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The Role of Trust on the Continuance Usage Intention of Indonesian Mobile Payment Application 信任对印尼移动支付应用持续使用意向的作用
IF 0.7 Q3 Business, Management and Accounting Pub Date : 2024-05-02 DOI: 10.22146/gamaijb.70452
Ayu Diana Ansori, S. Nugroho
Mobile payment is a fascinating innovation, developed by the banking and fintech industries. It is growing very fast, shadowing the popularity of smartphones in Indonesia. However, the continuance usage intention of mobile payment still needs to be determined. Based on prior studies, this study investigates trust as an important factor in promoting the m-payment continuance usage intention.Furthermore, drawing upon the innovation diffusion theory, the study uses the model by Shao et al. (2019) to investigate the antecedents of trust: mobility, customization, security, and reputation, and analyzes the moderating effect of gender on the relationship between trust and its antecedents. It also examines the impact of trust on the perceived risk and continuance intention; and the perceived risk on the continuance intention. The postulated links between the variables were tested using a survey design. With 225 respondents who are e-wallet users in Indonesia, the study finds a positive effect of reputation, security, and customization on trust. Trust positively influences continuance intention, while the link between trust and perceived risk is negative. Compared to the previous study by Shao et al. (2019), the current study finds insignificant relationships between mobility and trust, as well as between the perceived risk and continuance intention. Furthermore, there was no moderating effect of gender on the relationship between trust and its antecedents.
移动支付是银行业和金融科技行业开发的一项令人着迷的创新。随着智能手机在印尼的普及,移动支付的发展也非常迅速。然而,移动支付的持续使用意向仍有待确定。此外,本研究还借鉴了创新扩散理论,使用邵晓明等人(2019)的模型研究了信任的前因:移动性、定制化、安全性和声誉,并分析了性别对信任及其前因之间关系的调节作用。研究还探讨了信任对感知风险和持续意向的影响,以及感知风险对持续意向的影响。研究采用调查设计对变量之间的假设联系进行了检验。通过对印度尼西亚 225 名电子钱包用户的调查,研究发现声誉、安全性和定制化对信任有积极影响。信任对持续意向有积极影响,而信任与感知风险之间的联系是消极的。与 Shao 等人(2019 年)的前一项研究相比,本研究发现流动性与信任之间以及感知风险与持续意向之间的关系并不显著。此外,性别对信任及其前因之间的关系没有调节作用。
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引用次数: 0
Examination of Consumers’ Perceived Quality and Willingness to Buy in the Context of Price Variability and Frequency of Price Change: A Study of Retail Products 在价格波动和价格变动频率的背景下考察消费者的感知质量和购买意愿:零售产品研究
IF 0.7 Q3 Business, Management and Accounting Pub Date : 2024-05-02 DOI: 10.22146/gamaijb.70674
K. Atilgan, E. E. Kangal, Muharrem Talaslioğlu
Marketing managers are able to influence consumers' perceptions of quality and their willingness to buy, using the frequency of price changes and price variability. This study aims to examine the differences in the frequency of price changes and price varia- bility, in terms of the perceived quality and the willingness to buy. For this purpose, using values calculated according to the average and standard deviation of the market price of a specified product, we obtained two different price variations, ±1σ and ±2σ, and price stim- uli determined at two different frequencies of price changes (three and seven times were considered), which resulted in four different participant groups. At the end of the study, a statistically significant difference was only found between consumers in the low price var- iability and infrequent price change condition and consumers in the high price variability and infrequent price change condition, in terms of the perceived quality.
营销经理能够利用价格变动频率和价格变化影响消费者的质量感知和购买意愿。本研究旨在探讨价格变动频率和价格变动性对消费者质量感知和购买意愿的影响。为此,我们使用根据特定产品市场价格的平均值和标准偏差计算出的数值,获得了两种不同的价格变化(±1σ 和 ±2σ),并根据两种不同的价格变化频率(考虑三次和七次)确定了价格刺激,从而产生了四个不同的参与者群体。在研究结束时,仅在低价格可变性和非频繁价格变化条件下的消费者与高价格可变性和非频繁价格变化条件下的消费者之间,在感知质量方面发现了具有统计学意义的差异。
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引用次数: 0
SMEs fintech financing: does board governance matter? 中小企业金融科技融资:董事会治理重要吗?
