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THE ROLE OF PERCEIVED EASE OF USE AND PERCEIVED RISK TOWARDS E-COMMERCE PAYLATER ADOPTION IN INDONESIA
Get PDFThe aim of this study is to examine the effect of Perceived Ease of Use and Perceived Risk as a multi-dimension faceted on Behavioral Intention of Paylater users in e-commerce at Greater Jakarta area in Indonesia. This research applied a quantitative method. The data collection methods used in this research were distributing the questionnaire to e-commerce platforms and paylater users. Behavioral Intention was analyzed by adopting TAM (Technology Acceptance Model) framework and incorporating perceived risk as one of the resistor factors in the model. Based on the results, it was discovered that Perceived Ease of Use significantly affects Behavioral Intention through Perceived Usefulness. The findings also indicate that Perceived Usefulness affects Behavioral Intention and is considered the biggest factor in affecting Behavioral Intention
DO GROSS NATIONAL SAVINGS AND GROSS CAPITAL FORMATION CONTRIBUTE TO OMAN’S ECONOMIC GROWTH? AN EMPIRICAL STUDY
Get PDFThe purpose is to examine the long-term relationship & cointegration among gross domestic product (GDP), gross capital formation (GFC), and gross national savings (GNS) at the current price level in Oman. The study has taken secondary data from the last 10 years (2010–2021). The study design is longitudinal. The studies applied the correlogram test to check whether the series are stationary or not. and also, the Granger causality test to find the direction of the GDP, GFC, and GNS. This study further used the Eagle Granger residual-based cointegration test and DOLS approaches to identify the long-run cointegration between GDP and its independent variable. With the application of the correlogram test, it has been found that GDP and GFC are stationary at their current levels, whereas GNS is stationary at the first difference. The study reported that there is no significant relationship between saving, capital formation, and economic growth at current prices. However, the finding also that there is no long-run cointegration between GDP at current prices and GNS and GFC. As the study is based on the current price which affects nominal GDP, not real GDP. It has been suggested to increase the saving to achieve a constant growth rate
ANALYSIS OF THE POSSIBLE IMPACT OF ROMANIAN AND HUNGARIAN UNIVERSITIES TO ECONOMIC DEVELOPMENT
No full textEconomic development is associated with innovation, which is why the innovation management practices and systems of the universities became essential. This research aimed to benchmark five Romanian and Hungarian universities close to the Romanian-Hungarian border to identify the strengths and weaknesses of the different approaches.The benchmarking included economic data and indicators connected to the innovation of the five biggest universities along the border regions. The analysis was performed using data derived from The Higher Education Word Ranking and Eurostat. For the qualitative part, the web pages of the universities were analyzed.The research found that although the universities on the Hungarian side of the border seem more developed, regional economic development is stronger and more natural on the Romanian side of the border. According to the literature, it is clear that geographical factors play an important role in the development of innovation systems. The closing part of this paper makes an attempt to list the possible causes of the results
Towards a Cyber Resilient Banking System: Effectiveness of Cyber Fraud Risk Management Strategies Adopted by Commercial Banks in Zimbabwe
Get PDFThe advent of digital financial technology left the business community and its clients celebrating convenient ways of online shopping, paying bills and money transfers. However, digital banking technology came with its share of challenges, due to highly digitalised economies in the context of the Fourth Industrial Revolution, cyber fraudsters are increasingly targeting and leveraging on financial market infrastructures. Cyber security of banking institutions and the financial systems across the globe remains a major concern of Central Banks, investors, internal auditors and financial risk managers. The purpose of this research paper was to examine the efficacy of cyber fraud prevention measures used by commercial banks in Zimbabwe. The study also looked into the difficulties encountered in managing cyber-fraud. Results indicate that cyber fraud risk management strategies adopted by Commercial banks are partly effective which indicates existence of opportunities for cyber fraudsters to attacks and get away with it at the expense of clients, banks and the financial system as a whole. Results also indicate that Commercial banks are facing quite a number of challenges which include the following: lack of sophisticated systems, cyber attackers are always ahead, some of the clients do not take awareness messages send to them seriously, some clients share passwords and credit cards and lack of enough education and knowhow of employees. The study therefore concludes that, cyber fraud risk management strategies adopted by Commercial banks are partly effective. Monetary and fiscal authorities need to continue monitoring Commercial banks with regard to implementation of cyber security risk based supervision framework
ANALYSIS BY COHORT OF THE BACCALAUREATE GRADUATES AND HIGHER STUDIES GRADUATES – TERRITORIAL DISPARITIES IN ROMANIA
Get PDFThe present work aims to analyze the dynamics of the higher education graduates by cohort according to the evolution of the number of baccalaureate graduates by region and county. There are gaps between the different areas, in favor of the more developed ones. Apart from the city of Bucharest, counties such as Cluj, Timiș, Brașov, Sibiu, Arad, which attract young people from other areas of the country and because of the better offer of employment upon completion of studies, stand out. The conclusions of this analysis based on the data of the official statistics confirm the existence of disparities in the territorial profile, between the poorer areas of the country and the most developed, being appropriate a coherent policy to favor these areas in granting funds for a higher education accessible to the population
