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Factors that Affect the Adoption of Digital Bank in Indonesia 影响印尼数字银行采用的因素
Pub Date : 2022-10-14 DOI: 10.1145/3572647.3572671
K. Deniswara, Kenneth Audric Nurjadi, Enrique Nathaniel, Yuliana Lisanti, Antonius Deni Paul Lega, Maeda Azalia Wardhani
The purpose of this paper is to examine a model that explains the factors that influence Indonesian customers to adopt digital banks. Digital bank is defined as a conventional bank that transforms digitally using IoTs, Big Data, and AI in industrial revolution 4.0 era and focuses on developing its services to help customers carry out their banking activity The model proposed was based on the unified theory of acceptance and use of technology 2 (UTAUT2) model. Structural equation modelling (SEM) was conducted to analyze the data collected from the questionnaires that are collected from 100 Indonesia digital banking users, the data collected were analyzed using SPSS and AMOS. The result of this paper shows that behavioral intention is significantly influenced by Habit, Trust, Price Value, Performance expectancy, Social Influence. This study provided important contribution to practitioners to know what change that is need, Indonesian Bank to know how to deal with digital bank customers, and digital bank users to know what is digital bank and its function. This study was conducted only in Indonesia which may limit various culture that exist in other country that can lead to different results in future research
本文的目的是检验一个模型,该模型解释了影响印度尼西亚客户采用数字银行的因素。数字银行被定义为在工业革命4.0时代利用物联网、大数据和人工智能进行数字化转型,专注于开发服务以帮助客户开展银行业务的传统银行。提出的模型基于统一接受和使用技术理论2 (UTAUT2)模型。本文采用结构方程模型(SEM)对100名印尼数字银行用户的调查问卷数据进行分析,并使用SPSS和AMOS对收集到的数据进行分析。研究结果表明,行为意向受习惯、信任、价格价值、绩效期望、社会影响的显著影响。该研究为从业者了解需要什么样的变化,印度尼西亚银行了解如何处理数字银行客户,以及数字银行用户了解什么是数字银行及其功能提供了重要贡献。本研究仅在印度尼西亚进行,这可能会限制其他国家存在的各种文化,从而导致未来研究的不同结果
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引用次数: 0
An IS-LM Equilibrium Analysis on Trade Balance and Exchange Rate during the China-US Trade 中美贸易收支与汇率的IS-LM均衡分析
Pub Date : 2022-10-14 DOI: 10.1145/3572647.3572687
Junhao Chen, Yongli Luo
This study examines the China-US trade and its impact on the US trade deficit during 2017-2022. It employs the IS–LM equilibrium model and multiple linear regressions to examine how various phases of trade tariff, the US government deficit, and the bilateral foreign exchange rate affect the US trade deficit. It shows that the Phases 2 & 3 tariffs initiated by the US have a significant impact on China-US trade. It also reveals that the US government deficit has a major contribution to the US trade imbalance. In sum, the results are consistent with the interest rate parity (IRP) theory and the theory of comparative advantage, suggesting that protectionism is unsuccessful in solving international trade imbalance.
本研究考察了2017-2022年中美贸易及其对美国贸易逆差的影响。本文采用IS-LM均衡模型和多元线性回归分析了贸易关税、美国政府赤字和双边汇率对美国贸易赤字的影响。这表明,美国启动的第二和第三阶段关税对中美贸易产生了重大影响。这也揭示了美国政府赤字是造成美国贸易不平衡的主要原因。综上所述,研究结果与利率平价理论和比较优势理论相一致,表明保护主义在解决国际贸易不平衡问题上是不成功的。
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引用次数: 0
Machine Learning Algorithms in Financial Market Risk Prediction 金融市场风险预测中的机器学习算法
Pub Date : 2022-10-14 DOI: 10.1145/3572647.3572692
Zongshun Hu
In the current complex international environment, whether it is data volume, data quality or computing power, the era of big data is different from the past. In addition to data problems, there are also algorithm problems that restrict the development of financial risk control, and the rapid development of machine learning just makes up for this deficiency. The purpose of this paper is to comprehensively compare the default risk early warning effects of machine learning algorithms and traditional statistical Logistic models, and to further select the most appropriate financial risk early warning model in the machine learning algorithm, so as to provide a scientific basis for online lending platforms to select default rate early warning models. method. This paper mainly studies the comparison of the prediction effects of the four models. In the test set, the early warning accuracy rate of the Logistic model is only 62.74%, while the early warning accuracy rate of the machine learning model is generally between 83% and 93%, and the accuracy rate of the integrated algorithm is generally around 90%. The lowest accuracy rate of the Stacking algorithm It also reached 85.8%, while the accuracy of the base classification algorithm was lower than 83%. The results show that, based on the specific scenario of loan risk assessment, the early warning accuracy of the machine learning algorithm is generally higher than that of the Logistic model, and it is more suitable for financial market risk prediction.
