FinTech in COVID-19 and Beyond: What Factors Are Affecting Customers’ Choice of FinTech Applications?

Mohammad K. Al nawayseh

doi:10.3390/joitmc6040153

FinTech in COVID-19 and Beyond: What Factors Are Affecting Customers’ Choice of FinTech Applications?

Journal of Open Innovation Technology Market and Complexity ◽

10.3390/joitmc6040153 ◽

2020 ◽

Vol 6 (4) ◽

pp. 153 ◽

Cited By ~ 1

Author(s):

Mohammad K. Al nawayseh

Keyword(s):

Financial Services ◽

Structural Equation ◽

Service Providers ◽

Equation Modeling ◽

Intention To Use ◽

Factors Affecting ◽

Modeling Techniques ◽

Customer Trust ◽

The Relationship

Accessing financial services is considered one of the main challenges facing communities during crises. This research studies the role of using FinTech applications to build resilience during the COVID-19 pandemic. The research empirically examines the factors affecting Jordanian citizens’ intention to use FinTech applications. The sample of the research comprised 500 potential FinTech service users in Jordan. Based on the research conceptual model, five hypotheses were developed and tested using structural equation modeling techniques (SEM-PLS). The research results indicate that perceived benefits and social norms significantly affect the intention to use FinTech applications. However, it has been found that perceived technology risks do not significantly affect the intention to use FinTech applications. Moreover, the results also indicate that customer trust is significantly mediating the relationship between perceived risks and intention to use FinTech applications. FinTech service providers should insure that their products are easy to use, fulfill needs and protect consumers’ data in order to ensure trust, hence positively influencing consumer adoption.

Download Full-text

Quality and image: The role of satisfaction and trust as intervening variables on loyalty of customer’s internet service providers

Jurnal Manajemen dan Pemasaran Jasa ◽

10.25105/jmpj.v14i2.9358 ◽

2021 ◽

Vol 14 (2) ◽

pp. 282

Author(s):

Teuku Meldi Kesuma ◽

Mukhlis Yunus ◽

M. Ridha Siregar ◽

Abdul Muzammil

Keyword(s):

Customer Satisfaction ◽

Service Quality ◽

Customer Loyalty ◽

Structural Equation ◽

Service Providers ◽

Corporate Image ◽

Equation Modeling ◽

Internet Service ◽

Customer Trust

Many factors can affect customer loyalty that some of them are service quality and corporate image. There are two objectives of this study. First, this study explains service quality and corporate image effects as antecedents for customer satisfaction, trust, and loyalty. Second, this study investigates the role of customer satisfaction and trust in mediating the service quality and corporate image effects on customer loyalty in the context of ISP customers. By using the purposive sampling technique, this study researched 270 ISP customers. The sample of data was statistically analyzed with the Structural Equation Modeling (SEM) and the Confirmatory Factor Analysis (CFA). This study confirmed that customer satisfaction, customer trust, and loyalty were directly affected by service quality and corporate image. Customer satisfaction and customer trust influenced customer loyalty significantly. The role of customer satisfaction and customer trust indirectly in mediating service quality and corporate image effects on customer loyalty was also confirmed by partial mediation. This study concludes by arguing that it needs to pay attention to service quality and the company’s good name levels to maintain customer loyalty.

Download Full-text

The Role of Religiosity in Explaining the Intention to use Islamic FinTech Among MSME Actors

International Journal of Islamic Economics and Finance (IJIEF) ◽

10.18196/ijief.v4i2.11833 ◽

2021 ◽

Vol 4 (2) ◽

Author(s):

Rifaldi Majid

Keyword(s):

Financial Services ◽

Structural Equation ◽

Ease Of Use ◽

Partial Least Square ◽

Perceived Usefulness ◽

Least Square ◽

Equation Modeling ◽

Intention To Use ◽

Perceived Ease Of Use

Islamic FinTech is growing rapidly and has become a new alternative of financing for micro, small, and medium enterprises (MSME) which are the backbone of the national economy. This study aims to examine the role of religiosity level of MSMEs actors on the intention to use Islamic FinTech. This research employed Partial Least Square - Structural Equation Modeling (PLS-SEM) method. The data collected using an online questionnaire adapted from previous research, then distributed to 100 Indonesian MSME actors and analyzed using smart PLS. The main result indicated religiosity plays a positively significant role in explaining the intention to use Islamic FinTech. In addition, Perceived Usefulness (PU), Perceived Ease of Use (PEOU), and Subjective Norm (SN) were also found to be influential, while both, Attitude Toward Behavior (ATB) and Perceived Behavioral Control (PBC), have no significant effect on behavioral intention. This research implicates the need for collaboration between the Financial Services Authority (OJK) as the regulator with Islamic FinTech institutions to improve literacy, providing incentives, strengthening consumer data protection, as well as integrating the values from the religious angle in the concept and practice of FinTech product and services that are based on Islamic guideline in order to attract the users from MSME actors.

