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Linawati, Nanik, i Inlian Wijaya. "THE MODERATOR EFFECT OF FINANCIAL APPS ON THE RELATIONSHIP BETWEEN FINANCIAL EDUCATION AND FINANCIAL CAPABILITY". International Journal of Financial and Investment Studies (IJFIS) 3, nr 1 (23.08.2022): 1–8. http://dx.doi.org/10.9744/ijfis.3.1.1-8.
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This study aims to determine the effect of Socio-Demographic and Financial Education on Financial Capability with Financial Apps as the moderator variable. The research population is Generation Z aged 19-26 years. The research sample amounted to 100 respondents and data collection was done through the distribution of questionnaires via google form. The data analysis method used is Partial Least Square (PLS). In the industrial era 4.0, which is growing rapidly at this time, financial applications that are designed to help people manage finances have begun to appear. Digital financial management applications make people manage personal finances easily and practically. Financial management applications encourage people to further upgrade their knowledge about financial management to achieve financial goals in the future. The results showed that gender had a significant effect on financial capability and financial apps played a role in moderating the influence of gender on financial capability.
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Ragavan, Meera Vimala, Divya Ahuja Parikh i Manali I. Patel. "Comparison of perspectives and practices to mitigate financial toxicity between advance practice providers and attending oncologists." Journal of Clinical Oncology 38, nr 29_suppl (10.10.2020): 82. http://dx.doi.org/10.1200/jco.2020.38.29_suppl.82.
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82 Background: Characterizing the oncology provider’s role in addressing the growing epidemic of financial toxicity faced by cancer patients is of increasing importance. Advance practice providers (APPs) increasingly serve as primary providers for many cancer patients, but no studies to date have examined their perspectives and practices in addressing financial toxicity, nor compared them to that of attending physicians. Methods: We developed an 18-question electronic, anonymous survey informed by an extensive literature search regarding perspectives on the provider’s role and current practices in addressing financial toxicity. We emailed the survey to 75 attending physicians and 117 APPs at our institution’s cancer center. Responses during the study period 12/12/2018-1/31/2019 were analyzed. Results: 32 attending physicians and 28 APPs completed the survey. Response rates were higher among attending physicians (42%) compared to APPs (24%). Attending physicians were more likely than APPs to agree that providers should openly discuss cost (75% vs. 36%, p = 0.002). APPs were more likely to agree that providers should defer cost conversations to a third party (57% vs. 31%, p = 0.04) and make the same treatment recommendation regardless of cost (50% vs. 25%, p = 0.022). Use of cost-effectiveness (CE) guidelines was higher among APPs compared to attending physicians (71% vs. 31%, p = 0.0019). Awareness of out of pocket costs, frequency of referrals to financial counselors, and ranking of top barriers to cost conversations (price transparency, knowledge of resources, and time) were similar between attending physicians and APPs. Conclusions: While APPs and attending physicians differed considerably in their perspectives on the role oncology providers should take in mitigating financial toxicity, they were more consistent in current practices and identification of barriers to cost conversations. APPs were interestingly more likely to use CE guidelines than attending physicians. Higher response rates among attending physicians may reflect inherently stronger opinions regarding the provider’s role in addressing financial toxicity. Future studies should explore these differences to better inform provider-level interventions to reduce financial toxicity.
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Rodriguez, Maria Alma, Guadalupe R. Palos, Katherine Ramsey Gilmore, Paula A. Lewis-Patterson, Patricia Chapman i Weiqi Bi. "Analysis of financial sustainability of survivorship clinics led by advanced practice providers." Journal of Clinical Oncology 37, nr 15_suppl (20.05.2019): 11560. http://dx.doi.org/10.1200/jco.2019.37.15_suppl.11560.
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11560 Background: Disease specific Survivorship Care Clinics (SCs) have been established within a comprehensive cancer center. Clinics are staffed by Advanced Practice Providers (APPs), Physician Assistants and Advanced Practice Registered Nurses, with experience in the management of each disease type. To determine the sustainability of this model of survivorship care, we analyzed the professional fees’ revenue generated by APPs’ billings for 6 clinics and then compared the APPs’ salaries across all clinics. Methods: A retrospective analysis was conducted of 6 survivorship clinic’s patient volumes and clinic days supported by APPs from 9/1/16-4/30/17. The full FTE salary of the APPs, including benefits were prorated to the time dedicated to each of the SCs. Institutional financial data was used to align professional fees to actual reimbursements received. Salary recovery percentage was calculated as the ratio of reimbursement received to prorated FTE salary. Results: Table shows variation in APPs’ salary commensurate to FTE proportion. Results also indicate there was an average of 99% professional fee recovery. Clinics with an FTE proportion > 0.5 had recovery higher than the anticipated prorated salary, suggesting there is a threshold to maximize efficacy and sustainability. Conclusions: APPs professional fees for care provided to cancer survivors are reimbursable, across disease types or payers, and proportionally supports their salaries. Our findings suggest delivery models based on APPs to manage care of long-term survivors can be self-supporting.[Table: see text]
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Pal, Abhinav, Kavita Indapurkar i Kriti Priya Gupta. "Gamification of financial applications and financial behavior of young investors". Young Consumers 22, nr 3 (24.06.2021): 503–19. http://dx.doi.org/10.1108/yc-10-2020-1240.
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Purpose This study aims to investigate the moderating role of gamification on the relationship of financial attitude (FA), financial self-efficacy (FSE) and financial planning activity (FPA) of individuals on the financial behavior of individuals and also provides a conceptual background on financial management behavior (FMB), FA, FSE and FPA of individuals. Design/methodology/approach A preliminary study with the help of a structured questionnaire was conducted by administering the questionnaire to individuals who are exposed to financial apps on their smart phones or personal computers for various money-saving and investment activities. Help of various financial planners and financial consultants led to successful circulation of the questionnaire to respondents. The research model was tested through structural equation modeling using AMOS-21 software. Firstly, a measurement model was evaluated that comprised five latent constructs, i.e. gamifying features (GF), FA, FSE, FPA and FMB. Subsequently, the structural model consisting of the hypothesized relationships was evaluated. Findings The role of GF in financial apps and applications in moderating the influence of FA, FSE and FPA on FMB has not been thoroughly studied in the past literature, and the results of this study show that GF significantly moderate the influence of FA and FPA on the FMB of individuals. However, according to the results GF in financial apps do not have a significant moderating role on the influence of FSE on FMB of individuals. Originality/value The studies in the past have not investigated the role of gamification in the area of personal finance of individual investors, specifically their financial behavior in both developed and developing countries. This study addresses this gap by examining the role of gamification in moderating the relationship that exists between FA, FSE, FPA and financial behavior.
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Frimpong, Jemima A., i Stéphane Helleringer. "Strategies to increase downloads of COVID–19 exposure notification apps: A discrete choice experiment". PLOS ONE 16, nr 11 (1.11.2021): e0258945. http://dx.doi.org/10.1371/journal.pone.0258945.
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Exposure notification apps have been developed to assist in notifying individuals of recent exposures to SARS-CoV-2. However, in several countries, such apps have had limited uptake. We assessed whether strategies to increase downloads of exposure notification apps should emphasize improving the accuracy of the apps in recording contacts and exposures, strengthening privacy protections and/or offering financial incentives to potential users. In a discrete choice experiment with potential app users in the US, financial incentives were more than twice as important in decision-making about app downloads, than privacy protections, and app accuracy. The probability that a potential user would download an exposure notification app increased by 40% when offered a $100 reward to download (relative to a reference scenario in which the app is free). Financial incentives might help exposure notification apps reach uptake levels that improve the effectiveness of contact tracing programs and ultimately enhance efforts to control SARS-CoV-2. Rapid, pragmatic trials of financial incentives for app downloads in real-life settings are warranted.
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Nienhaus, Volker, i Mohammed Muslehuddin Musab. "Financial Services by BigTech: Impacts and Opportunities for Islamic Banks". مجلة بيت المشورة, nr 19 (1.04.2023): 251–81. http://dx.doi.org/10.33001/m0104202319/113.
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The emergence of BigTech companies in the financial services sector has raised concerns about their potential to disrupt traditional banking and establish their own financial institutions. This research investigates the extent of BigTechs' activities in payments and finance and explores their intentions in disrupting the banking sector. The study adopts a qualitative methodology to critically analyse market reports and credible market intelligence websites and official websites of news agencies. The findings reveal that BigTechs' activities are selective and aimed at supporting their core businesses in commerce, technology, advertising, and social media, rather than disrupting banking. However, their involvement in Buy Now Pay Later (BNPL) financing poses a challenge to retail banks, prompting Islamic banks to establish their own BNPL facilities. Procedural complexities related to Sharīʿah compliant structuring can be addressed using financial technologies like smart contracts and payment gateways. Islamic banks could also collaborate with FinTechs to create frequently used Muslim lifestyle apps or super apps that offer embedded finance for the ḥalāl economy. The study concludes that Islamic banks should consider these opportunities to meet the younger customers' mobile shopping and social media communication habits. Keywords: BigTechs, Payments, Consumer Finance, Super Apps, Islamic Banks
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Neelam, K., i Sonali Bhattacharya. "The Role of Mobile Payment Apps in Inclusive Financial Growth". Australasian Accounting, Business and Finance Journal 17, nr 1 (2023): 9–31. http://dx.doi.org/10.14453/aabfj.v17i1.02.
