The Demographic and Behavior Determinant of Credit Card Default in Indonesia

Achsan, Wahid; Achsani, Noer Azam; Bandono, Bayu

doi:10.15408/sjie.v11i1.20215

Cited by 5 publications

(5 citation statements)

References 13 publications

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“…Mobile banking applications have become more commonly accepted and used since the COVID-19 pandemic in Saudi Arabia [7]. During the COVID-19 pandemic, mobile banking applications allowed customers to avoid visiting a bank branch.…”

Section: Introductionmentioning

confidence: 99%

Investigating the Role of Perceived Risk, Perceived Security and Perceived Trust on Smart m-Banking Application Using SEM

et al. 2023

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Effective security support remains a challenge, even for mobile banking applications; this is leading to the loss of many customers due to limited protection of customer data and privacy. Cyber threats include everything from identity theft to malware threats and email and online fraud. Thus, businesses and individuals should use risk assessment methods and countermeasures to protect their m-banking apps. With this in mind, a new model using the Technology Acceptance Model (TAM) has been proposed. The model has been broken down into six main countermeasure categories, namely: perceived risk, perceived security, perceived trust, ease of use, usefulness and service quality. To test this model, structural equation modelling (SEM) was used. Our findings reveal that perceived security, perceived trust and service quality play key roles in improving the adoption of mobile banking apps. In addition, the findings indicate that perceived risk had a negative impact on both clients’ trust and their attitudes toward the use of mobile banking services. The proposed model could increase the adoption of m-banking apps by enhancing their defenses against security risk issues. The model enhances the risk reduction (63.0%), data protection (75.0%), trust (32.1%), quality of service (74.0%), ease of use (44.0%) and usefulness (45.3%) ratios.

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Section: Introductionmentioning

confidence: 99%

Investigating the Role of Perceived Risk, Perceived Security and Perceived Trust on Smart m-Banking Application Using SEM

et al. 2023

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“…Students can apply theoretical concepts to practical situations, fostering critical thinking and problem-solving skills, (6) continuous learning: With mobile learning, students can engage in continuous learning beyond the confines of traditional academic calendars. They can review course materials, access resources, and participate in discussions even during breaks or holidays, promoting ongoing knowledge acquisition, (7) diverse learning resources: Mobile learning provides access to a vast array of digital learning resources, including e-books, articles, podcasts, and videos. This abundance of resources enriches the learning experience and enables students to explore various topics beyond their standard curriculum, (8) immediate feedback and Assessment: Mobile learning applications often offer instant feedback and assessment features, allowing students to gauge their progress and identify areas for improvement.…”

Section: The Importance Of M-learningmentioning

confidence: 99%

“…During the recent years, major transformations and advancements have emerged in the field of educational technologies [1][2][3]. This made a new shift in the higher education sector by providing several technologies like smartphones concerning the delivery of learning materials [4][5][6][7]. One of such technologies is the mobile learning applications, which offer a number of significant opportunities for students to learn at any time anywhere.…”

Section: Introductionmentioning

confidence: 99%

A New Technological Model on Investigating the Utilization of Mobile Learning Applications: Extending the TAM

Shishakly,

Almaiah,

Al-Otaibi

et al. 2023

MTI

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Mobile learning has become increasingly important for higher education due to its numerous advantages and transformative potential. The aim of this study is to investigate how students perceive and utilize mobile learning (m-learning) services in universities. To achieve this objective, a conceptual model was developed, combining the TAM with additional new determinants, including perceived security, perceived trust, perceived risk, and service quality. The primary goal of this model is to assess the adoption of m-learning apps among users in university settings. To evaluate the proposed model, SEM was utilized to test the research model. The findings of the study highlight the critical roles of perceived security, perceived trust, and service quality in promoting the adoption of m-learning apps. Moreover, the results indicate that perceived risk negatively impacts both students’ trust and their attitudes towards using mobile learning services. The study reveals that the perceived trust, and service quality factors positively influence students’ attitudes towards adopting m-learning apps. These research findings hold significant implications for universities and academia, offering valuable insights to devise effective strategies for increasing the utilization of m- learning services among students. By gaining a deeper understanding of students’ perceptions and acceptance, universities can optimize their m-learning offerings to cater to students’ needs and preferences more effectively.

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“…In recent years, major advancements have been made in the field of information and communications technology, such as smart city technologies, the IoT, and mobile computing [3]. This has prompted a shift in many sectors concerning the delivery of these intelligent services via various technologies [4][5][6][7]. Smart city technologies are examples of such technologies, offering a number of significant opportunities for citizens to enhance their livability, productivity, and sustainability.…”

Section: Introductionmentioning

confidence: 99%

Exploring the Success Factors of Smart City Adoption via Structural Equation Modeling

Alkdour,

Almaiah,

Shishakly

et al. 2023

Sustainability

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This study investigated the roles of security and technological factors in the adoption of smart cities, with the aim of developing a deeper understanding of the key aspects of the successful adoption of smart cities in Jordanian traditional cities. This study developed a conceptual model to investigate the importance of security and technological factors in the adoption of smart cities. The proposed model was tested using the structural equation modeling method after collecting data from ICT experts. The findings of the study revealed that perceived security, perceived trust, and service quality play pivotal roles in enhancing the adoption of smart city services. Moreover, the results indicated that information security and information privacy positively impact intentions toward adopting smart city services. These research findings provide valuable insights into the critical factors that can drive the adoption of smart city services. Policymakers and academics could utilize this knowledge to devise and implement new strategies aimed at increasing the adoption of smart city services.

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The Demographic and Behavior Determinant of Credit Card Default in Indonesia

Cited by 5 publications

References 13 publications

Investigating the Role of Perceived Risk, Perceived Security and Perceived Trust on Smart m-Banking Application Using SEM

Investigating the Role of Perceived Risk, Perceived Security and Perceived Trust on Smart m-Banking Application Using SEM

A New Technological Model on Investigating the Utilization of Mobile Learning Applications: Extending the TAM

Exploring the Success Factors of Smart City Adoption via Structural Equation Modeling

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