scholarly journals UNDERSTANDING CUSTOMER ACCEPTANCE TO FINANCIAL TECHNOLOGY; STUDY IN INDONESIA

2021 ◽  
Author(s):  
Deni Wardani ◽  
Nuri Wulandari ◽  
Chico Adhi Baskara
Keyword(s):  
Social Factors ◽  
Intention To Use ◽  
Technology Study ◽  
Technology Sector ◽  
Banking And Finance ◽  
Potential Value ◽  
Customer Acceptance ◽  
The World ◽  
Minimal Effort ◽  
Financial Technology

In the Era of Digital 4.0, technology is of undeniable importance to any industry, including banking and finance. The disruption of technology and economic crisis has brought us the innovation of financial technology which is now mushrooming throughout the world. Financial Technology is an instrumental tool for financial inclusion thus has a big potential value in countries such as Indonesia. However, the acceptance of this new way of financial alternative still leaves a huge area for investigation. Especially in the acceptance of this technology as an alternative to conventional way of doing financial investment.The article is trying to investigate the acceptance of the financial technology sector to customers and the intention to use it in the future. The research found that the minimal effort and the availability of resources that facilitate contribute greatly to the acceptance of financial technology to the users. Furthermore, the result implies that social factors, hedonic motivation and habits have no significant effect on the intention of adapting this new way of doing financial activities. 

scholarly journals Waqf Blockchain in Indonesia

2021 ◽  
Vol 14 (1) ◽  
pp. 31-49
Author(s):  
Lu'liyatul Mutmainah ◽  
Nurwahidin ◽  
Nurul Huda
Keyword(s):  
Qualitative Research ◽  
Research Methods ◽  
Public Awareness ◽  
Qualitative Research Methods ◽  
Future Research ◽  
Intention To Use ◽  
Muslim Population ◽  
The World ◽  
Perceived Intention ◽  
Financial Technology

Abstract: The emergence of innovation in the world of digital finance in recent years has received attention from various parties commonly known as financial technology. This innovation is in the form of crowdfunding and blockchain platforms. These two innovations can not only be used for commercial, but also social purposes, including waqf. There is a huge potential of cash waqf in Indonesia. However, the realization is relatively still low. This study aims to analyze at a glance waqf blockchain in Indonesia that can optimize the realization of waqf development in Indonesia. Qualitative research methods is used in this paper through the study of literature. The results of the study show that Indonesia is very likely to implement waqf blockchain because the Muslim population reaching more than 80%, the flexible concept of waqf fiqh and the emergence of the halal industry. The most challenges faced are related to waqf literacy to increase public awareness. Investigating about perceived intention to use waqf blockchain through questionnaire and a deep interview with the stakeholders is important for the future research. Keywords: technology, blockchain, waqf.

scholarly journals Examining Customers’ Critical Acceptance Factors toward Ridepooling Services

2021 ◽  
pp. 036119812110263
Author(s):  
Oliver Werth ◽  
Marc-Oliver Sonneberg ◽  
Max Leyerer ◽  
Michael H. Breitner
Keyword(s):  
Urban Areas ◽  
Service Providers ◽  
Road Traffic ◽  
Environmental Awareness ◽  
Optimal Operation ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Mobility Service ◽  
Customer Acceptance ◽  
Use Of Technology

Ridepooling is a new mobility service mainly for people in cities and urban areas. By matching the routes of customers with similar start and end points while driving in an optimally pooled manner, meaningful reductions in road traffic and related emissions can be achieved. Such services must meet customers’ demands appropriately to achieve sustainable customer acceptance. Service providers face diverse customer expectations and prejudices that differ from those toward existing transportation modes. Today, most ridepooling trips are conducted with only one customer, confirming impressions of non-optimal operation. Using a survey-based approach, possible relevant constructs for the acceptance of and intention to use ridepooling services are analyzed. Testing constructs from the Unified Theory of Acceptance and Use of Technology 2 and environmental awareness, partial least squares analysis was performed with the software SmartPLS to investigate a dataset of 224 respondents. Results suggest that attitude toward use, perceived usefulness, and performance expectancy have an influence on the behavioral intention to use ridepooling services. In contrast, environmental awareness, price value, and effort expectancy do not have such an influence. The study expands the literature about customer acceptance of ridepooling service as well as new mobility services in general. Further, the paper provides research implications and recommendations for the development and implementation of the ridepooling concept for service providers.