IF 0.7 Q3 Business, Management and Accounting Pub Date : 2024-05-02 DOI: 10.22146/gamaijb.66123
Zuriawati Zakaria, Y. Kuah
The purpose of this study is to examine the board governance factors that influence a small and medium enterprise’s (SME’s) decision toward fintech financing. A structured questionnaire survey of 90 Malaysian SMEs was used and the data analyzed using the Heckman selection model and the marginal effect model. The results demonstrate that SMEs’ female board members, family board members, and the duality of their CEOs have a significant influence on their decision to obtain financing from fintech platforms. Professional services provided by experts have a negative influence on their decisions to engage in fintech financing. The SMEs’ board size, the length of their chairmen’s service, and non-family board members are negatively related to their decisions to apply for financing. The more male members that were on the board, the more likely the SME was to choose to apply for external financing during the survey year.
本研究旨在探讨影响中小型企业(SME)金融科技融资决策的董事会治理因素。本研究对 90 家马来西亚中小企业进行了结构化问卷调查,并使用赫克曼选择模型和边际效应模型对数据进行了分析。结果表明,中小企业的女性董事会成员、家族董事会成员和首席执行官的双重性对其从金融科技平台获得融资的决策有显著影响。专家提供的专业服务对中小企业参与金融科技融资的决策有负面影响。中小企业董事会的规模、董事长的任期以及非家族董事会成员与它们申请融资的决定呈负相关。在调查年度内,董事会中男性成员越多,中小企业越有可能选择申请外部融资。
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引用次数: 0
Role of Cultural Intelligence and Customer Involvement on Behavioral Loyalty Toward Manufactured Products in Nigeria 文化智能和客户参与对尼日利亚制造产品行为忠诚度的作用
IF 0.7 Q3 Business, Management and Accounting Pub Date : 2024-05-02 DOI: 10.22146/gamaijb.73821
L. Vem, Patrick Ojei Eshue, T. Ramayah
Evidence from the literature reveals that customer loyalty research is growing and is becoming more widely integrated into related disciplines. This study evaluates the role of sales representatives’ cultural intelligence (CI) in the behavioral loyalty (BL) of customers of SMEs in Nigeria, through the mechanism of customer involvement (CuI). Two sets of questionnaires were administered directly to the sales representatives, and indirectly to the customers, via the sales representatives. Three hundred and fifty copies of the sales representatives’ questionnaire were administered, based on the population of 65 manufacturing SMEs and an average of 5.4 copies per SME, while 384 copies of the customers’ questionnaire were sent to the unknown pool of customers. Data were col- lected from the two sets of respondents, which were analyzed through a variance-based structural equation modeling using Smart-PLS software. The results reveal a positive and significant relationship between cultural intelligence and behavioral loyalty, while the in- direct relationship reveals customer involvement does strongly mediate the relationship between the antecedent and the outcome. The findings imply that behavioral loyalty is engendered when sales representatives possess high cultural intelligence, and customers are strategically involved through consultations and product co-creation.
