Search

AbstractThis study examines the relationship of perceived privacy, perceived security, technology anxiety, effort expectancy, and performance expectancy with citizens’ adoption behavior directly and through trust and attitude. This study integrated perceived privacy, perceived security, and technology anxiety into the UMEGA framework. Data were collected from 759 citizens in Pakistan and analyzed through partial least square structural equation modeling (PLS-SEM) using SmartPLS 4.0 software. The results demonstrate that perceived privacy, perceived security, technology anxiety, effort expectancy, and performance expectancy positively impact citizens’ adoption behavior directly and through attitude and trust. This study implies that the policymakers and the relevant authorities of the Pakistani government should improve citizens’ trust by addressing their privacy and security concerns. By enhancing privacy and security, citizens’ participation in e-government services can be increased through their positive attitude and trust in these platforms. Moreover, this research suggests making simple video tutorials explaining how people of Pakistan can use e-government services to decrease technology anxiety among the public. [ABSTRACT FROM AUTHOR]

Purpose: Our research investigated how the perceived effectiveness of privacy, perceived privacy risk, and perceived security influenced consumers' behavioral intention to use mobile payment applications during the COVID-19 pandemic. Design/methodology/approach: We applied a quantitative method using a cross-sectional online survey conducted over three years. We collected a sample of 1,471 survey responses focused on ages 18–39. Using descriptive statistics, confirmatory factor analysis, and structural equation modeling, we tested our hypotheses with SPSS 27 and AMOS 27. Findings: Results of the study indicate that the perceived effectiveness of privacy positively influences perceived privacy risk, perceived security, and behavioral intention. Moreover, perceived privacy risk has a positive effect on perceived security. We found no significant relationship between perceived privacy risk and behavioral intention, although perceived security has a positive effect on behavioral intention. Further mediation analyses showed that perceived privacy risk and perceived security mediate the relationship between the perceived effectiveness of privacy and behavioral intention. Originality/value: This research sheds new light on the role of perceived privacy effectiveness in mobile payment adoption in Hungary, particularly during the COVID-19 pandemic. Our research also explains why and how perceived privacy effectiveness influences consumers' perceived privacy risk, perceived security, and behavioral intention. [ABSTRACT FROM AUTHOR]

This study focuses on understanding the factors that influence end-users' (customers') acceptance of fintech services in the insurance industry. The study employed a modified Unified Theory of Acceptance and Use of Technology 2 model, incorporating perceived security and personal innovativeness as independent variables, and trust as a moderating variable. A total of 391 responses were analyzed using partial least squares structural equation modeling in SmartPLS software. The study's findings indicate that factors such as effort expectancy, social influence, facilitating conditions, perceived, and personal innovativeness positively affect users' behavioral intention (BI) to use fintech services in the insurance industry. Moreover, BI positively influences the actual use (AU) of fintech services. Additionally, trust plays a positive moderating role between BI and AU. The results of this study have practical implications for academicians, researchers, insurance companies, and insurance regulatory bodies. Academicians and researchers can further explore the acceptance of fintech in developing countries based on these findings. Insurance companies and regulatory bodies can take necessary steps and formulate strategies to promote the adoption of fintech services in the insurance industry, considering the identified factors and the role of trust. [ABSTRACT FROM AUTHOR]

The impetus for this research is the suboptimal concept of service quality and perceived privacy toward customer satisfaction for online food delivery. This study seeks to ascertain the influence of service quality, perceived security, and privacy on enhancing customer satisfaction via SERVQUAL Theory. Data were collected by distributing questionnaires using the purposive sampling method to 190 generation Y and Z participants who used online food delivery. Data were analyzed using CB-SEM to test the relationship between latent variables through parameter estimation, hypothesis testing. The results of this study indicate that service quality and customer perceived value do not significantly affect customer satisfaction. However, this study reveals that service quality, perceived security, perceived privacy, and customer perceived value have a significant effect on trust, and trust significantly affects customer satisfaction. The novelty of the research in this study is the addition of the perceived privacy variable. The findings of this study provide insight into the development of SERVQUAL Theory. This study extends the application of the theory by adding perceived privacy and perceived security as important variables relevant to online food delivery. This study provides insight for companies to design effective marketing strategies to build trust and increase customer satisfaction.

