Demographic Influences on E-Payment Services

This study investigated customers' preferences of payment systems and the influence of demography on the attitude of customers towards e-payment services. Survey responses were received from 558 bank customers. The t-test and the analysis of variance were employed to examine the differences in perception of security, ICT literacy, customer satisfaction, and the use of e-payment services based on customers' age, gender, and the level of education. The findings revealed no significant differences between the male and female customers in the use of e-payment services. However, the male customers had higher ICT skills, yet perceived e-payment services less secured. Moreover, there were no significant differences in satisfaction and e-payment use, though, customers with higher level of education felt less secured using the services. Also, whereas the older customers were more satisfied with e-payment services, the younger customers had more ICT skills and use the services much more. These findings are necessary for formulating strategies for marketing e-payment services.

Download Full-text

Demographic Influences on E-Payment Services

International Journal of E-Business Research ◽

10.4018/ijebr.2017010103 ◽

2017 ◽

Vol 13 (1) ◽

pp. 44-65 ◽

Cited By ~ 3

Author(s):

Winfred Yaokumah ◽

Peace Kumah ◽

Eric Saviour Aryee Okai

Keyword(s):

Customer Satisfaction ◽

Analysis Of Variance ◽

Ict Literacy ◽

Payment Systems ◽

Ict Skills ◽

Male And Female ◽

Level Of Education ◽

Payment Services ◽

Survey Responses ◽

Perception Of Security

This study investigated customers' preferences of payment systems and the influence of demography on the attitude of customers towards e-payment services. Survey responses were received from 558 bank customers. The t-test and the analysis of variance were employed to examine the differences in perception of security, ICT literacy, customer satisfaction, and the use of e-payment services based on customers' age, gender, and the level of education. The findings revealed no significant differences between the male and female customers in the use of e-payment services. However, the male customers had higher ICT skills, yet perceived e-payment services less secured. Moreover, there were no significant differences in satisfaction and e-payment use, though, customers with higher level of education felt less secured using the services. Also, whereas the older customers were more satisfied with e-payment services, the younger customers had more ICT skills and use the services much more. These findings are necessary for formulating strategies for marketing e-payment services.

Download Full-text

SENSITIVITAS ETIS MAHASISWA ATAS PENGGELAPAN PAJAK

JRAK Jurnal Riset Akuntansi dan Komputerisasi Akuntansi ◽

10.33558/jrak.v8i2.938 ◽

2017 ◽

Vol 8 (2) ◽

pp. 178-195

Author(s):

Nurma Risa

Keyword(s):

Tax Evasion ◽

Female Students ◽

T Test ◽

Study Program ◽

Male And Female ◽

Political Sciences ◽

Significant Difference ◽

The Subject ◽

And Gender ◽

Management Students

This study aims to prove that there is a difference of perception about ethics on tax evasion in UNISMA Bekasi students, based on selected study program and gender. The sample of this research is the students who have fulfilled the subject of taxation, at the Faculty of Economics (FE) and Faculty of Social and Political Sciences (FISIP). Using independent t-test, the results showed that there was no significant difference of perception about tax evasion ethics between FE and FISIP students. But significant differences the perception of tax evasion ethics occur between accounting and management students at FE. Significant differences also did not occur between male and female students

Download Full-text

Maintaining Customer Loyalty by Intensifying Service Quality and Customer Satisfaction in Commuter Line Jabodetabek

Journal of Business and Economics ◽

10.15341/jbe(2155-7950)/09.10.2019/010 ◽

2019 ◽

Vol 10 (9) ◽

pp. 902-909

Author(s):

Umbas Krisnanto ◽

◽

Conny Marpaung ◽

Keyword(s):

Data Analysis ◽

Linear Regression ◽

Customer Satisfaction ◽

Service Quality ◽

Hypothesis Testing ◽

Customer Loyalty ◽

T Test ◽

Coefficient Of Determination ◽

Simple Linear Regression ◽

Significance Level

This study aims to determine and analyze the influence of Service Quality and Customer Satisfaction on Customer Loyalty in Jabodetabek Commuter Line. The sample of this study was 50 people. Methods of collecting data by distributing questionnaires. Data analysis using the analysis used is simple linear regression, t test and coefficient of determination. The results showed 1) Service Quality has a positive and significant effect on Customer Loyalty in Jabodetabek Commuter Line, with a significance level of 0.048; and supported by the results of hypothesis testing with a t-count value of 4.433 > t-table value of 1.95, with a significance of 0.048 or < 0.05; 2) Customer Satisfaction positive and significant effect on Customer Loyalty in Jabodetabek Commuter Line, with a level significance of 0,000; and supported by the results of hypothesis testing with a t-count value of 4,969 > t-table value of 1.95, with a significance of 0,000 or < 0.05, 3) Service quality and Customer Satisfaction have a positive and significant effect on Customer Loyalty in Jabodetabek Commuter Line, with a significance level of 0,000. This means that the hypothesis H0 is rejected and Ha is accepted so that it can be concluded that service quality and customer satisfaction together have a positive and significant effect on customer loyalty in Jabodetabek Commuter Line.

