We have maintained the customer grade system that is being implemented to customers with excellent performance through customer segmentation for years. Currently, financial institutions that operate the customer grade system provide similar services based on the score calculation criteria, but the score calculation criteria vary from the financial…

Background/purpose: This study addresses the lack of statistical thinking skills among Applied College students, a key requirement for professional success. Traditional statistics education focuses on procedural and computational methods rather than conceptual understanding, leading to misconceptions and difficulties in data organization,…

This study aims to design and develop a Cashless Payment System with Automatic Identification and Data Collection (AIDC) technology in an educational institution in the Province of Nueva Ecija, Philippines to understand the processes and activities undertaken to develop the project. It utilizes a descriptive and developmental method of research…

Financial behavior is a means by which a person treats, manages, and uses available financial resources. This research aims to determine the effect of financial literacy and the use of financial technology on financial satisfaction through financial behavior as an intervening factor. Data were collected from 112 economics teachers using purposive…

Emerging economies like India are witnessing rapid technological changes. To penetrate in the emerging markets and ensure smooth adoption of mobile wallets it is important to study the constructs that trigger mobile adoption. The study presents a cumulative finding of the research carried out in the field of wallet app adoption by using weight…

Firms in industry continue to be attracted by the benefits of Big Data Analytics. The benefits of Big Data Analytics projects may not be as evident as frequently indicated in the literature. The authors of the study evaluate factors in a customized methodology that may increase the benefits of Big Data Analytics projects. Evaluating firms in the…

Contribution: This study contributes to scientific literature by detailing the impact of specific factors on the privacy concerns of citizens living in an African city. Findings: The findings reveal that the more that impersonal data is collected by the Smart City of Cape Town, the lower the privacy concerns of the digital natives. The findings…

We address the issue of consumer privacy against the backdrop of the national priority of maintaining global leadership in artificial intelligence, the ongoing research in Artificial Cognitive Assistants, and the explosive growth in the development and application of Voice Activated Personal Assistants (VAPAs) such as Alexa and Siri, spurred on by…

The most preferred tools of technology today are internet and smart phones. Nowadays, these two tools offer numerous services and facilities to humanity in many areas. Accessing technology at any time, having a pleasant time, interacting without the limitations of face to face communication are some of them. That is why; individuals have become…

Reflection offers an important means to learn effectively from changes induced by the workplace. The authors examined readiness to change and work-related self-determination as preconditions for reflection at work and expected personal initiative--defined as "self-starting" and "proactive behaviour"--to have a mediating effect. The study tested…

This study reviews and evaluates international students' perceptions of UK banks. The specific research objectives were to identify international students' expectations and perceptions of service quality from UK banks and to assess the quality GAP or dissonance between these. A total of 297 international students studying in the UK responded to…

Purpose: The automated teller machine (ATM) has become an integral part of our society. However, using the ATM can often be a frustrating experience as people frequently reinsert cards to conduct multiple transactions. This has led to the research question of whether ATM menus are designed in an optimal manner. This paper aims to address the…

These proceedings contain the papers of the 12th International Conference on Mobile Learning 2016, which was organized by the International Association for Development of the Information Society, in Vilamoura, Algarve, Portugal, April 9-11, 2016. The Mobile Learning 2016 Conference seeks to provide a forum for the presentation and discussion of…