Management Information Systems Commons^™

From Ideas To Impact: Evaluating How Financial Technology Expands Financial Inclusion Across Countries, Shravani Atakari

Posters - 2026

Financial inclusion refers to access and use of financial services (World Bank, 2022). Traditional finance excludes users due to:

• High costs • Geographic distance • Limited credit History . Fintech expands access through digital tools Purpose: Analyze how fintech improves inclusion and what drives adoption

Research Questions How does financial technology reduce barriers to financial inclusion, and what factors influence its adoption among underserved populations? Objectives Identify key barriers to financial inclusion Analyze how fintech reduces these barriers Examine adoption factors (TAM + UTAUT) Propose solutions to improve adoption

Smartstock, Enzo Jaques

Posters - 2026

SmartStock is a mobile application designed to help small business owners efficiently manage inventory and track sales in real time. Many small businesses rely on manual tracking methods or spreadsheets, which can lead to errors, lost data, and inefficient operations. SmartStock addresses this problem by providing a simple, mobile-first solution that allows users to manage products, monitor stock levels, and calculate profits instantly.

Purpose:

• Simplify inventory management • Track sales and profit automatically • Provide real-time low stock alerts • Improve decision-making for small businesses

Bias In Generative Ai: Amplified Stereotypes And Their Impact On Decision-Making, Jaymo Kim, Mi Zhou, Vibhanshu Abhishek, Tim Derdenger, Kannan Srinivasan

AMTP Proceedings 2026

This study examines bias in generative AI through an analysis of approximately 8,000 occupational portraits created by Midjourney, Stable Diffusion, and DALL·E 2. We document significant underrepresentation of women and Black individuals compared to real-world benchmarks. The research identifies two primary manifestations of bias: systematic gender and racial disparities, and subtle biases in facial expressions that influence perceptions of competence and trustworthiness. Through an iterative "Creative Lab" involving a fictional brand, we employ a three-phase experimental design to test whether AI disclosure labels—as proposed in the AI Disclosure Act of 2023—can mitigate the impact of these biases on consumer evaluations. …

Enhancing Introductory Cybersecurity Learning: A Design-Based Research Case Study, Manny Niri Dr.

Journal of Cybersecurity Education, Research and Practice

This study employs a design-based research (DBR) framework to examine the impact of a comprehensive curriculum redesign in an introductory Foundations of Security module for undergraduate students in computing and cybersecurity at a UK public university between 2019 and 2025. The redesign aimed to enhance student learning, engagement, and critical thinking through the embodiment of evidence-based pedagogical strategies, including flipped classroom delivery, blended learning, gamified practical exercises, repeated low-stakes mock assessments, and structured problem-solving activities. Student feedback, assessment outcomes, attendance records, and faculty reflections were analysed to evaluate the effectiveness of the redesign. The results indicate substantial improvements in student …

Reconstruction Of Information System Acceptance Model In The Era Of Integrated Artificial Intelligence: A Systematic Literature Review, Ilham, Merlin Apriliyanti

Library Philosophy and Practice (e-journal)

This study aims to explain the rapid development of Artificial Intelligence (AI) which has driven significant transformations in the development and use of information systems. However, most classical information system acceptance models, such as the Technology Acceptance Model (TAM) and  (UTAUT), have not been able to fully explain the unique characteristics of AI-based systems that are autonomous, adaptive, and complex. This study aims to reconstruct the information system acceptance model in the era of integrated AI through a Systematic Literature Review (SLR) approach. This study was conducted using the PRISMA protocol on 130 leading scientific articles indexed by Scopus and …

Examining Factors Influencing Customer Loyalty In Omnichannel Retailing: The Mediating Role Of Customer Experience, Min Xiuxia

Student Works (2020-2029)

