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The Dual Impact Of Ict Use On Work Autonomy, Workload, Work Engagement, And Work-Family Conflict: Moderating Effects Of Perceived Organizational Support And Conscientiousness, Shenghui Han Sep 2025

The Dual Impact Of Ict Use On Work Autonomy, Workload, Work Engagement, And Work-Family Conflict: Moderating Effects Of Perceived Organizational Support And Conscientiousness, Shenghui Han

Dissertations and Theses Collection (Open Access)

This study investigates the dual impact of information and communication technology (ICT) use intensity on employee outcomes in the workplace, with a particular focus on work autonomy, workload, work engagement, and work–family conflict (WFC). Drawing upon the job demands-resources (JD-R) model and conservation of resources (COR) theory, I propose a dual-pathway framework in which ICT use intensity acts as both a job resource and a job demand. The study also examines the moderating roles of perceived organizational support (POS) and conscientiousness.

Data were collected from 414 full-time employees across six companies in China through a three-wave survey with two-week intervals …


Privacy And Peer-To-Peer Payment Apps, Stephen L. Baglione, Louis A. Tucci Sep 2025

Privacy And Peer-To-Peer Payment Apps, Stephen L. Baglione, Louis A. Tucci

Journal of Global Business Insights

Apps for our smartphones are ubiquitous. Free apps usually require exchanging personal information. Mobile payments in the U.S. are expected to almost double by 2027. Peer-to-peer (P2P) payment apps are a subcategory of said apps. Venmo is a P2P payment app that gathers user data from their smartphone and publicizes user transactions. A between-subject survey shows respondents are concerned about privacy with P2P payment apps, even when only describing what the app does. Clusters are identified when examining involvement with P2P payment apps. The covariate online privacy was statistically significant; however, age, gender, and social media use were not statistically …


Understanding Entrepreneurial Culture: Resident Perspectives In A Post-Soviet Transition Country, Azamat Maksudunov, Kyialbek Dyikanov Sep 2025

Understanding Entrepreneurial Culture: Resident Perspectives In A Post-Soviet Transition Country, Azamat Maksudunov, Kyialbek Dyikanov

Journal of Global Business Insights

The concept of entrepreneurial culture has frequently appeared in academic studies dedicated to both developed and developing countries. However, this topic has not been sufficiently investigated in the case of post-Soviet Central Asian countries, particularly in the context of Kyrgyzstan. Kyrgyzstan can be an intriguing case study for analyzing entrepreneurial culture, as it has experienced distinct political and economic paradigms throughout its historical trajectory. This paper aims to empirically examine the current state and provide suggestions for the further development of entrepreneurial culture in Kyrgyzstan. This research is based on a conceptual framework developed through a review of existing literature …


Empowering Change: Uncovering The Dynamic Association Between Supervisor Support, Employee Engagement, And Turnover Intention, Abdelhamid Eladl, Vildan Esenyel Sep 2025

Empowering Change: Uncovering The Dynamic Association Between Supervisor Support, Employee Engagement, And Turnover Intention, Abdelhamid Eladl, Vildan Esenyel

Journal of Global Business Insights

This study aims to evaluate the relationship between supervisor support and turnover intention, as well as the mediating role of employee engagement in retail stores in Saudi Arabia. The study’s significance lies in its contribution to the understanding of how front-line employees’ view of the supervision qualities of their superiors impacts their turnover intention. The study offers insights to managers in retail stores by examining whether employee engagement plays a role in mediating the relationship between the two investigated variables. This information could be particularly helpful for supervisors looking to comprehend and adopt effective support when interacting with their front-line …


Less Is More! The Power Of Micro-Influencers: A Systematic Literature Review, Emine Kuzoren, Irem Kiris, Ismail Erkan Sep 2025

Less Is More! The Power Of Micro-Influencers: A Systematic Literature Review, Emine Kuzoren, Irem Kiris, Ismail Erkan

