The Critical Factors Of Online Banking Trust Toward Consumer Behavior, Allam Mawlawi

Al Jinan الجنان

It is hard to find an article dealing with online purchasing without mentioning in the first place the importance of trust as a major factor enabling or disabling users to accomplish their operations safely. The expansion of e-commerce and e-business is related to a diversity of factors that enhance the intention and create the will of online banking. The fact that it is not always about trusting the bank the customer dealing is within an absolute value, it may take in charge a list of factors that can affect directly or indirectly, positively or negatively the act of online purchasing. …

A False Sense Of Security: How Congress And The Sec Are Dropping The Ball On Cryptocurrency, Tessa E. Shurr

Dickinson Law Review (2017-Present)

Today, companies use blockchain technology and digital assets for a variety of purposes. This Comment analyzes the digital token. If the Securities and Exchange Commission (SEC) views a digital token as a security, then the issuer of the digital token must comply with the registration and extensive disclosure requirements of federal securities laws.

To determine whether a digital asset is a security, the SEC relies on the test that the Supreme Court established in SEC v. W.J. Howey Co. Rather than enforcing a statute or agency rule, the SEC enforces securities laws by applying the Howey test on a fact-intensive …

Make Amazon Your Servant, Not Your Master, Lisa Takabori

Marriott Student Review

This article explains how consumers can make better purchasing decisions by recognizing how benefits of local brick-and-mortar stores, such as Target, surpass the perceived benefits of e-commerce giant, Amazon.

A Place To Grow: Social Media And The Small Business, Lilli Vehikite

Marriott Student Review

E-commerce has revolutionaized the way we shop-- yet many small businesses have yet to embrace the growth that can come through harnessing the power of social media.

Do We Need Kyc/Aml: The Bank Secrecy Act And Virtual Currency Exchanges, Stan Sater

Arkansas Law Review

"Technology is moving faster than government or law can keep up. It's moving faster than you can keep up: you should be asking the question of what are your rights and who owns your data. - Gus Hunt, 2013 CIA Chief Technology Officer1 The Currency and Foreign Transactions Reporting Act, commonly referred to as the Bank Secrecy Act (the BSA), is the U.S. government’s 800-pound gorilla when it comes to regulating virtual currency.2 It has been expanded, transformed, and updated since its initial passage in 1970 to keep pace with new developments in global terrorism and money laundering, all the …

Crypto And Blockchain Fundamentals, Mary C. Lacity

Arkansas Law Review

"I believe blockchain will do for trusted transactions what the Internet has done for information." - Ginni Rometty, CEO of IBM Since the 1990s, we have had an "Internet of Information" that allows us to seamlessly share information such as documents, images, emails, and videos over the Internet. While most Internet users do not need to understand the details of the technical protocols operating underneath user-friendly software interfaces, it is helplful to understand how they work at a high-level. With the "Internet of Information," copies of information are routed over the Internet. If a sender emails a friend, the sender …

Are Universities Using The Right Assessment Tools During The Pandemic And Crisis Times?, Mohanad Halaweh

Higher Learning Research Communications

All industries have been affected by the COVID-19 pandemic and have worked to develop alternative strategies and actions to survive and continue business operations; the education sector is no exception. University administrators and instructors have faced challenges in finding the appropriate mechanisms to manage the final examination process. This essay suggests that project-based learning (PBL) assessment could be an effective alternative to online examinations. It advocates the adoption of PBL by highlighting the challenges/pitfalls associated with online exams supported by proctoring software tools.

The Next Frontier: Blockchain In The Music Industry, Manuel J. Manriquez Jr

Backstage Pass

This Research Paper takes a look at how Blockchain technology can potentially change the music industry as we know it!

An Evaluation Of Three Online Chatbots, Mahesh Vanjani, Jamison Posey, Milam Aiken

Southwestern Business Administration Journal

Chatbots enable machines to emulate human conversation. While research has been done to examine how human-like communication with chatbots can be, heretofore comparisons of the systems with humans have not accounted for abnormal behavior from the users. For example, the people using the chatbot might be lying or trying to, in turn, imitate a computer’s response. Results of a study comparing transcripts from three chatbots and two humans show that student evaluators were able to correctly identify two computer transcripts, but failed on one. Further, they incorrectly guessed that one of the humans was a chatbot. The study also presents …

Leveraging Technology Through Crowdfunding To Ease Barriers Of Entry Into The Marketplace, Amye Melton, Terry Damron, Vikkie Mccarthy, William Rupp

International Journal of Applied Management and Technology

Small businesses and entrepreneurs face barriers to entering new markets, such as access to capital. Crowdfunding is one method for financing new ventures. The purpose of this article is to explore how crowdfunding can ease barriers of entry into new markets. Drawing from strategic management, planning, marketing, and technology acceptance literature, we present a conceptual model to explain the use of crowdfunding by small businesses and entrepreneurs. Factors that impact individuals’ propensity to utilize crowdfunding as a source of capital include ease of use, intention to use, attitudes toward use, and effectiveness.

