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This study aims to identify the factors that may account for the intention to use Paytech services within an Islamic context. The authors propose an expanded version of the Technology Acceptance Model (TAM), which includes religiosity (R) and social influence (SI), to develop a causal-predictive analysis.

The research model and hypotheses were assessed using partial least square-structured equation modeling on data collected from 531 potential Paytech users.

The results reveal that religiosity has a more significant direct effect on the intention to use Paytech services than on actual use, while social influence has a more significant direct effect on use than on the intention to use Paytech services.

Cultural differences within the Middle East and North Africa region could influence the acceptance and usage of the new Paytech services.

The valuable insights gained from this study can help Fintech managers, financial institutions and developers of new financial services design effective strategies to encourage user adoption of Paytech services. Companies could prioritize implementing word-of-mouth marketing initiatives to encourage early adopters to recommend the service.

The Paytech services would enable access to financial services for the entire Muslim population regardless of their location, gender or age, thereby fostering financial inclusion.

To the best of the authors’ knowledge, this study is the first to explore the intention to use Paytech services in two Islamic countries: Saudi Arabia and Palestine. From a theoretical perspective, this work contributes to the academic literature by analyzing the mediating effects of two external variables, religiosity and social influence.

The purpose of this study is to analyze environmentally responsible tourist behavior in a socially responsible destination. Specifically, this study explores the relationship between destination social responsibility and environmentally responsible behavior (ERB) using the stimulus–organism–response model as a theoretical framework.

The research sample is composed of Spanish tourists over 18 years of age who have visited one of the selected urban tourist destinations: Malaga, Barcelona, Madrid, Palma de Mallorca and Bilbao; therefore, all participants confirmed having visited one or more of the above destinations and coming from a different place, thus confirming that in no case were they residents. Data collection used a non-probabilistic sampling method with quotas reflecting the demographic makeup of the Spanish population. Information was gathered in July 2023 through an online survey using a structured questionnaire. Before the main study, a pilot investigation ensured the reliability and clarity of the measurement scales.

It is concluded that the proposed behavior model is satisfactory and allows for explaining the ERB of tourists, whose main determinants are place attachment, perception of the destination’s social responsibility, environmental concern and perceived effectiveness.

The main contribution expected from this study is the proposal of a conceptual model, in the environment of socially responsible destinations, that allows for the completion of the proposals made in the specific literature on ERB in the context of urban tourism.

本研究探讨在具有社会责任关注的城市旅游目的地中, 游客的环保行为, 并提出了基于“刺激-有机体-反应”（SOR）框架的概念模型。研究旨在识别目的地社会责任（DSR）、环境关注、地方依恋和感知效能如何影响游客的环保行为（ERB）。

通过在线问卷调查收集了400名访问过西班牙五个城市旅游目的地的西班牙游客的数据。采用结构方程模型（SEM）验证提出的模型并测试假设。构念通过可靠且验证过的量表进行测量, 以确保数据质量。

结果证实了SOR框架中的关系：DSR对环境关注、地方依恋和感知效能有正向影响。环境关注和地方依恋在DSR对ERB的影响中起中介作用。研究强调了地方依恋和感知效能作为关键因素, 将环境关注转化为环保行为。提出的模型解释了ERB方差的64.5%。

本研究扩展了在城市旅游情境中对环保行为的理解, 强调了DSR作为情感和行为结果催化剂的作用。通过将多种理论视角整合到统一模型中, 该研究为城市目的地如何利用社会责任促进可持续发展和游客参与提供了新的见解。

Este estudio investiga el comportamiento turístico ambientalmente responsable en destinos urbanos con un enfoque en la responsabilidad social, proponiendo un modelo conceptual basado en el marco de Estímulo-Organismo-Respuesta (SOR). La investigación tiene como objetivo identificar cómo la responsabilidad social del destino (DSR), la preocupación ambiental, el apego al lugar y la percepción de eficacia influyen en el comportamiento ambientalmente responsable (ERB) de los turistas.

Se recopilaron datos mediante una encuesta en línea realizada a 400 turistas españoles que visitaron cinco destinos urbanos en España. Se utilizó modelado de ecuaciones estructurales (SEM) para validar el modelo propuesto y probar las hipótesis. Los constructos se midieron utilizando escalas confiables y validadas para garantizar la calidad de los datos.