在当前复杂的国际环境下,无论是数据量、数据质量还是计算能力,大数据时代都不同于以往。除了数据问题,还有算法问题制约着金融风控的发展,而机器学习的快速发展正好弥补了这一不足。本文的目的是全面比较机器学习算法和传统统计Logistic模型的违约风险预警效果,进一步在机器学习算法中选择最合适的金融风险预警模型,为网络借贷平台选择违约率预警模型提供科学依据。方法。本文主要对四种模型的预测效果进行比较研究。在测试集中,Logistic模型的预警准确率仅为62.74%,而机器学习模型的预警准确率一般在83% ~ 93%之间,综合算法的准确率一般在90%左右。堆叠算法的准确率最低,也达到了85.8%,而基础分类算法的准确率低于83%。结果表明,基于贷款风险评估的具体场景,机器学习算法的预警准确率普遍高于Logistic模型,更适合于金融市场风险预测。
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引用次数: 0
Research on Customer Service System Based on Short-Form Video Mode: Take TikTok as an example 基于短视频模式的客户服务系统研究——以TikTok为例
Pub Date : 2022-10-14 DOI: 10.1145/3572647.3572657
Ying Yuan, Yixin Tian
This year, with the development of mobile information technology and the popularity of mobile smart devices, the live broadcasting industry has developed rapidly. With the attributes of fast transmission speed and strong social interaction, the network live broadcasting has rapidly acquired large-scale user groups. The major live broadcasting platforms have become the gathering and active places for users and businesses. Businesses can build live customer service systems with very low service costs. To solve the service problems of large-scale users nationwide from time to time, it has the advantages of timeliness, interaction and scale of service, which can not be achieved by traditional customer service system.
今年以来,随着移动信息技术的发展和移动智能设备的普及,直播行业发展迅速。网络直播以其传播速度快、社交性强等特点,迅速获得了大规模的用户群体。各大直播平台已经成为用户和商家聚集和活跃的场所。企业可以以非常低的服务成本建立实时客户服务系统。解决不定期全国范围内大规模用户的服务问题,具有传统客服系统无法实现的时效性、互动性和服务规模等优势。
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引用次数: 0
Research on the Construction of "5 + 2" Model of After-school Service in Primary and Secondary Schools under the Background of Big Data 大数据背景下中小学课后服务“5 + 2”模式构建研究
Pub Date : 2022-10-14 DOI: 10.1145/3572647.3572679
Haoyue Wang
With the introduction of the "double reduction" policy, after-school services in primary and secondary schools have become a key concern of students, parents and schools. In order to improve the quality of education and management efficiency. Hangzhou has used big data and Internet technology to create an "after-school service" system integrating family, school, society and bureau, which meets the diverse needs of school management and students, broadening the access channels of social forces and reducing the pressure on schools. This paper introduces the Hangzhou after-school "5 + 2" system in detail from three aspects of the overall system architecture, operation process, technology, and system functions. This paper puts forward specific suggestions for the future development mode of after-school services in primary and secondary schools.
随着“双减”政策的推行,中小学的课后服务已成为学生、家长和学校关注的焦点。以提高教育质量和管理效率。杭州运用大数据和互联网技术,打造家庭、学校、社会、局一体化的“课后服务”体系,满足学校管理层和学生的多样化需求,拓宽社会力量的接入渠道,减轻学校的压力。本文从系统总体架构、操作流程、技术、系统功能三个方面详细介绍了杭州市课外“5 + 2”系统。本文对中小学课后服务的未来发展模式提出了具体的建议。
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引用次数: 0
Carbon Trading Price Forecasting with a Hybrid Arima and LSTM Deep Leaning Methodology 基于Arima和LSTM混合深度学习方法的碳交易价格预测
Pub Date : 2022-10-14 DOI: 10.1145/3572647.3572690
Yuanyuan Hu, Wei Xiao, Bing He, Xin Tang
China's carbon trading market is an emerging market and is influenced by many factors. Considering the regular characteristics of carbon trading price as an important indicator of market development, it is important to make scientific predictions about the price of carbon trading. Since more and more artificial intelligence models (including machine learning models and neural network models, etc.) have been applied to this field in recent years compared to previous studies that mainly used traditional econometric models. This paper tests and evaluates common artificial intelligence models and econometric models in the field of carbon trading price forecasting, taking the carbon trading price of Shenzhen from 2013 to 2020 as an example. It is found that the ARIMA -LSTM hybrid model has the best prediction effect, and the prediction results indicate that the Shenzhen carbon trading market will experience significant fluctuations in the next three years and the carbon trading price will remain unstable.
