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Watmah, Sri, Siti Fauziah, and Nuraeni Herlinawati. "Identifikasi Faktor Pengaruh Penggunaan Dompet Digital Menggunakan Metode TAM Dan UTAUT2." Indonesian Journal on Software Engineering (IJSE) 6, no. 2 (December 2, 2020): 261–69. http://dx.doi.org/10.31294/ijse.v6i2.8833.
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Abstract: Digital wallets as a method of payment made online using application services. By using a digital wallet service, digital users will find it easier to make transactions, both making payments, and making transfers to other banks with more affordable administrative costs. In addition, using a digital wallet can also make companies grow faster because it is easy to transact both directly and remotely. Several digital wallet service applications currently used in Indonesia include ovo, link aja, dana, and go-pay. This research was conducted to see the factors that influence the use of digital wallets as well as anything that a person desires to take care of a digital wallet with others. This study uses the TAM (Technology Acceptance Model) and UTAUT2 (Unifield Theory Of Acceptance And Use Of Technology) methods. The results show that the variables used in the study, in the form of benefits of digital wallets, social factors, innovation, user satisfaction and recommendations for using digital wallets, are factors that can influence someone using digital wallet services.Keywords: Digital Wallet, TAM, UTAUT2, Ovo, Go-PayAbstrak: Dompet digital sebagai salah satu metode pembayaran yang dilakukan secara online dengan menggunakan jasa aplikasi. Dengan menggunkaan layanan dompet digital pengguna akan lebih mudah dalam bertransaksi baik melakukan pembayaran, maupun melakukan trensfer ke bank lain dengan biaya administrasi yang lebih terjangkau. Selain itu dengan menggunakan dompet digital juga dapat membuat perusahaan berkembang lebih cepat karena mudahnya bertransaksi baik untuk bertransaksi secara langsung maupun jarak jauh. Beberapa aplikasi layanan dompet digital yang saat ini digunakan di Indonesia diantaranya ovo, link aja, dana, dan go-pay. Penelitian ini dilakukan untuk mengetahui faktor-faktor yang mempengaruhi seseorang menggunakan layanan dompet digital serta seberapa besar keinginan seseorang untuk merekomendasikan dompet digital kepada orang lain. Penelitian ini menggunakan metode TAM (Technology Acceptance Model) dan UTAUT2 (Unifield Theory Of Acceptance And Use Of Technology). Dari hasil penelitian menunjukan bahwa variabel-variabel yang digunakan dalam penelitian berupa manfaat dompet digital, faktor sosial, inovasi, kepuasan pengguna serta rekomendasi dari penggunaan dompet digital merupakan faktor yang dapat mempengaruhi seseorang menggunkaan layanan dompet digital.Kata kunci: dompet digital, TAM, UTAUT2, ovo, go-pay
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Daragmeh, Ahmad, Judit Sági, and Zoltán Zéman. "Continuous Intention to Use E-Wallet in the Context of the COVID-19 Pandemic: Integrating the Health Belief Model (HBM) and Technology Continuous Theory (TCT)." Journal of Open Innovation: Technology, Market, and Complexity 7, no. 2 (May 12, 2021): 132. http://dx.doi.org/10.3390/joitmc7020132.
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Personal safety has had a renewed focus throughout the COVID-19 pandemic, which has led to behavioral change. The adoption of E-wallets facilitates social distancing and thereby helps prevent the spread of the COVID-19 virus. This paper aims to investigate the potential for consumers’ continued usage of an E-wallet service through an integrated framework based on two established models: the Health Belief Model (HBM) and Technology Continuous Theory (TCT). An electronic survey was distributed to a sample of 1080 individuals from academic society in three different Hungarian universities who had used an electronic wallet during the pandemic COVID-19. Structural equation modelling (SEM) was applied in the study and explained the 55.9% variance in consumers’ continuous intention towards E-wallet usage. This study found that while the COVID-19 pandemic strongly influenced the current use of e-wallets; the pivotal factor affecting their continued use is based on consumer self-efficacy. The study has both short and long-term implications; in the short-term, decisionmakers should utilize health threat constructs (as an element of the protective behaviors taken during the COVID-19 pandemic) to motivate consumers to use E-wallets; in the longer-term, banks should develop further strategies that encourage consumer loyalty regarding E-wallets by reassuring customers that these financial services achieve the value and benefits that they expect, resulting in self-efficacy.
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Ramadhan, Didit, Ratih Hurriyati, and Lisnawati Lisnawati. "ANALISIS PERILAKU ADOPSI TEKNOLOGI MOBILE WALLET MENGGUNAKAN MODEL UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY3 (UTAUT3) (Survei Pengguna OVO pada Generasi Milenial di Indonesia)." Journal of Business Management Education (JBME) 4, no. 3 (December 15, 2019): 23–29. http://dx.doi.org/10.17509/jbme.v4i3.18659.
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The development of technology has triggered developments in all industrial sectors, including circulation of money. There are three types of money currently circulating, namely currency, demand deposits and e-money. OVO is one of the server-based e-money publishers that can be accessed via a smartphone or commonly known as a mobile wallet. The low number of mobile wallet (m-wallet) users in Indonesia is interpreted from the number of people who use cash compared to m-wallets. Several factors influence the low use of m-wallet in Indonesia. Millennials are considered the generation closest to technology, the presence of new technology is a necessity that is owned by millennials. With this millennial generation, it is expected to be able to improve the performance or effectiveness of the presence of this m-wallet. The type of research used is descriptive verification, namely by describing and exposing the variables studied and then drawing conclusions. The research object is the variable found in the UTAUT3 model. The population in this study were OVO users in Indonesia. Sampling in this study uses non-probability sampling (random sampling) using a purposive sampling technique for 114 OVO users in the millennial generation in Indonesia. Instrument test is done by validity test and reliability test and the analysis technique used is analysis of Structural Equation Modeling based on Partial Least Square (SEM-PLS).
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Moorthy, Krishna, Ooi Yin Chiang, Aufa Amalina Kamarudin, Loh Chun T'ing, Chin Yoon Mei, and Sonia Johanthan. "Factors That Influence the Adoption of E-Wallets by the Malaysians." International Journal of E-Adoption 13, no. 2 (July 2021): 78–95. http://dx.doi.org/10.4018/ijea.2021070105.
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E-wallet has become a new payment method in the global trend, replacing cash payment gradually. Malaysia's national bank has set out objectives to move to a cashless society with electronic payment system in its Financial Sector Blueprint 2011-2020. Hence, this research aims to investigate the drivers that affect the behavioural intention of consumers towards the adoption of e-wallets in Malaysia. Performance expectancy, effort expectancy, and social influence are the three factors adopted from the unified theory of acceptance and use of technology model (UTAUT) to demonstrate the intention of consumers on e-wallet adoption. Additionally, perceived security and incentives are integrated into the research model to examine the factors that affect the e-wallet adoption. Four hundred fifty questionnaires were collected and analysed. The results show that all the factors have positive relationship with intention of e-wallet adoption. The research findings contribute to various parties such as the academicians, researchers, service providers, financial institutions, and the government.
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Rahmayanti, Putu Laksmita Dewi, I. Gusti Ngurah Jaya Agung Widagda, Ni Nyoman Kerti Yasa, I. Gusti Ayu Ketut Giantari, Martaleni Martaleni, Dwi Putra Buana Sakti, Suwitho Suwitho, and Putri Anggreni. "Integration of technology acceptance model and theory of reasoned action in pre-dicting e-wallet continuous usage intentions." International Journal of Data and Network Science 5, no. 4 (2021): 649–58. http://dx.doi.org/10.5267/j.ijdns.2021.8.002.
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The purpose of this study is to determine the factors influencing continuous usage intention of E-Wallet in Denpasar City with integrating the Technology Acceptance Model (TAM) And Theory of Reasoned Action (TRA). This study applied a structural equation model analysis with 140 samples collected from E-Wallet users in Denpasar City. The results show that all three determinants of E-Wallet continuous usage intention, including perceived usefulness, perceived ease of use, and attitude. Recommendations are provided for E-Wallet providers to improve their user continuous usage intention in Denpasar City.
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Phutela, Nidhi, and Shrirang Altekar. "Mobile Wallets in India." International Journal of Online Marketing 9, no. 2 (April 2019): 27–38. http://dx.doi.org/10.4018/ijom.2019040103.
