The Propensity to Use FinTech: Input from Bankers in the Kingdom of Bahrain

2020 ◽  
Vol 19 (01) ◽  
pp. 2040025 ◽  
Author(s):  
Anjum Razzaque ◽  
Richard Thomas Cummings ◽  
Magdalena Karolak ◽  
Allam Hamdan
Keyword(s):  
Data Analysis ◽  
Middle East ◽  
Conceptual Model ◽  
Multiple Regression ◽  
Perceived Risk ◽  
Financial Risk ◽  
Reliability And Validity ◽  
Survey Instrument ◽  
Perceived Benefits ◽  
Perceived Benefit

This study aims to assess why users are willing/hesitant to continue using FinTech services based on their perceived benefits and risks pertaining to the use of FinTech technology. Data was collected, using an adopted survey instrument, from bankers based in Bahrain, the financial and FinTech hub of the Middle East. Data analysis was applied to assess the reliability and validity of this study’s conceptual model along with its nine hypotheses with 374 valid responses subsequently being analysed using multiple regression via SPSS version 23. The empirical findings of this study supported all the hypotheses, revealing that both perceived benefit and risks affect the intent to continue using FinTech. Perceived benefit has a stronger effect than the perceived risk, and convenience perceived most beneficial while financial risk perceived riskiest for using FinTech technology by the bankers of Bahrain.

scholarly journals Pengaruh Creative Tourist Experience, Travel Motivation dan Perceived Risk Terhadap Revisit Intention Pada Wisata Edukasi Secara Virtual

2021 ◽  
Vol 3 (3) ◽  
pp. 186-194
Author(s):  
Novyta Putri Mayasari ◽  
Yessy Artanti
Keyword(s):  
Data Analysis ◽  
Multiple Regression ◽  
Perceived Risk ◽  
Sampling Method ◽  
Probability Sampling ◽  
Travel Motivation ◽  
Revisit Intention ◽  
Analysis Technique ◽  
Tourist Experience ◽  
Tourism Potential

Abstract – The development of the progress of tourism potential is currently increasing with the emergence of tourist changes in attracting tourist. Tourism managers are required to be able to provide tourist comfort to maintain the popularity of tourism even during a pandemic. Some tourism managers during the pandemic offer virtual educational tours. This study aims to analyze the effect of creative tourist experience, travel motivation and perceived risk on revisit intention. This research uses non probability sampling and judgmental sampling method to target respondents. The respondent is someone who was visited the Surabaya Zoo virtually during the Covid-19 pandemic, with a vulnerable age of 13-50 years as many as 200 respondents. The data analysis technique used multiple regression. The results of this study indicate that creative tourist experience and travel motivation have significant effect on revisit intention. Meanwhile, perceived risk has no significant effect on revisit intention.  Abstrak – Perkembangan kemajuan potensi pariwisata saat ini terus meningkat dengan munculnya perubahan-perubahan wisata dalam menarik perhatian wisatawan. Pengelola wisata dituntut dapat memberikan kenyamanan wisatawan untuk mempertahankan popularitas wisata bahkan ketika pada masa pandemi. Beberapa pengelola wisata dimasa pandemi menawarkan wisata edukasi secara virtual. Penelitian ini bertujuan untuk menganalisis pengaruh creative tourist experience, travel motivation dan perceived risk terhadap revisit intention pada wisata edukasi secara virtual. Penelitian ini menggunakan non probability sampling dengan judgment sampling. Responden adalah seseorang yang telah mengunjungi Kebun Binatang Surabaya secara virtual di masa pandemi Covid-19, dengan rentan usia 13-50 tahun sebanyak 200 responden. Teknik analisis data menggunakan regresi berganda. Hasil penelitian ini menunjukkan bahwa creative tourist experience dan travel motivation berpengaruh signifikan terhadap revisit intention. Sedangkan perceived risk tidak berpengaruh signifikan terhadap revisit intention.