Strategies To Prevent And Detect Occupational Fraud In Small Retail Businesses, Marquita V. Davis, David Harris Iii

International Journal of Applied Management and Technology

The objective of this multiple case study was to explore internal control strategies owners of small retail businesses in southeastern Pennsylvania used to prevent and detect occupational fraud. The results of this study indicated that there are areas for action that owners of small retail businesses could take to prevent and detect occupational fraud. Strategies business owners could implement to protect their businesses from occupational fraud include monitoring, employee identity documents to track employee activity, separation of duties, and communication with employees. Small business owners serve their communities by focusing on wealth distribution, including donations to local charities that foster …

The Substantial Growth Of Shadow Banking, Financial Technology And Digital Currency And Their Respective Roles In Shaping The Next Financial Crisis, Vardhan S. Chulani Mr.

Undergraduate Economic Review

Based on Goldman Sachs’ model and the state of current affairs, an underlying possibility of a financial crisis occurring in the foreseeable future does exist. This could be due to ongoing trade war and negotiations with different countries, the new policies introduced by political parties and their respective impacts, high amounts of corporate and student debts along with auto loans in the economy, thus indicating signs of excessive leverage and resulting in depressing consumer confidence. International issues such as Brexit, the existing currency and debt crisis with Turkey, and China’s debt bubble could also contribute to the global growth slowdowns. …

The (Unfilled) Fintech Potential, Aluma Zernik

Notre Dame Journal on Emerging Technologies

Part I explores the idea that technology has the utopian potential to significantly improve the way individuals make financial decisions. Part II discusses some existing market failures, while presenting the potential of technological innovation in resolving such failures. Part III presents the realized potential of such innovative products, analyzing the design of credit card comparison websites, financial management tools, and mobile wallets. I will demonstrate the significant benefits of such products, and yet the limited realization of the potential advantages of such services. Part IV presents several explanations for why such potential is not being fully realized. These explanations may …

Value Innovation Activities In The Wireless Telecommunications Service Sector: A Case Study Of The Malaysian Market, Mohammed A. Hajar, Daing Nasir Ibrahim, Mohd Ridzuan Darun, Mohammed A. Al-Sharafi

Journal of Global Business Insights

Innovation has become an important source of growth and survival for the telecom industry, especially with the highly competitive, dynamic business environment of this sector. The telecom market attributes of liberalization, privatization and globalization result in fierce competition, which aggravates telecom firms’ challenges to expand their market share, and hence, increase customer base, sales volume, and ultimately profit. A new strategy to succeed is innovation differentiation, which leads to breaking out the competition and creating uncongested market space. The aim of this paper is to highlight the logic of value innovation in the wireless telecom sector. A qualitative research approach …

Diversity And Consumption: Evaluation Of The Research Papers On The Lgbt Community In Top Marketing Journals, Cintia Loos Pinto, Nuria Huete Alcocer, Laura Mercedes Avellaneda Rivera, Ricardo Teixeira Veiga

Atlantic Marketing Journal

The purpose of this research is to identify the evolution of papers published on LGBT issues in the main marketing journals. To that end, the 50 top-ranked journals in the SCImago Journal Rank (SJR) were analyzed, revealing that 17 of them had at least one publication on the subject. Analysis of a total of 34 articles enabled the main topics studied to be summarized in six categories: the effects of LGBT advertising on the viewers; LGBT advertising – an overview; gender studies in marketing; the gay-friendly approach; the LGBT market; and social marketing.

