Technology Acceptance of Financial Technology (Fintech) for Payment Services Among Employed Fresh Graduates

The Fourth Industrial Revolution (IR 4.0), which is complementary to the technological revolution, has given birth to Financial Technology (Fintech). Numerous advantages are offered by Fintech, yet the adoption rate is still low. This is especially from the employed fresh graduates’ perspectives that are regarded as the computer literate and IT savvy’s group. This research aims to examine the factors that affect the technology acceptance of Fintech payment services. The research attempts to measure the relationships between performance expectancy, effort expectancy, social influence, facilitating condition and consumers’ trust with the adoption of Fintech. Based upon the Unified Theory of Acceptance and Use of Technology (UTAUT), the quantitative method was employed via online survey of 179 respondents. The result showed that consumers’ trust had the highest impact on the adoption of Fintech payment services, followed by performance expectancy and effort expectancy. In contrast, facilitating conditions and social influence showed an insignificant relationship with the adoption of Fintech payment services. This finding would enhance the awareness for people to become more open towards the acceptance of Fintech for their daily transactions. Fintech companies are expected to develop into more secure services and design better products in becoming a cashless society. Keywords: UTAUT, consumers’ trust, financial technology, Fintech, Fintech payment services adoption, employed fresh graduates

Adopting task technology fit model on e-voting technology

<span>E</span><span>-voting is a tool to support the voting process starting from recording, voting, and counting votes using electronic devices. E-voting promises a faster voting process, reduced budget costs, lost votes due to damaged ballot papers during the voting process, and others. E-voting is also used in high school student council elections. Young people are more computer literate (computer literacy) and interested in using new technology (e-voting) than adults and older people. This study aims to determine the suitability of e-voting in the SMA OSIS election to the user's task support using the task-technology fit (TTF) model. The data analysis used is multiple regression analysis. This analysis is used to determine the effect of the independent variables on the dependent variable with a significance level of 5%. The results of this study indicate that the 4 formulated hypotheses can be accepted and the students of SMK Muhammadiyah 1 Bantul feel the suitability of technology support when voting using e-voting in the selection of the high school student council.</span>

Value-Based Education in India

Ancient Indian Education was value based. Dealing with values and moral issues is recognised as an integral part of teachers’ roles. Now, education has an enormous role to play in the social, intellectual and political transformation of the world. Parents, communities and government have always expected schools to develop students who would contribute to the society in which they live. Effective teaching practices in imparting Value based education have ranges from storytelling, exhibitions, skits, one act play and group discussions to various other formats. In the Digital (IT) age, it can be hard to get a grip on the evolving roles of teachers. It can seem as if the role of teachers has grown immensely; they are now expected to be tech-savvy, computer literate and at the cutting edge of education. To inculcate values the necessary curriculum and skills required for a teacher educator. The role of the educators become more challenging and rewarding, in terms of the inculcating the values among the learners. The proper assimilation of these values by a teacher educator can be done through their positive role and prescribed means. What are values and their role in promoting multicultural values education and social justice in Teacher Education Programs that are directly related to school education? Keeping in view the need of the value inculcation in prospective teachers, this article addresses the issue of teachers’ training for value education, some changes that need to occur in pre-service teacher education in order to inculcate values for betterment of the next generation education.

A Survey: E-Learning Affects, Satisfaction and Sentiments of Students of Shaheed Benazir Bhutto University Shaheed Benazirabad,Pakistan

In this paper authors have concluded the satisfaction of undergraduate students about the e-learning (electronic learning) during pandemic situation. The data is collected through research questionarrie from 94 students of Information Technology departmentof Shaheed Benazir Bhutto University, Shaheed Benazirabad. From the total participants 75.5% were male and 24.5% were female. from the result analysis we concluded that those students who are already computer literate and established financial background they managed to learn by home however those who have lack of computer knowledge, belongs from the rural areas and unavailability of internet facility they are not supposed to manage the online classes. few students reports that they don’t have computing devices and internet facility therefore they come at the friend’s residency to attend the online class or to attempt the online examination. As we asked one open-ended question to share their experience about the online learning, from that response we have calculated overall sentiments about the students through the MonkeyLearn online tool, results of sentiments shows that 55.3% positive emotions and reset of the students showed negative emotions about the online learning.

