Application of Gamification in a Marketing Context

Gamification, a popular tool widely used in various contexts such as marketing, education, and organizations, among others, has demonstrated its potential for engaging, motivating, and achieving behavioral change in the targeted audience. For an ideal gamification system, it is necessary to know how the gamification elements affect human emotions. This chapter conducts a journey through gamified contexts and their psychological impacts on individuals. This chapter gathers up the different threads of gamification in the marketing context. The three important objectives fulfilled by this chapter would be that it provides information about the topic of gamification and the psychological perspectives behind its operation; discusses its application in various marketing contexts, such as digital marketing and online payment sites; and finally, investigates various behavioral outcomes of gamification.

How does dataveillance drive consumer online payment resistance?

Purpose This study aims to examine the effect of dataveillance on resistance towards online payment. Using a moderated-mediation framework, the study also investigates the mediating effects of perceived privacy and security concerns and how these mediating effects are moderated by corporate credibility, consumer scepticism and consumer empowerment. Design/methodology/approach A scenario-based experimental design was performed to examine the proposed hypotheses. Analysis of covariance and PROCESS macro were used to examine the hypotheses by analysing 312 collected responses. Findings The results indicated the dataveillance positively affects consumer resistance towards online payment. The results also suggested that corporate credibility and consumer scepticism significantly moderates the association between dataveillance and resistance towards online payment. Practical implications The findings of this study will help online retailers to reduce consumers’ perceived privacy and security concerns, thereby reducing consumers’ resistance towards online payment. Originality/value Theoretically, the study contributes to privacy, consumer behaviour, online payment and cognitive-motivational-relational theory literature.

Bridging Usability and Accessibility of User Authentication using Usable Accessed (UAce) for Online Payment Applications

Usability and accessibility are significant authentication aspects for online applications. Despite the fact that there are ongoing efforts to improve the interface design, some existing research only focuses on a single aspect of it. Thus, it is vital to investigate how to merge these two features into a practical and workable solution. This study presents a preliminary process for designing accessible and usable applications for online banking payment using Usable Accessed (UAce by adopting Design Science Research (DSR) as its methodology. The UAce standard considers attributes and characteristics from the user authentication. The standard establishes a development method and tool for assessing subjectively and quantitatively usable, as well as the user authentication while taking into account specific elements, qualities, and features. The DSR technique for developing highly usable and accessible interactive apps was utilized in designing this approach.

ONLINE PAYMENT OPTIONS AND CONSUMER TRUST: DETERMINANTS OF E-COMMERCE IN AFRICA

The purpose of this paper is to investigate the effect of online payment options and consumer trust on the awareness and perception of e-commerce in Africa. A five-construct model was developed and empirically tested utilizing the structural equation modeling (SEM) technique to probe answers for the variables under study. 760 professionals and college students who reside in Somalia responded to our online questionnaire, then 744 clean responses were selected after removing uncompleted answers. The study results determined that the availability of locally popular payment options such as mobile payment in Africa affects the level of awareness and public perception towards e-commerce. Moreover, the current global online payment options overlook the local technologies popular in Africa. Also, consumer trust was found to be a good determinant of the awareness and perception of e-commerce in the Least Developed Countries (LDCs). This paper finds that including more payment options would make a difference in Africa. It also shows that low consumer trust could be solved if consumers are given assurances for their online financial transactions. This paper contributes to the existing literature proving that various online payment options and consumer trust can be strong determinants of e-commerce, even in LDCs such as Somalia. Also, it added a new value to the current understanding of the impact of both awareness and perception of e-commerce on the propensity for online shopping by finding contradictory results in our research context.

Legalitas dan Pandangan Majelis Ulama Indonesia terhadap Bitcoin sebagai Alat Transaksi

ABSTRAK Bitcoin adalah sistem pembayaran online dari uang elektronik peer-to-peer (P2P) yang dikirim langsung dari satu pihak ke pihak lain tanpa melalui lembaga keuangan. Di Indonesia Bitcoin tidak memiliki legalitas untuk dijadikan sebagai alat transaksi yang sah karena bertentangan dengan Undang-Undang nomor 7 tahun 2011 dan Peraturan Bank Indonesia nomor 17 tahun 2015 serta kepemilikan Bitcoin hanya dianggap sah apabila Bitcoin dijadikan sebagai asset kripto dalam bursa berjangka komoditi. Konsep Bitcoin menurut ulama Indonesia haram karena mengandung gharar dan dharar serta bertentangan dengan Undang-Undang. Gharar disebabkan karena penemu atau penciptanya tidak diketahui secara pasti, tidak adanya otoritas yang memastikan keabsahan transaksi, tidak memiliki nilai intrinsik, tidak memiliki validitas dalam sistem ekonomi, nilainya yang tidak stabil karena volatilitas yang tinggi, sulit untuk diawasi akibat ketidakjelasan pemiliki. Dharar disebabkan karena factor kemanan yang rentan akan peretasan, nilai yang fluktuatif sehingga harga bisa turun drastis dan merugikan pemilik, tidak adanya regulasi yang memberikan jaminan terlindung dari kerugian. ABSTRACT Bitcoin is an online payment system of peer-to-peer (P2P) electronic money sent directly from one party to another without going through a financial institution. Bitcoin does not have the legality to be used as a legal transaction tool because it is contrary to Undang-Undang nomor 7 of 2011 and Bank Indonesia Regulation number 17 of 2015 and Bitcoin ownership is only considered legal if Bitcoin is used as a crypto asset in the commodity futures exchange. The concept of Bitcoin according to Indonesian scholars is haram because it contains gharar and dharar and is against the law. Gharar is caused by the inventor or creator is not known with certainty, there is no authority to ensure the validity of transactions, has no intrinsic value, has no validity in the economic system, the value is unstable due to high volatility, difficult to announce due to the uncertainty of the owner. Dharar is caused by security factors that are vulnerable to hacking, fluctuating values ​​so that prices can drop drastically and harm the owner, there is no regulation that guarantees protection from losses.

