Demographic Influences on E-Payment Services

2017 ◽  
Vol 13 (1) ◽  
pp. 44-65 ◽  
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.

Demographic Influences on E-Payment Services

2018 ◽  
pp. 1542-1564
Author(s):  
Winfred Yaokumah ◽  
Peace Kumah ◽  
Eric Saviour Aryee Okai
Keyword(s):  
Customer Satisfaction ◽  
T Test ◽  
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.

Demographic Influences on E-Payment Services

2019 ◽  
pp. 653-675
Author(s):  
Winfred Yaokumah ◽  
Peace Kumah ◽  
Eric Saviour Aryee Okai
Keyword(s):  
Customer Satisfaction ◽  
T Test ◽  
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.

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

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.

scholarly journals ICT LITERACY OF LANGUAGE TEACHERS IN SELECTED LAGOS STATE SECONDARY SCHOOLS, NIGERIA

2014 ◽  
Vol 3 (3) ◽  
Author(s):  
Oludare Adebanji Shorunke ◽  
Solomn O. Makinde ◽  
Omawumi O. Makinde
Keyword(s):  
Information And Communication Technology ◽  
Communication Technology ◽  
Information Age ◽  
Skills Training ◽  
Language Teachers ◽  
Education Sector ◽  
Ict Literacy ◽  
Ict Skills ◽  
Lagos State ◽  
Information And Communication

This study contributes to the limited research available on Information and Communication Technology (ICT) literacy of language teachers in Nigeria. The advent of ICT brought new opportunities that require a skill set to operate better and faster, even in the education sector.  The case for teachers’ ICT literacy is cogent in the information age to update them on their areas of specialization. The use of ICT requires some skills to enhance the access and retrieval of the required information without undue stress. The level of ICT skills a teacher possesses may affect the extent to which the teacher puts ICT to use. This study revealed that majority of the respondents made use of ICT resources. The study revealed that aggregately a large proportion of the teachers are ICT literate. This study made recommendations to improve ICT skills training and access to ICT resources.

The Degree of Islamic Education Teachers' Commitment for the Teaching Career Ethics from the School Principals' Viewpoint in Jerash Governorate: درجة التزام معلمي التربية الإسلامية بأخلاقيات مهنة التعليم من وجهة نظر مديري المدارس في محافظة جرش

2021 ◽  
Vol 5 (28) ◽  
pp. 38-24
Author(s):  
Ahmad Ahmoud Al-Harahsheh Ahmad Ahmoud Al-Harahsheh
Keyword(s):  
Analytical Method ◽  
School Principals ◽  
Islamic Education ◽  
Local Society ◽  
Teaching Career ◽  
Male And Female ◽  
Level Of Education ◽  
Education Experience ◽  
High Degree ◽  
The Relationship

The study aims to recognise "The Degree of Islamic Education Teachers' Commitment for the Teaching Career ethics from the School Principals' Viewpoint in Jerash Governorate. The researcher uses the analytical method. The sample is 80 male and female school principals who are chosen randomly. The questionnaire consists of 54 paragraphs divided into four fields. These fields are the relationship between Islamic Education Teachers and their career (paragraphs 1_14), their relationship with their students (paragraphs 15_30), their relationship with their colleagues (paragraphs 31_44), and the fourth field is the relationship between Islamic Education Teachers and the local society (paragraphs 45_54), The study finds that "The Degree of Islamic Education Teachers' Commitment for the Teaching Career Ethics from the School Principals' Viewpoint in Jerash Governorate" comes generally with high degree. The average of the fields come in the following ascending order: the relationship between Islamic Education Teachers and local society, their career, their students, their colleagues. Also, the results show there are no differences with statistical evidence in their degree of commitment for teaching career ethics according to gender, level of education, experience or the type of university. The study recommends to hold courses and workshops for teachers, school principals and supervisors to enlighten them with the importance of the commitment of teaching career ethics. In addition, it recommends to prepare an ethical charter for new teachers to follow it from the beginning of their work.

Study of Increasing Adoption Trends of Digital Banking and FinTech Products in Indian Payment Systems and Improvement in Customer Services

2021 ◽  
pp. 229-255
Author(s):  
Narinder Kumar Bhasin ◽  
Anupama Rajesh
Keyword(s):  
Customer Satisfaction ◽  
Central Bank ◽  
Banking System ◽  
Government Agencies ◽  
Payment Systems ◽  
Online Payment ◽  
Customer Services ◽  
The Government ◽  
Digital Payments ◽  
The Impact

The objective of massive adaptation of digital payments by the banks with the support of the central bank of any country along with their government agencies is to improve customer services and satisfaction in the online payment systems in place of cashless and paperless payment systems. There are very few researches that have focused to measure the higher customer satisfaction based on factors like trust, risk-free, secure, transparent, accountability of banks, fintech, regulator, and payment system operators. This chapter analyzes the impact of digital banking and fintech in the Indian banking system, initiatives taken by RBI, NPCI, and the government to build the strong trust of customers in online payment systems to ensure improvement in customer services with higher customer satisfaction.

