• Human Ecology Research
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• v.62 no.3
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• pp.517-530
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• 2024

This study aims to develop and validate a home economics education program focused on the consumer life area to enhance artificial intelligence (AI) literacy. To achieve this objective, a 10-session AI-consumer life integration education program was developed by analyzing literature on AI Literacy, AI curriculum, consumer education, and the home economics curriculum for the middle school consumer life area. The program's validity was assessed by nine teachers using a four-point Likert scale. The average scores for each item and the content validity index (CVI) were calculated. Based on expert feedback, the program was revised and improved accordingly. The expert validity assessment of the lesson plans, teaching materials and learning resources resulted in an average score of 3.78 for all items and an average CVI of 0.96. For the overall program, the expert validity assessment yielded an average score of 3.72 for all items and an average CVI of 0.97. Since the content validity index for all questions was above 0.78, the program demonstrated high validity across achievement standards integration, learning objectives, content and teaching methods, motivation, and volume areas. This confirms its effectiveness as an educational program for enhancing AI literacy. This study is significant in terms of defining and identifying the components of AI literacy, developing an AI-integrated program encompassing the entire consumer life area and confirming the suitability of the home economics curriculum for enhancing digital consumer competencies and promoting sustainable consumption. Additionally, it highlights the potential to integrate AI into the home economics and consumer life area.

• Journal of Distribution Science
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• v.17 no.3
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• pp.41-47
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• 2019

Purpose - Based on the analysis of Kazakhstan's experience of digital transformation, this study suggests a concept for digital solution to optimize organizational process, create trust networking between the center of state scholarships programs and recipients. In addition, the authors contribute to the current discussions of an effective digital transformation of state services. Research design, data, and methodology - Policy analysis is based on the combination of both primary and secondary materials collected during a Policy Research Project conducted in Kazakhstan in 2017. It involved semi-structured interviews with the state scholarship' recipients, ICT experts and findings from academic articles. Results - Findings are represented via Policy Development Matrix - a table with three options (status quo, partial change, total change) to deal with policy challenges. Authors suggest a concept for digital solution following the Customer Relationship Management (CRM) principles for optimizing core business processes, communication and networking strategies of the state scholarships program. Conclusions - At the time when digitalization becomes trending for states, the transformation of the state education policy is inevitable. The rapid development of digital technologies creates new opportunities for a single integration platform with key principles of Smart Remote Management in the state scholarships programs.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.10
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• pp.77-85
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• 2021

This study aims to investigate the status quo and identify the challenges and benefits of the digital transformation in the context of small and medium-sized enterprises (SMEs) in Vietnam. The six participating SMEs were purposely contacted, and they were either nominated for, or received the Vietnam Digital Awards in 2018, 2019 and 2020, which were held by the Vietnam Digital Communication Association (http://en.vdca.org.vn/). A qualitative research method is adopted, using a semi-structured interview method and a theoretical triangulation of legitimacy, stakeholder and stewardship theories to facilitate the investigation. This research tries to identify the current challenges and benefits for digital transformation of SMEs in Vietnam, based on perception and experience from business leaders and managers from six SMEs in Vietnam. The findings of this study reveal that besides the recent challenges for digital transformation, participants also experienced and shared their perspectives regarding the benefits received from the digital transformation journey of their organization, which varied from (i) improve operational as well as business functions; (ii) liberate staffs and managers from daily work and allows them to focus on decision-making tasks; (iii) enable solutions to deal with consequences from the COVID-19 pandemic; (iv) enhance value creation process; and (v) help firms to align with the global business standards.

• Journal of Families and Better Life
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• v.29 no.4
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• pp.61-74
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• 2011

The purpose of this study was to target digital generation consumers and determine potential effects of their demographic characteristics and variables concerning digital consumer information upon their characteristics in purchasing clothing. This study has its implications in the sense that it determines digital generation's awareness and reception of digital consumer information and their utilization of digital consumer information source, so that it can help understand digital generation consumers' behaviors of information search and the phenomena of digital market in this age of knowledge and information, and can ultimately provide reference data useful for guidance in favorable consumer life as well as consumer education based on digital devices. The results of this study can be summed up as follows: It is found that digital generation consumers reached higher level in the awareness of digital consumer information. The reception of digital consumer information and the utilization of digital consumer information source are found as middle level. Based on these results, this study can give the following suggestions for consumer education: Lately, digital devices have been widely popularized into larger number of users, so that we have more chances to buy desired products on the web or mobile device. In particular, the rate of clothing purchase on the web tends to increase year by year. However, our digital consumers still lack in their ability to utilize digital consumer information in terms of quantitatively increasing purchase of products on the basis of digital consumer information. Thus, it is necessary to provide consumers with a formulated education in their information search and shopping using digital devices, so that they will have better ability to use digital consumer information in the future.

• International Journal of Computer Science & Network Security
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• v.22 no.4
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• pp.67-72
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• 2022

The main purpose of the study is to analyze the main aspects of state regulation of the banking business in the context of social and digital transformation. One of the key elements of the functioning of the economy of any country are banks that ensure the redistribution of financial resources and stimulate economic growth. However, the banking sector, like other activities, is dynamic and depends on the pace of development and forms of technological progress that affect the forms and types of information and digital technologies, as well as the globalization and remoteness of banking services. Accordingly, the need for effective implementation of the latest technologies becomes relevant, which will not only help increase consumer satisfaction with the banking product, but also ensure the development of the country's financial sector. As a result of the study, trends in the development of state regulation of the banking sector in the digital economy were identified.