Journal of Global Business Insights

This paper aims to review micro-influencer marketing literature to identify gaps and provide directions for future research. The authors critically assessed 99 articles that appeared in the Scopus database. As a common outcome of the findings and emerging models from studies in the literature, a comprehensive conceptual model is proposed to guide future research. It has been concluded that micro-influencers differ significantly from others in terms of their interaction power and perceived high credibility in social media marketing. Additionally, the findings clarify the uncertainty regarding the classification of social media influencers. The paper not only identifies influencers but also highlights …


Bibliometric Analysis Of Tour Guide Performance: Trends, Influential Publications, And Emerging Research Themes, Aybuke Ozsoy, Nese Yilmaz Sep 2025

Bibliometric Analysis Of Tour Guide Performance: Trends, Influential Publications, And Emerging Research Themes, Aybuke Ozsoy, Nese Yilmaz

Journal of Global Business Insights

The quality of tours is significantly influenced by tour guides’ communication skills, regional knowledge, and storytelling abilities. Guide effectiveness depends on factors such as training, skill development, and professionalism in guest care. Given their pivotal role in shaping tour quality and experiences, the literature consistently highlights these effects. The present study aims to make a comprehensive contribution to the existing knowledge in the field by analyzing the academic literature on the performance of tour guides using bibliometric methods. Analysis reveals that the most cited publications on tour guide performance are found in tourism and management journals, such as Tourism Management. …


Rafy Zarządzania. Ludzie Różnią Się Od Śrubokrętów, Grażyna Wieczorkowska-Wierzbińska Sep 2025

Rafy Zarządzania. Ludzie Różnią Się Od Śrubokrętów, Grażyna Wieczorkowska-Wierzbińska

Monografie/Monographs

W czasach, gdy Internet zalany jest psychologicznymi tekstami dla menedżerów, a AI multiplikuje tę liczbę, Autorka przedstawia oryginalną syntezę (efekt ponad 40 lat intensywnej pracy naukowej) wiedzy o zmienionym informacyjnie świecie i tym, jak sieci neuronowe w naszych głowach sobie z tym radzą. Naczelnym celem była zwięzłość, wyrzucanie wszystkiego, co zbędne, aby wyposażyć Analityka w umiejętność rozumienia i zarządzania Holistykiem. Zwięzłość monografii zwiększa szansę zapamiętania 9 niebezpiecznych raf w zarządzaniu ludźmi, a w konsekwencji aktywizacji tej ważnej wiedzy w momencie, w którym jest ona potrzebna. W zapamiętaniu tego, co ważne, pomaga lista 16 pułapek i 44 przykładów wyników badań zatytułowanych …


Algorithmic Governance And The Boardroom: Empirical And Strategic Perspectives On Ai Integration In Corporate And Educational Oversight, James Hutson, Guarango Banerjee Sep 2025

Algorithmic Governance And The Boardroom: Empirical And Strategic Perspectives On Ai Integration In Corporate And Educational Oversight, James Hutson, Guarango Banerjee

Faculty Scholarship

The accelerating digitization of executive decision-making has prompted critical re-examination of the function and value of traditional boards of directors within corporate and educational institutions. Empirical research consistently reveals that human boards, while ostensibly tasked with strategic insight and fiduciary oversight, are frequently constrained by structural inefficiencies—such as director overcommitment, inflated compensation, and persistent conflicts of interest—that undermine organizational performance. Against this backdrop, the integration of Artificial Intelligence agents, either as analytic adjuncts or autonomous decision-makers, emerges as a plausible avenue for enhancing board effectiveness. This article synthesizes global case studies, peer-reviewed findings, and real-time technological developments to critically evaluate …


2025 September, Morehead State University. Office Of Communications & Marketing. Sep 2025

2025 September, Morehead State University. Office Of Communications & Marketing.

Morehead State Press Release Archive, 1961 to the Present

Press releases for September of 2025.


