Impact of Trust on Customer Adoption of Digital Payment Systems

2020 ◽  
pp. 16-42
Author(s):  
Palak Kanojia ◽  
Madan Lal
Keyword(s):  
Research Question ◽  
Intention To Use ◽  
Retail Sector ◽  
Payment Systems ◽  
Electronic Payments ◽  
Technology Adoption Model ◽  
Trust In Technology ◽  
The Government ◽  
Digital Payments ◽  
The Impact

With the government spending huge amounts on making digital payments successful, the reports indicate that the rate of penetration is not as rapid as it is supposed to be. Many third parties are entering into the payment sector with alternative payment systems at retail sector. This study is based on the literature available on the consumer behaviour theory of planned behaviour (TPB). The purpose of the research is to test the relationship between the trust-based factors and the antecedents of the behavioural intention to use electronic payments by the users. Presently, the research question that has been concentrated on is to study the impact of trust on the attitude and intention to use electronic payments in India. The objective of the study is to examine the role of trust in technology adoption model. The findings indicated that trust acts as a significant determinant of consumer adoption of digital payments in India. Therefore, in order to find the answers to the research question, the study has been conducted among the users of electronic payments.

Study of Increasing Adoption Trends of Digital Banking and FinTech Products in Indian Payment Systems and Improvement in Customer Services

2021 ◽  
pp. 229-255
Author(s):  
Narinder Kumar Bhasin ◽  
Anupama Rajesh
Keyword(s):  
Customer Satisfaction ◽  
Central Bank ◽  
Banking System ◽  
Government Agencies ◽  
Payment Systems ◽  
Online Payment ◽  
Customer Services ◽  
The Government ◽  
Digital Payments ◽  
The Impact

The objective of massive adaptation of digital payments by the banks with the support of the central bank of any country along with their government agencies is to improve customer services and satisfaction in the online payment systems in place of cashless and paperless payment systems. There are very few researches that have focused to measure the higher customer satisfaction based on factors like trust, risk-free, secure, transparent, accountability of banks, fintech, regulator, and payment system operators. This chapter analyzes the impact of digital banking and fintech in the Indian banking system, initiatives taken by RBI, NPCI, and the government to build the strong trust of customers in online payment systems to ensure improvement in customer services with higher customer satisfaction.

scholarly journals Implications of ownership identity and insider’s supremacy on the economic performance of the listed companies

2014 ◽  
Vol 11 (4) ◽  
pp. 399-411
Author(s):  
Qaiser Rafique Yasser ◽  
Abdullah Al-Mamun
Keyword(s):  
Firm Performance ◽  
Emerging Market ◽  
Research Question ◽  
Positive Influence ◽  
Theoretic Approach ◽  
Main Research ◽  
The Government ◽  
High Level ◽  
The Impact ◽  
The Relationship

We adopt a multi-theoretic approach to investigate a previously unexplored phenomenon in extant literature, namely the differential impact of ownership identity and director dominate shareholding on the performance of emerging market firms. The main research question addressed is, whether the impact of this relationship is conditional on the identity of the block investor. First, the relationship between overall block ownership and firm performance is tested by employing multiple regressions on 500 firm-year observations for the period from 2007 to 2011. Then, the block ownership is classified as the state, individuals, insiders, financial institutions, corporate and foreign investors and the influence of these identities on firm performance is examined. It was found that only the ownership categories such as the government, institutions and foreign ownership have positive influence on the firm performance. The results also indicate that high level of insider ownership also negatively associated with the firm performance. The main contribution of this paper is the examination of the relationship between block ownership and firm performance from the perspective of the identity of investors

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 Child Poverty and Food Scheme in Rural South African Schools: The Prospects and Limits Towards Improving the Emotional Well-Being of The Elementary School Students

2021 ◽  
Vol 9 (08) ◽  
pp. 1852-1859
Author(s):  
Felix Ifeanyichukwu Okoye ◽  
Prince Amartey Mensah
Keyword(s):  
Elementary School ◽  
South African ◽  
Elementary School Students ◽  
Research Question ◽  
Child Poverty ◽  
Well Being ◽  
Policy Framework ◽  
School Students ◽  
The Government ◽  
The Impact

