• The Journal of Asian Finance, Economics and Business
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• v.8 no.10
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• pp.341-352
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• 2021

Research on SMEs highlights their limited resources and the influential role of SMEs' owners/managers. In this respect, scholars stressed the importance of different capabilities possessed by owners/managers of SMEs in developing a competitive position and enhancing firm performance. This study intended to examine the direct influence of two fundamental capabilities: financial literacy and networking competency possessed by owners/managers of SMEs in China and the United Arab Emirate (UAE) on SMEs' financial performance. In addition, this research tested the moderating impact of market orientation. The quantitative research method was employed by administering structured questionnaires. A total of 150 and 120 questionnaires were collected from owners/managers of SMEs in China and UAE. Structural equation modeling was used for data analysis using Smart-Pls. Findings revealed that SMEs' financial performance was positively related to maintaining financial literacy and networking competency in both samples. Further, market orientation was found to strengthen the positive impact of financial literacy and networking competency on SMEs' financial performance in China. However, market orientation had a significant moderating impact only on the relationship between networking and the financial performance of SMEs in the UAE. This paper ends with providing a set of concluding remarks, recommendations, and potential areas of further research.

• The Journal of Information Systems
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• v.32 no.4
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• pp.189-210
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• 2023

Purpose This study aims to investigate factors that positively influence the continuous Artificial Intelligence(AI) Learning Continuity of business major students. Design/methodology/approach To evaluate the impact of AI education, a survey was conducted among 119 business-related majors who completed a software/AI course. Frequency analysis was employed to examine the general characteristics of the sample. Furthermore, factor analysis using Varimax rotation was conducted to validate the derived variables from the survey items, and Cronbach's α coefficient was used to measure the reliability of the variables. Findings Positive correlations were observed between business major students' AI Learning Continuity and their AI Interest, AI Awareness, and Data Analysis Capability related to their majors. Additionally, the study identified that AI Project Awareness and AI Literacy Capability play pivotal roles as mediators in fostering AI Learning Continuity. Students who acquired problem-solving skills and related technologies through AI Projects Awareness showed increased motivation for AI Learning Continuity. Lastly, AI Self-Efficacy significantly influences students' AI Learning Continuity.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.18 no.5
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• pp.175-183
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• 2023

This study examined the effect of college students' financial literacy and financial management behavior on entrepreneurial awareness and the mediating effect of entrepreneurship. To this end, a survey was conducted targeting university students in Busan and Gyeongnam area, A total of 207 responses were verified using SPSS 28.0 as a sample. As a result of the study, it was confirmed that financial literacy and financial management behavior had a positive effect on entrepreneurship and entrepreneurial awareness. Entrepreneurship was found to have a positive mediating effect between financial literacy and entrepreneurial awareness, financial management behavior and entrepreneurial awareness. As financial literacy improves, it leads to desirable financial management behavior, increases the potential to make more financially knowledgeable and responsible economic decisions, and increases the will to achieve future financial goals. The results of this study suggest that financial literacy and entrepreneurship education are very important during college education in order for potential entrepreneurs to recognize and promote entrepreneurship.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.12
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• pp.355-363
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• 2020

This study aims to investigate whether financial attitude links financial literacy to financial capability. To make sound financial decisions, one essentially requires a certain level of financial literacy - knowledge and skill in finance. Even more effective is when one's financial literacy could be developed into financial capability. The samples comprised 342 individuals from informal labor in the South of Thailand. The stratified multistage sampling technique was utilized to select the respondents, while the interview questionnaires were used to collect the data. By using SmartPLS 3.0, the data analysis included descriptive statistics and structural equation modeling (SEM). The result revealed that the one with the highest debt was Gen Y compared to Gen B and Gen X. Considering financial literacy, financial attitude, and financial capacity across generations, it was found that Gen Y had the highest average score in financial literacy and financial capacity, higher than that of Gen X and Gen B. The impact of financial literacy on financial capability through financial attitude, it was found that the impact on Gen B was higher than that of Gen X and Gen Y. With the right financial attitude, people of all generations would be equipped with a higher level of financial capability.

• Journal of Distribution Science
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• v.21 no.9
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• pp.43-53
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• 2023

Purpose: This study aims to examine the demographic similarities and differences in objectives, methodology, and findings of previous studies in the context of gaining financial literacy using videos. This study employs a systematic review design. Research design, data and methodology: Based on the content analysis method, 15 articles were chosen from Scopus and Science Direct during 2015-2020. After formulating the research questions, the paper identification process, screening, eligibility, and quality appraisal are discussed in the methodology. The keywords for the advanced search included "Financial literacy," "Financial Education," and "Video". Results: The results of this study indicate the effectiveness of learning financial literacy using videos. Significant results were obtained when students interacted with the video content distribution. The findings of this study provide an overview and lead to a better understanding of the use of video in financial literacy. Conclusions: This study is important as a guide for educators in future research and practice planning. A systematic review on this topic is the research gap. Video learning was active learning that involved student-centered activities that help students engage with financial literacy. By conducting a systematic review, researchers and readers may also understand how extending an individual's financial literacy may change after financial education.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.16 no.6
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• pp.1935-1952
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• 2022