The Double-Edged Role Of Cognitive Reappraisal: A Moderated Mediation Model Of Manager Support And Emotional Exhaustion Among Hotel Supervisors, Han Chen, Yvette Green Sep 2025

The Double-Edged Role Of Cognitive Reappraisal: A Moderated Mediation Model Of Manager Support And Emotional Exhaustion Among Hotel Supervisors, Han Chen, Yvette Green

Journal of Global Hospitality and Tourism

Applying the Conservation of Resources Theory and the Affective Event Theory, this study explores the interplay between perceived manager support (PMS), negative emotions, and emotional exhaustion among hotel supervisors. The study also examines the moderating role of cognitive reappraisal strategy on the above relationships. Data were collected from a sample of U.S. hotel supervisors. Results showed that negative emotions play a mediating role in the relationship between PMS and supervisors’ emotional exhaustion. Cognitive reappraisal amplified the negative effect of PMS on negative emotions, the positive relationship between negative emotions and emotional exhaustion, and the indirect effect of PMS on emotional …


Customer Food Intake: An Empirical Analysis Of Gender, Restaurant Use And Attitude Toward Fast Food Among Adolescents And Young Adults, In Nairobi, Kenya, Gerishom G. Madivoli, Rosemarie Ayuma Khayiya, Beatrice Kamau Sep 2025

Customer Food Intake: An Empirical Analysis Of Gender, Restaurant Use And Attitude Toward Fast Food Among Adolescents And Young Adults, In Nairobi, Kenya, Gerishom G. Madivoli, Rosemarie Ayuma Khayiya, Beatrice Kamau

Journal of Global Hospitality and Tourism

Fast food is the fastest- growing food category worldwide, providing young people and adolescents with a quick, cost- effective, and easily accessible alternative to home- cooked meals. There has been considerably less research into how gender, restaurant usage, and attitudes influence patterns of fast- food consumption. Moreover, the growth of the fast- food industry in every nation creates a significant environmental impetus for increasing fast food consumption and promoting unhealthy eating behaviours. If this issue is not addressed, the prevalence of lifestyle diseases such as obesity, along with the costs of managing these conditions, will escalate, particularly in Kenya. This …


Reframing Service Quality In Ai-Powered Hospitality Environments, Olena Ciftci Sep 2025

Reframing Service Quality In Ai-Powered Hospitality Environments, Olena Ciftci

Journal of Global Hospitality and Tourism

The hospitality and tourism industry is experiencing a technological shift through the integration of artificial intelligence (AI), transforming both guest experiences and service operations. While AI offers hyper-personalization, efficiency, and scalability, it challenges traditional notions of service quality rooted in human interaction. This viewpoint explores the emerging concept of tech-augmented hospitality, where AI and human employees co-create guest experiences. The paper highlights key research directions for reconceptualizing service quality in the era of AI-enhanced hospitality. It argues for the development of new evaluative frameworks that encompass hybrid service models, cultural adaptability, inclusivity, and AI literacy.


Speculative Bubbles In The Recent Ai Boom: Nasdaq And The Magnificent Seven, Rerotlhe B. Basele, Peter C. B. Phillips, Shuping Shi Sep 2025

Speculative Bubbles In The Recent Ai Boom: Nasdaq And The Magnificent Seven, Rerotlhe B. Basele, Peter C. B. Phillips, Shuping Shi

Research Collection School Of Economics

The recent artificial intelligence (AI) boom covers a period of rapid innovation and wide adoption of AI intelligence technologies across diverse industries. These developments have fueled an unprecedented frenzy in the Nasdaq, with AI-focused companies experiencing soaring stock prices that raise concerns about speculative bubbles and real-economy consequences. Against this background, this study investigates the formation of speculative bubbles in the Nasdaq stock market with a specific focus on the so-called Magnificent Seven (Mag-7) individual stocks during the AI boom, spanning the period from January 2017 to January 2025. We apply the real-time PSY bubble detection methodology of Phillips et …


Organization Research As An Applied Science: Lessons From Fields That Shape Practice And Policy, Stephen X. Zhang, Gokhan Ertug Sep 2025

