Computers in human behavior reports最新文献_第3页

Consumer impulse buying in Hungary: A CB-SEM analysis of Hungarian consumer behaviour towards mobile short video applications based on a Chinese reference model 匈牙利消费者的冲动性购买：基于中国参考模型的匈牙利消费者对移动短视频应用行为的 CB-SEM 分析

IF 4.9 Q1 PSYCHOLOGY, EXPERIMENTAL

Computers in human behavior reports

Pub Date : 2024-11-08 DOI: 10.1016/j.chbr.2024.100522

Tamás Vinkóczi, Izabella Mária Végvári, Martina Németh, Judit Petra Koltai

Mobile Short Video Applications are becoming increasingly popular worldwide. The appropriate content can shape, improve or change consumers' purchasing decisions. This paper examines the attitudinal differences in impulse buying related to the use and acceptance of MSAs by adapting a model already validated in China to Hungarian users. The analysis was conducted using Covariance-Based Structural Equation Modelling (CB-SEM). A structured questionnaire survey of 283 respondents in Hungary shows that the Chinese model cannot fully be applied to Hungary. A major difference between the results of the two models is that in the Hungarian model, perceived expertise shows a positive relationship with flow experience. This indicates that video makers - in the case of Hungarian videos - should produce content including introductory information and the operation of the product. The results suggest that in the case of MSA use in Hungary, perceived expertise affects impulse buying indirectly, but flow experience directly. Flow experience is only influenced by perceived expertise (β = 0.31, ρ < 0.05), with an explained variance of 10%. Flow experience (β = 0.46, ρ < 0.05) with its direct effect on impulse buying behaviour accounts for 21% of the variance. Hungarian and Chinese MSA users have different preferences in terms of content, thus the results provide important information for both international short video creators and companies entering the international market.

移动短视频应用在全球日益流行。适当的内容可以影响、改善或改变消费者的购买决策。本文通过将已在中国得到验证的模型适用于匈牙利用户，研究了与使用和接受 MSA 相关的冲动性购买的态度差异。分析采用了基于协方差的结构方程模型（CB-SEM）。对匈牙利 283 名受访者进行的结构化问卷调查显示，中国模型不能完全适用于匈牙利。两个模型结果的主要区别在于，在匈牙利模型中，感知到的专业知识与流量经验呈正相关。这表明，视频制作者--就匈牙利视频而言--应制作包括介绍信息和产品操作在内的内容。结果表明，在匈牙利使用 MSA 的案例中，感知到的专业知识会间接影响冲动购买，但会直接影响流动体验。流动体验仅受感知到的专业知识影响（β = 0.31，ρ < 0.05），解释方差为 10%。流量体验（β = 0.46，ρ < 0.05）对冲动购买行为有直接影响，占方差的 21%。匈牙利和中国的澳门金沙线上领彩金网用户在内容方面有着不同的偏好，因此研究结果为国际短视频创作者和进入国际市场的公司提供了重要信息。

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引用次数: 0

Too much of a good thing: How varying levels of automation impact user performance in a simulated intrusion detection task 好东西太多：不同程度的自动化如何影响用户在模拟入侵检测任务中的表现

IF 4.9 Q1 PSYCHOLOGY, EXPERIMENTAL

Computers in human behavior reports

Pub Date : 2024-11-06 DOI: 10.1016/j.chbr.2024.100511

Robert Thomson , Daniel N. Cassenti , Thom Hawkins

Cyber analysts face a demanding task when prioritizing alerts from intrusion detection systems, balancing the challenge of numerous false positives from rule-based methods with the critical need to detect genuine cyber threats, necessitating unwavering vigilance and imposing a significant cognitive burden. In this field, there exists pressure to incorporate artificial intelligence techniques to enhance the automation of analyst workflows, yet without a clear grasp of how elevating the Level of Automation impacts the allocation of attentional and cognitive resources among analysts. This paper describes a simulated AI-assisted intrusion detection task which varies five degrees of automation as well as the sensitivity of the assistant, evaluating performance-based (e.g., accuracy, response time, sensitivity, response bias) and subjective (e.g., surveys on workload and trust) measures. Participants white-listed a series of time-sensitive alerts in a simulated Snort® environment. Our findings indicate that elevating the level of automation altered participants’ behavior, evident in their tendency to display a response bias towards rejecting hits (reduced hit rate and false alarm rate) when overriding an AI’s decision. Additionally, participants subjectively reported experiencing a decreased cognitive workload with a more precise algorithm, irrespective of any variance in their actual performance. Our findings suggest the necessity for additional research before implementing further automation into analyst workflows, as the demands of tasks evolve with escalating levels of automation.

