Security behaviour of mobile financial service users

2020 ◽  
Vol 28 (5) ◽  
pp. 719-741
Author(s):  
Esther Dzidzah ◽  
Kwame Owusu Kwateng ◽  
Benjamin Kofi Asante
Keyword(s):  
Financial Services ◽  
Structural Equation ◽  
Sampling Technique ◽  
Substantial Effect ◽  
Equation Model ◽  
Sub Saharan Africa ◽  
Content Type ◽  
Avoidance Motivation ◽  
Threat Avoidance ◽  
User Security

Purpose The inception of mobile financial services (MFSs) has positively provoked economic growth and productivity, nonetheless, it has pessimistically caused an upward surge in cybersecurity threat. Customers are progressively becoming conscious of some of the threat and several of them now shun away from some suspicious activities over the internet as a form of protection. This study aims to explore the factors that influence users’ to adopt security behaviour. Design/methodology/approach A synthesis of theories – Self-efficacy and technology threat avoidance theories – was used to examine the security behaviour of users of MFSs. Data was gathered from 530 students in Ghana using convenience sampling technique. Data analysis was carried out using descriptive statistics, inferential statistics and structural equation model. Findings Outcome of the investigation indicate that both mastery experience and verbal persuasion have substantial effect on the avoidance motivation of MFSs users. It was, however, found that emotional state and vicarious experience of users do not influence their avoidance motivation. Also, it was established that avoidance motivation is a positive prognosticator of avoidance behaviour. Practical implications Understanding the security behaviour of MFS users will help the operators to outline strategies to sustain the successes achieved. Originality/value Studies on user security behaviour are rare, especially in sub Saharan Africa, thus, this study will contribute to extant literature by adding a new dimension of user security behaviour.

Relationships among employee acting, customer-perceived service quality, emotional well-being and value co-creation

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Chih-Hsuan Huang ◽  
Yuan-Chen Lin
Keyword(s):  
Service Quality ◽  
Financial Services ◽  
Structural Equation ◽  
Well Being ◽  
Equation Model ◽  
Financial Service ◽  
Content Type ◽  
Perceived Service Quality ◽  
Negative Affects ◽  
Service Paradigm

PurposeHinged on the transformative service paradigm, this study investigates the relationships among employee acting, customer-perceived service quality, customer emotional well-being, and their value co-creation. Feelings of gratitude among customers may moderate the effect of perceived service quality on their emotional well-being (i.e., positive and negative affects).Design/methodology/approachA pair study using a structural equation model was conducted to gather data from a financial service organization in a rural area.FindingsThe results show how customers perceive service quality positively impacts their emotional well-being immediately after receiving a financial service, which in turn affects their value co-creation. Hence, feelings of gratitude moderate the effect of perceived service quality on customer positive affect.Originality/valueThis study responds to calls for more studies on how service interactions influence customer well-being in the financial services context. This study is among the few that examine moderation effects of customer feelings of gratitude on their emotional well-being to explain why a positive emotion might sway their short-term well-being.

The application of the theory of reasoned action on services of Islamic rural banks in Indonesia

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Ihsan Effendi ◽  
Miftahuddin Murad ◽  
Ahmad Rafiki ◽  
Mitra Musika Lubis
Keyword(s):  
Structural Equation ◽  
Theory Of Reasoned Action ◽  
Reasoned Action ◽  
Public Awareness ◽  
Sampling Technique ◽  
Equation Model ◽  
Subjective Norms ◽  
Product Knowledge ◽  
Content Type ◽  
Use Of Services

Purpose The Islamic rural banks have the potential to grow in Indonesia. It is important to learn and study the consumer behaviors toward the Islamic rural banks’ services to plan for future strategies. The purpose of this paper is to test the applicability of the theory of reasoned action in predicting the customers’ decision to use the Islamic rural banks’ services. Design/methodology/approach The descriptive and structural equation model analyses were used to analyze the data. A random sampling technique is adopted with a sample size of 180 consumers of the Islamic rural banks. There are variables to be tested such as Sharia system compliance, product knowledge on Sharia, promotion, services, attitude, subjective norms, intention and customer decisions to use the Islamic rural banks’ services. Findings The results found that the Sharia system compliance, promotion, services, attitude, subjective norms and intention variables have a significant effect on the use of services at Islamic rural banks. Only product knowledge on Sharia variable has been found to be insignificant. Originality/value The model can be used to prepare better strategies to attract more customers as well as increase public awareness toward Islamic rural banks’ products and services. The results are useful as a benchmark for policymakers to improve the establishment of Islamic rural banks particularly in Indonesia.