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In the age of technology, the usage of mobile payment apps is playing a significant role in financially strengthening urban areas. This research aiming to identify the enablers affecting the use of mobile technology by the urban poor households in Pune, Maharashtra, India and to identify the user behaviour in technology adaptation. The published literature was thoroughly reviewed with respect to mobile payment, financial technology, and financial inclusion. The data has been collected through a field survey. Simultaneously, a structural equation model is developed using Amos software and Spss is used to perform factor analysis. The theoretical framework is based on the Unified theory of acceptance and the use of technology (UTAUT-2) Model. The enablers are Performance Expectancy (PE), Economic Benefit (EB), Convenience, Technical conditions (TC), Hedonic motivation (HM), and Behavioural intention (BI), Social influence (SI) are impacting the use of mobile apps related to finance under the mediating effect of behavioral intention, thereby supporting financial inclusion. Gender, education, occupation, and income are the control variables. Men are more frequent users of mobile payment apps. This study is unique in the context of urban poor households regarding the use of m-payment app and to understand their behavior and actual usage pattern. The current study also has some implications for the banking and mobile technology industry. They may start new strategies for mobile industries and certain factors such as security, convenience, and technical conditions can influence customer intention of using m-payment apps; hence, it needs proper consideration. Simultaneously, banks and technology industries must verify their privacy norms and make it easy for customers to use technology.
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Mathisen, Therese Fostervold, i Frode Ramstad Johansen. "The Impact of Smartphone Apps Designed to Reduce Food Waste on Improving Healthy Eating, Financial Expenses and Personal Food Waste: Crossover Pilot Intervention Trial Studying Students’ User Experiences". JMIR Formative Research 6, nr 9 (2.09.2022): e38520. http://dx.doi.org/10.2196/38520.
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Background Global sustainability and individual health need coordinated attention. While individuals are recommended a healthy diet to reduce the burden of noncommunicable diseases, global attention to natural resource conservation is also needed. The latter specifically means effective measures to reduce food waste. Objective This pilot study evaluates the experiences of students and effect from using smartphone apps designed to reduce food waste on personal healthy eating, financial expenses, and food waste. Methods A total of 6 students from different study programs (mean age 24.7, SD 2.9) were recruited to evaluate 2 different apps designed to reduce food waste and to register food consumption, food waste, and financial food expenses before and after the app trials. The apps evaluated were the commercially available TotalCtrl Home and Too-Good-To-Go. Results were analyzed by mixed methods, comprising statistical analyses for quantifiable data and thematic analyses for qualitative data. The apps were used separately in random order, each for 1 month. Primary outcome was user expectations to and experiences from the use of the apps, which were obtained by semistructured interviews. Secondary outcomes were changes in food waste volume, financial food expenses, and healthy eating. While information on food waste and food expenses was obtained by weighing food waste and registering food costs for 2 weeks before and after app trials, scores for consuming healthy diets were calculated from registered food records by scoring criteria matched to national recommendations for healthy eating. Results Awareness on food waste increased after app trials, but experiences with apps pointed toward several potential for technical and content improvements. The students reported that there were too many manual operations in the apps to induce permanent use (TotalCtrl Home), that services seemed more concerned about the producers’ interests than the individual’s needs (Too-Good-To-Go), and that they missed a composite app that included functions to promote healthy eating and overview of budget and expenses as well as of food waste (both apps). Use of apps designed to reduce food waste and personal costs and to improve healthy eating did not result in any measurable effects, that is, no change in food waste (mean change 0.81, SD 1.5 kg; P=.13), healthy eating (mean change –0.24, SD 0.43; P=.24), or personal food expenses (mean change 47.5 NOK or US $4.8, SD 416.9 NOK or US $42.5; P=.39). Conclusions Apps may aid in increased awareness of food waste at the producer and consumer levels. Large-scale studies with longer duration are needed to see if apps may induce measurable changes in food waste, healthy eating, and financial expenses.
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French, Declan, Donal McKillop i Elaine Stewart. "The effectiveness of smartphone apps in improving financial capability". European Journal of Finance 26, nr 4-5 (14.07.2019): 302–18. http://dx.doi.org/10.1080/1351847x.2019.1639526.
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Koniarczyk, Heather, i Helen Tackitt. "Cross training of APPs on inpatient oncology units as a safe and cost-effective model." Journal of Clinical Oncology 37, nr 27_suppl (20.09.2019): 56. http://dx.doi.org/10.1200/jco.2019.37.27_suppl.56.
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56 Background: Oncology Advanced Practice Providers (APPs) have not been optimally trained to care for each other’s sub specialty of patients. In times of high census and/or short staffing, inpatient APPs are left to care for and manage high volumes of acutely ill patients. This is concerning for patient safety, burning out as well as dissatisfactions when vacation and meetings are denied because there is no backup coverage available. Methods: In order to minimize the use of overtime pay, physician moonlighting pay and additional positions in times of short staffing, we proposed to cross train experienced APPs to see if the staffing needs could be met. The disease groups consisted of transplant, leukemia and lymphoma. Each disease group has a lead APP involved in the strategic planning and implementation process. They were instrumental in working through and identifying risks and benefits of this training plan and were the first to be trained, as to lead by example. Buy in from APPs was achieved by promoting the flexibility of scheduling that would result from having more coverage. Some were also motivated to add to their skill set by learning how to care for a new disease group. Results: The APPs felt comfortable taking patients after around 2 training shifts. They felt the patients were more alike than different and the workflow for most job duties were identical, and enjoyed working with fellow oncology APPs they hadn’t interacted much with. Cross training was proposed to add a financial benefit to our institution. Key metrics we monitored were productivity and supplemental pay. The financial savings from avoiding supplemental overtime or fellow moonlighting wages for 2018 was $8,540, and $14,640 for quarter1 2019. The APPs had no decrease in productivity to date, and no decrease in quality metrics and no adverse events related. Conclusions: Cross training as a means to reduce short staffing financial burdens while advancing the scope of practice of APPs is a safe and possible alternative to adding positions, or paying overtime/moonlighting pay. Training of cross covering APPs was not overall a major constraint. Buy-in from leadership as well as APPs is instrumental in not only initiating a cross training program, but maintaining it as well.
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Lisin, Anton, Kristina Shvandar, Artur Meynkhard, Mafura Uandykova, Serhat Yuksel, Konstantin Kalmikov, Oleg Litvishko i Xenia Tabachkova. "Digital Trading Applications and Bank Performance: Evidence from Russia". Journal of Open Innovation: Technology, Market, and Complexity 7, nr 3 (1.09.2021): 194. http://dx.doi.org/10.3390/joitmc7030194.
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Digital trading apps are evidence of developing open innovations in the financial sector. The investment industry (including banks and brokers) can greatly benefit from the utilization of digital trading applications and corresponding tools, such as smart contracts. The goal of this research paper is to examine the possibility that brokers’ existing mobile apps outperform banks without mobile apps in the Russian financial sector. The efficiency of brokers is compared to banks in Russia. The results of these institutions’ activities are related to the number of profitable banks, which declines as a sign of high efficiency. The paper uses methods of t-test, linear and polynomial regression analysis between assets (dependent variable) and the profit to assets (independent variable) in Russia. The article finds the different directions of the utilization of the discussed technology, and they all share the consequential growth after the technology’s introduction. The paper also discusses the various areas of digital trading apps implementation and the future contributions for the Russian banking system and economy.
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Rana, Dr Sarita, Aryan Jain, Pranav Sehgal i Vikramjeet Singh Sandhu. "SCOPE OF SNBL PLATFORMS AND THEIR ROLE IN ESCALATING THE FINANCIAL INDEPENDENCE OF ITS USERS". Innovative Research Thoughts 9, nr 4 (2023): 19–33. http://dx.doi.org/10.36676/irt.2023-v9i4-003.
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This research paper aims to explore the global and domestic scope of "Save Now, Buy Later" (SNBL) apps/platforms and their role in enhancing the financial independence of individuals who adopt these services. SNBL apps have gained significant popularity in recent years, offering consumers the ability to save towards a purchase and defer the payment to a later date. The study investigates the impact of SNBL platforms on consumer behaviour, financial decision-making and overall financial independence. Additionally, it analyses the potential benefits and risks associated with these platforms, taking into account both global and domestic perspectives. The research employs a mixed-method approach, combining qualitative interviews with SNBL users and quantitative analysis of relevant data and financial indicators. The findings provide valuable insights for policymakers, financial institutions, and consumers, contributing to a comprehensive understanding of the SNBL phenomenon and its implications for personal financial management.