网络分析师在对入侵检测系统发出的警报进行优先排序时面临着一项艰巨的任务，既要应对基于规则的方法产生的大量误报，又要满足检测真正网络威胁的关键需求，这就要求分析师时刻保持警惕，并承受巨大的认知负担。在这一领域，人们面临着采用人工智能技术提高分析师工作流程自动化的压力，但却不清楚自动化水平的提高如何影响分析师的注意力和认知资源分配。本文介绍了一项模拟人工智能辅助入侵检测任务，该任务有五种不同的自动化程度以及助手的灵敏度，对基于性能（如准确性、响应时间、灵敏度、响应偏差）和主观（如工作量和信任度调查）的衡量标准进行了评估。参与者在模拟 Snort® 环境中将一系列具有时间敏感性的警报列入白名单。我们的研究结果表明，自动化水平的提高改变了参与者的行为，这表现在他们在推翻人工智能决策时倾向于拒绝命中（降低命中率和误报率）。此外，参与者主观地表示，使用更精确的算法后，他们的认知工作量减少了，而与实际表现的差异无关。我们的研究结果表明，在分析师工作流程中实施进一步自动化之前，有必要进行更多的研究，因为随着自动化水平的不断提高，任务的需求也在不断变化。

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引用次数: 0

An approach based on data mining and genetic algorithm to optimizing time series clustering for efficient segmentation of customer behavior 基于数据挖掘和遗传算法的方法，优化时间序列聚类，有效细分客户行为

IF 4.9 Q1 PSYCHOLOGY, EXPERIMENTAL

Computers in human behavior reports

Pub Date : 2024-11-01 DOI: 10.1016/j.chbr.2024.100520

Hodjat (Hojatollah) Hamidi, Bahare Haghi

In today's highly competitive market, organizations face significant challenges in accurately understanding and segmenting customer behavior due to the inherently dynamic and evolving nature of customer interactions over time. Traditional customer segmentation methods often neglect these temporal variations, leading to ineffective business strategies and missed opportunities. This research addresses this critical gap by introducing an innovative time series-based approach for customer behavior segmentation. By modeling each customer's behavior as a time series capturing key metrics such as purchase frequency, transaction amounts, and customer lifecycle costs the proposed method dynamically adapts to behavioral changes over time. To enhance segmentation precision, a genetic algorithm is employed to optimize feature weights, ensuring that the most relevant factors are emphasized. These optimized features are then clustered using spectral clustering to identify distinct and meaningful customer segments. The effectiveness of the proposed method is validated using 30 months of transactional data from a payment services company. The results demonstrate that the proposed approach, particularly when combined with spectral clustering and optimally weighted features, significantly surpassing the performance of traditional static segmentation techniques. This research not only provides a more accurate framework for uncovering hidden patterns in customer behavior but also delivers actionable insights for targeted marketing and personalized customer strategies.

在当今竞争激烈的市场中，由于客户互动本身具有动态性和随时间不断变化的特点，企业在准确理解和细分客户行为方面面临着巨大挑战。传统的客户细分方法往往忽视了这些时间上的变化，导致商业战略失效，错失良机。本研究通过引入一种基于时间序列的客户行为细分创新方法，弥补了这一关键差距。通过将每个客户的行为建模为一个时间序列，捕捉购买频率、交易金额和客户生命周期成本等关键指标，所提出的方法可动态适应随时间推移的行为变化。为了提高细分的精确度，我们采用了遗传算法来优化特征权重，确保强调最相关的因素。然后使用频谱聚类对这些优化后的特征进行聚类，以确定独特而有意义的客户细分。我们使用一家支付服务公司 30 个月的交易数据验证了所提方法的有效性。结果表明，所提出的方法，尤其是与频谱聚类和优化加权特征相结合时，其性能大大超过了传统的静态细分技术。这项研究不仅为揭示客户行为中隐藏的模式提供了一个更准确的框架，还为有针对性的营销和个性化客户战略提供了可行的见解。

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引用次数: 0

Development and validation of a mental eHealth literacy scale 开发和验证心理电子健康素养量表

IF 4.9 Q1 PSYCHOLOGY, EXPERIMENTAL

Computers in human behavior reports

Pub Date : 2024-10-30 DOI: 10.1016/j.chbr.2024.100518

Richard Huan Xu , Yuan Cao , Dong Dong , Eliza Lai-yi Wong , Sherry Kit-wa Chan

Objectives

This study aimed to develop a new instrument called the Mental eHealth Literacy Scale (MeHLS) to specifically measure mental eHealth literacy and to assess its psychometric properties in the Chinese population of Hong Kong.

