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Modeling the Predictors of M-Payments Adoption for Indian Rural Transformation

Aim/Purpose: The last decade has witnessed a tremendous progression in mobile penetration across the world and, most importantly, in developing countries like India. This research aims to investigate and analyze the factors influencing the adoption of mobile payments (M-payments) in the Indian rural population. This, in turn, would bring about positive changes in the lives of people in these countries. Background: A conceptual framework was worked upon using UTAUT as a foundation, which included constructs, namely, facilitating conditions, social influences, performance expectancy, and effort expectancy. The model was further extended by incorporating the awareness construct of m-payments to make it more comprehensive and to understand behavioral intentions and usage behavior for m-payments in rural India. Methodology: A questionnaire-based study was conducted to collect primary data from 410 respondents residing in rural areas in the state of Punjab. Convenience sampling was conducted to collect the data. Structural equation modeling was used to conduct statistical analysis, including exploratory and confirmatory factor analyses. Contribution: A new conceptual model for M-payments adoption in rural India was developed based on the study’s findings. Using the findings of the study, marketers, policymakers, and academicians can gain insight into the factors that motivate the rural population to use M-payments. Findings: The study has found that M-payment Awareness (AW) is the strongest factor within the proposed model for deeper diffusion of M-payments in rural areas in the state of Punjab. Performance expectancy (PE), effort expectancy (EE), social influences (SI), and facilitating conditions (FC) are also positively and significantly related to behavioral intentions for using M-payments among the Indian rural population in the state of Punjab. Recommendations for Practitioners: M-payments are emerging as a new mode of transactions among the Indian masses. The government needs to play a pivotal role in advocating the benefits linked with the usage of M-payments by planning financial literacy and awareness campaigns, promoting transparency and accountability of the intermediaries, and reducing transaction costs of using M-payments. Mobile manufacturing companies should come up with devices that are easy to use and incorporate multilanguage mobile applications, especially for rural areas, as India is a multi-lingual country. A robust regulatory framework will not only shape consumer trust but also prevent privacy breaches. Recommendation for Researchers: It is recommended that a comparative study among different M-payment platforms be conducted by exploring constructs such as usefulness and ease of use. However, the vulnerability of data leakage may result in insecurity and skepticism about its adoption. Impact on Society: India’s rural areas have immense potential for adoption of M-payments. Appropriate policies, awareness drives, and necessary infrastructure will boost faster and smoother adoption of M-payments in rural India to thrive in the digital economy. Future Research: The adapted model can be further tested with moderating factors like age, gender, occupation, and education to understand better the complexities of M-payments, especially in rural areas of India. Additionally, cross-sectional studies could be conducted to evaluate the behavioral intentions of different sections of society.




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Learning-Based Models for Building User Profiles for Personalized Information Access

Aim/Purpose: This study aims to evaluate the success of deep learning in building user profiles for personalized information access. Background: To better express document content and information during the matching phase of the information retrieval (IR) process, deep learning architectures could potentially offer a feasible and optimal alternative to user profile building for personalized information access. Methodology: This study uses deep learning-based models to deduce the domain of the document deemed implicitly relevant by a user that corresponds to their center of interest, and then used predicted domain by the best given architecture with user’s characteristics to predict other centers of interest. Contribution: This study contributes to the literature by considering the difference in vocabulary used to express document content and information needs. Users are integrated into all research phases in order to provide them with relevant information adapted to their context and their preferences meeting their precise needs. To better express document content and information during this phase, deep learning models are employed to learn complex representations of documents and queries. These models can capture hierarchical, sequential, or attention-based patterns in textual data. Findings: The results show that deep learning models were highly effective for building user profiles for personalized information access since they leveraged the power of neural networks in analyzing and understanding complex patterns in user behavior, preferences, and user interactions. Recommendations for Practitioners: Building effective user profiles for personalized information access is an ongoing process that requires a combination of technology, user engagement, and a commitment to privacy and security. Recommendation for Researchers: Researchers involved in building user profiles for personalized information access play a crucial role in advancing the field and developing more innovative deep-based networks solutions by exploring novel data sources, such as biometric data, sentiment analysis, or physiological signals, to enhance user profiles. They can investigate the integration of multimodal data for a more comprehensive understanding of user preferences. Impact on Society: The proposed models can provide companies with an alternative and sophisticated recommendation system to foster progress in building user profiles by analyzing complex user behavior, preferences, and interactions, leading to more effective and dynamic content suggestions. Future Research: The development of user profile evolution models and their integration into a personalized information search system may be confronted with other problems such as the interpretability and transparency of the learning-based models. Developing interpretable machine learning techniques and visualization tools to explain how user profiles are constructed and used for personalized information access seems necessary to us as a future extension of our work.




