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Drivers of the Consumers Adoption of Fintech Services

Aim/Purpose: This study aimed to explore the impact of environmental drivers and trust on consumers’ adoption of Fintech services in the Jordanian context. It had also evaluated the mediating role of trust on the relation between environmental drivers and consumers adoption of Fintech services. Background: The reviewed studies on Fintech adoption demonstrated a lack of focus on the role of external or environmental drivers on consumers’ intentions to use and continue to use of Fintech services. Amongst the analyzed studies, the majority had examined the role of consumers perception of services usefulness and ease of use while few had included some environmental variables within the investigated variables such as social influence and government support. Furthermore, shortage of Fintech adoption related research in the developing countries, especially the Jordanian context was noted. Methodology: The study conceptual model was derived from Social Cognitive Theory (SCT) and Technological Personal Environmental (TPE) framework. This study was a quantitative one that employed survey method to empirically address its research questions and test the proposed hypotheses. Jordanian residents over the age of 18 who are familiar with Fintech were targeted, and convenience sampling was applied to get representative sample. Data was assembled from 323 respondents using an online questionnaire. Partial Least Squares Structure Equation Modeling (PLS-SEM) was applied to analyze the gathered data through SMART-PLS software. Contribution: This article adds to the existing literature on multiple stands, as it adds to literature related to Fintech adoption, as well as the interaction between consumer environment and their level of adoption. It also enriches the limited literature on the influence of COVID-19 to drive consumer usage of innovative services. Moreover, it supplements the scarce literature on Fintech adoption in the Jordanian settings. Findings: The main findings revealed the positive influence of both environmental drivers and trust as predictors of consumer intention to use Fintech services. It had also asserted the positive mediating effect of trust on the relationship amongst environmental drivers and consumer usage intent. Recommendations for Practitioners: By understanding the importance of consumer environment and trust on encouraging consumer to adopt Fintech services, governments, policy makers and practitioners can utilize this knowledge to adopt their offered services. They need to work on enhancing the technological infrastructure, as well as establishing general technological knowledge. They also need to highlight the role of Fintech service in fighting Covid-19, by adhering to the social distancing rules. Moreover, they need to guarantee the security and reliability of the developed services to increase their level of trust in the offered services. Recommendation for Researchers: This research has confirmed the positive influence of consumer environment represented by social influence, government support, technological readiness, and COVID-19 on their adoption of Fintech services. It has also established the mediating influence of consumer trust on the relation between environmental drivers and consumer intent to use Fintech services. This area is unexplored and needs more validation. Impact on Society: By understanding the factors affecting the Jordanian society in adopting Fintech services, this research provides set of recommendation to the Jordanian government and policy makers that can lead for more adoption of the developed Fintech services, which in turn would lead to better services provided to the society as well as increasing the financial inclusion level in the Jordanian society. Future Research: Future research can explore other environmental variables that were not included in the current research. Future research can also investigate the moderating effect of personal attributes such as consumer’s demographics, or more personal attributes such as self-efficacy, inherit innovativeness or risk aversion. It can also examine the moderating effect of financial literacy and/ or technological background.




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Adoption of Mobile Commerce Services Among Artisans in Developing Countries

Aim/Purpose: This paper aims to analyze how artisans in Ghana are incorporating mobile commerce into their everyday business and how perceived usefulness, perceived ease of use, subjective norms, age, gender, expertise, and educational level affected the adoption and usage of m-commerce. Background: This study integrates well-established theoretical models to create a new conceptual model that ensures a comprehensive mobile commerce adoption survey. Methodology: A cross-sectional survey was conducted to measure the constructs and their relations to test the research model. Contribution: The study’s findings confirmed previous results and produced a new conceptual model for mobile commerce adoption and usage. Findings: Except for gender, perceived ease of use, and subjective norms that did not have specific effects on mobile commerce adoption, age, educational level, perceived usefulness, expertise, attitude, and behavioral intention showed significant effects. Recommendations for Practitioners: First of all, mobile commerce service providers should strategically pay critical attention to customer-centered factors that positively affect the adoption of mobile commerce innovations than focusing exclusively on technology-related issues. Mobile service providers can attract more users if they carefully consider promoting elements like perceived usefulness and perceived ease of use which directly or indirectly affect the individuals’ decision to adopt information technology from consumer perspectives. Second, mobile commerce service providers should strategically focus more on younger individuals since, per the research findings, they are more likely to adopt mobile commerce innovations than the older folks in Ghana. Third, service providers should also devise strategies to retain actual users of m-commerce by promoting elements like behavioral intentions and attitude, which according to the research findings, have a higher predictive power on actual usage of m-commerce. Recommendation for Researchers: The conceptual model developed can be employed by researchers worldwide to analyze technology acceptance research. Impact on Society: The study’s findings suggested that mobile commerce adoption could promote a cashless society that is convenient for making buying things quicker and easier. Future Research: The research sample size could be increased, and also the study could all sixteen regions in Ghana or any other country for a broader representation.