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Bayuk, Julia, i Suzanne Aurora Altobello. "Can gamification improve financial behavior? The moderating role of app expertise". International Journal of Bank Marketing 37, nr 4 (3.06.2019): 951–75. http://dx.doi.org/10.1108/ijbm-04-2018-0086.
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Purpose The purpose of this paper is to explore potential benefits of gamification (application of game-playing elements) for financial well-being and motivation to save. Design/methodology/approach A preliminary survey of college students explored how gamification principles incorporated into money-savings/personal finance smartphone apps could improve financial well-being. The main study utilized Mechanical Turk participants, exposing them to financial game app descriptions that emphasized social features (e.g. leaderboards and ability to share achievements) or economic features (e.g. ability to earn real money or a higher interest rate). Objective and subjective financial measures including expertise with financial apps, perceived benefits of financial apps and behavioral intentions were examined. Findings Financial worry, financial literacy, subjective knowledge and expertise with money-savings/financial applications predicted financial well-being. Additionally, consumers varied in their preferences for certain financial game app features based on past financial app experience. Those who already used a financial app tend to exhibit higher subjective (though not objective) knowledge, and want both “social” and “economic” features of financial applications, whereas those with no experience are more motivated by economic features. Practical implications These results could be used to guide game designers regarding which features may be more attractive to consumers depending on their prior expertise with financial smartphone applications. Financial services marketing would benefit from further research into whether smartphone financial applications that emphasize social features have benefits for consumers’ motivation and financial well-being. Originality/value Examining college students about to enter the real world and the general population, this project contributes to research to improve understanding of financial well-being by examining how already having a financial gamification application impacts perceptions of knowledge and expertise, as well as intentions to save given a more socially focused vs economically focused savings app. Additional research needs to further explore gamification as an experimental intervention to ultimately improve both subjective financial well-being and objective financial behaviors, especially for consumers with lower expertise and high risk of financial vulnerability.
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Sari, D., M. Pradana, D. W. Nugraha i F. Oktafani. "Web-based Design of Financial Apps: Case of Kosan 54". IOP Conference Series: Materials Science and Engineering 1071, nr 1 (1.02.2021): 012020. http://dx.doi.org/10.1088/1757-899x/1071/1/012020.
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Huang, Zhilian, Elaine Lum i Josip Car. "Medication Management Apps for Diabetes: Systematic Assessment of the Transparency and Reliability of Health Information Dissemination". JMIR mHealth and uHealth 8, nr 2 (19.02.2020): e15364. http://dx.doi.org/10.2196/15364.
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Background Smartphone apps are increasingly used for diabetes self-management because of their ubiquity and ability to help users to personalize health care management. The number of diabetes apps has proliferated in recent years, but only a small subset of apps that pose a higher risk are regulated by governmental agencies. The transparency and reliability of information sources are unclear for apps that provide health care advice and are not regulated by governmental agencies. Objective This study aimed to assess the transparency and reliability of information disseminated via diabetes apps against 8 criteria adapted from the Health On the Net code of conduct (HONcode) principles. Methods English-language diabetes-related terms were searched on a market explorer (42matters) on June 12, 2018. Apps with medication and blood glucose management features were downloaded and evaluated against the App-HONcode criteria adapted from the 8 HONcode principles: authoritative, complementarity, privacy, attribution, justifiability, transparency, financial disclosure, and advertising policy. Apps were profiled by operating platforms (ie, Android and iOS) and the number of downloads (ie, Android only: ≥100,000 downloads and <100,000 downloads). Results A total of 143 apps (81 Android and 62 iOS) were downloaded and assessed against the adapted App-HONcode criteria. Most of the apps on the Android and iOS platforms fulfilled between 2 and 6 criteria, but few (20/143, 14.0%) apps mentioned the qualifications of individuals who contributed to app development. Less than half (59/143, 39.2%) of the apps disclaimed that the information provided or app functions do not replace the advice of the health care provider. A higher proportion of iOS apps fulfilled 5 or more App-HONcode criteria compared with Android apps. However, Android apps were more likely to have the developer’s email listed on the app store (Android: 75/81, 98%; and iOS: 52/62, 84%; P=.005) compared with iOS apps. Of the Android apps assessed, a significantly higher proportion of highly downloaded apps had a privacy and confidentiality clause (high downloads: 15/17, 88%; and low downloads: 33/64, 52%; P=.006) and were more likely to discuss their financial sources (high downloads: 14/17, 82%; and low downloads: 32/64, 50%; P=.03) compared with apps with a low number of downloads. Conclusions Gaps in the disclosure of the developer’s qualification, funding source, and the complementary role of the app in disease management were identified. App stores, developers, and medical providers should collaborate to close these gaps and provide more transparency and reliability to app users. Future work can further examine the consent-seeking process for data collection, data management policies, the appropriateness of advertising content, and clarity of privacy clause of these apps.
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Yoke, Leah H., Alison M. Beieler, Catherine Liu, Steven A. Pergam, Steven A. Pergam i Shireesha Dhanireddy. "965. Advanced Practice Providers in Infectious Disease: Educational Needs and Opportunities". Open Forum Infectious Diseases 8, Supplement_1 (1.11.2021): S574—S575. http://dx.doi.org/10.1093/ofid/ofab466.1160.
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Abstract Background Advanced Practice Providers (APPs) practice throughout Infectious Disease (ID) in a variety of settings through interprofessional collaboration with physicians, pharmacists, and other team members. However, there is a paucity of specific and directed educational opportunities available for APPs within ID. In order to better understand this, we examined specific APP educational needs and how educational programs could provide high quality opportunities for APPs in ID. Methods Voluntary anonymous surveys were created in the REDCap data tool and distributed by email lists, social media, and Infectious Diseases Society of America community forums to APPs working in ID. Results Ninety-nine APPs responded to the survey (figure 1). 97% (96) of respondents were interested in APP specific ID educational opportunities. Of respondents, 76% (74) felt ID specific podcasts would be most helpful, while 86% (84) noted that access to ID clinical case conferences or self-directed, online modules would be instructive (figure 2). 91% (90) did not attend IDWeek annually due to various barriers, including lack of clinical coverage and cost associated with the conference (figure 3) despite 89% (88) receiving Continuing Education (CE) reimbursement. 64% (62) respondents were interested in future APP mentorship opportunities, from either more senior APPs or physicians. Figure 1. Geographic Distribution of Respondents, n=99 Conclusion APPs provide collaborative and specialized ID care in a variety of settings. However, continued educational needs specifically for APPs have been identified. From survey respondents, the majority of APPs did not attend IDWeek, a sentinel ID education event, citing clinical coverage and cost being significant barriers. This represents an opportunity for clinically focused educational opportunities, both at IDWeek and also through other platforms, particularly since many APPs receive CE funding from their employers. Podcasts, online lecture series, and self-study certificate programs were identified as avenues for ID teaching and also present accessible, alternative methods for training. Ultimately, as the growing APP workforce continues to provide patient care in a variety of ID settings, educational opportunities with mentorship are necessary to support them in their practice. Disclosures Steven A. Pergam, MD, MPH, Chimerix Inc. (Other Financial or Material Support, Clinical Trial)Global Life Technologies, Inc. (Grant/Research Support)Merck and Co. (Other Financial or Material Support, Clinical Trial) Steven A. Pergam, MD, MPH, Chimerix (Individual(s) Involved: Self): Clinical Trial; Global Life Technologies, Inc (Individual(s) Involved: Self): Research Grant or Support; Merck & Co. (Individual(s) Involved: Self): Scientific Research Study Investigator; Sanofi Aventis (Individual(s) Involved: Self): Other Financial or Material Support, Provided vaccines for clinical trial sponsored by the NIH
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Baker, Scott R., i Lorenz Kueng. "Household Financial Transaction Data". Annual Review of Economics 14, nr 1 (12.08.2022): 47–67. http://dx.doi.org/10.1146/annurev-economics-051520-023646.
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The growth of the availability and use of detailed household financial transaction micro data has dramatically expanded the ability of researchers to understand both household decision making and aggregate economic fluctuations across a wide range of fields. This class of transaction data is derived from a myriad of sources, including financial institutions, FinTech apps, and payment intermediaries. We review how these detailed data have been utilized in finance and economics research and analyze both their benefits and limitations as compared to more traditional measures of income, spending, and wealth. Finally, we discuss the future potential of this flexible class of data in firm-focused research, real-time policy analysis, and macro statistics.
