Taxing E-Commerce on the Basis of Permanent Establishment: Critical Evaluation." Intertax 42, Issue 5 (May 1, 2014): 325–33. http://dx.doi.org/10.54648/taxi2014034.
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This article discusses about concept of PE (Permanent Establishment) in case of E-commerce business transactions. Electronic commerce comprises the electronic sale by online stores of downloadable 'soft merchandise' such as music, e-books, e-newsletters, photos and video recordings, software and documents (direct e-commerce), the electronic ordering of tangible products (indirect e-commerce), online securities transactions as well as the provision of financial or other services. It also includes the subscription to and use of an internet service provider (ISP) or an online service provider (OSP), and has also been held to cover electronic data interchange (EDI), electronic fund transfers (EFT) and all credit and debit card activity. Ecommerce transactions can be 'business-to-business' (B2B) or 'business-to-consumer' (B2C). The principle difficulty with these kinds of transactions is that it is quite a challenge to identify the fixed place of business. Thus, tax administrations today, throughout the world face the formidable task of protecting their revenue bases without hindering the development of new technologies. The challenges that are being faced by the governments and organizations like the OECD are real and the focus is on how to address them collectively and by way of ensuring international consensus. The allocation of taxing rights must be based on mutually agreed principles and a common understanding of how these principles should be applied. In addition to the need for consensus between governments, a need for cooperation between governments and business has also been identified. The concept of PE is a fundamental and core aspect of international taxation. Its importance lies in its requirement to determine the right of a country to tax the profits of an enterprise that belongs to a different sovereign jurisdiction. Despite the two conventions and tax legislations in almost every country dealing with this concept, it yet remains elusive and its characterization gives rise to complex issues in international business taxation. Thus, there arises a need to not only clarify the concept but also to harmonize the varied interpretations given to PE worldwide through tax treaties, either by adding and reviewing the wording of Model Conventions such as the OECD, UN, and US versions, or by expanding the commentaries and technical explanations to them on current important matters.
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Basoglu, Kamile Asli, and Traci J. Hess. "Online Business Reporting: A Signaling Theory Perspective." Journal of Information Systems 28, no. 2 (April 1, 2014): 67–101. http://dx.doi.org/10.2308/isys-50780.
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ABSTRACT The reporting of business information on websites, hereafter referred to as electronic business reporting (e-BR), continues to gain widespread acceptance as the Internet provides an inexpensive channel for delivering timely financial and nonfinancial information to investors. The online environment facilitates both the delivery of traditional text-based reporting content and the use of enhanced multimedia for displaying nonfinancial content, including elements such as images, presentations, video, and social media features. Signaling theory and research on trust was applied to develop a signaling research model and investigate how the reporting of nonfinancial content in e-BR can serve as a signal, specifically with nonprofessional investors. An experimental study was conducted in which the quality of e-BR and company performance was varied to investigate how e-BR influences perceptions of investment quality and intentions. The findings suggest that the nonfinancial content in e-BR influences perceptions of trustworthiness and perceived investment quality. When financial performance is low, high-quality e-BR enhances investors' perceptions of investment quality, which in return influences investment intentions.
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Rosário, Albérico, and Ricardo Raimundo. "Consumer Marketing Strategy and E-Commerce in the Last Decade: A Literature Review." Journal of Theoretical and Applied Electronic Commerce Research 16, no. 7 (November 1, 2021): 3003–24. http://dx.doi.org/10.3390/jtaer16070164.
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E-commerce is deemed as the sale and purchase of goods and services through the internet in exchange for money and data transfer to complete the transactions. E-commerce is at the forefront of transforming marketing strategies, based on new technologies, and facilitates product information and improved decision-making. In this way, marketing strategy increasingly require large amounts of information to better understand client needs, which raises the question of choosing the right marketing strategy to better fit consumer expectations. This literature review aims to shed light on both the recent growth of e-commerce literature and its interplay with consumer marketing strategy. Extant research has examined this change in human interaction due to social network building, mostly through the themes of online marketing and social media marketing, also comprehending issues such as cost efficiency, information quality and trust development towards online shopping. Nevertheless, existing research has not shown in full all the research streams, how they interact with each other and its potential knowledge development. Thus, a literature review on consumer marketing strategy for e-commerce in the last decade is opportune. This paper aims to identify research trends in the field through a Systematic Bibliometric Literature Review (LRSB) of research on marketing strategy for e-commerce. The review includes 66 articles published in the Scopus® database, presenting up-to-date knowledge on the topic. The LRSB results were synthesized across current research subthemes. The following findings are presented: Amidst the current competitive global business environment, companies tend to respond with strategies for e-commerce and online businesses that resort to e-commerce platforms and social networking to better understand consumer needs, facilitate consumer marketing strategy and share innovative information. The originality of the paper relies on its LRSB method, together with extant review of articles that have not been categorized so far.
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ORZAN, MIHAI CRISTIAN, MARGARETA STELA FLORESCU, OCTAV IONUT MACOVEI, SORIN BURLACU, and OLGUTA ANCA ORZAN. "The effects of online marketing on financial performance in the textile industry." Industria Textila 71, no. 03 (June 28, 2020): 288–93. http://dx.doi.org/10.35530/it.071.03.1826.