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Adoption of technology by the Indians is setting an example for the others. Considering the penetration of mobile phones and its usage success stories all over the world, a good number of companies are exploring new uses of mobile technology. Many companies have come up with a new use of mobile technology, mobile wallets. This research article has been undertaken to understand the previous research work on the adoption of mobile technology in the developed countries and the factors that are influential to understand the reasons for such adoption. The Unified Theory of Acceptance and Use of Technology (UTAUT) Model has been taken as a base for understanding the adoption by Indian consumers and two factors namely – Trust in mobile wallet services and trust in mobile wallet service providers have been examined for their impact on its adoption. A survey was conducted across Delhi NCR to examine attitude of Indian consumers for mobile wallets adoption.
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Et.al, DR B. BARACKATH. "“The Impact Of Digital Wallets Threats And Safety Measures On The Level Of Usage” – A Study With Reference To Chennai." Turkish Journal of Computer and Mathematics Education (TURCOMAT) 12, no. 6 (April 11, 2021): 95–100. http://dx.doi.org/10.17762/turcomat.v12i6.1272.
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Digital wallet refers to an electronic system that enables a person to make purchases on a commodity or commodity class basis. It is a device that safely stores the payment details and password of consumers for the variety of payment methods and websites. The wallet may be Computer, Web, Smartphone or hardware wallets. Any payment by online format is subject to the limitations and threats of data security, which contribute to an increase in safety awareness of the use of information. Electronic wallets are used in the banking, investment, insurance, retail, educational, travel, entertainment and utility industries. The objective of this research study is to determine possible risks and safety measures for safer management of e-wallets and increased accessibility. An empiric research was performed by surveying 80 respondents and evaluating the data obtained by applying statistical methods such as one direction ANOVA, Matched t-test by using SPSS and Confirmatory multivariate statistical using Amos software. A simple structural equation modelling is often used to define a relationship between dependent and independent variables.
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Yang, Marvello, Abdullah Al Mamun, Muhammad Mohiuddin, Noorshella Che Nawi, and Noor Raihani Zainol. "Cashless Transactions: A Study on Intention and Adoption of e-Wallets." Sustainability 13, no. 2 (January 15, 2021): 831. http://dx.doi.org/10.3390/su13020831.
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This study explored the effect of perceived usefulness, perceived ease of use, social influence, facilitating condition, lifestyle compatibility, and perceived trust on both the intention to use an e-wallet and the adoption of an e-wallet among adults by using the unified theory of acceptance and use of technology (UTAUT). This quantitative study adopted a cross-sectional research design to gather data from 501 respondents using a Google Form. The collected data were analyzed using partial least square structural equation modelling (PLS-SEM). As a result, perceived usefulness, perceived ease of use, social influence, lifestyle compatibility, and perceived trust displayed a significant positive effect on both intentions to use an e-wallet and adoption of an e-wallet. This study evidenced the mediating effect of the intention to use an e-wallet on the correlations between the predictors and adoption of an e-wallet. Both the age and gender of the respondents moderated the effect of lifestyle compatibility on intention to use an e-wallet. The study outcomes serve to inform managers and policy makers to devise effective strategies that capture consumers’ intention to use and experience of using an e-wallet in the midst of a turbulent market. Ultimately, such carefully sculpted policies may promote the digital platform and web-based application, apart from encouraging higher rates of e-wallet adoption in developing countries.
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Kumar, Anup, Amit Adlakaha, and Kampan Mukherjee. "The effect of perceived security and grievance redressal on continuance intention to use M-wallets in a developing country." International Journal of Bank Marketing 36, no. 7 (October 1, 2018): 1170–89. http://dx.doi.org/10.1108/ijbm-04-2017-0077.
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Purpose Many developing countries, including India, are committed to curbing black money from the economy. Therefore, these countries are focusing on a transparent online transaction facility. M-wallets are one online option facilitated by various companies using a mobile application. The purpose of this paper is to investigate the impact of perceived usefulness, perceived security, perceived ease of use, trust, grievance redressal and satisfaction on young users’ intention to continually use M-wallet in India. Design/methodology/approach A research framework based on the expectation–confirmation theory has been formulated and tested empirically using data from M-wallets young users in India using structural equation modeling. Findings The analysis reveals that perceived usefulness and perceived ease of use significantly affect user satisfaction and intention to continually use M-wallets. The effect of perceived security on user satisfaction is significant, and grievance redressal mediates the effect of perceived security on intention to continually use M-wallets. Practical implications The outcome of the research will help M-wallet service providers and policy makers in planning the service and increasing customer’ continuance intention. Originality/value The uniqueness of this research is that it adds two important constructs for mobile payment systems (grievance redressal and perceived security) that were missing in the earlier model proposed by Zhou (2013). The addition of the two constructs helped in formulating a better model.
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Damayanti, Sindi Livia, Yepi Yani, Asnaini Asnaini, and Nonie Afrianty. "Minat Menggunakan E-Wallet pada Generasi Milenial dengan Pendekatan UTAUT (Unified Theory of Acceptance Use of Technology)." Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah 6, no. 1 (April 30, 2021): 63. http://dx.doi.org/10.29300/ba.v6i1.3988.
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This study aims to examine the influences of the factors contained in the UTAUT theory to the interest in using e-wallets for the millennials. This study used the analysis of Structural Equation Modeling (SEM) with SmartPLS software. The sample used is 100 millennials respondent in Kota Bengkulu. The sampling technique used was purposive sampling. The purposive sampling is used because this study requires certain criteria such as the age of the respondents in the birth range 1981-2000, using an e-wallet and live in Kota Bengkulu. The data collection technique used google form questionnaire and shared to millennials through social media such as WhatsApp, Instagram, and Facebook. The results of this study indicate that three of the factors in the UTAUT tested consisting of business expectations, social influences, and facility conditions have a positive and significant influences to the interest of the millennials to use e-wallets in Kota Bengkulu, while the performance expectation factor does not have a positive and Significant influences to millennials interest in using e-wallets in the Bengkulu City
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William, Glen, and Miharni Tjokrosaputro. "PERSEPSI KEGUNAAN DAN PROMOSI UNTUK MEMPREDIKSI NIAT PENGGUNAAN E-WALLET: SIKAP SEBAGAI VARIABEL MEDIATOR." Jurnal Muara Ilmu Ekonomi dan Bisnis 5, no. 1 (January 16, 2021): 74. http://dx.doi.org/10.24912/jmieb.v5i1.9997.
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Tujuan penelitian ini adalah untuk mengetahui apakah Persepsi Kegunaan dan Promosi dapat memprediksi Niat Penggunaan e-wallet sebagai metode pembayaran secara langsung atau melalui Sikap sebagai mediator. Sampel yang diambil dalam penelitian ini adalah 291 orang responden dengan teknik pengambilan sampel non-probability dan menggunakan survei dengan kuesioner online. Data dianalisis menggunakan SmartPLS. Hasil penelitian ini memperlihatkan bahwa Persepsi Kegunaan berpengaruh secara positif dan signifikan terhadap Niat Penggunaan e-wallet sebagai metode pembayaran secara langsung. Selain itu, Sikap memiliki peran signifikan dalam memediasi Persepsi Kegunaan dan Promosi terhadap Niat Penggunaan e-wallet sebagai metode pembayaran. Hasil penelitian ini dapat berkontribusi pada platform e-wallet tentang pentingnya Persepsi Kegunaan dan Promosi terhadap Niat Penggunaan e-wallet sebagai metode pembayaran. Selanjutnya, penelitian ini memperkaya penelitian literatur dengan menggunakan teori perilaku terencana dan model penerimaan teknologi. The aim of this research is to study whether Perceived Usefulness and Promotion can predict Intention to Use of e-wallet as payment method directly or through Attitude as mediator. The sample taken of this study was 291 respondents with nonprobability sampling techniques and using survey by online questionnaire. The data were analized using SmartPLS. The results of this study shows that Perceived Usefulness has positive and significant effect on Intention to Use of e-wallet as payment method. Furthermore, Attitude has significant role in mediating Perceived Usefulness and Promotion on Intention to Use of e-wallet as payment method. Result of this research could contribute to e-wallet platform about the importance of Perceived Usefulness and Promotion on Intention to Use of e-wallet as payment method. Furthermore, this study enrich the literature research by using Theory of Planned Behaviour (TPB) and Technology Acceptance Model (TAM).
