scholarly journals Enhanced Financial Business Competitiveness by Leveraging Technology and Innovation

2021 ◽  
Vol 15 (2) ◽  
pp. 79-89
Author(s):  
Suwinto Johan
Keyword(s):  
Consumer Finance ◽  
Financial Industry ◽  
Work Process ◽  
Adoption Of Technology ◽  
Use Of Technology ◽  
Business Competitiveness ◽  
Impact Of Technology ◽  
Motorized Vehicles ◽  
The Impact ◽  
Financial Technology

The financial industry has developed rapidly with the emergence of financial technology companies. Moreover, the use of technology in the financial industry has developed rapidly. However, conventional financial companies face tough challenges in doing business. They have to adopt the technology to survive. The adoption of technology will increase the competitiveness of established financial companies against financial technology companies. The research aims to analyze the impact of technology on improving the work process of established financial companies. It examines the business model of established financial companies and financial technology companies. The work process is almost identical for all companies. The research applies a qualitative method. The chosen companies are multi-purpose financing for the purchase of two-wheeled and four-wheeled motorized vehicles. The total number of companies involved in the research is four companies. The result concludes that conventional consumer finance companies need to adopt technology into the work process to compete with financial technology companies. Technologies that can be used are Artificial Intelligence (AI), automation job allocation, chatbot, and face recognition. The work process is reviewed by digitizing, eliminating, and moving. Then, technology adoption will require a large investment. Hence, consumer finance companies can collaborate with technology companies, including financial technology companies.

scholarly journals How Will the Use of Technology in Translation and Testing Affect Language Learning?

2014 ◽  
Vol 8 (1) ◽  
pp. 22 ◽  
Author(s):  
David Michael Bourne
Keyword(s):  
Language Learning ◽  
Language Proficiency ◽  
Educational Institutions ◽  
Human Element ◽  
Use Of Technology ◽  
The One ◽  
Impact Of Technology ◽  
Age Range ◽  
The Impact

Technology has an ever increasing impact on how we work and live. Article adressed the issue of the impact of technology in two key areas of language learning. On the one side learners increasingly used technology to translate. Given this trend, was there any real need to learn a language. On the other side, educational institutions increasingly used technology to rate language proficiency. Given this trend, would the work of the teacher become less and less important. The survey was conducted by using quantitative method. The respondents’ age range was 18-25. There were 53 respondents, 35% were male and 65% were female. The instrument was a questionaire having 9 questions describing the students’ reliance on computer in translation. It can be concluded that learners of English indicate that they accept and welcome the role of technology in language learning, but there is a doubt that the role and participation of humans in the learning process will be completely replaced. The human element remains an important ingredient. (EE)

scholarly journals The Impact of Technology on People with Autism Spectrum Disorder: A Systematic Literature Review

Sensors ◽  
2019 ◽  
Vol 19 (20) ◽  
pp. 4485 ◽  
Author(s):  
Katherine Valencia ◽  
Cristian Rusu ◽  
Daniela Quiñones ◽  
Erick Jamet
Keyword(s):  
Autism Spectrum Disorder ◽  
Literature Review ◽  
Systematic Literature Review ◽  
Autism Spectrum ◽  
Spectrum Disorder ◽  
Virtual Agents ◽  
Use Of Technology ◽  
Impact Of Technology ◽  
Game Elements ◽  
The Impact

People with autism spectrum disorder (ASD) tend to enjoy themselves and be engaged when interacting with computers, as these interactions occur in a safe and trustworthy environment. In this paper, we present a systematic literature review on the state of the research on the use of technology to teach people with ASD. We reviewed 94 studies that show how the use of technology in educational contexts helps people with ASD develop several skills, how these approaches consider aspects of user experience, usability and accessibility, and how game elements are used to enrich learning environments. This systematic literature review shows that the development and evaluation of systems and applications for users with ASD is very promising. The use of technological advancements such as virtual agents, artificial intelligence, virtual reality, and augmented reality undoubtedly provides a comfortable environment that promotes constant learning for people with ASD.