Online Education: Benefits, Challenges and Strategies During and After COVID-19 in Higher Education

The pandemic COVID-19 has forcefully shifted the mode of teaching and learning from only face to face to online in the higher education of Nepal, which is new experiences and practices for many of the teachers and students. In this context, this study investigated teachers’ and learners’ perspectives on online education in relation to its benefits, challenges and strategies during and after COVID-19 in higher education of Nepal. To achieve this objective, online survey research design was employed. Survey questionnaire were used in the study to determine the perspectives of 280 teachers and students from five universities of Nepal. The results showed that the participants experienced online education beneficial primarily for promoting online research, connecting the practitioners to the global community and getting huge and authentic resource of knowledge though they have found time-management skills, more freedom to the teachers and learners, and reliable internet at workplace as the extreme challenges. The research also revealed time management skills, technological prepared and computer literate are the basic qualities for the practitioners who want to have online education. The participants suggested that ICT policy should be clear and courses should be developed accordingly. Only online mode of teaching and learning in the context of Nepal cannot be effective so the participants preferred blended learning. The findings of the research indicated that online education can be an alternative means of traditional education. Thus, if blended approach is implemented, the education process would be more effective and successful in the contexts like Nepal.

Towards Sustainability in E-Banking Website Assessment Methods

Nowadays, banking services have evolved from offline financial services to online platforms available in the form of websites and mobile applications. While multiple methods exist for evaluation of generic-purpose websites, the appraisal of banking services requires a more sophisticated approach. Multiple factors need to be taken into consideration, revolving not only around technical and usability aspects of the sites, but also considering the economic and anti-crisis factors. Moreover, due to the fact that one of the groups of people interested in banking services assessment are potential clients, which might or might not be technically and theoretically literate, a sustainable approach to banking services evaluation is needed. The main contribution of this paper is a sustainable approach balancing the evaluation accuracy with usage simplicity and computational complexity of evaluation methods. Also, a reference model for banking services evaluation is provided. In practical terms, a set of all significant commercial banking services in Poland is assessed. Last, but not least, a preliminary study of practical applicability of various evaluation methods amongst computer-literate banking clients is performed.

Research on Technology Competencies in EFL Language Instructors: Technology-Pedagogy-Content in Language Teaching

Background:Living in the digital era where the information and communication technologies (ICTs) have extensively changed the way of teaching, language instructors, in particular, should be computer literate to put their technical knowledge into practice in such a way they effectively integrate technology into language learning classrooms.Methodology:The research contextualizes teachers’ beliefs and competencies of using the Technological Pedagogical Content Knowledge (TPCK) in teaching English as a foreign language. The study is an extension of previous research carried out by Tovar et at., (2019), and Tovar (2019). It applied a survey-based questionnaire, an unstructured interview, and classroom observations for data collection. The assessment instruments were administrated to EFL language instructors, who work in the Language Center at the Technical University of Cotopaxi.Findings:Results revealed that a high percentage of the EFL language instructors are not familiar with the use of the TPCK model and its integration into their classroom practices. This support the claim that teachers probably have technological knowledge, but they are not well-prepared to combine teaching resources and appropriate pedagogical methods for language teaching and learning.Conclusions:The study hopes that research outcomes arise linguistic implications and pedagogical applications for developing teachers’ TPCK competencies when integrating technology in EFL classroom settings. Limitations, as well as considerations for further research, are discussed.

Leveraging Family Dynamics to Increase the Effectiveness of Incentives for Physical Activity: The FIT-FAM Randomized Controlled Trial

Background In Singapore, 37% of adults are insufficiently active despite widespread opportunities for physical activity (PA). Research shows that PA can be increased by use of group-based extrinsic incentives. This study evaluates whether a novel incentive design linking children’s incentives to both their own and their parent’s PA (measured via pedometers) can increase parents’ PA without compromising children’s PA. Methods We conducted a two-arm, parallel, open-labelled randomized controlled trial where parent-child dyads were randomly assigned to either (1) rewards to the child contingent on child’s PA (child-based) or (2) rewards to the child contingent on both child’s and parent’s PA (family-based). Parents had to be English-speaking, computer-literate, non-pregnant, full-time employees, aged 25–65 years, and with a participating child aged 7–11 years. Parent-child dyads were randomized within strata (self-reported low vs high weekly PA) into study arms in a 1:1 ratio. Participants were given pedometers to assess daily steps. The primary outcome was the between-arm difference in the change from baseline in parent’s mean steps/day measured by accelerometry at months 6 and 12. Results 159 and 157 parent-child dyads were randomized to the child-based or family-based arms, respectively, and all with outcomes evaluated an intent-to-treat perspective. At month 6, there was a statistically significant 613 steps/day (95% CI: 54–1171) differential in favour of family-based parents. At month 12, the differential was reduced to 369 steps/day (95% CI: -88–1114) and no longer statistically significant. Conclusions Our findings provide evidence that family-based incentive strategies have the potential to improve outcomes at no additional cost but also indicate that more research is needed to identify strategies that encourage long-term behavior change for both parents and children.