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Although Romania has an Internet penetration rate of 73.8%, over the world average, below the European Union average of 85.2%, Romanian Internet users ranked 28th in online shopping, the lowest position in EU, while the Romanian enterprises are the least digital in the EU ranking on the lowest positions in using social media and e-commerce. The aim of this paper is to examine the impact of using online marketing tools in the development and implementation of marketing strategies and their impact on organizational performance in the textile industry. We propose an empirical model, rooted in an in-depth survey of over 897 Romanian organizations acting on the textile industry market (production, distribution or retail), which gives us a general overview of antecedents of online marketing success and its impact on organizational performance
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Walker, A. Kelly, and Brett L. Bueltel. "A Legal Analysis of State Tax Policy for Online Sales: The Recipe from Direct Marketing." ATA Journal of Legal Tax Research 16, no. 1 (July 1, 2018): 39–58. http://dx.doi.org/10.2308/jltr-52133.
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ABSTRACT The growth of e-commerce has changed the way people shop. The changing business environment is a strain on state governments due to their inability to collect sales and use tax on most internet-based transactions. While the U.S. Supreme Court, for the first time in almost 30 years, is reviewing a state's ability to collect sales and use tax from out-of-state sellers in South Dakota v. Wayfair, Inc., a potential solution to increase sales and use tax collection may already exist. In 2016, the Tenth Circuit Court of Appeals upheld a Colorado notification law that could provide a blueprint for states to capture tax revenue from online companies and out-of-state retailers. In this paper, we review the constitutional complexities of the taxation of online sales. We also analyze state requirements for informational reporting of sales and use tax and recommend policy to increase potential sales and use tax collection.
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Costa, Joana, and Rafael Castro. "SMEs Must Go Online—E-Commerce as an Escape Hatch for Resilience and Survivability." Journal of Theoretical and Applied Electronic Commerce Research 16, no. 7 (November 5, 2021): 3043–62. http://dx.doi.org/10.3390/jtaer16070166.
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The recent emergence of e-commerce has brought a shifting paradigm into global markets. This revolutionary framework relying upon technological progress has conveyed a new era of commerce. More than ever, businesses are using digital marketplaces to stay relevant and competitive. Suddenly, buying online has become part of their daily routines. Accessibility, flexibility, and convenience make the internet the ideal platform for modern age consumers. Small and medium enterprises predominate in almost every industry generating employment, income, and sustainability. Nonetheless, e-commerce adoption among these organizations is yet to be widely undertaken. This article has a twofold objective: first, it gathers data regarding the emergence of e-commerce adoption by SMEs through a systematic literature review encompassing 32 indexed articles (published between 2003 and 2021). Secondly, it provides a quantitative and qualitative analysis identifying strategic options and guidelines for a smooth digital transition among these players. Lastly, some recommendations to policy makers were clipped to work as facilitators, given SMEs specificities. The future is digital and the struggle for e-commerce adoption and exploitation among these organizations is at the top of the agenda. It is central in maintaining the vibrancy of the business ecosystem, and is therefore a turnkey for economic recovery.
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Yang, Shaoxiong, Huiling Wang, Zhengxiao Wang, Mansoor Ahmed Koondhar, Linxue Ji, and Rong Kong. "The Nexus between Formal Credit and E-Commerce Utilization of Entrepreneurial Farmers in Rural China: A Mediation Analysis." Journal of Theoretical and Applied Electronic Commerce Research 16, no. 4 (February 26, 2021): 900–921. http://dx.doi.org/10.3390/jtaer16040051.
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E-commerce furnishes farmers in rural China with a novel solution accomplishing entrepreneurship transformation, but serious credit constraints still coexist with it at present, which may restrict the release of e-commerce’s potential. Therefore, this study investigates whether formal credit promotes entrepreneurial farmers’ e-commerce utilization and explores its influencing mechanism. Based on the survey data collected from 831 entrepreneurial farmers in Shaanxi province, Ningxia province and Shandong province in rural China, the propensity score matching (PSM) method was applied to measure the impact of formal credit on e-commerce utilization. The results show that formal credit contributes to a 18.41% increase of e-commerce utilization in general and increases entrepreneurial farmers’ online purchases and sales by 11.15% and 14.69%, respectively. Some groups perform significantly in the heterogeneity analysis, the most noteworthy of which are entrepreneurial farmers who are younger, belong to new type of agricultural business entities and use mobile payments. Their e-commerce utilization, including online purchases and sales, are impacted most by formal credit. Furthermore, when the bootstrap method was used to examine the mediating effect, we found that formal credit has a positive and significant effect on the utilization of e-commerce through four channels, which are internet learning, asset allocation, labor allocation and income growth. Hence, the findings suggest that the government should augment the amount of formal credit to optimize entrepreneurial farmers’ internet learning, asset allocation, labor employment and income growth, thereby promoting e-commerce to achieve entrepreneurial transformation and sustainable development in rural areas.
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Mauldin, Elaine, and Vairam Arunachalam. "An Experimental Examination of Alternative Forms of Web Assurance for Business-to-Consumer e-Commerce." Journal of Information Systems 16, s-1 (January 1, 2002): 33–54. http://dx.doi.org/10.2308/jis.2002.16.s-1.33.
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This study reports the results of an experiment that examined alternative forms of web assurance for “B2C” e-commerce. Specifically, using a repeated measures design, variations in purchase intent were examined across four within-subjects web site conditions (two MP3 players and two digital cameras from different web sites) and five between-subjects assurance conditions (undirected or directed retailer disclosures, VISA, TRUSTe, and WebTrust™). The effects of assurance (present vs. absent) on purchase intent were studied relative to the roles of retailer disclosures, information risk (security, disclosure, and product risk), and familiarity (with the retailer and product). Control variables encompassing previous Internet and online purchase experiences, general intent to buy online, and web site design were also incorporated in the study. No differences in intent to purchase were found for the three assurance conditions and they were combined for further data analysis. Results indicate that higher intent to purchase is associated only with web assurance when consumers did not observe retailer disclosures and product familiarity was lower. When consumers did observe retailer disclosures, intent to purchase was not significantly associated with web assurance. Results also indicate that familiarity with vendor and information risk were not associated with intent to purchase. However, several of the control variables, including comfort with the Internet, general intent to buy online, and web site design, were significantly associated with higher intent to purchase.
