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The purpose of this study is to analyze the factors that influence people who use the Ajaib mutual fund application. The proposed model considers factors from Technology Adoption Theory (TAM), which are implemented in this study to analyze how technology adoption impacts investments in online mutual funds, with Millennials being the focus of the primary research. This research is quantitative in nature and uses the survey method through the distribution of online questionnaires. Sampling using purposive sampling method. This study Used 5 internal variables and 3 external variables which are User Interface, Perceived Security and Perceived Risk. After collecting data from 400 respondents, it was found that there are several factors that positively influence the actual use of the online mutual fund application adoption system, User Interface, Perceived Security, Perceived Risk, Perceived Usefulness, Perceived Ease of Use, Attitude Towards Use, and Behavioral Intention off Use on the Ajaib application actual use of the system. This insight will be helpful for online mutual fund application developers to convert the traditional mutual fund into an online platform format. [ABSTRACT FROM AUTHOR]

The advancement of information technology fosters business transaction activities that necessitate its continued development in terms of both usefulness and intentions, including the use of information technology-based financial services, commonly referred to as financial technology (fintech). This article aims to examine conceptual studies on the desire to utilize financial technology as it is mediated by perceived security, trust, and risk. This conceptual article aims to discuss the perceptions of users/potential users of fintech applications, discuss previous research on fintech, and propose a conceptual framework regarding intention to use fintech applications. The research results are expected to be taken into consideration for users/prospective users who adopt fintech applications by mediating perceived risk, trust, and perceived security. [ABSTRACT FROM AUTHOR]

This study investigated the roles of security and technological factors in the adoption of smart cities, with the aim of developing a deeper understanding of the key aspects of the successful adoption of smart cities in Jordanian traditional cities. This study developed a conceptual model to investigate the importance of security and technological factors in the adoption of smart cities. The proposed model was tested using the structural equation modeling method after collecting data from ICT experts. The findings of the study revealed that perceived security, perceived trust, and service quality play pivotal roles in enhancing the adoption of smart city services. Moreover, the results indicated that information security and information privacy positively impact intentions toward adopting smart city services. These research findings provide valuable insights into the critical factors that can drive the adoption of smart city services. Policymakers and academics could utilize this knowledge to devise and implement new strategies aimed at increasing the adoption of smart city services. [ABSTRACT FROM AUTHOR]

The context of CORONAVIRUS 2019 epidemic and the policy of social distancing encouraged by the World Health Organization (WHO) have pushed consumers to turn to online shopping. Indeed, to avoid contracting the virus by using cash or by going to crowded places, consumers are starting to favor e-commerce. This craze for e-commerce has led to an acceleration electronic payments usage. In order to understand the reasons for the high use of this type of payment during the pandemic, this study tries to determine the factors that drove the adoption of electronic payments (E-payments) during this period. The study is based on the Technology Acceptance Model (TAM), which examines the intention to adopt e-payments by focusing on the role of important factors in the acceptance of new technologies and particularly online payments. Thus, this paper contributes to the literature by examining the influence of social distancing, perceived risk, perceived security, and trust on behavioral intention to adopt electronic payment in the context of COVID 19 epidemic in Morocco. The data was collected using an online survey administered to 265 individuals. The results revealed that perceived risk, social distancing, perceived security, and trust predicted perceived usefulness, while perceived usefulness in turn had positive effects on behavioral intention to use online payment. This research examined for the first time the influence of a new variable "social distancing", which is considered an important factor in the epidemic context, and showed its positive influence on perceived usefulness of mobile payment. It also revealed that, in this particular context, perceived risk positively influences perceived usefulness, contrary to the results of several previous studies, as the risk studied is related to the risk of contracting a dangerous virus. This paper also provides interesting empirical results that allow e-services providers improve their marketing plans by highlighting the main factors that promote the adoption of electronic payments, namely, trust, perceived security, avoidance of physical contact and handling of cash, which are the main sources of contamination by CORONAVIRUS. Nevertheless, it has some limitations, such as studying intention to use instead of actual behavior. This limitation may constitute a new perspective for future research.

Background: The development of new technology that aims to make business processes more effective and efficient, so the need for the financial services sector to adopt digital technology in order to innovate financial services. Objectives: This study aims to analyze the behavior of online borrowing (Payroll first) on employees at PT. Safe And Secure Guarding Methods: This study uses quantitative methods with the population of this study are PT.SSG employees spread across several locations in Indonesia, with a total sample of 210 SSG employees. The data analysis method used a variant-based Structural Equation Model (SEM) (PLS). Results:. The emotional benefits have not been assessed either in the form of increasing prestige, the majority of SSG employees, including the millennial generation, are already accustomed to using digital applications, so they don't need a high effort in using the P2P Lending application to get paid first. the majority of SSG employees including the millennial generation besides that almost all digital applications implement ease of use and support all smartphone devices both android and IOS Conclusion: The results of this study found that Performance Expectancy, Effort Expectancy and Hedonic Motivation had no effect on Intention to Use, Perceived Security, Trust, Perceived Risk and Promotion had an influence on Intention to Use, and Intention to Use had an influence on Use Behavior. [ABSTRACT FROM AUTHOR]

