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Mobile banking enables clients to bank virtually without restrictions to time and place. Despite wide adoption of mobile banking around the world, use of mobile banking is still considered low. Philippines has the lowest digital banking penetration across Asian countries although the country known for the title of “SMS-intensive country in the world”. Factor analysis, partial least squares structural equation modelling (PLS-SEM) and ANOVA with bootstrapping were used to test research hypotheses. Findings from 212 Universal bank retail branch clients show that perceived ease of use, perceived usefulness, social influence and trust propensity have significant positive influence on behavioral intention to use mobile banking. Results also show that respondents with matured age (22 years and above), male, at least Bachelor Degree graduate and receiving a monthly income higher than Php 10,001 has higher behavioral intention. This study is relevant for proposing marketing strategies to increase adoption of mobile banking and contribute for further advancement on technology acceptance literature.

The impact of credit risk and macroeconomic factors on profitability: the case of the ASEAN banks" AUTHORS Myra V. De Leon http://orcid.org/0000-0001-7270-0151 ARTICLE INFO Myra V. De Leon (2020). The impact of credit risk and macroeconomic factors on profitability: the case of the ASEAN banks. Banks and Bank Systems, 15(1), 21-29. AbstractThis study investigates the effect of credit risk and macroeconomic factors on profitability of 20 ASEAN banks, particularly from Indonesia, Malaysia, Thailand and Philippines, covering the period of 2012 to 2017. The unbalanced panel data were tested for heteroscedasticity and normality. A fixed effects model and a random effects model were utilized followed by simple ordinary least squares (OLS) regression. The obtained results show that credit risk and GDP growth negatively affect Return on Equity (ROE) at 5% level of significance. The inflation rate increases ROE by 0.323%. In terms of influence, inflation has the highest impact on ROE followed by GDP growth and credit risk. Credit risk and GDP growth negatively affect Return on Assets (ROA) at 5% level of significance. ROA was also influenced by an increase in inflation rate. Therefore, this study will help banks and bank managers, depositors, investors, policy makers and governments to identify factors affecting bank profitability. Myra V. De Leon (Philippines)The impact of credit risk and macroeconomic factors on profitability: the case of the ASEAN banks

Every week, Indonesia discards approximately 10 million pieces of bread, cakes, and cookies, equating to 292,000 tons of CO2 emissions similar to Indonesia’s annual CO2 emissions. Due to a lack of resources and infrastructure, most impoverished countries rely on antiquated technologies such as anaerobic digestion (AD) to handle food waste. Bakery trash is a biologically formed organic waste that poses a serious threat to public health and the environment, including natural ecosystem contamination. The goal of this study is to find out how much effort Indonesians put into garbage management. How do they spread the word about leftovers through the media? How do they know about waste, particularly bread waste? As well as community-wide corrective steps to protect the environment from domestic food waste management. This study employs a quantitative approach. In order to send 100 questionnaires to persons in Indonesia, purposive sampling was used. Surveys are carried out using Google forms, which require a valid Google email address in order to ensure that each person only takes the survey once. The study’s conclusion is that food waste management efforts among Indonesians are hampered by the public’s lack of understanding of food waste management and disposal information in the media. The research sample understands the process of recycling food into pet food when it becomes garbage, according to their perceptions about the end process of food. In terms of food waste awareness, the majority of the participants in this study were aware that food waste is disposed of in landfills rather than being recycled.

The global COVID-19 pandemic has affected different industries including the food industry with the fear of transmission of virus. Challenges currently facing the food industry is the food waste and stale food in restaurants, bars and hotels, and rebuilding the trust of people to visit these places given the protocols introduced by the government. Therefore, the main objective of this study is to determine how the food industry and the government should address the sustainability and financial recovery particularly the affected F&B places. The data was gathered from 500 respondents in Indonesia. The findings of the study reveal that majority no longer visits the F&B places and the fear and lack trust with the government’s restrictions was the confirmed reason. For the 38% respondents who already visited these places, they trust the establishments complying with the health and safe protocols. These findings provide insights for F&B places, food industry and the government to develop strategies that will rebuild trust and confidence with the government with proper communication and consequently boost the sustainability of food industry.