scholarly journals Empirical Analysis of Demographic Factors Affecting Intention to use Mobile Wallet

2019 ◽  
Vol 8 (6S) ◽  
pp. 768-776
Keyword(s):  
Service Providers ◽  
Research Work ◽  
Secondary Data ◽  
Demographic Variables ◽  
Intention To Use ◽  
Strategic Decisions ◽  
Factors Affecting ◽  
Personal Innovativeness ◽  
Significant Difference ◽  
The Government

Purpose: Development of digitalisation in banking services brought changes in the minds of customers to adopt different e -channels of banking products and services. Adoption of mobile wallet may be influenced by the demographic variables of customers.The study aims to understand the influence of demographic variables on the factors of intention to use mobile wallets Methodology/ Approach Primary and Secondary data have been utilized for analysis. The sample size of 200 respondents are chosen on method of judgement sampling Novelty Mobile wallet is one of the robust methods of making payments through online which is tremendously increased gain importance in the digital era among millennials generation group. Limited research has been conducted in the area of mobile wallet adoption. The proposed research work adds new dimension to the existing research work that the role of demographic variables on the usage of mobile wallet Practical Implications The outcomes of the current study would help the government for formulating polices and taking strategic decisions. Further the research would add value addition to mobile wallet service providers to devise strategies that will foster the mobile wallets’ adoption by the end users. Findings It has been found that with respect to genders, the factor personal innovativeness makes significant difference on the intent to use mobile wallet and the other factors such as perceived enjoyment and subjective norms do not differ significantly. Age has a significant difference on the mobile wallet usage intention.

Agro-Innovation – Path to Agricultural Entrepreneurship: Feasibility Study

2019 ◽  
Vol 5 (1) ◽  
pp. 63
Author(s):  
Elias Kamaruzzaman ◽  
Norzaidi Mohd Daud ◽  
Samsudin Wahab ◽  
Rozhan Abu Dardak
Keyword(s):  
Migrant Workers ◽  
Production Cost ◽  
Swot Analysis ◽  
Service Providers ◽  
Secondary Data ◽  
Financial Cost ◽  
Technology Changes ◽  
Property Owners ◽  
The Government ◽  
Agricultural Entrepreneurship

Technology changes will always be for the better, not only to the end users but also to the intellectual property owners of the technology and the implementers of the technology. The objective of this paper is to study the feasibility and viability for entrepreneurs to become service providers for the dispensation of fertilizers, pesticides, fungicides and supporting services such as aerial crop reconnaissance using Unmanned Aerial Vehicles (UAV) or drones. The methodology used for this study is SWOT Analysis. Both primary and secondary data is used for this analysis. This study finds that paddy farming employing drones is feasible. The beneficiaries of this study shall be the government, by way of lowering financial cost to subsidise the paddy planting, the farmers who no longer need the services of migrant workers, thus saving production cost, and finally the drone service providers and their downstream business associates who can engaged themselves in very lucrative businesses.

Analysis of Financial Performance of Public Sector Banks in India: CAMEL

2020 ◽  
pp. 097674792096686
Author(s):  
Yudhvir Singh ◽  
Ram Milan
Keyword(s):  
Public Sector ◽  
Banking Sector ◽  
Positive Impact ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Factors Affecting ◽  
Public Sector Banks ◽  
The Government ◽  
And Performance ◽  
Asset Quality

Public sector banks have been merged by the government in the last few years. This is the rationale behind conducting this study. The purpose of this article is to determine the factors affecting the performance of public sector banks in India and the interrelationship between bank-specific determinants and performance of public sector banks. In this article, we shall analyse the financial data of all the public sector commercial banks for a period spread across 11 years (2009–2019); Capital adequacy, Assets quality, Management efficiency, Earning, and Liquidity (CAMEL) has been used as a performance determinant; system generalised method of moments (GMM) analysis has been used to find the effect of determinants on the performance measurement of public sector banks; and CCA (canonical correlation analysis) has been used to find the interrelationship between the bank-specific determinants and the performance of public sector banks. The finding has important implications in terms of performance in the banking sector. Certain limitations of this study are: It is based on secondary data. The study only covers the financial aspects and not the non-financial aspects. It is found that the asset quality is negatively related with performance of public sector banks. Liquidity and inflation are inversely related to performance of public sector banks in India. Capital adequacy is positively related with banks’ performance, but inversely related with banks’ interest margin. GDP growth has a significant positive impact on banks’ performance, but inversely related with banks’ interest income. Inflation rate is inversely related with banks’ performance. Banking sector reforms are insignificantly related with banks’ performance.