Los resultados confirman las relaciones dentro del marco SOR: la DSR influye positivamente en la preocupación ambiental, el apego al lugar y la percepción de eficacia. La preocupación ambiental y el apego al lugar median el efecto de la DSR en el ERB. El estudio destaca el apego al lugar y la percepción de eficacia como factores críticos que transforman la preocupación ambiental en comportamiento ambientalmente responsable. El modelo propuesto explica el 64,5% de la varianza del ERB.

Esta investigación amplía la comprensión del comportamiento ambientalmente responsable en contextos de turismo urbano, enfatizando el papel de la DSR como un catalizador de resultados emocionales y conductuales. Al integrar diversas perspectivas teóricas en un modelo unificado, el estudio ofrece nuevos conocimientos para que los destinos urbanos aprovechen la responsabilidad social en la promoción de la sostenibilidad y el compromiso turístico.

This study examines the role of logotypes in advertising effectiveness on s-commerce platforms by analyzing the visual attention paid by the consumer to fashion branding – wordmarks or combination marks – and their subsequent recall.

The study examines the main areas of visual representation of the brand (VRB) on the Instagram network and the user’s corresponding areas of interest on a mobile-device screen. Attention and recall of the VRB are assessed in light of different classification variables (users’ gender, age and level of experience in s-commerce tools) to better understand how VRB may be leveraged by fashion retailers to encourage purchasing behavior. To achieve this objective, a mixed experiment design based on the eye-tracking methodology and a self-administered questionnaire is carried out.

The results indicate that visual attention, gender, age and s-commerce experience all contribute to determining users’ recall of the brand logo to which they are exposed on-screen. By considering the different s-commerce user profiles that exhibit different visualization behaviors, fashion retailers will be better placed to improve their online advertising campaigns and, ultimately, increase brand sales. The findings also point to promising future research directions on the effectiveness of branding strategies.

This highly innovative study provides in-depth insights into advertising effectiveness in terms of attention and recall, according to the main types of VRB for two specific s-commerce tools used by a high-street fashion brand, namely, its profile on Instagram Shop and its profile on Instagram Stories.

This study proposes a hierarchic segmentation that develops a tree-based classification model and classifies the cases into groups. This allows for the definition of e-commerce user profiles for each of the groups. Additionally, it facilitates the development of actions to improve the adoption of the online channel that is in such high demand in the current pandemic COVID-19 context.

Regarding the created segments, two extreme segments stand out due to their marked differences and high volume. Segment 3 with 23% of the sample is the group with the most predisposition to use the online channel and is characterised by a high level of trust, more habitual use in comparison with other groups and the belief that its use implies high performance, which indicates they believe it to be useful, quick and helpful for more an effective shopping experience. The other extreme is found in segment 7. This group makes up 17.7% of the total and is the most reluctant to use the online channel. These users are characterised by the complete opposite: they have a low level of trust in this channel. However, the effort expectancy is low, i.e. they consider that the adoption of the online channel does not involve many difficulties in its learning and use. Nevertheless, they use it less regularly than the others.

Based on the conclusions reached in this study, in the current pandemic context in which consumer demand for online shopping channels for all types of products is on the rise, it is recommended that companies focus on the following aspects. It is essential to build trust with the user and show them the real benefits of e-commerce, how it would improve their life and why they should use it. Additionally, it is vital that the user perceives it as an easy procedure that does not require a significant learning curve. Other fundamental aspects would be to reduce any uncertainty the user might have about the online shopping process, to make it as easy as possible, and to design a simple, intuitive and user-friendly interface. It is also recommendable to manage data usage efficiently. To do so, the authors recommend asking the user for the least amount of information possible, offering a data protection policy and assuring them that their information will not be misused nor shared with third parties. All of this provides a series of facilities to modify the online shopping habits of users.

As in most of the research, this study presents a series of limitations that should be debated and that could open future lines of investigation. Firstly, regarding the sample used that was limited to two neighbouring countries with similar profiles a priori; it would be necessary to compare their possible cultural differences according to Hofstede's dimensions as well as increase the number of European countries being analysed to reach a more generalised conclusions. Secondly, the variables used are a combination of those derived from the UTAUT2 model and others suggested in the literature as decisive in technology adoption by users, in this sense other theories and variables could be incorporated to complete a more holistic model.

