Technology Acceptance of E-Banking Services in an Unnatural Environment

Adepoju, Adeyemi Oluwaseun; Adeniji, A.A

doi:10.33215/sjom.v3i3.336

Cited by 11 publications

(8 citation statements)

References 22 publications

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“…Table 3 clearly shows that all the four constructs (AI, big data, E-learning, and H.E.I) met the required thresholds' limit as the value of composite reliability (CR) was above 0.7, and "average variance extracted" (AVE) exceeded 0.5 [38]. e value of "Cronbach's alpha" and rho-A value establish "internal consistency" was also greater than 0.7 [39].…”

Section: Measurement Model Evaluationmentioning

confidence: 99%

Artificial Intelligence and Big Data: The Advent of New Pedagogy in the Adaptive E-Learning System in the Higher Educational Institutions of Saudi Arabia

Khan

Khojah

Vivek

2022

Education Research International

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The operations of many industries, such as banking, insurance, energy, healthcare, and retail, have been improved and transformed by the application of artificial intelligence. The education sector is the particular one which has more potential for artificial intelligence and its applications. Universities and colleges are currently facing a number of challenges, including high rates of dropouts and student disengagement in their classes, as well as the failure of traditional learning techniques in the face of ongoing outbreaks. Major issues in the educational sector can be resolved by the proper application of artificial intelligence and big data, which can facilitate learner-centred approaches as per the needs of today’s era. This can be better described as a personalised learning approach, in which the needs of each and every student can be considered and education can be provided uniquely for them. In this way, the educator can provide a better learning experience according to the needs and ability of the learners/students. Thus, it also assists in enhancing the motivational level of the learners and minimising the dropout rates of the students. The main purpose of the study is to examine the role of artificial intelligence and big data in the adaption of the E-learning system for imparting better education facilities to the students of various colleges and universities situated in Saudi Arabia. The sample dataset for this study was collected through a purposive sampling technique from the 290 students enrolled in numerous higher educational institutions. The collected data were analysed using SPSS and SmartPLS 3 software. The findings of this study reveal that AI and big data assist educators and students as well to run the teaching and learning process smoothly even in the period of an ongoing pandemic at the higher levels of the education system. It also explores the educational inferences of transpiring technologies in the ways of students’ “learning and institutions” teaching and their adaption. In recent eras, technological evolution and an increase in the adoption of latest technologies in the field of higher education have been scouted to forecast the essence of higher education globally in the near future, where AI will be the gist for universities. This study reveals some issues faced by higher educational institutions and students related to the adaptation of these technologies for learning, teaching, administration, and student support. The implications of the present study will be helpful for students and teachers to access educational resources effectively and for educational institutions to improve the efficiency and personalization of learning tasks. Furthermore, it will allow students to get more time with their respective teachers.

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Section: Measurement Model Evaluationmentioning

confidence: 99%

Artificial Intelligence and Big Data: The Advent of New Pedagogy in the Adaptive E-Learning System in the Higher Educational Institutions of Saudi Arabia

Khan

Khojah

Vivek

2022

Education Research International

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“…Alpha" and rho-a value establish internal consistency was also greater than 0.7 [67]. Thus, the constructs' convergent validity was established.…”

Section: Measurement Model Evaluationmentioning

confidence: 80%

Consumer Adoption of Mobile Payment in the Kingdom of Saudi Arabia an Empirical Study