Factors affecting the development of e-government using a citizen-centric approach

2015 ◽  
Vol 6 (3) ◽  
pp. 206-222 ◽  
Author(s):  
Kanda Sorn-in ◽  
Kulthida Tuamsuk ◽  
Wasu Chaopanon
Keyword(s):  
Quantitative Research ◽  
Service Providers ◽  
Structured Interview ◽  
Government Agencies ◽  
Content Type ◽  
Factors Affecting ◽  
Government Services ◽  
Government Sector ◽  
The Government

Purpose – The purpose of this paper is to study the factors affecting the development of e-government by using a citizen-centric approach. Design/methodology/approach – This paper is a mixed-methods study consisting of qualitative and quantitative research. Data were collected from government agencies using a structured interview and questionnaire about e-government services. The research was collected from the people responsible for the management of an e-government project in 75 government agencies. In addition, the researcher collected data from 1,400 citizens by using an e-Survey questionnaire that grouped participants by age. Findings – By using a citizen-centric approach, the paper identified the factors affecting the development of e-government. There were five factors from the viewpoint of government agencies and citizen groups: quality of e-government services, policy and governance, information technology infrastructure, organization and economy and society. Research limitations/implications – The research covered the development patterns of e-government for services from government to citizens only. Practical implications – Seeing the importance of environmental factors for both service providers and service users would facilitate continuous improvement of e-government service provision by government agencies. Social implications – The results reflect citizens’ need for e-government services; quality is their priority. Hence, government agencies must consider the quality of the delivery of information and e-government services as they relate to the lifestyles and needs of citizens. Originality/value – The creation of knowledge from merging e-government concepts with citizen-centric principles is a modern government sector management theory. This research stresses the need for the government sector to see the need for e-government and to recognize the factors for its successful development. This means the design and development of e-government services should respond to the increasing needs of the citizens.

scholarly journals ANALYSIS OF COST AND RETURNS IN RICE PRODUCTION BY USAID-MARKETS II PROJECT PARTICIPANTS AND NON-PARTICIPANTS IN EBONYI STATE, NIGERIA

2021 ◽  
Vol 21 (1) ◽  
pp. 1-7
Author(s):  
Ogechi Cordelia Nwahia
Keyword(s):  
Research Work ◽  
Primary Source ◽  
Sampling Procedure ◽  
Study Data ◽  
Rice Production ◽  
Farm Income ◽  
International Agencies ◽  
Significant Difference ◽  
Project Participants ◽  
The Government

This research work focused on analysis of cost and returns in rice production by USAID-MARKETS II project participants and non-participants in Ebonyi state, Nigeria. Multi-stage sampling procedure was employed to select 239 participants, and 252 non- participants for the study. Data were collected from primary source, and analyzed using Z statistic, Net Farm Income (NFI) and Returns Per Naira Invested (RNI). The result reveals that the Net Farm Income (NFI) obtained by USAID-MARKETS II project participants, and non-participants were N493, 067.55/ha, and N353, 408. 12/ha respectively while the return on investment obtained by them were N3.28k, and N3.05k respectively. There was a significant difference between the profits obtained by them. Therefore, this study recommended that the teaming unemployed Nigerian youth should be encourage by the government, and international agencies through provision of grant/loan to take up rice farming as a business.

scholarly journals EVALUATING THE EFFECT OF INDUSTRIAL EFFLUENTS ON CHEMICAL COMPOSITION OF SOIL IN VILLAGE DINGI, DISTRICT HARIPUR

2016 ◽  
Vol 1 ◽  
pp. 13
Author(s):  
K. Asghar ◽  
A. Hussain ◽  
Z. Malik ◽  
A. Asghar ◽  
A. Bibi
Keyword(s):  
Soil Fertility ◽  
Present Report ◽  
Research Work ◽  
Monitoring Program ◽  
Industrial Effluents ◽  
Contributing Factors ◽  
Factors Affecting ◽  
Natural Stream ◽  
Underlying Causes ◽  
The Government