This work contributes in a general way to (1) analysing the intention to use e-commerce platforms from a set of antecedents previously defined by their importance, after a period of economic and social restrictions derived from the pandemic; (2) determination of customer segments from the classification made by the CHAID analysis; (3) characterisation of the previously defined segments through the successive divisions that were proposed in the analysis carried out.

Other fundamental aspects would be to reduce any uncertainty the user might have about the online shopping process to make it as easy as possible, and to design a simple, intuitive, and user-friendly interface. It is also recommended to manage data usage efficiently. To do so, the authors recommend asking the user for the least amount of information possible, offering a data protection policy, and assuring them that their information will not be misused or shared with third parties.

The results obtained have allowed us to establish predictive and explanatory models of the behaviour of the segments and profiles created, which will help companies to improve their relationships with online customers in the coming years.

本研究擬提出一個會發展基於樹的分類模型、以及會把案例歸入不同的類別的層次細分。這讓我們能為每個類別考慮到電子商務用戶輪廓的定義和解釋; 這亦促進我們優化採用在線渠道的發展工作,而在線渠道於現時2019冠狀病毒病肆虐的情況下,實在供不應求。

就創設的細分而言,兩個極端的細分因其明顯的差別和大批量而顯得突出。佔樣本百分之二十三的細分3是擁有最大使用在線渠道傾向的細分,而細分3的特徵包括他們對在線渠道呈高信任度,比其他類別更習慣地使用,以及其相信使用在線渠道會帶來更高的績效,這表示他們相信使用在線渠道是有效的,是快捷的,是可幫助帶來成功的購物體驗的。另外的極端在細分7內發現。這類別佔整體的百分之十七點七,而他們是最不願意使用在線渠道的類別。這類別的特徵和前述的剛剛相反: 他們對在線渠道的信任程度是低的,唯其努力期望是低的,也就是說,他們認為使用在線渠道是不會涉及很多在學習上或在實際應用上的困難。即使是這樣,他們較其他人卻較少使用在線渠道。

基於研究的結論,我們的建議是: 於目前大流行肆虐期間,消費者對於以在線渠道網購各類商品的需求不斷增加,企業應聚焦以下的範疇: 企業必須建立消費者對電子商務的信心,並為他們展示電子商務的真正好處; 企業也必須使消費者明瞭電子商務如何能改善其生活,以及他們為何要使用電子商務。更重要的是使消費者覺得使用電子商務是輕而易舉的,又不涉及陡峭的學習曲線。凡此種種,就成為消費者改變其網上購物習慣的動力和誘因。至於其他基本的考慮,包括減輕消費者對使用電子商務的不確定情緒,使電子商務易於使用,以及設計一個簡易的、憑直覺能知曉的、方便使用的介面。另外,值得推薦的是、數據使用情況須有效地管理。為此,我們建議應儘量向使用者索取最低限度的資料,為他們提供資料保護政策,保證他們的資料不會被濫用或與第三者分享。

與其他大多數的研究一樣,本研究展現了一系列值得辯論的局限,而這些局限或許會開展未來研究的領域。首先,考慮到使用了一個局限於兩個以因及果演繹而成的、概況相似的相鄰國家為樣本,我們或許需要根據霍夫斯泰德文化維度理論對這兩個國家進行比較,以瞭解它們的文化差異; 另外,為求能達致可普遍適用的結論,我們也需把被分析的歐洲國家的數目增加。其次,被使用的變數是兩組變數的組合,他們是從UTAUT2模型中取得的變數,以及在有關的文獻裡,就技術採用而言、使用者認為是重要的變數。就此而言,若其他的理論和變數能被包含其中,則達致的模型將會是一個更為整體的模型。

本研究就一般而言有以下的貢獻: (一) 、 在因大流行病而引起的經濟和社會限制實施時期後,研究人員分析人們如何從一套過去被認定是電子商務平台的重要前身而選擇使用電子商務平台,本研究對這方面的分析作出了貢獻; (二) 、本研究幫助確定從透過CHAID分析而來的分類中得到的顧客細分; (三) 、本研究透過進行連續分解、幫助歸納過去被認定的細分的特徵。