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Tayibnapis, Radita Gora. "The Effect of Diffusion of Fintech Information through Social Media on Changes in Payment Transaction Patterns among Young People in Jakarta." International Journal of Multicultural and Multireligious Understanding 7, no. 9 (October 1, 2020): 81. http://dx.doi.org/10.18415/ijmmu.v7i9.1924.
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The presence of E-Wallet in various industrial sectors, both private and government, is a new breakthrough in fintech (financial technology) innovation that allows people to make transaction in buying and selling goods and services more easily. This new technology provides a more transparent electronic payment system. However, until now there are still so many people who have not adopted and used E-Wallet due to their lack of knowledge of this new financial technology. The approach to diffusion of innovation theory is carried out to see the effect of the use E-Wallet fintech on changes in the sale and purchase transaction patterns. The results show that the diffusion of fintech promotional messages through social media and the adaptation to the use of E-Wallet have an effect on changes in buying and selling transaction patterns among young people in Jakarta.
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Satria Fadil Persada, Irfandy Dalimunte, Reny Nadlifatin, Bobby Ardiansyah Miraja, Anak Agung Ngurah Perwira Redi, Yogi Tri Prasetyo, Jacky Chin, and Shu-Chiang Lin. "Revealing the Behavior Intention of Tech-Savvy Generation Z to Use Electronic Wallet Usage: A Theory of Planned Behavior Based Measurement." International Journal of Business and Society 22, no. 1 (March 24, 2021): 213–26. http://dx.doi.org/10.33736/ijbs.3171.2021.
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Tech-savvy Generation Z will dominate the global population. Thus, in order to stay competitive, it is essential for a business that targets this demographic to understand this generation’s characteristics. The present research measured the behavioral nature of Generation Z in using the electronic wallet (e-wallet). Specifically, the present research highlighted online and in-store transactions. The measurement in this research was done by using the famous Theory of Planned Behavior (TPB) model. A multivariate analysis with Structural Equation Model (SEM) was conducted, and six hypotheses were proposed. A questionnaire was used as the instrument development to gather the data needed for the purpose of this study; 155 respondents participated. The result showed that the TPB model was appropriate in revealing the Generation Z intention on e-wallet’s usage. Statistical findings and practical perspectives were also discussed in this paper. E-wallet providers can use the result derived from this study to develops their marketing strategies.
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Effendy, Femmy, Vanessa Gaffar, Ratih Hurriyati, and Heny Hendrayati. "ANALISIS BIBLIOMETRIK PERKEMBANGAN PENELITIAN PENGGUNAAN PEMBAYARAN SELULER DENGAN VOSVIEWER." Jurnal Interkom: Jurnal Publikasi Ilmiah Bidang Teknologi Informasi dan Komunikasi 16, no. 1 (April 28, 2021): 10–17. http://dx.doi.org/10.35969/interkom.v16i1.130.
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This study examines trends in research developments with the topic of the use of mobile payments, e-wallets. The study aims to determine: (1) the development of the number of international publications on the use of mobile payments, w-wallets on the Scopus database from 2016-2020; (2) core journals in international publications on the use of mobile payment mobile payments, e-wallets (3) maps of development of international research publications in the field of use of mobile payment mobile payments, e-wallets based on keywords (co-word). The data was collected by searching through Scopus with the keywords mobile payment, mobile, payment, e-wallet, electronic swallow, with the categories article title, abstract, keywords in the period 2016-2020. Data in the form of number of publications per year, journals containing articles on mobile payment, mobile, payment, e-wallet, electronic swallow, and subjects were analyzed using Microsoft Excel. Meanwhile, the topic mapping trend was analyzed using the VosViewer software. The results showed that the highest growth in 2016-2020 indexed in Scopus occurred in 2020 which reached 82 publications (30.5%). Most international publications are published in IEE journals with 12 articles. The results show that the research topic of mobile payments or e-wallets is still dominated by the use of the Technology Acceptance Model (TAM) theory, Trust and perceived usefulness are still the most research variables, the choice of using survey methods, with Structural Equation Model analysis tools. (SEM) especially PLS (partial least square), is dominated geographically in research in developing countries. For further research, the authors suggest the need for additional keywords so that more research results are more accurate and comprehensive.
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Satyanarayanan, M. "Swiss Army Knife or Wallet?" IEEE Pervasive Computing 4, no. 2 (April 2005): 2–3. http://dx.doi.org/10.1109/mprv.2005.39.
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Sharma, Sujeet Kumar, Sachin Kumar Mangla, Sunil Luthra, and Zahran Al-Salti. "Mobile wallet inhibitors: Developing a comprehensive theory using an integrated model." Journal of Retailing and Consumer Services 45 (November 2018): 52–63. http://dx.doi.org/10.1016/j.jretconser.2018.08.008.
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Sugeng, Purwanto, Hartini Sri, and Candra Premananto Gancar. "Narrative Online Advertising as External Variable in the Development of the Technology Acceptance Model of Go-Pay for Millennials." Journal of Accounting and Strategic Finance 3, no. 1 (June 16, 2020): 118–35. http://dx.doi.org/10.33005/jasf.v3i1.95.
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Human life is inseparable from technological developments. Until now, research related to the Technology Acceptance Model (TAM) is still used as a basis for the theory of technology product acceptance in line with the increasingly complex development of human behavior and needs. This research is the development of Technology Acceptance Modeling (TAM) by involving the Narrative Online Advertising variable. The purpose of this study is to develop and test the model by including the Narrative Online Advertising variable as an external variable or antecedent variable to the attitudes and intentions of millennials in adopting an electronic wallet (Go-Pay). The Narrative Online Advertising variable, as the theory developed by Ching, Tong, Chen, and Chen, is an online advertising strategy involving the narrative element in advertising content, which has been widely displayed on the internet media. The object used in this study is Go-pay, a popular electronic wallet application in Indonesia. The sample in this study is the millennial communities domiciled in Surabaya totaling 200 respondents, collecting data through questionnaires, using a Likert scale, and the analytical tool used is SmartPLS. The results of this study show that Narrative Online Advertising has a positive effect on the Perception of Ease of Use, but does not affect the Perception of Benefits. At the same time, the four factors positively affect the Attitude and intention to adopt Go-pay. These results indicate that millennials will use Go-pay if Narrative Online Advertising is improving their interest in using the e-wallet. Therefore, it is suggested that in making an e-money application, Narrative Online Advertising is important to attract millennials in using the app.
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Carvalho Farias, Alyne, David Barbosa de Alencar, Alexandra Priscilla Tregue Costa, and Antônio Estanislau Sanches. "Application of queuing theory to a financial institution in the public service sector in the city of Manaus." International Journal for Innovation Education and Research 7, no. 11 (November 30, 2019): 323–30. http://dx.doi.org/10.31686/ijier.vol7.iss11.1886.
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This paper aims to apply queuing theory to a banking service system. Financial institutions are known to attract large audiences on a daily basis, generating long and lengthy queues. Based on empirical knowledge, it is common to use seasonality to explain the increase and decrease in the flow of people in the agencies, either because it is the payment week of a wallet, the workers' lunchtime. This paper aims to apply the theory in a system, with the objective of increasing the company's competitiveness, so that it is remembered as the customer's first choice.
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Chawla, Deepak, and Himanshu Joshi. "Consumer attitude and intention to adopt mobile wallet in India – An empirical study." International Journal of Bank Marketing 37, no. 7 (October 7, 2019): 1590–618. http://dx.doi.org/10.1108/ijbm-09-2018-0256.