文献证据显示,客户忠诚度研究正在不断发展,并越来越广泛地融入相关学科。本研究通过顾客参与(CuI)机制,评估了销售代表的文化智能(CI)在尼日利亚中小企业顾客行为忠诚(BL)中的作用。研究人员直接向销售代表发放了两套调查问卷,并通过销售代表间接向客户发放了两套调查问卷。根据 65 家制造型中小型企业(平均每家中小型企业 5.4 份)的数量,向销售代表发放了 350 份调查问卷,而向未知客户群发放了 384 份客户调查问卷。从两组受访者中收集了数据,并利用 Smart-PLS 软件通过基于方差的结构方程模型对其进行了分析。结果表明,文化智能与行为忠诚之间存在显著的正相关关系,而直接相关关系则表明,顾客参与在前因与结果之间起到了强有力的中介作用。研究结果表明,当销售代表拥有较高的文化智能,并且客户通过咨询和产品共创进行战略参与时,行为忠诚就会产生。
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引用次数: 0
Indonesian Consumer Complaint Behavior Based on Ethnic Groups and Generations 基于族群和世代的印尼消费者投诉行为
IF 0.7 Q3 Business, Management and Accounting Pub Date : 2024-05-02 DOI: 10.22146/gamaijb.71143
Megawati Simanjuntak, Ilfia Shahirah
Complaint behavior is a response to consumer dissatisfaction after using goods or services. This study aimed to examine the effect of ethnicity and people’s generations on consumer complaint behavior in Indonesia. The variables used were complaint behavior, ethnicity, and generations. The study collected and analyzed 2,100 items of data using descriptive analysis, one-way ANOVA, and multiple linear regression. The findings showed that consumers in Indonesia rarely complain when disappointed with sellers. Generation Y and the Buginese complained more often than other consumer groups. Furthermore, the results showed significant differences in complaint behavior, based on ethnicity and generation. This study also revealed that complaint behavior was significantly influenced by ethnicity and the baby boomer generation.
投诉行为是消费者在使用商品或服务后对不满的一种反应。本研究旨在探讨印尼的民族和世代对消费者投诉行为的影响。使用的变量包括投诉行为、种族和世代。研究采用描述性分析、单因素方差分析和多元线性回归等方法收集并分析了 2100 项数据。研究结果表明,印尼消费者在对卖家失望时很少投诉。与其他消费群体相比,Y 世代和布吉人的投诉频率更高。此外,研究结果表明,不同种族和不同世代的消费者在投诉行为上存在显著差异。这项研究还显示,投诉行为受到种族和婴儿潮一代的显著影响。
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引用次数: 0
Impact of Fintech’s Development on Bank Performance: An Empirical Study from Vietnam 金融科技发展对银行绩效的影响:越南的经验研究
IF 0.7 Q3 Business, Management and Accounting Pub Date : 2024-01-05 DOI: 10.22146/gamaijb.71040
Tien Phat Pham, Hoc Thai Huynh, B. Popesko, S. Hoang, Tri Ba Tran
In recent years, fintech has exploded in popularity and importance in the finan- cial industry. Its impacts have spread widely throughout the world, including Vietnam. This study aims to investigate the effect of fintech’s development on bank performance in Vietnam. Based on the unstructured data about fintech on the financial expert web- sites from Vietnam, the word frequency statistic technique of the text mining approach is applied for measuring fintech’s development under the support of Python-based solu- tions. The bank-level data of 15 Vietnamese banks for the period from the first quarter of 2019 to the second quarter of 2021 are collected from the quarterly financial statements in the Vietstock organization. Python programming and text mining techniques are used to compile this dataset by gathering information from popular and relevant websites. The generalized least squares method is used for estimating the panel models. The estimation result shows the significant impact of fintech’s development on bank profitability, but the net interest margin does not associate with the fintech variable. Besides, some interesting findings are revealed: The slow banking transformation to adapt to the rise of fintech and the COVID-19 pandemic increased bank profitability. Furthermore, suggestions for the banks and fintech companies are recommended, and the limitations and directions for further research are also proposed.