Download Full-text

A Training Proposal to Improve Multidirectional Running Technique in Male and Female Handball Players: A Pilot Study

International Journal of Environmental Research and Public Health ◽

10.3390/ijerph18042056 ◽

2021 ◽

Vol 18 (4) ◽

pp. 2056

Author(s):

Carmen Ferragut ◽

Román Pedreira ◽

José Julio Espina ◽

Helena Vila

Keyword(s):

Team Sports ◽

T Test ◽

Control Group ◽

Sprint Training ◽

Countermovement Jump ◽

Squat Jump ◽

Male And Female ◽

Intervention Protocol ◽

Post Test ◽

Experimental Group

Multidirectional running has been described as an important factor in team sports performance. The aim of the present study was to determine changes in T-test, 505 time, 10 m sprint, squat jump (SJ), countermovement jump (CMJ), countermovement jump right leg (CMJRL), and countermovement jump left leg (CMJLL) following exposure to 12 sessions over 4 weeks of a multidirectional running sprint training intervention in male and female handball players. A total of 31 handball players (15 male and 16 female) were recruited for this study and then randomly assigned to an experimental group (EG) or control group (CG). Male EG players showed improvements in 505 Preferred Side (PS) (p ≤ 0.05), 505 Non-Preferred Side (NPS) (p ≤ 0.05), and 10 m sprint (p ≤ 0.05), while female EG players presented statistically significant improvements between pre- and post-test for the T-test (p ≤ 0.05), 505 PS (p ≤ 0.05), 505 NPS (p ≤ 0.05), and 10 m sprint (p ≤ 0.05). No statistically significant pre- and post-test differences were observed in CG (all p ≥ 0.05) or between male and female players. We found an improvement in handball players’ agility and speed of movement following the intervention protocol, suggesting the need to introduce this program into our training sessions. It may also be necessary to select and develop more specific tests in order to evaluate multidirectional work in handball players.

Download Full-text

“SME executives’ perceptions and the information security preparedness model”

Information and Computer Security ◽

10.1108/ics-01-2020-0014 ◽

2021 ◽

Vol ahead-of-print (ahead-of-print) ◽

Author(s):

Kenneth Albert Saban ◽

Stephen Rau ◽

Charles A. Wood

Keyword(s):

Information Security ◽

Prior Information ◽

Security Studies ◽

Department Of Justice ◽

Content Type ◽

Implementation Challenges ◽

External Influences ◽

True State ◽

Survey Responses ◽

Perception Of Security

Purpose Information security has increasingly been in the headlines as data breaches continue to occur at alarming rates. This paper aims to propose an Information Security Preparedness Model that was developed to examine how SME executives’ perceptions of security importance, implementation challenges and external influences impact their awareness and commitment to security preparedness. Design/methodology/approach Funded by the Department of Justice, a national survey of SME executives’ perceptions of information security preparedness was conducted. Using PLS-SEM, the survey responses were used to test the proposed Information Security Preparedness Model. Findings The results indicate that as perceptions of security importance and external influences increase, SME executives’ awareness and commitment to information security also increases. In addition, as implementation challenges increase, awareness and commitment to information security decreases. Finally, as security importance and awareness and commitment to information security increases, executives’ perception of security preparedness also increases. Research limitations/implications Executive perceptions of information security were measured and not the actual level of security. Further research that examines the agreement between executive perceptions and the true state of information security within the organization is warranted. Originality/value Prior information security studies using Roger’s (1975, 1983) Protection Motivation Theory have produced mixed results. This paper develops and tests the Information Security Preparedness Model to more fully explain SME executive’s perceptions of information security.

Download Full-text

Motives and Obstacles of Using Internet as A Source for Learning By The Students of Human Sciences at the World Islamic Science & Education University( WISE)

International Journal of Education ◽

10.5296/ije.v8i1.7685 ◽

2016 ◽

Vol 8 (1) ◽

pp. 181

Author(s):

Mohammed Bader Alyousef

Keyword(s):

Science Education ◽

Female Students ◽

T Test ◽

Human Sciences ◽

Male And Female ◽

University Courses ◽

The World ◽

Islamic Science ◽

High Degree ◽

Use Of Internet

The study aimed at revealing the motives and the obstacles of using internet as a source of learning by the human colleges at WISE. And to achieve the study’s goals , a questionnaire was developed consisting of 40 items; 20 items addressed motives of using internet as source of learning and other 20 items addressed obstacles of using internet as a source of learning . The sample of the study which consisted of 520 male and female students was selected randomly in the second semester for 2012/2013. After data were collected, they were analyzed using descriptive methods, t-test and ANOVA. Results showed the motives of using internet ranged from high degree to moderate. The degrees of obstacles facing using internet were moderate. The researcher recommended the necessity of activating the students’ use of internet with their teachers’ guidance, facilitating the use of internet by increasing the number of computer labs and supervisors, in addition to provide flexible and easy electronic programs for studying university courses.