The effect of maintenance operation, time utility and occupancy to sustainability with transit oriented development moderation

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Makjen Sinaga ◽  
Suharyono Suharyono ◽  
Muhammad Al Musadieq ◽  
Mohammad Iqbal
Keyword(s):  
Structural Equation ◽  
Quantitative Research ◽  
Operation Time ◽  
Sampling Technique ◽  
Equation Model ◽  
Primary Data ◽  
Transit Oriented Development ◽  
Content Type ◽  
The Board Of Directors ◽  
The Relationship

PurposeThis study aims to test and analyze the effect of maintenance operation, time utility and occupancy on sustainability with transit oriented development (TOD) as a moderating variable.Design/methodology/approachThis research is a quantitative research. The data in this study are a combination of primary data obtained through a questionnaire. The research took place at PT MRT Jakarta with all the board of directors as a sample in this study. The sampling technique used is saturated sampling and data analysis using structural equation model (SEM).FindingsThe result shows that maintenance and operation (M&O) have a positive and significant effect on time utility, M&O have a positive and significant effect on sustainability, time utility has a positive and significant effect on occupancy, occupancy has a positive and significant effect on sustainability and the influence of TOD does not significantly influence the relationship between time utility on occupancy and occupancy on sustainability.Originality/valueThe originality of this research lies in testing the maintenance operation, time utility and occupancy variables on sustainability with the renewal of TOD as a moderating variable.

A model of cultural intelligence and global identity

2020 ◽  
Vol 37 (7) ◽  
pp. 821-832
Author(s):  
Arilova Randrianasolo ◽  
Alexey Semenov ◽  
Mark Arnold ◽  
Kristy Reynolds
Keyword(s):  
Structural Equation ◽  
Cultural Intelligence ◽  
Sampling Technique ◽  
Equation Model ◽  
Snowball Sampling ◽  
Global Identity ◽  
Content Type ◽  
Foreign Products ◽  
Willingness To Buy ◽  
The Usa

Purpose This paper aims to propose an original model of cultural intelligence (CQ), global identity and consumer willingness to buy foreign products. Previous research has discussed the relationships between CQ and global identity but only in the context of multi-cultural management teams. The research presented here proposes a model that is applicable to consumer marketing. Design/methodology/approach Online surveys are used to collect data from the USA with a snowball sampling technique and from the UK with panel data. A structural equation model (SEM) is estimated in analysis of moment structures 25 and Hayes bootstrap mediation tests are used to test the hypotheses. Findings The SEM results show that global identity influences motivational CQ, motivational CQ influences cognitive, metacognitive and behavioral CQ and cognitive and behavioral CQ influence consumer willingness to buy foreign products. Results from Hayes Bootstrap mediation tests show that motivational CQ mediates the relationships between global identity and the other three CQ dimensions. Practical implications The findings imply that firms can gauge and enhance consumer CQ levels by investigating or influencing levels of global identity; managers can influence or gauge consumer metacognitive, cognitive and behavioral CQ through motivational CQ; and managers can target consumers with high cognitive and behavioral CQ levels when marketing foreign products. Originality/value This paper not only provides a deeper understanding of the relationships between global identity and cultural intelligence but also incorporates CQ in a consumer context. Previous research has only discussed CQ in the context of managers.

Knowledge, attitudes and practices towards the spread of COVID-19: a health counseling initiative among potential entrepreneurs of FUUAST

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Bahadur Ali Soomro ◽  
Ghulam Rasool Lakhan ◽  
Naimatullah Shah
Keyword(s):  
Structural Equation ◽  
Online Survey ◽  
Sampling Technique ◽  
Equation Model ◽  
Positive Role ◽  
Cross Sectional ◽  
Content Type ◽  
Health Counseling ◽  
Attitudes And Practices ◽  
At Home

PurposeThe present study examines the knowledge, attitude and practice towards the reduction of COVID-19 spread among entrepreneurs of the Federal Urdu University of Arts, Sciences and Technology (FUUAST), Karachi Pakistan.Design/methodology/approachThe authors employed cross-sectional data to infer the results. The data are collected through an online survey questionnaire. To target the respondents; a convenience sampling technique is adopted. In total, 222 usable answers proceed with final results. The structural equation model (SEM) is applied for the data analysis.FindingsThe study outcomes found a significant and positive role of knowledge about COVID-19, attitudes towards a stay at home and practices against COVID-19 in reducing the spread of the pandemic.Practical implicationsThe study provides coherent knowledge about the factors that fight against the pandemic's further spread. The findings would provide the guidelines to policymakers to think about such factors and boost them enormously. Further, the results would contribute to the literature of COVID-19.Originality/valueThis study is original, which empirically confirmed the effect of knowledge about COVID-19, attitudes towards a stay at home and practices against COVID-19 in an academic institute.

