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Volume 14, Issue 3, September 2024 |
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FACTORS INFLUENCING INTENTION TO USE ELECTRONIC BANKING IN EAST ALGERIA Ahcène TIAR Université 20 Août 1955- Skikda, Skikda Algeria Aissa ROUABHIA Université 20 Août 1955- Skikda, Skikda Algeria Ilyes BOUDJAADA Université 20 Août 1955- Skikda, Skikda Algeria Tahar DJELLIT Université Mohamed Seddik Benyahia-Jijel, Jijel Algeria DOI: https://doi.org/10.24818/beman/2024.14.3-01 |
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This study aims to examine the factors influencing customers’ intention to use electronic banking (e-banking) in East Algeria. The proposed conceptual model is based on the Technology Acceptance Model (TAM) with its original postulates: perceived usefulness and perceived ease of use, which is extended to embrace some factors, including perceived risk, awareness, self-efficacy, social influence and resistance to change. The empirical data are collected from a questionnaire survey of 170 valid responses and analysed using the Partial Least-Squares Structural Equation Model (PLS-SEM) approach and Smart-PLS 4. The results show that bihavioural intention to use e-banking is influenced directly by perceived usefulness and ease of use and indirectly impacted by self-efficacy. |
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2. DIGITIZATION AND INNOVATION IN HEALTHCARE SERVICES Andreea BREAZU
Bucharest University of Economic Studies, Bucharest Romania DOI:
https://doi.org/10.24818/beman/2024.14.3-02 |
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Innovation and digital technologies have caused major changes in most fields today, including health services. Thus, access to telemedicine, investigations with modern equipment and online scheduling improved the time spent by patients in receiving the services they needed. In this context, in the last two decades, the interest of academics and specialists in studying the complex relationship between digitization and innovation in the medical field has increased. Therefore, the purpose of this research is to highlight the conceptual links between "healthcare", "innovation" and "digitalization" in order to highlight the current concerns of this sector. Using a bibliometric analysis and the Web of Science database, the paper manages to analyze 650 scientific documents in which these concepts were found. The results of the survey highlight the fact that there was a high interest in research on the relationship between these concepts during the pandemic period. Also, the thematic map created identified specific clusters related to digitization and health. From a theoretical point of view, the research complements academic studies in this field and in particular extends bibliometric theories. From a practical point of view, this study provides valuable information to practitioners and decision-makers in the medical field, and especially to those who are in full development and digitalization process. As an element of originality, the paper identifies thematic groups that provide readers with information on emerging topics in this field.
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Kai-Ling CHANG Feng Chia University, Taichung City Taiwan Lu-Ming TSENG Feng Chia University, Taichung City Taiwan
DOI: https://doi.org/10.24818/beman/2024.14.3-03 |
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This study examines the impacts of transformational leadership, career adaptability, salesperson creativity and demographic variables on the positive response exhibited by life insurance salespeople to digital transformation. The research method used here was survey research. Self-administered questionnaires were distributed to 318 full-time life insurance salespeople working across different insurance companies in Taiwan. In order to test the four research hypotheses of the study, the data were subjected to multiple regression analysis with the research variables of interest. The analysis confirmed hypothesis 1, revealing that there was a strong positive correlation between transformational leadership and the positive responses from life insurance salespeople toward digital transformation. Hypothesis 2 was also confirmed, which means that career adaptability significantly and positively relates to the rates of positive digital transformation perceptions among the salespeople. In addition, as stated in hypothesis 3, there was a positive relationship between salesperson creativity and positive reactions to the digital transformation. Finally, hypothesis 4 was partially confirmed because age did influence the positive responses while others did not. This study offers novel observations regarding the relationship between transformational leadership and reactions to digital transformation. The findings also confirm and extend earlier research that career adaptability and creativity are two factors that can help individuals deal with technological changes. |
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Alina GHEORGHE Artifex University of Bucharest, Bucharest
Romania DOI: https://doi.org/10.24818/beman/2024.14.3-04 |
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In Romania’s tourism industry, in the last decade, following the European trend, small dimensioned accommodation units have appeared, bearing the name of boutique guesthouses or boutique hotels, depending on their accommodation capacity. The boutique guesthouses offer both accommodation services in rooms with traditional Romanian boyar characteristics, with Saxon and Szechuan influences, as well as food services with the same culinary characteristics. A particularity of these accommodation units is that each room had been furnishing according to a traditional noble theme, using either furniture that has been produced in Romanian workshops. Roomꞌ s names have been inspired by the woody essences that can be found in the Romanian forests and a large part of the furniture is made of cherry, beech, fir, oak, elm wood. The specific architecture of the accommodation units has been established in 18th century specific to the rococo and baroque style, predominantly found in buildings constructions in Romanian towns where niche tourism is a small part of mass tourism industry. |
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Takupiwa NYANGA Great Zimbabwe University, Masvingo Zimbabwe Munyaradzi CHIKOVE Great Zimbabwe University, Masvingo Zimbabwe Thinkwell NYANGA Great Zimbabwe University, Masvingo Zimbabwe