The present report is an outcome of research work conducted in Dingi village, District Haripur in 2012. The research aimed to assess and analyze the effects of industrial effluents on the soil fertility of the village, investigate contributing factors responsible for soil pollution and underlying causes creating the problems. Data analysis revealed that area had problems pertaining to water and soil quality. The key factors affecting soil fertility were the careless discharge of the untreated industrial effluents from Hattar Industrial Estate (HIE) into the natural stream passing through village. The results were compared with the soil standards set by the World Wide Fund for Nature (WWF) and European Committee Commission (ECC) and all of these were exceeding the permissible limits and affecting the soil fertility. The soils were found not fit for agriculture. The investigation highlighted the need to take some effective steps to manage the monitoring program set for checking of industries by the government according to set rules and regulation.

FACTORS AFFECTING WATER AVAILABILITY AT HOUSE HOLD LEVEL A CASE STUDY OF QUETTA BALOCHISTAN

Al-Burz ◽  
2017 ◽  
Vol 9 (1) ◽  
pp. 259-276
Author(s):  
Shaheen Usman Kakar ◽  
Dr. Mumtaz Ali Baloch ◽  
Dr. Shahida Habib
Keyword(s):  
Water Resources ◽  
Water Availability ◽  
Secondary Data ◽  
Well Being ◽  
Water Shortage ◽  
Primary Data ◽  
Factors Affecting ◽  
Alternative Water ◽  
The Government ◽  
Sanitation Systems

  Water is of basic substance for Human development, the water brought environment, economy, civilization, livelihood provisions and well being for the society. Comprehensively understanding factors affecting the availability of water for household the water consumption behavior are required to be designed for efficient and effective water uses. To address the issue we randomly investigated 200 households in five different populated towns of Quetta city. The primary data was collected through household questionnaire survey and observation. On the other hand, secondary data included books, journal articles and websites. Data were analyzed using the Statistical Package for Social Science (SPSS). The findings of this study revealed that type of family, monthly income, major source of water, presence of garden at household and responsible factor of water shortage are significantly correlated with water availability. The survey concludes that the available water resources provided by the government are not enough for the daily household usage resultantly the respondents struggle hard to managed alternative water resources as per their requirement. The paper recommend to bring  awareness for the public sector about their right to water and provision of water sources is core responsibly of Government, especially to draw a policy for new constructions of water resources or by the remodeling of water and sanitation systems.

scholarly journals FinTech in COVID-19 and Beyond: What Factors Are Affecting Customers’ Choice of FinTech Applications?

2020 ◽  
Vol 6 (4) ◽  
pp. 153 ◽  
Author(s):  
Mohammad K. Al nawayseh
Keyword(s):  
Financial Services ◽  
Structural Equation ◽  
Service Providers ◽  
Equation Modeling ◽  
Intention To Use ◽  
Factors Affecting ◽  
Modeling Techniques ◽  
Customer Trust ◽  
The Relationship

Accessing financial services is considered one of the main challenges facing communities during crises. This research studies the role of using FinTech applications to build resilience during the COVID-19 pandemic. The research empirically examines the factors affecting Jordanian citizens’ intention to use FinTech applications. The sample of the research comprised 500 potential FinTech service users in Jordan. Based on the research conceptual model, five hypotheses were developed and tested using structural equation modeling techniques (SEM-PLS). The research results indicate that perceived benefits and social norms significantly affect the intention to use FinTech applications. However, it has been found that perceived technology risks do not significantly affect the intention to use FinTech applications. Moreover, the results also indicate that customer trust is significantly mediating the relationship between perceived risks and intention to use FinTech applications. FinTech service providers should insure that their products are easy to use, fulfill needs and protect consumers’ data in order to ensure trust, hence positively influencing consumer adoption.