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Bikash Datta, Dibyendu, Partha Seal, Sanjana Mariam George, and Senjuti Roy. "Factors Influencing Women’s Buying Decisions while Shopping for Lingerie Products Online." TEKSTILEC 65, no. 1 (March 1, 2022): 4–13. http://dx.doi.org/10.14502/tekstilec.65.2021048.
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One reason driving lingerie sales in India is growing e-commerce and a rising demand for premium brands. With improved technologies, many lingerie producers are using delicate fabrics and intricate lace trimmings for lingerie of different styles to enhance lingerie demand in the country. Rising demand for lingerie sets, a growing middle-class population, and an increasing number of financially independent women are all driving this development. Many professional opportunities for women, and their access to round-the-clock internet services, have enabled them to gain trust, feel inspired, and be praised for their ability to decide. Their familiarity with technological advances like internet access via smart phones has enabled the Indian lingerie industry to shift their focus from an earlier marketing strategy of “touch and feel,” being available only in retail stores, to going online and taking the additional risk of advertising their product line on e-commerce platforms. This study found factors that influence women’s buying decisions while shopping online for lingerie products. Questionnaires were distributed to Indian women consumers to gauge their online buying intentions and multiple linear regressions were used as a statistical method to evaluate the formed hypotheses. The study revealed that convenience of shopping, variety of brands, quality of products, online discounts, delivery services and secure online payment have a positive impact on the buying decisions of Indian women regarding lingerie products. The research findings will serve as a baseline for understanding the major aspects that influence retailers’ online lingerie buying decisions.
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Alsoud, Anas Ratib, and Ahmad Ali Harasis. "The Impact of COVID-19 Pandemic on Student’s E-Learning Experience in Jordan." Journal of Theoretical and Applied Electronic Commerce Research 16, no. 5 (April 28, 2021): 1404–14. http://dx.doi.org/10.3390/jtaer16050079.
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Since the beginning of the COVID-19 pandemic Universities around the world are taking rapid actions to ensure students learning continuity and secure the well-being of their students. This study aims at exploring the student’s e-learning experience in Jordanian Universities as well as e-learning readiness during the pandemic. While each university is unique, we hope our assessment can provide some insights into how well the student’s e-learning experience was during the pandemic. A structural online questionnaire was distributed, followed by descriptive analysis. Students from remote and disadvantaged areas primarily faced enormous challenges such as technological accessibility, poor internet connectivity, and harsh study environments. This study also highlights the role of electronic commerce in transforming distance learning. Further investments and contingency plans are needed to develop a resilient education system that supports electronic and distance learning throughout Jordan.
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Vo, Nga Thi, Miloslava Chovancová, and Ho Thanh Tri. "A major boost to the website performance of up-scale hotels in Vietnam." Management & Marketing. Challenges for the Knowledge Society 14, no. 1 (March 1, 2019): 14–30. http://dx.doi.org/10.2478/mmcks-2019-0002.
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Abstract The study aims to enhance the customer experience on hotel websites in the context of venue’s booking channels to others. The online filed survey is conducted with 321 internet bookers. The exploratory factor analysis is adopted to analyze the data. The progression of customer satisfaction proceeds in a linear fashion on luxury (ranking from 4-star to 5-star hotels) websites. Moreover, the study reveals how hotel website performance would affect the levels of customer attitude and its sustainable development in the context of perceived e-service quality. The exploratory results show that customer satisfaction in online environment has identical processes in the context of up-scale hotel industry. The female group compared to male group, has more sensitive to perceive the impact of functionality of lodging website in developing customer satisfaction. Caution is advised in generalizing findings of this study due to stratified sampling even though the study confirms results of previously conducted studies. This study provides practical tips for website sustainable progress especially for hotel management to pay more attention to the e-service formation process. Therefore, the appropriate marketing strategy can be established to fill gender specific expectations towards individual degree of customer satisfaction.
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Popoola, Oluwatoyin Muse Johnson. "Preface to the Third Issue of Indian-Pacific Journal of Accounting and Finance." Indian-Pacific Journal of Accounting and Finance 1, no. 3 (July 1, 2017): 1–3. http://dx.doi.org/10.52962/ipjaf.2017.1.3.20.
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I have the honour and privilege to welcome you to the Vol. 1 Issue 3 of Indian-Pacific Journal of Accounting and Finance. In this Issue 3, the journal emphasises on accounting information system, corporate governance and risk management, accounting regulation and financial reporting, and accounting.
In the first paper with the caption “Examining AIS Software and Co-operatives Performance in Malaysia”, Mr Mohd Hadzrami Harun Rasit (Tunku Puteri Intan Safinaz School of Accountancy, Universiti Utara Malaysia) and Dr Mohammad Azhar Ibrahim (Tunku Puteri Intan Safinaz School of Accountancy, Universiti Utara Malaysia) examine the use of Accounting Information System (AIS) software in the context of Malaysian co-operatives. The objectives of this paper are categorised into two, namely: to document the types of AIS software used by co-operatives, and to examine the relationship between the types of AIS software used and performance of the co-operatives. Furthermore, the paper draws on the resource-based view (RBV) to examine the gap issue. Findings from this study suggest that commercial and developed-in-house AIS software are mostly used by co-operatives. Also, the results reveal that co-operatives performance is not associated with the types of AIS software used by the co-operatives. The research provides valuable insights into the implementation of AIS among Malaysian co-operatives, which has received little attention thus far from academic, governmental and professional bodies.