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Continued Usage Intention of Mobile Learning (M-Learning) in Iraqi Universities Under an Unstable Environment: Integrating the ECM and UTAUT2 Models

Aim/Purpose: This study examines the adoption and continued use of m-learning in Iraqi universities amidst an unstable environment by extending the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) and Expectation-Confirmation Model (ECM) models. The primary goal is to address the specific challenges and opportunities in Iraq’s higher education institutions (HEIs) due to geopolitical instability and understand their impact on student acceptance, satisfaction, and continued m-learning usage. Background: The research builds on the growing importance of m-learning, especially in HEIs, and recognizes the unique challenges faced by institutions in Iraq, given the region’s instability. It identifies gaps in existing models and proposes extensions, introducing the variable “civil conflicts” to account for the volatile context. The study aims to contribute to a deeper understanding of m-learning acceptance in conflict-affected regions and provide insights for improving m-learning initiatives in Iraqi HEIs. Methodology: To achieve its objectives, this research employed a quantitative survey to collect data from 399 students in five Iraqi universities. PLS-SEM is used for the analysis of quantitative data, testing the extended UTAUT2 and ECM models. Contribution: The study’s findings are expected to contribute to the development of a nuanced understanding of m-learning adoption and continued usage in conflict-affected regions, particularly in the Iraqi HEI context. Findings: The study’s findings may inform strategies to enhance the effectiveness of m-learning initiatives in Iraqi HEIs and offer insights into how education can be supported in regions characterized by instability. Recommendations for Practitioners: Educators and policymakers can benefit from the research by making informed decisions to support education continuity and quality, particularly in conflict-affected areas. Recommendation for Researchers: Researchers can build upon this study by further exploring the adoption and usage of m-learning in unstable environments and evaluating the effectiveness of the proposed model extensions. Impact on Society: The research has the potential to positively impact society by improving access to quality education in regions affected by conflict and instability. Future Research: Future research can expand upon this study by examining the extended model’s applicability in different conflict-affected regions and assessing the long-term impact of m-learning initiatives on students’ educational outcomes.




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Alzheimer's disease classification using hybrid Alex-ResNet-50 model

Alzheimer's disease (AD), a leading cause of dementia and mortality, presents a growing concern due to its irreversible progression and the rising costs of care. Early detection is crucial for managing AD, which begins with memory deterioration caused by the damage to neurons involved in cognitive functions. Although incurable, treatments can manage its symptoms. This study introduces a hybrid AlexNet+ResNet-50 model for AD diagnosis, utilising a pre-trained convolutional neural network (CNN) through transfer learning to analyse MRI scans. This method classifies MRI images into Alzheimer's disease (AD), moderate cognitive impairment (MCI), and normal control (NC), enhancing model efficiency without starting from scratch. Incorporating transfer learning allows for refining the CNN to categorise these conditions accurately. Our previous work also explored atlas-based segmentation combined with a U-Net model for segmentation, further supporting our findings. The hybrid model demonstrates superior performance, achieving 94.21% accuracy in identifying AD cases, indicating its potential as a highly effective tool for early AD diagnosis and contributing to efforts in managing the disease's impact.