The Impact of the Technological Care Environment on the Nursing Role

1996 ◽  
Vol 12 (2) ◽  
pp. 358-366 ◽  
Author(s):  
Dianne Pelletier ◽  
Christine Duffield ◽  
Anne Adams ◽  
Jackie Crisp ◽  
Sue Nagy ◽  
...  
Keyword(s):  
Health Care ◽  
Acute Care ◽  
Care Environment ◽  
Nursing Role ◽  
Australian Health ◽  
Acute Health Care ◽  
Use Of Technology ◽  
Care Technology ◽  
Impact Of Technology ◽  
The Impact

AbstractProliferation of acute health care technology creates problems and benefits for nurses and patients. In this paper the impact of technology on the nursing work role is reviewed through the international literature. The thrust of the nursing literature has, not surprisingly, matured over time as the use of technology has become well established in the acute care environment, and three themes can be identified. The implications for acute care nurse specialists, including their educational needs, are set in context of the Australian health care system, with particular reference to the cardiac care environments.

scholarly journals Effect of Technology Based Financial Innovations on Non-Interest Income of Commercial Banks in Kenya

2018 ◽  
Vol 14 (7) ◽  
pp. 337
Author(s):  
L’souza Boniface Alubisia ◽  
Wainaina Githii ◽  
Mirie Mwangi
Keyword(s):  
Commercial Banks ◽  
Banking Sector ◽  
Financial Innovation ◽  
Mobile Banking ◽  
Financial Industry ◽  
Descriptive Research ◽  
Financial Innovations ◽  
Interest Income ◽  
Impact Of Technology ◽  
The Impact

Technology based financial innovation has had a great impact on the financial industry as a whole over the past few decades. It has presented the banking sector with an opportunity to increase the revenue base. This study intended to identify the impact of technology based financial innovation on non-interest income in Kenyan commercial banks. The study investigated how the adoption of ATMs and Cards, Internet and Mobile Banking and use of Funds Transfer Systems such as RTGS and EFT has impacted the non-interest income of commercial banks in Kenya. Descriptive research design was utilised. The study found that technology based financial innovation has significant effect on the non-interest income earned by commercial banks in Kenya. It recommends all stakeholders in commercial banks to take any investments made towards technology based financial innovation products as a strategy to improve non-interest income

scholarly journals An Examination of the Links between Technology, Culture, and Reading Proficiency: A Study of the Programme of International Student Assessment (PISA)

2020 ◽  
Author(s):  
Andrew Schenck
Keyword(s):  
International Student ◽  
Student Assessment ◽  
Reading Proficiency ◽  
Reading Scores ◽  
Digital Device ◽  
International Student Assessment ◽  
Use Of Technology ◽  
Device Use ◽  
Impact Of Technology ◽  
The Impact

This study was designed to investigate the relationship between culture, technology, and reading. Reading scores from the Programme of International Student Assessment (PISA) were obtained from 41 countries and compared to: digital device use in the classroom, method of digital device use in the classroom, and digital device use outside the classroom. Results suggest that either no use or extensive use of technology improves overall reading scores. Cultural characteristics such as assertiveness or low institutional collectivism in some countries appear to mitigate this effect, decreasing the impact of technology on reading. Teacher control of technology had the highest impact on reading performance. Finally, as the use of technology outside the classroom increased, reading proficiency tended to decrease, with the exception of the Anglo cultural group.

scholarly journals Students as Producers: A Case Study of Technology-Based Projects

2017 ◽  
Vol 17 (2) ◽  
pp. 121
Author(s):  
Cecilia Titiek Murniati ◽  
Ridwan Sanjaya
Keyword(s):  
Teaching Strategies ◽  
Real Life ◽  
Private University ◽  
Technology In The Classroom ◽  
Effective Teaching Strategies ◽  
Use Of Technology ◽  
Integration Of Technology ◽  
Language Classrooms ◽  
Impact Of Technology ◽  
The Impact

The existent literature on the integration of technology in language classrooms has addressed the issues of effective teaching strategies, the types of technologies students use, and teachers’ preparedness in adopting technology for the classrooms. Some scholars argue that the effectiveness of technology largely relies on the teaching strategies that teachers utilize. The findings of some studies shed light on the impact of technology on students’ attitude and engagement. Despite the unresolved debates about the use of technology in the classroom and its impact on student learning, the author’s current projects using games, YouTube, blog, and microblogging services indicated that students benefit from the projects in several ways. The participants of this study were students in the English Department in a private university in Semarang. The data for this study were collected from interviews, observation, and students’ learning reflective journals that students submitted upon the completion of the projects. The findings indicated that students felt more confident in applying their knowledge in real life situations. Interactions with teachers and peers, bridged by technology, contribute to their development as the creator of knowledge.

scholarly journals Technophobia as emerging risk factor in aging: Investigation on computer anxiety dimension

2020 ◽  
Vol 8 (1) ◽  
Author(s):  
Dina Di Giacomo ◽  
Federica Guerra ◽  
Enrico Perilli ◽  
Jessica Ranieri
Keyword(s):  
Risk Factor ◽  
Technology Use ◽  
Computer Anxiety ◽  
Low Frequency ◽  
Digital Native ◽  
Use Of Technology ◽  
Management Of Technology ◽  
Emerging Risk ◽  
Impact Of Technology ◽  
The Impact