Consumer intentions, reactance and the marketing implications of policy induced mergers and acquisitions in financial services

2022 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Kobby Mensah ◽  
Nnamdi O. Madichie ◽  
Gilbert Kofi Mensah ◽  
Gideon Awini
Keyword(s):  
Public Policy ◽  
Mergers And Acquisitions ◽  
Financial Services ◽  
Structural Equation ◽  
Quantitative Research ◽  
Public Discourse ◽  
Sampling Technique ◽  
Marketing Communications ◽  
Research Approach ◽  
Content Type

PurposeThe purpose of this study is to establish, drawing upon the indirect effects of customer reactance from an emerging economy perspective, the marketing implications of policy induced Mergers and Acquisitions (M&A) in Financial Services.Design/methodology/approachThe study employed a quantitative research approach, relying on data from 517 customers of M&A banks in Ghana. Purposive sampling technique was used in selecting respondents for the study. Hypotheses were tested using a structural equation modelling.FindingsA positive and significant relationship between immersive marketing communication and consumer intention is revealed in the study. The presence of consumer reactance highly influenced the relationship. As a public policy tool, forced mergers and acquisitions was found to increase customer reactance. However, when customers are frequently engaged with relevant and consistent marketing communications through appropriate channels, such reactance would only be partial.Research limitations/implicationsAlthough some of the information were collected, they were not the main focus of our analysis. We acknowledge, from the sample demographics perspective, the study did not consider certain other confounding factors that could influence customers' decisions to remain or switch such as customers' level of banking, type of account, income level, banking experiences in relation to service fees, online banking etc., as these could also potentially influence customers' reactance. Perhaps these may have to be considered in future studies.Social implicationsWhen timely and relevant marketing communications are targeted at the customers who are directly impacted by the M&A process, they would experience reactance, but only partially. This has a range of marketing implications for policy-induced M&A and its impact on consumer intention, reactance and attitudes towards the new entity.Originality/valueThe marketing of financial services literature has been silent on the implications of M&A from a policy induced perspective. This study, therefore, contributes to theory by highlighting that the “destruction” of brand value of the affected firms is relatively high in a policy induced M&A and thus increases the level of customer reactance. This is because a regulator enforced M&A, as public policy, usually generates high public interest and public discourse, leading to a heightened customer reactance. However, when immersive marketing communications are targeted at the customers directly impacted by the M&A, they would experience reactance, but only partially.

A transformative perspective of financial services for the unbanked

2019 ◽  
Vol 34 (2) ◽  
pp. 193-205
Author(s):  
Juan Bustamante ◽  
Adriana Amaya
Keyword(s):  
Financial Services ◽  
Structural Equation ◽  
Likelihood Estimation ◽  
Well Being ◽  
Equation Model ◽  
Customer Participation ◽  
Estimation Model ◽  
Content Type ◽  
Positive Effects ◽  
Major Factors

Purpose This paper aims to examine the factors that affect financial services design of and their effect on the improvement of the unbanked customer well-being. Design/methodology/approach The authors use a path analysis to examine customer well-being integration in the activities of service organizations. The theoretical estimation model was conducted using a structural equation model with maximum likelihood estimation. To build a more robust model that explains customer well-being, direct and indirect effects are used in the estimation of the research model. Findings Perceived customer support and interaction with the storekeeper are two major factors that, positively, influence trust and customer participation (CP). In addition, CP plays a key role in enhancing financial empowerment and thereby in the production of greater customer well-being. Originality/value This study sheds light on the positive effects that the design of services has on customer well-being and exposes the underlying mechanisms that contribute to customer well-being through CP. It also provides a unique financial service format and specific strategies for managing trust and CP to enhance individual well-being in the unbanked population in a developing country.

The Buginese entrepreneurs; the influence of local values, motivation and entrepreneurial traits on business performance

2019 ◽  
Vol 13 (4) ◽  
pp. 438-454 ◽  
Author(s):  
Muhammad Tamar ◽  
Hillman Wirawan ◽  
Elvita Bellani
Keyword(s):  
Structural Equation ◽  
Business Performance ◽  
Sampling Technique ◽  
Equation Model ◽  
Cultural Value ◽  
Local Culture ◽  
Value Functions ◽  
Value System ◽  
Content Type