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The Segmentation of Mobile Application Users in The Hotel Booking Journey

Aim/Purpose: This study aims to create customer segmentation who use Online Travel Agent (OTA) mobile applications in Indonesia throughout their hotel booking journey. Background: In the context of mobile hotel booking applications, research analyzing the customer experience at each customer journey stage is scarce. However, literature increasingly acknowledges the significance of this stage in comprehending customer behavior and revenue streams. Methodology: This study employs a mixed-method and exploratory approach by doing in-depth interviews with 20 participants and questionnaires from 207 participants. Interview data are analyzed using thematic analysis, while the questionnaires are analyzed using descriptive statistics. Contribution: This study enriches knowledge in understanding customer behavior that considers the usage of mobile apps as a segmentation criterion in the hotel booking journey. Findings: We developed four user personas (no sweat player, spotless seeker, social squad, and bargain hunter) that show customer segmentation based on the purpose, motivation, and actions in each journey stage (inspiration, consideration, reservation, and experience). Recommendations for Practitioners: The resulting customer segmentation enables hospitality firms to improve their current services by adapting to the needs of various segments and avoiding unanticipated customer pain points, such as incomplete information, price changes, no social proof, and limited payment options. Recommendation for Researchers: The quality and robustness of the customer segment produced in this study can be further tested based on the criteria of homogeneity, size, potential benefits, segment stability, segment accessibility, segment compatibility, and segment actionability. Impact on Society: This study has enriched the existing literature by establishing a correlation between user characteristics and how they use smartphones for tourism planning, focusing on hotel booking in mobile applications. Future Research: For future research, each customer segment’s demographic and behavioral factors can be explored further.




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Factors Influencing User’s Intention to Adopt AI-Based Cybersecurity Systems in the UAE

Aim/Purpose: The UAE and other Middle Eastern countries suffer from various cybersecurity vulnerabilities that are widespread and go undetected. Still, many UAE government organizations rely on human-centric approaches to combat the growing cybersecurity threats. These approaches are ineffective due to the rapid increase in the amount of data in cyberspace, hence necessitating the employment of intelligent technologies such as AI cybersecurity systems. In this regard, this study investigates factors influencing users’ intention to adopt AI-based cybersecurity systems in the UAE. Background: Even though UAE is ranked among the top countries in embracing emerging technologies such as digital identity, robotic process automation (RPA), intelligent automation, and blockchain technologies, among others, it has experienced sluggish adoption of AI cybersecurity systems. This selectiveness in adopting technology begs the question of what factors could make the UAE embrace or accept new technologies, including AI-based cybersecurity systems. One of the probable reasons for the slow adoption and use of AI in cybersecurity systems in UAE organizations is the employee’s perception and attitudes towards such intelligent technologies. Methodology: The study utilized a quantitative approach whereby web-based questionnaires were used to collect data from 370 participants working in UAE government organizations considering or intending to adopt AI-based cybersecurity systems. The data was analyzed using the PLS-SEM approach. Contribution: The study is based on the Protection Motivation Theory (PMT) framework, widely used in information security research. However, it extends this model by including two more variables, job insecurity and resistance to change, to enhance its predictive/exploratory power. Thus, this research improves PMT and contributes to the body of knowledge on technology acceptance, especially in intelligent cybersecurity technology. Findings: This paper’s findings provide the basis from which further studies can be conducted while at the same time offering critical insights into the measures that can boost the acceptability and use of cybersecurity systems in the UAE. All the hypotheses were accepted. The relationship between the six constructs (perceived vulnerability (PV), perceived severity (PS), perceived response efficacy (PRE), perceived self-efficacy (PSE), job insecurity (JI), and resistance to change (RC)) and the intention to adopt AI cybersecurity systems in the UAE was found to be statistically significant. This paper’s findings provide the basis from which further studies can be conducted while at the same time offering critical insights into the measures that can boost the acceptability and use of cybersecurity systems in the UAE. Recommendations for Practitioners: All practitioners must be able to take steps and strategies that focus on factors that have a significant impact on increasing usage intentions. PSE and PRE were found to be positively related to the intention to adopt AI-based cybersecurity systems, suggesting the need for practitioners to focus on them. The government can enact legislation that emphasizes the simplicity and awareness of the benefits of cybersecurity systems in organizations. Recommendation for Researchers: Further research is needed to include other variables such as facilitating conditions, AI knowledge, social influence, and effort efficacy as well as other frameworks such as UTAUT, to better explain individuals’ behavioral intentions to use cybersecurity systems in the UAE. Impact on Society: This study can help all stakeholders understand what factors can increase users’ interest in investing in the applications that are embedded with security. As a result, they have an impact on economic recovery following the COVID-19 pandemic. Future Research: Future research is expected to investigate additional factors that can influence individuals’ behavioral intention to use cybersecurity systems such as facilitating conditions, AI knowledge, social influence, effort efficacy, as well other variables from UTAUT. International research across nations is also required to build a larger sample size to examine the behavior of users.