近年来,金融科技在金融业的普及程度和重要性呈爆炸式增长。其影响已在全球广泛传播,越南也不例外。本研究旨在探讨金融科技的发展对越南银行绩效的影响。基于越南金融专家网站上有关金融科技的非结构化数据,在基于 Python 的解决方案支持下,应用文本挖掘方法中的词频统计技术来衡量金融科技的发展。从 Vietstock 机构的季度财务报表中收集了 15 家越南银行 2019 年第一季度至 2021 年第二季度的银行级数据。该数据集采用 Python 编程和文本挖掘技术,从热门相关网站收集信息。使用广义最小二乘法对面板模型进行估计。估计结果显示,金融科技的发展对银行盈利能力有显著影响,但净息差与金融科技变量并无关联。此外,还有一些有趣的发现:银行业为适应金融科技的崛起而进行的缓慢转型以及 COVID-19 的流行提高了银行的盈利能力。此外,还对银行和金融科技公司提出了建议,并提出了进一步研究的局限性和方向。
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引用次数: 0
Linking Relationship Marketing to Customer Loyalty in The E-Banking Context: The Central Role of Customer Satisfaction 将电子银行背景下的关系营销与客户忠诚度联系起来:客户满意度的核心作用
IF 0.7 Q3 Business, Management and Accounting Pub Date : 2024-01-05 DOI: 10.22146/gamaijb.73450
D. Hoang
This research examines the interrelationships between relationship marketing, customer satisfaction and customer loyalty in e-banking’s context. The study was conducted in two phases: In-depth interviews and a quantitative survey with a sample of 690 Vietnamese individual and corporate e-banking customers. The research results show that customer satisfaction mediates the impact of relationship marketing on customer loyalty among individual customers. Meanwhile, instead of customer satisfaction, relationship marketing significantly and directly contributes to the loyalty of the corporate customer group. The significance and magnitude of the effects that the five dimensions of relationship marketing’s effectiveness have on customer satisfaction and loyalty, which include the banks’ commitment, customer experience, process-driven approach, service reliability and application of technology, are also different between the two customer segments. This study theoretically contributes to the research stream regarding the mechanism underlying the relationship between relationship marketing’s effectiveness and customer loyalty in the e-banking context, and proposes practical implications for commercial banks to effectively apply relationship marketing in the virtual business environment.
本研究探讨了电子银行背景下关系营销、客户满意度和客户忠诚度之间的相互关系。研究分两个阶段进行:对 690 名越南个人和企业电子银行客户进行了深入访谈和定量调查。研究结果表明,在个人客户中,客户满意度是关系营销对客户忠诚度影响的中介。同时,关系营销对企业客户群体忠诚度的影响显著且直接,而非客户满意度。关系营销有效性的五个维度(包括银行承诺、客户体验、流程驱动法、服务可靠性和技术应用)对客户满意度和忠诚度的影响的意义和程度在两个客户群之间也有所不同。本研究从理论上对电子银行背景下关系营销的有效性与客户忠诚度之间的关系机制研究做出了贡献,并为商业银行在虚拟商业环境中有效应用关系营销提出了实践意义。
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引用次数: 0
Factors Affecting Early Retirement Intentions With the Mediating Mechanism of Job Engagement 影响提前退休意愿的因素与工作投入的中介机制
IF 0.7 Q3 Business, Management and Accounting Pub Date : 2024-01-05 DOI: 10.22146/gamaijb.72284
Asfand Yar Khan, Dr.Atif Bilal, Nadia Daud, Muhammad Daniyal, Bilal Ahmed, Atiq Ishaq
The main objective of this study is to empirically examine the associations between work goals (intrinsic and extrinsic) and early retirement intentions, with the mediating mechanism of work passion and the moderating role of flexible HR practices, spouse’s health, and position level (employees’ position level in organizations, e.g., junior manager at lower level, deputy manager at middle level, or senior manager at upper level etc.). Data for the study was collected through survey-based questionnaires distributed to a sample of 350 female employees from different public and private sector organizations in Pakistan. Testing of the hypotheses was conducted using structural equation modeling (SEM) with WarpPLS software. The findings indicate that employees’ work goals are  positively related to the level of passion they feel about their work. However, this has a negative impact on their early retirement intentions. Besides, the results show that this work passion mediates the relationship between work goals and early retirement intentions. Furthermore, flexible HR practices, position level, and spouse’s health moderate the relationship between work passion and early retirement intentions. The study’s theoretical and managerial contributions and limitations are also discussed at the end of the article.
