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Do socio-economic factors impede the engagement in online banking transactions? Evidence from Ghana
(2020)
Researchers have long pondered on the online banking transaction adoption. Some of these studies focus primarily on the motivating factors that affect customers’ intention to adopt/accept these services (technologies). However, research into the constraining factors, in particular socio-economic factors, barely exist in the literature, especially in the context of sub-Saharan Africa. Against this background, the paper seeks to fill in this gap by: (1) assessing the socio-economic factors impeding the engagement of e-banking transactions among retail bank customers in Ghana, and (2) examining the moderating effect of ‘customer experience of Internet’ on the identified factors that inhibit the engagement in online banking in Ghana. The paper used a quantitative research approach to obtain data from two leading Ghanaian banks. Out of the 450 questionnaires distributed, 393 were valid for analysis. Data were analyzed with the aid of PLS-SEM (partial least squares and structural equation modeling). Findings revealed that perceived knowledge gap and the price of digital devices were directly important to the intention to disembark on e-banking transactions among Ghanaian bank customers. Whilst customer experience (frequent use of the Internet), as a moderator variable, has a significant effect on the interaction between perceived knowledge gap and the intent to disembark on e-banking transactions; and finance charges and the intent to disembark on e-banking transactions. Study implications and directions for future research are discussed in the paper.
Until recently, studies regarding e-banking transactions have focused more on motivational factors that trigger the intention to accept and use the e-banking transaction, rather than the de-motivational factors that propel the action. However, in the developing countries like Sub-Sahara economies, the factors associated with the former have not been explored and are still rudimentary in the literature. Drawing from the Technology Threat Avoidance Theory (TTAT), the study seeks to examine the impact of online identity theft on customers’ willingness to engage in e-banking transactions in Ghana. A quantitative survey of 393 valid responses from retail bank customers amongst two leading commercial banks in Ghana for the analyses. Results from the PLS-SEM showed that the research constructs; perceived online identity theft’ positively and significantly predict “fear of financial loss”, “fear of reputational damage”, and “security and privacy concern” whilst the former has a negative mediated-relationship between perceived online identity theft and the intention to engage in e-banking transaction. This study is the first of its kind that has extended the application of the TTAT framework into the study of e-banking transactions. The study serves as a practical tool that will enable the banks in their quest to assess customers’ restriction/aversion towards the use of Fintech while ensuring sustainable growth of e-banking transactions in an emerging economy context. The study is limited to only banking institutions in Ghana without considering other players in the financial sub-sector. Future research direction has been suggested in the concluding part of the paper.
Usability und User Experience (UX) haben als Design-Aspekte in der Produktentwicklung zunehmend an Bedeutung gewonnen. Daher ist es sinnvoll, die organisationale Kompetenz zur Ent-wicklung von Produkten mit einer positiven UX zu stärken. Ver-änderungen in Organisationen sind jedoch mit großem Aufwand verbunden. Deshalb müssen Organisationen entscheiden, welche Aktivitäten zur Veränderung der eigenen Kompetenz durchge-führt werden sollen und welche nicht. Die bisherige Forschung hat sich weitgehend auf die Anwendbarkeit bestimmter Metho-den im Projekt- und Produktkontext konzentriert. Um geeignete Aktivitäten zur Verbesserung der organisationalen UX-Kompetenz zu identifizieren, wurden 17 UX-Professionals be-fragt. Diese UX-Professionals haben mindestens zehn Jahre Er-fahrung durch die Arbeit in mehreren Unternehmen und durch die Übernahme einer Führungsrolle im Bereich UX gesammelt. Aus diesen Interviews wurden 13 mögliche Maßnahmen zur Steigerung der UX-Kompetenz von Organisationen abgeleitet. Dazu gehören beispielsweise die Erhöhung der Kompetenz ein-zelner Mitarbeiter, das Teilen von UX-Erfolgsgeschichten oder das Ermöglichen von User Research.
This paper reports on a short-term study abroad program which used cooperative international research projects to enhance the program experience. Both individualized small group research projects and a joint multinational public opinion survey were integrated into the program. The projects were designed to force the program participants to systematically confront key issues associated with the International Finance theme of the program before, during, and after the off-campus period. Thus, the projects served to prepare the program participants for the program, enhance the off-campus period, and provide a lens through which the participant could reflect on their experiences. While this paper reports the experience primarily from the U.S. university group’s perspective, the impact and integration at the other partner schools is discussed. The authors wish to express their gratitude to everyone who supported the effort at each stage of the process and at each location involved in the program.
In 1991 the researchers at the center for the Learning Sciences of Carnegie Mellon University were confronted with the confusing question of “where is AI” from the users, who were interacting with AI but did not realize it. Three decades of research and we are still facing the same issue with the AItechnology users. In the lack of users’ awareness and mutual understanding of AI-enabled systems between designers and users, informal theories of the users about how a system works (“Folk theories”) become inevitable but can lead to misconceptions and ineffective interactions. To shape appropriate mental models of AI-based systems, explainable AI has been suggested by AI practitioners. However, a profound understanding of the current users’ perception of AI is still missing. In this study, we introduce the term “Perceived AI” as “AI defined from the perspective of its users”. We then present our preliminary results from deep-interviews with 50 AItechnology users, which provide a framework for our future research approach towards a better understanding of PAI and users’ folk theories.