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Use of Mobile Health Applications by Lay Users in Kuwait

Aim/Purpose: This study aims to explore the use of mobile health applications (mHealth apps) by lay users in Kuwait. Specifically, it seeks to: (i) identify and highlight the impact of factors that contribute to their use of mHealth apps and (ii) validate a model of these users’ usage of mHealth apps. Background: The advancement of information technologies has paved the way for efficiency and effectiveness in healthcare sectors in developed countries. Kuwait has attempted to revolutionise healthcare systems through mobile applications of information technology solutions to educate users on better methods of receiving customised health services. However, end-user usage of mHealth apps remains in the infancy in developing countries, including Kuwait. Lay users are often vulnerable and frequently overlooked by researchers and health technology providers. Methodology: A cross-sectional study was conducted among 225 lay users of mHealth apps in Kuwait using an online questionnaire to achieve the study objectives. A purposive sampling method utilising convenience and snowballing sampling techniques was used in which all the respondents were lay users. Descriptive statistics, Pearson correlation, and regression analyses were employed to analyse the collected data. Contribution: The study contributes to the extant literature on health informatics and mHealth by providing a comprehensive understanding of how technological, social, and functional factors are related to mHealth apps in the context of developing countries. It identifies key drivers of mHealth app use, suggests expanding the TAM model, and facilitates comparisons with developed countries, addressing gaps in mHealth research. Findings: Four factors (i.e., perceived trust (PT), perceived ease of use (PEU) and behaviour control (PBC), perceived usefulness (PU), and subjective norms (SN)) were identified that influence the use of mHealth apps. These four identified factors also contributed to lay users’ use of these mHealth apps. Among these four factors, perceived trust (PT) was the main contributor to lay users’ use of these mHealth apps. Recommendations for Practitioners: Based on the empirical results, this study provides feasible recommendations for the government, healthcare providers, and developers of mHealth apps. The findings urge developers to enhance app functionality by prioritising privacy and security to build user trust while outlining guidelines for future development focused on user-centric design and compliance with data privacy regulations. Additionally, the government should establish supportive policies and funding, ensure regulatory oversight, and promote public awareness to foster trust. Healthcare providers should integrate mHealth apps into their services, train staff for practical use, gather users’ feedback, and collaborate with developers to create tailored healthcare solutions. Future Research: Additional research is required to apply probability sampling techniques and increase the sample size to generate more reliable and generalisable findings. Additionally, the young age segment must be considered here, and research must be extended to consider the moderating role of demographic factors like age, gender, and educational levels to better understand the adoption of mHealth apps.




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Personalized Tourism Recommendations: Leveraging User Preferences and Trust Network