أثر التكنولوجيا المالية على القطاع المصرفي في العراق (فرصة ام تهديد؟)

2021 ◽  
Vol 2021 (71) ◽  
pp. 183-199
Author(s):  
شهد ماجد عبد ◽  
أ.م.د عبدالرسول علي حسين
Keyword(s):  
Banking Sector ◽  
Financial Sector ◽  
The World ◽  
The Impact ◽  
Financial Technology

This research talks about the financial technology that has recently begun to appear in the financial sector around the world, and which promises that it will either be the most important competitor to this sector, or the best available way for it to develop. This research talks about the impact of that technology on the Iraqi banking sector in terms of being an opportunity or a threat to it. The problem that this research addresses is: Is the adoption of financial technology, despite its risks, by the Iraqi banking sector will benefit it? Or will those risks be predominant in the end? It stems from the premise that financial technology is one of the most important opportunities available to the Iraqi banking sector. The research reached several conclusions, the most important of which is that financial technology is indeed an opportunity that is not a threat to the Iraqi banking sector (at least for now), but rather it is one of the most important opportunities available to it, so it must follow an offensive remedial strategy by the banking sector using its strengths that Including high levels of security and confidence, which creates the appropriate environment to exploit its opportunities.

INVESTIGASI NIAT PENGGUNAAN FINANCIAL TECHNOLOGY PAYMENT BAGI USAHA MIKRO KECIL MENENGAH

2021 ◽  
Vol 19 (1) ◽  
pp. 35
Author(s):  
Anissa Hakim Purwantini ◽  
Reza Dea Amalia
Keyword(s):  
Risk Perception ◽  
Small And Medium Enterprises ◽  
Sampling Technique ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Digital Money ◽  
Convenience Sampling ◽  
Medium Enterprises ◽  
Financial Technology

ABSTRACTThe current adoption of financial technology (fintech) payment by Micro, Small and Medium Enterprises (MSMEs) is motivated by the trend of using digital money. The purpose of this study is to test and analyze empirically the factors that influence the intention of SMEs to use fintech payments. This study uses a quantitative method by distributing surveys to 94 MSMEs in the Magelang using convenience sampling technique. The test results with SEM-PLS show that the perceived usefulness and the perception of trust have an effect on attitudes. Risk perception and trust affect the intention to use fintech payment. Meanwhile, for ease of use, perception and risk perception have no effect on attitudes and perceived usefulness. Attitudes have no effect on intentions to use fintech payment. Based on the calculation of the path value, the most powerful factor to influence the intention to use fintech payment is the perception of trust.Keywords: fintech payment, TAM, MSMEABSTRAKAdopsi terkini mengenai pembayaran melalui financial technology (fintech) oleh Usaha Mikro, Kecil dan Menengah (UMKM) dilatarbelakangi oleh tren penggunaan uang digital. Tujuan dari penelitian ini adalah untuk menguji dan menganalisis secara empiris faktor-faktor yang mempengaruhi niat UMKM untuk menggunakan pembayaran fintech. Penelitian ini menggunakan metode kuantitatif dengan menyebarkan survei kepada 94 UMKM di Magelang dengan menggunakan teknik convenience sampling. Hasil pengujian dengan SEM-PLS menunjukkan bahwa persepsi manfaat dan persepsi kepercayaan berpengaruh terhadap sikap. Persepsi risiko dan kepercayaan mempengaruhi niat untuk menggunakan pembayaran fintech. Sedangkan untuk kemudahan penggunaan, persepsi dan persepsi risiko tidak berpengaruh terhadap sikap dan manfaat yang dirasakan. Sikap tidak berpengaruh terhadap niat menggunakan fintech payment. Berdasarkan perhitungan path value, faktor yang paling kuat mempengaruhi niat menggunakan fintech payment adalah persepsi kepercayaan.Kata kunci: fintech payment, TAM, UMKM

scholarly journals Suppression of discrimination against people with disabilities in the field of labor and employment: Situation and prospects

Temida ◽  
2013 ◽  
Vol 16 (1) ◽  
pp. 133-150
Author(s):  
Natasa Tanjevic ◽  
Filip Miric
Keyword(s):  
Social Factors ◽  
Social Life ◽  
Legal Framework ◽  
Economic Policies ◽  
Complex Phenomenon ◽  
The European Union ◽  
Effective Protection ◽  
Persons With Disabilities ◽  
The World ◽  
Domestic Law

Discrimination based on disability is a complex phenomenon that is present in all spheres of social life, especially in the world of work. The reasons that led to this are numerous: living conditions, social and economic policies of different times, but also many social factors such as ignorance, carelessness, neglect, fear and prejudice. Therefore, various documents on the international and national levels are adopted which contain provisions prohibiting discrimination against persons with disabilities and that provide a legal framework for their employment. Accordingly, the Serbian national legislation is now significantly closer to the standards of the international community and the European Union in this field, which opened the way for more effective protection of persons with disabilities. However, one of the main problems is the application of the law in practice. The authors tried to, through the presentation of relevant documents of international and domestic law, point out their individual shortcomings while proposing certain amendments to the existing legal solutions for the purpose of finding effective ways to combat discrimination against persons with disabilities in the labor and employment area, which is the main aim of this paper.

