v

Continuous Use of Mobile Banking Applications: The Role of Process Virtualizability, Anthropomorphism and Virtual Process Failure Risk

Aim/Purpose: The research aims to investigate the factors that influence the continuous use of mobile banking applications to complete banking monetary transactions. Background: Despite a significant increase in the use of mobile banking applications, particularly during the COVID-19 pandemic, new evidence indicates that the use rate of mobile banking applications for operating banking monetary transactions has declined. Methodology: The study proposed an integrated model based mainly on the process virtualization theory (PVT) with other novel factors such as mobile banking application anthropomorphism and virtual process failure risk. The study model was empirically validated using structural equation modeling analysis on quantitative data from 484 mobile banking application users from Jordan. Contribution: The study focuses on continuing use or post-adoption behavior rather than pre-adoption behavior. This is important since the maximum and long-term viability, as well as the financial investment in mobile banking applications, depend on regular usage rather than first-time use or initial experience. Findings: The results indicate that process virtualizable and anthropomorphism have a strong positive impact on bank customers’ decisions to continue using mobile banking applications to complete banking monetary transactions. Meanwhile, the negative impact of virtualization process failure risk on continuous use has been discovered. The found factors explain 67.5% of the variance in continuous use. Recommendations for Practitioners: The study identified novel, significant factors that affect bank customers’ decisions to use mobile banking applications frequently, and these factors should be examined, matched, satisfied, or addressed when redesigning or upgrading mobile applications. Banks should provide users with clear directions, processes, or tutorials on how to complete monetary transactions effectively. They should also embrace Artificial Intelligence (AI) technology to improve their applications and products with anthropomorphic features like speech synthesizers, Chatbots, and AI-powered virtual bank assistants. This is expected to help bank customers conduct various banking services conveniently and securely, just as if interacting with real people. The study further recommends that banks create and publish clear norms and procedures, as well as promote tolerance and protect consumers’ rights when the process fails or mistakes occur. Recommendation for Researchers: The study provides measurement items that were specifically built for the context of mobile banking applications based on PVT notions. Researchers are invited to reuse, test, and modify existing measurement items, as well as submit new ones if necessary. The study model does not consider psychological aspects like trust and satisfaction, which would provide additional insight into factors affecting continuing use. Researchers could potentially take a different approach by focusing on user resistance and non-adoption. Impact on Society: Financial inclusion is problematic, particularly in underdeveloped nations. According to financial inclusion research, Jordanians rarely utilize mobile banking apps. Continuous usage of mobile banking applications will be extremely beneficial in closing the financial inclusion gap, particularly among women. Furthermore, it could help the country’s efforts to transition to a digital society. Future Research: The majority of study participants are from urban areas. Future studies should focus on consumers who live in rural areas. It was also suggested that the elderly be targeted because they may have different views/perspectives on the continued use of mobile banking applications.




v

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.




v

Using Social Media Applications for Accessing Health-related Information: Evidence from Jordan

Aim/Purpose: This study examined the use of Social Media Applications (SMAs) for accessing health-related information within a heterogeneous population in Jordan. The objective of this study was therefore threefold: (i) to investigate the usage of SMAs, including WhatsApp, Twitter, YouTube, Snapchat, Instagram, and Facebook, for accessing health-related information; (ii) to examine potential variations in the use of SMAs based on demographic and behavioral characteristics; and (iii) to identify the factors that can predict the use of SMAs. Background: There has been limited focus on investigating the behavior of laypeople in Jordan when it comes to seeking health information from SMAs. Methodology: A cross-sectional study was conducted among the general population in Jordan using an online questionnaire administered to 207 users. A purposive sampling technique was employed, wherein all the participants actively sought online health information. Descriptive statistics, t-tests, and regression analyses were utilized to analyze the collected data. Contribution: This study adds to the existing body of research on health information seeking from SMAs in developing countries, with a specific focus on Jordan. Moreover, laypeople, often disregarded by researchers and health information providers, are the most vulnerable individuals who warrant greater attention. Findings: The findings indicated that individuals often utilized YouTube as a platform to acquire health-related information, whereas their usage of Facebook for this purpose was less frequent. Participants rarely utilized Instagram and WhatsApp to obtain health information, while Twitter and Snapchat were very seldom used for this purpose. The variable of sex demonstrated a notable positive correlation with the utilization of YouTube and Twitter for the purpose of finding health-related information. Conversely, the variable of nationality exhibited a substantial positive correlation with the utilization of Facebook, Instagram, and Twitter. Consulting medical professionals regarding information obtained from the Internet was a strong indicator of using Instagram to search for health-related information. Recommendations for Practitioners: Based on the empirical results, this study provides feasible recommendations for the government, healthcare providers, and developers of SMAs. Recommendation for Researchers: Researchers should conduct separate investigations for each application specifically pertaining to the acquisition of health-related information. Additionally, it is advisable to investigate additional variables that may serve as predictors for the utilization of SMAs. Impact on Society: The objective of this study is to enhance the inclination of the general public in Jordan to utilize SMAs for health-related information while also maximizing the societal benefits of these applications. Future Research: Additional research is required to examine social media’s usability (regarding ease of use) and utility (comparing advantages to risks) in facilitating effective positive change and impact in healthcare.