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Tanpoco, Manuel, Rizal Ezmin III Katalbas, Rafael Raymond Phillip Roxas, Jeongwon An i Joshua Zachary Orlina. "The Moderating Role of Financial Literacy on the Effects of Subjective Norms, Product Involvement, and Perceived Behavioral Control on Invest-ment Intention of Young Investors from a Mobile Wallet App in the Philippines". International Journal of Multidisciplinary: Applied Business and Education Research 3, nr 8 (12.08.2022): 1477–90. http://dx.doi.org/10.11594/ijmaber.03.08.10.
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Investment has grown to be an industry of its own, becoming more diverse in portfolio, now not only in mutual funds and bonds, but now covering or blending with insurance, and growing in market size and reach extending to people who are yet to join the work force. Being an investor was made even more accessible through mobile wallet apps that allow individuals to start investing with just a few clicks of their cellphones. And, as this industry gets bigger, it becomes more important to determine the determining factors why young people start investing with their mobile wallet apps. This study aims to determine the moderating role of financial literacy on the effect of subjective norms, product involvement, and perceived behavioral control on investment intention of mobile wallet app users among the youth in the Philippines. An online survey was administered online to 407 young insurers from mobile wallet apps who are within the ages of 18 and 30. Moderated regression through path analysis determined that subjective norms, perceived behavioral control, and product involvement significantly affect the investment intention of young insurers. Further, financial literacy amplifies the effects of product involvement and subjective norms on investment intention. This research posits that educating people more to be financially literate will most likely lead to more people in the younger generation deciding to invest early for their future.
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Chen, Junhan. "MiniWarner: An Novel and Automatic Malicious Phishing Mini-apps Detection Approach". Computer and Information Science 15, nr 1 (21.01.2022): 57. http://dx.doi.org/10.5539/cis.v15n1p57.
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WeChat mini-apps are “sub-applications” built within the WeChat platform. Unlike full-function native applications, they are streamlined, “light” versions of the apps, and enable users to open and use them inside WeChat without downloading and installation. Since being introduced by WeChat in 2017, 4.3 million WeChat mini-programs have been developed, and they attract around 410 million daily active users Up to 2021. However, motivated by financial gains, many malicious mini-app developers use some intended description and icon to mislead users to click and open their mini-apps. These mini-apps are full of annoying advertisements and collect users’ privacy information stealthily, which can expose users to privacy risks and financial losses.
Although security personnel of WeChat has enforced various countermeasures to prevent malicious phishing mini-apps sneaking into WeChat, rampant malicious leading mini-apps still have been observed recently. In this paper, we present MiniWarner, a novel approach that leverages Natural Language Processing and a number of reverse engineering techniques to detect whether a mini-app is malicious and phishing when users open it. MiniWarner will only ask users whether to continue to open the malicious phishing mini-app, thus it can protect users against the intended misleading by attackers, and still preserve the original user experience. Besides, this approach is implemented as an Xposed module, making it practical to be quickly deployed on a large number of user devices. Our paper will introduce how we developed MiniWarner and the measurement results of MiniWarner in detail.
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Tambunan, Naomi Agatha Dwi Putri. "Analyzing Factors Influencing Accounting Application Adoption Using the Unified Theory of Acceptance and Use of Technology (UTAUT) Model Among F&B MSMEs in West Java". Journal Integration of Management Studies 1, nr 1 (21.07.2023): 124–35. http://dx.doi.org/10.58229/jims.v1i1.36.
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Micro, small, and medium-sized businesses are crucial to Indonesia's long-term economic success. MSMEs accounted for 97 percent of employment in Indonesia in 2021, generated 60.42 percent of the country's total investment, and produced 61.07 percent of the country's GDP. Despite their significance to the national economy, many MSMEs continue to face difficulties. Capital constraints are one such factor. Limited financial management ability was noted as a cause for the low level of loans extended to MSMEs in Indonesia. Previous research found that accounting apps can improve MSMEs’ financial management capabilities and thus increase their access to finance. Despite the advantages of accounting software and the availability of various free accounting apps, a low adoption rate of accounting apps is found in the highly competitive culinary MSMEs in West Java. This study used the Unified Theory of Acceptance and Use of Technology (UTAUT) to investigate the variables that affect the intentions and actual use of accounting apps in culinary MSMEs. According to UTAUT, performance expectation, effort expectancy, social influence, and facilitating circumstances impact behavioral intention to adopt a system, whereas facilitating conditions and behavioral intention influence actual usage of the system. The quantitative approach was used in data collection, using questionnaires sent out to West Java’s MSMEs in the culinary sector. The PLS-SEM was then used to analyze the 131 survey responses. The results showed that MSMEs' performance expectation, effort expectancy, and facilitating conditions positively affected their behavioral intentions to utilize accounting apps. Behavioral intentions and facilitating conditions also affected users' actual app utilization. Therefore, it is suggested that developers of accounting apps and the government use these variables to increase the usage of the applications. Future research may include broader predictors to explain better the usage of accounting apps in light of the study's limitations.
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Gomm, Susanne Ingrid Marianne, Florian K. Ebner, Stefan Lukac, Ziad El Taie, Wolfgang Janni, Uta Schmidt-Straßburger, Barbara Stoinschek i Davut Dayan. "Mobile Applications Available in Germany Supporting Breast Cancer Patients During Treatment and Aftercare: a Systematic Review". Geburtshilfe und Frauenheilkunde 82, nr 09 (wrzesień 2022): 941–54. http://dx.doi.org/10.1055/a-1909-8736.
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Abstract Purpose Systematic evaluation of health apps designed to support and aid remote monitoring of patients during breast cancer treatment and aftercare. Method A systematic search and assessment of apps was conducted using search terms: breast cancer; breast cancer therapy; and breast cancer aftercare. Evaluation criteria were user assessments, scientifically published benefits, user-friendliness, data protection, app individualization, motivation, and financial aspects. Up to two points (P) could be awarded per criterion. The lowest possible score was 0P and the maximum was 28P. Three examiners from different institutions independently assessed the apps according to the specified criteria. Reference value was defined as the average value given by the examiners. Apps with > 18P were classified as “recommended”; ≥ 11–≤ 18P as “partially recommended” and ≤ 10P as “not recommended”. Results A total of 776 apps (n = 24 from the Apple App Store, n = 752 from the Google Play Store) were identified via search query. After applying exclusion criteria, 36 apps (n = 1 from the Apple App Store; n = 35 from the Google Play Store) were evaluated. Using the mean point values of the examiners, 20 apps were classified as not recommended and 12 as partially recommended (≥ 11–≤ 18P). Four apps were rated partially recommended by two examiners and recommended by one examiner. Three apps were rated as recommended by all examiners. Conclusion Only a small minority of available apps meet recommendation criteria. Use of these apps may benefit breast cancer patients.
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Mustafa, Abdulsalam Salihu, Nor’ashikin Ali, Jaspaljeet Singh Dhillon, Gamal Alkawsi i Yahia Baashar. "User Engagement and Abandonment of mHealth: A Cross-Sectional Survey". Healthcare 10, nr 2 (24.01.2022): 221. http://dx.doi.org/10.3390/healthcare10020221.
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Mobile health (mHealth) apps have great potential to improve health outcomes. Given that mHealth apps have become ubiquitous, there is limited focus on their abandonment. Data concerning crucial metrics, including reasons for adoption and discontinued use, are limited. This study aims to gain broad insights into utilization of mHealth and game-like features promoting user engagement. We conducted a cross-sectional survey of 209 mHealth users worldwide. The 17-item survey assessed sociodemographics, as well as the key motivators for mHealth uptake and discontinued use. Our findings show that sports and fitness activity tracking were the most common categories of health apps, with most users engaging with them at least several times a week. Interestingly, the most downloaded mHealth apps among younger adults include MyFitnessPal, Fitbit, Nike Run Club, and Samsung Health. Critical drivers of abandonment of mHealth apps were amotivation, loss of interest, and experimenting with different apps to identify the most suitable tool. Additionally, the financial cost of mHealth apps is crucial, with most participants advocating for free or more affordable apps. The study findings suggest that while many individuals utilize mHealth, several factors drive their abandonment. Moreover, data indicate that mHealth developers need to consider gamification strategies to sustain user commitment, as well as psychological variables, such as intrinsic motivation.
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Shrivastava, Dr Urvashi, i Dr Minal Shah. "Determinants of cross selling through mobile apps in Indian Banks – A Factor Analysis Approach". Journal of University of Shanghai for Science and Technology 23, nr 10 (5.10.2021): 161–73. http://dx.doi.org/10.51201/jusst/21/10733.
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With the release of world economic forums report on “New physics of financial services”, the financial ecosystem of India will adapt to digital transformation and artificial intelligence. This will change the competitive dynamics and operating models of Indian Banking Sector creating opportunities to procure and secure customers. The steadiest path to address the challenge is Cross selling. From reduced customer acquisition cost to increase in the wallet share, the economics and financials of cross selling are very compelling and hence have become the strategic priority for Indian banking sector. Banks are placing greater emphasis on providing improved services to their clients, upgrading their expertise to augment customer’s overall experience thereby earning competitive edge. The banking complexity that spans multiple lines of products, diverse serviceable areas and distinct technologies and business processes must be coordinated using mobile banking apps to deliver effective cross-sell programs which the present study proposes.