scholarly journals PSYCHO-SOCIAL FACTORS CONTRIBUTING TO SUPERSTITIOUS BEHAVIOR: LITERATURE REVIEW

2015 ◽  
Vol 3 (5) ◽  
pp. 42-47
Author(s):  
Manasvi Shrivastav ◽  
Anuradha Kotnala
Keyword(s):  
Literature Review ◽  
Social Factors ◽  
Confidence Level ◽  
Psychological Factors ◽  
Economic Status ◽  
Socio Economic Status ◽  
The Past ◽  
Superstitious Behavior ◽  
The World ◽  
People Today

Most superstition from the past have been proven by science as unnecessary, ineffective or just plain silly but are still practiced by normal intelligent people today. Around the world, there are many reappearing themes for superstition. Every country has its own localized take on each theme. In this article researcher reviews on previous researches. There is much different kind of researches in the field of superstition and there are different theories related to the origin of superstition. Superstition is influenced by different social and psychological factors. In this article those researches have been discussed which through light on social and psychological factors of superstition. Psychological factors like fear, locus of control, confidence level etc. and social factors such as locale, socio-economic status etc.

scholarly journals Educational Philosophy in the Effect of Globalization on Agriculture

2020 ◽  
Vol 1 (1) ◽  
pp. 7-10
Author(s):  
Aslan Riyadh
Keyword(s):  
Educational Philosophy ◽  
Agricultural Sector ◽  
The Public ◽  
Technology Sector ◽  
Technological Advances ◽  
The World ◽  
Rapid Flow ◽  
Vertical Relationship ◽  
Negative Impacts

Technological advances due to the rapid flow of globalization, change the pattern of teaching in the world of education. The philosophy of education shows a vertical relationship, up or down with the branches of education. It is hoped that the public can better understand the importance of globalization so that the negative impacts that have an impact can be minimized and it is also hoped that the realization of positive activities towards education will be even better. Education contributing to the success of development in the agricultural sector is not solely determined by development in the technology sector but is determined by the development of the quality of human resources, aspects of human personality, which include knowledge, values, attitudes and skills. The influence of globalization encourages education in the agricultural sector to be increasingly encouraged by stakeholders to always be improved so that the agricultural sector becomes more productive.

Exploring the Unison of Socio-Technical Assemblage

2022 ◽  
Vol 14 (2) ◽  
pp. 55-72
Author(s):  
Chandranshu Sinha ◽  
Neetu Bali Kamra ◽  
Taranjeet Duggal ◽  
Ruchi Sinha ◽  
R. Sujatha ◽  
...  
Keyword(s):  
Job Satisfaction ◽  
Information Technology ◽  
Information Exchange ◽  
New Normal ◽  
Cronbach Alpha ◽  
Technology Sector ◽  
Work From Home ◽  
The World ◽  
Information Technology Sector ◽  
Highly Correlated

Work from home (or remote working) has become the new normal ever since the pandemic hit the world. This new normal, which represents the unison of social and technical assemblage, has been used as a backdrop in the study to explore the nature of employee job behaviour and its impact on job satisfaction. The sample consisted of employees who are working remotely from their homes in the information technology sector. The Cronbach alpha of the questionnaire was found to be .862. The results indicate that dimensions of employee job behaviour like enhanced work association, need for interaction for information exchange, and increased work responsibility were found to be highly correlated in the backdrop of work from home. Further, employee job behaviour was found to be significantly impacting job satisfaction of employees in the backdrop of work from home.

Crypto-Currency

2019 ◽  
pp. 1-13 ◽  
Author(s):  
S. Iqbal ◽  
Muzammil Hussain ◽  
Muhammad Umar Munir ◽  
Zunair Hussain ◽  
Sobia Mehrban ◽  
...  
Keyword(s):  
Major Part ◽  
Security Risk ◽  
Crypto Currency ◽  
The World ◽  
The Future ◽  
Banking Institutions ◽  
Financial Technology ◽  
Currency Trading

This chapter sheds light on the future of crypto-currencies in the world as they have become a major part of trading and are now being adopted by leading investment firms as a new way of buying and selling. Despite the substantial security risk in crypto-currency trading, it has become the most traded commodity. Many new crypto-currencies are being introduced that attract investors. Banking institutions in USA and other leading countries have started to take part in investments in crypto-currency as it has revolutionized financial technology.

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