v

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.




v

IJIKM Volume 19, 2024 – Table of Contents

Table of Contents for Volume 19, 2024, of the Interdisciplinary Journal of Information, Knowledge, and Management




v

Automatic pectoral muscles and artefacts removal in mammogram images for improved breast cancer diagnosis

Breast cancer is leading cause of mortality among women compared to other types of cancers. Hence, early breast cancer diagnosis is crucial to the success of treatment. Various pathological and imaging tests are available for the diagnosis of breast cancer. However, it may introduce errors during detection and interpretation, leading to false-negative and false-positive results due to lack of pre-processing of it. To overcome this issue, we proposed a effective image pre-processing technique-based on Otsu's thresholding and single-seeded region growing (SSRG) to remove artefacts and segment the pectoral muscle from breast mammograms. To validate the proposed method, a publicly available MIAS dataset was utilised. The experimental finding showed that proposed technique improved 18% breast cancer detection accuracy compared to existing methods. The proposed methodology works efficiently for artefact removal and pectoral segmentation at different shapes and nonlinear patterns.




v

Feature analytics of asthma severity levels for bioinformatics improvement using Gini importance

In the context of asthma severity prediction, this study delves into the feature importance of various symptoms and demographic attributes. Leveraging a comprehensive dataset encompassing symptom occurrences across varying severity levels, this investigation employs visualisation techniques, such as stacked bar plots, to illustrate the distribution of symptomatology within different severity categories. Additionally, correlation coefficient analysis is applied to quantify the relationships between individual attributes and severity levels. Moreover, the study harnesses the power of random forest and the Gini importance methodology, essential tools in feature importance analytics, to discern the most influential predictors in asthma severity prediction. The experimental results bring to light compelling associations between certain symptoms, notably 'runny-nose' and 'nasal-congestion', and specific severity levels, elucidating their potential significance as pivotal predictive indicators. Conversely, demographic factors, encompassing age groups and gender, exhibit comparatively weaker correlations with symptomatology. These findings underscore the pivotal role of individual symptoms in characterising asthma severity, reinforcing the potential for feature importance analysis to enhance predictive models in the realm of asthma management and bioinformatics.




v

Coevolution of trust dynamics and formal contracting in governing inter-organisation exchange

Recently, interest in the correlation between 'contract' in transaction governance and 'trust' in relational governance mechanisms has been growing. This study focuses on issues related to the evolution of contract and inter-organisational trust dynamics in transaction governance and uses mixed research method to investigate sectors related to transaction governance in Taiwan's electronics industry. The study finds higher flexibility in contract implementation to be a promoter of trust between two parties in a relationship, thereby promoting project execution efficiency in the case of Taiwanese firms. Organisational management differs between the East and West; therefore, Western firms should understand how various contractual provisions can be used to accommodate different transactions when cooperating with Taiwanese electronics companies.




v

A study of internet public opinion leaders with COVID-19 pandemic in Taiwan as a case

The novel coronavirus pandemic ravaged the world in 2020, making the world fall into an unprecedented period of stagnation. This research used the Sol-Idea internet public opinion analysis platform to collect, and analyses online public opinion data associated with novel coronavirus. This research finds the following situations: 1) COVID-19 online opinion leaders are more likely to post in major discussion boards. However, opinion leaders of replies but use PTT forum as the main discussion channel; 2) According to the analysis of the content and behaviour of the account 'ebola01', it is found that the content of the posts are mostly news praising the ruling party government or mocking the opposing parties, with the sources mostly coming from media considered to be more pro-ruling party. Therefore, it can be inferred that 'ebola01' may be part of cyber army with a particular political spectrum.