Understanding continuance usage intention of mHealth in a developing country

2020 ◽  
Vol 14 (2) ◽  
pp. 251-272 ◽  
Author(s):  
Md Abdul Kaium ◽  
Yukun Bao ◽  
Mohammad Zahedul Alam ◽  
Md. Rakibul Hoque
Keyword(s):  
Structural Equation ◽  
Information Quality ◽  
Service Providers ◽  
Least Squares Method ◽  
System Quality ◽  
Content Type ◽  
Factors Affecting ◽  
Continuance Usage ◽  
The Government ◽  
Continuance Usage Intention

Purpose This study aims to understand the factors affecting the continuance usage intention (CUI) of mHealth among the rural elderly. Design/methodology/approach An integrated model was proposed with the constructs derived from multiple models such as the unified theory of acceptance and use of technology, information system success model and expectation confirmation model. Data were collected from 400 participants who had prior experiences with mHealth services in Bangladesh. The research model was tested using the partial least squares method based upon structural equation modelling. Findings The findings indicated that system quality, performance expectancy, facilitating conditions and social influence were significant to the degree of confirmation and ultimately affect satisfaction and CUI. Surprisingly, service quality and information quality were insignificant. Research limitations/implications This study has added in the field of knowledge by contributing some new thoughts and interpretations of continuance usage modelling for mHealth services. The findings may become beneficial for the government agencies, policymakers, mHealth systems developers and service providers. Originality/value As limited research was found on CUI of mHealth in the integrated view of rural elderly’s value, this research contributes to the extant literature by categorizing key factors that might support to proliferate the continuance usage of this service. Moreover, the contextualization of the related variables and integration of the existing model is theoretically original. Furthermore, because of a generic approach, the findings could be easily modified to assist other developing countries in the planning and up-take of mHealth.

Factors Affecting Indian Consumers’ Intention to Use eHealth Services

2019 ◽  
Vol 21 (2) ◽  
pp. 258-278 ◽  
Author(s):  
Ridhi Bhatia ◽  
Udita Taneja
Keyword(s):  
Computer Literacy ◽  
Demographic Factors ◽  
Quality Of Healthcare ◽  
Intention To Use ◽  
Factors Affecting ◽  
Indian Consumers ◽  
Customer Segment ◽  
Ehealth Services ◽  
The Government ◽  
The Impact

Purpose: This study focuses on the degree of acceptance of different categories of eHealth among the Indian consumers and the factors that determine acceptance and intention to use these services. The factors included for the study are as follows: demographic factors, use of information and communication technology (ICT) and the status of healthcare. Design/methodology/approach: Data were collected through personal interviews from a sample of 125 respondents living in urban and semi-urban villages in the National Capital Territory (NCT) of Delhi of India. Quota sampling method was used so that the impact of demographic factors on eHealth services could be analysed. Findings: From this study, we can conclude that the key factors that need to be considered include age, location, computer literacy and healthcare status in terms of healthcare need, accessibility and satisfaction. Practical implications: The results of this study will help in determining the customer segment and size of the market for eHealth. The government can also use the findings of this study to improve the quality of healthcare for its people by ensuring better utilization of eHealth services. Originality/value: eHealth services are an emerging solution to address the issues of healthcare accessibility, affordability and financial viability in developing countries like India. This study contributes to the limited existing literature on exploring the consumers’ intention to use eHealth services in India and the factors that will determine this intention.

scholarly journals Intention to Use Sustainable Green Logistics Platforms

2020 ◽  
Vol 12 (8) ◽  
pp. 3502 ◽  
Author(s):  
Su-Young Kwak ◽  
Woo-Sung Cho ◽  
Gil-Am Seok ◽  
Seung-Gyun Yoo
Keyword(s):  
Structural Equation ◽  
Service Providers ◽  
Statistical Processing ◽  
Equation Model ◽  
Perceived Usefulness ◽  
Network Effect ◽  
Intention To Use ◽  
Green Logistics ◽  
Checks And Balances ◽  
Factors Affecting

Recently, logistics platforms that facilitate interaction and the exchange and transaction of information have quickly emerged in the Korean domestic market. In order to further advance the development of logistics platforms into green logistics platforms in which participation in the early stages is not active, appropriate checks and balances are needed so that service providers, users, and platform operators can grow together in green logistics platforms. The purpose of this study is to empirically verify the factors affecting participants’ intentions to use green logistics platforms. Out of the 230 questionnaires distributed from 25 June to 11 July 2019, 14 were excluded from analyses due to unsatisfactory responses, while 216 responses were used for statistical processing. The structural equation model (SEM) was used to test hypotheses in this research. The results showed that the network effect and security factors influenced perceived usefulness, and trust did not affect perceived usefulness. Perceived usefulness also significantly influenced the intention to use green logistics platforms. The results of this study present strategies and directions for the future development of green logistics platforms.

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