The prime purpose of this paper was to explore the association among website characteristics (information quality, system quality, perceived security, and visual appearance) and brand love in the airline industry. It also aimed to verify if brand love has a relationship with word of mouth. A questionnaire was utilized for collecting the data from several airline passengers in the UAE. All responses were quantitatively analyzed via PLS-SEM. The findings showed that information quality and system quality positively influence brand love. It was also found that perceived security and visual appearance are positively correlated with brand love. Finally, the analysis verified that brand love has a positive impact on word of mouth. This paper provides valuable implications to the management in the airline industry. Specifically, the results could be useful for marketing practitioners in the industry to devise strategies aimed at minimizing the risks in the online booking context, particularly security aspects to attain greater performance.

The adoption and use of ICT have increased drastically in developed countries, but it cannot be said that it lags in developing countries. ICT evolution has introduced e-commerce services for users, but these services fail because of low user acceptance and user attitude, especially in developing nations. The security and trustworthiness of e-commerce are known to be of the most significant concern to people intending to use e-commerce services. The study looked at the role of individual characteristics on how cyber-security and trust issues affect non-users of e-commerce systems' intention to use e-commerce systems in South Africa. The effect of cyber security on consumers' intentions and actual use of e-commerce systems was examined. This study used a quantitative research approach. The findings revealed that perceived security and perceived trust was the primary concern for non-users of e-commerce intentions. It was shown that e-commerce system users are still concerned about security, even though they intend to continue using e-commerce systems. For the success of e-commerce in rural communities, the government needs to join with retailers and SMEs to start awareness campaigns that will clarify how e-commerce systems work and eradicate negative perceptions of e-commerce systems. [ABSTRACT FROM AUTHOR]

Providing couriers with wearable artificial intelligence devices to prevent accidents is not only beneficial to the courier's safety but will also save money in terms of insurance premiums for express companies; therefore, it is worth investigating what factors can influence the acceptance of wearable artificial intelligence devices by couriers. Push–pull–mooring (PPM) theory and affective event theory (AET) are integrated, to test couriers' adoption of wearable safety detection devices. Social influence, perceived security, personal innovativeness, and affective event reaction are applied to the research model. Questionnaires are distributed among several listed express companies and 263 valid questionnaires are used for empirical testing. Empirical results indicated that social influence, perceived safety, personal innovativeness and affective event reaction are positively related to usage with coefficients 0.218, 0.301, 0.698 and 0.309. Personal innovativeness has positive moderating effects on relationships between affective event reaction, perceived security and usage, with coefficients 0.145 and 0.106; however, it has no significant moderating effect on the relationship between social influence and usage. The research aims to help support the proliferation and adoption of wearable artificial intelligence devices to optimize the current state of the express industry and improve the interaction between couriers and managers, creating an active management strategy that will allow express companies to thrive. The study not only provides insights to help express companies reduce insurance costs, but also provides recommendations for accelerating the company's environmental, social and governance goals, leading sustainable development and building new corporate value. [ABSTRACT FROM AUTHOR]

Purpose: The study investigates the influence of perceived security (PS) on behavioral intention (BI) via the trust attitude process and explores the moderating effects of gender. PS in mobile wallets enhances user trust (TR), attitude (ATT) and intention (INT). Using a multiple and serial mediation model, both TR and ATT were found to mediate the relationship between PS and BI. Design/methodology/approach: Drawing on the stimulus-organism-response (S-O-R) theory, the proposed conceptual model comprises PS, TR, ATT and BI. An online survey was conducted with a cross-sectional sample of 744 mobile wallet users in India. Partial least squares structural equation modeling (PLS-SEM) was used to analyze the hypothesized relationships and test the mediation effects. Findings: Results show that the stimulus, PS, has a positive and significant influence on TR and ATT, which eventually has a positive influence on BI. The research model explains 64.4 percent of the variance in BI. Further, both TR and ATT independently and parallelly mediate the relationship PS and BI. Lastly, gender is found to moderate the relationship between TR and BI and ATT and BI. Practical implications: The research showed the importance of PS, TR and ATT towards mobile wallet adoption INTs. Further, the findings support the idea that developing TR and ATT is essential for shaping INTs. This suggests that mobile wallet service providers should invest in methods that not just enhance user TR but also reinforce a positive ATT towards the platform. To demonstrate TR, mobile wallet providers must ensure the confidentiality and privacy of user data, keep customer interests in mind and fulfill commitments. Lastly, for strengthening customer TR, excellent customer support is extremely important. Originality/value: While prior researchers have majorly used technology acceptance model (TAM) and unified theory of acceptance and use of technology (UTAUT) models to explain adoption INTs, this study examines the relationship between PS, TR, ATT and BI through the lens of the SOR framework. [ABSTRACT FROM AUTHOR]