Aim/Purpose: This study aims to develop a solution for personalized tourism recommendations that addresses information overload, data sparsity, and the cold-start problem. It focuses on enabling tourists to choose the most suitable tourism-related facilities, such as restaurants and hotels, that match their individual needs and preferences. Background: The tourism industry is experiencing a significant shift towards digitalization due to the increasing use of online platforms and the abundance of user data. Travelers now heavily rely on online resources to explore destinations and associated options like hotels, restaurants, attractions, transportation, and events. In this dynamic landscape, personalized recommendation systems play a crucial role in enhancing user experience and ensuring customer satisfaction. However, existing recommendation systems encounter major challenges in precisely understanding the complexities of user preferences within the tourism domain. Traditional approaches often rely solely on user ratings, neglecting the complex nature of travel choices. Data sparsity further complicates the issue, as users might have limited interactions with the system or incomplete preference profiles. This sparsity can hinder the effectiveness of these systems, leading to inaccurate or irrelevant recommendations. The cold-start problem presents another challenge, particularly with new users who lack a substantial interaction history within the system, thereby complicating the task of recommending relevant options. These limitations can greatly hinder the performance of recommendation systems and ultimately reduce user satisfaction with the overall experience. Methodology: The proposed User-based Multi-Criteria Trust-aware Collaborative Filtering (UMCTCF) approach exploits two key aspects to enhance both the accuracy and coverage of recommendations within tourism recommender systems: multi-criteria user preferences and implicit trust networks. Multi-criteria ratings capture the various factors that influence user preferences for specific tourism items, such as restaurants or hotels. These factors surpass a simple one-star rating and take into account the complex nature of travel choices. Implicit trust relationships refer to connections between users that are established through shared interests and past interactions without the need for explicit trust declarations. By integrating these elements, UMCTCF aims to provide more accurate and reliable recommendations, especially when data sparsity limits the ability to accurately predict user preferences, particularly for new users. Furthermore, the approach employs a switch hybridization scheme, which combines predictions from different components within UMCTCF. This scheme leads to a more robust recommendation strategy by leveraging diverse sources of information. Extensive experiments were conducted using real-world tourism datasets encompassing restaurants and hotels to evaluate the effectiveness of UMCTCF. The performance of UMCTCF was then compared against baseline methods to assess its prediction accuracy and coverage. Contribution: This study introduces a novel and effective recommendation approach, UMCTCF, which addresses the limitations of existing methods in personalized tourism recommendations by offering several key contributions. First, it transcends simple item preferences by incorporating multi-criteria user preferences. This allows UMCTCF to consider the various factors that users prioritize when making tourism decisions, leading to a more comprehensive understanding of user choices and, ultimately, more accurate recommendations. Second, UMCTCF leverages the collective wisdom of users by incorporating an implicit trust network into the recommendation process. By incorporating these trust relationships into the recommendation process, UMCTCF enhances its effectiveness, particularly in scenarios with data sparsity or new users with limited interaction history. Finally, UMCTCF demonstrates robustness towards data sparsity and the cold-start problem. This resilience in situations with limited data or incomplete user profiles makes UMCTCF particularly suitable for real-world applications in the tourism domain. Findings: The results consistently demonstrated UMCTCF’s superiority in key metrics, effectively addressing the challenges of data sparsity and new users while enhancing both prediction accuracy and coverage. In terms of prediction accuracy, UMCTCF yielded significantly more accurate predictions of user preferences for tourism items compared to baseline methods. Furthermore, UMCTCF achieved superior coverage compared to baseline methods, signifying its ability to recommend a wider range of tourism items, particularly for new users who might have limited interaction history within the system. This increased coverage has the potential to enhance user satisfaction by offering a more diverse and enriching set of recommendations. These findings collectively highlight the effectiveness of UMCTCF in addressing the challenges of personalized tourism recommendations, paving the way for improved user satisfaction and decision-making within the tourism domain. Recommendations for Practitioners: The proposed UMCTCF approach offers a potential opportunity for tourism recommendation systems, enabling practitioners to create solutions that prioritize the needs and preferences of users. By incorporating UMCTCF into online tourism platforms, tourists can utilize its capabilities to make well-informed decisions when selecting tourism-related facilities. Furthermore, UMCTCF’s robust design allows it to function effectively even in scenarios with data sparsity or new users with limited interaction history. This characteristic makes UMCTCF particularly valuable for real-world applications, especially in scenarios where these limitations are common obstacles. Recommendation for Researchers: The success of UMCTCF can open up new avenues in personalized recommendation research. One promising direction lies in exploring the integration of additional contextual information, such as temporal (time-based) or location-based information. By incorporating these elements, the model could be further improved, allowing for even more personalized recommendations. Furthermore, exploring the potential of UMCTCF in domains other than tourism has considerable significance. By exploring its effectiveness in other e-commerce domains, researchers can broaden the impact of UMCTCF and contribute to the advancement of personalized recommendation systems across various industries. Impact on Society: UMCTCF has the potential to make a positive impact on society in various ways. By delivering accurate and diverse recommendations that are tailored to individual user preferences, UMCTCF fosters a more positive and rewarding user experience with tourism recommendation systems. This can lead to increased user engagement with tourism platforms, ultimately enhancing overall satisfaction with travel planning. Furthermore, UMCTCF enables users to make more informed decisions through broader and more accurate recommendations, potentially reducing planning stress and leading to more fulfilling travel experiences. Future Research: Expanding upon the success of UMCTCF, future research activities can explore several promising paths. Enriching UMCTCF with various contextual data, such as spatial or location-based data, to enhance recommendation accuracy and relevance. Leveraging user-generated content, like reviews and social media posts, could provide deeper insights into user preferences and sentiments, improving personalization. Additionally, applying UMCTCF in various e-commerce domains beyond tourism, such as online shopping, entertainment, and healthcare, could yield valuable insights and enhance recommendation systems. Finally, exploring the integration of optimization algorithms could improve both recommendation accuracy and efficiency.