Organization Research As An Applied Science: Lessons From Fields That Shape Practice And Policy, Stephen X. Zhang, Gokhan Ertug

Research Collection Lee Kong Chian School Of Business

As an applied science, our field aims to improve organizational effectiveness and solve practical problems (Hideg, DeCelles & Tihanyi, 2020; Pfeffer & Fong. 2002; Pillutla & Thau, 2013). However, despite the increasing sophistication in methods and greater emphasis on theory in recent decades, we have not made commensurate strides in relevance and impact. As we see it, the heart of this challenge is the culture in our field that demands novel theoretical advancement from every paper (Aguinis & Cronin, 2022), which may inadvertently constrain our ability to address pressing organizational challenges. Previous appeals to enhance our impact as an applied …


Temporal Patterns Of New Product Introductions And Ipo Value: The Importance Of Recency, Dispersion, And Asymmetry, Suyun Mah, Rebecca J. Slotegraaf, Girish Mallapragada Sep 2025

Temporal Patterns Of New Product Introductions And Ipo Value: The Importance Of Recency, Dispersion, And Asymmetry, Suyun Mah, Rebecca J. Slotegraaf, Girish Mallapragada

Research Collection Lee Kong Chian School Of Business

A firm’s innovation activity is often judged by the number and type of new products it launches, but when these products are introduced may be equally important, especially before going public. This research investigates how the temporal pattern of new product introductions (NPIs) influences a firm’s initial public offering (IPO) value. The analysis uses data from 298 firms that went public between 2006 and 2023, and focuses on three patterns of timing: recency (how recently the latest product was launched before the IPO), dispersion (the degree to which NPIs before the IPO are spread out over time), and asymmetry (how …


Why Stressed Candidates Make Better Cross-Cultural Hires, Shilpa Madan Sep 2025

Why Stressed Candidates Make Better Cross-Cultural Hires, Shilpa Madan

Research Collection Lee Kong Chian School Of Business

When interviewing job candidates, you may look for evidence that they stay calm under pressure and interpret signs of stress as red flags. However, our recent research shows that for cross-cultural positions, those red flags might actually indicate your best potential hires. Candidates who exhibit signs of stress may be better suited to navigate the complexities of cross-cultural roles, suggesting a need to reassess traditional interview evaluations.


The Impact Of Politics And Identity On Instagram: Exploring The Impacts On Social Connections, Kaslyn Tidmore Sep 2025

The Impact Of Politics And Identity On Instagram: Exploring The Impacts On Social Connections, Kaslyn Tidmore

Graduate Theses and Dissertations

This study investigates how political and identity signals on Instagram-specifically pronoun usage, LGBTQ+ representation, support for political figures, and religious expression-influence perceptions of political leaning, perceived similarity (homophily), and willingness to connect or engage with both individuals and brands. Using a between-subjects experimental design, 222 participants were exposed to mock Instagram profiles systematically varying these indicators. Results from a chi-square test of independence revealed that political indicators in profiles significantly shaped participants’ perceptions of users’ political leanings. Among the indicators, support for a political figure repeatedly reported as the strongest predictor of perceived political leaning, social similarity, and willingness to …


Sound Decisions: The Impact Of Music Genre In Fashion Advertising On Consumer Perceptions And Purchase Intention, Cassandra Thomas Sep 2025

Sound Decisions: The Impact Of Music Genre In Fashion Advertising On Consumer Perceptions And Purchase Intention, Cassandra Thomas

Graduate Theses and Dissertations

This study examines how music genre, brand type, and the perceived congruency between the two influences consumer perceptions of fashion advertising. Guided by Congruity Theory and Attitude Theory, this study employed a 3x3 experimental design in which 252 participants viewed one of nine advertisement conditions varying by music genre (pop, hip-hop, electronic) and brand type (activewear, fast fashion, luxury). A series of one-way ANOVAs, bivariate correlations, and regression analyses were conducted to interpret the effects of music genre, brand type, and perceived congruency on attitudes toward 1) the advertisement and brand, 2) credibility of the advertisement and brand, and 3) …