In the second paper with the title “A Review of Financial Distress Prediction Models: Logistic Regression and Multivariate Discriminant Analysis”, Mr Ehsan ul Hassan (School of Economics, Finance and Banking, Universiti Utara Malaysia), Dr Zaemah Zainuddin (School of Economics, Finance and Banking, Universiti Utara Malaysia), Dr Sabariah Nordin (School of Economics, Finance and Banking, Universiti Utara Malaysia) present a review of literature for early prediction of financial bankruptcy. The study contributes to the formation of a systematic review of the literature regarding previous studies done in the field of bankruptcy. It addresses two most commonly used financial distress prediction models, that is, multivariate discriminant analysis and logit regression. Models are discussed with their advantages and disadvantages. After methodological review, the authors advance that logit regression model (LRM) might perhaps have more advantages than multivariate discriminant analysis (MDA) for better prediction of financial bankruptcy. However, accurate prediction of bankruptcy is beneficial to improve the regulation of companies, to form policies for companies and to take any precautionary measures if any crisis is about to come in future.
In the third paper captioned “Accounting Regulation and Financial Reporting Quality: Pre-and-Post IFRS Nigeria Evidence”, Philip Jehu (Federal University Kashere, Gombe, Nigeria) and Dr Mohammad Azhar Ibrahim (Tunku Puteri Intan Safinaz School of Accountancy, Universiti Utara Malaysia) examine whether accounting regulation is associated with financial reporting quality in Nigeria. The authors use accrual-based earnings management construct – abnormal accruals as a proxy for financial reporting quality. The study reveals some significant variation in abnormal accruals with the implementation of International financial reporting standards (IFRS) to regulate accounting practice. Similarly, the research finds that the control variables - firm size, leverage, and return on asset have significant effects on financial reporting quality. This study aligns and consistent with previous studies indicating the effectiveness of IFRS adoption in improving financial reporting quality. The study contributes to the discussion on IFRS adoption across reporting environments. Regulatory agencies in Nigeria might need to consider the combined effect of other corporate governance laws to ensure quality reporting. The study is limited by our sample (2009 - 2014), and by the proxies for both accounting regulation and financial reporting quality, the data of which was in most part handpicked. The authors recommend future research to consider perhaps testing the combined effect of other corporate governance variables like audit committees and board characteristics.
In the fourth paper entitled “Investigating Ownership Structure, Company Characteristics and Online Environmental Disclosure in Malaysia”, Dr. Ali Saleh Ahmed Al_arussi (Xiamen University Malaysia) and Dr. Redhwan Ahmed Al_dhamari (Tunku Puteri Intan Safinaz School of Accountancy, Universiti Utara Malaysia) focus on environmental disclosure on the Internet and examine whether ownership structure and company characteristics have a significant association with the level of Internet environmental disclosure (IED) amongst Malaysian companies. Six variables – management ownership, government ownership, firm size, level of technology, industry type, and profitability – have been chosen to be examined in this study. Multiple regression analysis is used to test these relationships by analysing the data of 201 online annual reports on the websites of Malaysian companies. The results indicate that government ownership, firm size, level of technology and industry type are positively and significantly associated with IED; management ownership is negatively and significantly associated with IED, and profitability did not show a significant relationship. The results of this paper can be used by regulators to enhance and regulate online environmental reports as it is still voluntary based.
In the fifth paper with the title “Examining the Livelihood Assets and Sustainable Livelihoods among the Vulnerability Groups in Malaysia”, Dr Ahmad Zubir Ibrahim (School of Government, Universiti Utara Malaysia), Dr Kalthum Hassan (School of Government, Universiti Utara Malaysia), Dr Roslina Kamaruddin (School of Economics, Finance and Banking, Universiti Utara Malaysia), and Associate Prof. Dr. Abdul Rahim Anuar (School of International Studies, Universiti Utara Malaysia) investigate the relationship between livelihood assets and sustainable livelihoods. The study is in response to the livelihood vulnerability group such as paddy farmers, coastal fishers and rubber tappers in rural areas, which are susceptible to economic shock and climate change such as flood and drought. This condition will, no doubt, jeopardise the livelihoods of this group and hence the research gap. This study adopts quantitative study with stratified sampling method to select a total of 600 respondents from rural areas in Kedah and Kelantan. The findings confirm that physical asset, natural asset and social asset are significantly related to the achievement of sustainable livelihoods. Some recommendations have been highlighted to assist the concerned parties in improving sustainable livelihoods among the vulnerable group in rural areas.
As you read through this Vol. 1 Issue 3 of IPJAF, I would like to summarise that the success of the journal depends on your active participation and those of your colleagues and friends through submission of high-quality articles within the journal scope for review and publication.
I beseech our revered authors to enjoy the benefits IPJAF provides about mentoring nature of the unique review process that offers high quality and helpful reviews tailored to improving their manuscripts.
I acknowledge your support as we endeavour to make IPJAF the most authoritative journal on accounting and finance for the community of academic, professional, industry, society and government.