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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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Impact of User Satisfaction With E-Government Services on Continuance Use Intention and Citizen Trust Using TAM-ISSM Framework

Aim/Purpose: This study investigates the drivers of user satisfaction in e-government services and its influence on continued use intention and citizen trust in government. It employs the integration of the Technology Acceptance Model (TAM) and the Information System Success Model (ISSM). Background: Electronic government, transforming citizen-state interactions, has gained momentum worldwide, including in India, where the aim is to leverage technology to improve citizen services, streamline administration, and engage the public. While prior research has explored factors influencing citizen satisfaction with e-government services globally, this area of study has been relatively unexplored in India, particularly in the post-COVID era. Challenges to widespread e-government adoption in India include a large and diverse population, limited digital infrastructure in rural areas, low digital literacy, and weak data protection regulations. Additionally, global declines in citizen trust, attributed to economic concerns, corruption, and information disclosures, further complicate the scenario. This study seeks to investigate the influence of various factors on user satisfaction and continuance usage of e-government services in India. It also aims to understand how these services contribute to building citizens’ trust in government. Methodology: The data were collected by utilizing survey items on drivers of e-government services, user satisfaction, citizen trust, and continuance use intention derived from existing literature on information systems and e-government. Responses from 501 Indian participants, collected using an online questionnaire, were analyzed using PLS-SEM. Contribution: This study makes a dual contribution to the e-government domain. First, it introduces a comprehensive research model that examines factors influencing users’ satisfaction and continuance intention with e-government services. The proposed model integrates the TAM and ISSM. Combining these models allows for a comprehensive examination of e-government satisfaction and continued intention. By analyzing the impact of user satisfaction on continuance intention and citizen trust through an integrated model, researchers and practitioners gain insights into the complex dynamics involved. Second, the study uncovers the effects of residential status on user satisfaction, trust, and continuance intention regarding e-government services. Findings reveal disparities in the influence of system and service quality on user satisfaction across different user segments. Researchers and policymakers should consider these insights when designing e-government services to ensure user satisfaction, continuance intention, and the building of citizen trust. Findings: The findings indicate that the quality of information, service, system, and perceived usefulness play important roles in user satisfaction with e-government services. All hypothesized paths were significant, except for perceived ease of use. Furthermore, the study highlights that user satisfaction significantly impacts citizen trust and continuance use intention. Recommendations for Practitioners: The findings suggest that government authorities should focus on delivering accurate, comprehensive, and timely information in a secure, glitch-free, and user-friendly digital environment. Implementing an interactive and accessible interface, ensuring compatibility across devices, and implementing swift query resolution mechanisms collectively contribute to improving users’ satisfaction. Conducting awareness and training initiatives, providing 24×7 access to online tutorials, helpdesks, technical support, clear FAQs, and integrating AI-driven customer service support can further ensure a seamless user experience. Government institutions should leverage social influence, community engagement, and social media campaigns to enhance user trust. Promotional campaigns, incentive programs, endorsements, and user testimonials should be used to improve users’ satisfaction and continuance intention. Recommendation for Researchers: An integrated model combining TAM and ISSM offers a robust approach for thoroughly analyzing the diverse factors influencing user satisfaction and continuance intention in the evolving digitalization landscape of e-government services. This expansion, aligning with ISSM’s perspective, enhances the literature by demonstrating how user satisfaction impacts continuance usage intention and citizen trust in e-government services in India and other emerging economies. Impact on Society: Examining the factors influencing user satisfaction and continuance intention in e-government services and their subsequent impact on citizen trust carries significant societal implications. The findings can contribute to the establishment of transparent and accountable governance practices, fostering a stronger connection between governments and their citizens. Future Research: There are several promising avenues to explore to enhance future research. Expanding the scope by incorporating a larger sample size could enable a more thorough analysis. Alternatively, delving into the performance of specific e-government services would offer greater precision, considering that this study treats e-government services generically. Additionally, incorporating in-depth interviews and longitudinal studies would yield a more comprehensive understanding of the dynamic evolution of digitalization.




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Characteristics of industrial service ecosystem practices for industrial renewal

The emergence of service ecosystems can accelerate the industrial renewal required because of urgent global challenges. However, existing research has not sufficiently grasped the social dynamics of coevolution in ecosystems that enhance industrial renewal. This study aimed to advance ecosystem research through a practice lens and to present the key characteristics of industrial service ecosystem practice involved in industrial renewal. Consequently, its three characteristics - <i>accomplishment</i>, <i>attractiveness</i> and <i>actionability</i> - were configured based on an abductive study derived from the ecosystem literature, three practice-oriented approaches to learning, and two case ecosystem examinations. These features created the logic for resource integration and enhanced ecosystems to evolve as units, thus exceeding the actors' independent avenues of renewal. The findings of this study provided a deeper understanding of the coevolution in ecosystems needed to accelerate industrial renewal as well as a novel conceptualisation of an <i>ecosystem-as-practice</i> for further studies.