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Shrivastava, Dr Urvashi, i Dr Minal Shah. "Determinants of cross selling through mobile apps in Indian Banks – A Factor Analysis Approach". Journal of University of Shanghai for Science and Technology 23, nr 10 (5.10.2021): 161–73. http://dx.doi.org/10.51201/jusst/21/10733.
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With the release of world economic forums report on “New physics of financial services”, the financial ecosystem of India will adapt to digital transformation and artificial intelligence. This will change the competitive dynamics and operating models of Indian Banking Sector creating opportunities to procure and secure customers. The steadiest path to address the challenge is Cross selling. From reduced customer acquisition cost to increase in the wallet share, the economics and financials of cross selling are very compelling and hence have become the strategic priority for Indian banking sector. Banks are placing greater emphasis on providing improved services to their clients, upgrading their expertise to augment customer’s overall experience thereby earning competitive edge. The banking complexity that spans multiple lines of products, diverse serviceable areas and distinct technologies and business processes must be coordinated using mobile banking apps to deliver effective cross-sell programs which the present study proposes.
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Rodríguez Paredes, Asiel Saharaim, i Tomás Gómez Rodríguez. "Plataformas y Apps de Trading en el entorno financiero mexicano". Revista Espacio I+D Innovación más Desarrollo 12, nr 32 (1.02.2023): 157–73. http://dx.doi.org/10.31644/imasd.32.2023.a09.
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El sistema financiero mexicano ha dado un paso muy importante, esto en parte por la pandemia de COVID-19, ya que, al vivirse una situación como lo fue la crisis que se generó gracias a la pandemia, las personas comenzaron a buscar alternativas para hacer crecer sus ingresos, encontrándose con opciones como las plataformas y apps de trading. Al contar con tanto tiempo libre y teniendo un tráfico de información tan vasto, una gran cantidad de personas ha decidido comenzar su camino como inversionista, sin embargo, sigue siendo de fundamental importancia continuar con la difusión de estas plataformas, ya que daría como resultado una situación beneficiosa no sola-mente para la población, sino también para el país y su economía.
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Karjaluoto, Heikki, Aijaz A. Shaikh, Hannu Saarijärvi i Saila Saraniemi. "How perceived value drives the use of mobile financial services apps". International Journal of Information Management 47 (sierpień 2019): 252–61. http://dx.doi.org/10.1016/j.ijinfomgt.2018.08.014.
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Sulila, Ismet. "The Effect of Human Resource Competency and Implementation of SIMDA on the Quality of Financial Statement at BPKAD Office of Gorontalo City". Publik (Jurnal Ilmu Administrasi) 8, nr 1 (21.10.2019): 67. http://dx.doi.org/10.31314/pjia.8.1.67-74.2019.
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This empirical study was intended to analyze, measure, and discuss the effect of human resource competency and the implementation of regional financial management information system on the quality of financial statement at BPKAD office of Gorontalo City.. Based on the initial study and research problem, hence the research used a quantitative approach and supported by ex post facto method. The technique of data analysis employed multiple regression. The findings of this study include: first, there has been a significant effect of human resource competency on the quality of financial statement at BPKAD office of Gorontalo City. Second, there has been an important effect of the Implementation of Regional Financial Management Information System on the quality of financial statement at BPKAD office of Gorontalo City. Third, there has been a contribution of the effect of human resource competency and Implementation of Regional Financial Management Information System simultaneously on the quality of financial statement at BPKAD office of Gorontalo City. Based on the previous conclusions, it is recommended: 1) To improve the human resource competency in regard of the use of regional financial management apps through training and advanced technical guidance activities, 2) To make an effective use of regional financial apps in various institutionsin Gorontalo City government, 3) that further research should examine the effect of other factors on the quality of financial statement.
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Tabina Azzahra i Kurnia Fajar Afgani. "Impact of Super Apps Usage on Financial Literacy and Financial Behavior of Generation Z in Indonesia: A Literature Synthesis". Journal Integration of Management Studies 1, nr 1 (21.07.2023): 102–6. http://dx.doi.org/10.58229/jims.v1i1.32.
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Based on a literature review, this study explores the relationship between financial technology, financial literacy, and financial behavior. The findings suggest that financial technology is interconnected with financial literacy and behavior. Future research using quantitative or qualitative studies is recommended to investigate this relationship further. The proposed conceptual model can be utilized to examine the impact of super apps on Generation Z's financial literacy and financial behavior in Indonesia. This study contributes to the existing body of knowledge by shedding light on the potential implications of financial technology on individuals' financial knowledge and behaviours, particularly among the younger generation.
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Máca, Vojtěch, Milan Ščasný, Iva Zvěřinová, Michal Jakob i Jan Hrnčíř. "Incentivizing Commuter Cycling by Financial and Non-Financial Rewards". International Journal of Environmental Research and Public Health 17, nr 17 (19.08.2020): 6033. http://dx.doi.org/10.3390/ijerph17176033.
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Current mobility patterns over-rely on transport modes that do not benefit sustainable and healthy lifestyles. To explore the potential for active mobility, we conducted a randomized experiment aimed at increasing regular commuter cycling in cities. In designing the experiment, we teamed up with developers of the “Cyclers” smartphone app to improve the effectiveness of the app by evaluating financial and non-financial motivational features. Participants in the experiment were recruited among new users of the app, and were randomly assigned to one of four different motivational treatments (smart gamification, two variants of a financial reward, and a combination of smart gamification and a financial reward) or a control group (no specific motivation). Our analysis suggests that people can be effectively motivated to engage in more frequent commuter cycling with incentives via a smartphone app. Offering small financial rewards seems to be more effective than smart gamification. A combination of both motivational treatments—smart gamification and financial rewards—may work the same or slightly better than financial rewards alone. We demonstrate that small financial rewards embedded in smartphone apps such as “Cyclers” can be effective in nudging people to commute by bike more often.
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Abdullah, Zubaile, i Madihah Mohd Saudi. "RAPID-Risk Assessment of Android Permission and Application Programming Interface (API) Call for Android Botnet". International Journal of Engineering & Technology 7, nr 4.15 (7.10.2018): 49. http://dx.doi.org/10.14419/ijet.v7i4.15.21370.
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Android applications may pose risks to smartphone users. Most of the current security countermeasures for detecting dangerous apps show some weaknesses. In this paper, a risk assessment method is proposed to evaluate the risk level of Android apps in terms of confidentiality (privacy), integrity (financial) and availability (system). The proposed research performs mathematical analysis of an app and returns a single easy to understand evaluation of the app’s risk level (i.e., Very Low, Low, Moderate, High, and Very High). These schemes have been tested on 2488 samples coming from Google Play and Android botnet dataset. The results show a good accuracy in both identifying the botnet apps and in terms of risk level.
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Zhang, Jingwen, Christopher Calabrese, Jieyu Ding, Mingxuan Liu i Biying Zhang. "Advantages and challenges in using mobile apps for field experiments: A systematic review and a case study". Mobile Media & Communication 6, nr 2 (5.09.2017): 179–96. http://dx.doi.org/10.1177/2050157917725550.
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As smartphone’s computing power continues to grow and as mobile applications (apps) continue to dominate digital engagement, apps have become a new frontier for advancing field experiment methodology. Using apps may help researchers to scale up the reach, precisely control randomization and experiment materials, collect a variety of objective and self-reported data over time, and more conveniently replicate and adapt an experiment. We performed a systematic review on field experiments involving apps published between 2007 and 2017. Seven databases were scanned using a predefined search strategy. The database search retrieved 4,810 citations; 101 articles met the inclusion criteria. Our review suggests that scholars have only started to employ apps in field experiments in the last 4 years. Most studies only used apps as an experiment treatment instead of an experiment platform; therefore, researchers have yet to fully leverage the advantages. Almost all studies were from the health research domain and 77.2% used randomized controlled trial design. Only 7 studies utilized smartphone sensors for collecting data. Only one study reported cost and ethical concerns regarding using apps for the experiment. Given these findings, we reported a case study that targeted a minority racial group and leveraged the advantages of apps as an experiment platform and as a data collection tool to illustrate practical challenges and lessons learned regarding time, financial cost, and technical support. In conclusion, we suggest apps provide new ways to study causal mechanisms with experiment big data. Limitations of generalizability, retention, and design quality were discussed as well.
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Ritchie, Jordon, i Brandon Welch. "Categorization of Third-Party Apps in Electronic Health Record App Marketplaces: Systematic Search and Analysis". JMIR Medical Informatics 8, nr 5 (29.05.2020): e16980. http://dx.doi.org/10.2196/16980.