PENGARUH PROFITABILITAS, RISIKO KEUANGAN DAN PRICE EARNING RATIO (PER) TERHADAP PERATAAN LABA (INCOME SMOOTHING) PADA INDUSTRI PERKEBUNAN YANG LISTING DI BURSA EFEK INDONESIA

2016 ◽  
Vol 4 (1) ◽  
Author(s):  
Dhistianti Mei Rahmawantari
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Multiple Regression Analysis ◽  
Multiple Regression ◽  
Financial Risk ◽  
Secondary Data ◽  
Positive Influence ◽  
Income Smoothing ◽  
Plantation Company ◽  
Observation Period

This study aimed to investigate the effect of profitability, financial risk and PER on smoothing earnings (Income Smoothing) on Plantation Industries. The data used is secondary data. The number of companies in this study were four plantation company, PT Astra Agro Lestari Tbk (AALI), Gozco Plantations Tbk (GZCO), PT London Sumatra Indonesia Tbk (LSIP), PT Sinar Mas Agro Resources and Techlology, Tbk (SMAR) , with the observation period during the years 2008 to 2014. Methods of data analysis using multiple regression analysis. The findings in this study indicate that profitability, financial risk, and PER simultaneously have a positive and significant impact on the practice of income smoothing (income smoothing). Profitability is partially has a positive and significant impact on the practice of income smoothing (income smoothing). Financial risk partially has a positive and significant impact on the practice of income smoothing (income smoothing). PER partially have a positive influence and significance of the practice of income smoothing (income smoothing).

An empirical analysis of rural farmers’ financing intention of inclusive finance in China

2019 ◽  
Vol 119 (7) ◽  
pp. 1535-1563 ◽  
Author(s):  
Gulizhaer Aisaiti ◽  
Luhao Liu ◽  
Jiaping Xie ◽  
Jun Yang
Keyword(s):  
Conceptual Model ◽  
Rural Areas ◽  
Financial Services ◽  
Perceived Risk ◽  
Social Enterprise ◽  
Risk Perceptions ◽  
Perceived Benefits ◽  
Content Type ◽  
Perceived Risks ◽  
Rural Farmers

Purpose The purpose of this paper is to investigate and understand China’s rural farmers’ financing intention of inclusive finance, and it examines related drivers like knowledge of inclusive finance, perceived benefits and perceived risks of ordering finance. Besides, the social enterprise embeddedness and digital finance are integrated into the conceptual model to further investigate their moderating impact. Design/methodology/approach The authors designed an inclusive finance intention model to examine the relations between dependent variable knowledge of inclusive finance, intermediary variables perceived benefits and perceived risks of ordering finance and the independent variable financing intention of inclusive finance. The embeddedness of social enterprise and digital finance were identified as modifying factors. Both exploratory and conclusive research strategies were applied. A structured questionnaire was developed to collect empirical data from the rural areas of China. Findings It suggests that knowledge of inclusive finance can strengthen both perceived benefits and perceived risk of ordering finance. Interestingly, the embeddness of social enterprise can significantly reduce risk perceptions and improve perceived benefits of ordering finance. Furthermore, perceived benefits of ordering finance can positively enhance rural farmers’ financing intention of inclusive finance, whereas perceived risks can negatively influence the financing intention. Moreover, digital finance as a modifying factor can significantly strengthen the positive correlation between perceived benefits of ordering finance and financing intention of inclusive finance. Practical implications The research indicates that a systematic inclusive finance educational project is needed to enhance rural farmers’ understanding of inclusive finance and its components. Moreover, the study reveals that it is crucial to promote social enterprise participation and digital finance to develop inclusive finance in rural China, as the service attributes of social enterprise and efficiency of digital finance can greatly reduce the existing transaction cost of farmers. Originality/value The conceptual model would potentially contribute to researchers interested in investigating the financing intention of inclusive financial services relating to rural population. The integration of social enterprise embeddedness and digital finance is the uniqueness of this research conceptual model.

scholarly journals The Mobile Payment Fintech Continuance Usage Intention in Indonesia