Nursing Students’ Sociodemographic Characteristics And Consumer Preferences’ Prediction Level Of Perceived Food Literacy, Sinan Duru Aug 2025

Nursing Students’ Sociodemographic Characteristics And Consumer Preferences’ Prediction Level Of Perceived Food Literacy, Sinan Duru

Makara Journal of Health Research

Background: Food literacy, which is a critical competency for nursing students, plays a pivotal role in promoting evidence-based nutrition behaviors and contributes effectively to public health. This study aimed to determine the level of perceived food literacy among nursing students.

Methods: This cross-sectional study involved 488 nursing students from two universities in the south of Turkey. The research data were collected face to face via the Personal Information Form, the Consumer Preferences Form, and Self Perceived Food Literacy. The data was analyzed using the Independent Sample t Test, One Way ANOVA, and multiple linear regression.

Results: The …


Review Of The Role Of Psychological Curriculum In Vocational And Technical Education In China, Hengjun Wang, Siew Ping Wong Aug 2025

Review Of The Role Of Psychological Curriculum In Vocational And Technical Education In China, Hengjun Wang, Siew Ping Wong

International Journal of Management, Finance and Accounting

The integration of psychological education in China's vocational and technical education (VTE) schools is increasingly recognized for its role in promoting students' personal and professional growth. This review synthesizes recent research to evaluate the integration of psychological education in VTE schools and its benefits, outcomes, and challenges. A psychological curriculum is found to enhance both students' personal and professional development. However, key findings also highlight the inconsistency in the implementation of psychological education among VTE schools and the insufficiency in updating the curriculum to address students' changes due to the transformation in technology and economy. Proposing a mixed-methods approach, the …


A Critical Review Of Theory Of Planned Behavior In Knowledge Payment, Tang Yunlong, Anusuyah Subbarao, Aaron Aw Teik Hong Aug 2025

A Critical Review Of Theory Of Planned Behavior In Knowledge Payment, Tang Yunlong, Anusuyah Subbarao, Aaron Aw Teik Hong

International Journal of Management, Finance and Accounting

The Theory of Planned Behavior (TPB) is a widely applied theoretical framework for predicting individual intentions and behaviors. However, its application in the knowledge payment domain remains limited. Existing studies primarily focus on TPB’s three core constructs while overlooking emerging factors. Additionally, most studies rely on quantitative methods, particularly cross-sectional surveys, lacking longitudinal and experimental research, which may result in an incomplete understanding of consumer knowledge payment behavior. This study utilizes a Systematic Literature Review (SLR) methodology to thoroughly examine the current research based on the TPB within the domain of knowledge payment. A systematic search method was employed to …


The Impact Of Social Media On Consumer Satisfaction: The Role Of Usage Frequency, Brand Image, Brand Identification, And Content Quality, Yu Qing Soong, Qizhilu Zhang, Quan Kai Ang, Wei Chien Ng Aug 2025

The Impact Of Social Media On Consumer Satisfaction: The Role Of Usage Frequency, Brand Image, Brand Identification, And Content Quality, Yu Qing Soong, Qizhilu Zhang, Quan Kai Ang, Wei Chien Ng

International Journal of Management, Finance and Accounting

In recent years, consumers have widely utilised social media to be particularly involved with interested brands via online platforms, share their opinions, and easily explore brand-related information. Hence, this study examined the impacts of social media, from the perspectives of usage frequency, brand image, brand identity, and brand content, on consumer satisfaction in China based on social identity theory and attachment theory. The research applied a quantitative method via an online questionnaire, and 302 valid responses were received. After the data was collected and a research model was built, multiple regression analysis was utilised to analyse the data and prove …


From Anxiety To Action: Understanding Financial Worries And Strategies To Boost Insurance Take-Up, Hui Shan Lee, Kee Seng Kuang Aug 2025