v

Leading the diversity and inclusion narrative through continuing professional education

This conceptual research aims to connect aspects of learning activities of continuing education for professionals (CPE). The objective is to provide conclusions about modes of professional learning within diversity, equity, inclusion, and belonging (DEIB) training. This interpretation is placed in context relating to the process of professional learning objectives. A CPE DEIB training plan is presented as an example of how to provide continuing professional education to adult learners within a DEIB curriculum (El-Amin, 2020). The purpose of incorporating the foundations of CPE into DEIB training permits organisations to strengthening organisational development and productivity. By connecting the foundations of curriculum design, alignment, assessment and mapping, and research-informed innovation, CPE aims to enhance the effectiveness of organisational DEIB initiatives. A CPE DEIB training plan emphasises the importance of accountability, employee involvement, and effective training to drive DEIB initiatives.




v

Talent development for the knowledge economy

The world's economies are attempting to transform themselves to have a greater focus on developing knowledge as a commodity through innovation. Innovation starts with a creative activity that yields an invention but is augmented through a systematic value driven knowledge management system to yield new knowledge that can create a competitive advantage. To succeed in such an economy, organisations must have or develop the talent that can produce and use information effectively, they must have an ambidextrous organisational structure that allows them to innovate and produce simultaneously, and they must have an innovation management system to sustain effective innovation. In this paper we show how to augment existing university courses to simultaneously develop subject matter and innovation skills in students. We also suggest the incorporation of the new Innovations Management System Standard Series ISO 56000 into business curricula to better prepare students to function in the knowledge economy.




v

Exploring business students' Perry cognitive development position and implications at teaching universities in the USA

In the context of US universities where student evaluations of teaching play an important role in the retention and promotion of faculty, it is important to understand what a student expects in the classroom. This study took the perspective of Perry's cognitive development scheme with the following research question: what is the Perry level of cognitive development of business students? An established survey was used at two different universities. It was found that the median was position 3, and that there was large variation in three dimensions. First is the variation across program levels. Second, there was variation across universities. This becomes an issue when instructors move to a different university and questions the possibility to transfer 'best practices'. Third, variation was found within a specific program level. This means that instructors are faced with students who, from a cognitive perspective, have different demands which are unlikely to be simultaneously met.




v

Hybrid encryption of Fernet and initialisation vector with attribute-based encryption: a secure and flexible approach for data protection

With the continuous growth and importance of data, the need for strong data protection becomes crucial. Encryption plays a vital role in preserving the confidentiality of data, and attribute-based encryption (ABE) offers a meticulous access control system based on attributes. This study investigates the integration of Fernet encryption with initialisation vector (IV) and ABE, resulting in a hybrid encryption approach that enhances both security and flexibility. By combining the advantages of Fernet encryption and IV-based encryption, the hybrid encryption scheme establishes an effective and robust mechanism for safeguarding data. Fernet encryption, renowned for its simplicity and efficiency, provides authenticated encryption, guaranteeing both the confidentiality and integrity of the data. The incorporation of an initialisation vector (IV) introduces an element of randomness into the encryption process, thereby strengthening the overall security measures. This research paper discusses the advantages and drawbacks of the hybrid encryption of Fernet and IV with ABE.




v

On large automata processing: towards a high level distributed graph language

Large graphs or automata have their data that cannot fit in a single machine, or may take unreasonable time to be processed. We implement with MapReduce and Giraph two algorithms for intersecting and minimising large and distributed automata. We provide some comparative analysis, and the experiment results are depicted in figures. Our work experimentally validates our propositions as long as it shows that our choice, in comparison with MapReduce one, is not only more suitable for graph-oriented algorithms, but also speeds the executions up. This work is one of the first steps of a long-term goal that consists in a high level distributed graph processing language.