Shared Automated Vehicles (SAVs) promise to make automated mobility accessible to a wide range of people while reducing air pollution and improving traffic flow. In the future, these vehicles will operate with no human driver on board, which poses several challenges that might differ depending on the cultural context and make one-fits-all solutions demanding. A promising substitute for the driver could be Digital Companions (DCs), i.e. conversational agents presented on a screen inside the vehicles. We conducted interviews with Colombian participants and workshops with German and Korean participants and derived two design concepts of DCs as an alternative for the human driver on SAVs: a human-like and a robot-like. We compared these two concepts to a baseline without companion using a scenario-based online questionnaire with participants from Colombia (N = 57), Germany (N = 50), and Korea (N = 29) measuring anxiety, security, trust, risk, control, threat, and user experience. In comparison with the baseline, both DCs are statistically significantly perceived as more positively. While we found a preference for the human-like DC among all participants, this preference is higher among Colombians while Koreans show the highest openness towards the robot-like DC. [ABSTRACT FROM AUTHOR]

Abstract The context of education has changed due to revolutionary developments in the information communication technology (ICT) industry in the post-COVID era. Innovative learning methods were introduced in the education sector to promote quality education. The students find it more convenient to use ICT tools to integrate their knowledge-seeking. China has recently paid more attention to developing and adopting electronic infrastructure. The study assesses the effect of technology self-efficacy (TSE) on ICT acceptance and implementation in China’s education sector. It also analyzed the role of perceived trust, perceived security, and electronic word of mouth (eWOM) in integrating digital information sharing and interaction tools. Data is collected from 382 business students at Chinese universities. The results revealed that perceived trust mediates the relationship between TSE and the actual use of ICT tools, intention to use ICT tools for information, and intention to use ICT tools for interaction. Further, perceived security and eWOM significantly moderate the relationship between TSE and perceived trust. The findings indicate that it is essential to offer assistance and instruction to students in the educational sector so they can use ICT technology more frequently. It is also crucial for organizations to establish a supportive culture and provide the necessary technological resources to facilitate the use of ICT.

Sakpole is a motor vehicle tax payment system for taxpayers in Central Java Province. This study aims to analyze the factors that affect the "New Sakpole" Application's behavioural intention and use behaviour using the UTAUT2 Model involving the perceived security aspect. This type of research is a quantitative approach, through distributing questionnaires using purposive sampling techniques, with a research sample of 409 respondents as vehicle taxpayers in the Semarang coordinator's UPPD. The data were analyzed using Smart PLS 3 Software. The findings indicated that the intention to use the "New Sakpole" application was shaped by several factors: performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, and perceived security. The actual usage of the "New Sakpole" application was driven by facilitating conditions and behavioural intention. Additionally, age and gender served as moderator variables, impacting the relationships between these factors as evidenced by changes in the t-statistics value.

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 context of education has changed due to revolutionary developments in the information communication technology (ICT) industry in the post-COVID era. Innovative learning methods were introduced in the education sector to promote quality education. The students find it more convenient to use ICT tools to integrate their knowledge-seeking. China has recently paid more attention to developing and adopting electronic infrastructure. The study assesses the effect of technology self-efficacy (TSE) on ICT acceptance and implementation in China's education sector. It also analyzed the role of perceived trust, perceived security, and electronic word of mouth (eWOM) in integrating digital information sharing and interaction tools. Data is collected from 382 business students at Chinese universities. The results revealed that perceived trust mediates the relationship between TSE and the actual use of ICT tools, intention to use ICT tools for information, and intention to use ICT tools for interaction. Further, perceived security and eWOM significantly moderate the relationship between TSE and perceived trust. The findings indicate that it is essential to offer assistance and instruction to students in the educational sector so they can use ICT technology more frequently. It is also crucial for organizations to establish a supportive culture and provide the necessary technological resources to facilitate the use of ICT. [ABSTRACT FROM AUTHOR]