Digital innovation changed the daily living impacting Quality of Life of individuals. Our study was focused on adult and elder behavioural approach to the technology. Out study aimed to investigate the impact of technology use in not digital native in order to investigate the behavioural degree of adaptation. An observational study was conducted on adult and old subjects (age range 50–67 years) measuring computer anxiety and technology use ability variables identifying the indexes for technophobia risk in digital living. Not digital native subjects and more older ones appeared being influenced by technophobia features because of feeling themselves as inadequate in the management of technology. Oneway ANOVA and then Bonferroni’s post-hoc analysis showed that non-autonomous (p<0.01), low-frequency (p<0.01), and feelingneed- for-help users (p<0.01) had higher levels of computer anxiety. No significant effect was in gender distribution. Finally, social networking seems related better use of technology and lower anxiety for digital solutions. Our findings highlight technophobia as a possible new risk factor for not digital native because it can affect their daily life through lower adherence to digital solutions; rather than aging successfully, they could develop fragile ageing. More, they seemed inadequate to use the digital solutions for better living in aging.

Why so serious? Gamification impact in the acceptance of mobile banking services

2017 ◽  
Vol 27 (1) ◽  
pp. 118-139 ◽  
Author(s):  
Goncalo Baptista ◽  
Tiago Oliveira
Keyword(s):  
Game Design ◽  
Structural Equation ◽  
Strong Relationship ◽  
Mobile Banking ◽  
Financial Industry ◽  
Banking Services ◽  
Content Type ◽  
Use Of Technology ◽  
The Right ◽  
The Impact

Purpose The purpose of this paper is to identify the potential impact of the utilization of game mechanics and game design techniques in the acceptance of mobile banking services. Design/methodology/approach The theoretical model was tested in a quantitative study using structural equation modelling, conducted in Brazil, with actual local banking customers. Findings The findings show that there is a direct and strong relationship between gamification and intention to use mobile banking services, supporting that, when used and designed properly, gamification can help make banking activities more exciting, more interesting and more enjoyable, and in turn increase customer acceptance, engagement and satisfaction. Research limitations/implications The research extends the unified theory of acceptance and use of technology (UTAUT2), and prior research to include gamification impact. The result is a more descriptive model that better explains consumers’ decision to use mobile banking services. Practical implications For practitioners, understanding the key constructs is crucial to design, refine and implement mobile banking services that achieve high consumer acceptance and value, and with the right amount of game techniques in them. Originality/value The globalization of business and systems is fuelling the need to acquire a deeper understanding of the impact of gamification in acceptance within the financial industry. This is the first time to the knowledge that UTAUT2 theory and a gamification construct are combined in a mobile banking acceptance work, supported by data from a South American country, enriching the existing literature on this subject and providing new insights into how game techniques influences individual behaviour.

scholarly journals Factors and Benefits that Affect Lender's Interest in Giving Loans in Peer to Peer (P2P) Lending Platform

2021 ◽  
Vol 12 (2) ◽  
pp. 121-130
Author(s):  
Christiana Fara Dharmastuti ◽  
Jonathan Laurentxius
Keyword(s):  
Sampling Technique ◽  
Complete Information ◽  
Peer To Peer ◽  
Direct Impact ◽  
Financial Industry ◽  
Moderator Variable ◽  
P2p Lending ◽  
The Impact ◽  
Credit Analysis ◽  
Financial Technology

Financial technology (fintech) is a combination of the financial industry and technology. One of the uses of fintech is the Peer to Peer (P2P) lending platform, which is a funding channel. This platform is an investment alternative that can increase borrowers' and investors' prosperity. However, P2P also has a high risk that must be considered. Lenders or investors must conduct a loan application feasibility study before giving a loan. The research examined the impact of Character, Capital, Capacity, Collateral (4C) and the benefits that lenders received, as well as the benefits of fintech on lenders' interest in placing their funds on the P2P lending platform. Data were obtained from questionnaires distributed to P2P lending users. The sampling technique was purposive sampling. The total number of respondents who returned the questionnaire was 70 respondents. However, only 53 data could be used in the research. Then, the data were analyzed using Moderated Regression Analysis (MRA). The results show that the 4C factors do not significantly affect the lenders' interest in giving loans. Meanwhile, the benefits and fintech have a significant direct impact. Fintech cannot act as a moderator variable in this model. P2P companies must provide complete information and credit analysis regarding borrowers' conditions to reduce lenders' potential risk.

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