The research examines the impact of poverty on the emotional well-being of elementary school students in South African rural communities. In order to understand this phenomenon, the study investigates the question on: how does poverty affect the emotional well-being of elementary school students in South Africa? The non-empirical study explores the literature from related studies to answer the research question. The literature review critically examines the effect of poverty on the emotional well-being of children, as well as the strategies used by the government to alleviate the poverty impact at rural school children. The strategies were found to have implementation deficiencies which enables the researcher to argue on the importance of improving the implementation strategies. The   finding also reveals that despite the government’s interventions to curb the problem of child poverty, yet there are policy implementation “gaps” here and there. The study recommends more study and consistent evaluation of the respective policy framework. It also recommends that the socio-economic status of people leaving in the rural area should be improved and the affected students should be engaged, and proper development response should be executed to guarantee a sustainable food security. Finally, more study and consistent evaluation of the feeding-scheme programme or policy is a sinequanon. The recommendation for Covid-19 is added for publication purposes.

scholarly journals The Role of Exhibitions in ART Education in some Selected Senior High Schools in the Bono Ahafo Region of Ghana

2021 ◽  
pp. 175-197
Author(s):  
RHODA INGE BOAMAH ◽  
ERIC APPAU ASANTE
Keyword(s):  
High Schools ◽  
Art Education ◽  
Quantitative Research ◽  
Research Question ◽  
Art Exhibitions ◽  
Art Exhibition ◽  
Art Students ◽  
The Government ◽  
The Impact ◽  
State Of Art

This study examines the impact of art exhibitions on the teaching, learning, and practice of Art Education in selected Senior High Schools in the Bono Region of Ghana. The study posed two major questions: What is the state of art exhibition practice in the selected schools? What are the emerging roles of art exhibitions in Art Education? The study employed both qualitative and quantitative research designs. The study used a sample size of eighty-one (81) participants from a population of 161 Visual Art students and teachers from three selected schools using the simple random and purposive sampling techniques respectively. On research question one, the study established that the present state of art exhibition practice in the Senior High Schools was constrained due to the uncooperative attitude of school leadership resulting in irregular organization of such events. In relation to research question two, it was found that exhibitions play diverse roles in art education. Among others, art exhibitions serve as lenses through which learning objectives in art education are measured; and that the use of artefacts for exhibitions results in the appreciation of cultural diversity among students; they also harness and develop exhibitors’ research skills and critical thinking. Recommendations for exhibitors, schools, and the Government made include encouraging exhibitors to explore the use of other non-conventional materials in producing art works; setting aside non-academic days such as Saturdays and Sundays for exhibitions; and encouraging art students to inculcate artists’ statement during exhibition of their artworks to enhance their writing skills and self-reflection respectively.

Perceived Mobile Information Security and Adoption of Mobile Payment Services in China

2018 ◽  
pp. 1179-1198 ◽  
Author(s):  
Fei Gao ◽  
Pei-Luen Patrick Rau ◽  
Yubo Zhang
Keyword(s):  
Information Security ◽  
Control Level ◽  
Mobile Payment ◽  
Intention To Use ◽  
Payment Systems ◽  
Mobile Information ◽  
Perceived Security ◽  
Perceived Familiarity ◽  
Human Side ◽  
The Impact

The rapid deployment of mobile devices and the development of mobile services and applications require to address the mobile information security from the human side. This study was aimed at identifying factors influencing people's perception of mobile information security, to investigate the impact of these factors and to facilitate related service design. A survey was conducted and analyzed with exploratory factor analysis. Five factors were identified, including perceived familiarity, perceived impact, perceived controllability, perceived awareness and perceived possibility. Thereinto, the impact of controllability, impact and familiarity on the adoption of mobile payment was investigated. Impact significantly affected the intention to use, but not the perceived security of payment systems. Control level significantly affected the intention to use and the perceived security. Familiarity was found to have an effect on neither the intention to use nor the perceived security. Related design implications for mobile payment systems were discussed.