Download Full-text

Analisis Peranan Kepuasan Dan Komitmen Sebagai Perantara Pengaruh Kualitas Jasa Tutorial Online Terhadap Loyalitas Mahasiswa

Jurnal Manajemen ◽

10.31937/manajemen.v9i2.718 ◽

2018 ◽

Vol 9 (2) ◽

pp. 18-32

Author(s):

Andy Mulyana ◽

Devi Ayuni

Keyword(s):

Service Quality ◽

Structural Equation ◽

Positive Influence ◽

Management Program ◽

Equation Modeling ◽

Online Tutorial ◽

Student Loyalty ◽

The Relationship ◽

Positive Effect

This study aims to evaluate the role of satisfaction and commitment as mediating the effect of service quality on student loyalty as the user of Open University's Online Tutorial. Based on data analysis on student of Management program 229 as respondents with Structural Equation Modeling (SEM), this study found the relationship between: (1) positive influence of service quality to satisfaction and loyalty of students using tuton; (2) the positive effect of satisfaction on student loyalty using tuton; (3) satisfaction is a mediator between service quality and loyalty of students using tuton. Conversely, commitment has no positive effect on student loyalty as a tuton user. In addition, commitment does not mediates the effect of satisfaction on the loyalty of tuton users. Keywords: service quality, satisfaction, commitment, loyalty

Download Full-text

The mediational role of intimate partner acceptance and psychological adjustment in the relationship between intimate partner control and marital adjustment

Current Psychology ◽

10.1007/s12144-021-01468-2 ◽

2021 ◽

Author(s):

Ayşegül Aracı İyiaydın ◽

Zeynep Hatipoğlu Sümer

Keyword(s):

Psychological Adjustment ◽

Structural Equation ◽

Marital Adjustment ◽

Behavioral Control ◽

Intimate Partner ◽

Equation Modeling ◽

Perceived Behavioral Control ◽

Psychological Maladjustment ◽

The Relationship

AbstractGrounded in Interpersonal Acceptance-Rejection Theory (IPARTheory), this exploratory study investigated the associations among perceived intimate partner rejection, intimate partner control, psychological maladjustment, and marital adjustment. Perceived behavioral control in intimate partner relationships has been under-researched within the context of IPARTheory. Although the role of behavioral control in child/adolescent-parent relationships has been well-established, insufficient exploration of the phenomenon in marriage relationships calls for new empirical findings. The conveniently selected sample consisted of 624 (360 female, 264 male) married individuals living in big cities of Turkey. Intimate Partner Acceptance-Rejection/Control Questionnaire, Personality Assessment Questionnaire, Dyadic Adjustment Scale, and Demographic Form were utilized to gather data. Structural Equation Modeling was utilized as the primary analysis to test the proposed sequential mediational model of the study. The results indicated that intimate partner behavioral control was significantly and indirectly associated with marital adjustment through the mediating effects of intimate partner rejection and psychological maladjustment. Moreover, intimate partner rejection had direct effects on psychological maladjustment and marital adjustment. The indirect effect of intimate partner rejection on marital adjustment via the mediation of psychological maladjustment was found to be significant. Lastly, the sequential mediation by intimate partner rejection and psychological maladjustment in the relationship between intimate partner control and marital adjustment was also significant. This study adds to the existing literature on IPARTheory by showing that perceived intimate partner behavioral control is quite negatively related to marital adjustment. Results underscore how perceived behavioral control by a spouse triggers rejection and diminishes the psychological adjustment of the controlled partner.

