1,720,984 research outputs found
Modelo de confianza del consumidor para la banca móvil
No full text[EN] The technological innovations experienced in the past decades, together with the revolution of the Internet have changed the banking industry and the way customers perform their banking transactions.
With the integration of mobile devices in our everyday life, Mobile Banking (MB) seems to be the next logical step in the evolution of the banking industry. However, MB adoption is still relatively low. Why is this happening? What is stopping customers from using mobile devices to conduct their banking transactions?
Lack of trust has been identified as one of the main barriers in the adoption of Internet related technologies. This Thesis Project aims to explore the role of trust and identify which trust determinants are inhibiting customer acceptance of MB in order to support banks to efficiently shape their marketing strategies. A final comparison with Internet banking literature has been conducted in order to identify possible differences and give a fuller understanding of how different customers should be addressed differently.
The theoretical model tested in the present dissertation is an extension of the Technology Acceptance Model (TAM), a widely used model to study user adoption of ITs. The model was extended to include trust and its determinants, with the inclusion of Technological Trust, Perceived Security and Awareness.
The results show that Trust plays a major role in the adoption of Mobile banking. The main trust determinants affecting customer adoption are Technological Trust and Perceived Security.[ES] Los avances tecnológicos experimentados en las últimas décadas junto con la revolución que ha supuesto la aparición de Internet, han cambiado el sector bancario y la forma en que los clientes llevan a cabo sus transacciones.
Con la integración de los dispositivos móviles en nuestro día a día, la banca móvil es considerada el próximo paso en la evolución de la industria bancaria. Esto supone una serie de retos y oportunidades que no deben pasar desapercibidos. Los bancos deberían así concentrar sus esfuerzos en:
- Retener a los clientes actuales incitándoles a utilizar los nuevos canales de distribución.
- Convertir a los usuarios de teléfonos móviles al uso del nuevo concepto de banca.
Para ello, el sector debe ser conocedor de qué factores afectan al comportamiento de los consumidores. La falta de confianza ha sido identificada como la principal barrera en la utilización de canales virtuales como la banca electrónica.
Con todo lo anterior, los objetivos planteados para la realización de este proyecto fueron:
- Definir el rol de la confianza del consumidor en la banca móvil
- Identificar los principales factores que afectan a la confianza
- Comparar los resultados obtenidos con los de la banca a través de Internet
- Determinar futuras estrategias para el sector bancario que ayuden a impulsar la confianza del consumidor
Para la consecución de dichos objetivos, se llevaron a cabo los siguientes pasos:
1. Construcción del modelo y definición de hipótesis:
Diversos modelos teóricos han sido ampliamente utilizados en la literatura para analizar la confianza del consumidor. En este trabajo, se ha tomado como base el modelo TAM (Technology Acceptance Model) utilizado para identificar las variables que afectan a la adopción de tecnologías, y se ha extendido para incluir los principales factores que determinan la confianza del consumidor.
2. Desarrollo de las encuestas:
Para poder proceder a la estimación de las variables latentes del modelo, se diseñó una encuesta que permitiera recopilar la información necesaria sobre las variables observables. Los ítems utilizados para la elaboración del cuestionario fueron extraídos de otros estudios de investigación, y adaptados al contexto de la banca móvil.
3. Recopilación de datos:
Un cuestionario on-line fue habilitado para la recogida de datos. El link fue enviado a estudiantes y profesorado de la Universidad de Cranfield, y publicado en listas de mailing relacionadas con tecnologías, Investigación y análisis del consumidor. Finalmente, se recibió un total de 81 respuestas.
Los resultados obtenidos a través del análisis de ecuaciones estructurales muestran que en el contexto de este estudio, la confianza es el principal determinante para la adopción de la banca móvil por parte de los consumidores. Llama la atención la poca correlación entre la facilidad de uso percibida por parte del consumidor y la adopción de la banca móvil. Esto podría deberse a la composición de la muestra utilizada para este estudio, ya que se trata de perfiles de entre 20 y 30 años, de los cuales el 92% ya utilizan la banca a través de internet, por lo que la facilidad de uso es algo que dan por sentado.
Finalmente, la confianza en la tecnología resultó ser el determinante más influyente en la confianza del consumidor. La percepción de seguridad del consumidor también mostró una alta correlación con el indicador de confianza.Roca Puchades, LR. (2014). CUSTOMER TRUST MODEL FOR MOBILE BANKING. https://riunet.upv.es/handle/10251/38195.Archivo delegad
Inter-organisational costing approaches: the inhibiting factors
Get PDFPurpose - The purpose of this paper is to highlight the limitations of current
accounting practices in an inter-organisational context; introduce contemporary
costing approaches used in inter-organisational costing (IOC) programmes; and
identify the inhibitors of successful implementation of IOC programmes. Design/
methodology/approach - The paper uses a structured review of empirical and
theoretical literature. Findings - Traditional accounting practices do not
adequately fulfil their role in the inter-organisational context. Contemporary
accounting practices overcome only some limitations of traditional accounting
practices. The paper uncovers part of the complexity surrounding the
implementation of IOC programmes and suggests that we are dealing with a broad
inter-disciplinary phenomenon. Research limitations/implications - Conclusions
are drawn on a conceptual level and further empirical investigation is
encouraged. Practical implications - The paper raises the awareness of the
complexity surrounding the implementation of IOC programmes. The broad set of
inhibiting factors could be effectively used by managers to assess the readiness
of organisations involved in implementation of IOC programmes. Originality/value
- This research is the first that systematically addresses the problem of
inhibitors in the implementation of IOC programmes. The broad scope of the paper
sets the foundations for more focused research into specific inhibiting factors
The development of knowledge-shelf to enable an effective set-based concurrent engineering application.