Methods

The MeHLS was developed by a mixed-method study design with five phases. Psychometric properties were evaluated using both classical test theory and item response theory (IRT) approaches. For construct validity, we used exploratory factor analysis (EFA) and confirmatory factor analysis (CFA). We assessed convergent validity through hypothesized correlation analysis and known-group validity via ANOVA. We measured internal consistency using Cronbach's Alpha and test-retest reliability using the intraclass correlation coefficient. Receiver Operating Characteristic (ROC) was used to determine the optimal cut-off point of the MeHLS.

Results

A total of 2064 individuals completed the survey. Both EFA and CFA demonstrated a three-factor structure of the MeHLS, aligning with the design. The IRT analysis showed the discrimination value ranged between 1.580 and 3.296, with no items having disordered thresholds. Correlation analysis revealed that MeHLS was significantly associated with all concept-related instruments, indicating good convergent validity. ANOVA results demonstrated that MeHLS can significantly differentiate individuals in all risk groups. The MeHLS showed good reliability, with a Cronbach's Alpha of 0.95 and an Intraclass Correlation Coefficient of 0.75. ROC analysis confirmed a cut-off score of 67 to differentiate individuals with high and low MeHL.

Conclusion

The MeHLS is a multidimensional instrument that shows good psychometric properties for measuring web-based mental health literacy.

本研究旨在开发一种名为心理电子健康素养量表（MeHLS）的新工具，以专门测量香港华裔人口的心理电子健康素养，并评估其心理测量学特性。我们采用经典测验理论和项目反应理论（IRT）方法对心理测量特性进行了评估。在构造效度方面，我们采用了探索性因素分析（EFA）和确认性因素分析（CFA）。我们通过假设相关分析评估了收敛效度，并通过方差分析评估了已知组效度。我们使用 Cronbach's Alpha 测量内部一致性，使用类内相关系数测量测试-再测可靠性。接收者操作特征（ROC）用于确定 MeHLS 的最佳截断点。EFA和CFA均显示出MeHLS的三因素结构，与设计相符。IRT分析表明，辨别值介于1.580和3.296之间，没有项目的阈值紊乱。相关性分析表明，MeHLS 与所有概念相关工具都有明显的相关性，表明其具有良好的趋同效度。方差分析结果表明，MeHLS 能明显区分所有风险组别中的个体。MeHLS 显示出良好的可靠性，Cronbach's Alpha 为 0.95，类内相关系数为 0.75。结论MeHLS是一种多维工具，在测量基于网络的心理健康素养方面显示出良好的心理测量特性。

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引用次数: 0

Interactive external representations for knowledge-building processes and performance in dyads: An experimental study 互动式外部表征促进二人组的知识积累过程和绩效：一项实验研究

IF 4.9 Q1 PSYCHOLOGY, EXPERIMENTAL

Computers in human behavior reports

Pub Date : 2024-10-29 DOI: 10.1016/j.chbr.2024.100519

Magdalena Mateescu , Simone Kauffeld

Digital tools that enable the production and manipulation of interactive external representations (IER) could be vital in strengthening collaboration and boosting performance. This experimental study with 40 participants working in dyads at a Large Interactive Surface examined the effects of IER on the collaborative processes and solution quality. The results show that even minor changes in interactivity can influence both collaborative processes and solution quality. Specifically, higher interactivity led to higher convergence of mental models and solution quality. Additionally, the dyads in the higher interactivity condition tended to focus on different aspects of the problem space, i.e. macro vs. micro-level interaction. Although the level of interactivity did not directly affect conversational turn-taking, the cross-recurrence quantification analysis revealed that it may change dyads' collaborative patterns. High interactive external representations may foster more complex collaboration dynamics with a plurality of patterns. Unexpectedly, turn-taking had no bearing on the solution quality, which is especially surprising considering the results of previous research. The findings contribute to understanding team cognition by taking a nuanced view of digital technology's role in team efficiency and convergence of the mental models. The practical implications of the findings are discussed.