Download Full-text

The Diffusion Mechanism of Megaproject Citizenship Behavior: The Role of Institutional Isomorphism

Sustainability ◽

10.3390/su13158123 ◽

2021 ◽

Vol 13 (15) ◽

pp. 8123

Author(s):

Delei Yang ◽

Jun Zhu ◽

Qingbin Cui ◽

Qinghua He ◽

Xian Zheng

Keyword(s):

Structural Equation ◽

Diffusion Mechanism ◽

Vital Role ◽

Citizenship Behavior ◽

Equation Modeling ◽

Positive Effects ◽

Diffusion Limited ◽

The Relationship ◽

Mimetic Isomorphism

Megaproject citizenship behavior (MCB) has been confirmed to a play vital role on megaproject performance. Although current research has argued that institution elements have had an impact on MCB diffusion, limited studies have empirically investigated the distinct effectiveness of various institution elements on driving MCB’s widespread diffusion in construction megaprojects. Based on institution theory, this study proposes a theoretical model comprising institutional elements (i.e., normative and mimetic isomorphism), owner’s support, relationship-based trust, and their effect or impact on MCB’s diffusion. Based on 171 industrial questionnaires collected from managers of contractors and designers in megaprojects. Partial least squares structural equation modeling (PLS-SEM) was used to validate the established model. The results indicated that both normative and mimetic isomorphism have positive effects on facilitating MCB diffusion, and owner’s support has shown partial mediation in promoting MCB diffusion through normative isomorphism, as well as full mediation in the promoting of MCB diffusion through mimetic isomorphism. Meanwhile, relationship-based trust exerts a positive moderating effect on the relationship between mimetic isomorphism and MCB. This study extends current literature on driving MCB diffusion from the perspective of institutional theory, contributing by providing four implications for megaprojects managers to “buy in” more extensive MCB.

Download Full-text

Sustainable Orientation of Management Capability and Innovative Performance: The Mediating Effect of Knowledge Management

Sustainability ◽

10.3390/su12041366 ◽

2020 ◽

Vol 12 (4) ◽

pp. 1366

Author(s):

Julio C. Acosta-Prado ◽

Oscar H. López-Montoya ◽

Carlos Sanchís-Pedregosa ◽

Ulpiano J. Vázquez-Martínez

Keyword(s):

Knowledge Management ◽

Structural Equation ◽

Health Sector ◽

Mediating Effect ◽

Equation Modeling ◽

Innovative Performance ◽

Management Capability ◽

The Relationship ◽

Positive Effect

The literature suggests that innovation allows organizations to reach a desirable level of sustainability. There is evidence to support the role of knowledge management (KM) as well as management capability (MC) in producing a sustainable approach at organizations. Furthermore, organizations commonly achieve sustainable practices through corporate social responsibility (CSR). In particular, the health sector is increasingly implementing CSR strategies, although with a narrow understanding of the factors to success. Hence, trends lead to asymmetric growth between organizations. This study aims to examine the mediating role of KM in the relationship between MC and innovative performance (IP) in 331 Health Provider Institutions (HPIs). The research reflective model was assessed through Partial Least Squares Structural Equation Modeling (PLS-SEM). According to the results, MC has a positive effect on IP, MC has a positive effect on KM, and KM has a positive effect on IP. Likewise, KM significantly mediates the relationship between MC and IP. Our findings support the importance of KM in addressing MCs in HPIs as it enables innovative practices to address CSR goals to achieve a sustainable impact. Moreover, this study contributes by expanding KM to contexts that are not usually studied, such as health in a South American country.

Download Full-text

Iranian Coaches Forgiveness and Relationship Quality to Their Athletes

International Sport Coaching Journal ◽

10.1123/iscj.2020-0099 ◽

2021 ◽

pp. 1-8

Author(s):

Hassan Gharayagh Zandi ◽

Sahar Zarei ◽

Mohammad Ali Besharat ◽

Davoud Houminiyan sharif abadi ◽

Ahmad Bagher Zadeh

Keyword(s):

Relationship Quality ◽

Structural Equation ◽

Equation Modeling ◽

Data Sets ◽

Mediating Role ◽

Interpersonal Behaviors ◽

Key Factor ◽

The Relationship

Coaching has often been viewed as a context within which coaches operate to largely bring about changes in athlete’s performance and flourishing. One key factor to successful outcomes in coaching is the quality of the relationship between coaches and athletes. The coach–athlete relationship is at the heart of coaching; however, limited studies have been conducted on its antecedents. The aim of this study was to investigate the relationship between coaches’ forgiveness and perceived relationship quality toward their athletes through verifying the mediating role of interpersonal behaviors of coaches. A total of 270 Iranian coaches participated in the survey, and the data sets were analyzed using structural equation modeling. Results revealed that forgiveness positively predicted the coaches’ perceived relationship quality with their athletes, and this pathway was mediated by the coaches’ interpersonal behaviors.