ANALISIS FAKTOR KEPERCAYAAN TERHADAP TEKNOLOGI PADA KEINGINAN MASYARAKAT DALAM MENGADOPSI E-VOTING

2018 ◽  
Vol 4 (2) ◽  
Author(s):  
Anik Hanifatul Azizah
Keyword(s):  
New Technologies ◽  
New Technology ◽  
Positive Influence ◽  
Successful Implementation ◽  
Intention To Use ◽  
Actual System ◽  
Wide Range ◽  
Voting System ◽  
The Government ◽  
The Impact

[Id]Berkembangnya penggunaan mesin e-voting dan meningkatnya penerapan pemilu dalam jaringan (daring) mengindikasikan bahwa masyarakat percaya akan performansi teknologi informasi dalam meningkatkan proses pemilu. Kesuksesan implementasi teknologi informasi mutlak dibutuhkan, Sebagai dukungan kesuksesan tersebut diperlukan analisis yang mendalam. Sebelum mengimplementasikan teknologi e-voting, pemerintah perlu mengetahui tingkat kesediaan (willingness) masyarakat untuk menggunakan teknologi baru. Tingkatan tertentu bahwa ekspektasi seseorang dapat terpenuhi dengan baik adalah definisi dari kepercayaan (trust). Kepercayaan masyarakat teridentifikasi sebagai faktor utama untuk mempengaruhi niat/ kemauan masyarakat menggunakan sebuah teknologi. Penelitian ini menganalisis pengaruh dari faktor kepercayaan terhadap niat untuk menggunakan e-voting. Penelitian ini mengusulkan sebuah model yang menggambarkan niat masyarakat untuk menggunakan e-voting (Intention to use) dengan mengidentifikasi kepercayaan masyarakat terhadap teknologi (trust of technology). Trust dibagi menjadi beberapa faktor yang lebih spesifik. Kuisioner kertas disebarkan kepada 370 masyarakat negara Indonesia dan 346 di antaranya valid. Kuisioner disebarkan secara langsung oleh surveyor kepada masyarakat yang telah memiliki hak pilih dan disebar secara merata kepada golongan umur yang bervariasi, serta tingkat Pendidikan maupun profesi yang beragam. Hasil penelitian menunjukkan bahwa semakin tinggi Trust of Technology (TOT) dapat meningkatkan niat masyarakat untuk menggunakan e-voting (Intention to Use E-voting - ITU). Ditemukan juga beberapa faktor dapat mempengaruhi pengaruh positif terhadap kepercayaan masyarakat terhadap teknologi. Hasil dari penelitian ini menunjukkan bahwa pemerintah diharapkan untuk memperhatikan fakto-faktor yang mempengaruhi kepercayaan masyarakat yang berujung niat dan kemauan masyarakat untuk menggunakan e-voting sebelum menerapkan e-voting tersebut.Kata Kunci: Kepercayaan, Keinginan, Keamanan, Validitas, Pemilu.[En]Increasing adoption of the electronic voting machine and rising pilot testing of internet voting suggests people believe that ICT can improve the electoral process. Since every new technology adoption needs to achieve successful implementation, deeper analysis on several sides was needed to support it. Before implementing a particular e-voting technology, the government needs to know the level of citizen willingness to adopt those new technologies. The expectancy that promise of an individual or group can be relied upon is defined as trust. The citizen trust can be identified by certain factors that lead to intention to use actual system. This study analyzes the impact of trustworthiness on citizen intention to use e-voting system in a developing country. The research proposes a model of e-voting adoption intention by investigating citizen trustworthiness from trust of technology (TOT). The trust was expanded to more specific unique factors. Offline questionnaires were spreaded to 370 respondents and 346 of them were valid. Questionnaires were distributed directly by surveyors to people who have the right to vote and distributed equally for a wide range of ages, as well as varying levels of education and professions. The results indicate that higher TOT increase citizen intention to use e-voting, and also several key determinants have positive influence on the citizen trust. This result suggested that government should first comply with several factors in citizen trustworthiness before conducting an e-voting system.