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To be intelligent or not to be? That is the question - reflection and insights about big knowledge systems: definition, model and semantics

This paper aims to share the author's vision on possible research directions for big knowledge-based AI. A renewed definition of big knowledge (BK) and big knowledge systems (BKS) is first introduced. Then the first BKS model, called cloud knowledge social intelligence (CKEI) is provided with a hierarchy of knowledge as a service (KAAS). At last, a new semantics, the big-and-broad step axiomatic structural operational semantics (BBASOS) for applications on BKS is introduced and discussed with a practical distributed BKS model knowledge graph network KGN and a mini example.




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Perceived service process in e-service delivery system: B2C online retailers performance ranking by TOPSIS

Significant work in service domain has focused on customer journey within e-service delivery system process (e-SDSP). Few studies have focused on process-centric approach to customer journey during delivery of e-services. This study aims to investigate the performance assessment of three online retailers (alternatives) using perceived service process during different stages of e-SDSP as a criterion for decision-making. TOPSIS is used in this paper to rate and evaluate multiple online retailers. Based on perceived service process as the criterion, results show that online retailer-2 outperforms other two online retailers. This study is one of the first to rate online retailers by utilising customer-perceived service process (latent variables) as a decision-making criterion throughout e-SDSP. The finding suggests that perceived searching process is the most essential criterion for decision-making, followed by the perceived after-sales service process, the perceived agreement process, and the perceived fulfilment process. Implications, limitations, and future scope are also discussed.




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Modeling the Organizational Aspects of Learning Objects in Semantic Web Approaches to Information Systems




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Developing Learning Objects for Secondary School Students: A Multi-Component Model




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Practical Guidelines for Learning Object Granularity from One Higher Education Setting




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Guidelines and Standards for the Development of Fully Online Learning Objects




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A Cognitive and Logic Based Model for Building Glass-Box Learning Objects




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Meta-Data Application in Development, Exchange and Delivery of Digital Reusable Learning Content




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An Engagement Model for Learning: Providing a Framework to Identify Technology Services




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Viability of the "Technology Acceptance Model" in Multimedia Learning Environments: A Comparative Study




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An Integrated Model of Collaborative Knowledge Building




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Models for Sustainable Open Educational Resources




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A Model to Represent the Facets of Learning Object




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Initial Development of a Learners’ Ratified Acceptance of Multibiometrics Intentions Model (RAMIM)




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A Model for the Effective Management of




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Added Value Model of Collaboration in Higher Education




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Development and Validation of a Model to Investigate the Impact of Individual Factors on Instructors’ Intention to Use E-learning Systems




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Modeling the Macro-Behavior of Learning Object Repositories




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Learning about Ecological Systems by Constructing Qualitative Models with DynaLearn




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A Data Mining Approach to Improve Re-Accessibility and Delivery of Learning Knowledge Objects




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UTAUT Model for Blended Learning: The Role of Gender and Age in the Intention to Use Webinars




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eQETIC: a Maturity Model for Online Education

Digital solutions have substantially contributed to the growth and dissemination of education. The distance education modality has been presented as an opportunity for worldwide students in many types of courses. However, projects of digital educational platforms require different expertise including knowledge areas such as pedagogy, psychology, computing, and digital technologies associated with education that allow the correct development and application of these solutions. To support the evolution of such solutions with satisfactory quality indicators, this research presents a model focused on quality of online educational solutions grounded in an approach aimed to continuous process improvement. The model considers of three maturity levels and six common entities that address the specific practices for planning and developing digital educational solutions, targeting quality standards that satisfy their users, such as students, teachers, tutors, and other people involved in development and use of these kinds of educational solutions.