中国的碳交易市场是一个新兴市场,受诸多因素的影响。考虑到碳交易价格作为市场发展的重要指标具有规律性,对碳交易价格进行科学预测具有重要意义。由于近年来越来越多的人工智能模型(包括机器学习模型和神经网络模型等)被应用到这一领域,而以往的研究主要是使用传统的计量经济模型。本文以2013 - 2020年深圳碳交易价格为例,对碳交易价格预测领域常用的人工智能模型和计量经济学模型进行了检验和评价。研究发现,ARIMA -LSTM混合模型预测效果最好,预测结果表明,未来3年深圳碳交易市场将出现较大波动,碳交易价格将保持不稳定。
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引用次数: 0
Exploring the Influence of Shopping Values on Live Streaming Purchase Intention: A Multi-Group Analysis of Purchase Frequency 探讨购物价值观对直播购买意愿的影响:多群体购买频率分析
Pub Date : 2022-10-14 DOI: 10.1145/3572647.3572653
Hsiu-Chia Ko
Live streaming shopping (LSS) is a social commerce model that has attracted much attention from the public in recent years. This study aims to use shopping value theory and theory of reasoned action as the foundation to investigate how consumers’ perception of the utilitarian and hedonic values of LSS affect their LSS attitude and purchase intention. This study extends the utilitarian value of LSS to include price discount and two key technological features of LSS, namely, visibility and interactivity, to explore how these factors affect LSS purchase intention through LSS attitude empirically. Further, this study conducts a multi-group analysis (MGA) based on LSS purchase frequency. The results indicate that LSS attitude is positively related to purchase intention. Besides, utilitarian value is more likely to increase consumers’ positive LSS attitude than the entertainment value. Among the three types of utilitarian value, price discount has the greatest impact, followed by the visibility and interactivity of LSS. The MGA results unveil that the effect of price discount on LSS attitude is greater among high-purchase frequency buyers; the entertainment value of LSS affects LSS attitude only among low-purchase frequency buyers. The main contribution of this study lies in the discovery that different dimensions of utilitarian value have different effects on LSS attitude and LSS purchase frequency plays an important moderating role in the relationship between perceived values and LSS attitude. The results of this study can be a reference for streamers when developing an LSS sales strategy.
直播购物(Live streaming shopping,简称LSS)是近年来备受关注的一种社交商务模式。本研究旨在以购物价值理论和理性行为理论为基础,探讨消费者对LSS功利价值和享乐价值的感知如何影响其LSS态度和购买意愿。本研究将LSS的功利价值扩展到包括价格折扣和LSS的两个关键技术特征,即可视性和交互性,以实证方式探讨这些因素如何通过LSS态度影响LSS购买意愿。进一步,本研究进行了基于LSS购买频率的多群体分析(MGA)。结果显示,LSS态度与购买意愿正相关。此外,功利价值比娱乐价值更容易增加消费者的积极LSS态度。在三种功利价值类型中,价格折扣的影响最大,其次是LSS的可见性和互动性。MGA结果显示,价格折扣对高购买频率购买者的LSS态度的影响更大;LSS的娱乐价值仅影响低购买频率购买者的LSS态度。本研究的主要贡献在于发现了不同维度的功利价值对LSS态度的影响不同,而LSS购买频率在感知价值与LSS态度的关系中起着重要的调节作用。本研究的结果可为主播制定LSS销售策略提供参考。
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引用次数: 0
Analysis of Impact of Competency, Professionalism, and Audit Deadline on Remote Audit Effectiveness 胜任力、专业精神和审计期限对远程审计有效性的影响分析
Pub Date : 2022-10-14 DOI: 10.1145/3572647.3572661
B. Handoko, Edo Kurniawan
Auditors must begin to develop their skills to face industry 4.0. The spread of Covid-19 has further encouraged auditors to conduct remote audits and provides an opportunity to rethink the way audits are conducted. In this study, the researcher wanted to find out how the influence of competence, professionalism, and audit deadlines on the effectiveness of remote audits. This research is quantitative, with data processing using primary data obtained from distributing questionnaires to auditors who work at Public Accounting Firms in Jakarta. Statistical analysis using multiple linear regression, before conducting a feasibility test through validity, reliability and classical assumption tests. The results showed that the variables of competence, professionalism, and audit time limit had a significant effect on the effectiveness of remote auditing.