2019 ◽  
Vol 15 (2) ◽  
pp. 243-258 ◽  
Author(s):  
Afrida Putritama
Keyword(s):  
Perceived Risk ◽  
Mixed Methods Research ◽  
Financial Risk ◽  
Positive Impact ◽  
Mobile Payment ◽  
Structured Interviews ◽  
Sequential Mixed Methods ◽  
Perceived Benefit ◽  
Continuance Usage ◽  
Continuance Usage Intention

Abstract: This research aimed to determine both positive and negative factors influencing the continuance usage intention of mobile payment FinTech in Indonesia. This research used an exploratory sequential mixed methods research design with a questionnaire as the first research instrument followed by semi-structured interviews. This research found that both the perceived benefit and perceived risk significantly influenced the mobile payment FinTech continuance usage intention in Indonesia but, the perceived benefit had a stronger impact than the perceived risk. Convenience had the most substantial positive impact on the perceived benefit, which later increased the mobile payment FinTech continuance usage intention. Financial risk had the strongest influence on the perceived risk, which later reduces the mobile payment FinTech continuance usage intention. Keywords: mobile payment FinTech, continuance usage intention, Indonesian consumerNiat Penggunaan Berkelanjutan dari Pembayaran Seluler Fintech di Indonesia Abstrak: Tujuan dari penelitian ini adalah untuk menentukan faktor-faktor positif dan negatif yang mempengaruhi niat penggunaan berkelanjutan dari pembayaran seluler FinTech di Indonesia. Penelitian ini menggunakan desain penelitian metode campuran sekuensial eksploratori dengan kuesioner sebagai instrumen penelitian pertama diikuti oleh wawancara semi-terstruktur. Penelitian ini menemukan bahwa baik manfaat yang dirasakan maupun risiko yang dirasakan secara signifikan mempengaruhi kelanjutan penggunaan pembayaran seluler FinTech di Indonesia tetapi manfaat yang dirasakan memiliki dampak yang lebih kuat daripada risiko yang dirasakan. Kenyamanan memiliki dampak positif yang paling kuat pada manfaat yang dirasakan, yang kemudian meningkatkan niat kelanjutan penggunaan pembayaran seluler FinTech. Risiko keuangan memiliki pengaruh paling kuat pada risiko yang dirasakan, yang kemudian mengurangi niat kelanjutan penggunaan pembayaran seluler FinTech. Kata kunci: mobile payment FinTech, niat kelanjutan penggunaan, konsumen Indonesia

scholarly journals FAKTOR YANG BERPENGARUH TERHADAP KEPATUHAN PASIEN HIPERTENSI DALAM PENGGUNAAN OBAT ANTIHIPERTENSI DENGAN PENDEKATAN TEORI HEALTH BELIEF MODEL DI PUSKESMAS PANDANWANGI MALANG

2019 ◽  
Vol 4 (1) ◽  
Author(s):  
Ika Ratna Hidayati ◽  
Cikita Putri Taji Aprilianti
Keyword(s):  
Blood Pressure ◽  
Data Analysis ◽  
Health Belief Model ◽  
Multiple Regression ◽  
Sampling Method ◽  
Health Belief ◽  
Perceived Benefits ◽  
Hypertensive Patients ◽  
Perceived Severity ◽  
Belief Model

Hypertension is a condition where systolic blood pressure is 140 mmHg or higher and diastolic blood pressure is 90 mmHg or higher. Generally,  hipertensive patients uses captopril and Amlodipin as treatment of hypertension. It is necessary to take various efforts in improving the obedience of hypertensive patients during the drug therapy. One theory studies the obedience behavior is Health Belief Model. The HBM theory covers; perceived suscpetibility, perceived severity, perceived benefits, perceived barrier and self efficacy. To investigate factors effecting the obediance of hypertensive patients during the antihypertensive captopril & amlodipin medications treatment in the Local Public Health Center of Pandanwangi, Malang District using the approach of health belief model theory. This research employed MMAS-8 and HBM instrument. Sampling was done through purposive and accidental sampling method. The data analysis was done through multivariant analysis which used multiple regression to determine the effecting factors based on the HBM theory on the obedience of hypertensive patients during the antihypertensive captopril&amlodipin medications therapy.  This research employed MMAS-8 and HBM instrument. Sampling was done through purposive and accidental sampling method. The data analysis was done through multivariant analysis which used multiple regression to determine the effecting factors based on the HBM theory on the obedience of hypertensive patients during the antihypertensive medications therapy. Factors of HBM Theory that affect the obedience of hypertensive patiens are; self efficacy, perceived severity, and perceived barrier. Whereas, the unaffected factor are perceived susceptibility and perceived benefits. Overall, factors of HBM theory affect the obedience. Keywords: Health belief model, obedience, captopri, amlodipin.