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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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International Journal of Services Technology and Management




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




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Pre-service Teachers' Learning Object Development: A Case Study in K-12 Setting




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Evaluation of Learning Objects from the User's Perspective: The Case of the EURIDICE Service




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Introduction to the IJELLO Special Series




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Challenges of Integrating Technologies for Learning: Introduction to the IJELLO Special Series of Chais Conference 2010 Best Papers




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Developing Web-Based Learning Resources in School Education: A User-Centered Approach




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Learning and Teaching in the Technological Era: Introduction to the IJELLO Special Series of Chais Conference 2011 Best Papers




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An Agent-based Federated Learning Object Search Service




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Introduction to the IJELLO Special Series of Chais Conference 2012 Best Papers




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Does Use of ICT-Based Teaching Encourage Innovative Interactions in the Classroom? Presentation of the CLI-O: Class Learning Interactions – Observation Tool




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Introduction to the IJELLO Special Series of Chais Conference 2013 Best Papers




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Introduction to the IJELLO Special Series of Chais Conference 2014 Best Papers




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A Decade of Chais Conferences: Introduction to the IJELL Special Series of Chais Conference 2015 Best Papers

The seventh issue of the Interdisciplinary Journal of e-Skills and Lifelong Learning (IJELL- formerly Interdisciplinary Journal of E-Learning and Learning Objects - IJELLO) special series includes a selection of best papers presented at the 10th Chais Conference for the Study of Innovation and Learning Technologies: Learning in the Technological Era. The Chais conference 2015 was held at The Open University of Israel, Raanana, Israel, on February 10-11, 2015, and was organized by its Research Center for Innovation in Learning Technologies. This preface presents the mission and activities of the Research Center for Innovation in Learning Technologies at the Open University of Israel. It describes the objectives and themes of the Chais conference 2015, explains the special series synergies with IJELL and the Informing Science Institute, chronicles the topics that have been published in the series, and introduces the papers included in this special selection.




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CAPTCHA: Impact on User Experience of Users with Learning Disabilities

CAPTCHA is one of the most common solutions to check if the user trying to enter a Website is a real person or an automated piece of software. This challenge-response test, implemented in many Internet Websites, emphasizes the gaps between accessibility and security on the Internet, as it poses an obstacle for the learning-impaired in the reading and comprehension of what is presented in the test. Various types of CAPTCHA tests have been developed in order to address accessibility and security issues. The objective of this study is to investigate how the differences between various CAPTCHA tests affect user experience among populations with and without learning disabilities. A questionnaire accompanied by experiencing five different tests was administered to 212 users, 60 of them with learning disabilities. Response rates for each test and levels of success were collected automatically. Findings suggest that users with learning disabilities have more difficulties in solving the tests, especially those with distorted texts, have more negative attitudes towards the CAPTCHA tests, but the response time has no statistical difference from users without learning disabilities. These insights can help to develop and implement solutions suitable for many users and especially for population with learning disabilities.




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Introduction to the IJELL Special Series of Chais Conference 2016 Best Papers

This preface presents the papers included in the eighth issue of the Interdisciplinary Journal of e-Skills and Lifelong Learning (IJELL) special series of selected Chais Conference best papers. The Chais Conference for the Study of Innovation and Learning Technologies: Learning in the Technological Era, is organized annually by the Research Center for Innovation in Learning Technologies, The Open University of Israel. The 11th Chais Conference was held at The Open University of Israel, Raanana, Israel, on February 16-17, 2016.




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Greek Nursery School Teachers’ Thoughts and Self-Efficacy on using ICT in Relation to Their School Unit Position: The Case of Kavala

The purpose of this research is the exploration of the opinions and level of self-efficacy in the usage of Information Communication Technologies (ICTs) of teachers in Greek pre-schools in the learning process and administration of nurseries. By using the term “usage and utilisation of ICTs in the learning process” we mean the utilisation of the capabilities that new technologies offer in an educationally appropriate way so that the learning process yields positive results. By using the term “self-efficacy” we describe the strength of one’s belief in one’s own ability to use the capabilities he or she possess. In this way, the beliefs of the person in his or her ability to use a personal computer constitute the self-efficacy in computer usage. The research sample consists of 128 pre-school teachers that work in the prefecture of Kavala. Kavala’s prefecture is a representative example of an Education Authority since it consists of urban, suburban, and rural areas. The approach that is deemed to be the most appropriate for the exploration of such research questions is content analysis methodology and correlation analysis. The main findings of the study have shown statistically significant differences regarding the opinions and stances of the pre-school teachers for the introduction of the ICTs in the administration and the usage and utilisation of ICTs in the administration and preparation of teaching. Lastly, there were statistically significant differences between the opinions and stances of the pre-school teachers for the usage and utilisation of ICTs in the learning process. Instead, there were no statistically significant differences regarding the level of self-efficacy of the pre-school teachers in the usage and utilisation of the ICTs in the learning process. The research results could be used in the educational field as well as by Greek Ministry of Education, Research and Religious Affairs in order to take any corrective action, after the effort of Greek Ministry of Education, Research and Religious Affairs, to integrate ICT in the learning process with training courses since 2006.