企業必須建立消費者對電子商務的信心,並為他們展示電子商務的真正好處; 企業也必須使消費者明瞭電子商務如何能改善其生活,以及他們為何要使用電子商務。更重要的是使消費者覺得使用電子商務是輕而易舉的,又不涉及陡峭的學習曲線。凡此種種,就成為消費者改變其網上購物習慣的動力和誘因。至於其他基本的考慮,包括減輕消費者對使用電子商務的不確定情緒,使電子商務易於使用,以及設計一個簡易的、憑直覺能知曉的、方便使用的介面。另外,值得推薦的是、數據使用情況須有效地管理。為此,我們建議應儘量向使用者索取最低限度的資料,為他們提供資料保護政策,保證他們的資料不會被濫用或與第三者分享。

本研究所得的結果,讓我們可以建立多個模型、以預測並解說有關的市場部分的行為和被創建的消費者簡介,這會幫助企業改善它們今後與網上顧客的關係。

Although the sharing economy improves comfort and convenience, it is yet unclear how it affects subjective well-being. This study aims to offer a conceptual model for understanding the linkages between the antecedents and consequences of subjective well-being in ridehailing services.

Using a non-probabilistic sampling method and a pre-tested survey instrument, 450 responses were collected from January to March 2020. The data were analysed using structural equation modelling.

Experience quality and perceived convenience are correlated with subjective well-being. Perceived value and personal innovativeness were not correlated with subjective well-being, as the former does not contribute to the latter’s development. Continuous usage intention significantly correlated with subjective well-being, followed by customer relationship proneness and advocacy. Regarding gender and age differences, men place higher value on customer relationship proneness than women, while women place higher value on subjective well-being than men. Older users value perceived convenience and customer relationship proneness in ridehailing services more than younger users.

Understanding key factors contributing to user well-being in ridehailing would promote a more affordable mobility sector globally. This understanding would enable ridehailing businesses to create more effective business and marketing plans while prioritising user well-being, thus enhancing user happiness and reducing turnover rates.

This research demonstrates how crucial it is for users’ well-being to have a positive experience and find the service convenient. It also highlights the importance of building strong customer relationships and examines how gender and age influence people’s adoption and use of these services.

Aunque la economía colaborativa mejora la comodidad y conveniencia, aún no está claro cómo afecta al bienestar subjetivo. Ofrecemos un modelo conceptual para comprender las conexiones entre los antecedentes y consecuencias del bienestar subjetivo en los servicios de transporte compartido.

Utilizando un método de muestreo no probabilístico y un instrumento de encuesta previamente probado, se recopilaron 450 respuestas entre enero y marzo de 2020. Los datos fueron analizados utilizando un modelo de ecuaciones estructurales.

La calidad de la experiencia y la percepción de conveniencia están correlacionadas con el bienestar subjetivo. El valor percibido y la innovación personal no se correlacionaron con el bienestar subjetivo, ya que el primero no contribuye al desarrollo del último. La intención de uso continuo se correlacionó significativamente con el bienestar subjetivo, seguida por la propensión a las relaciones con los clientes y la defensa de estos servicios. En cuanto a las diferencias de género y edad, los hombres valoran más la propensión a las relaciones con los clientes que las mujeres, mientras que las mujeres valoran más el bienestar subjetivo que los hombres. Los usuarios mayores valoran más la percepción de conveniencia y la propensión a las relaciones con los clientes en los servicios de transporte compartido que los usuarios más jóvenes.

Esta investigación demuestra lo crucial que es para el bienestar de los usuarios tener una experiencia positiva y encontrar el servicio conveniente. También resalta la importancia de construir relaciones sólidas con los clientes y examina cómo el género y la edad influyen en la adopción y uso de estos servicios.

Comprender los factores clave que contribuyen al bienestar de los usuarios en los servicios de transporte compartido promovería un sector de movilidad más asequible a nivel global. Esta comprensión permitiría a las empresas de transporte compartido crear planes de negocios y marketing más efectivos, priorizando el bienestar de los usuarios y mejorando así su felicidad y reduciendo las tasas de rotación.