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Background Third-party electronic health record (EHR) apps allow health care organizations to extend the capabilities and features of their EHR system. Given the widespread utilization of EHRs and the emergence of third-party apps in EHR marketplaces, it has become necessary to conduct a systematic review and analysis of apps in EHR app marketplaces. Objective The goal of this review is to organize, categorize, and characterize the availability of third-party apps in EHR marketplaces. Methods Two informaticists (authors JR and BW) used grounded theory principles to review and categorize EHR apps listed in top EHR vendors’ public-facing marketplaces. Results We categorized a total of 471 EHR apps into a taxonomy consisting of 3 primary categories, 15 secondary categories, and 55 tertiary categories. The three primary categories were administrative (n=203, 43.1%), provider support (n=159, 33.8%), and patient care (n=109, 23.1%). Within administrative apps, we split the apps into four secondary categories: front office (n=77, 37.9%), financial (n=53, 26.1%), office administration (n=49, 24.1%), and office device integration (n=17, 8.4%). Within the provider support primary classification, we split the apps into eight secondary categories: documentation (n=34, 21.3%), records management (n=27, 17.0%), care coordination (n=23, 14.4%), population health (n=18, 11.3%), EHR efficiency (n=16, 10.1%), ordering and prescribing (n=15, 9.4%), medical device integration (n=13, 8.2%), and specialty EHR (n=12, 7.5%). Within the patient care primary classification, we split the apps into three secondary categories: patient engagement (n=50, 45.9%), clinical decision support (n=40, 36.7%), and remote care (n=18, 16.5%). Total app counts varied substantially across EHR vendors. Overall, the distribution of apps across primary categories were relatively similar, with a few exceptions. Conclusions We characterized and organized a diverse and rich set of third-party EHR apps. This work provides an important reference for developers, researchers, and EHR customers to more easily search, review, and compare apps in EHR app marketplaces.
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Harikrishnan, R., R. Jebakumar, S. Ganesh Kumar i Amu tha. "Insurance Customer Authentication Using SVM and Financial Time Series Analysis for Mobile Applications". Webology 17, nr 2 (21.12.2020): 945–56. http://dx.doi.org/10.14704/web/v17i2/web17079.
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Insurance industry facilitates the users to access the information easily in their jobs without the repetition of password and remember the multiple passwords. Current technology attracts the insurers in authentication process. The identity authentification processes requires the customers to jump through the many hoops, which construct an unpleasant customer experience. The proposed method reduces the challenges in insurance business data using the classification algorithms using the support vector machine (SVM)for the mobile Applications since the growing trend in mobile apps will make it easy for the users. A seasonal variations and correlation in this financial time series data using statistical methods and ultimately generate trading signals for the insurance data. The feature extraction process increases the user security. The classification process improves different level of user identity. The support vector machine increases the data validation process quickly. Finally the proposed work enhances the user authentication process. The frame work is implemented using the matlabR2014 software and results were simulated for mobile apps.
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Tran, Steven, Lorraine Smith, Sarira El-Den i Stephen Carter. "The Use of Gamification and Incentives in Mobile Health Apps to Improve Medication Adherence: Scoping Review". JMIR mHealth and uHealth 10, nr 2 (21.02.2022): e30671. http://dx.doi.org/10.2196/30671.
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Background Emerging health care strategies addressing medication adherence include the use of direct-to-patient incentives or elements adapted from computer games. However, there is currently no published evidence synthesis on the use of gamification or financial incentives in mobile apps to improve medication adherence. Objective The aim of this scoping review is to synthesize and appraise the literature pertaining to the use of mobile apps containing gamification or financial incentives for medication adherence. There were two objectives: to explore the reported effectiveness of these features and to describe and appraise the design and development process, including patient involvement. Methods The following databases were searched for relevant articles published in English from database inception to September 24, 2020: Embase, MEDLINE, PsycINFO, CINAHL, and Web of Science. The framework by Arksey and O’Malley and the PRISMA-ScR (Preferred Reporting Items for Systematic Reviews and Meta-Analyses extension for Scoping Reviews) checklist guided this scoping review. Using a systematic screening process, studies were included if incentives or game features were used within mobile apps to specifically address medication adherence. An appraisal using risk of bias tools was also applied to their respective study design. Results A total of 11 studies from the initial 691 retrieved articles were included in this review. Across the studies, gamification alone (9/11, 82%) was used more than financial incentives (1/11, 9%) alone or a combination of the two (1/11, 9%). The studies generally reported improved or sustained optimal medication adherence outcomes; however, there was significant heterogeneity in the patient population, methodology such as outcome measures, and reporting of these studies. There was considerable variability in the development process and evaluation of the apps, with authors opting for either the waterfall or agile methodology. App development was often guided by a theory, but across the reviewed studies, there were no common theories used. Patient involvement was not commonly evident in predevelopment phases but were generally reserved for evaluations of feasibility, acceptance, and effectiveness. Patient perspectives on gamified app features indicated a potential to motivate positive health behaviors such as medication adherence along with critical themes of repetitiveness and irrelevance of certain features. The appraisal indicated a low risk of bias in most studies, although concerns were identified in potential confounding. Conclusions To effectively address medication adherence via gamified and incentivized mobile apps, an evidence-based co-design approach and agile methodology should be used. This review indicates some adoption of an agile approach in app development; however, patient involvement is lacking in earlier stages. Further research in a generalized cohort of patients living with chronic conditions would facilitate the identification of barriers, potential opportunities, and the justification for the use of gamification and financial incentives in mobile apps for medication adherence.
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Zhang, Xinyi, Shiliang Tang, Yun Zhao, Gang Wang, Haitao Zheng i Ben Zhao. "Cold Hard E-Cash: Friends and Vendors in the Venmo Digital Payments System". Proceedings of the International AAAI Conference on Web and Social Media 11, nr 1 (3.05.2017): 387–96. http://dx.doi.org/10.1609/icwsm.v11i1.14873.
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For millions around the globe, digital payment apps such as Venmo are replacing cash as the preferred method of payment between friends and vendors. Apps like Venmo bring a unique blend of convenience and social interactions into financial transactions. In this paper, we study the role of social relationships in the adoption of the Venmo digital payment system. We collect records of all 91 million public transactions conducted on Venmo since its introduction, a social graph connecting most of its 10.5 million users, and analyze the interplay between social relationships and financial transactions. We find that Venmo communities are very densely connected compared to other interaction networks, and are often driven by specific niche applications. We are able to extract both user-to-user and user-to-vendor transaction communities, and show that they exhibit dramatically different structural properties.
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Gulec, Hayriye, i David Smahel. "Individual and Parental Factors of Adolescents’ mHealth App Use: Nationally Representative Cross-sectional Study". JMIR mHealth and uHealth 10, nr 12 (16.12.2022): e40340. http://dx.doi.org/10.2196/40340.
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Background Knowledge of the characteristics of adolescents who use mobile health (mHealth) apps to monitor health and how these characteristics differ from those of app nonusers is limited. Objective We aimed to determine mHealth app use based on adolescent and parental factors, including sociodemographics, digital skills, and health indicators, in a nationally representative sample of Czech adolescents (N=2500). Methods Adolescents aged 11 to 16 years and one of their parents participated in an online survey in 2021. A professional research agency recruited the participants. Quotas were used to ensure the sample’s representativeness. The sociodemographic factors were the adolescents’ age, gender, and parental perceived financial security. The adolescents also provided information about their screen time, eHealth literacy, BMI, health anxiety, physical activity, and sleep quality. Parents reported their digital skills, mobile phone attitudes, and the mediation of their children’s online health information–seeking behaviors. We evaluated the differences between the users and nonusers of mHealth apps and identified the significant predictors of mHealth app use. Next, we separately examined how these factors were associated with the use of mHealth apps that track calorie intake or expenditure, number of steps, weight, or sports activity (eg, exercise, running, and working out), as well as other mHealth apps (eg, those that track sleep and heart rate). Results More than half of the adolescents (1429/2455, 58.21%) reported using mHealth apps. App users were relatively older and, more often, girls. Apps that counted the number of steps were used most frequently, and adolescents whose parents reported higher perceived financial security used them more regularly. Overall, being older and physically active and having higher eHealth literacy skills were associated with using mHealth apps. Adolescents with higher BMI, health anxiety, and lower sleep quality more frequently used mHealth apps to track calorie intake or expenditure, weight, and health indicators. mHealth apps to track physical activity were used more regularly by girls. There was a positive association between parental mediation of online health information–seeking behaviors and adolescents’ mHealth app use. Conclusions These findings demonstrated that older age, physical activity, and eHealth literacy skills were the common underlying factors of adolescents’ mHealth app use. We initially showed parents as significant role models for their children’s adoption of, and engagement with, mHealth apps when they actively mediate their online health information–seeking behaviors. Improving the eHealth literacy skills of adolescents through parental guidance might enhance health technology use in this population. Tracking eating behaviors, weight, and health were more prevalent for adolescents who reported higher BMI, health anxiety, and lower sleep quality. Future research studies should examine the determinants and health outcomes of adolescents’ mHealth app use longitudinally.