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Soboliev, V. M., and I. O. I. O. "The Trends of Employment in the Digital Economy." Business Inform 10, no. 513 (2020): 143–48. http://dx.doi.org/10.32983/2222-4459-2020-10-143-148.
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The article examines the impact of digitalization on the labor market. The transition to the digital economy is a natural process and requires modernization of employment. Therefore, digital employment is formed, which is implemented through online platforms. The new forms of employment are evolving, due to innovative processes and transformation of the economy as a whole. The non-standard employment gains wide spread in such forms as: freelancing; tv work; borrowed employment (personnel leasing, outsourcing, outstaffing). The positive and negative consequences of such a transition for the labor market are reflected in the presented publication. The experience of mass implementation of the remote format of work during the isolation regime caused by the COVID-19 pandemic is also considered. The economy’s focus on digital development leads to the reduction and further disappearance of some specialties, accompanied by the emergence of new ones. Already, internet banking, e-government, automatic accounting programs, etc. are becoming widespread. Rapid response to technological challenges can eliminate some of the negative consequences of these changes through training and retraining of employees. Automation and robotics of production processes will undoubtedly lead to an increase in unemployment, so now it is important to develop an effective employment policy. However, professions such as engineers, actors, teachers, managers, social workers are still impossible to replace with robots. Therefore, such activities require a high level of human capital, which becomes the most important resource of economic growth. Countries should be prepared to solve problems inherent in the digital economy. Stimulating investment in information and communication technologies (ICT) and additional innovations will contribute to the growth of productivity and employment.
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Boritz, J. Efrim, and Won Gyun No. "E-Commerce and Privacy: Exploring What We Know and Opportunities for Future Discovery." Journal of Information Systems 25, no. 2 (November 1, 2011): 11–45. http://dx.doi.org/10.2308/isys-10090.
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ABSTRACT Electronic commerce (e-commerce) has a built-in trade-off between the necessity of providing at least some personal information to consummate an online transaction and the risk of negative consequences from providing such information. This requirement and the increased sophistication of companies' personal information gathering have made e-commerce privacy a critical issue and have spawned a broad research literature that is reviewed in this paper. Key research issues and findings are organized, using a framework defined by four key stakeholder groups—companies, customers, privacy solution providers (PSPs), and governments—as well as the interactions among them. The review indicates that the published research on e-commerce privacy peaked in the early 2000s; thus, it has not addressed many of the technological advances and other relevant developments of the past decade. Potential research opportunities for researchers in Management Information Systems (MIS) and Accounting Information Systems (AIS) include: company privacy strategies, operations, disclosures, and compliance practices; customer privacy concerns arising from company practices such as Internet activity tracking, physical location tracking, personal information gathering by social networks, and information exchanges in cloud computing environments; privacy-enhancing technologies, controls, and assurance practices developed by PSPs; and privacy regulations relating to various industries, countries, and cultures. More use of experimental and archival research is encouraged.
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Fianu, Eli, Craig Blewett, and George Oppong Ampong. "Toward the development of a model of student usage of MOOCs." Education + Training 62, no. 5 (June 2, 2020): 521–41. http://dx.doi.org/10.1108/et-11-2019-0262.
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PurposeThe study seeks to investigate the factors that influence MOOC usage by students in tertiary institutes in Ghana.Design/methodology/approachAs this study sought both to test existing UTAUT variables and potentially identify additional variables impacting MOOC usage, a mixed method approach was used. The quantitative study was used to test the significance of UTAUT variables on MOOC usage while the qualitative study was conducted to validate the quantitative results and potentially determine additional factors impacting MOOC usage.FindingsThe results of the quantitative data analysis showed that computer self-efficacy, performance expectancy and system quality had a significant influence on MOOC usage intention. Facilitating conditions, instructional quality and MOOC usage intention were found to have a significant influence on actual MOOC usage. The results of the qualitative data analysis showed that information-seeking behaviour and functional Internet access were dominant non-UTAUT factors that influence actual MOOC usage, while teacher motivation was a dominant non-UTAUT factor that influenced MOOC usage intention.Research limitations/implicationsThe study employed a non-probability sampling technique which imposes limitations on the generalizability of the findings. Additionally, the study was conducted in two out of the ten geographical and administration regions of Ghana; this also imposes limitations on the generalizability of the findings.Practical implicationsIt is important that lecturers and university management find ways of motivating students to participate in MOOCs. Lecturers can influence students to use MOOCs if they regularly and persistently spur the students on to use MOOCs. Lecturers can also adopt other innovative strategies such as posting MOOC information on student noticeboards, the formation of MOOC clubs and the commissioning of MOOC champions on campuses.Social implicationsThe significance of functional Internet access in MOOC usage implies that good Internet connectivity is critical for online learning in developing countries. Regulators of Internet service providers must enforce strict adherence to quality of service standards regarding the provision of Internet service. The Internet service pricing regime must favour the use of the Internet for learning purposes.Originality/valueThe study adopted a mixed method approach to explore MOOC usage in a West African university context. The non-significance of two key UTAUT variables (effort expectancy and social influence) points to a key difference between the application of adoption and usage models to information systems compared to e-learning systems. Additionally, three other variables, namely information-seeking behaviour, functional Internet access and teacher motivation, were found to impact MOOC usage. The study presents a model of MOOC usage (MMU).
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Santally, Mohammad Issack, Yousra Banoor Rajabalee, Roopesh Kevin Sungkur, Mohammad Iqbal Maudarbocus, and Wolfgang Greller. "Enabling continuous improvement in online teaching and learning through e-learning capability and maturity assessment." Business Process Management Journal 26, no. 6 (February 29, 2020): 1687–707. http://dx.doi.org/10.1108/bpmj-11-2018-0335.