尽管共享经济提高了舒适度和便利性, 但它如何影响主观幸福感尚不清楚。我们提供了一个概念模型, 用于理解乘车服务中主观幸福感的前因后果之间的联系。

采用非概率抽样方法和预先测试的调查工具, 在 2020 年 1 月至 3 月期间收集了 450 份回复。数据采用结构方程模型进行分析。

体验质量和感知便利性与主观幸福感相关。感知价值和个人创新性与主观幸福感不相关, 因为前者无助于后者的发展。持续使用意愿与主观幸福感密切相关, 其次是客户关系倾向和拥护。在性别和年龄差异方面, 男性比女性更重视客户关系倾向, 而女性比男性更重视主观幸福感。老年用户比年轻用户更重视乘车服务中的便利感和客户关系代言。

这项研究表明, 用户获得积极的体验和便捷的服务对他们的福祉至关重要。研究还强调了建立牢固的客户关系的重要性, 并探讨了性别和年龄如何影响人们采用和使用这些服务。

了解有助于提高乘车旅行用户幸福感的关键因素, 将在全球范围内推动建立一个更加经济实惠的移动出行行业。这种理解将使打车企业能够制定更有效的业务和营销计划, 同时优先考虑用户福祉, 从而提高用户幸福感并降低流失率。

This paper aims to review the latest management developments across the globe and pinpoint practical implications from cutting-edge research and case studies.

This briefing is prepared by an independent writer who adds their own impartial comments and places the articles in context.

This paper identified that the Metaverse can be used to enhance the user experience within the tourism industry. The paper also identified that the Metaverse can also be used to improve organizational efficiency and performance.

The briefing saves busy executives, strategists and researchers hours of reading time by selecting only the very best, most pertinent information and presenting it in a condensed and easy-to-digest format.

The purpose of this study is to comprehend how AI aids marketers in engaging customers and generating value for the company by way of customer engagement (CE). CE is a popular area of research for scholars and practitioners. One area of research that could have far-reaching ramifications with regard to strengthening CE is artificial intelligence (AI). Consequently, it becomes extremely important to understand how AI is helping the marketer reach customers and create value for the firm via CE.

A detailed approach using both systematic review and bibliometric analysis was used. It involved identifying key research areas, the most influential authors, studies, journals, countries and organisations. Then, a comprehensive analysis of 50 papers was carried out in the four identified clusters through co-citation analysis. Furthermore, a content analysis of 42 articles for the past six years was also conducted.

Emerging themes explored through cluster analysis are CE concepts and value creation, social media strategies, big data innovation and significance of AI in tertiary industry. Identified themes for content analysis are CE conceptualisation, CE behaviour in social media, CE role in value co-creation and CE via AI.

CE has emerged as a topic of great interest for marketers in recent years. With the rapid growth of digital media and the spread of social media, firms are now embarking on new online strategies to promote CE (Javornik and Mandelli, 2012). In this review, the authors have thoroughly assessed multiple facets of prior research papers focused on the utilisation of AI in the context of CE. The existing research papers highlighted that AI-powered chatbots and virtual assistants offer real-time interaction capabilities, swiftly addressing inquiries, delivering assistance and navigating customers through their experiences (Cheng and Jiang, 2022; Naqvi et al., 2023). This rapid and responsive engagement serves to enrich the customer’s overall interaction with the business. Consequently, this research can contribute to a comprehensive knowledge of how AI is assisting marketers to reach customers and create value for the firm via CE. This study also sheds light on both the attitudinal and behavioural aspects of CE on social media. While existing CE literature highlights the motivating factors driving engagement, the study underscores the significance of behavioural engagement in enhancing firm performance. It emphasises the need for researchers to understand the intricate dynamics of engagement in the context of hedonic products compared to utilitarian ones (Wongkitrungrueng and Assarut, 2020). CEs on social media assist firms in using their customers as advocates and value co-creators (Prahalad and Ramaswamy, 2004; Sawhney et al., 2005). A few of the CE themes are conceptual in nature; hence, there is an opportunity for scholarly research in CE to examine the ways in which AI-driven platforms can effectively gather customer insights. As per the prior relationship marketing studies, it is evident that building relationships reduces customer uncertainty (Barari et al., 2020). Therefore, by using data analysis, businesses can extract valuable insights into customer preferences and behaviour, equipping them to engage with customers more effectively.