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Elsantil, Yasmeen. "User Perceptions of the Security of Mobile Applications". International Journal of E-Services and Mobile Applications 12, nr 4 (październik 2020): 24–41. http://dx.doi.org/10.4018/ijesma.2020100102.
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With the exponential increase in the use of mobile devices across the globe, there is a concomitant need to understand how mobile users perceive the security of mobile application, and the potential risks involved in accessing and downloading them. Such an understanding will enable users to ensure the apps they download are secure and create greater awareness in the marketplace of the presence of hackers and malware used to invade the privacy and personal details of smartphones users. Research on the perception of users' mobile security is very limited and needs further investigation. This study aims to identify how mobile users perceive the security of different mobile apps and the extent to which different apps affect such perceptions. This study also investigates mobile user preferences for the places where they can access apps and their perceptions of risk at marketplaces vs. websites. This study is based on a qualitative research in which interviews were conducted with 32 university students. The study found that mobile users do not feel secure when installing mobile apps, and that concerns about hacking personal and private information are pervasive. Users expressed more security concerns regarding entertainment apps such as games and communication rather than financial apps, such as banking. The study also found that users prefer installing apps from app stores. The findings of this research contribute a greater understanding of how mobile users perceive mobile app security and offers insights that will help developers adjust their security policies to ensure users' security. The study also presents theoretical and empirical contributions, along with limitations and suggestions for further work.
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O'Connell, James, Manzar Abbas, Sarah Beecham, Jim Buckley, Muslim Chochlov, Brian Fitzgerald, Liam Glynn i in. "Best Practice Guidance for Digital Contact Tracing Apps: A Cross-disciplinary Review of the Literature". JMIR mHealth and uHealth 9, nr 6 (7.06.2021): e27753. http://dx.doi.org/10.2196/27753.
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Background Digital contact tracing apps have the potential to augment contact tracing systems and disrupt COVID-19 transmission by rapidly identifying secondary cases prior to the onset of infectiousness and linking them into a system of quarantine, testing, and health care worker case management. The international experience of digital contact tracing apps during the COVID-19 pandemic demonstrates how challenging their design and deployment are. Objective This study aims to derive and summarize best practice guidance for the design of the ideal digital contact tracing app. Methods A collaborative cross-disciplinary approach was used to derive best practice guidance for designing the ideal digital contact tracing app. A search of the indexed and gray literature was conducted to identify articles describing or evaluating digital contact tracing apps. MEDLINE was searched using a combination of free-text terms and Medical Subject Headings search terms. Gray literature sources searched were the World Health Organization Institutional Repository for Information Sharing, the European Centre for Disease Prevention and Control publications library, and Google, including the websites of many health protection authorities. Articles that were acceptable for inclusion in this evidence synthesis were peer-reviewed publications, cohort studies, randomized trials, modeling studies, technical reports, white papers, and media reports related to digital contact tracing. Results Ethical, user experience, privacy and data protection, technical, clinical and societal, and evaluation considerations were identified from the literature. The ideal digital contact tracing app should be voluntary and should be equitably available and accessible. User engagement could be enhanced by small financial incentives, enabling users to tailor aspects of the app to their particular needs and integrating digital contact tracing apps into the wider public health information campaign. Adherence to the principles of good data protection and privacy by design is important to convince target populations to download and use digital contact tracing apps. Bluetooth Low Energy is recommended for a digital contact tracing app's contact event detection, but combining it with ultrasound technology may improve a digital contact tracing app's accuracy. A decentralized privacy-preserving protocol should be followed to enable digital contact tracing app users to exchange and record temporary contact numbers during contact events. The ideal digital contact tracing app should define and risk-stratify contact events according to proximity, duration of contact, and the infectiousness of the case at the time of contact. Evaluating digital contact tracing apps requires data to quantify app downloads, use among COVID-19 cases, successful contact alert generation, contact alert receivers, contact alert receivers that adhere to quarantine and testing recommendations, and the number of contact alert receivers who subsequently are tested positive for COVID-19. The outcomes of digital contact tracing apps' evaluations should be openly reported to allow for the wider public to review the evaluation of the app. Conclusions In conclusion, key considerations and best practice guidance for the design of the ideal digital contact tracing app were derived from the literature.
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Malinda, Maya, Asni Harianti, Miki Tjandra, Yolla Margaretha i Andre Sunjaya. "Study of Financial Behaviors Micro Small Medium Enterprise in Bandung, Indonesia". International Journal of Trade, Economics and Finance 12, nr 1 (luty 2021): 21–25. http://dx.doi.org/10.18178/ijtef.2021.12.1.688.
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This study has purpose to reveal financial literacy from micro small medium enterprise (MSME) entrepreneurs in Bandung, Indonesia. Divided by three locations, Bojongsoang, Sukajadi and other location in Bandung city. The purpose of this research is to convey MSME behavior of financial literate. Criteria of financial literate are person can understand and practice for financial management, saving/investing, insurance & estate planning, credit, shopping. The method for testing used in this paper build by O’Neill is through Financial Fitness Quiz (FFQ)The result from 276 participants Bojong Soang, Sukajadi and other locations In Bandung, have different results degree. The result for saving/investment, insurance and estate planning, credit, shopping dimension showed low score below 20 points. It has been proven that MSME entrepreneurs need personal financial planning training. This research has purpose for to increase financial literate and to improve positive financial behavior with education and apps program peSak Abdi.
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Nuijten, Raoul, Pieter Van Gorp, Alireza Khanshan, Pascale Le Blanc, Astrid Kemperman, Pauline van den Berg i Monique Simons. "Health Promotion through Monetary Incentives: Evaluating the Impact of Different Reinforcement Schedules on Engagement Levels with a mHealth App". Electronics 10, nr 23 (26.11.2021): 2935. http://dx.doi.org/10.3390/electronics10232935.
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Background: Financial rewards can be employed in mHealth apps to effectively promote health behaviors. However, the optimal reinforcement schedule—with a high impact, but relatively low costs—remains unclear. Methods: We evaluated the impact of different reinforcement schedules on engagement levels with a mHealth app in a six-week, three-arm randomized intervention trial, while taking into account personality differences. Participants (i.e., university staff and students, N = 61) were awarded virtual points for performing health-related activities. Their performance was displayed via a dashboard, leaderboard, and newsfeed. Additionally, participants could win financial rewards. These rewards were distributed using a fixed schedule in the first study arm, and a variable schedule in the other arms. Furthermore, payouts were immediate in the first two arms, whereas payouts in the third arm were delayed. Results: All three reinforcement schedules had a similar impact on user engagement, although the variable schedule with immediate payouts was reported to have the lowest cost per participant. Additionally, the impact of financial rewards was affected by personal characteristics. Especially, individuals that were triggered by the rewards had a greater ability to defer gratification. Conclusion: When employing financial rewards in mHealth apps, variable reinforcement schedules with immediate payouts are preferred from the perspective of cost and impact.
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Gaur, Ritik, Rohit Singh i Mrs V. Vijayalakshmi. "Human Fitness Application". International Journal for Research in Applied Science and Engineering Technology 10, nr 12 (31.12.2022): 1554–57. http://dx.doi.org/10.22214/ijraset.2022.48263.
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Abstract: Everyone desires to be in good bodily and mental health. This requirement has been recognised by the developers developing fitness software. To accommodate the various needs of users, these applications offer customization and integrate diet and nutrition in addition to exercise and exercises. The apps have proven to be a huge comfort for those who don't have the time to regularly visit exercise facilities. It also provides free diet regimens and exercise recommendations. After discovering how crucial these apps are to their daily lives, many people have started utilizing them. This study aims to understand users' perceptions about mobile fitness app usage. The study basically examines the efficiency of fitness apps in terms of accessibility, time, and financial resources. It explores the advantages of mobile apps versus fitness centers as well. Primary data from 100 respondents were used to compile the necessary data on numerous related concerns. The paper offers ideas for enhancing and increasing user engagement with the apps. One of the most important benefits of using a fitness app is "motivation." Users are kept motivated by fitness app notifications and reminders that frequently remind them of their health goals. On their smartphone, users might also discover your fitness app at various times during the day. Fitness apps have simplified our lives and enable users to record their regular activities. As a result, they become more dedicated to their workouts and overall fitness.
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Brooker, Peter. "4D-Trajectory Air Traffic Management: ‘Are There ‘Killer Apps?’ – Part 1". Journal of Navigation 65, nr 3 (27.03.2012): 397–408. http://dx.doi.org/10.1017/s0373463312000045.