• STI Policy Review
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• v.9 no.1
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• pp.133-157
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• 2018

The divide between the "digital" economy and the traditional "physical" economy is outdated. In fact, we are in a transition to a singular economy. This paper classifies economic objects (including actors) as either physical or virtual and argues that due to emerging technologies, these objects are interacting with each other in both physical and increasingly digital spheres in tandem. This paper recognizes the elemental difference between atoms and bytes but argues that physical and digital economic activities are becoming inseparably intertwined. Furthermore, arbitrarily dividing the economy into two categories - one "physical" and the other "digital" - distorts the overall view of the actual execution of economic activity. A wide range of innovations emerging concurrently is fueling the transition to a singular economy. Often referred to as the elements of the Fourth Industrial Revolution (4IR), four emerging technological areas are reviewed here: distributed ledger technology, artificial intelligence/machine learning/data sciences, biometrics and remote sensor technologies, and access infrastructure (universal internet access/electricity/cloud computing). The financial services sector is presented as a case study for the potential impact of these 4IR technologies and the blurring physical/digital line. To reach the potential of these innovations and a truly singular economy, it requires the concurrent development of social, organizational, and regulatory innovations, though they lag in terms of technological progress thus far.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.4
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• pp.43-54
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• 2021

The study evaluates India's technological advancement, which has created a range of opportunities for consumers to enter into digital payment space. Demonetization in India has forced all consumers and companies to embrace and create cashless digital payment platforms. The cashless economy scenario involves various factors for its adoption such as reach, availability and awareness. This study considers factors responsible for adopting new digital payment technologies in India's different regions across various consumers. The study includes descriptive statistics and variance analysis (ANOVA) to identify elements to achieve maximum satisfaction. The research collects data from 250 respondents living in India, experiencing digital payments and online transactions. The data is collected through a structured questionnaire and critically analyzed using statistical analysis. The data has been analyzed with no sectorial biases and tracked by creating real-time indications. The study uses various hypotheses after taking responses from a sample of respondents. Cronbach's Alpha analysis is also used to determine the validity and reliability of the data. The study illustrates the complete shift of consumer behavior from cash to a cashless economy. A certain number of factors are shown to directly influence the rate of such a shift toward digital transactions in India.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.8
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• pp.387-397
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• 2021

The object of this article is to assess the factors affecting the behavioral intention of young retail customers to use digital banking services in Vietnam. In this article, multivariate data analysis techniques including Cronbach's Alpha, Exploratory factor analysis (EFA), Confirmatory factor analysis (CFA), Structure equation model (SEM), and Bootstrapping are used to analyze the data collected from 525 young respondents under the age of 35 who are using or having opportunities to experience digital banking services. The people taking part in the survey were mainly University students with incomes of most of them under VND 5 million. The result from the analysis illustrates that (1) perceived ease of use positively affects intention to use, (2) social influence positively impacts intention to use, and (3) customer support has a positive impact on the intention of young people to use digital banking services. While technology self-efficacy, convenience, and perceived security were found to have an impact on intention to use services in former studies, the influences of these factors on intention to use digital banking services are found insignificant in this research. From these results, the author provides implications for commercial banks to increase the intention to use digital banking of young people in Vietnam.

• Ocean and Polar Research
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• v.33 no.1
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• pp.77-83
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• 2011

In this study we examined the economic value of restoration technology for oil spill using contingent value methods. One and one half approach to questionnaires can be taken when analyzing tax payer situations as well as single bound approach. The results of the empirical analysis suggest three conclusions. First, the economic value of the restoration technology considered are estimated to be between 8,439 won to 11,867 won per month. Second, the WTP is estimated differently depending on the approaches, OOHB and SB, and the degrees of difference are very sensitive to the model specifications. This empirical result supports the argument for using interval for the economic value when using CVM. Third, the empirical results may provide useful input to policy authorities attempting to estimate the economic justification of the R&D investment for developing an ocean environmental restoration technology.

• Journal of Distribution Science
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• v.17 no.7
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• pp.15-25
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• 2019

Purpose - e-Commerce is now one of the alternatives in shopping. Ease of Use and convenience aspects are the main supporting reasons that e-commerce is a trend for most people today. This study examines the relationship between the theory of technology to consumer behavior in using e-commerce applications. Research design, data, and methodology - The number of samples in this study was 600 samples from four major e-commerce made in Indonesia. The research method of this study Structural Equation Model (SEM) with AMOS and SPSS applications as analysis tools. Results - The results of this study state that most hypotheses support prior research and grand theory. On the other hand, the components of technology acceptance theory are mostly able to moderate variable consumer behavior in the digital era. Conclusions - The combination of essential elements of technology theory are oriented to the fundamental aspects of human beings as social beings. The most important thing for the development of the e-commerce industry to develop and be sustainable is the obligation to increase consumer confidence. The combination of components of technology theory and CCT can be a comprehensive marketing strategy and innovation to competitive advantage in the future.