Customer Service Challenges In Omni-Channel Retailing—An Exploratory Study Of Vague Language In Retailer Customer Service Policies, Terence L. Holmes, Edward C. Brewer

Atlantic Marketing Journal

Retailers are interacting with customers via an ever-increasing number of touchpoints. The addition of social media and mobile devices to the traditional physical and virtual retail platforms has created an evolving consumer practice of using several such "touchpoints" in the course of a single purchase (the "omni-channel”). The difficulty of providing high levels of customer service has increased with the necessity of managing multiple channels under the retailer’s control and coordinating formally or informally with touchpoints not directly within the retailer’s own operations. Multiple sources of potentially conflicting information (e.g., order fulfillment) can lead to miscommunication, and thus poor service …

Blockchain Adoption Model For The Global Banking Industry, Zaina Kawasmi, Evans Akwasi Gyasi, Deneise Dadd

Journal of International Technology and Information Management

Blockchain has become the new hype term in the business world for the last decade. Due to the new technology’s characteristics and innovative applications, it is being adopted globally in a wide number of industries including the banking industry, yet no adoption model is provided to guide this process. This research aims to contribute to facilitating the successful adoption and implementation of the blockchain new technology in the banking industry. Building on the assumption that the blockchain’s adoption in banking will be directed by the regulations and best practices guidelines of the global banking regulatory bodies and practitioner, this research …

The Impact Of E-Commerce On The Development Of Entrepreneurship In Saudi Arabia, Khulood Al-Mani

Journal of International Technology and Information Management

This paper is based on a Ph.D. study investigating the critical challenges facing e-commerce adoption by entrepreneurs in Saudi Arabia, identifying the major driving factors, barriers, motivations, perceived advantages, potential problems and some practical solutions as well as future expectations from entrepreneurs’ perspectives. From the study findings, a set of practical recommendations were derived for the government, entrepreneurs and investors in Saudi Arabia to consider, to promote ecommerce entrepreneurship in the county.

The research was undertaken using a qualitative approach. Data collection techniques involved in-depth, semi-structured interviews, with (1) e-commerce entrepreneurs, and (2) government authorities, educational initiatives and private support …

Determinants Of Startup Funding: The Interaction Between Web Attention And Culture, Jie Ren, Viju Raghupathi, Wullianallur Raghupathi

Journal of International Technology and Information Management

Technology empowers entrepreneurs to pursue alternative funding through platforms like crowdfunding. This research explores significant startup funding factors using Crunchbase. Controlling for common factors (acquisition/funding-rounds/IPO), the research uniquely focuses on web attention - the visibility on social media - and its impact on funding. It also examines the moderating influence of startup’s home country culture (individualism/collectivism). Findings show stronger positive impact of web attention on startup funding for collectivist countries. While individualistic investors value personal goals, collectivists value collaborative goals - inclinations that align with crowdfunding behavior. Therefore while increasing web attention, crowdfunding efforts can be targeted towards collectivist countries.

Table Of Contents Jitim Vol 29 Issue 1, 2020

Journal of International Technology and Information Management

Table of contents

Evaluating Students Information System Success Using Delone And Mclean’S Model: Student’S Perspective, Majaliwa Mkinga, Herman Mandari

Journal of International Technology and Information Management

System success is considered to be an important element in accomplishing the goals of the organization; therefore evaluation of system success needs to be done in order to ensure that investment in Information System is successful. Most of Higher Learning Institutions (HLIs) in Tanzania have adopted the use of IS in providing service to their customers. Nevertheless, there is less evidence that system success evaluation has been done in order to identify the desired characteristics which could make IS more effective. Due to that, this study evaluates the effectiveness of Student Information System (SIS) used at the Institute of Finance …

Table Of Contents Jitim Vol 29 Issue 2, 2020

Journal of International Technology and Information Management

Table of contents

Table Of Contents Jitim Vol 29 Issue 3, 2020

Journal of International Technology and Information Management

Table of contents

The Regulation Of Cryptocurrencies: Between A Currency And A Financial Product, Hadar Y. Jabotinsky Dr.

Fordham Intellectual Property, Media and Entertainment Law Journal

Cryptocurrencies are electronically generated and stored currencies by which users can trade either real or virtual objects with one another. As these digital assets gain popularity, the issue of how to regulate them becomes more pressing. Cryptocurrencies are attractive due in part to their decentralized, peer-to-peer structure. This makes them an alternative to national currencies which are controlled by central banks. Given that these cryptocurrencies are already replacing some of the “regular” national currencies and financial products, the question then arises—should they be regulated? And if so, how? This paper draws the legal distinction between cryptocurrencies which are in fact …