The primary purpose of this study is to explore the impact of website characteristics (perceived security, information quality, and system quality) on customer experience in the online retail context. It also intended to confirm if customer experience has any impact on brand engagement. A structured survey was used for gathering the responses from customers of online retailers in the UAE. Data gathering procedure was implemented via administering the questionnaire to the targeted respondents online (via social media channels and email). However, after multiple attempt only 406 valid responses were obtained. The obtained data was analyzed through the software of SmartPLS. According to the analysis, it was shown that the effect of information quality on customer experience is significant. The results also confirmed that system quality and perceived security have both positive and significant effects on customer experience. Lastly, the results depicted that customer experience positively influences brand engagement. This study offers useful insights to the marketers in retail industry by understanding the significance of website characteristics in enhancing customer experience and reinforcing favourable brand engagement. [ABSTRACT FROM AUTHOR]

Introduction: Official endorsement, distinct from celebrity, expertise, and peer endorsement, introduces a new paradigm where local government officials use online platforms, particularly live streaming, to promote local products and brands. Methods: This study examines the influence of official endorsement on consumer responses using the source credibility and source attractiveness models. We developed a framework that considers official credibility and attractiveness attributes as antecedents, and consumer perceived security and enjoyment as mediators, affecting purchase intention and local brand awareness. The study also incorporates variables such as consumer region and power distance belief. Results: Data from 594 responses obtained through an online survey were analyzed using structural equation modeling. The results indicate that official credibility attributes (expertise, trustworthiness, government credibility) enhances consumer perceived security, while official attractiveness attributes (physical attractiveness, interaction friendliness, and similarity with consumers) increases consumer enjoyment. Both perceived security and enjoyment positively influence purchase intention and local brand awareness. These relationships are partially moderated by consumer region and power distance belief. Discussion: This research pioneers the study of official endorsements, expanding the endorsement literature. It also provides practical insights for marketing professionals and government officials on leveraging official endorsements to enhance the value of local products and brands. [ABSTRACT FROM AUTHOR]

Despite its plausible proliferation, Fintech entails increasing cybersecurity and trust issues. Thus, education is vital in moderating factors related to technology acceptance in using Fintech. This research aims to investigate the factors that influence Malaysian consumers to utilise mobile banking services. It integrates the UTAUT (Unified Theory of Acceptance and Use of Technology) model with perceived security and trust and uses education as a moderator. It used the convenience and quota sampling technique, with 399 responses collected through a survey. PLS-SEM analysis discovered that social influence and performance expectancy positively impacted the willingness of individuals to adopt mobile banking. Meanwhile, effort expectancy, system quality, trust, and perceived security are insignificant. Education moderates the relationship between intention and one factor (social influence). This research enlightens banks and policymakers in understanding consumer behaviour in promoting Fintech applications in banking. [ABSTRACT FROM AUTHOR]

Purpose: Scholarly literature and industrial evidence imply how to improve face recognition technology. However, given the relative novelty of the influence on consumers' (users) emotions and behavior, little research has been undertaken on this issue. Hence, this paper aims to check the perceived role of privacy and security in behavioral intention in face recognition. As the mediated factor, we consider the impact of perceived privacy and perceived security on behavioral intention by trust, perceived ease of use, and perceived usefulness. Findings: The results indicated that all the hypotheses are supported except for the effect of perceived privacy on trust Originality/value: This paper analyzes the effect of perceived privacy and perceived security on behavioral intention in face recognition based on the Technology Acceptance Model (TAM), which has not been investigated thoroughly in the context of face recognition. Future research suggests using different samples or methods to test the stability of the results on these variables.