Download Full-text

The effects of cruise attributes on impulse buying behavior: the mediating role of impulsive buying tendency

International Journal of Quality and Service Sciences ◽

10.1108/ijqss-09-2020-0141 ◽

2021 ◽

Vol ahead-of-print (ahead-of-print) ◽

Author(s):

Jookyung Kwon ◽

Jiseon Ahn

Keyword(s):

Service Providers ◽

Equation Modeling ◽

Impulse Buying ◽

Buying Behavior ◽

Content Type ◽

Mediating Role ◽

Impulsive Buying ◽

Positive Direct ◽

The Relationship

Purpose This study aims to examine the effects of cruise attributes on impulse buying of service customers through impulsive buying tendency. Specifically, this study investigates whether service attributes (variety of selection and price) influence the impulsive buying behavior of customers by stimulating their impulsive buying tendency. Design/methodology/approach Partial least squares-structural equation modeling was used to test the hypothesis using a sample of 143 cruise customers. Mediating analysis was conducted to examine whether customer personal traits (impulsivity) mediated the relationship between service attributes and impulsive buying behavior. Findings The findings showed that price attributions had a significant positive direct impact on impulsive buying tendency and behavior, while a variety of selections had a significant direct effect on impulse buying behavior. The results revealed a significant mediating role of impulsive buying tendency in the relationship between price attributions and impulse buying. Originality/value Although studies on the decision-making style of service customers have been widely discussed, a limited number of studies has examined customers’ impulsive buying behavior in the service sector. Considering the importance of impulsive purchasing as a valuable marketing tool, the results of this study can help service providers and researchers enhance their knowledge of the mechanism of impulse buying behavior.

Download Full-text

Influence of Trust on Customer Engagement: Empirical Evidence From the Insurance Industry in Ghana

SAGE Open ◽

10.1177/2158244019899104 ◽

2020 ◽

Vol 10 (1) ◽

pp. 215824401989910 ◽

Cited By ~ 1

Author(s):

James Agyei ◽

Shaorong Sun ◽

Eugene Abrokwah ◽

Emmanuel Kofi Penney ◽

Richmond Ofori-Boafo

Keyword(s):

Customer Loyalty ◽

Life Insurance ◽

Service Provider ◽

Structural Equation ◽

Insurance Industry ◽

Customer Engagement ◽

Equation Modeling ◽

Mediating Role ◽

Customer Trust

This study examined the influence of trust dimensions on customer engagement, and the resultant impact of customer engagement on customer loyalty in the context of life insurance. Furthermore, it investigated the mediating role of customer engagement in the relationships between trust dimensions and customer loyalty. A total of 452 valid responses from life insurance customers in Ghana were examined using structural equation modeling (SEM). The results revealed that trust in service provider, trust in the regulator, economy-based trust, and information-based trust significantly influence customer engagement, with trust in service provider and trust in the regulator driving a higher level of customer engagement. The results also uncovered that customer engagement significantly enriches customer loyalty and mediated the relationships between the trust dimensions and customer loyalty. The findings highlight the importance of building convincing customer trust to advance customer engagement and customer loyalty.

Download Full-text

An Empirical Analysis of Mobile Banking Adoption in Vietnam

10.31219/osf.io/94zxp ◽

2020 ◽

Author(s):

Bui Nhat Vuong

Keyword(s):

Mobile Phone ◽

Structural Equation ◽

Banking Sector ◽

Service Providers ◽

The Body ◽

Equation Modeling ◽

Perceived Behavioral Control ◽

Intention To Use ◽

Mobile Banking ◽

Banking Services

Mobile phones with banking technology are becoming more readily available in Vietnam. Similarly, many financial institutions and mobile phone service providers are teaming up to provide several banking services to customers via the mobile phone. However, the number of people who choose to adopt or use such technologies is still relatively low. Therefore, there is a need to assess the acceptance of such technologies to establish factors that hinder or promote customer’s intention to use mobile banking. Survey data collected from 452 consumers was analyzed to provide evidence. Results from the partial least squares structural equation modeling (PLS-SEM) using the SmartPLS 3.0 program indicated that perceived easy to use, perceived credibility, usefulness, attitude, perceived behavioral control and subjective norm are significant with respect to the customer’s intention to use mobile banking services. The results of the data analysis contribute to the body of knowledge by demonstrating that the above factors are critical in intention to use mobile banking in a developing country context. The finding of this study can also help marketers in the banking sector offer more suitable marketing strategies in their field in order to make higher attractiveness with mobile banking

Download Full-text