Business Management
(2020)
Background: While work-related rumination increases the risk of acute stressors developing into chronic load reactions and adverse health, mental detachment has been suggested as a way to interrupt this chain. Despite the importance of mentally detaching from work during leisure time, workers seem to struggle to disengage and, instead, experience the constant mental representation of work-related stressors, regardless of their absence. Those who struggle with work-related rumination could benefit from an easy-access intervention that fosters mental detachment by promoting recreational activities. Especially during vacations, workers appear to naturally engage in sufficient recovery activities; however, this beneficial behaviour is not sustained. The smartphone app-based intervention “Holidaily” promotes recovery behaviour and, thus, mental detachment from work with the intension of extending the beneficial effects of workers’ vacations into their daily working life.
Methods: This randomised-controlled trial (RCT) evaluates the efficacy of “Holidaily”. The Holidaily app is a German stand-alone program for mobile devices with either Android/iOS operating systems. The sample includes workers, who are awaiting to go on vacation and are randomly assigned to either the intervention (IG) or a waitlist-control group (CG). The IG receives two weeks pre-vacation access to Holidaily, while the CG receives access two weeks post-vacation. On a daily basis participants in the IG are provided with three options promoting recreational activities and beneficial recovery experiences. Online questionnaires are distributed to all participants at several timepoints. The primary outcome measure assesses participants’ work-related rumination (Irritation Scale). A significant difference two weeks post-vacation is expected, favouring the IG. Secondary outcomes include symptoms of depression, insomnia severity, emotional exhaustion, thinking about work, recovery experiences, vacation specifics, work and personal characteristics. To help explain the intervention’s effect, explorative analyses will investigate the mediation properties of the frequency of engaging in recreational activities and the moderation properties of Holidaily users’ experiences.
Discussion: If successful, workers will maintain their recovery behaviour beyond their vacation into daily working life. Findings could, therefore, provide evidence for low-intensity interventions that could be very valuable from a public-health perspective. App-based interventions have greater reach; hence, more workers might access preventative tools to protect themselves from developing adverse health effects linked to work-related rumination. Further studies will still be needed to investigate whether the vacation phenomenon of “lots of fun quickly gone” can be defied and long-term benefits attained.
Neben der individuellen Bedeutung von Gesundheit für jeden Menschen, steigt auch die Relevanz von „gesunden Beschäftigten“. Gerade in Zeiten von Vollbeschäftigung, Fachkräftemangel und höherem Renteneintrittsalter, rückt die Gesundheit der Beschäftigten und die damit verbundene Arbeitsfähigkeit jedes Einzelnen stärker in den Fokus. Staat, Sozialversicherungsträger und Unternehmen sind zunehmend daran interessiert, Arbeitsplätze und Arbeitsbedingungen gesundheitsförderlich zu gestalten. Hierbei bildet die BGF den Rahmen für die existierenden gesundheitsförderlichen Interventionen, die in einer Vielzahl im betrieblichen Setting vorzufinden sind. Die Arbeitspause kann in diesem Kontext als geeignete Intervention angesehen werden, die jedoch sehr vielfältig in der Ausgestaltung sein kann.
Green infrastructure improves environmental health in cities, benefits human health, and provides habitat for wildlife. Increasing urbanization has demanded the expansion of urban areas and transformation of existing cities. The adoption of compact design in urban planning is a recommended strategy to minimize environmental impacts; however, it may undermine green infrastructure networks within cities as it sets a battleground for urban space. Under this scenario, multifunctionality of green spaces is highly desirable but reconciling human needs and biodiversity conservation in a limited space is still a challenge. Through a systematic review, we first compiled urban green space's characteristics that affect mental health and urban wildlife support, and then identified potential synergies and trade-offs between these dimensions. A framework based on the One Health approach is proposed, synthesizing the interlinkages between green space quality, mental health, and wildlife support; providing a new holistic perspective on the topic. Looking at the human-wildlife-environment relationships simultaneously may contribute to practical guidance on more effective green space design and management that benefit all dimensions.
Die 2010er Jahre waren durch einen starken Anstieg der Mieten und der Kaufpreise gerade in den Ballungsräumen gekennzeichnet. Hieraus wird teilweise abgeleitet, dass Wohnen "die soziale Frage unserer Zeit" sei. In dieser Analyse wird auf der Grundlage des Sozio-oekonomischen Panels (SOEP) die Entwicklung der Wohnkostenbelastung im Längs- und Querschnitt analysiert. Außerdem wird die historische Bedeutung der sozialen Frage erläutert. Insgesamt zeigt sich, dass die starke Arbeitsmarktentwicklung in Kombination mit einer Reduktion der Wohnflächen die Wohnkostenbelastung bei vielen Haushalten konstant gehalten hat. Nur bei wenigen Haushalten gibt es tatsächlich einen merklichen Anstieg der Belastung, jedoch bei gleichzeitig gestiegener Zufriedenheit mit der Wohnsituation. Auch wenn Wohnen damit nicht als die soziale Frage unserer Zeit bezeichnet werden kann, brauchen doch zahlreiche Haushalte Unterstützung. Insbesondere aufgrund der virusbedingten Wirtschaftskrise im Jahr 2020 dürfte deren Zahl noch steigen. Die dafür zur Verfügung stehenden Instrumente wie das Wohngeld und Sozialwohnungen sollten gestärkt werden, aber gerade bei Sozialwohnungen sollte darauf geachtet werden, die soziale Treffsicherheit zu verbessern.