The rapid growth of social media has enabled individuals to articulate their thoughts, opinions and emotions related to a brand, which creates a large amount of data for VCC. Meanwhile, AI has emerged as a radical way of providing value content to users. It expands on a broader concept of how software and algorithms work like human beings. Data collected from customer interactions are a major prerequisite for efficiently using AI for enhancing CE. AI not only reduces error rates but, at the same time, helps human beings in decision-making during complex situations. Owing to built-in algorithms that analyse large amounts of data, companies can inspect areas that require improvement in real time. Time and resources can also be saved by automating tasks contingent on customer responses and insights. AI enables the analysis of customer data to create highly personalised experiences. It can also forecast customer behaviour and trends, helping businesses anticipate needs and preferences. This enables proactive CE strategies, such as targeted offers or timely outreach. Furthermore, AI tools can analyse customer feedback and sentiment across various channels. This feedback can be used to make necessary improvements and address concerns promptly, ultimately fostering stronger customer relationships. AI can facilitate seamless engagement across multiple digital channels, ensuring that customers can interact with a brand through their preferred means, be it social media, email, or chat. Consequently, this research proposes that practitioners and companies can use analysis performed by AI-enabled systems on CEB, which can assist companies in exploring the extent to which each product influences CE. Understanding the importance of these attributes would assist companies in developing more memorable CE features.

This study examines how prominent CE and AI are in academic research on social media by identifying research gaps and future developments. This research provides an overview of CE research and will assist academicians, regulators and policymakers in identifying the important topics that require investigation.

This study aims to explore the development of trust in relation to security and privacy concerns, as well as the influence of perceived risk on the intention to use e-wallets. The research focused on the Colombian context because of its characterization as an underdeveloped financial system that has experienced considerable security and privacy violations in recent years. Additionally, this geographical area is relatively under-researched, and the target demographic for this investigation was Generation Z, given their pivotal role in driving the adoption of e-wallets.

Based on measurement scales that had already been tested in the academic literature on mobile payment systems, a questionnaire was developed and distributed electronically. A total of 424 responses were obtained from young Colombians. Structural equation modeling (SEM), specifically the PLS-SEM method, was used to process the data to study the explanatory and predictive power of the proposed model.

The findings revealed that security and privacy have a positive and significant effect on perceived trust, and that this at the same time has a positive and significant effect on attitude, perceived usefulness, perceived ease and intention to use, as well as a significant but negative effect on perceived risk. On the other hand, perceived risk showed an inverse, but not significant, relationship with intention to use.

This research explored the adoption of e-wallets by young people in Colombia, which has been widely claimed in the academic literature. In a turbulent context with a high distrust of financial institutions, as well as a change in digital money consumption patterns, it is critical to understand the factors that contribute to the adoption of mobile payment services. The findings, in addition to contributing to the academic debate, have important implications for e-wallet providers, as they offer information that allows designing strategies to attract and keep current and potential users. At the same time, the recommendations by the authors allow the design of tools, especially related to security and privacy, to improve their trust and build loyalty, thus contributing to the consolidation and development of the mobile payment system.

Este estudio explora el desarrollo de la confianza en relación con las preocupaciones sobre seguridad y privacidad, así como la influencia del riesgo percibido en la intención de utilizar monederos electrónicos. La investigación se centró en el contexto colombiano debido a su caracterización como un sistema financiero subdesarrollado que ha experimentado violaciones considerables de seguridad y privacidad en los últimos años. Además, esta área geográfica está relativamente poco investigada, y el público objetivo de esta investigación fue la Generación Z, dado su papel clave en la adopción de monederos electrónicos.

Basado en escalas de medición ya probadas en la literatura académica sobre sistemas de pago móvil, se desarrolló y distribuyó electrónicamente un cuestionario. Se obtuvieron un total de 424 respuestas de jóvenes colombianos. Se utilizó el modelado de ecuaciones estructurales, específicamente el método PLS-SEM, para procesar los datos y estudiar el poder explicativo y predictivo del modelo propuesto.

Nuestros hallazgos revelaron que la seguridad y la privacidad tienen un efecto positivo y significativo en la confianza percibida, y que esto, a su vez, tiene un efecto positivo y significativo en la actitud, la utilidad percibida, la facilidad percibida y la intención de uso, así como un efecto significativo pero negativo en el riesgo percibido. Por otro lado, el riesgo percibido mostró una relación inversa, pero no significativa, con la intención de uso.

Esta investigación exploró la adopción de monederos electrónicos por parte de los jóvenes en Colombia, un tema ampliamente mencionado en la literatura académica. En un contexto turbulento con alta desconfianza hacia las instituciones financieras, así como un cambio en los patrones de consumo de dinero digital, es crucial comprender los factores que contribuyen a la adopción de servicios de pago móvil. Nuestros hallazgos, además de contribuir al debate académico, tienen importantes implicaciones para los proveedores de monederos electrónicos, ya que ofrecen información que permite diseñar estrategias para atraer y retener a usuarios actuales y potenciales. Al mismo tiempo, nuestras recomendaciones permiten diseñar herramientas, especialmente relacionadas con la seguridad y la privacidad, para mejorar la confianza y fomentar la lealtad, contribuyendo así a la consolidación y desarrollo del sistema de pago móvil.