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PurposeThe University of Mauritius (UoM) established as a traditional face-to-face university has been engaged in distance education since 1993 and in e-learning since 2001 to establish itself as a dual-mode institution. In a context where it has engaged itself to promote its internationalization of online courses and a digital learning transformation process, there is a need to assess and evaluate its current e-learning capability to identify areas of good practices and opportunities for improvement to ensure a high quality of e-learning provisions. The paper reports the results of an assessment of the e-learning capability and the related quality assurance processes of the University of the Mauritius using the e-learning Maturity Model (eMM). Quality assurance in higher education is still a key issue, especially with the ever-growing influence of technology and the disruption that the Internet has caused with respect to e-learning and distance education provisions. No university in Mauritius has ever engaged in such an assessment of their e-learning capabilities.Design/methodology/approachThe EMM and the Open Learning Consortium Quality Scorecard Suite were found to be the most complete models in terms of available documentation and description of how to carry out the evaluation with respect to each process area as compared to the other models described in the literature review section. The EMM was, however, chosen as the model to be used for the UoM, given that there already exists a body of knowledge about its applications in different universities that operate in similar contexts. The researcher is at the heart of the process in the role of an ‘eLearning quality auditor’. Therefore, the research used mainly desk studies, and analysis of annual reports as well as a consultative approach with key stakeholders based on a consensus model to reach a rating for each element in the EMMv2.3 instrument. The rating is based on evidence that is available and verifiable through desk research and documentation.FindingsWe found out that the main strengths of the university were in the learning process areas mainly because of the need to follow existing quality assurance procedures in place at different phases of a course of life cycle, irrespective of the course modality. On the other hand, across all process areas, the university fared well in the delivery dimension, and this finding is consistent with other universities that were assessed using the EMM. However, it was found that the EMM in current form was more adapted for the assessment of universities operating fully as open or virtual universities rather than those operating as dual-mode institutions or as traditional universities promoting technology-enabled learning. The weakest link was the optimization dimension across all process areas, and the process area that needs more attention for improvement was the evaluation process area. Overall, the university can reasonably be pitched at level two (Repeatable) of the capability maturity model scale used for information systems maturity assessment, but operating towards level three (Defined).Originality/valueThe work presented here has never been carried out for any university in Mauritius, and there have been no reported evaluations or applications within the African region. It allows the university to benchmark and compare its standing with respect to other universities operating as dual-mode institutions and as a reference for other universities in Mauritius as well.
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Mansor, Noor Rohana, Asyraf Hj Ab Rahman, Ahmad Tajuddin Azza J., Roswati Abd Rashid, and Nurul Ain Chua. "New Norms of Online Teaching and Learning: Covid-19 Semester Experience for Universiti Malaysia Terengganu Students." Academic Journal of Interdisciplinary Studies 10, no. 4 (July 8, 2021): 248. http://dx.doi.org/10.36941/ajis-2021-0114.
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The COVID-19 pandemic has affected the national education agenda at all levels of education. New Teaching and Learning (T&L) online norms have been executed except for specific academic programs and subjects only since 18 March 2020 when the Movement Control Order (MCO) was administered and continued to this day. To guarantee students’ continuity of education without online T&L dropout, online face-to-face (Synchronous) or not face-to-face (Asynchronous) is now become the primary approach and method platform with many virtual education applications. Therefore, this research examined students’ readiness to follow online teaching and learning and analysed the impact of online T&L on the national education agenda. This study involved 133 students of Diploma in Fisheries, Universiti Malaysia Terengganu, for the first semester of 2020-21. Data were obtained through a questionnaire using Google Form and presented to students by sharing links to their WhatsApp group in the final week of study. The questionnaire was adapted from several instruments related to various aspects of online T&L during the COVID-19 pandemic. The outcomes revealed that most students were among Gen-Z with digital literacy background. Thus, it was assisting them having a high level of readiness to face online T&L. In terms of the availability of device infrastructure, internet access, e-Learning, and computers, most (80%) have mastered it. Only (20%) have low proficiency due to limited experience using computers and gadgets due to family constraints and their literacy levels. The research conclusion recommends a consecutive enhancement in curriculum structure flexibility, delivery, evaluation; internet accessibility and digital gap, and self-motivation of students entering the era of the self-regulated learner. Transformation demands the strategic cooperation of various parties in educational institutions, government agencies, the private sector, NGOs, and people’s leaders in the interest of the country’s advancing education relevant to the era of global technology-oriented education and digital infrastructure.
Received: 4 March 2021 / Accepted: 6 May 2021 / Published: 8 July 2021
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Naeem, Muhammad. "Do social networking platforms promote service quality and purchase intention of customers of service-providing organizations?" Journal of Management Development 38, no. 7 (August 12, 2019): 561–81. http://dx.doi.org/10.1108/jmd-11-2018-0327.