Get PDFThis research thesis presents the development of the Knowledge-Shelf (K-Shelf),
a novel knowledge environment concept to support designers throughout Set-
Based Concurrent Engineering (SBCE) application. The K-Shelf concept
introduces a baseline model to understand the dimensions of knowledge
environment in SBCE application as well as its synthetisation with acclaimed
SBCE process model as the contribution to knowledge. The K-Shelf concept
incorporates three steps of Knowledge Life Cycle (KLC) that comprises of
knowledge capture, knowledge representation and knowledge provision. The K-
Shelf concept also has three capabilities that supports the set of conceptual
design generation, dynamic knowledge capture of design rationale with 5 Whys
approach and the comparisons among set of design solutions with Trade-Off
Curve (TOC) visualisation. To demonstrate these capabilities, a web-based
software is developed based on Rapid Application Development (RAD)
approach.
Rigorous research methodology is employed to develop the K-Shelf concept. A
systematic literature review is applied to capture the current approaches of
knowledge environment in SBCE application. Two industrial case studies of
Surface Jet Pump (SJP) and Brake Pedal Box (BPB) are presented to validate
the K-Shelf concept. Furthermore, two expert judgements were also obtained.
Thus, it was established that the K-Shelf is a knowledge environment to enable
an effective SBCE application.PhD in Manufacturin
Going Beyond Counting First Authors in Author Co-citation Analysis
Get PDFThe present study examines one of the fundamental aspects of author co-citation analysis (ACA) - the way co-citation
counts are defined. Co-citation counting provides the data on which all subsequent statistical analyses and mappings
are based, and we compare ACA results based on two different types of co-citation counting - the traditional type that
only counts the first one among a cited work's authors on the one hand and a non-traditional type that takes into
account the first 5 authors of a cited work on the other hand. Results indicate that the picture produced through this non-traditional author co-citation counting contains more coherent author groups and is therefore considerably clearer. However, this picture represents fewer specialties in the research field being studied than that produced through the traditional first-author co-citation counting when the same number of top-ranked authors is selected and analyzed. Reasons for these effects are discussed
Variations on the Author
Get PDF“Variations on the Author” discusses two of Eduardo Coutinho’s recent films (Um Dia na Vida, from 2010, and Últimas Conversas, posthumously released in 2015) and their contribution to the general question of documentary authorship. The director’s filmography is characterized by a consistent yet self-effacing form of authorial self-inscription: Coutinho often features as an interviewer that rather than express opinions propels discourses; an interviewer that is good at listening. This mode of self-inscription characterizes him as an author who is not expressive but who is nonetheless markedly present on the screen. In Um Dia na Vida, however, Coutinho is completely absent form the image, while Últimas Conversas, on the contrary, includes a confessional prologue that moves the director from the margins to the center of his films. This article examines the ways in which these works stand out in the filmography of a director who offers new insights into the notion of cinematic authorship
Appropriate Similarity Measures for Author Cocitation Analysis
Get PDFWe provide a number of new insights into the methodological discussion about author cocitation analysis. We first argue that the use of the Pearson correlation for measuring the similarity between authors’ cocitation profiles is not very satisfactory. We then discuss what kind of similarity measures may be used as an alternative to the Pearson correlation. We consider three similarity measures in particular. One is the well-known cosine. The other two similarity measures have not been used before in the bibliometric literature. Finally, we show by means of an example that our findings have a high practical relevance.information science;Pearson correlation;cosine;similarity measure;author cocitation analysis
Process Model for Diverse Stakeholdes Goals” http://www.ibissoft.se/gbpm02/FinalVersions/People.pdf
No full textProjects to model business process are initiated for a variety of reasons. Some organisations initiate process modelling to solve particular problems. Other organisations make process modelling as part of their continuous improvement programme. The ISO9000:2000 standard for quality management effectively mandates a process management approach for any organisations that seek the certification. Any modelling is an abstraction of the real world. Business process modelling is the abstraction of the organisation of activities in an organisation. Abstractions are influenced by the viewpoint of the modeller. The success of the modelling project is judged by how well the model satisfies the objectives of the modelling. From a business perspective, performance management provides the mechanism to set targets(key performance indicators, KPIs) for the different departments and individuals. Integrated approach to apply performance measures on business processes has been successfully applied in some organisations. An effective performance measurement system starts from the mission and vision of the organisation and designs the KPIs for each unit or process from this overall corporate goal. As a means to steer the organisation, the goal and the KPIs have to be changed to respond to the business environment. The theory of business strategy provides many approaches to help senior management to analys
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