mobile payment   covid 19 risk
237518241
FinTech payments in the era of COVID 19: Factors influencing behavioral intentions of "Generation X" in Hungary to use mobile payment
Organizations, such as the World Health Organization, encouraged consumers to use contactless payment methods instead of payment methods such as cash, which can be carriers of the SARS 2 virus. This study aims to evaluate factors that influence Hungarian Generation X's behavioral intentions to use mobile payment services during the pandemic. We conducted an electronic questionnaire based survey among 1120 Generation X individuals. Using structural equation modeling to analyze the study's conceptual model, our results confirm that perceived COVID 19 risk, perceived usefulness, and subjective norms significantly influence Hungarian Generation X's behavioral intentions to use mobile payment services. Moreover, perceived usefulness mediates the relationship between perceived ease of use and behavioral intention to use mobile payment systems. Overall, our results show that the model of perceived COVID 19 risk, perceived usefulness, subjective norms, and perceived ease of use explains 62.9% of the variance in intention to use mobile payment systems. Our study contributes to the technology acceptance model and highlights its effectiveness in explaining the behavioral intention to adopt mobile payments during the COVID 19 pandemic.
Journal of Behavioral and Experimental Finance
Ahmad Daragmeh Csaba Lentner Judit Sagi
235212928
COVID 19 knowledge, risk perception, and information sources among Chinese population
BACKGROUND Measures for effective control of the coronavirus disease 2019 (COVID 19) pandemic include identifying the causal organisms, applying appropriate therapies, and developing vaccines, as well as improving understanding among the general public. AIM To evaluate the knowledge, awareness, perception, and response of the general public to COVID 19 in China. METHODS A detailed questionnaire comprising 47 questions designed in both English and Chinese was developed. The survey was conducted via WeChat, a multipurpose messaging, social media, and mobile payment app that is widely used by the Chinese population. In total, 1006 participants responded, and most of them were from different provinces of mainland China. RESULTS Overall, this comprehensive survey revealed that the general public in China is highly aware of the basic information concerning COVID 19 and its precautions. Interestingly, more respondents (99.3% were aware of the term severe acute respiratory syndrome (SARS) than COVID 19 (97.2% and Middle East respiratory syndrome (MERS) (73.4% Among them, 2.4% 1.6% and 0.9% said that they or their family members or friends were affected by COVID 19, SARS, and MERS, respectively. The majority of the respondents (91.2% indicated that knowledge about COVID 19 was received mainly from WeChat, followed by TV (89% friends (76.1% and QQ (a Chinese instant messaging software service) (57.7% CONCLUSION The general public in China is highly aware of COVID 19 and the necessary precautions. Unexpectedly, 2.8% of the participants were unaware of the current epidemic. The remaining information gaps highlight the necessity of further enhancing awareness and preparedness.
World journal of psychiatry
Zhongren Ma Sakinah Idris Qiu-Wei Pan Zulqarnain Baloch
236802256
COVID 19 and Digital Financial Inclusion in Africa
The COVID 19 pandemic and resulting containment measures are likely to cause an economic contraction of about 2.8 percent in Sub Saharan Africa (SSA) in 2020 according to the Global Economic Prospects. Among the many adverse effects in the global economy, the crisis is posing a deep threat to financial inclusion1 efforts globally. Lockdowns and curfews designed to curb the spread of the virus resulted in the closure of bank branches and halted operations of mobile money agents in compliance with restrictions. Government officials and health practitioners encouraged use of cashless and contactless modes of payment to reduce the risk of virus spread through handling of cash, thus creating new opportunities for potential adoption of Digital Financial Services (DFS) Small firms and low income households can directly benefit from digital solutions such as mobile money services, online banking and other financial technology innovations. Recent evidence suggests that digital financial inclusion could significantly contribute to economic growth, reduce poverty and narrow income inequalities without necessarily causing adverse effects on financial stability given the appropriate regulatory framework2.
Immaculate Machasio
236268171
Cash, credit card, or mobile? Examining customer payment preferences at chain restaurants in Taiwan
During the COVID 19 pandemic, restaurant customers tended to avoid cash payment to prevent interpersonal contact, resulting in an increased global trend of mobile pay. Following this trend, this study aims to examine why consumers vary in their payment preferences at chain restaurants (mobile vs. traditional payments) as well as how their preferences influence their perceptions and intentions to use mobile payments. Research findings were derived from two online panel surveys with a total of 1,200 Taiwanese mobile phone users. Regression analyses and analysis of variance were used to examine the antecedents and consequences of the preferred payment methods at chain restaurants. The results showed that customers who preferred traditional payment methods (cash or credit card) perceived mobile payment as not very useful, somewhat risky, and not popular within their social groups. On the contrary, more innovative and venturous customers perceived mobile payment as very convenient, low risk, and fun to use. This research provides valuable information for chain restaurant owners to develop strategies to increase the use of their mobile apps based on customers' preferred payment methods. [ABSTRACT FROM AUTHOR] Copyright of Journal of Foodservice Business Research is the property of Taylor Francis Ltd and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.