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Purpose The purpose of this paper is to empirically examine the factors that influence a consumer’s attitude and intention to use mobile wallets using a sample representative of Indian users. Design/methodology/approach A multidisciplinary model is proposed, building on the technology acceptance model (TAM) and unified theory of acceptance and use of technology (UTAUT) and other relevant research on factors, which influence technology adoption. A synthesis of review of literature on factors influencing technology adoption besides two focus group discussions (FGD) was used as a design a pilot instrument. A nationwide primary survey was conducted using the questionnaire. Convenience sampling was used to select the respondents. In total, 744 respondents participated in the survey, and 17 hypotheses were formulated and PLS-SEM was used to estimate and test the hypothesized model. Findings The results show that factors like perceived ease of use (PEOU), perceived usefulness (PU), trust, security, facilitating conditions and lifestyle compatibility have a significant impact on the consumer attitude and intention to use mobile wallets. Of the proposed 17 hypotheses, 15 were accepted. Ease of use significantly influenced usefulness and trust, whereas PU significantly influenced trust, attitude and intention. Security and trust were found to be play an important role in determining trust. Research limitations/implications This study examines the perception of students and working professional from large Indian cities. A larger representative sample encompassing balanced representation from urban and rural India could enhance the scope and widen the application of the results across larger target groups. This study analyzes data at a specific point in time. Considering the rapidly changing rate of adoption of mobile wallets, a longitudinal study could, therefore, be conducted. Furthermore, the possibility of including other antecedents like relative advantage, perceived benefits, personal innovativeness among other factors, which have not been addressed here can be explored. Also, additional research can help examine the role of demographics in adoption of mobile wallets including its moderating effect. Practical implications As security and trust emerged as important constructs for acceptance of mobile wallets, there is a need for developing an integrated robust, reliable and secure infrastructure. A joint think tank involving key stakeholders (financial institutions, mobile wallet providers, government, security experts, etc.) should propose guidelines to ensure safe and secure transactions. The findings have managerial implications, which can guide companies offering mobile wallets to enhance usage and adoption of such services. Originality/value Mobile wallets have provided newer digital payment avenues to consumers while offering companies and marketers greater opportunities to market their products and services, online. However, not much is reported about the adoption of mobile wallets in India. The study is perhaps the first in India to examine the adoption of mobile wallets using a larger sample in comparison to earlier studies. The study proposes and validates additional constructs, which were not present in the original model.
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Dr. Sunil Joshi, Sadhana Tiwari, Shashank Bharadwaj,. "A Study of Impact of Cloud Computing and Artificial Intelligence on Banking Services, Profitability and Operational Benefits." Turkish Journal of Computer and Mathematics Education (TURCOMAT) 12, no. 6 (April 5, 2021): 1617–27. http://dx.doi.org/10.17762/turcomat.v12i6.3198.
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Banks have seen a convergence in end-customer banking interactions over the last decade, owing to IT-enabled solutions and services such as Core Banking, Online Banking, Mobile Banking, Wallet, Wallets Kiosk Banking. The evolution of IT in the banking industry supports both banks and their clients. Banks' business models are now centered on delivering consumer joy via IT-enabled solutions and services. Cloud technology allows banks to follow a digital paradigm for providing novel channels, reducing TAT to market new offerings, fulfilling consumer expectations, and adhering to regulatory requirements at a lower cost. In constantly evolving technical paradigms, cloud-based solutions offer a higher value proposition to IT solutions and services. Device administrators can remotely assemble, upload, customize, and execute virtual tools to manage a business solution using cloud infrastructure. Furthermore, cloud IT technology can be scaled up or down at any time based on planned use and specifications without incurring high costs. To assess the impact of cloud computing and artificial intelligence in operational and service advantage Confirmatory factor analysis (CFA) technique is used. The thesis demonstrates how well the measured variables reflect the number of constructs and whether the estimation hypothesis is confirmed or rejected.
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Falah, Ziyan Lutfiani Noor, Ahmad Sarbini, and Yuliani Yuliani. "Strategi Marketing Dompet Dhuafa dalam Peningkatan Kepercayaan Muzakki." Tadbir: Jurnal Manajemen Dakwah 1, no. 2 (June 30, 2016): 155–71. http://dx.doi.org/10.15575/tadbir.v1i2.133.
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Tujuan penelitian ini untuk mengetahui strategi marketing dan rangkaian kegiatan yang digunakan dompet dhuafa dalam hal kepercayaan muzakki dan peningkatan donasi setiap tahunnya. Peneliti ini menggunakan model S-O-S-T-A-C, model ini pada dasarnya merupakan teori pemasaran yang dijelaskan tentang poin-poin berikut: situasi yang berkaitan dengan keberadaan dimana dan bagaimana sebuah lembaga atau instansi. Objektive yaitu yang berkaitan dengan visi dan misi serta target pencapaian sebuah lembaga. Metode yang digunakan dalam penelitian ini adalah metode deskriptif analisis dengan pendekatan kualitatif. Implementasi Dompet Dhuafa berkontribusi melalui empat bidang Program yaitu Pendidikan, Kesehatan, Sosial Development, Ekonomi dan program incidental di bulan Ramadan. Dari program tersebut terlihat perkembangan jumlah donator setiap tahunnya. Hasil dari Penelitian ini adanya peningkatan yang dilakukan oleh marketing Dompet Dhuafa dalam meningkatkan kepercayaan muzakki dengan menggunakan strategi yang telah dirancang oleg marketing dompet dhuafa. Kesimpulan dari penelitian ini bahwa dompet dhuafa yang berhasil menjalankan tugasnya dalam menambah jumlah muzakki dan donasi, telah merancang strategi dari marketing dan peningkatan kepercayaan muzakki di kota bandung. Hal ini tercermin dari misi yang dilaksanakan oleh marketing dompet dhuafa terhadap peningkatan kepercayaan muzakki. Dari proses rekrutmen, sleksi, pelatihan, pembinaan dan motivasi telah dilaksanakan sesuai strategi yang dirancang marketing.
The purpose of this research is to find out the marketing strategy and the series of activities used by Dhuafa wallet in terms of muzakki trust and increased donations each year. This researcher uses the S-O-S-T-A-C model, this model is basically a marketing theory which is explained about the following points: situations related to where and where an institution or agency is. Objective, which is related to the vision and mission as well as the achievement target of an institution. The method used in this study is a descriptive analysis method with a qualitative approach. Dompet Dhuafa implementation contributes through four program areas namely Education, Health, Social Development, Economics and incidental programs in the month of Ramadan. From the program, the number of donors is seen every year. The results of this study are the improvements made by marketing Dompet Dhuafa in increasing muzakki trust by using strategies that have been designed by marketing dhuafa wallet. The conclusion of this study that dhuafa wallet that succeeded in carrying out its duties in increasing the number of muzakki and donations, has devised a strategy of marketing and increased muzakki trust in the city of Bandung. This is reflected in the mission carried out by the dhuafa marketing wallet towards increasing the muzakki trust. From the recruitment, slection, training, coaching and motivation processes have been carried out according to the marketing designed strategy
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Lappeman, James, Joel Chigada, and Pragasen Pillay. "Rethinking share-of-wallet at the bottom of the pyramid: using financial diaries to observe monthly category trade-offs." Journal of Consumer Marketing 36, no. 1 (January 14, 2019): 50–63. http://dx.doi.org/10.1108/jcm-11-2017-2438.
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PurposeThis study provides empirical evidence for the impact that income and expenditure fluctuations have on understanding the fundamentals of BoP household share-of-wallet in South Africa.Design/methodology/approachThe study used a longitudinal financial diary methodology to record household income in 80 households (in four different geographic areas) over four monthly waves.FindingsThe study showed the lack of reliability of aggregated population income and expenditure surveys when understanding the specific behaviour of BoP households. The study concludes that major category trade-offs occur on a monthly basis, and that these trade-offs directly impact our fundamental understanding BoP SoW.Originality/valueWhile the BoP consumer theory is developing (especially in the last decade), most of the theory is focused on development and business strategy. Empirically based consumer theory is noticeably lacking, given that the BoP is the largest population segment on earth. In addition, research is largely absent of highly rigourous and in-depth quantification of consumer SoW behaviour. This study contributes to the BoP theory by examining monthly fluctuations in income and expenditure, a line of analysis not done before to this extent. In doing so, the study proposes a new metric for the measurement of category expenditure as an index of the total spend.
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Sellman, Johanna. "The Ghosts of Exilic Belongings: Maḥmūd al-Bayyātī’s Raqṣ ʿalā al-māʾ: aḥlām waʿrah and Post-Soviet Themes in Arabic Exile Literature." Journal of Arabic Literature 47, no. 1-2 (July 11, 2016): 111–37. http://dx.doi.org/10.1163/1570064x-12341310.