Belief in Supernatural Phenomena and Locus of Control

1973 ◽  
Vol 32 (3_suppl) ◽  
pp. 1159-1162 ◽  
Author(s):  
Rick J. Scheidt
Keyword(s):  
Sex Differences ◽  
Individual Differences ◽  
Locus Of Control ◽  
Analysis Of Variance ◽  
Psychology Students ◽  
Attitude Questionnaire ◽  
Religion And Science ◽  
Male And Female ◽  
Positive Attitudes ◽  
Superstitious Beliefs

It is hypothesized that Rotter's I-E variable mediates individual differences in supernatural and superstitious beliefs, with externals exhibiting more positive attitudes toward such phenomena. An approximately equal number of male and female introductory psychology students were selected as externals ( N = 20) and internals ( N = 23) from upper and lower quartiles of the Rotter I-E scale. All Ss were administered an attitude questionnaire assessing beliefs toward several paranormal, occult, and pseudoscientific phenomena. Analysis via a 2 × 2 (I-E Control × Sex) analysis of variance strongly confirmed the hypothesis ( p < .01). Although not predicted, females, regardless of I-E status, were much more favorably disposed toward such phenomena than males ( p < .01). Differences in more general attitudes toward both religion and science are suggested as mediating the over-all I-E and sex differences.

Extent of ICT Literacy Possessed by Librarians in Federal University Libraries in South East Nigeria

2016 ◽  
Vol 7 (3) ◽  
pp. 13-22
Author(s):  
A. U. Nwabueze ◽  
Bridget Oluchi Ibeh
Keyword(s):  
Descriptive Statistics ◽  
Academic Librarians ◽  
Ict Literacy ◽  
University Libraries ◽  
Ict Skills ◽  
Service Training ◽  
Training Programmes ◽  
Descriptive Survey ◽  
Training Service ◽  
Structured Questionnaire

This paper examined extent of ICT literacy possessed by librarians in Federal University Libraries in South East Nigeria. The study adopted descriptive survey research design. The population comprised 133 academic librarians. Achievement test and structured questionnaire were used to collect data. Data generated were analyzed using descriptive statistics – simple percentage and arithmetic mean. The major findings include that librarians in Federal University Libraries in South East Nigerian possess high ICT literacy. Librarians in Federal University Libraries of South East Nigerian use ICT-based resources to a high extent The following constraints militate against librarians' acquisition of ICT skills: inadequate funding, poor infrastructural facilities, lack of in house/services training programmes for librarians on ICT, lack of implementation of ICT in the curriculum of library schools, librarians do not participate effectively in professional conferences, seminars and workshops on ICT. The study recommended that management should from time to time organize in-house training /service training on ICT for librarians.

You Can Tell by the Nose—Judging Sex from an Isolated Facial Feature

Perception ◽  
1995 ◽  
Vol 24 (8) ◽  
pp. 969-973 ◽  
Author(s):  
Edward P Chronicle ◽  
Mei-Yin Chan ◽  
Charlotte Hawkings ◽  
Karen Mason ◽  
Kathryn Smethurst ◽  
...  
Keyword(s):  
Analysis Of Variance ◽  
Significant Interaction ◽  
Facial Feature ◽  
Male And Female ◽  
Males And Females ◽  
Physical Variables ◽  
Female Subjects

Measurements taken from the nose are among the most important physical variables which discriminate statistically between male and female faces, yet several investigators have claimed that it is difficult to judge sex on the basis of noses presented in isolation. Previous work on the isolated nose has, however, involved the use of frontal views only, which may have obscured important physical differences between the noses of males and females. An investigation of the accuracy of judgments of the sex of isolated noses observed in frontal, profile, and three-quarter views by male and female subjects is reported. Judgment of sex was performed significantly more accurately than chance in all cases except for frontal views of female noses, where judgment was significantly less accurate than chance. Analysis of variance demonstrated a significant interaction of sex of nose and view of nose, such that male noses were identified better in frontal and in profile views, but female noses better in the three-quarter view. It is suggested that one possible reason for the seemingly contradictory role of the nose in previous studies of sex judgment is that all noses look more male in frontal views. For a nose to be perceived as female, its distinctive shape must be made available to the perceiver; this is most likely from the three-quarter view.

The influence of education and income on responses to the QuickDASH questionnaire

2014 ◽  
Vol 40 (4) ◽  
pp. 401-405 ◽  
Author(s):  
V Finsen
Keyword(s):  
Socioeconomic Factors ◽  
Random Sample ◽  
Analysis Of Variance ◽  
Income Level ◽  
Level Of Evidence ◽  
Men And Women ◽  
Level Of Education ◽  
The Mean

We studied the influence of levels of income and education on QuickDASH scores. The scores were collected in a random sample of 1376 residents of Norway. The level of income was divided into four bands and level of education into five bands. The mean QuickDASH score for both men and women fell with every increase in education and income level. For women the mean score was 30 for those with the shortest education and 9 for those with the longest ( p < 0.001). The corresponding figures for men were 19 and 7 ( p < 0.01). The women with the lowest level of income had a mean score of 23, compared with 8 for women with the highest income level ( p < 0.001). For men the corresponding mean scores were 20 and 5 ( p < 0.001). Analysis of variance showed that age alone accounted for 16% of the variability of the scores among women and 7% among men. When levels of education and income were added to the analysis, these three factors accounted for 21% of the variability among women and 13% among men. We conclude that socioeconomic factors significantly influence QuickDASH scores. Level of evidence: 3

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