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The Impact of the National Program to Integrate ICT in Teaching in Pre-Service Teacher Training

Aim/Purpose: This study examines the impact of the Israeli National Program on pre-service teachers’ skills in the integration of ICT in teaching and discusses the influential factors of successful implementation of practices in the field. Background: In the current Information Age, many countries relate to education as an im-portant factor for national growth. Teacher education plays a significant role in coping with the challenge of educating a new generation of school students to compete in a technology-driven society. In 2011, the Israel Ministry of Education initiated the National Program for transforming teacher education colleges to meet the demands of the 21st century. Methodology: The study focuses on two research questions: (1) What was the impact of the National Program on pre-service teacher training concerning the integration of ICT in their teaching? (2) What are the predictors of the pre-service teachers’ practice of ICT integration in teaching? It is a quantitative study, based on data collected in two rounds two years apart that compares several indices of pre-service teachers’ preparation to teach with ICT. Contribution: The findings offer insights regarding influential factors of successful integration of ICT in education. Findings: Analyses showed a significant increase in most of the indices of teacher training according to the National Program, in particular in the number of ICT-based lessons that pre-service teachers taught in their teaching practice at schools. Predictors of ICT integration in teaching were modeling by faculty members and school mentor teachers, the number of ICT-based lessons taught by pre-service teachers, and pre-requisite conditions at schools and colleges. Recommendations for Practitioners: The current challenge is to promote innovative ICT-based teaching methods among teacher educators, school teacher mentors, and pre-service teachers. Recommendation for Researchers: The findings underscore the importance of modelling by the school mentors as well as pre-requisite conditions at schools. Impact on Society: Being acquainted with the most influential factors of successful integration of ICT in teaching by pre-service teachers can improve teacher education as well as the education system in educating future generations. Future Research: More research is needed to learn about the dissemination of innovative models of ICT integration in teaching by pre-service teachers and their educators.




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Beyond the Walls of the Classroom: Introduction to the IJELL Special Series of Chais Conference 2017 Best Papers

Aim/Purpose: This preface presents the papers included in the ninth issue of the Interdisciplinary Journal of e-Skills and Lifelong Learning (IJELL) special series of selected Chais Conference best papers. Background: The Chais Conference for the Study of Innovation and Learning Technologies: Learning in the Technological Era, is organized by the Research Center for Innovation in Learning Technologies, The Open University of Israel. The 12th Chais Conference was held at The Open University of Israel, Raanana, Israel, on February 14-15, 2017. Each year, selected papers of the Chais conference are expanded and published in IJELL. Methodology: A qualitative conceptual analysis of the themes and insights of the papers included in the ninth selection of IJELL special series of selected Chais Conference best papers. Contribution: The presentation of the papers of this selection emphasizes their novelty, as well as their main implications, describes current research issues, and chronicles the main themes within the discourse of learning technologies research, as reflected at the Chais 2017 conference. Findings: Contemporary research goes ‘beyond the walls of the classroom’ and investigates systemic and pedagogical aspects of integrating learning technologies in education on a large scale. Recommendation for Researchers: Researchers are encouraged to investigate broad aspects of seizing the opportunities and overcoming the challenges of integrating innovative technologies in education. Impact on Society: Effective application of learning technologies has a major potential to improve the well-being of individuals and societies. Future Research: The conceptual analysis of contemporary main themes of innovative learning technologies may provide researchers with novel directions for future research on various aspects of the effective utilization of learning technologies.




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The Impact of Preservice and New Teachers’ Involvement in Simulation Workshop and Their Perceptions about the Concept of Conflict in Education

Aim/Purpose: In the modern world, simulation has become a new phenomenon in education, which conveys new and innovative ideas of curriculum, instruction, and classroom management. It makes certain of Aristotle’s words when he said that “The things we have to learn before we do them, we must learn by doing them”. One might think that simulation in education is one of these technologies. This study examined preservice and new teachers’ perceptions about the con-cept of conflict and educational conflict management in a simulation workshop conducted at the Academic Arab College’s Simulation Center in Haifa, Israel. Background: Simulation engages learners in “deep learning” and empowers their understanding. In other words, simulation provides an alternative real world experience. As part of our work at the Educational Simulation Center in the Arab Academic College in Haifa, Israel, we examined the performance and contribution of educators who visit the center and participate in educational conflict management simulation workshops. Methodology: A mixed methods study was conducted. A total of 237 participants of preservice teachers from diverse professions were divided into 15 groups to examine the research question: How does the experience of participating in a simulation workshop affect preservice teachers’ perception about the concept of conflict? Contribution: This study seeks to contribute to simulation and conflict management in education. This contribution to the body of literature can help researchers, scholars, students, and education technology professionals to advance simulation research studies. Findings: The study findings indicate that there is a high degree of satisfaction (more than 90%) among preservice teachers in participating in the workshop. It also indicates a positive and significant change in participants’ perceptions of the concept of conflict and the management of conflict situations. Recommendations for Practitioners: In light of the study findings, it is recommended that new teachers be exposed to simulation workshops with a variety of scenarios dealing with different conflict situations. This exposure could contribute to their professional development and conduct in a more efficient and convenient manner in schools.