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Raqṣ ʿalā al-māʾ: aḥlām waʿrah (Dancing on Water: Difficult Dreams, 2006) by Maḥmūd al-Bayyātī is among a number of Arabic post-Cold War exile novels that invite critical reflection on the loss of exilic belongings tied to the Soviet world. In the novel, an Iraqi poet, who has recently arrived in Sweden from Prague, Czechoslovakia following the collapse of the Soviet Union, finds a wallet containing a large sum of money. The poet (and narrator) re-imagines his new exile in Sweden through his search for the owner of the wallet and through the related question of how to distribute the money. As the narrative unfolds, the search begins to resemble the act of circling and pacing (ṭāf, yaṭūf ), a concept that frequently recurs in the novel. Ṭāf invokes both the haunting of the narrator’s past exile and political affiliations, and ṭawāf, the ritual circling around an empty center. Read alongside Derrida’s Specters of Marx the novel offers a compelling reflection on a critical juncture of Arabic literature. By comparing Raqṣ ʿalā al-māʾ to two other post-Soviet Arabic literary narratives of exile, Iqbāl Qazwīnī’s Mamarrāt al-sukūn (Zubaida’s Window: A Novel of Iraqi Exile, 2005) and Muḥammad Makhzangī’s Laḥaẓāt gharaq jazīrat al-ḥūt (Memories of a Meltdown: An Egyptian between Moscow and Chernobyl, 2006), this article considers the multiple ways that literary narratives have made exile and Marxist political affiliations objects of mourning. The spectral qualities of Raqṣ ʿalā al-māʾ subvert many of the post-Cold War narratives on national identity and the death of Marxism that the narrator confronts and, in the end, produce an ambiguous yet engaging reflection on migration and exile in contemporary Europe.
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Sukaris, Sukaris, Wiki Renedi, Maulidyah Amalina Rizqi, and Budiyono Pristyadi. "Usage Behavior on Digital Wallet: Perspective of the Theory of Unification of Acceptance and Use of Technology Models." Journal of Physics: Conference Series 1764, no. 1 (February 1, 2021): 012071. http://dx.doi.org/10.1088/1742-6596/1764/1/012071.
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Solferino, Nazaria, Viviana Solferino, and Serena Fiona Taurino. "Quantum Entanglement and the Emergence of Collaboration in Social Media." Reports in Advances of Physical Sciences 02, no. 02 (June 2018): 1850004. http://dx.doi.org/10.1142/s2424942418500044.
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In this paper, we devise a slightly modified version of the vote with the wallet game used by Becchetti et al. [L. Becchetti and F. Salustri, The vote with the wallet as a multiplayer prisoner’s dilemma, CEIS Tor Vergata Research Paper No. 359, Vol. 13, Issue 10, Centre for Economic and International Studies, Rome, Italy (2015); L. Becchetti, V. Pelligra and F. Salustri, Testing for heterogeneity of preferences in randomized experiments: A satisfaction-based approach applied to multiple prisoner dilemmas, Appl. Econ. Lett. 24(10) (2017) 722–726] for the use of social media, where the player decides whether to responsibly share social knowledge or not. We follow the point of view of Bennet and Bennet [D. Bennet and A. Bennet, Social learning from the inside out: The creation and sharing of knowledge from the mind/brain perspective, in Social Knowledge: Using Social Media to Know What You Know, eds. J. P. Girard and J. L. Girard (IGI Global, 2011), pp. 1–23] according to which another social settings may emerge through the so-called “process of collaborative entanglement.” In this environment, members of a community interact continuously with strong emotional feelings to combine the sources of knowledge and the beneficiaries of that knowledge and move toward a common direction. The application of the model to the quantum game theory substantially confirms that the cooperative strategy becomes the optimal one depending on the frequency of interactions and people’s cultural, geographical and social reachability and traceability.
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Muzzarelli, Maria Giuseppina. "From the Closet to the Wallet: Pawning Clothes in Renaissance Italy." Renaissance and Reformation 35, no. 3 (March 11, 2013): 23–38. http://dx.doi.org/10.33137/rr.v35i3.19521.
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Dans l’Italie de la Renaissance, ce sont les vêtements qui sont le plus couramment mis en gage par ceux qui cherchent à obtenir des prêts auprès des banquiers juifs et du Monte di Pietà. Des robes, des chemises et même des chaussures sont mis en gage, et les vêtements féminins le sont plus souvent que les vêtements masculins. Cet article examine les divers types de vêtements que les emprunteurs — hommes et femmes — offraient de mettre en gage, dans le but de déterminer leur qualité et leur valeur, et de cerner ainsi l’identité de ces clients. En prenant appui sur cette thématique, cet article montre comment l’analyse des changements de types de vêtements mis en gage à la fin du XVe et au XVIe siècle peut nous aider à mieux comprendre les changements de motivations et d’identités des emprunteurs de cette époque.
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Lee, Yu Cheng, Yin Cheng Hsiao, Pei Yu Hsieh, and Yun Tien Ma. "Improved Methods for Departments' Intention for RFID Use." Advanced Materials Research 694-697 (May 2013): 2322–26. http://dx.doi.org/10.4028/www.scientific.net/amr.694-697.2322.
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Radio Frequency Identification (RFID) Government departments and enterprises in Taiwan apply RFID universally in the fields of animal microchip, door access management, Auto chip of anti-theft de-vice, MRT Easy Card, parking lot man-agement, anti-counterfeiting and material management, but the multifunctional in-telligent card with integration of RFID applications has not been developed so far. If we can develop a card with integration of the functions which are closely related to people's daily life such as ID card, NHI IC card, fingerprint, E-signature and E-commerce (E-wallet), it will not only save time and money spent on applying these cards for people, but also will lower the governmental ex-penditure and achieve the effect of energy saving and carbon reduction. The previous studies mostly explore the factors affecting the user’s intention and behavior of RFID use from the initial beliefs (ease-of-use and usefulness) and attitude. For example, to what extent the knowledge, belief, attitude, perceived value, it deserves further exploration. To resolve the above problems, this study out differences from Social cognitive theory, Innovation Diffusion theory and Expectation confirmation theory, and establishes the theory model of the user's intention and behavior of using RFID continuously, which is also verified in this paper.
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Imhof, Gustavo, and Phil Klaus. "The dawn of traditional CX metrics? Examining satisfaction, EXQ, and WAR." International Journal of Market Research 62, no. 6 (May 23, 2019): 673–88. http://dx.doi.org/10.1177/1470785319848955.
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Customer experience (CX) has evolved into a top priority of business executives worldwide. CX is a key determinant of long-term corporate success. CX research has become commonplace among academics and marketing practitioners alike. Despite CX’s omnipresence, scholars and managers cannot agree on the meaning, foundations of CX, and develop enough evidence and tools to demonstrate CX’s crucial link to firm performance. Many argue that market researchers, by still relying on proxy measurements of CX, such as service quality, customer satisfaction, or the Net-Promoter-Score, all measurements with very little or no link to consumer behavior, are to be partially blamed for this predicament. As a result, there is a growing need for new, more comprehensive measurements built to understand the CX as main driver of consumer behavior. Scholars try to address this need by offering new measures, such as CX quality (EXQ), and the wallet allocation rule (WAR). The goal of our article is to use one of the most used measurements, customer satisfaction, in comparison with EXQ and WAR to determine which one of them can explain and predict consumer behavior best. Behavior is measured by examining the share-of-category of customers with multiple automobiles. The study highlighted that CX is a far better predictor of consumer behavior than customer satisfaction. Indeed, it provides more insight and a stronger explanatory power of consumers’ share-of-wallet (SoW). The findings confirmed that customer satisfaction has a weak influence on share-of-category. We could not confirm the proposed powerful correlation between share-of-category and the WAR. The most interesting finding is that the direct relationship between CX and SoW is negative in nature. We discuss the reasons for this counterintuitive result and its implication for theory, managers, and market researchers.
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Aksoy, Lerzan, Jens Hogreve, Bart Lariviere, Andrea Ordanini, and Chiara Orsingher. "Relative measures in service research." Journal of Services Marketing 29, no. 6/7 (September 14, 2015): 448–52. http://dx.doi.org/10.1108/jsm-01-2015-0035.
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Purpose – The purpose of this paper is to introduce an alternative novel approach to measurement of customer perceptions of the service experience that links closely with customer loyalty outcomes. Design/methodology/approach – This conceptual paper draws upon prior theory and empirical research to investigate the relevance of using relative metrics compared to absolute metrics in service research. Findings – The findings upon which this paper draws upon show that measuring customer satisfaction, likelihood to recommend, brand preference using absolute metrics explain a very small per cent of the variance in key customer outcome measures such as share of wallet. Instead, a relative approach to these and other measures in service research is proposed. Practical implications – Although business practice has embraced relative measurement much more extensively than has scientific research, the vast majority of customer experience measurement programs today continue to employ absolute measures resulting in suboptimal allocation of firm resources. This paper is a call to rethink these current measurement practices. Originality/value – It is one of the first papers to argue for changing the widely employed use of absolute metrics in theory and practice in favor of relative metrics. Application to other service research theories is discussed.