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Europe and the USA are developing plans (‘SESAR’ and ‘NextGen’) to transform the processes of Air Traffic Management (ATM). These will improve safety and efficiency, and match predicted increases in air transportation demand. Aircraft would fly on Four Dimensional-Trajectories (4D-Trajectories), incorporating altitude, position, time, and other aircraft positions and vectors. This vision would involve extremely large investments from the airline industry and ATM service providers. Thus, development priorities need to be based on sound business cases. But will these necessarily lead to the strategic vision of a 4D-Trajectory system? Will the changes in practice be limited to a series of short and medium term operational improvements rather than strategic improvements? Killer App(lication)s is jargon for innovations so valuable that they prove the core value of some larger technology. So, are there ‘Killer Apps’ for 4D-Trajectory ATM? Killer Apps generate high degrees of stakeholder technical and financial cooperation. Ironically, most past ATM Killer Apps have improved safety. The analysis here attempts to identify and then size potential 4D-Trajectory ATM Killer Apps. The evidence for Killer Apps has to pass key tests. Killer Apps obviously have to offer enormous benefits to stakeholders in the context of the potential costs. The bulk of these benefits must not be obtainable through technologically ‘cut down’ non−4D-Trajectory versions. Part 1 of this paper sets out the framework for investigating these questions; Part 2 will be published subsequently and will examine potential Killer Apps derived from improvements in Fuel Efficiency, Capacity and Cost. An abbreviated version of this paper was first presented at the European Navigation Conference (ENC 2011), London in November 2011.
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Şeker, Ferhat, Gökhan Kadirhan i Ahmet Erdem. "The factors affecting tourism mobile apps usage". Tourism & Management Studies 19, nr 1 (31.01.2023): 7–14. http://dx.doi.org/10.18089/tms.2023.190101.
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The purpose of this study is to determine the key factors affecting the behaviour of using tourism mobile apps. Contrary to previous studies, the present paper highlights the key factors by evaluating the perceived advantages and technological self-efficacy together. So as to evaluate overall measurement quality and test the hypothesised relationships, a two-step approach was applied. In the first step, confirmatory factor analysis (CFA) was employed to test the validity of the measurement scales. Then, the dataset was analysed using the PLS-SEM method to test the proposed hypotheses. Data were collected from 213 adult participants through an online survey. The study revealed that time-saving is a key determinant of tourism mobile apps usage with the highest beta coefficient (0.335, p<0.01). The effects of convenience (0.293) and technological self-efficacy (0.201) were also significant and positive. However, the perceived financial advantage does not have a significant effect on the behaviour of tourism mobile apps usage. Given the growing value and market potential of mobile applications, this research provides crucial empirical evidence for application developers and tourism researchers about the use of mobile applications for the tourism industry.
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Grundy, Quinn, Fabian Held i Lisa Bero. "A Social Network Analysis of the Financial Links Backing Health and Fitness Apps". American Journal of Public Health 107, nr 11 (listopad 2017): 1783–88. http://dx.doi.org/10.2105/ajph.2017.303995.
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Kim, Bo, Jong-In Lim i Yong-Hyun Jo. "Privacy Situation and Countermeasures of Financial Apps based on the Android operating system". Journal of the Institute of Webcasting, Internet and Telecommunication 14, nr 6 (31.12.2014): 267–72. http://dx.doi.org/10.7236/jiibc.2014.14.6.267.
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Hu, Jinlong, Junjie Liang i Shoubin Dong. "iBGP: A Bipartite Graph Propagation Approach for Mobile Advertising Fraud Detection". Mobile Information Systems 2017 (2017): 1–12. http://dx.doi.org/10.1155/2017/6412521.
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Online mobile advertising plays a vital financial role in supporting free mobile apps, but detecting malicious apps publishers who generate fraudulent actions on the advertisements hosted on their apps is difficult, since fraudulent traffic often mimics behaviors of legitimate users and evolves rapidly. In this paper, we propose a novel bipartite graph-based propagation approach, iBGP, for mobile apps advertising fraud detection in large advertising system. We exploit the characteristics of mobile advertising user’s behavior and identify two persistent patterns: power law distribution and pertinence and propose an automatic initial score learning algorithm to formulate both concepts to learn the initial scores of non-seed nodes. We propose a weighted graph propagation algorithm to propagate the scores of all nodes in the user-app bipartite graphs until convergence. To extend our approach for large-scale settings, we decompose the objective function of the initial score learning model into separate one-dimensional problems and parallelize the whole approach on an Apache Spark cluster. iBGP was applied on a large synthetic dataset and a large real-world mobile advertising dataset; experiment results demonstrate that iBGP significantly outperforms other popular graph-based propagation methods.
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Balogun, Oluwafemi Samson, i Sunday Adewale Olaleye. "Demystifying Mobile Banking App Security Through Gender, Education, Privacy, and Trust Intervention". International Journal of E-Adoption 14, nr 1 (styczeń 2022): 1–18. http://dx.doi.org/10.4018/ijea.294859.
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The escalating of mobile banking apps has decongested the banking hall, especially in developing countries, and the penetration of mobile banking apps is crucial for both financial institutions and customers. This study reviewed existing relevant literature from the Web of Science to position this study well and dwelled on a theoretical foundation for the exposition of the interrelation of trust and privacy as an antecedent of mobile banking app security. The quantitative method was employed and banking customers data using SmartPLS 3.0 version with different data analysis techniques such as structural equation modelling, multigroup data analysis, interaction effects, and importance-performance analysis. This study results show the intervention of gender and education. It also indicates that the orientation and persuasion of banking customers to the point of higher trust is a determinant of security assurance of using mobile banking apps. This study discusses the theoretical and managerial impacts with the limitation of the study and projects into the future.
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Ullah, Farhan, Xiaochun Cheng, Leonardo Mostarda i Sohail Jabbar. "Android-IoT Malware Classification and Detection Approach Using Deep URL Features Analysis". Journal of Database Management 34, nr 2 (16.02.2023): 1–26. http://dx.doi.org/10.4018/jdm.318414.
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Currently, malware attacks pose a high risk to compromise the security of Android-IoT apps. These threats have the potential to steal critical information, causing economic, social, and financial harm. Because of their constant availability on the network, Android apps are easily attacked by URL-based traffic. In this paper, an Android malware classification and detection approach using deep and broad URL feature mining is proposed. This study entails the development of a novel traffic data preprocessing and transformation method that can detect malicious apps using network traffic analysis. The encrypted URL-based traffic is mined to decrypt the transmitted data. To extract the sequenced features, the N-gram analysis method is used, and afterward, the singular value decomposition (SVD) method is utilized to reduce the features while preserving the actual semantics. The latent features are extracted using the latent semantic analysis tool. Finally, CNN-LSTM, a multi-view deep learning approach, is designed for effective malware classification and detection.
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Bansal, Aashutosh. "E-Commerce Application Security Issues and Various Security Enhancement Techniques". International Journal for Research in Applied Science and Engineering Technology 11, nr 6 (30.06.2023): 113–18. http://dx.doi.org/10.22214/ijraset.2023.53050.
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Abstract: A part of the information security framework, e-commerce security is used in areas like data security and computer security, among others. It covers safeguarding electronic commerce assets from unauthorized access, use, modification, or destruction of data. However, due to heightened awareness of attacks, the attackers use phoney websites and apps to circumvent the security of payment-related online activities. This article provides an overview of the many security issues that arise in ecommerce applications and discusses solutions. The study offers a survey of some methods used by different researchers. Due to the growth of e-commerce, most financial transactions now take place online.. They use websites or apps that are offered by businesses, making them more vulnerable to attacks and increasing the probability that attackers may use fake websites and apps. There are several methods that can be employed to defend against vulnerabilities. We have given a survey of the security measures used to protect banking transactions in this paper
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Andriani, Meta, i Krisna Damayanti. "Performa Financial Super-App Terhadap Kepuasan dan Loyalitas Pengguna Mobile Banking". Journal of Research on Business and Tourism 3, nr 1 (30.06.2023): 11. http://dx.doi.org/10.37535/104003120232.
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Mobile Banking yang merupakan fasilitas layanan berbasis elektronik yang digunakan oleh perbankan di Indonesia untuk memenuhi transaksi nasabah. Penelitian ini menggunakan pendekatan desain penelitian deskriptif dengan data empiris yang dikumpulkan melalui survei online dari sampel para nasabah yang menggunakan aplikasi Mobile Banking super apps. Data empiris kemudian diolah menggunakan pendekatan Partial Least Square (PLS)-SEM untuk menguji sejumlah hipotesis yang diajukan. Dapat disimpulkan bahwa variabel yang berpengaruh yang signifikan terhadap variabel Electronic Customer Satisfaction adalah Site Organization, User Friendliness, Personal Needs, Efficiency. Sedangkan variabel Reliability dan Responsiveness tidak berpengaruh signifikan terhadap Electronic Customer Satisfaction.