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Purpose Customers are interested in finding service recommendations, reviews and word of mouth using social networking platforms. These service reviews are useful for enhancing service quality, level of information and engagement, and purchase intention of customers. The purpose of this paper is to uncover which social networking platform is more useful for the exchange of service reviews and how organizations are improving purchase intention as well as service quality in the light of customer’s reviews/experiences. Design/methodology/approach The study is exploratory in nature because it aims to understand the use of social networking platforms for enhancing service quality and the purchase intention of customers using a purposive sampling technique. To meet the objective of this study, non-directive and semi-structured interviews have been conducted with customers and marketing teams in the banking sector and internet service providers. Findings The results show that social networking websites are helpful in fostering responsiveness, awareness, assurance, reliability and empathy. However, respondents revealed serious concerns regarding the privacy of personal and financial information especially in the context of the banking sector. It has been found that official Facebook pages of service-providing organizations, open and closed local community Facebook groups, sponsored ads and promotional advertisements on Facebook, WhatsApp groups and YouTube video comments are more frequently used to exchange service reviews (i.e. influence the process of purchase decision) among friends, friends of friends, family members and the general public. The selected customers and market team respondents revealed that local community Facebook groups (i.e. open groups and closed groups) have gained prime importance for enhancing service quality and purchase decisions. Practical implications The effective and well-organized use of social networking platforms can foster service reviews, word of mouth, level of service awareness, interactive communication, intention to purchase, social influence, social trust and services quality. Furthermore, online social networking platforms require a lower level of advertisement costs and offer huge amounts of information, discussions, enquires, service stories, word of mouth, transactions and interactions of consumers. Originality/value The present study is exploratory in nature because it selects an under-researched issue regarding the use of social networking applications to enhance levels of purchase intention and service quality. There is limited literature which has combined the multiple constructs in a single study (i.e. social media platforms, cross-platform platforms, service quality and purchase intention of consumers). Most of the previous studies are dependent on various dimensions of service quality (i.e. “reliability, responsiveness, assurance, empath and tangibles”). However, the present study extracted that respondents have given more preferences of services awareness and privacy compared to traditional elements of service quality.
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Sherifi, Idaver. "Online Banking in Albania." European Journal of Economics and Business Studies 2, no. 1 (August 30, 2015): 254. http://dx.doi.org/10.26417/ejes.v2i1.p254-258.
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In nowadays society, in the globalized economy, the new economy also called internet-economy has become one of the major issues of economic and technical literature. The spread of information and communications technologies, the increased use PCs, facilitating internet connectivity, as well as a wide spreading of mobile phones, have drawn attention of banks towards internet banking. Main reason that made profitable use of this channel was the need to minimize costs and to increase efficiency of banking services and at the same time to achieve customer satisfaction. Internet banking was firstly introduced in the 80s, but only in the mid-90s it was widely spread and since then, it has advanced a lot. Over the past decade, e-banking transactions have grown dramatically. E-banking in Albania was firstly used in 2002 only by American Bank of Albania (now ISP Bank). Years after there have been efforts by other banks and now the number of banks using online banking in Albania has increased. Therefore, the internet-economy, with the use of IT systems constitutes a new paradigm of business and development.
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Aswar, Khoirul, Ermawati, Wisnu Juliyanto, Andreas, and Meilda Wiguna. "Adoption of e-government by Indonesian state universities: An application of Technology Acceptance Model." Problems and Perspectives in Management 20, no. 1 (March 21, 2022): 396–406. http://dx.doi.org/10.21511/ppm.20(1).2022.32.
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E-government is the use of internet platforms to deliver governmental services to citizens with the goal of improving government efficiency, transparency, and participation. This study aims to find out what factors determine the rate at which public university in Indonesians accept e-government services. This study uses the Technology Acceptance Model (TAM). TAM is a traditional model of technology diffusion that is an essential conceptual criterion. It drives acceptance consisting of perceived usefulness and perceived ease of use. The results of this paper back up the original TAM hypothesis. Based on the data collected and analyzed, the study concludes that three influencing factors, namely perceived usefulness (PU), perceived ease of use (PEU), and perceived risk (PR), are significantly related to the intention to use e-commerce government. However, trust and social influence do not significantly affect the intention to use e-government services. This paper has significant implications for policymakers and government officials who want to see the growth of e-government usage in Indonesia. When attempting to market a new online system from the perspective of human-computer interaction, it becomes evident that designers must consider how users perceive the risks.
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Jayakumar, Tulsi. "Behavioral lessons from Flipkart’s Big-Billion Day sale." Competitiveness Review 26, no. 4 (July 18, 2016): 453–75. http://dx.doi.org/10.1108/cr-03-2015-0019.
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Purpose The purpose of this paper is to understand the behavioral lessons and managerial implications of deep discount strategies used by e-commerce firms to gain a competitive advantage over rivals. The paper seeks to understand the behavioral aspects of consumer and competitor response to such online sales, particularly with reference to e-satisfaction and e-loyalty. The case study seeks to: understand the behavioral aspects of utility and customer satisfaction; understand the behavioral aspects influencing customer attitudes, preferences and choice; understand heuristics involved in consumer decision-making; and understand possible firm strategies based on a thorough analysis of behavioral influencers of customer decisions. Design/methodology/approach The paper follows a case study approach. Secondary data sources from the library, company website and newspaper articles have been used to build a case which would encourage students to discuss and analyze the application of principles of behavioral economics to marketing problems faced especially by e-retailers. It uses Flipkart’s botched-up Big-Billion Day sale to drive home lessons in behavioral economics to marketers. Findings With growing internet penetration, e-retail presents high potential in India along with its BRICS peers. However, the task of grabbing customer mindshare, as also a share of wallet of the growing Indian purchasing power through monster discounts and deals by e-tailers may not work. Firms such as Flipkart may strategize using principles of behavioral economics including confirmatory bias, framing effects, reference points, principles of loss aversion, heuristics and the peak–end rule to influence customer decision-making in their favor. They must also guard against any incidents/events which invoke the representativeness heuristic or negative confirmatory biases towards e-commerce portals. Practical implications E-tailers in countries like India should understand the behavioral implications of deep discount strategies and deals offered by them as a means of gaining competitive advantage. Attention to e-service outcome quality and e-service recovery is important. Originality/value The case is unique in its applications of behavioral economics principles to e-retailing in India. It seeks to apply behavioral principles to a major e-commerce marketing event in India. With the e-commerce industry likely to boom in India, the case study provides unique insights into competitive pricing strategies adopted by e-retailers and the feasibility thereof.