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Turner, Adam, and Angela Samantha Maitland Irwin. "Bitcoin transactions: a digital discovery of illicit activity on the blockchain." Journal of Financial Crime 25, no. 1 (January 2, 2018): 109–30. http://dx.doi.org/10.1108/jfc-12-2016-0078.
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Purpose The purpose of this paper is to determine if Bitcoin transactions could be de-anonymised by analysing the Bitcoin blockchain and transactions conducted through the blockchain. In addition, graph analysis and the use of modern social media technology were examined to determine how they may help reveal the identity of Bitcoin users. A review of machine learning techniques and heuristics was carried out to learn how certain behaviours from the Bitcoin network could be augmented with social media technology and other data to identify illicit transactions. Design/methodology/approach A number of experiments were conducted and time was spend observing the network to ascertain how Bitcoin transactions work, how the Bitcoin protocol operates over the network and what Bitcoin artefacts can be examined from a digital forensics perspective. Packet sniffing software, Wireshark, was used to see whether the identity of a user is revealed when they set up a wallet via an online wallet service. In addition, a block parser was used to analyse the Bitcoin client synchronisation and reveal information on the behaviour of a Bitcoin node when it joins the network and synchronises to the latest blockchain. The final experiment involved setting up and witnessing a transaction using the Bitcoin Client API. These experiments and observations were then used to design a proof of concept and functional software architecture for searching, indexing and analyzing publicly available data flowing from the blockchain and other big data sources. Findings Using heuristics and graph analysis techniques show us that it is possible to build up a picture of behaviour of Bitcoin addresses and transactions, then utilise existing typologies of illicit behaviour to collect, process and exploit potential red flag indicators. Augmenting Bitcoin data, big data and social media may be used to reveal potentially illicit financial transaction going through the Bitcoin blockchain and machine learning applied to the data sets to rank and cluster suspicious transactions. Originality/value The development of a functional software architecture that, in theory, could be used to detect suspicious illicit transactions on the Bitcoin network.
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Tang, Chor Yee, Chin Chia Lai, Chin Wei Law, Mun Ching Liew, and Vi Vian Phua. "Examining key determinants of mobile wallet adoption intention in Malaysia: an empirical study using the unified theory of acceptance and use of technology 2 model." International Journal of Modelling in Operations Management 4, no. 3/4 (2014): 248. http://dx.doi.org/10.1504/ijmom.2014.067383.
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Raj, Keerthan, and P. S. Aithal. "Cockroach Theory of Organizational Sustainability and Scalability - Detailed Study on Evidence Based on BOP Approach." IRA-International Journal of Management & Social Sciences (ISSN 2455-2267) 12, no. 1 (August 1, 2018): 1. http://dx.doi.org/10.21013/jmss.v12.n1.p1.
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<p>The question of survival and sustenance are at the very foundation of every individual or organization. There are various factors that are essential for growth and sustenance of companies. There has been many research studies undertaken to gauge the success factors or to breakdown the components and study success in detail. Especially so, it gains even more importance when companies are serving the markets where consumers have very low incomes and have several unmet needs. Companies serving the base of the pyramid markets need relatively unique strategies and value propositions for success. The base of pyramid came into forefront when management thinkers C K Prahalad and Staurt L. Hart, formulated the “Bottom of the Pyramid” theory in a 2002 article about how businesses can help the poor while still able to make a profit. They noted that there was little competition among the millions of the poor, who essentially live in a world of non consumption. Through low prices, new business models and innovative products, and inclusive value creation corporations along with the help of nongovernmental organizations (NGOs) and local governments, could make money and do good for the larger cause by tapping this underserved market. It has been the belief of many that BOP consumers are typically characterized by several unmet needs, it could range from food, sanitation, transport, communication, and connectivity. It is also interesting to note that in several BOP markets where are overlapping needs not necessarily following the need hierarchy. Information and communication technology businesses have been able to occupy a larger share of the BOP consumer’s wallet than even basic needs such as sanitation or electricity. What then prompts these consumers and how can businesses reach out to these segments in a phased successful manner. This paper develops the concept, postulates, explanations, theoretical model, and business case based proof on Cockroach Theory of Organizational sustainability and scalability by considering BOP business companies performance evidence. The study also discusses the applicability of this theory and its frameworks on companies and their business models focusing on BOP sectors along with the limitations.</p>
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Nair, Asha K. S., and Som Sekhar Bhattacharyya. "Is sustainability a motive to buy? An exploratory study in the context of mobile applications channel among young Indian consumers." foresight 21, no. 2 (April 8, 2019): 177–99. http://dx.doi.org/10.1108/fs-05-2018-0048.
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PurposeConsumers shopping motives may differ across products/services categories, retail formats and channels. In the context of m-Apps-based commerce, this study aims to explore different shopping motives of consumers in three different categories of app, namely, food delivery, ride sourcing and digital payments. Using motivation literature, the study extends the theory of consumer motives by including sustainability as a key motive to buy in the context of m-App channel. Further, the authors undertake a comparative analysis of the identified motives across the three mobile applications (m-Apps).Design methodology/approachThe research methodology involved two stages (qualitative research followed by quantitative research). In qualitative research, personal interview was conducted to extract items for survey questionnaire development. Subsequently, quantitative analysis was carried out. The data were subjected to exploratory factor analysis and confirmatory factor analysis (CFA). The study sample comprised 201 young Indian managers.FindingsUsing principal component analysis and CFA, the study validates the existence of different motivations in the three categories of m-Apps considered. Transaction-oriented and sustainability-oriented motivation is found to be a major motive to use m-Apps for food delivery, ride sourcing and mobile payments. Additionally, in digital wallet applications for mobile payments, consumers exhibit innovation-oriented motivation. Value-oriented motivation was identified as a motive in food delivery apps.Research limitations/implicationsThe scale developed and the comparative study done extended the theoretical conversation on young consumer motives in the context of m-Apps channel and extended it by including sustainability motive, which needs further in-depth study.Originality/valueThis is one of the first studies to explore sustainability motives in the context of m-Apps channel.
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Echchakoui, Said. "Effect of salesperson personality on sales performance from the customer’s perspective." European Journal of Marketing 51, no. 9/10 (September 12, 2017): 1739–67. http://dx.doi.org/10.1108/ejm-03-2016-0147.
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Purpose Drawing on socioanalytic theory, this paper aims to explore whether a moderation mediation model can describe the mechanism linking salesperson social reputation (perceived stability and plasticity) and performance (customer share of wallet) in relationship marketing. The mediator is the salesperson’s overall equity, and the moderator is the salesperson-customer congruence. Design/methodology/approach A structured questionnaire was used to obtain data from 233 customers, served by 44 personal finance advisors at five banking agencies in Canada. Findings A multilevel approach showed that both perceived stability and perceived plasticity predict salesperson equity and performance. In addition, the empirical results indicated that the relationship between perceived stability and salesperson performance is partially mediated by salesperson overall equity. However, equity fully mediated the relationship between perceived plasticity and salesperson performance. Finally, the salesperson-customer congruence moderated the effect of both perceived stability and plastic on the salesperson overall equity. Research limitations/implications This research suggests that the moderation mediation model enables predicting the relationship between the perceived personality and performance. From a managerial perspective, the author encourages sales managers to pay attention to salespersons’ equity development as well as their performance. Notably, the author suggests that sales managers support and monitor salespeople with regard to improving their social status as well as their social popularity in their interactions with customers. Originality/value Previous research in sales force literature focuses on salespersons’ self-personality to predict sales performance. To the best of the author’s knowledge, this study is the first to show it is important to consider the perceived personality of a salesperson in predicting their performance. This study is also the first to introduce the salesperson reputation concept and its dimensions (perceived stability and plasticity).
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Kwiatek, Piotr, Zoe Morgan, and Marsela Thanasi-Boçe. "The role of relationship quality and loyalty programs in building customer loyalty." Journal of Business & Industrial Marketing 35, no. 11 (March 23, 2020): 1645–57. http://dx.doi.org/10.1108/jbim-02-2019-0093.