本研究的主要目的是实证研究工作目标(内在目标和外在目标)与提前退休意愿之间的关联,其中工作激情是中介机制,灵活的人力资源实践、配偶健康状况和职位级别(员工在组织中的职位级别,如低级别的初级经理、中级别的副经理或高级别的高级经理等)起调节作用。研究数据是通过向来自巴基斯坦不同公私部门组织的 350 名女性雇员发放调查问卷收集的。使用 WarpPLS 软件的结构方程模型(SEM)对假设进行了检验。研究结果表明,员工的工作目标与她们对工作的热情程度呈正相关。然而,这对他们的提前退休意愿有负面影响。此外,研究结果表明,工作激情对工作目标和提前退休意愿之间的关系起着中介作用。此外,灵活的人力资源实践、职位级别和配偶的健康状况也会调节工作激情与提前退休意愿之间的关系。文章最后还讨论了本研究的理论和管理贡献以及局限性。
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引用次数: 0
Service System Innovation and Competitiveness In an Emerging Market: The Moderating Role of Managerial Competencies 新兴市场的服务系统创新与竞争力:管理能力的调节作用
IF 0.7 Q3 Business, Management and Accounting Pub Date : 2024-01-05 DOI: 10.22146/gamaijb.73482
E. Akpan, Anthony Aniagbaoso Igwe, Waribugo Sylva, B. E. Udoh
This study empirically examines the correlation between service system innovation and competitiveness in Nigeria, an emerging market, by focusing on the country’s mobile telecommunications sector. The moderating effect of managerial competencies was also tested. Due to the contribution of the telecommunications sector to the economic well-being of Nigeria and the world’s economy at large, the sector witnesses a high level of competition among its players, resulting in unsustainable price wars, negatively impacting the telecommunication firms and their ability to invest in service improvements. Thus, there is a need for a study into the factors affecting competitiveness in the telecommunications sector. A cross sectional survey was used because the study explored the relationships between service system innovation, managerial competencies and competitiveness. The study used a survey instrument, which was sent to 450 respondents using Google Forms, out of which 230 responded. The 230 returned copies represented a 51.1 percent return rate, which satisfied the minimum required return rate for a cross sectional study. The study’s hypotheses were tested using the partial least squares structural equation model (PLS-SEM). The finding revealed that service system innovation (idea development, service development and commercialization) enhances the competitiveness of mobile telecommunication firms. Thus, an increase in idea development, service development and commercialization is essential for a competitive advantage. Also, managerial competencies were found to significantly moderate the relationship between service system innovation and competitiveness. The study provides a new insight into how service system innovation affects the competitiveness of telecommunications companies, particularly in emerging markets, with Nigeria as the focal point. It also shows the role managerial competencies play in the telecommunications sector. This study offers proof of the traits of service system innovation, managerial competencies, and competitiveness in the telecommunications sector. It also developed and tested a scale for measuring these variables, which future studies could adopt.