Download Full-text

ONE OR TWO SCREWS IN THE FRACTURE OF THE ODONTOID PROCESS? EVALUATION USING COMPUTED TOMOGRAPHY

Coluna/Columna ◽

10.1590/s1808-185120151403147309 ◽

2015 ◽

Vol 14 (3) ◽

pp. 210-213

Author(s):

Carlos Alexandre Botelho do Amaral ◽

Edgar Taira Nakagawa ◽

Leonardo Ternis Ferreira ◽

José Sergio Franco ◽

Robinson Esteves Santos Pires ◽

...

Keyword(s):

Computed Tomography ◽

Process Evaluation ◽

Odontoid Process ◽

T Test ◽

Ct Scans ◽

Transverse Diameter ◽

Bone Area ◽

Men And Women ◽

Male And Female ◽

Operative Planning

Objective:To evaluate the bone area of the odontoid process through computed tomography and its relation with the area of one and two screws in the male and female subjects.Methods:188 CT scans of adults were analyzed. The isthmus area was selected and the transverse diameter was measured at 1.2 mm from the base of odontoid.Results:After placement of a screw, the odontoid area remains with 82% of free bone for both men and women. With two screws, 45.6% of women, had a free bone area of the odontoid process between 50% and 75% and 54.4% were above 75%. 26.6% men had percentage from 50% to 75% of free bone area and 73.4% above 75% (p=0.07). After the placement of two screws, the bone area was, in average, 77.3% in men and 75.4% in women. Using the Student t-test, the differences between the average of percentage of free bone area in men and women are significantly lower in women (p=0.0012).Conclusion:The pre-operative planning through CT can help to choose the number of screws in the odontoid process. The choice should be particularly careful when using two screws in women.

Download Full-text

Pengaruh Kualitas Produk, Harga, Kualitas Pelayanan, Dan Store Atmosphere Terhadap Kepuasan Pelanggan

BIP's JURNAL BISNIS PERSPEKTIF ◽

10.37477/bip.v13i2.216 ◽

2021 ◽

Vol 13 (2) ◽

pp. 88-101

Author(s):

Devina Martina Lieyanto ◽

Bruno Hami Pahar

Keyword(s):

Quality Of Service ◽

Customer Satisfaction ◽

Quantitative Research ◽

T Test ◽

Test Reliability ◽

Product Price ◽

Normality Test ◽

Store Environment ◽

Quality Of Products

The development of culinary business in Indonesia, particularly in Surabaya, is growing and developing increasingly. Gatherinc Bistro & Bakery is one of the bistros in Surabaya and is located on Jalan Taman Puspa Raya A2 No. 11, Sambikerep, Surabaya. The aim of this study is to determine the effect of quality of product, price, quality of service, and store atmosphere on customer satisfaction at Gatherinc Bistro & Bakery Surabaya. The method used in this study is quantitative research by giving a questionnaire statement to 100 participants who are customers of Gatherinc Bistro & Bakery Surabaya. This research was tested using the Validity Test, Reliability Test, Classical Assumption Test (Normality Test, Multicollinearity Test, Heteroscedasticity Test), F Test, Multiple Linear Regression Test, Determinant Coefficient, and t test. In the t test, the research results showed that the variable quality of the product (X1) 1.648 < 1.985 with a significant level of 0.103 > 0.050, which means that quality of product has no significant effect on customer satisfaction at Gatherinc Bistro & Bakery Surabaya, variable price (X2) 0.176 < 1.985 with a significant level of 0.861 > 0.050, which means that price does not have a significant effect on customer satisfaction at Gatherinc Bistro & Bakery Surabaya, quality of service (X3) 3.755 > 1.985 with a significant level of 0.000 < 0.050, which means that quality of service has a significant effect on customer satisfaction at Gatherinc Bistro & Bakery Surabaya, and the store atmosphere (X4) 2.280 > 1.985 with a significant level of 0.025 < 0.050, which means that store atmosphere has a significant effect on customer satisfaction at Gatherinc Bistro & Bakery Surabaya. The conclusion of this study is that the product and price quality variables do not have a major impact on customer satisfaction because the quality of products and prices given by Gatherinc Bistro & Bakery Surabaya are not much different from other cafe or bistro in Surabaya, whereas the service quality and store environment variables at Gatherinc Bistro & Bakery Surabaya have an impact on customer satisfaction.

Download Full-text

Psychological Well-Being in Government and Private NGO’s Abled Person

International Journal of Indian Psychology ◽

10.25215/0203.052 ◽

2015 ◽

Vol 2 (3) ◽

Author(s):

Ajay Chauhan

Keyword(s):

Data Collection ◽

Scale Development ◽

Well Being ◽

T Test ◽

Psychological Well Being ◽

Male And Female ◽

Face To Face ◽

Interview Method ◽

Five Factors ◽

Significant Difference

Main objective of the present study is to examine psychological well-being among Government and Private NGO’s abled person. A sample of 80 male and female Government and Private NGO’s abled person was drawn randomly selected Bhavnagar district area’s NGO’s. The psychological well-being scale: scale development and its correlates. Developed by Bhogle and Prakash was used for data collection. This scale in which five factors major meant. Data was collected by face to face interview method. Mean, SD and ‘t’ test were calculated for the analysis of data. Results indicate that there is no significant difference among Government and Private NGO’s abled person in psychological well-being.

Download Full-text