This study investigates the assertion that the use of mobile financial services, tools that increase financial inclusion and reduce poverty, lags the adoption rate, partly due to concerns about trust in technology and mobile-finance providers. The study employs a 387-respondent survey from the Eastern Cape province of South Africa. A two-step factor-score structural equation model investigates trust as a mediating factor for perceived security, perceived benefits, perceived ease of use, age, and education. Results show that the impact of perceived ease of use and perceived benefits are amplified in a high trust environment. Trust has a complementary mediation relationship with perceived benefits and perceived ease of use. The effect of age is wholly mediated by trust, explaining the insignificance of age effects in studies of mobile finance use and adoption that do not consider mediation. Investment in user-friendly platform features can benefit overall provider performance. The importance of product design and security features is reiterated. Service providers should prioritize monitoring trust through customer surveys and educating users about the potential benefits of mobile financial services. [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]

Cloud gaming technology is a fairly new innovation in the gaming industry in the world. The implementation gradually expanded and reached Indonesia at this time. However, the growth of its users tends to be slow, even though game players in Indonesia have reached 105 million people. If cloud gaming users can become larger, it will certainly be profitable for the provider companies and the Indonesian state. Therefore this research was conducted to understand the factors that influence the acceptance of cloud gaming technology with the Xbox cloud gaming case study. In this study using the main model Unified Theory of Acceptance and Use of Technology (UTAUT) added variables perceived security and perceived value. The data collection method used is an online survey using Google Forms. The number of samples collected reached 120 game players. Multiple regression analysis and sub-group analysis were used to test the hypotheses proposed in the study. Based on the results of the analysis it was found that all hypotheses were supported. performance expectancy, effort expectancy, social influence, facilitating condition, perceived security and perceived value influence the user's behavioral intention to keep using Xbox cloud gaming. The results of this study are expected to be able to make cloud gaming service providers, especially Xbox, to be able to improve the quality of service based on the suggestions put forward by the author. [ABSTRACT FROM AUTHOR]

The trend towards a cashless society in Indonesia is rapidly advancing, driven by the introduction of Bank BPD Bali's innovative e-wallet, Balipay. However, the bank faces significant challenges amidst escalating competition from other e-wallet products. This research addresses these challenges by examining the factors influencing users' interest in adopting and using Balipay. Utilizing the Technology Acceptance Model (TAM), the study considers perceived usefulness, perceived ease of use, and additional constructs related to perceived security and trust regarding the Balipay e-wallet. Data for the research was collected through an online survey involving 180 active Balipay users in Bali, and the analysis was conducted using Structural Equation Modeling (SEM) through the SmartPLS 4 tool. The findings indicate that perceived usefulness has a significant and positive impact on user interest, whereas perceived ease of use and security perception do not significantly affect user interest. Furthermore, the study reveals that perceived usefulness, ease of use, and security positively and significantly influence user trust. Trust mediates the relationship between perceived usefulness, ease of use, and security concerning user interest in Balipay. In practical terms, the research offers valuable insights for e-wallet service providers like Balipay, enhancing their understanding of user behavior. Service providers are also obliged to prioritize user-related interests, with the aim of increasing interest while building and maintaining a higher level of trust. Therefore, this research was conducted with the aim of providing us with an in-depth understanding of various user behaviors and providing concrete guidance for service providers to face the challenges of a larger and more dynamic market. [ABSTRACT FROM AUTHOR]

Building upon the information systems success model (ISSM) and the theory of reasoned action (TRA), we suggest a set of hypotheses related to fintech services consumer adoption, and we use survey data from a sample of consumers in China's fintech industries to test this framework. We demonstrate three main dimensions of quality in the context of fintech services—i.e., system, information, and service quality—and we find that both consumers' perceived security and privacy are positively related to consumers' trust in such services, which in turn encourages the formation of both positive attitudes toward those fintech services and intentions to use. This study sheds new light into fintech services by indicating that, to fully understand the relationships between improving the quality of fintech service, user security and privacy protection, and consumers' behavioral attitudes and intentions, managers in fintech firms must actively assess the extent to which consumers trust their fintech services, and they must also be able to deal with the challenges posed by consumers' behavioral uncertainty by implementing an effective trust-enhanced strategy. Through the integration of ISSM and TRA, our findings contribute to an emerging stream of fintech research and extend the literature on trust by providing novel evidence that building strong trust-based relationships with consumers can be particularly beneficial to fintech firms when they want to create positive attitudes in the minds of consumers and thus motivate them to adopt the services. [ABSTRACT FROM AUTHOR]