v

Map reduce-based scalable Lempel-Ziv and application in route prediction

Prediction of route based on historical trip observation of users is widely employed in location-based services. This work concentrates on building a route prediction system using Lempel-Ziv technique applied to a historical corpus of user travel data. Huge continuous logs of historical GPS traces representing the user's location in past are decomposed into smaller logical units known as trips. User trips are converted into sequences of road network edges using a process known as map matching. Lempel-Ziv is applied on road network edges to build the prediction model that captures the user's travel pattern in the past. A two-phased model is proposed using a map reduce framework without losing accuracy and efficiency. Model is then used to predict the user's end-to-end route given a partial route travelled by the user at any point in time. The objective of the proposed work is to build a Route Prediction system in which model building and prediction both are horizontally scalable.




v

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.




v

Commercial air transport in Africa: changing structure and development of country pairs

This study investigates cross-border commercial air passenger traffic in Africa, focusing on the development of the 15 busiest country pairs during the period 1989 to 2015. It explores dimensions not previously studied by using ICAO's 'Traffic by Flight Stage' (TFS) and data from the CEPII Gravity Dataset. The spatial results show on an uneven geographical distribution of country pairs with the centre of gravity to South, East and North-East Africa, with one long-distance corridor between Egypt and South Africa. Countries in North and West Africa have rather few linkages, except for Egypt. Central African countries are not represented among the 15 country pairs. Although the number of passengers and the rank among the countries have shifted, South Africa and Egypt stand out, as having most country pair connections. Factors such as changing economic, diplomatic and political relations have had an influence on changing country pair connections throughout the period. A number of variables were selected to investigate how they correlated with Africa's commercial passenger traffic. Of the seven variables selected, five did show on a correlation and two did partly so. In that view, Africa's air traffic follows rather typical patterns.




v

Data as a potential path for the automotive aftersales business to remain active through and after the decarbonisation

This study aims to identify and understand the perspectives of automotive aftersales stakeholders regarding current challenges posed by decarbonisation strategies. It examines potential responses that the automotive aftersales business could undertake to address these challenges. Semi-structured interviews were undertaken with automotive industry experts from Europe and Latin America. This paper focuses primarily on impacts of decarbonisation upon automotive aftersales and the potential role of data in that business. Results show that investment in technology will be a condition for businesses that want to remain active in the industry. Furthermore, experts agree that incumbent manufacturers are not filling the technology gap that the energy transition is creating in the automotive sector, a consequence of which will be the entrance of new players from other sectors. The current aftersales businesses will potentially lose bargaining control. Moreover, policy makers are seen as unreliable leaders of the transition agenda.




v

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.




v

International Journal of Services Technology and Management




v

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




v

Decoupling the Information Application from the Information Creation: Video as Learning Objects in Three-Tier Architecture




v

Tree View Editing Learning Object Metadata




v

Addressing the eLearning Contradiction: A Collaborative Approach for Developing a Conceptual Framework Learning Object




v

Interactive QuickTime: Developing and Evaluating Multimedia Learning Objects to Enhance Both Face-To-Face and Distance E-Learning Environments




v

Interoperability and Learning Objects: An Overview of E-Learning Standardization




v

A Study of the Design and Evaluation of a Learning Object and Implications for Content Development




v

Printable Table of Contents: IJELLO Volume 1, 2005




v

Guidelines and Standards for the Development of Fully Online Learning Objects




v

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




v

Learning Objects: Adaptive Retrieval through Learning Styles




v

Learning Objects and E-Learning: an Informing Science Perspective




v

The Development and Implementation of Learning Objects in a Higher Education Setting




v

Printable Table of Contents: IJELLO Volume 2, 2006




v

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




v

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




v

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




v

Using Video to Record Summary Lectures to Aid Students' Revision




v

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




v

Adaptive Learning by Using SCOs Metadata




v

Applying a System Development Approach to Translate Educational Requirements into E-Learning




v

An Integrated Model of Collaborative Knowledge Building




v

Practical E-Learning for the Faculty of Mathematics and Physics at the University of Ljubljana




v

Ontology-Driven E-Learning System Based on Roles and Activities for Thai Learning Environment




v

Printable Table of Contents: IJELLO Volume 3, 2007




v

Validation of a Learning Object Review Instrument: Relationship between Ratings of Learning Objects and Actual Learning Outcomes




v

Investigating the Use of Learning Objects for Secondary School Mathematics




v

A Systems Engineering Analysis Method for the Development of Reusable Computer-Supported Learning Systems




v

Building a Framework to Support Project-Based Collaborative Learning Experiences in an Asynchronous Learning Network




v

SOAF: Semantic Indexing System Based on Collaborative Tagging