From Anxiety To Action: Understanding Financial Worries And Strategies To Boost Insurance Take-Up, Hui Shan Lee, Kee Seng Kuang

International Journal of Management, Finance and Accounting

In developing countries, inadequate insurance and financial planning have led experts to call for government intervention to avoid potential financial crises. In Malaysia, where increasing insurance uptake is a national priority, this study examines how education and socioeconomic factors influence financial concerns. Using a regression model, this study analyses data from 1,000 survey responses from Malaysia in the Global Findex database, examining the effects of education, income, gender, age, and urbanicity on various financial worries, including retirement, medical expenses, monthly bills, and education costs. Findings show that higher education levels are associated with reduced financial anxiety around medical expenses and …


Effects Of Research And Development Subsidies On Research And Development Investment And Firm Performance: Evidence From High-Tech Firms In China, Hanqi Ye, Moau Yong Toh Aug 2025

Effects Of Research And Development Subsidies On Research And Development Investment And Firm Performance: Evidence From High-Tech Firms In China, Hanqi Ye, Moau Yong Toh

International Journal of Management, Finance and Accounting

Over the past decade, the Chinese government has actively promoting research and development (R&D) in high-tech industries to foster scientific and technological innovation and address economic slowdown. Against this backdrop, this study explores how the interaction between government R&D subsidies and R&D investment influences the performance of high-tech firms in China. Specifically, it investigates (i) the relationship between government R&D subsidies and firm performance, (ii) the relationship between government R&D subsidies and R&D investment, and (iii) the mediating role of R&D investment in the relationship between government R&D subsidies and firm performance. Analysing 773 listed high-tech firms from 2018 to …


How Personality Shapes Workplace Incivility: A Theoretical View, Mazni Alias, Nor Shazleen Eshak, Chew Sze Cheah, Nur Farhana Lyana Ameruddin Aug 2025

How Personality Shapes Workplace Incivility: A Theoretical View, Mazni Alias, Nor Shazleen Eshak, Chew Sze Cheah, Nur Farhana Lyana Ameruddin

International Journal of Management, Finance and Accounting

Workplace incivility, characterised by low-intensity, ambiguous behaviour such as disrespect, rudeness, and discourtesy, disrupts workplace harmony and erodes organisational culture. Although these behaviours may appear minor, their cumulative impact can significantly harm individuals and organisations, manifesting in decreased morale, productivity, and well-being. Personality traits play a crucial role in shaping how employees perceive, experience, and respond to workplace incivility, influencing its outcomes and associated costs. However, existing literature offers limited insights into how these personality differences exacerbate experiences of workplace incivility, leaving a critical gap in understanding this phenomenon. This conceptual paper draws on victim precipitation theory and trait activation …


Factors Influencing Intention To Purchase Electric Motorcycles In Urban India, Chung Hui Ong Aug 2025

Factors Influencing Intention To Purchase Electric Motorcycles In Urban India, Chung Hui Ong

International Journal of Management, Finance and Accounting

This study investigates factors influencing urban Indian consumers’ electric motorcycle purchase intentions amid growing sustainable transportation demands. Building on the Technology Acceptance Model (TAM), the research integrates core constructs—Perceived Usefulness, Perceived Ease of Use, and Attitude—with two contextual variables, including Consumer Awareness and Perceived Trust. A quantitative survey was distributed via Google Forms to 153 urban residents across Indian cities, with a GPower analysis confirming adequate statistical power for regression modeling. The findings reveal that Perceived Usefulness, Attitude, and Perceived Trust significantly influence consumers’ purchase intentions, with attitude emerging as the most influential predictor. In contrast, Perceived Ease of Use …


Employee Turnover Intentions: An Empirical Study On Five-Star Hotels In Malaysia, Chin Wei Chong, Li Joe Ang, Mohammad Khaleel Okour Aug 2025