The trend towards a cashless society in Indonesia is rapidly advancing, driven by the introduction of Bank BPD Bali's innovative e-wallet, Balipay. However, the bank faces significant challenges amidst escalating competition from other e-wallet products. This research addresses these challenges by examining the factors influencing users' interest in adopting and using Balipay. Utilizing the Technology Acceptance Model (TAM), the study considers perceived usefulness, perceived ease of use, and additional constructs related to perceived security and trust regarding the Balipay e-wallet. Data for the research was collected through an online survey involving 180 active Balipay users in Bali, and the analysis was conducted using Structural Equation Modeling (SEM) through the SmartPLS 4 tool. The findings indicate that perceived usefulness has a significant and positive impact on user interest, whereas perceived ease of use and security perception do not significantly affect user interest. Furthermore, the study reveals that perceived usefulness, ease of use, and security positively and significantly influence user trust. Trust mediates the relationship between perceived usefulness, ease of use, and security concerning user interest in Balipay. In practical terms, the research offers valuable insights for e-wallet service providers like Balipay, enhancing their understanding of user behavior. Service providers are also obliged to prioritize user-related interests, with the aim of increasing interest while building and maintaining a higher level of trust. Therefore, this research was conducted with the aim of providing us with an in-depth understanding of various user behaviors and providing concrete guidance for service providers to face the challenges of a larger and more dynamic market.

The number of international visitors in Tanzania has consistently remained around one million since 2012. The current study aimed to investigate the effects of electronic payment in enhancing financial flow on the performance of tour operators' supply chains, guided by the Technology Acceptance Model. A convergent parallel mixed-method design was employed using a sampling frame comprised of 543 tour operators. A sample of 230 respondents was selected using multi-stage sampling. Primary data were collected using a self-administered structured questionnaire and an interview guide. Quantitative data were analysed using descriptive statistics to compute percentages, means of respondents’ answers, and cross-tabulations. Inferential statistics employing Structural Equation Modeling was applied to test hypotheses through IBM SPSS Amos version 20. Qualitative data were thematically analysed using NVivo version 20. The findings revealed that electronic payment positively and significantly influenced tour operators’ supply chain performance. The results of the Structural Equation Modeling using three indicators namely, perceived security, transaction procedures, and regulatory framework, indicate that electronic payment directly influenced tour operators’ supply chain by increasing sales, Return on Assets, and profit. The study recommends that both the government and tour operators invest in modern electronic payment technologies to influence consumers’ purchase decisions, thereby increasing consumers’ spending. Strategic efforts and collaboration between stakeholders, including government bodies, industry regulators, and tour operators, are essential to create a secure, reliable, and trustworthy environment for the success of e - e-payment systems usage.

This study aims to find out what factors influence customer satisfaction and loyalty in the Shopee marketplace. The variables used in this study are price, product quality, information quality, privacy issues, perceived security, product variety, delivery, customer satisfaction and customer loyalty. The population in this study are marketplace users who have used and shopped at the Shopee marketplace with a sample size of 180 respondents. The data collection technique used a questionnaire, and the data analysis technique used was the SmartPLS 4.0 analysis tool. Based on the research results, of the 15 hypotheses there are 9 hypotheses that are accepted, namely information quality, perceived security, privacy issues, delivery and product variety have a positive effect on customer satisfaction and loyalty. Perceived security, information quality, privacy issues, and product delivery have a positive effect on customer loyalty through customer satisfaction. The contribution to this research resulted in a model for measuring the effectiveness of the Shopee marketplace system that companies can use to develop in the future so as to increase user satisfaction at Shopee.

GoPay is a leader amongst mobile wallet service providers, however the position is threatened by the coming of new players in the market. This research aims to investigate the influence of performance expectancy and the perception of security towards continuance usage intention and satisfaction’s role as the mediator on GoPay users in Banda Aceh. It is conducted by distributed online questionnaires to GoPay users which result in 90 respondents. Partial Least Square-Structural Equation Model (PLS-SEM) was used for data analysis. This study found that performance expectancy and satisfaction affect users’ intention to continue using GoPay. However, no direct influence is found in the relationship between perceived security and users’ willingness to continue using GoPay. This study also found that satisfaction can act as the mediator in the relationship between performance expectancy, perceived security, and intention to continue.