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Up and Down: Trends in Students’ Perceptions about Learning in a 1:1 Laptop Model – A Longitudinal Study

This is a five-year study conducted with junior high school students studying in a 1:1-laptop program in order to test the effects of the program on various measures related to the students: their attitudes, motivation, perceived school norms, self-efficacy, and behavioral intention towards learning with laptops, according to the Theory of Planned Behavior (TPB). These variables were tested at two dimensions: ‘duration of learning’ – the effect of learning in the program on the same students; ‘duration of program in school’ – the effect of the program on different students in different school years. Participants (N=770) answered a questionnaire structured according to motivational and TPB variables. Findings show that attitudes changed over time, but differently for each dimension. For the ‘duration of learning’, attitudes declined between 7th to 9th grade. Structural equation modeling analysis showed that students’ attitudes and self-efficacy explain part of their intention to learn with laptops, therefore ways of maintaining positive attitudes, self-efficacy, and strengthening school norms should be considered. However, for the ‘duration of program in school’, students’ attitudes increased over the years: The attitudes of students who started the program at a later stage were more positive than those who began earlier. This may indicate that students who experience the program at an advanced stage are better prepared, with more realistic expectations. Findings can assist teacher trainers and policymakers with the implementation of similar programs.




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On the Nature of Models: Let us Now Praise Famous Men and Women, from Warren McCulloch to Candace Pert




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Data Quality in Linear Regression Models: Effect of Errors in Test Data and Errors in Training Data on Predictive Accuracy




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Self-Service Banking: Value Creation Models and Information Exchange




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The Impact of Information and Communication Technology on Interorganizational Coordination: Guidelines from Theory




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Models of Information Markets: Analysis of Markets, Identification of Services, and Design Models




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Introduction to Special Series on Information Exchange in Electronic Markets: New Business Models




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Empirical Validation Procedure for the Knowledge Management Technology Stage Model




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Toward a Model of Growth Stages for Knowledge Management Technology in Law Firms




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A Reflexive Model of ICT Practices in Organizations




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Co-evolution and Contradiction: A Diamond Model of Designer-User Interaction




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The Single Client Resonance Model: Beyond Rigor and Relevance




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A Deliberation Theory-Based Approach to the Management of Usability Guidelines




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A Model for Mandatory Use of Software Technologies: An Integrative Approach by Applying Multiple Levels of Abstraction of Informing Science




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An Informing Service Based on Models Defined by Its Clients




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Exploring the Role of Communication Media in the Informing Science Model: An Information Technology Project Management Perspective




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The Social Network Application Post-Adoptive Use Model (SNAPUM): A Model Examining Social Capital and Other Critical Factors Affecting the Post-Adoptive Use of Facebook




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Testing a Model of Users’ Web Risk Information Seeking Intention




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A NeuroDesign Model for IS Research




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Cognition to Collaboration: User-Centric Approach and Information Behaviour Theories/Models

Aim/Purpose: The objective of this paper is to review the vast literature of user-centric in-formation science and inform about the emerging themes in information behaviour science. Background: The paradigmatic shift from system-centric to user-centric approach facilitates research on the cognitive and individual information processing. Various information behaviour theories/models emerged. Methodology: Recent information behaviour theories and models are presented. Features, strengths and weaknesses of the models are discussed through the analysis of the information behaviour literature. Contribution: This paper sheds light onto the weaknesses in earlier information behaviour models and stresses (and advocates) the need for research on social information behaviour. Findings: Prominent information behaviour models deal with individual information behaviour. People live in a social world and sort out most of their daily or work problems in groups. However, only seven papers discuss social information behaviour (Scopus search). Recommendations for Practitioners : ICT tools used for inter-organisational sharing should be redesigned for effective information-sharing during disaster/emergency times. Recommendation for Researchers: There are scarce sources on social side of the information behaviour, however, most of the work tasks are carried out in groups/teams. Impact on Society: In dynamic work contexts like disaster management and health care settings, collaborative information-sharing may result in decreasing the losses. Future Research: A fieldwork will be conducted in disaster management context investigating the inter-organisational information-sharing.