This research serves two purposes: first, to identify the factors that influence how rural customers perceive technology-enabled banking self-services, and second, to determine whether these variables have any impact on rural customers' perceptions. Firstly, a number of statements about perception were developed by reviewing relevant studies. To validate the constructs, a pilot study was carried out with data collected from 100 respondents both online and offline. After reviewing the pilot survey data to assess the scales' reliability and validity, a few items were deleted to boost the construct's validity. 500 responses were gathered for the final survey using the amended instrument. Multistage and purposive sampling was used for collecting data from respondents. 400 responses were kept for data analysis after they were checked for completeness and passed a normality test. Factor analysis was used to identify factors which effect perception of customers. Correlation and regression analysis was used to find out impact of these factors. Factor analysis has identified four factors, namely perceived ease of use, perceived usefulness, perceived risk, and perceived security. The results of the correlation analysis show a positive association between all four factors and perception. According to the results of the multiple linear regression analysis, all these factors have a big impact on how they perceived various technology enabled banking self-services. This study's findings suggest two key consequences. The banks should put their primary effort into offering a straightforward, user-friendly, and continuously accessible banking self-services interface. Customers must be educated by receiving a trail sample of the service. [ABSTRACT FROM AUTHOR]

The study used previously validated measurement instrument to investigate, in a Nigerian context, the extent to which some specific factors like perceived security, perceived privacy, perceived integrity, constrained consumer’s product need, personality, perceived ease of use, perceived usability, perceived usefulness, and previous experience in Internet buying predict consumers’ attitude towards Internet buying in Nigeria. The survey research was adopted and the population of the study consisted of postgraduate management students form University of Benin, Benson Idahosa University, Ambrose Ali University, and Graduate MBA Students from the University of Benin. Data were analyzed using regression, t test and ANOVA. The research findings were: perceived privacy, constrained product need, consumers’ previous online experience and perceived usability exert strong predictive influence on consumers’ attitude towards internet buying in Nigeria. In view of the findings, a modified model that addresses the key factors influencing consumers’ attitude towards Internet buying in Nigeria is proposed. [ABSTRACT FROM PUBLISHER]

This study examines the relationship between perceived security and acceptance of online banking with the mediating effect of perceived risk and trust in Internet banking in Iranian customers. Researchers used structural equations model (SEM) to examine their hypotheses and conceptual model. Statistical data were gathered via a questionnaire from 395 randomly selected customers of Bank Saderat Iran in Semnan. Cronbach’s alpha and internal compatibility were used to check the reliability of the questionnaire. The justifiability of the research variables was checked and confirmed using the first- and second-order confirmatory factor analysis. According to the SEM results, the variables of perceived security and trust in Internet banking had a significantly positive impact on the acceptance of online banking. Although perceived risk had no significant impact on the acceptance of online banking, the results showed that perceived risk had a significantly negative impact on trust in Internet banking. [ABSTRACT FROM PUBLISHER]

Customer loyalty or repeat purchasing is critical for the survival and success of any store. By focusing on online stores, this study investigates the repeat purchase intention of experienced online buyers based on means-end chain theory and prospect theory. Buyer concern about website security is a critical issue when it comes to maximizing the potential for electronic commerce transactions. Because perceptions of inadequacy can be a major obstacle to online shopping, many researchers have studied both the antecedents and outcomes of website security. Yet, the measures of security used in these studies are problematic. Although information systems researchers and business practitioners have conceptualized security as a multidimensional concept, published empirical studies have measured perceived security as a unidimensional construct. Exclusion of the underlying dimensions likely prevents researchers fromfully assessing the impact of important dimensions of customers' perceptions of security. Here, we contribute to the methodological enhancement of this research stream by: (1) theoretically examining the nature and dimensionality of perceived security, and (2) developing and validating a multidimensional measure of this construct. The results from this study provide empirical justification for the conceptualization of perceived security as a formative second-order construct of perceived confidentiality, perceived availability, and perceived nonrepudiation. [ABSTRACT FROM AUTHOR]

Trust has been identified as the key to e-commerce because it is crucial wherever uncertainty and interdependence exist. The strong association between a high level of trust and the banking sector has not yet been fully translated in the electronic world. The aim of this article is to develop and validate a multi-dimensional model of trust for Internet banking. The data are collected through 441 Internet banking users of Halifax Bank of Scotland. Findings suggest that trust and perceived risk are direct antecedents of intention, and trust is a multi-dimensional construct with three antecedents: perceived trustworthiness, perceived security, and perceived privacy. [ABSTRACT FROM AUTHOR]