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Purpose Despite the abundance of B2B loyalty programs (LPs), the research on their interplay with relationship marketing is scarce. The purpose of this paper is to investigate a LP (a relational practice) on a transactional business market to test if and how a B2B LP affects relationship outcomes. Design/methodology/approach The study is based on dyadic research in a multi-theory framework. Data were collected from 200 small and medium enterprises that purchase office supplies from a company and merged with the company’s internal records.The formative-reflective measurement model is estimated using structural equation modeling – partial least squares (SEM-PLS). Findings Relationship quality (RQ) directly affects sales and customer share of wallet. The effect is strengthened by customer activity in a LP. RQ results directly in a longer tenure and willingness to recommend only for members of a LP. Research limitations/implications RQ is driven mainly by customer’s evaluation of prior experience with a supplier, while a LP is based on a forward-looking promise of a reward. The results of the study point to the level of customers’ activity in a LP as a boundary condition of the program’s efficacy. Practical implications RQ affects both attitudinal and behavioral outcomes but through distinct mechanisms. Once a supplier is a preferred one, LP membership strengthens the attitudinal outcome of a relationship. The effect of RQ on company performance is magnified by the level of customer activity in a LP but not by the membership status. Originality/value The theoretical framework integrates transaction costs, relational contract and relational exchange theories to investigate a LP on a transactional market. The study adds to the scant literature on LPs in business-to-business and provides evidence for similarities and differences in comparison to consumer research.
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Harun, Muhammad. "Philosophical Study of Hans Kelsen's Thoughts on Law and Satjipto Rahardjo's Ideas on Progressive Law." Walisongo Law Review (Walrev) 1, no. 2 (October 30, 2019): 195. http://dx.doi.org/10.21580/walrev.2019.1.2.4815.
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<p>The purpose of this paper is to compare and evaluate the thoughts of Hans Kelsen with Satjipto Raharjo. Both offer their respective theories, namely Hans Kelsen's pure legal theory and Satjipto Rahardjo's progressive law. In this theory, both of them base their philosophical approach. After reviewing, the theories of these two figures are relevant for interpreting the law. This paper uses a critical paradigm with a combination of normative or doctrinal and sociological or non-doctrinal approaches. The results showed that Hans Kelsen directed his mind that legal positivism considers moral speech, values are finished and final when it comes to the formation of positive law. Pure Legal Theory is not a perfect copy of transcendental ideas, but it does not try to see the law as a posterity of justice. While Rahardjo's progressive law rests on the aspects of rules and behavior. Regulations will build a positive and rational legal system. While the behavioral or human aspects will drive the rules and systems that are built.</p><p> </p><p>Tujuan penulisan ini adalah untuk membandingkan dan mengevaluasi pemikiran Hans Kelsen dengan Satjipto Raharjo. Keduanya menawarkan teori masing-masing, yaitu teori hukum murni Hans Kelsen dan hukum progresif Satjipto Rahardjo. Dalam teori ini, keduanya sama-sama mendasarkan pendekatan secara filosif. Setelah dikaji, teori dari kedua tokoh ini relevan untuk memaknai hukum. Tulisan ini menggunakan paradigima kritis dengan pendekatan kombinasi normatif atau doktrinal dan sosiologis atau non doktrinal. Hasil penelitian menunjukkan bahwa Hans Kelsen lebih mengarahkan pikirannya bahwa positivisme hukum yang menganggap pembicaraan moral, nilai-nilai telah selesai dan final manakala sampai pada pembentukan hukum positif. Teori Hukum Murni bukanlah salinan ide transendental yang sempurna, namun tidak berusaha memandang hukum sebagai anak cucu keadilan. Sementara hukum progresifnya Rahardjo bertumpu pada aspek peraturan dan perilaku (rules and behavior). Peraturan akan membangun suatu sistem hukum positif yang logis dan rasional. Sedangkan aspek perilaku atau manusia akan menggerakkan peraturan dan sistem yang dibangun. </p>
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Harun, Muhammad. "Philosophical Study of Hans Kelsen's Thoughts on Law and Satjipto Rahardjo's Ideas on Progressive Law." Walisongo Law Review (Walrev) 1, no. 2 (October 18, 2019): 199. http://dx.doi.org/10.21580/walrev.2019.2.2.4815.
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<p>The purpose of this paper is to compare and evaluate the thoughts of Hans Kelsen with Satjipto Raharjo. Both offer their respective theories, namely Hans Kelsen's pure legal theory and Satjipto Rahardjo's progressive law. In this theory, both of them base their philosophical approach. After reviewing, the theories of these two figures are relevant for interpreting the law. This paper uses a critical paradigm with a combination of normative or doctrinal and sociological or non-doctrinal approaches. The results showed that Hans Kelsen directed his mind that legal positivism considers moral speech, values are finished and final when it comes to the formation of positive law. Pure Legal Theory is not a perfect copy of transcendental ideas, but it does not try to see the law as a posterity of justice. While Rahardjo's progressive law rests on the aspects of rules and behavior. Regulations will build a positive and rational legal system. While the behavioral or human aspects will drive the rules and systems that are built.</p><p> </p><p>Tujuan penulisan ini adalah untuk membandingkan dan mengevaluasi pemikiran Hans Kelsen dengan Satjipto Raharjo. Keduanya menawarkan teori masing-masing, yaitu teori hukum murni Hans Kelsen dan hukum progresif Satjipto Rahardjo. Dalam teori ini, keduanya sama-sama mendasarkan pendekatan secara filosif. Setelah dikaji, teori dari kedua tokoh ini relevan untuk memaknai hukum. Tulisan ini menggunakan paradigima kritis dengan pendekatan kombinasi normatif atau doktrinal dan sosiologis atau non doktrinal. Hasil penelitian menunjukkan bahwa Hans Kelsen lebih mengarahkan pikirannya bahwa positivisme hukum yang menganggap pembicaraan moral, nilai-nilai telah selesai dan final manakala sampai pada pembentukan hukum positif. Teori Hukum Murni bukanlah salinan ide transendental yang sempurna, namun tidak berusaha memandang hukum sebagai anak cucu keadilan. Sementara hukum progresifnya Rahardjo bertumpu pada aspek peraturan dan perilaku (rules and behavior). Peraturan akan membangun suatu sistem hukum positif yang logis dan rasional. Sedangkan aspek perilaku atau manusia akan menggerakkan peraturan dan sistem yang dibangun. </p>
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Djatmiko, Wahju Prijo. "Law and Public Relations in Indonesia: Viewed from the Theory of John Henry Merryman on Strategies of Legal Development." Walisongo Law Review (Walrev) 1, no. 1 (April 30, 2019): 1. http://dx.doi.org/10.21580/walrev.2019.1.1.4751.
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Principally, legal development is a sustainable development, its function as human interest protection, legal aims to reach an order and balance. Order in society guarantees the protection on human interest. Even though, the development on law is directed to create order in society, meaning law and society are interconnected, there are still plenty of legal products that are not able to meet people needs, and one of them is the judicial review on the Act no. 19 year 2013 on Protection and Enforcement to Farmers. This reflects that the Act does not represent social factors. This shows no harmony and benefit connections between the Act no.19 year 2013 as written legal product and society. This phenomenon, then, is analyzed from Theory of John Henry Merryman on Legal Development Strategy (Orthodox and Responsive). The process of making a responsive legal product is a participative one meaning that the process involves greatly the participation of society through social groups and individual in community. Reversely, orthodox legal product is characterized by its centralistic process in which state institutions dominate the process, especially the authority of executives.
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Jönsson, Jeppe. "Distortional theory of thin-walled beams." Thin-Walled Structures 33, no. 4 (April 1999): 269–303. http://dx.doi.org/10.1016/s0263-8231(98)00050-0.
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Volovoi, V. V., and D. H. Hodges. "Theory of Anisotropic Thin-Walled Beams." Journal of Applied Mechanics 67, no. 3 (March 7, 2000): 453–59. http://dx.doi.org/10.1115/1.1312806.