Research aims: This study aims to investigate factors that influence customer loyalty in omnichannel retailing and mediating role of customer experience. It also examining an impact of customer engagement on customer loyalty within the omnichannel context. Design/Methodology/Approach: A quantitative research design was employed using a structured online questionnaire distributed to consumers in Malaysia who had purchased from the same retail brand through both online and offline channels. Data were analysed using Smart PLS (Partial Least Squares) Structural Equation Modelling (PLS-SEM) to test the hypothesised relationships among omnichannel characteristics, individual characteristics, customer experience, customer engagement and customer loyalty. Research findings: The …

Ai-Scm Cmm: A Capability Maturity Model For Artificial Intelligence Integration In Supply Chain Management, Lordt Becklines, Omar F. El-Gayar, Patti Brooks, Insu Park

Annual Research Symposium

Artificial intelligence is increasingly deployed in supply chain management, yet many organizations struggle to align adoption efforts with process readiness, data quality, governance, and workforce capabilities, and they still lack validated supply chain specific roadmap for assessing readiness, sequencing investments, and reducing implementation risk. This study develops and evaluates a Capability Maturity Model for Artificial Intelligence Integration in Supply Chain Management to address that gap. Using a design science research approach, the study synthesizes prior literature and practitioner knowledge to define maturity dimensions, capability indicators, and staged progression levels for AI integration in supply chain contexts. The artifact and assessment …

Evaluating The Impact Of Ai And Blockchain For Supply Chain Risk Mitigation: A Predictive Analytics Approach, Sai Neelima Seru, David Zeng

Annual Research Symposium

The increasing adoption of artificial intelligence (AI) in supply chain operations is transforming how organizations detect, govern, and respond to risk, raising important questions regarding digital trust, accountability, and transparency. AI models enable predictive risk assessment using large-scale logistics data. However, their outputs are often difficult to audit or independently verify. In contrast, blockchain technology provides immutable and tamper-evident records but lacks predictive capabilities. This study empirically evaluates an integrated AI-Blockchain environment using a real-world e-commerce logistics dataset (Olist Brazilian dataset, September 2016-October 2018). The analysis compares AI-only, blockchain-only, and integrated configurations across both predictive and governance dimensions. Results indicate …

Enhancing Cyber Hygiene Among Communities Through Experiential Cyber-Security Awareness Programs, Dr Atul Bamrara, Partha Roy, Vishwanath Gargote, Khandu Thungon

Journal of Cybersecurity Education, Research and Practice

Human error remains the most frequently exploited vulnerability in the cyber-security ecosystem. Despite substantial investments in technical safeguards, cybercriminals increasingly rely on social engineering, misinformation, and emotionally manipulative tactics to compromise users. This study examines behavioral changes among participants who underwent structured cyber-security workshops addressing both conventional cyber hygiene practices and emerging digital threats. The training modules covered digital arrest scams, identity theft, sextortion, fake technical support fraud, fake social media profiles, online gaming related risks, and deep fake manipulation. The workshops were designed using interactive simulations, real world case studies, and hands on problem based exercises, with the explicit …

Educating For Responsible Ai Governance - Building Interdisciplinary Frameworks For The Management Of Artificial Intelligence, Grace Eboh

Southwestern Business Administration Journal

As Artificial Intelligence (AI) becomes increasingly prevalent across industries, there is a critical need for educational programs that teach effective AI governance and management. This article examines how educational institutions can develop comprehensive curricula to prepare professionals for the complex challenges of overseeing AI systems responsibly. It analyzes current gaps in AI governance education, proposes frameworks for curriculum design, and identifies key competencies required for effective AI stewardship. The findings suggest that successful AI governance education must adopt an interdisciplinary approach that integrates technical literacy, policy understanding, ethical reasoning, and organizational management.