Consumer innovativeness plays a vital role in explaining consumer dynamics, such as adoption, usage, and behavioral intention, in the new world of disruptive online media. This empirical study aimed to examine the importance of consumer innovativeness and digital literacy in the adoption and expansion of new technology-based media services, focusing on OTT services. Extending the theory of adoption of new technologies by innovators to new media environment centered on OTT services, it examines the influence of the four dimensions of motivated consumer innovativeness on OTT service usage. The Korea Media Panel Data of 2019, where overall ICT usage and media consumption of a broad panel of respondents was collected, was used for the analysis. From the data of 10,864 respondents, 4,031 (37.1%) were found to have experience in using OTT services. To clarify the mediating effect of digital literacy on the correlations between cognitive innovativeness of consumers and their use of OTT services, Process Macro Model 4 was used. The bootstrap method was applied to reveal that all four dimensions of consumer innovativeness have a significant indirect effect on new media usage through digital literacy, thus indicating how digital literacy plays an important role in the spread of new digital services in addition to consumer innovativeness. The findings are important in that they can help in the efforts to introduce new technologies to the public and educate them to improve their digital literacy so that they can enjoy the complete experience of using these new digital products.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.9
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• pp.673-685
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• 2020

Financial literacy is one of the sustainable development goals of huge concern of governments. Governments explore solutions addressing policies to improve financial literacy. Nevertheless, financial management has such a broad scope and is not just limited to knowledge. As human nature, individuals are born with different confidence levels that include various financial abilities. This study aims to investigate the household-financial efficacy through the application of psychometric instruments, risk preference, and demographic characteristics toward consumption decision behavior. The research is based on a survey 479 households in the peninsular Malaysia, and utilizes the structural equation model, cluster proportional and systematic random sampling, and two measurements - composite reliability and average variance extracted. Results show that households' financial efficacy is one of the critical factors that explain the households' consumption decision behavior. Also, risk preference, gender and area location (rural or urban) of the household determined the consumption decision behavior of the household. The effectiveness of consumption decision is not only determined by financial literacy, but also financial efficacy. The implications of this paper may help to design policies in narrowing the broad gap between the rural and urban level of financial efficacy. The government needs to take appropriate actions to fix it.

• The Journal of the Korea institute of electronic communication sciences
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• v.13 no.1
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• pp.113-118
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• 2018

In this research, we conducted a questionnaire using the existing developed digital literacy checklist for analyzing the digital literacy level of Reserve Officers' Training Corps in K-University. In order to verify the validity and reliability of the measurement results collected on the basis of the response results, factor analysis of the question was carried out using the statistical analysis program SPSS 21.0, for each research group, the ability level by each factor was analyzed. Based on the results of analysis using frequency analysis, T-test and One-way ANOVA, we suggested measures to improve digital literacy level of school district officer candidates.

• Journal of Korean Institute of Industrial Engineers
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• v.28 no.4
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• pp.397-406
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• 2002

A study was conducted to develop Internet Literacy Questionnaire(ILQ) to investigate the levels of user's knowledge on Internet literacy. ILQ was found to be reliable (showed an internal consistency) with Cronbach's alpha of 0.93(p-value<0.001) and valid with test-retest correlation of 0.90 (p-value<0.001). ILQ, composed of 21 questions, was developed to test four areas of user's Internet literacy: general experience on Internet, advanced experience on Internet, knowledge on Internet program languages, and Internet application software programs. These four factors represented 69.2% of the knowledge of all areas of Internet literacy. As a result, ILQ could be used to differentiate the levels of user's Internet knowledge as beginners, intermediates, and experts before any Internet application programs are to be developed.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.2
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• pp.1169-1179
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• 2021

This research aims to develop the instrument of feasible and reliable digital-age literacy to be used in the learning process. This needs to be done due to a different region, tribe, and gender involved in this research. The digital-age literacy developed in this research consisting of 8 constructs, including 1) basic literacy, 2) scientific skill, 3) economy skill, 4) information skill, 5) technology skill, 6) visual skill, 7) various cultures skill, and 8) global awareness. As many as 650 respondents were chosen through stratified and random sampling in this survey. Those respondents were students at Universitas Terbuka based on gender and Ethnicity comparison. To see the internal consistency, the data were then analyzed using SPSS 23.00 version for Windows. It was obtained that all questionnaire constructs were valid and reliable, proven by obtaining a high mean reliability value of Cronbach Alpha (0.816 > 0.6), in which each item had a high value (0.778-0.841). Therefore, the number obtained the results proved that this research had produced a quality instrument that can be used to evaluate the students' mastery of the digital-age literacy of the learning process in Universitas Terbukain Asia, especially in Indonesia.