scholarly journals A Study on Effectiveness of FDI on Unorganised Retail Sector of India

2020 ◽  
Vol 8 (3) ◽  
pp. 45-49
Author(s):  
N Kannan ◽  
A Kumar ◽  
P Lakshmi
Keyword(s):  
Open Economy ◽  
Vital Role ◽  
Retail Sector ◽  
Market Place ◽  
The World ◽  
Major Reform ◽  
The Government ◽  
Definition Of ◽  
The Impact ◽  
Tremendous Challenge

Foreign Direct Investment (FDI) plays a very vital role in economic development for any developing and under-developing nation, the largest democracy, and the second-largest populated country in the world is facing a tremendous challenge to fight against inflation and unemployment. FDI can provide the life-blood to the Indian economy. Though late the UPA-II Government, headed by Dr. Manmohan Singh, has decided the d on November-2012, in respect of proposals involving FDI beyond 52 percent, it is mandatory to source 30 percent of the value of the goods purchased from India, preferably MSMEs. Making India is the most open economy in the world, Modi Government announced its second major reform in FDI soon after its deep-seated changes. The Government, since the beginning, has been taken steps to boost FDI in the country to create a different climate so that foreign investors feel confident in investing. Putting an end to the long-standing discussion on the Processing of e-commerce in India, Government permitted 100 percent FDI in the market place format e-commerce retailing and also come up with the definition of a marketplace and inventoryled models of e-commerce. All these factors are dwindling purchasing from unorganized retail shops. This research paper will try to find out the impact of FDI on the unorganized retail sector in India as well as the effectiveness of FDI on Agro Products.

scholarly journals Pancasila Identity Among Millennial Generation in the Globalization Era

2021 ◽  
Author(s):  
Feren Alia Hidayat ◽  
Moses Glorino Rumambo Pandin
Keyword(s):  
National Identity ◽  
Millennial Generation ◽  
Research Question ◽  
Primary Data ◽  
Educational Institutions ◽  
Young Generation ◽  
Younger Generation ◽  
The Government ◽  
Negative Impacts ◽  
The Impact

Pancasila is the identity of the Indonesian nation, which means that Pancasila is a national characteristic that cannot be found in any country. Pancasila points are taken from the noble values of the Indonesian state. These principles contain culture, customs, and national character known as manners, cooperation, and high nationalism. As the successor to Indonesian culture, the young generation must be able to preserve and develop Pancasila. In this era of globalization, there are many challenges for the younger generation in preserving Pancasila. This study aims to provide an overview of the decline of Pancasila identity among the younger generation due to the impact of globalization. The research question that has been determined is how the practice behaviour of the younger generation towards the implementation of Pancasila, the solutions and efforts that all Indonesian people can make regarding the crisis of Pancasila identity in the era of globalization. This research method uses a literature review. The research sources were conducted from the latest journals and books published in 2019 until 2021 related to the theme of Pancasila and the millennial generation. The results showed that globalization has greatly facilitated foreign cultures to enter Indonesia. The younger generations use this foreign culture as a lifestyle without filtering it, whether it contains Pancasila values or not. This causes Pancasila has been forgotten and no longer applied in their everyday life. Young people can make various efforts to preserve the national identity, namely Pancasila. Apart from the role of the young generation itself, Indonesian society can also play an essential role in supporting the younger generation to continue implementing Pancasila in their lives. By conducting this research, it is hoped that Indonesia's young generation can understand, select, and stay away from the negative impacts of globalization that enter Indonesia freely. The solution that can be given from this research is that the younger generation must love their own culture more and practice every principle in Pancasila. Parents, educational institutions, and the government must also support the younger generation to maintain national identity, Pancasila values. The limitation of this research is that the researcher did not conduct any primary data, which means the data were not directly from the source. This causes the accuracy of this study to be less guaranteed. The recommendation that the researchers can give for further research is to obtain primary data to ensure accuracy and explore research topics regarding the fading of Pancasila identity in the younger generation in this era of globalization.

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