能够制作和操作交互式外部表征（IER）的数字工具对于加强协作和提高绩效至关重要。这项实验研究有 40 人参加，他们在大型交互表面上以二人一组的方式工作，研究了 IER 对协作过程和解决方案质量的影响。结果表明，即使是互动性的微小变化也会影响协作过程和解决方案的质量。具体来说，互动性越高，心智模型的趋同性和解决方案的质量就越高。此外，高互动性条件下的二人组倾向于关注问题空间的不同方面，即宏观与微观层面的互动。虽然互动水平并不直接影响会话的轮流进行，但交叉复现量化分析表明，互动水平可能会改变两人的合作模式。高互动性的外部表征可能会促进更复杂的合作动态，并产生多种合作模式。出乎意料的是，轮流对解决方案的质量没有影响，考虑到之前的研究结果，这一点尤其令人惊讶。这些研究结果有助于理解团队认知，从细微处探讨了数字技术在团队效率和心智模式趋同方面的作用。本文还讨论了研究结果的实际意义。

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引用次数: 0

Cross-cultural study on social media usage and its correlation with mental health and family functioning 关于社交媒体使用及其与心理健康和家庭功能相关性的跨文化研究

IF 4.9 Q1 PSYCHOLOGY, EXPERIMENTAL

Computers in human behavior reports

Pub Date : 2024-10-28 DOI: 10.1016/j.chbr.2024.100513

Bdour Alwuqaysi, Alfie Abdul-Rahman, Rita Borgo

Social media has the potential to influence both mental health and family dynamics significantly. However, there is limited research on the relationship between social media usage, mental health, and family functioning. To address this gap, we developed a novel mobile app, Social Brain, and conducted a study with 563 social media users to evaluate their preferences for the app's interface and functionality. The user-preference app design was validated with a separate study involving 65 social media users.

The Social Brain app provides personalized, visually engaging weekly reports on users’ mental health, family functioning, and social media usage patterns. Participants from Saudi Arabia, Malaysia, and the United Kingdom were recruited to use the app for four weeks. A detailed survey conducted with 25 participants revealed significant correlations: mental health was notably associated with marital and employment status, while family functioning was linked to marital status, nationality, employment status, and religion.

Our results indicated a significant decrease in mean mental health scores after using the Social Brain app compared to pre-app usage assessments (2.11 ± 0.49 vs. 25.28 ± 5.72, P < 0.001). This finding highlights the need to view technology as a complement rather than a replacement for traditional mental health approaches. Our study offers valuable insights into the complex relationship between social media usage, mental health, and family functioning, suggesting pathways for future interventions at this intersection.

社交媒体有可能对心理健康和家庭动态产生重大影响。然而，有关社交媒体使用、心理健康和家庭功能之间关系的研究却很有限。为了填补这一空白，我们开发了一款新颖的移动应用程序 "社交大脑"，并对 563 名社交媒体用户进行了研究，以评估他们对应用程序界面和功能的偏好。社交大脑 "应用程序提供个性化、可视化的用户心理健康、家庭功能和社交媒体使用模式周报。我们招募了来自沙特阿拉伯、马来西亚和英国的参与者使用该应用程序，为期四周。我们的结果表明，与使用前的评估结果相比，使用社交大脑应用程序后的平均心理健康得分显著下降（2.11 ± 0.49 vs. 25.28 ± 5.72，P < 0.001）。这一发现强调了将技术视为传统心理健康方法的补充而非替代的必要性。我们的研究为了解社交媒体使用、心理健康和家庭功能之间的复杂关系提供了有价值的见解，并为未来在这一交叉点上的干预措施提出了建议。

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引用次数: 0

Effect of business games on learning perception and satisfaction of students on technical courses in business administration integrated into high school 商业游戏对高中工商管理技术课程学生学习感知和满意度的影响

IF 4.9 Q1 PSYCHOLOGY, EXPERIMENTAL

Computers in human behavior reports

Pub Date : 2024-10-22 DOI: 10.1016/j.chbr.2024.100515

Adonai José Lacruz , Eduardo Sofiate

The research aims to investigate the effect of business games on learning perception and the satisfaction of students in technical courses in Business Administration integrated with high school from the analytical perspective of Experiential learning. To achieve this objective, a study was conducted using three different types of business games (online computerised, board, and gamebook), with students completing the technical course integrated into high school at the Federal Institute of Espírito Santo (Ifes) in Brazil. Data were collected using a self-administered online questionnaire and analysed using partial least squares structural equation modelling. Two competing models were evaluated. In both cases, the experience of the game has an effect on learning perception and satisfaction. However, one considers that learning perception has an effect on satisfaction and another in which it is the satisfaction that has an effect on learning perception (i.e., the halo effect). The study's results demonstrated that experience in the business game has a positive effect on students' perception of learning and satisfaction and that the hypothesis of the existence of the halo effect was rejected. This suggests that business games can be adjusted to fit different levels of education, depending on how they are applied.