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An Exploratory Study of Online Equity: Differential Levels of Technological Access and Technological Efficacy Among Underserved and Underrepresented Student Populations in Higher Education

Aim/Purpose: This study aims to explore levels of Technological Access (ownership, access to, and usage of computer devices as well as access to Internet services) and levels of Technological Efficacy (technology related skills) as they pertain to underserved (UNS) and underrepresented (UNR) students. Background: There exists a positive correlation between technology related access, technology related competence, and academic outcomes. An increasing emphasis on expanding online education at the author’s institution, consistent with nationwide trends, means that it is unlikely that just an increase in online offerings alone will result in an improvement in the educational attainment of students, especially if such students lack access to technology and the technology related skills needed to take advantage of online learning. Most studies on levels of Technological Access and Technological Efficacy have dealt with either K-12 or minority populations with limited research on UNS and UNR populations who form the majority of students at the author’s institution. Methodology: This study used a cross-sectional survey research design to investigate the research questions. A web survey was sent to all students at the university except first semester new and first semester transfer students from various disciplines (n = 535). Descriptive and inferential statistics were used to analyze the survey data. Contribution: This research provides insight on a population (UNS and UNR) that is expanding in higher education. However, there is limited information related to levels of Technological Access and Technological Efficacy for this group. This paper is timely and relevant as adequate access to technology and technological competence is critical for success in the expanding field of online learning, and the research findings can be used to guide and inform subsequent actions vital to bridging any educational equity gap that might exist. Findings: A critical subset of the sample who were first generation, low income, and non-White (FGLINW) had significantly lower levels of Technological Access. In addition, nearly half of the survey sample used smartphones to access online courses. Technological Efficacy scores were significantly lower for students who dropped out of or never enrolled in an online course. Transfer students had significantly higher Technological Efficacy scores while independent students (determined by tax status for federal financial aid purposes) reflected higher Technological Efficacy, but at a marginally lower level of significance. Recommendations for Practitioners: Higher education administrators and educators should take into consideration the gaps in technology related access and skills to devise institutional interventions as well as formulate pedagogical approaches that account for such gaps in educational equity. This will help ensure pathways to sustained student success given the rapidly growing landscape of online education. Recommendation for Researchers: Similar studies need to be conducted in other institutions serving UNS and UNR students in order to bolster findings and increase awareness. Impact on Society: The digital divide with respect to Technological Access and Technological Efficacy that impacts UNS and UNR student populations must be addressed to better prepare such groups for both academic and subsequent professional success. Addressing such gaps will not only help disadvantaged students maximize their educational opportunities but will also prepare them to navigate the challenges of an increasingly technology driven society. Future Research: Given that it is more challenging to write papers and complete projects using a smartphone, is there a homework gap for UNS and UNR students that may impact their academic success? What is the impact of differing levels of Technological Efficacy on specific academic outcomes of UNS and UNR students?




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Special Series on Tools, Techniques, and Technologies for Promoting Organizational Learning




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Self-Service Banking: Value Creation Models and Information Exchange




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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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A Framework for Effective User Interface Design for Web-Based Electronic Commerce Applications




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Introduction to the Special Series on Widening the Focus




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WebSpy: An Architecture for Monitoring Web Server Availability in a Multi-Platform Environment




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Introduction to the Special Series on the Digital Divide




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Web-enabled Information and Referral Services: A Framework for Analysis




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Internal Data Market Services: An Ontology-Based Architecture and Its Evaluation




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Information Literacy: A Community Service-Learning Approach




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Human Services Information Technology: A Shared System




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The Development of Consumer-Driven Human Services Information Technology Initiatives: The Lake County Indiana Experience




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Introduction to the Special Series on Community Informatics




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Introduction to the Special Series of Papers on Informing Each Other: Bridging the Gap between Researcher and Practitioners




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Use-Cases and Personas: A Case Study in Light-Weight User Interaction Design for Small Development Projects




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The Value of User Participation in E-Commerce Systems Development




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Informing Citizens in a Highly Restrictive Environment Using Low-Budget Multimedia Communications: A Serbian Case Study




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On Categorizing the IS Research Literature: User Oriented Perspective