This study aims to identify the condition of each variable, namely perceived ease of use, perceived usefulness, and perceived security, as well as the intention to use Brimo mobile banking. In addition, this study was conducted to analyse and test the impact of perceived ease of use, perceived usefulness, and perceived security on intention to use. This type of research is included in the descriptive research category, which is carried out through the explanatory survey method by distributing questionnaires to 100 Brimo application users in the Jabodetabek area and outside Jabodetabek who have used the Brimo application at least twice. The analytical tool used to process data is variant-based Structural Equation Modelling (SEM) using Smart-PLS. The findings of this study indicate that perceived ease of use, perceived usefulness, and Perceived Security have a positive and significant influence on intention to use. However, the results also show that trust cannot be considered as a mediator between perceived ease of use, perceived usefulness, and perceived security with intention to use [ABSTRACT FROM AUTHOR]

• The study examines the determinants of security perception for female cyclists in Tehran. • A total of 208 women in Tehran participated in a laboratory-like experiment with a two-degree-of-freedom VR-based bicycle simulator. • Informal surveillance and evidence of incivility are the most important factors in increasing perceived security. • The type of built environment is also a noteworthy factor in increasing perceived security. • The study proposes practical solutions for increasing the perception of security for female cyclists, especially for new projects. Security perception significantly affects women's intention to use bikes. This area is under-researched in a context where female cyclists face harassment in a setting of low- or middle-Income countries. This study aims to contribute to understanding the determinants of security perception as a latent construct by establishing the relationship between perceived security, individual attributes, and built environment features. (i) Participants : a total of 208 women in Tehran participated in a laboratory-like experiment (age ranging from 18 to 42 years [M = 28.8 ± 14.15], 63 % with a household having at least one bike, 75 % never use a bike for daily trips, and 67 % are without any experience of harassment and insecurity). (ii) Apparatus : a two-degree-of-freedom VR-based bicycle simulator comprising sixteen scenarios that combine various states of built environment factors is employed. (iii) Procedure : the test consists of several stages. The experiment for each participant took an average of 26 min. The experiments were conducted over 50 days. (iv) Modeling : a structural equation model (SEM) was developed and estimated using the partial least squares technique. Informal surveillance (i.e., people's presence) is the most important determinant of perceived security. The second most important factor is evidence of incivility (trash in the streets, abandoned cars, damaged urban furniture, graffiti, etc.). The third noteworthy factor is the type of built environment, such as obstacles, vegetation, and underpasses. Contrary to expectations and paradoxically, official surveillance by police forces has a minor impact on women's perceived security. It is a phenomenon in theocratic societies, where the government enforces severe legal constraints against women. The least influencing but still statistically significant factor is lighting conditions. Several solutions for increasing the perception of security for female cyclists, especially for new projects, are proposed. We also offered and partially presented the development of a spatiotemporal performance dashboard based on the time-varying perceived security index. [ABSTRACT FROM AUTHOR]

The link between Fear of Crime (FC) and physical environment and crime levels is referred to as Crime Prevention Through Environmental Design (CPTED). However, FC, irrespective of the level of crime through physical environmental features, can hinder people's access to urban parks. This study is a novel attempt to evaluate the Perceived Security (PS) related to fear of (theft, robbery) crime under the CPTED classification by assessing actual users' perceptions of multiple physical environmental variables within and around fifteen Tiruchirappalli urban parks. The objectively measured CPTED variables were documented through observations and measurements by the authors, whereas subjectively measured ones were assessed using actual users' (n=524) perceptions. The results majorly highlight the significance of park design and landscape-based surveillance and park facilities and landscape-based maintenance variables towards predicting PS. The findings from this study can aid policymakers, park designers, and managers in adopting strategies that can enhance the PS of users, prioritise interventions, and engage residents in addressing specific design considerations. [ABSTRACT FROM AUTHOR]