本研究旨在从体验式学习的分析角度出发，调查商业游戏对学习感知的影响以及高中工商管理技术课程学生的满意度。为实现这一目标，研究使用了三种不同类型的商业游戏（在线电脑游戏、棋盘游戏和游戏书），对象是巴西圣埃斯皮里图联邦学院（Ifes）高中技术课程的学生。数据通过自填式在线问卷收集，并使用偏最小二乘法结构方程模型进行分析。对两个相互竞争的模型进行了评估。在两种情况下，游戏体验对学习感知和满意度都有影响。但是，一种认为学习感知对满意度有影响，另一种认为是满意度对学习感知有影响（即光环效应）。研究结果表明，在商业游戏中的体验对学生的学习感知和满意度有积极影响，并且否定了存在光环效应的假设。这表明，商业游戏可以根据其应用方式进行调整，以适应不同的教育水平。

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引用次数: 0

Depression and excessive internet use: The mediating roles of anxiety and intellectual difficulties 抑郁与过度使用互联网：焦虑和智力障碍的中介作用

IF 4.9 Q1 PSYCHOLOGY, EXPERIMENTAL

Computers in human behavior reports

Pub Date : 2024-10-22 DOI: 10.1016/j.chbr.2024.100512

Meysam Haddadi Barzoki

The Internet has become an integral part of modern life, providing easy access to resources that fulfill various human needs. This study examines the factors influencing Excessive Internet Use (EIU) among adolescents, with a focus on mental health, intellectual difficulties and sociodemographic factors, to better understand risk factors and inform targeted interventions. A total of 155,166 adolescents aged 13–17 years participated in this questionnaire-based study, utilizing national survey data. The findings reveal a social gradient in EIU, with disadvantaged groups—such as girls, sexual minorities, and those from lower/middle socioeconomic statuses—showing a higher tendency towards EIU compared to advantaged groups, including boys, heterosexuals, and individuals from higher SES backgrounds. Regression analysis identified intellectual difficulties and anxiety disorders as the strongest predictors of EIU. Mediation analysis underscore the mediating roles of anxiety and intellectual difficulties in the relationship between depressive symptoms and EIU. The moderation analysis indicated that the relationship between depressive symptoms and EIU was weaker among disadvantaged adolescents. The findings suggest that interventions addressing EIU should be tailored to the specific needs of disadvantaged groups, particularly girls, sexual minorities, and those from lower-SES backgrounds, who are at higher risk. Additionally, the attenuated impact of depressive symptoms on EIU in these groups indicates that anxiety disorders and intellectual difficulties may play a more critical role in driving EIU, highlighting the importance of comprehensive mental health strategies that extend beyond treating depression alone.

互联网已成为现代生活不可或缺的一部分，它提供了获取资源的便捷途径，满足了人类的各种需求。本研究探讨了影响青少年过度使用互联网（EIU）的因素，重点关注心理健康、智力障碍和社会人口因素，以便更好地了解风险因素，为有针对性的干预措施提供依据。共有 155,166 名 13-17 岁的青少年参与了这项基于问卷的研究，研究利用的是全国性调查数据。研究结果表明，与男孩、异性恋者和社会经济地位较高的个人等优势群体相比，弱势群体（如女孩、性少数群体和社会经济地位中下等者）在 "EIU "方面表现出更高的倾向性。回归分析表明，智力障碍和焦虑症是预测 "儿童孤独症 "的最主要因素。中介分析强调了焦虑症和智力障碍在抑郁症状与 EIU 之间关系中的中介作用。调节分析表明，在弱势青少年中，抑郁症状与EIU之间的关系较弱。研究结果表明，针对EIU的干预措施应针对弱势群体的特殊需要，尤其是女孩、性少数群体和社会经济地位较低的群体，因为他们面临的风险更高。此外，在这些群体中，抑郁症状对EIU的影响减弱，这表明焦虑症和智力障碍可能在驱动EIU方面起着更为关键的作用，这凸显了综合心理健康策略的重要性，而不仅仅是治疗抑郁症。

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引用次数: 0

The impact of virtual computer screen backgrounds on subjective performance evaluation in online videoconferences 虚拟电脑屏幕背景对在线视频会议主观绩效评价的影响