DOI: https://doi.org/10.24818/beman/2024.14.3-05 |
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COVID 19 is one of the major disasters that significantly disrupted the socio-economic statuses of various businesses and nations at large. The purpose of the study was to explore the extent to which COVID 19 affected financial inclusion in Zimbabwe. The quantitative research methodology and the purposive sampling technique were employed. Data was collected using in-depth and focus discussion group interviews from 35 participants. Data was analysed using thematic data analysis approach. Barred people in rural areas from accessing financial services which directly and indirectly increased the magnitude of poverty among people running informal businesses. Financial inclusion, is a key driver to poverty reduction; hence the negative impact of on financial inclusion significantly propels poverty in societies. Digitalizing financial services is one of the strategies which can be utilized to promote financial inclusion in the post- era. Financial institutions should use technology in financial services, so that those in rural areas do not incur transport and logistical costs for accessing financial services. Digital finance and other various financial innovations should be used to achieve financial inclusion in rural areas. Policies that encourage the delivery of formal financial services in rural areas should be developed. Governments should consider granting subsidy to providers of financial services so that they can offer basic financial services at low cost to the excluded population. Thus, governments ought to commit themselves to the delivery of accessible, affordable, appropriate and cost-effective financial services to unserved or underserved households. The study provides managers of financial institutions with various techniques of providing financial services to the informal sector in the post- eras in rural areas. It also provides managers with information pertaining to the risks in providing financial services in post-pandemic era in rural areas. Managers of internet service providers has a role in making sure that the rural folk have access to the facility so that digital banking systems become realizable. |
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Dauda Ayodele MORAKINYO Osun State University, Osogbo Nigeria Roseline Moyosore OJOKUKU Ladoke Akintola University of Technology, Ogbomoso Nigeria Johnson Olusola LAOSEBIKAN Bowen University, Iwo Nigeria Nureni Adekunle LAWAL Osun State University, Osogbo Nigeria Lawal Ayofe BAKARE Osun State University, Osogbo Nigeria
DOI: https://doi.org/10.24818/beman/2024.14.3-06 |
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The study analysed the retirement benefit processing of the new pension scheme and its implications the welfare of public service retirees’ welfarism in selected States of Southwest Nigeria. Descriptive survey design was adopted with primary data as the major source of data. The study population comprised eighteen thousand nine hundred and ten (18,910) pensioners in the South west Nigeria as documented by the Nigeria Bureau of Statistics. Multi staged sampling technique was adopted to select 10% of the study population from each of the three states of Osun, Ondo, and Ogun in Southwest Nigeria totaling one thousand eight hundred and ninety one (1,891) as sample size. The data were collected with the aid of structured questionnaire and interview schedule. Both descriptive and inferential statistics were utilized to analyse the data with the aid of SPSS. Findings revealed that retirement documentation process implementation account has a significant positive effect on the welfare among the pensioners as evidenced by R2 = 0.358, F =170.941, and p<0.000. It was also found that retirement documentation process account for about 32% of changes in welfarism among the pensioners in the Southwest Nigeria. The study thus argued that the processing of retirement benefit contributes significantly to the low welfarism of public service retirees in selected states of Southwest Nigeria. |
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Cristina-Elena UNGUREANU National University of Science and Technology POLITEHNICA of Bucharest, Bucharest Romania
Alina-Elena ANCU National University of Science and Technology POLITEHNICA of Bucharest, Bucharest Romania
Andreea-Maria-Gabriela MILITARU National University of Science and Technology POLITEHNICA of Bucharest, Bucharest Romania
Bogdan FLEACĂ National University of Science and Technology POLITEHNICA of Bucharest, Bucharest Romania
DOI: https://doi.org/10.24818/beman/2024.14.3-07 |
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This research paper aims to provide insights into the impact generated by the introduction of Agile methodologies in Romanian industrial environments which used to work exclusively with Waterfall methodologies for the delivery of IT products and services. Through this study, the authors aim to uncover perceptions provided by knowledge workers working in the area of IT Service Management who have experienced first-hand this transition in ways of working from Waterfall to Agile, followed by suggestions on how to improve the process of integrating new elements in future transition activities. In order to achieve this aim, a qualitative research exercise has been performed, by conducting interviews with experienced knowledge workers who carry out IT Service Management activities. The results of the research present both breakthrough and setback points with this activity. Breakthrough points focus on the perception of knowledge workers having higher levels of autonomy and ownership of daily activities and dependency on ITIL/ISO process alignment for achieving auditing requirements. Setback points include the need for guidelines availability to ensure better integration between Waterfall and Agile elements, design of metrics to reflect Agile elements integration, and optimisation of tools usage to avoid redundant activities. Following this research, the authors recommend development of more focused research in the area of ITSM activities, as this is an untapped source of improvement for organisations. These findings help contribute to a better understanding of the evolution of IT Service Management processes and builds a basis for further research on change initiatives of IT processes. |