Governing Bme Amplification In Large Language Models: A Standards-Aligned Framework For Llm Data Lifecycle Risk Detection And Ethical Ai Governance, Dale A. Rutherford

Theses and Dissertations

Large Language Models (LLMs) now underpin critical systems in education, healthcare, and policy advisory contexts, yet remain susceptible to the recursive amplification of bias, misinformation, and error (BME). These distortions, driven by feedback loops between user interactions, model retraining, and data reuse, accelerate epistemic drift and erode information quality over time. This dissertation advances a comprehensive governance architecture to detect, quantify, and mitigate these risks across the full AI lifecycle. The research introduces the BME Metric Suite, a standards-aligned diagnostic framework comprising five original metrics: Bias Amplification Rate (BAR), Echo Chamber Propagation Index (ECPI), Information Quality Decay (IQD), Pretraining Diversity …

Analysis Of Student Satisfaction With The Ppg Student Registration Process At Universitas Negeri Malang Using The Servqual And Delone & Mclean Models, Dedi Prestiadi, Darmawan Satyananda, Dedi Tiarno

Jurnal Pendidikan: Teori, Penelitian, dan Pengembangan

This study aims to analyze student satisfaction levels with the Teacher Professional Education (PPG) registration system at Universitas Negeri Malang using an integration of the SERVQUAL and DeLone & McLean models, as well as to develop a strategy for Continuous Quality Improvement (CQI) using Plan-Do-Check-Act (PDCA) cycle. This study uses a descriptive quantitative approach with 10,701 student respondents from three registration stages (BGT 1, Kemenag, and BGT 2). The data collection instrument is a 1–5 Likert questionnaire covering three main aspects: requirements, process, and registration application. Data analysis was conducted through validity and reliability tests, multiple linear regression, and Principal …

The Future Of Human Resources: Opportunities And Challenges Of Ai Integration, Julianna Cutcher

The Downtown Review: An Interdisciplinary Journal Written and Peer-Reviewed by Mandel Honors College Students at Cleveland State University

Artificial intelligence (AI) has rapidly evolved, revolutionizing technological operations and reshaping business processes for greater speed and efficiency. In human resources (HR), AI offers transformative potential across key functions such as recruitment, compensation, employee management, and decision-making. It can enhance employee experience, engagement, and satisfaction while improving accuracy, saving time, and reducing costs. Despite these benefits, integrating AI into HR presents challenges, including privacy concerns, algorithmic bias, ethical dilemmas, limited technical capabilities, and resistance to change. Addressing these barriers requires a human-centric approach that thoughtfully incorporates AI into HR practices, ensuring ethical use and fostering trust among stakeholders.

Influence Of Digital Out-Of-Home Advertising On Intention To Purchase Green Products, Michael Humbani

The African Journal of Information Systems

This study investigates the impact of digital outdoor (out-of-home) advertising on environmental product knowledge and environmental concerns, aiming to promote green purchase intentions. The investigation is grounded in the Stimulus-Organism-Response model. Data were collected through a self-administered online questionnaire completed by 274 adult consumers. Using structural equation modelling, the findings indicate that informativeness, credibility and incentives have a positive effect on environmental product knowledge. Of these, only informativeness and credibility were significant predictors of environmental concern. Furthermore, environmental product knowledge was found to significantly influence green purchase intention, but environmental concern had no significant influence. From a theoretical perspective, this …

Simulating Cyber-Resilience: The Strategic Role Of The Locked Shields Exercise In Enhancing International Cyber Preparedness, Christopher A. Ramezan, Ludwig Christian Schaupp, Elizabeth A. Vitullo, William J. Walker

Journal of Cybersecurity Education, Research and Practice

As cyberthreats to critical infrastructure remain prevalent, national response mechanisms must evolve beyond the technical domain to incorporate legal, communicative, strategic, and cross-sector coordination. This work explores Locked Shields, an annual exercise conducted by NATO's Cooperative Cyber Defence Centre of Excellence, as a pedagogical and conceptual framework for simulating whole-of-government responses to cyber incidents. Unlike traditional cyber exercises, Locked Shields engages legal advisors, media strategists, and civil-military roles in realistic, scenario-driven simulations that portray the political and operational conditions of a real international-scale cyber crisis. We detail the exercise architecture, contrast with other cyber exercises, and assess its pedagogical and …

A Capability Maturity Model For Artificial Intelligence Integration In Supply Chain Management, Lordt Becklines

Dissertations

Artificial Intelligence (AI) is transforming Supply Chain Management (SCM), yet many organizations struggle to assess their readiness for AI adoption and to understand how AI capabilities develop across maturity stages. This dissertation addresses this gap by developing a Capability Maturity Model (CMM) for AI integration in SCM, grounded in Organizational Information Processing Theory (OIPT), the Resource-Based View, and related capability frameworks. The model provides a structured approach for evaluating an organization's information-processing requirements, resource configurations, and alignment needed for effective AI-enabled supply chain operations.