Employee Turnover Intentions: An Empirical Study On Five-Star Hotels In Malaysia, Chin Wei Chong, Li Joe Ang, Mohammad Khaleel Okour

International Journal of Management, Finance and Accounting

This research aims to explore how economic, social, psychological, and training and development factors influence employee turnover intentions in five-star Malaysian hotels. Data was collected through questionnaires and distributed to 120 employees using convenience sampling, and SPSS was used to perform the data analysis. The results of the multiple regression analysis revealed that economic factors (including pay, reward, and benefits), social factors (including co-workers, manager or supervisor, and working environment), and training and development factors (including training opportunity and career development) are significantly related to employee turnover intentions. In contrast, psychological factors (including job involvement, personal characteristics, personal life, and …


Exploring The Impact Of Leadership On Encouraging Innovative Behaviours: An Employee’S Perspective, Fouzia Khan, Aysa Siddika, Abdullah Sarwar Aug 2025

Exploring The Impact Of Leadership On Encouraging Innovative Behaviours: An Employee’S Perspective, Fouzia Khan, Aysa Siddika, Abdullah Sarwar

International Journal of Management, Finance and Accounting

Innovation is crucial in the current business environment amidst uncertainties and heightened competition. The study explored how employees perceive their leaders' behaviour regarding innovations in the service sector. An in-depth interview technique has been employed as part of a qualitative research approach to identifying leaders' behaviours likely to enhance or discourage employees' innovative behaviour. Eight participants with extensive experience in the service sector were selected from various sectors, including consultancy, financial services, and the telecommunications industry in Malaysia. Thematic analysis was used to identify leaders' behaviours that encourage or discourage employees' innovative behaviour at work. The study observed 15 different …


Buy Now, Think Later? A Conceptual Take On Malaysian Bnpl Choices, Alin Afina Alias, Fatin Zaida Zaidi, Nur Fatin Shahmina Mohd Fauzey Aug 2025

Buy Now, Think Later? A Conceptual Take On Malaysian Bnpl Choices, Alin Afina Alias, Fatin Zaida Zaidi, Nur Fatin Shahmina Mohd Fauzey

International Journal of Management, Finance and Accounting

“Buy Now, Pay Later” (BNPL) has reshaped consumer spending behaviors, with Malaysia experiencing a significant surge in adoption and usage. BNPL is widely used by Gen-Z and millennials as a form of payment, leading to increased spending due to this borrowing scheme. It has introduced a shift in consumer spending patterns, often characterized by the ‘Buy Now, Think Later?’ mindset. Due to the rising popularity of BNPL schemes, Bank Negara Malaysia is looking to amend the Consumer Credit Act. As BNPL schemes often synthetically promote positive payment behaviors through readily available installment credit options, many consumers seem to adopt a …


Assessing The Influence Of The Electronic Levy On Consumer Purchasing Behaviour In The Ghanaian E-Commerce Sector, Jefferson Sigfred Seyeram Bansa, David Asumadu - Boateng, Harry Adjetey Ashong, Rubby Aku Ameh Aug 2025

Assessing The Influence Of The Electronic Levy On Consumer Purchasing Behaviour In The Ghanaian E-Commerce Sector, Jefferson Sigfred Seyeram Bansa, David Asumadu - Boateng, Harry Adjetey Ashong, Rubby Aku Ameh

African Conference on Information Systems and Technology

This study examines the influence of Ghana’s Electronic Transfer Levy (E-Levy) on consumer purchasing behaviour within the country’s emerging e-commerce ecosystem. Using a qualitative phenomenological approach, data were collected through semi-structured interviews with 15 consumers in Accra and Kumasi to explore how the levy affected their trust in digital platforms, transaction patterns, and engagement with e-commerce. Thematic analysis revealed four major findings: reduced frequency of online purchases, strategic avoidance of mobile money and other taxed platforms, restructuring of transactions to minimize costs, and a growing mistrust of digital systems fueled by misinformation and lack of policy clarity. While some consumers …