PERANCANGAN SISTEM INFORMASI BERBASIS E-BANKING

PERANCANGAN SISTEM INFORMASI PEMBAYARAN ONLINE MENGGUNAKAN PAYMENT GATEWAYSeiring dengan semakin meluasnya penggunaan Internet, penggunaan untuk bisnis juga semakin meningkat, yaitu salah satunya untuk melakukan transaksi secara elektronik. Transaksi elektronik menguntungkan karena dapat mengurangi biaya transaksi bisnis dan dapat memperbaiki kualitas pelayanan kepada pelanggan. Walaupun demikian, sistem transaksi elektronik yang rapuh mudah sekali disalahgunakan oleh pihak – pihak yang tidak bertanggung jawab. Seperti layaknya sebuah transaksi dagang, transaksi elektronik melibatkan dua pihak. Informasi – informasi yang melibatkan transaksi elektronik, termasuk jumlah potongan yang harus dilakukan akun bank tertentu dan penambahan nilai uang pada akun yang lain telah menjadi sangat penting, sehingga dengan demikian menarik serangan – serangan, baik untuk mencuri informasi tersebut atau bahkan memodifikasinya, dalam melakukan transaksi elektronik yaitu Secure Socket Layer (SSL). Secure Socket Layer atau biasa disingkat SSL untuk komunikasi melalui Internet, yang artinya SSL berisi aturan untuk menjamin komunikasi yang terjadi aman. Jadi sebelum melakukan transaksi, protokol SSL harus dijamin terlebih dahulu. Maksudnya adalah pesan yang berfungsi sebagai tanda awal dimulainya saluran komunikasi yang aman, karena isi pesan untuk sesi komunikasi dan pesan ini merangkum dan mengirimkan seluruh hasil kesepakatan atas isi dari pesan SSL yang dipertukarkan sebelumnya dan nilai khusus yang menandakan pengirim pesan ini (client atau server). Layanan Payment Gateway telah menjadi terkenal di dunia online. Payment Gateway memberikan keuntungan lebih kepada customer yang bergantung kepada Internet untuk membeli produk – produk yang diinginkan, sehingga memerlukan transaksi uang secara online.Payment Gateway berguna untuk mendeskripsikan informasi pembayaran dan membandingkan nilai hash yang dikirimkan penjual. Apabila terjadi kecocokan, maka Payment Gateway yakin pembeli dan penjual telah sepakat mengenai pembelian yang dilakukan. Tugas Payment Gateway yang lain adalah melakukan pengesahan transaksi sesuai dengan kebijakan yang dimiliki oleh issuer kartu kredit. Yang menjadi pokok permasalahan, masih banyak orang terutama customer dan merchant masih tidak mengerti bagaimana sebenarnya cara kerja sistem transaksi online di internet. Pada hal bila ditinjau dari waktu sangat membantu Customer, dalam hal proses pembayaran online menggunakan payment gateway,dan manfaatnya supaya customer, merchant ataupun user lain bias mengerti tentang kinerja online yang aman.

Effects of Utilitarian and Hedonic Emotion on the Use of Online Banking Services

The online banking service is the key element for the development of e-commerce and e-businesses. It provides users with convenient daily transaction services, such as wire transfer and online payment. Past studies on online banking services mostly focused on their functionality, whereas little pay attention to users’ hedonic feelings or a sense of pleasure. Besides, discussions about post-adoption behavior are also immature. Thus, this study aims to explore the impacts of customers' positive or negative experience of using online banking services on consumers' emotions. Furthermore, a discussion of post-adoption behaviors, including recommendations, complaints, and continuance intention is also provided. The result shows that positive user experience will have a significantly positive impact on the generation of utilitarian emotion. As for the sense of utilitarian emotion, users concern more about whether their goal could be achieved successfully via their operations or not, such as completing wire transfer transactions in the online banking environment.

Effects of Utilitarian and Hedonic Emotion on the Use of Online Banking Service

The online banking service is the key element for the development of e-commerce and e-businesses. It provides users with convenient daily transaction services, such as wire transfer and online payment. Past studies on online banking services mostly focused on their functionality, whereas little pay attention to users’ hedonic feelings or a sense of pleasure. Besides, discussions about post-adoption behavior are also immature. Thus, this study aims to explore the impacts of customers' positive or negative experience of using online banking services on consumers' emotions. Furthermore, a discussion of post-adoption behaviors, including recommendations, complaints, and continuance intention is also provided. The result shows that positive user experience will have a significantly positive impact on the generation of utilitarian emotion. As for the sense of utilitarian emotion, users concern more about whether their goal could be achieved successfully via their operations or not, such as completing wire transfer transactions in the online banking environment.