Using a design science research approach, the AI-SCM CMM and its associated assessment instrument were derived …

Transformation From Sap Ecc To Sap S/4hana Finance Erp In The Usa: Investigating Human-Centric Challenges And Strategic Benefits, Muhammad Kamran Mirza Mr.

Harrisburg University Dissertations and Theses

This study examines the human-centric challenges and organizational strategic benefits associated with migrating from SAP ECC to SAP S/4HANA Finance in U.S.-based organizations. The motivation behind this ERP transformation is that the company aims to automate its business processes and achieve operational efficiency. The success of ERP migration is shaped by user experience. Human barriers such as cognitive load, burnout and reluctance to change, insufficient user training, and work stress can threaten the success of ERP migration. This study aims to examine human-centric issues and organizational dynamics to propose effective ERP migration strategies that can help future ERP migrations and …

Assessing Public-Sector Readiness For Artificial Intelligence In Egypt, Renad Ahmed Anwar

Theses and Dissertations

Artificial intelligence (AI) is increasingly adopted in public-sector contexts, yet successful implementation depends on organizational readiness, particularly in developing countries. This study assesses the readiness of Egypt’s public sector for AI adoption using a qualitative expert opinion methodology. Semi-structured interviews were conducted with senior professionals from global technology firms with extensive experience working with public-sector entities in Egypt.

Guided by by an integrated framework combining organizational readiness theory, the Technology–Organization–Environment (TOE) framework, and public value and governance perspectives, the study examines strategic, organizational, human, technological, societal, and governance dimensions of AI readiness. The findings indicate that while Egypt demonstrates strong …

Exploring Protective Behaviours Among Users Of Mobile Financial Services, Nicholas Washington Omollo, Manoj Maharaj

The African Journal of Information Systems

As digital financial services grow, users face rising risks of financial loss through mobile platforms, often due to limited awareness of protective behaviours. This study surveyed 1,159 mobile financial service (MFS) users in Kenya to examine attitudes, concerns, security adoption, and actual practices. A behavioural model was developed by integrating information security and privacy literature with the Theory of Planned Behaviour, and tested using structural equation modeling via smart-PLS. Findings reveal that prior financial loss significantly heightens security and privacy concerns, influencing attitudes toward mobile protection and intentions to adopt secure practices. Loss experiences also increase user vigilance and perceived …

Cybersecurity In Higher Education Institutions: Awareness, Policy, And Experience On Employee Behaviour, Abdullahi Abiodun Yusuf, Adriana A. Steyn

Journal of Cybersecurity Education, Research and Practice

The digital transformation of higher education institutions (HEIs) has introduced unprecedented connectivity and operational efficiency, but it has also heightened their exposure to cyber threats. South African HEIs, in particular, face increasing vulnerability due to their reliance on technology, openness, and diverse user communities. This study examines the influence of the institutional cybersecurity environment on employee cybersecurity-compliant behaviour (CCB), emphasising the critical roles of awareness, policy engagement, and experience. Drawing on Protection Motivation Theory and the Theory of Planned Behaviour, a conceptual model was developed to explore how cybersecurity awareness, policy familiarity, and prior experience shape employees’ attitudes, subjective norms, …

Project Risk Management In Ai-Enabled Systems: Managing Ethical, Privacy, And Governance Risks, Onome Cynthia Anakanire