scholarly journals TRUST AND PERCEIVED BENEFIT AS ANTECEDENTS OF REUSE INTENTION IN MOBILE PAYMENT SERVICES

2020 ◽  
Vol 18 (4) ◽  
pp. 682-691
Author(s):  
Ajeng Putri Narahdita ◽  
◽  
Siti Aisjah ◽  
Nur Kusniyah ◽  
◽  
...  
Keyword(s):  
Graduate Students ◽  
Perceived Risk ◽  
Sampling Method ◽  
Sampling Technique ◽  
Mobile Payment ◽  
Perceived Benefits ◽  
Perceived Benefit ◽  
Research Findings ◽  
Relationship Of ◽  
The Relationship

The purpose of this study is to describe and analyze the direct and indirect relations between trust, perceived benefit, perceived risk, and reuse intention. The population of this research is to graduate students who have used Go-pay. Using a purposive sampling method with a nonprobability sampling technique, 177 people were selected as respondents. Research findings show that the trust had an influence directly against the perceived benefit, perceived risk, and reuse intention. Furthermore, the perceived benefit directly influence reuse intention. Besides, this research confirmed that the perceived benefits partially mediate the relationship of trust in the intention of reuse. Nevertheless, the perceived risk does not influence reuse intention.

PENGARUH KEPEMIMPINAN DAN KOMPETENSI TERHADAP KINERJA ORGANISASI PT. SAMICK INDONESIA

2019 ◽  
Vol 7 (2) ◽  
Author(s):  
Donny Dharmawan, MM. ◽  
Erfan Esnawan
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Organizational Performance ◽  
Multiple Regression ◽  
Significant Influence ◽  
Random Sampling ◽  
Simple Random Sampling ◽  
Validity And Reliability ◽  
Data Analysis Technique ◽  
Analysis Technique

<em><span lang="EN-US">This study aims to determine the magnitude of the influence of leadership and competence on the organizational performance of PT. Samick Indonesia. This study uses Simple Random Sampling. The population in this study were employees of PT. Samick Indonesia. With 156 samples. Data collection techniques using questionnaires which then have been tested for validity and reliability. The data analysis technique used to answer the hypothesis is multiple regression. The results of this study indicate that, Leadership is able to improve Organizational Performance. Competence is able to improve organizational performance thus it can be concluded that leadership and competence have a positive and significant influence on the organizational performance of PT. Samick Indonesia.</span></em>

PENGARUH TRUST, PRICE DAN SERVICE QUALITY TERHADAP INTENTION TO PURCHASE PELANGGAN BHINNEKA.COM

2017 ◽  
Vol 2 (3) ◽  
pp. 391-400
Author(s):  
Rianto Nurcahyo ◽  
Dennis Andry ◽  
Kevin Kevin
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Service Quality ◽  
Multiple Regression Analysis ◽  
Multiple Regression ◽  
Positive Influence ◽  
Quantitative Approach ◽  
Analysis Method ◽  
Intention To Purchase ◽  
Trust Intention

The purpose of this study is to identify and understand the factors that can influence the intention to purchase through trust, price, and service quality on consumers Bhinneka.com. This research uses quantitative approach by distributing questionnaires to 100 respondents Bhinneka.com. Data analysis method used in this research is simple and multiple regression analysis. The result shows that the three variables used have a positive influence on intention to purchase variable. The most dominant variables in explaining the variation of intention to purchase are service quality variable of 35.5%, the price of 17.2%, and trust of 24.6%. Keywords: service quality, price, trust, intention to purchase

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