本研究探讨了与安全性和隐私问题相关的信任发展, 以及感知风险对使用电子钱包意图的影响。研究集中在哥伦比亚的背景下, 因为该国的金融系统被认为是欠发达的, 近年来经历了相当大的安全性和隐私侵犯问题。此外, 这一地理区域的研究相对较少, 本研究的目标人群为Z世代, 考虑到他们在推动电子钱包采纳中的关键作用。

基于已经在移动支付系统学术文献中测试过的测量尺度, 开发并电子分发了一份问卷。共获得了424份哥伦比亚年轻人的回应。使用结构方程建模中的PLS-SEM方法处理数据, 以研究所提出模型的解释力和预测力。

研究发现, 安全性和隐私对感知信任有显著正向影响, 同时, 感知信任对态度、感知有用性、感知易用性和使用意图也有显著正向影响, 并对感知风险有显著负向影响。另一方面, 感知风险与使用意图之间呈现出反向但不显著的关系。

本研究探讨了哥伦比亚年轻人对电子钱包的采纳, 这在学术文献中已有广泛讨论。在一个对金融机构高度不信任的动荡背景下, 以及数字货币消费模式的变化中, 理解促使移动支付服务采纳的因素至关重要。我们的研究结果不仅有助于学术讨论, 还对电子钱包提供商具有重要意义, 因为这些结果提供了信息, 有助于设计吸引和留住当前及潜在用户的策略。同时, 我们的建议有助于设计特别与安全性和隐私相关的工具, 以提高用户信任并建立忠诚度, 从而促进移动支付系统的巩固和发展。

The online learning environment is a function of dynamic market forces constantly restructuring the e-learning landscape’s complete ecosystemcape. This study aims to propose an e-learning framework by integrating the Technology Acceptance Model (TAM) and Theory of Planned Behaviour (TPB) to predict students’ Online Learning Readiness and Behaviour.

A structured questionnaire was used to collect data from 406 students through a survey. The data were analysed using two-stage structural equation modelling and artificial neural network (ANN).

The study’s results revealed that perceived ubiquity (PUB) positively influences perceived ease of use, usefulness and attitude. Similarly, perceived mobility significantly influences perceived ease of use and attitude. Furthermore, attitude, subjective norms, perceived behavioural control and perceived usefulness significantly influence readiness to learn online, which further influences students’ online learning behaviour. The root-mean-square error (RMSE) values obtained from the ANN analysis indicate the models’ predictive solid accuracy.

The study contributes to the existing literature by proposing an Online Learning Behaviour Model by integrating the TAM and the TPB frameworks in association with two additional constructs, PUB and Perceived Mobility. Secondly, this study proposes a unique triangulation framework of recommendations for learners, educators and policymakers.

This study aims to examine the relationships between various components of digital financial literacy, namely, awareness, subjective knowledge, experience, the digital legal framework and skills, and their influence on the adoption of cashless payment systems among university affiliates in Jordan. It also explores the mediating role of gender in this relationship. The study integrates the Theory of Planned Behavior (TPB) and social role theory (SRT).

This study uses a cross-sectional survey across 34 Jordanian universities. Data from 418 participants were analyzed, focusing on factor analysis to assess the constructs' reliability and validity and to explore the moderating effects.

The findings illuminate that digital financial awareness, experience and skills are significant catalysts for using cashless payments among the targeted demographic. In contrast, the digital legal framework and subjective financial knowledge did not significantly influence cashless payment use. Additionally, gender differences emerged, highlighting a stronger association between digital financial experience and cashless payment usage for women.

The study's uniqueness stems from its detailed analysis of digital financial literacy's effect on cashless payment adoption in Jordan's academia, incorporating aspects like legal frameworks, awareness, and skills. It innovatively considers gender's moderating role, adding fresh insights into digital finance practices. Using the TPB and SRT, the research connects theory with Jordan's empirical data, suggesting strategies for education and policy. This work advances understanding of digital financial literacy in fostering a more inclusive digital financial system, contributing significantly to digital finance and behavioral economics literature.