Ali,

Khan,

Nabi

et al. 2024

J. of Law and Sust. Develop.

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Objective: The rapid stride in mobile payment adoption has transformed the payment practices in the 21st Century. Admittedly, m-payment practice has become more intense due to the surge in usage of internet, mobile devices (smart phones), accelerated further by the spread of the Covid-19 Pandemic. Against such a backdrop, it is the need of the hour to investigate: Why are people starting to use mobile payments more and how will that affect their purchasing habits? The study's intention is to add to what's already been written on electronic banking and mobile banking specifically. The study provides a report on m-banking's development, assesses the potential for its adoption, and identifies potential avenues for expansion in Saudi Arabia. They aid Saudi Arabian banking decision-makers in locating and developing strategies for supplying m-banking services that will help them keep their competitive edge. Methods: While electronically distributed surveys can reach more people more quickly and for less money, this method also has the potential to introduce bias into the sample by excluding people who don't have access to the internet. In addition, the data acquired from the respondents in many mobile payment and mobile banking studies can enhance selection bias. Researchers used both paper-print and online survey methods to disseminate survey instruments, reducing selection bias and increasing response rates. Other potential sources of common method bias (CMB) include the retrospective nature of the survey, the use of a commonly used scale format for constructs, and the fact that respondents were asked to provide information about both the independent and dependent variables in the same question. As a result, SEM has emerged as the gold standard in the field of theory testing, especially as it pertains to studies of IS/IT adoption. Statistical modelling with structural equation modelling (SEM) was chosen as the advanced inferential analytic technique for this study. Aim: The present study also aims to identify the perceived risk, trust, self-efficacy, past experience, attitude, anxiety, and customer support associated with the mobile payment. Lastly, this study will be a path-breaking one because of its intended contribution to the policy-makers and to the society at large in the Kingdom of Saudi Arabia. Needless to say, outcome of the study was providing managerial inputs to various mobile payment platforms. Results: Consumers' intent to utilize mobile banking was strongly correlated with their level of trust and Application of Mobile Banking. In similar way Self-efficacy directly and positively related to the consumer intention towards mobile banking adoption. In the same ways, past experience directly and positively related to the consumer intention towards mobile banking adoption. In the same way, there is a positive and direct relationship between customer intention and the use of mobile banking. Lack of a causal relationship between attitude and consumer desire to use mobile banking. Perceived risk not directly and positively related to the consumer intention towards mobile banking adoption Anxiety not directly and positively related to the consumer intention towards mobile banking adoption. Conclusion: This study intends to identify the various drivers of mobile payment adoption by examining how consumers' spending habits have changed in response to the popularity of mobile payment systems and the relationship between various payment mechanisms. The study's primary aim is to establish precisely the point when mobile payments will become the norm can replace debit and credit card transactions. Besides transaction activities, online payment channels are enhancing mobile payment adoption and lead to increase in the online transactions, local penetration further escalating increased transaction activities.

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“…Table 15 clearly shows that all eight constructs satisfy the prescribed limit as the value of Composite Reliability (C.R) was more than 0.7 and "Average Variance Extracted (AVE)" surpassed 0.5 [43]. The value of "Cronbach's Alpha" and "rho-a" value confirmed internal consistency as the value obtained was greater than 0.7 [44]. Hence, the convergent validity of the constructs was proved [45].…”

Section: Convergent Validity Resultsmentioning

confidence: 97%

Impact of Store Design and Atmosphere on Shoppers’ Purchase Decisions: An Empirical Study with Special Reference to Delhi-NCR

et al. 2022

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The main objective of this research is to identify the impact of store design and ambience on consumer purchase decisions in retail chain outlets in Delhi-NCR, India. The foremost purpose of this research was to examine if the design and ambience of retail stores have any effect on the decisions of customers’ purchases. The study was descriptive in nature. For this research, a sample of 100 consumers was drawn who generally visit retail stores for shopping. A systematic questionnaire was prepared to collect the data and to analyze it; SEM, reliability, Convergent, Discriminate Validity and model fitness were achieved through SmartPLS3. The current study’s findings indicate that variables, such as window and mannequin display, visual merchandising, and store design and atmosphere have an effective impact on shoppers’ purchase decisions, whereas lighting and color, music, and signage have negligible effects. The findings of this study will provide managerial involvement to the industry in order to emphasize purchase ambition in order to improve profitability and sustainability. More examination of the factors that contribute to purchase aspiration and in other geological areas is advised for future scrutiny. This study presents a validated instrument for measuring the association between design atmosphere and consumer purchasing behavior and serves as a tool for evaluating the influence of various design atmospheric indicators. It is important to keep a steady staff of well-trained, polite salespeople on hand at all times. Customers are more likely to come back and eventually recommend the store to others if their needs are met by customer-focused salespeople who provide excellent service. This helps the merchant to compete in the market.

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Technology Acceptance of E-Banking Services in an Unnatural Environment

Cited by 11 publications

References 22 publications

Artificial Intelligence and Big Data: The Advent of New Pedagogy in the Adaptive E-Learning System in the Higher Educational Institutions of Saudi Arabia

Artificial Intelligence and Big Data: The Advent of New Pedagogy in the Adaptive E-Learning System in the Higher Educational Institutions of Saudi Arabia

Consumer Adoption of Mobile Payment in the Kingdom of Saudi Arabia an Empirical Study

Impact of Store Design and Atmosphere on Shoppers’ Purchase Decisions: An Empirical Study with Special Reference to Delhi-NCR

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