审核员必须开始发展他们的技能以面对工业4.0。2019冠状病毒病的传播进一步鼓励了审核员进行远程审计,并提供了重新思考审计方式的机会。在这项研究中,研究者想要找出能力、专业和审计截止日期对远程审计有效性的影响。本研究是定量的,数据处理使用的原始数据是通过向在雅加达公共会计师事务所工作的审计员分发问卷获得的。采用多元线性回归进行统计分析,然后通过效度检验、信度检验和经典假设检验进行可行性检验。结果表明,胜任力、专业性、审计时限等变量对远程审计的有效性有显著影响。
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引用次数: 0
Study On Purchase Intention In Different Live Streaming Scenarios Based On Experimental Approach 基于实验方法的不同直播场景购买意愿研究
Pub Date : 2022-10-14 DOI: 10.1145/3572647.3572654
Diyuan Xu, Feng Long, Xida He
Live streaming e-commerce has exploded recently. While the live streaming traffic is dominated by the top live streamers, merchants and ordinary live streamers attempt to establish self-operating live streaming, but the number of fans and sales performance are far approaching of the top live streamers. By using the experimental approach, it is found that a significant difference in the purchase intention in three different live streaming scenarios: top live streaming, merchants’ self-operating live streaming, and ordinary live streaming. As well as a significant difference in the evaluation from three dimensions: live streamer, product, and live streaming room. More precise analysis results demonstrate that top live streamers are much higher than other streamers in all dimensions after pairwise comparison investigation. Based on the results of the experimental analysis and with reference to consumers' evaluation of the top live streamers, this study provides executable improvement suggestions for merchants’ self-operating live streaming and ordinary live streaming.
直播电子商务最近爆发了。在直播流量由顶级直播商主导的情况下,商家和普通直播商尝试建立自营直播,但粉丝数量和销售业绩都远远接近顶级直播商。通过实验方法发现,在顶级直播、商家自营直播和普通直播三种不同的直播场景下,用户的购买意愿存在显著差异。以及从直播、产品、直播房三个维度的评价上存在显著差异。通过两两对比调查,更精确的分析结果表明,顶级直播主播在各个维度上都远高于其他直播主播。基于实验分析结果,结合消费者对顶级直播的评价,本研究针对商家自营直播和普通直播提出了可执行的改进建议。
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引用次数: 0
Mobile Application for Board of Nutrition-Dietetics and Professional Regulation Commission (PRC) Accreditation Process 营养营养学委员会和专业监管委员会(PRC)认可程序的移动应用程序
Pub Date : 2022-10-14 DOI: 10.1145/3572647.3572660
Faeka D. Ahmed, Val Rindel S. Subaan, John Patrick S. Torio, Joel C. De Goma
The onset of the COVID-19 pandemic delayed certain operations and paved the way to strict travel restrictions. This also meant that the traditional face-to-face process for accreditation inspection was affected. With this, to adapt to the situation, many institutions switched to relying on technology. This study aims to address the digitalization of the Professional Regulation Commission of the Philippines’ monitoring and accreditation system. Hence, the objective of the study is to develop an effective digital system for the Professional Regulation Commission of the Philippines. The Agile Development Lifecycle will be implemented in constructing the system. Mobile Application Test and Performance Test are tests designed to evaluate the system's capabilities and usefulness. The outcomes met the study's goal, which led to the tests being successful.
新冠肺炎大流行的爆发推迟了某些业务,并为严格的旅行限制铺平了道路。这也意味着传统的面对面认证检查程序受到了影响。在这种情况下,为了适应这种情况,许多机构转向依靠技术。本研究旨在解决菲律宾专业监管委员会监测和认证系统的数字化问题。因此,本研究的目的是为菲律宾专业监管委员会开发一个有效的数字系统。敏捷开发生命周期将在构建系统时实现。移动应用测试和性能测试是用来评估系统功能和有用性的测试。结果达到了研究的目标,这导致了测试的成功。
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引用次数: 0
期刊
Proceedings of the 2022 6th International Conference on E-Business and Internet
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