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Deineko, Liudmyla, Oleksandr Hrebelnyk, Liubov Zharova, Olena Tsyplitska, and Nadiia Grebeniuk. "Digital divide and sustainable development of Ukrainian regions." Problems and Perspectives in Management 20, no. 1 (March 17, 2022): 353–66. http://dx.doi.org/10.21511/ppm.20(1).2022.29.
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Digital inequality of the regions is considered one of the topical issues of sustainable development provision in less developed countries. It can be defined as a gap between the geographical areas regarding the access opportunities to ICT and the Internet use for different activities. The goal of the study is to identify the link between the regional digital divide and the level of economic development in Ukraine and generalize international practices of digitalization promotion in lagging regions. Methodologically, various statistical methods (analytical grouping, variation, and correlation analysis) were used. The most appropriate and available data for assessing the digital divide referred to the State Statistical Service of Ukraine’s survey on Internet users in Ukrainian regions. The study revealed an overall shrink in the variation coefficient of the share of Internet users (from 36.4% in 2010 to 10.2% in 2019). However, the variation coefficients for the share of interacting with public authorities, reading online, and e-mailing persons remain significant.Furthermore, analytical grouping of regions suggested that the level of industrial sector development influenced the penetration of digital technologies into public life vastly, though several unaccounted factors also existed. Finally, the paper examined international practices of managing the digital divide. As a result, recommendations for public policy (e.g., the implementation of training programs for late adults and elderly, improved digital maintenance and digitalization programs for schools, price equalization for digital technologies, equal Internet provision in different regions, and investments in services digitalization) were developed.
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N, Sathiyavany,, and Shivany, S. "E-Banking Service Qualities, E-Customer Satisfaction, and e-Loyalty: A conceptual Model." International Journal of Social Sciences and Humanities Invention 5, no. 6 (June 28, 2018): 4808–19. http://dx.doi.org/10.18535/ijsshi/v5i6.08.
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Today, the increasing digitalization makes the service industry like banks provide e-banking services or online banking in order to access the competitive advantage and dedicate much market share for themselves as it has crucial role in increasing the organizational profitability and customers’ satisfaction and loyalty, the quality of e-banking services is of great importance in e-banking studies. Little attentions were given to review of literature to formulate model as a guide for empirical test. This is a research paper in progress paper discussing the interaction among the E-Banking Service Qualities, E-Customer Satisfaction, and e-Loyalty form the customers’ point of view. The reviews of literatures covers the trends in internet banking , E-service quality dimensions relating to e-banking services, e-Service Quality Dimension Measurement in Internet Banking, Key e-service quality factors influencing e-banking success, Interaction between e-Service Quality and e-Customer Satisfaction , Interaction between e-Customer Satisfaction and e-Loyalty, Interaction among e-Banking Service Quality, e-Customer Satisfaction and e-Customer Loyalty, Influence of Personal Demographic Factors on online banking, and conceptual model is formulated from the reviewed literatures. It is a concept paper formulated a research conceptual framework, and model to show the interactions among the E-service quality, e-satisfaction, and e-loyalty among the internet banking customers. Another part of this research will empirically test the formulated hypotheses in the present research work.
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Brdesee, Hani, and Wafaa Alsaggaf. "Decision-Making Strategy for Digital Transformation: A Two-Year Analytical Study and Follow-Up Concerning Innovative Improvements in University e-Services." Journal of Theoretical and Applied Electronic Commerce Research 17, no. 1 (January 14, 2022): 138–64. http://dx.doi.org/10.3390/jtaer17010008.
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Universities worldwide strive to provide the best student services possible, particularly those that support student achievements and career goals. Therefore, academic advising continues to be a significant part of the student experience, one which universities need to fully understand in terms of its objectives, application processes, and required skill. As a result of significant technological improvements since the turn of the millennium, including expanding internet applications and digital transformations, universities have established computer information systems that support academic advising and course registration services. This study examined the effects of modifications to the electronic academic advising and course registration systems at King Abdulaziz University in 2018, and then again in 2020, following a university-wide system failure in 2018 resulting from a demand overload. In 2018, a preliminary statistical analysis and student feedback survey were conducted by the authors to measure student satisfaction with the online portal On-Demand University Services (ODUS Plus). In addition to recommendations suggested by the 2018 analysis such as balancing the load distribution of the university’s network, organizational (i.e., non-technical) solutions, rules, and regulations were adjusted such as progressive course registration that prioritized those expected to graduate first. The survey and analysis were repeated by the authors in 2020 to assess improvements in student satisfaction. As a result of the changes, the investigation revealed improved student satisfaction with the performance of ODUS Plus and network access. Overall, students were significantly more satisfied in 2020 than in 2018. This research shows that some technical challenges can be resolved using re-engineered processes and organizational solutions.
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ILIE, Roxana-Corina. "Online Transactions Security in Internet Banking and e-Commerce." International Journal of Information Security and Cybercrime 2, no. 1 (June 28, 2013): 9–16. http://dx.doi.org/10.19107/ijisc.2013.01.01.
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