本研究以尼日利亚的移动电信行业为重点,通过实证研究探讨了尼日利亚这一新兴市场的服务系统创新与竞争力之间的相关性。同时还检验了管理能力的调节作用。由于电信部门对尼日利亚乃至世界经济的贡献,该部门的参与者之间竞争激烈,导致价格战难以为继,对电信公司及其投资改善服务的能力产生了负面影响。因此,有必要对影响电信行业竞争力的因素进行研究。本研究采用了横截面调查的方法,因为本研究探讨了服务系统创新、管理能力和竞争力之间的关系。研究使用了调查工具,通过谷歌表格向 450 名受访者发送了调查问卷,其中 230 人做出了回复。收回的 230 份问卷的回收率为 51.1%,达到了横断面研究的最低回收率要求。研究假设采用偏最小二乘结构方程模型(PLS-SEM)进行检验。研究结果表明,服务系统创新(创意开发、服务开发和商业化)能增强移动通信企业的竞争力。因此,增加创意开发、服务开发和商业化对竞争优势至关重要。研究还发现,管理能力对服务系统创新与竞争力之间的关系有显著的调节作用。这项研究提供了一个新的视角,让我们了解服务系统创新如何影响电信公司的竞争力,特别是在以尼日利亚为中心的新兴市场。研究还显示了管理能力在电信行业所发挥的作用。本研究证明了服务系统创新、管理能力和电信行业竞争力的特征。本研究还开发并测试了用于衡量这些变量的量表,供今后的研究采用。
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引用次数: 0
Psychological Empowerment Link Using Employee Performance and Organizational Commitment on the Generation Gap: PLS-MGA Analysis 利用员工绩效和组织承诺将心理授权与代沟联系起来:PLS-MGA 分析
IF 0.7 Q3 Business, Management and Accounting Pub Date : 2024-01-05 DOI: 10.22146/gamaijb.65657
Nurshahira Ibrahim, N. I. Mohamad, Farah Ayuni Farinordin, Umi Hamidaton Mohd Soffian Lee, Azman Ismail
The generation gap is critical, especially when employees do not agree about some terms that affect their completion of tasks. This issue is debated in organizations, causing incompatibilities between human resource management and development structures. Hence, these constraints led this study to measure the differences shown by generations X and Y, and how they impact the relationship between psychological empowerment, employee performance, and organizational commitment. This research used questionnaires and in-depth interviews as the main procedures for collecting and obtaining data—196 items of data were received from the Malaysian Islamic Finance Agency. SmartPLS software was used to test the research hypotheses and the differences between the two groups are Gen X and Y (PLS-MGA). The results of the PLS-MGA test confirmed that, in the relationship of psychological empowerment and job performance alone, it was found there was a generational difference between X and Y (p-value < 0.05). However, while running the hypothesis test (using the bootstrapping test), it was found that both hypotheses are acceptable, which shows the relationship between psychological empowerment and job performance based on two different groups, namely Gen Y = t-statistic (10.961) and Gen X = t-statistic (11.993). Thus, H1 is supported. Meanwhile, the relationship between psychological empowerment and organizational commitment is based on two different groups, namely Gen Y = t-statistic (8.675) and Gen X = t-statistic (8.349), which means H2 is also supported. Consequently, it is hoped that the findings of this study will serve as essential guidance for employers in both the public and private sectors. Human resource management teams can use the findings to understand the natural complexity of psychological empowerment constructs in realizing the challenges and difficulties in predicting organizational goals, in terms of job performance and organizational commitment.
代沟至关重要,尤其是当员工对一些影响其完成任务的条款意见不一致时。组织中对这一问题争论不休,导致人力资源管理和发展结构不协调。因此,这些制约因素促使本研究测量 X 代和 Y 代所表现出的差异,以及它们如何影响心理授权、员工绩效和组织承诺之间的关系。本研究采用问卷调查和深度访谈作为收集和获取数据的主要程序--196 项数据来自马来西亚伊斯兰金融局。研究使用了 SmartPLS 软件来检验研究假设以及 X 代和 Y 代两个群体之间的差异(PLS-MGA)。PLS-MGA 检验结果证实,仅就心理授权与工作绩效的关系而言,X 和 Y 两组之间存在代际差异(P 值 < 0.05)。然而,在进行假设检验(使用引导检验)时,发现两个假设都是可以接受的,这表明心理授权与工作绩效之间的关系基于两个不同的群体,即 Y 代 = t 统计量(10.961)和 X 代 = t 统计量(11.993)。因此,H1 得到支持。同时,心理授权与组织承诺之间的关系基于两个不同的群体,即 Y = t 统计量(8.675)和 X = t 统计量(8.349),这意味着 H2 也得到了支持。因此,我们希望本研究的结果能够为公共和私营部门的雇主提供必要的指导。人力资源管理团队可以利用研究结果来理解心理授权建构的自然复杂性,从而认识到在预测工作绩效和组织承诺方面的组织目标时所面临的挑战和困难。
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引用次数: 0
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Gadjah Mada international journal of business
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