On privacy calculus and underlying consumer concerns influencing mobile banking subscriptions

Njenga, Kennedy; Ndlovu, Sifiso

doi:10.1109/issa.2012.6320453

Cited by 6 publications

(2 citation statements)

References 19 publications

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“…3.1 Combining PCT and TAM PCT and TAM have gained widespread application across various research domains, including behavioral psychology, information systems, information technology, and e-commerce (Sutanto et al, 2013;Stuart, 2000). In the context of information disclosure, these two theories have been used to examine individuals' willingness to disclose personal information via technology such as IoT-enabled smart applications (Zhang et al, 2023), AIpowered smart hospital (Jia et al, 2022), online banking subscriptions (Njenga and Ndlovu, 2012), and intelligent machines (Majeed and Hwang, 2023). When used in conjunction, PCT and TAM highlight the importance of perceived benefits and trust in shaping individuals' willingness to disclose information (Ioannou et al, 2021).…”

Section: Research Model and Hypothesis Developmentmentioning

confidence: 99%

An investigation into factors affecting the willingness to disclose personal health information when using AI-enabled caregiver robots

Amin,

Johnson,

Prybutok

et al. 2024

IMDS

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PurposeThe purpose of this research is to propose and empirically validate a theoretical framework to investigate the willingness of the elderly to disclose personal health information (PHI) to improve the operational efficiency of AI-integrated caregiver robots.Design/methodology/approachDrawing upon Privacy Calculus Theory (PCT) and the Technology Acceptance Model (TAM), 274 usable responses were collected through an online survey.FindingsEmpirical results reveal that trust, privacy concerns, and social isolation have a direct impact on the willingness to disclose PHI. Perceived ease of use (PEOU), perceived usefulness (PU), social isolation, and recognized benefits significantly influence user trust. Conversely, elderly individuals with pronounced privacy concerns are less inclined to disclose PHI when using AI-enabled caregiver robots.Practical implicationsGiven the pressing need for AI-enabled caregiver robots due to the aging population and a decrease in professional human caregivers, understanding factors that influence the elderly's disclosure of PHI can guide design considerations and policymaking.Originality/valueConsidering the increased demand for accurate and comprehensive elder services, this is the first time that information disclosure and AI-enabled caregiver robot technologies have been combined in the field of healthcare management. This study bridges the gap between the necessity for technological improvement in caregiver robots and the importance of transparent operational information by disclosing the elderly's willingness to share PHI.

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Section: Research Model and Hypothesis Developmentmentioning

confidence: 99%

An investigation into factors affecting the willingness to disclose personal health information when using AI-enabled caregiver robots

Amin,

Johnson,

Prybutok

et al. 2024

IMDS

View full text Add to dashboard Cite

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“…Colombia also initially had challenges with illegal agents but this was quickly resolved. Njenga (2009) states that although the mobile phone balances may seem low, the fact that there are balances proves that there is storage which can be perceived as acceptance of deposits. This is a significant indication of the high value placed on the convenience associated with the use of the mobile payment services.…”

Section: Agency Banking Securitymentioning

confidence: 99%

Effect of Agency Banking Adoption on Customer Retention in KCB Bank: A Case Study of Kiambu County, Kenya

MUORIA,

MORONGE (Ph.D)

2018

strategicjournals.com

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The introduction of agency banking is intended to expand access to financial services, particularly in rural areas where it has been expensive for banks to sustain a presence, owing to the smaller volumes. The general objective of the study was to examine the factors affecting the adoption of agency banking by bank customers in KCB bank in Kiambu County. The specific objectives are; to look at how the cost of agency services, security of agency banking, customer awareness and availability of capital affect the adoption of agency banking by bank customers in KCB in Kiambu County. The dependent variables were the level of the client of awareness, increase uptake of agency banking indicated by the amount of cash deposit, the volume of withdrawal by customers, and overall commission earned by the agent and the total number of agents. The research embraced a descriptive study design. Stratified random sampling was used to select a random sample of 120 agents of KCB. The research used questionnaires to obtain data which was analyzed by use of inferential and descriptive statistics. The study found and concluded that Cost of Agency Services, Security of Agency Service, Customer Awareness and Capital Availability significantly influenced the Adoption of agency banking by bank customers at KCB in Kiambu County. The findings revealed that there was a negative and significant association between agency cost and agency banking adoption. The findings also revealed that there was a positive and significant association between agency security and agency banking adoption. The findings also revealed that there was a positive and significant association between customer awareness and agency banking adoption. Lastly, the findings revealed that there was a positive and significant association between capital availability and agency banking adoption.The study recommended that enough security measures should be put in place as a result of the rampant cyber crimes and studies to be done in other areas of Kenya to establish whether the findings can be generalized.

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Vulnerabilities in Banking Transactions with Mobile Devices Android: A Systematic Literature Review

Ordoñez-Ordoñez

Herrera-Loaiza

Figueroa-Diaz

2018

Communications in Computer and Information Science

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On privacy calculus and underlying consumer concerns influencing mobile banking subscriptions

Cited by 6 publications

References 19 publications

An investigation into factors affecting the willingness to disclose personal health information when using AI-enabled caregiver robots

An investigation into factors affecting the willingness to disclose personal health information when using AI-enabled caregiver robots

Effect of Agency Banking Adoption on Customer Retention in KCB Bank: A Case Study of Kiambu County, Kenya

Vulnerabilities in Banking Transactions with Mobile Devices Android: A Systematic Literature Review

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