Purpose This study aims to investigate the role of Buginese cultural value system (BCVS), motivational values type (MVT) and entrepreneurial traits (ET) on business performance (BP). The study investigated the role of each variable in predicting BP among Buginese entrepreneurs. Design/methodology/approach The study was conducted in South Sulawesi, in small and medium scale enterprises with a focus on Buginese entrepreneurs. Random sampling technique was used along with some inclusion criteria. Based on those criteria, the questionnaires were administered to 300 participants with 70 per cent valid responses (180 males, 30 females). The study used well-constructed measures (i.e. BCVS, MVT, ET and BP) by following a guideline of adapting and developing instruments. The data were analyzed using structural equation model technique to examine the proposed theoretical model. Findings The results showed that the hypothesized model fitted the empirical data. The MVT and ET-mediated the effect of BCVS on BP or BCVS indirectly influenced BP. In brief, this research successfully showed that local cultural value system (BCVS) had a significant effect on the performance of Buginese entrepreneurs through the mediating role of MTV and ET, which means that local cultural value functions as a predictor of the performance of Buginese entrepreneurs. Originality/value A number of previous studies have investigated the significant role of local culture in predicting business and entrepreneurship performance. This study focused on local values and considering some advanced theories in both entrepreneurship and psychology. As a result, this study provided a new perspective in understanding local culture as an antecedent to entrepreneurship performance.

Mediation effects of service features on rapport–dependency link in emerging market

2019 ◽  
Vol 29 (5/6) ◽  
pp. 639-660 ◽  
Author(s):  
Johra Kayeser Fatima ◽  
Rita di Mascio ◽  
Raechel Johns ◽  
Ali Quazi
Keyword(s):  
Service Quality ◽  
Financial Services ◽  
Structural Equation ◽  
Emerging Market ◽  
Sampling Technique ◽  
Relative Significance ◽  
Mediation Effects ◽  
Content Type ◽  
Moderation Effect ◽  
Quality Features

Purpose The purpose of this paper is to explore the mediation impacts of core, relational and tangible service-quality features on the relationship between customer–frontline employee rapport and customer dependency in an emerging market context. The study examines the moderating effects of relationship age and frequency of customers’ physical visits. Design/methodology/approach Partial least squares-based structural equation modelling was used to analyse data from a survey of 290 financial services customers in Dhaka, Bangladesh using the convenience sampling technique. Findings Results show that relational service-quality features had the largest mediation impact on the rapport–dependency relationship, followed by core and tangible service-quality features. Relationship age was not found to be a significant moderator for any relationship. However, the moderation effect of the frequency of customers’ physical visits to the service premises was significant, but only for the link between relational service-quality features and customer dependency and not for the other two types of service-quality features. Research limitations/implications Data collected from several other emerging markets would provide more rigorous findings: this is recommended as an avenue for further research. Practical implications Practitioners can manipulate specific relational or tangible service-quality features to increase customer dependency on their firms, thus ensuring longer-term customer retention. Originality/value This study is the first one to examine the relative significance of the impacts of relational features vs tangible features of services on customer dependency in the emerging market context, with rapport serving as an antecedent.

The nexus between the increasing involvement of youth in betting games and unemployment: the Nigerian perspective

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Gbemi Oladipo Olaore ◽  
Bimbo Onaolapo Adejare ◽  
Ekpenyong Ekpenyong Udofia
Keyword(s):  
Structural Equation ◽  
Family Income ◽  
Equation Model ◽  
Content Type ◽  
Global Industry ◽  
Youth Involvement ◽  
Technology Advancement ◽  
Confirmatory Factor ◽  
The Government ◽  
Practical Implications

Purpose Betting games have become a global industry worth billions of dollars providing employment to millions and contributing to the gross domestic product (GDP) of several countries. While there are debates and controversies surrounding betting games discourse, a growing body of literature shows that it has been exacerbated by growing unemployment rates. This paper aims to examine the nexus between the increasing involvement of youth in betting games and unemployment from the Nigerian perspective. Design/methodology/approach The study adopts simple random and stratified sampling techniques to select participants for the study. Three hypotheses were tested for this study and confirmatory factor analysis (CFA) and structural equation model (SEM) was used to test the hypotheses. Findings The three hypotheses tested in this study were coined from previous literature. The study established a direct link between technology advancement, promises of winning big coupled with bonuses while unemployment was not significant to youth involvement in betting games. The study also showed that playing betting games provides another source of income to the youth, who are already engaged in one form of work or another. Finally, youth involvement in betting games has created awareness regarding different sports in the world, while contributing to Nigeria’s economy. Practical implications As betting games centre as a business in Nigeria has contributed substantially and positively to unemployment in Nigeria; the Government of Nigeria are encouraged to streamline and regulate the activities of the sector such that they can contribute significantly to the country GDP and provide employment opportunities to the youths. Originality/value The research shows that the reason why betting games have a massive turnaround of youths in Nigeria is not majorly because of unemployment but as another means to a substantial financial individual/family income. Thus, Nigerian youths see betting games as an avenue to make more money. The study is the first of its kind to examine the nexus between betting games, technology and unemployment hence, its contribution to knowledge.

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