Chun-Chu Chen Hsiangting Shatina Chen
237384239
Pro social Preferences and Risk Aversion with Different Payment Methods: Evidence from the Laboratory
The mobile payment technology has converted many of our face to face transactions virtual. With the advance of smart devices and financial technologies in place and the shock of COVID 19, economic transactions involving mobile payments are becoming increasingly preferred globally. For instance, using a mobile to purchase goods is faster, more hygiene and private than cash payment. However, empirical evidence is scarce for whether people would react differently when they are paid with mobile or cash. In this paper, we aim to fill this gap. In particular, we examine whether cash and mobile payment methods have an impact on prosocial decisions and risk attitudes using standard laboratory games in China. In dictator, ultimatum games as well as the conventional Holt and Laury (2002) risk assessment, we find significant payment effects that people are more generous when they are using the mobile payment method compared to cash; while we find an insignificant payment effect in risk attitude.
Jingping Li
234538154
The Barriers towards the Adoption of E Wallet Payment System
Many countries including Malaysia are aiming for cashless society, in which represent the transition of business transaction from cash to electronic based transactions Hence, the escalating trend of using electronic payment system can be observed especially during the COVID 19 crisis where consumers are transitioning to electronic commerce (e commerce) as well as mobile commerce (m commerce) business, however there are consumers who are not keen on e wallet usage Thus, this research aims to investigate the barriers towards the adoption of E Wallet payment system Based on Innovation Resistance Theory (IRT) the barriers refer to the factors of value barrier (VB) usage barrier (UB) risk barrier (RB) and perceived cost barrier (PCB) The results of the research were obtained from 248 respondents of fourth year students in the Faculty of Entrepreneurship and Business, University Malaysia Kelantan with the help of Krejcie and Morgan table sampling method and through the use of questionnaire Besides, Statistical Package of Social Sciences (SPSS) method and Spearman's correlation analysis were also used to analyze the data from the questionnaire It was found that value barrier, usage barrier, risk barrier as well as perceived cost barrier have a significant relationship with the adoption of E wallet payment system As the results highlighted the barricades that cease an individual from using e wallet despite of its benefits, the policy maker can ponder the result to accelerate the adoption of e wallet to a more desirable level in the nation (c) International Research Publication House
Nur Izzati Mohamad Anuar Nik Malini Nik Mahdi Nik Alif Amri Nik Hashim Siti Rohana Mohamad Siti Afiqah Zainuddin Nur Farahiah Azmi Wan Farha Wan Zulkiffli
235190429
Determinants of the Intention to Use Cross Border Mobile Payments in Korea among Chinese Tourists: An Integrated Perspective of UTAUT2 with TTF and ITM
With the acceleration of global economic integration and digital economy, cross border mobile payment has gained growing attention. On the other hand, as COVID 19 keeps on spreading, the popularization of cross border mobile payment can lower the risk of infection caused by cash payment of tourists. However, though previous researchers already examined mobile payment users' behavioral intention from different perspectives, these research findings tend to concentrate on the non cross border section of mobile payment. Therefore, the purpose of this research is to examine factors influencing cross border mobile payment use intention from the user perspective, and combining three theoretical models, chiefly UTAUT2 (extended unified theory of acceptance and use of technology) ITM (initial trust model) and TTF (task technology fit) In this research, 786 Chinese with the experience of using cross border mobile payment while traveling to South Korea are adopted as respondents, and the structural equation model is used to empirically analyze the data of these research samples. The study found that initial trust, performance expectancy, effort expectancy, facilitating conditions, price value, task technology fit, and initial trust have significant effects on use intention. Research findings of this paper can deepen people's understanding of users' intention to use cross border mobile payment, and provide theoretical support for the development of cross border mobile payment. (c) 2021 by the authors. Licensee MDPI, Basel, Switzerland.