Financial technology or Fintech enables the digitization of financial services to gain competitive advantage and assist users in managing financial activities more effectively. However, the development of Fintech has increased cybercrime activity and raised issues of trust and security among consumers. This study aims to identify the factors that influence consumers' acceptance of online banking services in Malaysia. This study integrates the Unified Theory of Acceptance and Use of Technology (UTAUT) model with trust, and perceived security variables. The level of education is also used as a moderator between intention and the independent variables. Convenience and quota sampling was used and collected 417 responses through a survey. Based on PLS-SEM analysis, the findings of the study show that performance expectations, social influence, and trust have a positive effect on online banking acceptance intentions. Meanwhile, the effects of effort expectancy, system quality, and perceived security are not significant. The level of education as a moderator was also found to influence the relationship between intention and two independent variables (social influence and system quality). This research can help stakeholders to understand consumer behaviour before developing any policies and strategies that can attract consumers to use online banking services. [ABSTRACT FROM AUTHOR]

Copyright of Investigación Administrativa is the property of ESCA Santo Tomas - IPN and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

This study aims to identify the factors influencing the adoption of digital banking in the Nigerian youth market. The research explores the adoption of both mobile and internet banking as part of a single digital banking concept. The research model extends the technology acceptance model (TAM) by further examining the impact of awareness, culture, social norms, perceived trust, perceived security on behavioral intention. The results suggest a strong influence of perceived trust on behavioral intention to adopt digital banking. Perceived ease of use, perceived usefulness, perceived security and perceived risk are key determinants of perceived trust in the Nigerian context. Other factors affecting behavioral intention are awareness and social norms. [ABSTRACT FROM AUTHOR]

This study aimed to explore the growing use of the internet as a commercial sales channel, emphasising the pivotal role of trust in online consumer relationships. This research focused on Saudi e-commerce platforms (e.g. Amazon.sa, Noon, Namshi, and Shein), due to their remarkable growth over previous years, by investigating the effect of consumer trust on online purchase intentions. The study surveyed 449 Saudi online shoppers, using a structural equation model to analyse the factors that determine online trust (perceived information quality, company competency, security,and online consumer reviews) and their influence on consumer online trust and perceived risk. The results revealed significant relationships between consumer online trust and perceived information quality, company competency, and security, challenging expectations regarding the link between online consumer reviews and consumer online trust. Surprisingly, online consumer reviews primarily influenced perceived risk rather than consumer online trust, impacting purchase intention to a limited extent. The research underscores the substantial influence of consumer online trust on perceived risk and purchase intention, offering micro perspectives on online consumer behaviour. By identifying key influences, including information quality and security, this study provides theoretical and managerial insights for e-commerce platforms, guiding the development of responsible online channels. [ABSTRACT FROM AUTHOR]

The purpose of this study is to examine travelers' actual behavior with regard to an online travel purchase by extending the Unified Theory of Acceptance and Use of Technology (UTAUT2) with two new variables, i.e. perceived privacy and perceived security. The study implements a quantitative research design and developed an e-questionnaire. Data was collected from 485 travelers via online platform (Amazon M-Turk). To empirically validate the proposed model and test the inter-relationships between the variables, we performed the SEM analysis on the data. The study findings reveal that facilitating conditions, habit and purchase intention act as significant predictors of travelers' actual behavior toward online travel purchase. The result also shows that perceived privacy does not impact travelers' purchase intention while, experience positively moderates the relationship between purchase intention and actual purchase. This study chooses an under explored area and examines the influence of perceived security and perceived privacy in the context of online travel purchase. Further, this study is the leading scholarly work which examines the moderating role of experience between travelers' purchase intention and actual purchase in tourism context. [ABSTRACT FROM AUTHOR]

With the development of mobile technology, mobile payment services are some of the fastest growing transaction systems in the industry. However, studies of mobile payment systems have focused on retailing settings; few studies have examined them in the service setting. Thus, this research explores the effects of mobile payment system–related characteristics (i.e. perceived ubiquity, perceived security, perceived ease of use, perceived cost) on customers' intentions to use mobile payments in the restaurant setting. An online survey (n = 370⁣) was conducted in the United States. The data are analyzed by partial least squared-structured equation modeling. The study results demonstrate that restaurant customers' intentions to use mobile payment are largely determined by perceived usefulness, trust, and attitude. Among them, perceived usefulness is the most important factor for predicting customers' intentions across different types of mobile payment systems (i.e. mobile proximity payment, mobile peer-to-peer payment, mobile in-app payment). These findings have useful theoretical and practical implications for better understanding customers' mobile payment usage behavior. [ABSTRACT FROM AUTHOR]