Harrisburg University Dissertations and Theses

This research examined how Artificial intelligence (AI) has been embedded in project-based work, particularly in finance and software industries, where it enables efficiency and assists in complex decision-making. However, these innovations introduce significant ethical, privacy, and governance risks that traditional project risk management frameworks fail to adequately address. This study investigated how project managers can systematically integrate the management of these emerging risks into AI-enabled projects. Using a qualitative research design, the study drew on semi-structured interviews with project managers, compliance officers, and AI developers in finance, software and related sectors. Supplementary data included internal project documentation and risk registers. …

State Information Technology Agency (Sita) And The Paradox Of Centralized Ict Procurement: Reform Or Redundancy In South Africa’S Public Sector, Ashley Latchu, Shawren Singh

The African Journal of Information Systems

Centralized ICT procurement is promoted as a means to improve efficiency and accountability, yet it often generates rigidity and frustration in developing-country contexts. This study investigates this paradox using South Africa’s State Information Technology Agency as an example affected by the broader challenges of digital governance in the Global South. Using an interpretivist, abductive approach, 55 semi-structured interviews with Government Information Technology Officers were analyzed thematically. Four patterns emerged: bureaucratic inefficiency, misalignment with departmental needs, workaround behavior and declining institutional legitimacy. These themes informed a Governance-Implementation Feedback Model explaining how control-oriented procurement systems produce institutional erosion and adaptive resistance. The …

Cyber Science Education Meets Healthcare Technology, Angela Spencer

Journal of Cybersecurity Education, Research and Practice

The research investigates how cyber science education combines with healthcare technology during the digital age to resolve a fundamental research gap in these two advancing areas. A combined approach utilizing extensive surveys and detailed interviews evaluates the functionality of learning platforms as well as cybersecurity measures and potential uses of emerging virtual reality (VR) and augmented reality (AR) tools to improve both educational and clinical environments. The research document describes its methodologies thoroughly while. The research documents multiple quantitative and qualitative results before performing its analysis, which leads to strategy development for digit. The researchers worked to find ways that …

Warehouse Operational Administration In The Context Of Increasing The Effectiveness And Efficiency Of The Audio Business Unit Warehouse Of Pt Xyz, Annisa Dwi Novianti, Mohammad Ridha

Jurnal Vokasi Indonesia

                                                      ABSTRACT

This study analyzes the critical role of warehouse operational administration as a determinant of effectiveness and efficiency within the supply chain, focusing on the Audio Business Unit of PT XYZ. It posits that robust administrative processes are fundamental to optimizing warehouse performance, which in turn supports broader business unit objectives. Using a qualitative case study approach, this research conducted an in-depth investigation from September 1^st to October 31^st, 2025, employing data triangulation through direct observation, semi-structured interviews, and documents analysis. The findings confirm that the established operational administration system significantly contributes to enhancing warehouse effectiveness measured …

Securing U.S. Leadership In Agentic Ai Literacy And Adoption: U.S. Vs Chinese Government Policies And Initiatives, Satyadhar Joshi

Harrisburg University Other Works

This paper conducts a comparative analysis of U.S. and Chinese frameworks for AI literacy and adoption, with focus on agentic AI and Artificial General Intelligence (AGI) systems capable of autonomous reasoning and execution. We examine national policies, educational integration, governance structures, and technological roadmaps, employing both qualitative review and quantitative modeling. Mathematical formulations include multi-dimensional literacy scoring, Bass diffusion models for adoption dynamics, risk assessment functions, regulatory effectiveness indices, competitiveness metrics, and optimization frameworks for resource allocation. Our analysis reveals divergent paradigms: the U.S. Favors decentralized, innovation-driven approaches with emphasis on interoperability and public-private collaboration; while China pursues centralized, state-led …

The Soft Target Curriculum: Using Nigeria's 2026 Cascading Breaches To Teach Foundational Cybersecurity Failures, Chinedum Amaechi, Doris Asogwa, Samuel Alade

Journal of Cybersecurity Education, Research and Practice

SourceURL:file:///home/amaechi/Documents/ *Journal of Cybersecurity Education, Research and Practice (JCERP)*. **Title:** The Soft Target Curriculum: Using Nigeria's 2026 Cascading Breaches to Teach Foundational Cybersecurity Failures.docx