IF 4.9 Q1 PSYCHOLOGY, EXPERIMENTAL

Computers in human behavior reports

Pub Date : 2024-10-22 DOI: 10.1016/j.chbr.2024.100516

Katharina Reiter , Alwine Mohnen , Gari Walkowitz

We investigate the influence of real and virtual computer screen backgrounds in Zoom videoconferences on subjective performance evaluation. Using an incentivized online experiment (N = 210), we systematically vary workers' computer screen backgrounds in a supervisor–worker bargaining situation carried out in a videoconference. We find a significant influence of workers' applied computer screen backgrounds on supervisors' subjective performance evaluations, with significantly more positive ratings when workers use a virtual white background than a real white background (d = 0.47). This finding is robust when we control for workers' measurable and salient objective performance and gender and for supervisors' gender and age. Regarding the underlying processes, we show that supervisors' perceptions of the workers’ likability and trustworthiness enhance subjective performance evaluations when virtual white videoconference backgrounds are applied. Practical implications for the application of human resource practices in digitalized environments are discussed.

我们研究了 Zoom 视频会议中真实和虚拟电脑屏幕背景对主观绩效评估的影响。通过一个激励性在线实验（N = 210），我们系统地改变了视频会议中主管与工人讨价还价情境中工人的电脑屏幕背景。我们发现，工人使用的电脑屏幕背景对主管的主观绩效评价有明显影响，工人使用虚拟白色背景时，主管的正面评价明显高于真实白色背景（d = 0.47）。当我们控制了工人的可测量和突出的客观绩效和性别以及主管的性别和年龄后，这一发现是稳健的。关于潜在的过程，我们表明，在使用虚拟白色视频会议背景时，主管对工作人员可亲度和可信度的感知会提高主观绩效评价。我们还讨论了在数字化环境中应用人力资源实践的实际意义。

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引用次数: 0

Digital payment systems in an emerging economy 新兴经济体的数字支付系统

IF 4.9 Q1 PSYCHOLOGY, EXPERIMENTAL

Computers in human behavior reports

Pub Date : 2024-10-22 DOI: 10.1016/j.chbr.2024.100517

Romny Ly , Bora Ly

This study investigates the factors influencing the adoption of digital payment systems in Cambodia, employing a quantitative approach with 359 Cambodian participants. The research integrates concepts from the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB) to explore the relationships between perceived ease of use (PEU), perceived usefulness, public attitudes, perceived behavioral control, financial literacy, and the adoption of digital payment systems. Using Partial Least Squares Structural Equation Modeling (PLS-SEM), the study identifies a significant positive relationship between PEU and attitudes toward digital payment systems, corroborating the TAM's assertion that ease of use is a crucial determinant in technology acceptance. The findings also highlight the critical role of perceived usefulness, extending its implications to include convenience, security, and transactional efficiency. The study underscores the influence of public attitudes and perceived behavioral control on adopting digital payment systems, particularly in an emerging economy. In addition, it reveals the impact of financial literacy, not only as a determinant of adoption but also as a mediator in the relationship between public attitudes and adoption. Behavioral nudges are also identified as significant influences in this context. The research contributes to understanding digital payment adoption in emerging markets. It provides digital financial technology insights for practitioners, policymakers, and educators.

本研究采用定量方法，对 359 名柬埔寨参与者进行了调查，探讨了影响柬埔寨采用数字支付系统的因素。研究综合了技术接受模型（TAM）和计划行为理论（TPB）的概念，探讨了感知易用性（PEU）、感知有用性、公众态度、感知行为控制、金融知识和采用数字支付系统之间的关系。通过使用偏最小二乘法结构方程模型（PLS-SEM），研究确定了感知易用性（PEU）与对数字支付系统的态度之间存在显著的正相关关系，从而证实了 TAM 的观点，即易用性是技术接受的关键决定因素。研究结果还强调了感知有用性的关键作用，并将其影响扩展到便利性、安全性和交易效率。研究强调了公众态度和感知行为控制对采用数字支付系统的影响，尤其是在新兴经济体。此外，研究还揭示了金融知识的影响，金融知识不仅是采用数字支付系统的决定因素，也是公众态度与采用数字支付系统之间关系的中介。在这种情况下，行为引导也被认为是重要的影响因素。这项研究有助于了解新兴市场采用数字支付的情况。它为从业人员、政策制定者和教育工作者提供了数字金融技术方面的见解。

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引用次数: 0