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Building an Informing Science Model in Light of Fake News

Aim/Purpose: Many disciplines have addressed the issue of “fake news.” This topic is of central concern to the transdiscipline of Informing Science, which endeavors to understand all issues related to informing. This paper endeavors to build a model to address not only fake news but all informing and misin-forming. To do this, it explores how errors get into informing systems, the issue of bias, and the models previously created to explore the complexity of informing. That is, this paper examines models and frameworks proposed to explore informing in the presence of bias, misinformation, disinformation, and fake news from the perspective of Informing Science. It concludes by intro-ducing a more nuanced model that considers some of the topics explored in the paper Methodology: The issue of informing and disinforming crosses many disciplinary perspectives. Each discipline puts on blinders that limit what it can contribute to its understanding of research topics. It is like trying to study a forest by seeing only the trees and not the animals or the animals but not the trees. Research perspectives that cross disciplinary boundaries are needed to more fully understand complex phenomena. This paper lays out some fundamental cross-disciplinary issues including how errors find their way into informing systems, the issue of bias, and the frameworks used to model this phenomenon. Contribution: The paper introduces the competition framework for understanding informing and misinforming. This framework addresses many of the limitation of prior frameworks. Future Research: The concluding framework offers insights into understanding informing and disinforming. But this framework offers no insights into other forms of informing that are less well explored, such as song, dance, physical art, and architecture. Likewise, this framework does nothing to help the un-derstanding of informing via fideism or psychedelic revelation.




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Created Realities: A Model

The purpose of this paper is to provide a model to help explain why ideas about reality differ. Misinformation is an important topic that in the past several years has gained prominence. The author developed a model of informing.




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Transdisciplinary Issues of the United States Healthcare Delivery System

Aim/Purpose: This paper applies informing science principles to analyze the evolution of United States (U.S.) healthcare delivery, exploring how policy shifts, technological advancements, and changing practices have transformed informing processes within this complex system. By examining healthcare delivery through a transdisciplinary lens, we aim to enhance the understanding of intricate informing environments and their dynamics. Background: The U.S. healthcare system epitomizes a complex, evolving transdisciplinary domain intersecting information systems, policy, economics, and public health. Recent transformations in stakeholder information flow necessitate an informing science perspective to comprehend these changes fully. Methodology: We synthesize literature on U.S. healthcare delivery changes, employing informing science frameworks such as Cohen’s “informing environment” concept to analyze the evolution of healthcare informing processes. Contribution: This study expands informing science theory by examining how changes in a complex transdisciplinary system impact information flow, decision-making, and stakeholder interactions. The results provide insights into challenges and opportunities within evolving informing environments. Findings: Our analysis reveals significant alterations in the U.S. healthcare informing landscape due to policy, regulatory, and technological changes. We identify key transformations in client-sender-delivery system relationships, shifts in information asymmetry, and the emergence of novel informing channels and barriers. Recommendation for Researchers: Future studies should develop informing science models capable of capturing the complexity and dynamism of healthcare delivery systems, particularly amidst rapid technological and policy changes. Future Research: Further investigation is needed into how emerging technologies reshape healthcare informing processes and their impact on care quality, accessibility, and cost-effectiveness.




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Couple Social Comparisons and Relationship Quality: A Path Analysis Model

Aim/Purpose: This study offers an important contribution to the literature on couple social comparisons by showing how different aspects of comparisons are related to relationship quality. Background: Making social comparisons is a daily tendency of human beings that does not only occur on an individual level but also in the context of romantic relationships. This phenomenon is widespread among couples, though partners differ in terms of their propensity to make couple social comparisons. The literature has shown that all these facets of couple social comparison play an important role in relationship functioning. Methodology: In the current study of 104 young adults in a heterosexual relationship, we investigated the association of couple social comparison propensity, explicit couple social comparisons, and implicit couple social comparisons with couple relationship quality in terms of commitment and relationship satisfaction. Contribution: So far, studies have not tested all these aspects in predicting partners’ relationship quality. Findings: Results showed that commitment was negatively predicted by relationship social comparison propensity and positively predicted by implicit couple social comparisons, while relationship satisfaction was positively predicted by both implicit and explicit couple social comparisons. Recommendation for Researchers: Our results have implications for couple interventions. In preventive interventions, sustaining a positive view of one’s relationship may promote relationship satisfaction and commitment. Future Research: Future research should adopt a dyadic design to investigate cross-partner associations.