Background: Between March and April 2026, a single threat actor allegedly compromised four Nigerian institutions across banking, payment infrastructure, government registry, and power distribution sectors. The breaches exposed millions of records and disrupted critical services, yet all four exploited elementary vulnerabilities taught in introductory cybersecurity courses. Objective: This pedagogical case study analyzes the four breaches as a unified phenomenon of "normalized negligence" and provides ready-to-use teaching materials for cybersecurity educators. Methods: Using open-source intelligence analysis of …

E-Payment Systems Use: The Role Of Cybersecurity Risk And The Moderating Effect Of Risk Propensity And Technology Readiness, Abdou Illia, Hyunsun Kim-Hahm, Thomas Ngniatedema, Mahaman Sani Yakoubou

Journal of International Technology and Information Management

Advances in digitalization have accelerated consumer migrations away from traditional cash- and check-based payment systems towards electronic payment systems worldwide. Yet, many people still remain resistant. This study examined the role of motivational and inhibiting factors and their interaction effects on the use of e-payment systems. The findings suggest that perceived cybersecurity risk, risk propensity, trust in the companies offering the e-payment services, and technology readiness have a significant direct impact on the use of e-payment systems. The findings also suggest that risk propensity and technology readiness have a tempering effect on the negative impact of perceived risk. The study …

Business Process Redesign For Reducing Undelivered Product Return Losses In E-Commerce – An Explainable Ai Approach, Venkataraghavan Krishnaswamy, Deepa R, Himanshu Sharma

Journal of International Technology and Information Management

Product returns in e-commerce affect the profitability of the e-tailer. We adopt a two-stage approach to reduce undelivered product returns in an e-commerce firm. First, we develop and compare machine learning techniques—logistic regression, decision trees, Naïve Bayes, random forest, adaptive boosting, gradient boosting, stochastic gradient boosting, and deep neural networks—on their ability to predict undelivered returns. Next, we use explainable methods, such as relative importance and Shapley values, to develop insights from the best-performing machine learning model. Finally, we use these insights and the predictive model to redesign the firm’s order fulfillment and return processes. A Post-implementation evaluation of the …

Bridging Mission And Execution: Integrating Participatory Design In Early-Phase Mission Engineering For Stakeholder Alignment And Mission Clarity, Rafi Soule

Knowledge and Creativity Expo

This research examines mission framing during the early phase of Mission Engineering. Stakeholder interpretations diverge under ambiguity. Interoperability constraints are often not surfaced early. These conditions reduce mission clarity and weaken mission-to-system mapping readiness. The study integrates a participatory design-inspired, artifact-first workflow with RAG-enabled retrieval from a closed corpus to support evidence-grounded reasoning and traceable citations.

Phase 1 uses an online survey to establish baseline patterns in practice (N = 86). Shared understanding is positively associated with mission clarity (r = 0.60, p < 0.001). Phase 2 uses a time-bounded comparative workshop with two conditions. Expert reviewers rate mission statement quality higher for the participatory design condition (mean 3.5) than the traditional condition (mean 2.8). Technical feasibility ratings are similar across conditions. Phase 3 demonstrates RAG-enabled, closed-corpus, retrieval-supported traceability using the Referencer tool. It is reported as a proof-of-concept for evidence-grounded rationale and auditability, and as a pathway …

Design Principles For Customer-Engaging Digital Service Systems: An Action Research Study, Keng Leng Siau, Xiaofeng Chen, Xin Tan

Research Collection School Of Computing and Information Systems

Digital services represent a business approach employed by organizations to operate in the digital environment. However, systematic development guidelines for developing quality digital service systems are lacking in the literature. The authors identified four general challenges for developing and implementing customer-engaging digital service systems (CEDSS). By employing the method of canonical action research in a digital service system project, they derived 10 design principles for developing high-quality CEDSS. They empirically evaluated the design principles in the development project and through follow-up focus group sessions. The design principles provide applicable and actionable guidelines for the development of CEDSS.