UTAUT 2 (UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY-2) AND TRUST INTEGRATION MODEL TOWARDS BEHAVIORAL INTENTION TO CONTINUE, WILLINGNESS TO RECOMMEND, AND LEVEL OF USE
Get PDFThis research uses the integration model of UTAUT 2 and Trust by testing the constructs of Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Condition, Hedonic Motivation, Habit, Price Value, and Trust as forming Behavioral Intention to Continue and their implications for Willingness to Recommend and Level of Use. Data was collected using a survey method with 102 Permata Mobile X user respondents who actively used Permata Mobile X. The questionnaire was distributed via Google Forms, and the data was processed using the Partial Least Square Structural Equation Model approach with the help of SmartPLS 3.0 software. The results of this research are that Performance Expectancy and Social Influence are proven to affect behavioral intention to continue positively. Furthermore, Behavioral Intention to Continue has been proven to positively affect Willingness to Recommend and Level of Use. Meanwhile, other hypotheses have not shown significant facts. Several managerial implications were explained at the end of the paper
THE INFLUENCE OF E-SERVICE QUALITY ON CONTINUANCE INTENTION MEDIATED BY CUSTOMER TRUST AND CUSTOMER SATISFACTION IN THE USAGE OF MOBILE HEALTH APPLICATION
Get PDFThis study aims to analyze the effect of e-service quality on continuance intention which is mediated by customer trust and customer satisfaction on mobile health applications user. Methods of data collection techniques using non- probability sampling with the purposive sampling method. Data were collected from 280 respondents with the criteria of mobile health application users in Indonesia. Questionnaires were distributed via Google form and consisted of 28 statements which were answered based on five Likert scales. The analytical method used in this study is Structural Equation Model (SEM). The results showed that e-service quality has a positive effect on continuance intention, e- service quality has a positive effect on customer trust, customer trust has a positive effect on continuance intention, and e-service quality has a positive effect on continuance intention mediated by customer trust partially. In addition, customer trust has a positive effect on customer satisfaction. However, electronic service quality does not have a positive effect on customer satisfaction, customer satisfaction also does not have a positive effect on continuance intentions, and customer satisfaction does not have a mediating effect between electronic service quality on continuance intentions. This research is used as evaluation material for mobile health applications to improve e-service quality to shape customer trust and customer satisfaction and gain user continuance intention for using mobile health application
SHARE OF THE POPULATION WITH HIGHER EDUCATION IN BACAU - RANK OF THE COUNTY IN ROMANIA
Get PDFThe present paper starts from the analysis of the degree of education in higher education in Romania in recent years and the highlighting of the gaps between the Member States of the European Union, with an emphasis on the existing imbalances between the different areas of the country. Thus, if the European Commission defined as desirable a "European Education Area" in which by 2030 at least 45% of young people aged between 25 and 34 will have graduated from a university education program, in Romania the latest data indicate a level below 23% and slightly decreasing in recent years, compared to the European average of 41.2%. The last population census from the end of 2021 indicates for the North-East Region a proportion of only 14.6% of the population aged 20 and over who have completed higher education in the total population of this age group, being the last region in the country, but also from the EU. The dynamics between the last two censuses confirm the lowest increase in this indicator for the poorest region, with +21.4% compared to the Romanian average of +25%. Within the region, Bacău county, with an average of 13.2% at the last census, has the lowest dynamics not only in the region but also in the country, with an increase of only 11.1% of this proportion
RECOGNITION OF INTANGIBLE ASSETS, FRAMING THE DEBATE
Get PDFFor some organizations, the rapid pace of economic growth, the digital revolution, and the globalization of business meant creating or acquiring intangible assets. These assets have grown in significance for determining a company\u27s global value and for promoting economic prosperity, while also serving as a catalyst for the creation of added value. In this way, drawing on specialized literature, the article\u27s aim is to pinpoint and compile the primary problems that occur when an economic entity\u27s market value surpasses its accounting value, Additionally, we want to draw attention to the primary connections that exist between intangible assets, market value, and entity performance. In this respect, only those studies that focused on the valuation of intangible assets in relation to various concepts (competitive advantage, firm value, firm performance, innovative processes, corporate governance, etc.) have been selected, all these studies being undertaken at the level of listed or unlisted entities at national level. This study shows that important internally generated intangible assets (goodwill, intellectual capital, brand etc.) are not well understood, identified, managed, or consistently reported within an entity in Romanian annual financial reports
EMPLOYEE UNDERSTANDING OF ARTIFICIAL INTELLIGENCE: A PRELIMINARY STUDY IN INDONESIA FINANCIAL SECTOR INDUSTRY
Get PDFThe emergence of artificial intelligence (AI) in the financial services industry is driven by increased demand for financial regulation, the need for profitability, and competition between companies. Despite the heightened importance of this new technology, there has been a gap in knowledge regarding the use of AI in financial services. This study aims to provide preliminary research to explore the level of understanding of middle level managers in the context of artificial intelligence usage in marketing activities. The sample is 11 managers from banking, fintech and other financial sectors. The findings provide guidance for organizations in terms of usage and knowledge of AI in the sector