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Asymptotically correct, linear theory is presented for thin-walled prismatic beams made of generally anisotropic materials. Consistent use of small parameters that are intrinsic to the problem permits a natural description of all thin-walled beams within a common framework, regardless of whether cross-sectional geometry is open, closed, or strip-like. Four “classical” one-dimensional variables associated with extension, twist, and bending in two orthogonal directions are employed. Analytical formulas are obtained for the resulting 4×4 cross-sectional stiffness matrix (which, in general, is fully populated and includes all elastic couplings) as well as for the strain field. Prior to this work no analytical theories for beams with closed cross sections were able to consistently include shell bending strain measures. Corrections stemming from those measures are shown to be important for certain cases. Contrary to widespread belief, it is demonstrated that for such “classical” theories, a cross section is not rigid in its own plane. Vlasov’s correction is shown to be unimportant for closed sections, while for open cross sections asymptotically correct formulas for this effect are provided. The latter result is an extension to a general contour of a result for I-beams previously published by the authors. [S0021-8936(00)03003-8]
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Xiong, Xiao Li, Li Bing Jin, and Kai Xi Li. "A New Conception of Free Torsion Rigidity in Constraint Torsion Theory for Members with Open Thin-Walled Cross-Section." Advanced Materials Research 261-263 (May 2011): 888–94. http://dx.doi.org/10.4028/www.scientific.net/amr.261-263.888.
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In calculating the internal force and deformation of a thin-walled member, the influence of the free torsion rigidity must be considered and it makes the study complicated. Actually, from the analogy relations between the equilibrium equation in the constraint torsion theory of a thin-walled member and that in the plane bending theory of a tension-bending solid bar, the action of the free torsion rigidity can be regarded as a tension effect on a thin-walled member with torsion, i.e. the action can be described as a second-order effect like the tension action in the plane bending theory. Taking cantilever bars for example, the simple calculation method of the internal force and deformation of thin-walled members are deduced by the Taylor series in mathematics, and then verified by ANSYS.
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Tong, Genshu, and Qiang Xu. "An Exact Theory for Curved Beams with Any Thin-Walled Open Sections." Advances in Structural Engineering 5, no. 4 (October 2002): 195–209. http://dx.doi.org/10.1260/136943302320974572.
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Currently available theories for thin-walled curved beams lack rigorous theoretical development. This paper provides a detailed derivation of an exact theory for biaxial bending and torsion of thin-walled circularly curved beams with any open profile. The derivation is based on two well-accepted assumptions in the theory of thin-walled members. Exact expressions for longitudinal displacement, longitudinal normal stress and shear stress and their resultants are presented. Simplified theories are also given for practical applications.
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Yazdani Sarvestani, Hamidreza, and Ali Naghashpour. "Nonlocal Theory to Analyse Nanotube Structures under Tension." Journal of Nanomaterials 2015 (2015): 1–9. http://dx.doi.org/10.1155/2015/635287.
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Because nanocomposites have found augmented use in many industries, the analytical solutions are required to be developed. This paper presents the development of a new analytical method for studying nanotube structures under tension using layer-wise and Eringen theories. Two opposite ends of tubes are subjected to normal forces. Nonlocal governing differential equations are derived and presented. The theoretical developments determine the effect of the geometric and nonlocal constitutive relations for single-walled nanotubes (SWNTs), double-walled nanotubes (DWNTs), and multiwalled nanotubes (MWNTs) under tension loading. It is observed that all displacement components increase with the increase in the nonlocal parameter.
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Šimić Penava, Diana, and Maja Baniček. "Critical Force Analysis of Thin-Walled Symmetrical Open-Section Beams." Applied Mechanics and Materials 827 (February 2016): 283–86. http://dx.doi.org/10.4028/www.scientific.net/amm.827.283.
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This paper analyzes critical forces and stability of steel thin-walled C-cross-section beams without lateral restraints. Mechanical properties of the rods material are determined by testing standard specimens in a laboratory. Based on the obtained data, the stability analysis of rods is carried out and critical forces are determined: analytically by using the theory of thin-walled rods, numerically by using the finite element method (FEM), and experimentally by testing the C-cross-section beams. The analysis of critical forces and stability shows that the calculation according to the theory of thin-walled rods does not take the effect of local buckling into account, and that the resulting critical global forces do not correspond to the actual behaviour of the rod. The FEM analysis and experimental test show that the simplifications, which have been introduced into the theory of thin-walled rods with open cross-sections, significantly affect final results of the level of the critical force.
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Wu, Xi-Xian, and C. T. Sun. "Simplified theory for composite thin-walled beams." AIAA Journal 30, no. 12 (December 1992): 2945–51. http://dx.doi.org/10.2514/3.11641.
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Zang, M. "Band Theory of Single-Walled Carbon Nanotubes." IEEE Transactions On Nanotechnology 4, no. 4 (July 2005): 452–59. http://dx.doi.org/10.1109/tnano.2005.851249.
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Duong, Nguyen Ngoc, Nguyen Trung Kien, and Nguyen Thien Nhan. "Ritz solution for buckling analysis of thin-walled composite channel beams based on a classical beam theory." Journal of Science and Technology in Civil Engineering (STCE) - NUCE 13, no. 3 (August 31, 2019): 34–44. http://dx.doi.org/10.31814/stce.nuce2019-13(3)-04.
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Buckling analysis of thin-walled composite channel beams is presented in this paper. The displacement field is based on classical beam theory. Both plane stress and plane strain state are used to achieve constitutive equations. The governing equations are derived from Lagrange’s equations. Ritz method is applied to obtain the critical buckling loads of thin-walled beams. Numerical results are compared to those in available literature and investigate the effects of fiber angle, length-to-height’s ratio, boundary condition on the critical buckling loads of thin-walled channel beams.
Keywords:
Ritz method; thin-walled composite beams; buckling.
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Luo, Qi Zhi, and Yu Ji Chen. "Geometric Nonlinear Analysis of Curved Box Continuous Girders Considering Shear Lag Effect." Advanced Materials Research 243-249 (May 2011): 1811–16. http://dx.doi.org/10.4028/www.scientific.net/amr.243-249.1811.
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The analytical theory and computational method for thin-walled curved box girders in terms of the shear lag effect and geometric nonlinearity are presented. Based on the potential variational principle and the theory of thin-walled box girders, the geometry nonlinear governing differential equations of thin-walled curved box girder considering the influence of the shear lag effect of flange’s stress and the large deflection is established. The equation is solved by means of Newton-Raphon iteration method. The results from the present method are in good agreement with those of the test and the segment method. The numerical examples are conducted to verify the accuracy and reliability of the present theories. It is shown that the proposed formulae and method could be referenced to the design for the thin-walled curved box girders considering shear lag effect.
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Taig, Gerard, and Gianluca Ranzi. "Generalised Beam Theory (GBT) for Shear Deformable Stiffened Sections." Applied Mechanics and Materials 553 (May 2014): 600–605. http://dx.doi.org/10.4028/www.scientific.net/amm.553.600.
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A Generalised Beam Theory (GBT) formulation is presented to analyse the structural behaviour of shear deformable thin-walled members with partially stiffened cross-sections located at arbitrary locations along their length. The deformation modes used in the formulation are taken as the dynamic eigenmodes of a planar frame representing the unstiffened cross-section. Constraint equations are derived and implemented in the GBT member analysis to model the influence of rigid stiffeners on the member response. The accuracy of the approach is validated against a shell finite element model developed in Abaqus. A numerical example describing the linear elastic behaviour of partially stiffened thin-walled member is provided to outline the usability and flexibility of the proposed method.
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Tong, Gengshu, and Lei Zhang. "The Transverse Stresses in Thin-Walled Beams and its Effect on Strength and Stability." Advances in Structural Engineering 6, no. 2 (May 2003): 159–67. http://dx.doi.org/10.1260/136943303769013246.
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The transverse stresses are studied in thin-walled mono-symmetrical steel I beams. Equations are obtained to calculate these stresses in the three plates of the beam. The effect of these stresses on the beam strength has been analyzed. It is found that these transverse stresses in the flanges need to be considered carefully in strength checks at the supports and at the sections where concentrated loads act if the contact widths at the supports or at the loaded points are small. There are two theories available at present for the stability of thin-walled beams. One is traditional, the other is a more recently presented newer theory. They give quite different buckling moments for mono-symmetrical simply supported beams under transverse loads. This paper presents a newly formulated buckling theory of thin-walled beams based on the general variational principle for stability of solid structures and the plate buckling theory in which the effect of the transverse stresses on the beam stability has been included. This new theory confirmed the traditional formula of the critical moment, but not the more recently presented newer one. The buckling analysis using ANSYS confirmed also the new theory presented in this paper.