J. Theor. Appl. Electron. Commer. Res.
Runze Wu Jong-Ho Lee Xiu-Fu Tian
235420386
Facial Information Protection by Mosaicking Faces in Video Dissemination
In the past ten years, the popularization of photography equipment and wireless internet significantly reduces the cost of filming and disseminating videos. However, the frequent video dissemination brings various information security issues. Especially during the COVID 19 pandemic, the sudden growth of videotelephony inevitably increases the risk of information leakage. Nowadays, as more and more people consider information security their priority, it is necessary and meaningful to improve information protection technology in video dissemination. Among various information security issues, the leakage of human facial information is one of the most urgent issues. As a unique human biological characteristic, facial information widely applies in identity authentication, mobile payment and business analysis. Meanwhile, video is the fundamental information carrier of human interactions and thus contains considerable human facial information. Therefore, protecting human facial information in video dissemination is a crucial component of information protection. Currently, mosaicking human face in the video is a straightforward and effective approach to protect facial information as Figure 1 [7] However, the available methods of mosaicking human faces are still far from satisfying level. On the search engine, the most common approach for mosaicking human face is provided by a paid application Filomra[3] However, Filomra only provides a basic mosaicking function for a fixed rectangle area in video and performs poorly even with small facial movements. In our project, we apply object tracking, Gaussian filtering and mosaicking effect to bring users better quality of facial information protection. Object tracking is a useful technique helping to identify and locate objects, and can be commonly used on human, vehicles, to name a few, and Figure 1. Example for mosaicking faces during an interview
Yijie Yang
220264945
A COVID 19 Risk Assessment Decision Support System for General Practitioners: Design and Development Study
Background The coronavirus disease (COVID 19) has become an urgent and serious global public health crisis. Community engagement is the first line of defense in the fight against infectious diseases, and general practitioners (GPs) play an important role in it. GPs are facing unique challenges from disasters and pandemics in delivering health care. However, there is still no suitable mobile management system that can help GPs collect data, dynamically assess risks, and effectively triage or follow up with patients with COVID 19. Objective The aim of this study is to design, develop, and deploy a mobile based decision support system for COVID 19 (DDC19) to assist GPs in collecting data, assessing risk, triaging, managing, and following up with patients during the COVID 19 outbreak. Methods Based on the actual scenarios and the process of patients using health care, we analyzed the key issues that need to be solved and designed the main business flowchart of DDC19. We then constructed a COVID 19 dynamic risk stratification model with high recall and clinical interpretability, which was based on a multiclass logistic regression algorithm. Finally, through a 10 fold cross validation to quantitatively evaluate the risk stratification ability of the model, a total of 2243 clinical data consisting of 36 dimension clinical features from fever clinics were used for training and evaluation of the model. Results DDC19 is composed of three parts: mobile terminal apps for the patient end and GP end, and the database system. All mobile terminal devices were wirelessly connected to the back end data center to implement request sending and data transmission. We used low risk, moderate risk, and high risk as labels, and adopted a 10 fold cross validation method to evaluate and test the COVID 19 dynamic risk stratification model in different scenarios (different dimensions of personal clinical data accessible at an earlier stage) The data set dimensions were (2243, 15) when only using the data of patients' demographic information, clinical symptoms, and contact history; (2243, 35) when the results of blood tests were added; and (2243, 36) after obtaining the computed tomography imaging results of the patient. The average value of the three classification results of the macro area under the curve were all above 0.71 in each scenario. Conclusions DCC19 is a mobile decision support system designed and developed to assist GPs in providing dynamic risk assessments for patients with suspected COVID 19 during the outbreak, and the model had a good ability to predict risk levels in any scenario it covered.
Journal of Medical Internet Research
Ying Liu Zhixiao Wang Jing-jing Ren Yu Tian Min Zhou Tianshu Zhou Kangli Ye Yinghao Zhao Yunqing Qiu Jingsong Li
230097112
MOBILE PAYMENT ADOPTION INTENTION DURING PANDEMIC COVID 19 IN INDONESIA
Essentially, the fast development of technology, especially the internet, has created a shift in consumer behaviour with regards to shopping that has leaned toward online shopping. This drives the sprouting of many different types of mobile payment (M payment) that can be used as a payment tool. Moreover, the world is currently facing the COVID 19 pandemic, in addition, Indonesia is currently doing a mass scale social distancing (PSBB) to stop the infection of COVID 19, among other things limiting out of the home movement, and practicing physical distancing. This appeal makes shops advising payments using M payment or cashless. Hence, the main purpose of this study is to identify the impact of the COVID 19 pandemic on consumer attitude in Indonesia specifically in the adoption of mobile payment (M payment) as the safe way to do payments. The assumption of M payment adoption is based on situational influences, personal knowledge, and perceived usefulness. The research model has been empirically tested using 217 responses from a field questionnaire conducted in a number of large cities in Indonesia by using the multiple regression analysis techniques. The findings of the study reveal that situational influences, personal attitude, personal knowledge have a significant effect on M payment adoption in this global pandemic of Covid 19. Meanwhile, perceived usefulness has no significant effect on M payment adoption in this global pandemic of Covid 19. A suggestion for the M payment providers, despite PU having no significant effect, it continues to be one of the drawing factors for people to use M payment, hence it's best for the M payment to continue providing benefits to its users to increase cashless payment in order to stop the spread of COVID 19. Why is it important to continue providing benefits for users? Because this study has shown that personal attitudes and personal knowledge have a significant effect on the interest of M payment users, which means during this COVID 19 pandemic, positive attitude and people's knowledge regarding M payment has been shaped due to the situation, therefore, by continuously providing benefits, M payment platforms could increase the number of people using M payment.
Dewi Mustikasari Immanuel Yuli Kartika Dewi