Search Results (34)

The introduction of mobile banking is essential in today’s financial sector, where technological innovation plays a critical role. To remain competitive in the current market, businesses must analyze client attitudes and perspectives, as these influence long-term demand and overall profitability. While previous studies have explored general adoption behaviors, limited research has examined how individual factors such as social influence, lifestyle compatibility, financial technology self-efficacy, and perceived usage cost affect mobile banking adoption among specific generational cohorts. This study addresses that gap by offering insights into these variables, contributing to the growing literature on mobile banking adoption, and presenting actionable recommendations for financial institutions targeting younger market segments. Using a structured questionnaire survey, data were collected from both users and non-users of mobile banking among the Gen Z population in the United States. The regression model significantly predicts mobile banking adoption, with an intercept of $-0.548$ ($p < 0.001$). Among the independent variables, perceived cost of usage has the strongest positive effect on adoption ($B=0.857$, $\beta =0.722$, $p < 0.001$), suggesting that adoption increases when mobile banking is perceived as more affordable. Social influence also has a significant positive impact ($B=0.642$, $\beta =0.643$, $p < 0.001$), indicating that peer influence is a central driver of adoption decisions. However, self-efficacy shows a significant negative relationship ($B=-0.343$, $\beta =-0.339$, $p < 0.001$), and lifestyle compatibility was found to be statistically insignificant ($p=0.615$). These findings suggest that reducing perceived costs, through lower fees, data bundling, or clearer communication about affordability, can directly enhance adoption among Gen Z consumers. Furthermore, leveraging peer influence via referral rewards, Partnerships with influencers, and in-app social features can increase user adoption. Since digital self-efficacy presents a barrier for some, banks should prioritize simplifying user interfaces and offering guided assistance, such as tutorials or chat-based support. Future research may employ longitudinal designs or analyze real-life transaction data for a more objective understanding of behavior. Additional variables like trust, perceived risk, and regulatory policies, not included in this study, should be integrated into future models to offer a more comprehensive analysis. Full article

This study addresses a critical gap in understanding how mobile banking applications contribute to sustainable development by introducing a novel text mining framework to analyze sustainability dimensions through user-generated content. We analyzed 120,000 reviews from six major Turkish mobile banking applications using an ownership-sensitive analytical approach that integrates structural topic modeling with four sustainability dimensions (environmental, social, governance, and economic). Our analysis reveals significant institutional differences in sustainability approaches: government-owned banks demonstrate substantially stronger overall sustainability orientation (23.43% vs. 11.83% coverage) with pronounced emphasis on social sustainability (+181.7% growth) and economic development (+104.2% growth), while private banks prioritize innovation-focused sustainability. The temporal analysis (2022–2025) shows accelerating sustainability emphasis across all institutions, with distinct evolution patterns by ownership type. Institution-specific sustainability profiles emerge clearly, with each government bank demonstrating distinctive focus areas aligned with historical missions: cultural heritage preservation, agricultural sector support, and small business development. Mapping to Sustainable Development Goals reveals that government banks prioritize development-focused goals (SDGs 1, 8, and 10), while private banks emphasize innovation-focused goals (SDGs 9 and 17). This research makes three key contributions: demonstrating user-generated content as an effective lens for authentic sustainability assessment, establishing ownership-sensitive evaluation frameworks for digital banking sustainability, and providing empirical evidence for contextualized rather than universal sustainability strategies. The findings offer strategic implications for financial institutions, policymakers, and app developers seeking to enhance sustainable digital banking transformation. Full article

Background/Objectives: Breast milk donation is increasingly recognized as a vital public health resource, providing optimal nutrition for infants who cannot be breastfed by their biological mothers. Human milk banks play a crucial role in supporting infant health, particularly for preterm and medically vulnerable infants. Despite its recognized benefits, the practice of breast milk donation and utilization remains influenced by a complex interplay of individual, social, and cultural factors. Methods: This study systematically examines how demographic and sociocultural variables are associated with attitudes and behaviors related to breast milk donation. Data were collected from 1223 Israeli mothers via questionnaires distributed through WhatsApp groups between April and May 2025. By analyzing the questionnaire results, the research identified key predictors of willingness to donate and use donated milk, as well as patterns of awareness and perceived support within different population groups. Results: Higher education (χ² = 12.87, p = 0.0016) and settlement type (χ² = 83.096, p = 0.000) were significantly associated with greater willingness to donate breast milk. Income level had no effect on donation behavior, though higher-income participants were more open to its use (χ² = 86.838, p = 0.000). Lifestyle also influenced perceptions of social support (F(2, 1220) = 259.4036, p < 0.001) and cultural support (F(2, 1220) = 601.2383, p < 0.001) of milk donation and use. Significant correlation was found between perceived cultural and social support (t = 5.140, p = 0.000), emphasizing their interrelated influence on milk donation attitudes. Conclusions: The findings assist in guiding the development of public health policies, as well as targeted awareness campaigns, to promote equitable access to donor milk services across varied communities. From the public health perspective, the findings of this study can orientate campaigns that encourage both donation and use of breast milk focusing on segments of the population in which the level of awareness is relatively low. Full article

The surge in digital transformation within financial technology has catalyzed the development of super-apps—comprehensive mobile applications designed to serve a multitude of a customer’s daily needs on a single platform. Despite their widespread use, there is a dearth of research regarding customer adoption in the banking industry. Employing the integrated Information Systems (IS) success model, this study delves into how the characteristics of mobile banking super-apps influence user adoption intentions, taking into account various levels of service integration, in South Korea. The results reveal that factors such as interactivity, service diversity, process completeness, and technological service innovation positively affect the perceived ease of use. However, only service diversity and process completeness significantly influence perceived usefulness. Furthermore, distinct relationships between constructs are observed among different user groups based on their preferred service integration levels. This research can help banks formulate app management strategies and identify the optimal levels of service integration for their mobile banking super-apps. Full article

This paper expands the extended unified theory of acceptance and use of technology (UTAUT2) to include four additional constructs (security, risk, institutional trust, and technology trust), providing a more comprehensive understanding of mobile banking applications (m-banking apps) adoption. It also highlights the significant role of demographic factors in moderating the impact of these constructs, offering practical insights for promoting the use of mobile devices to access and manage banking services. Data were collected using an online survey from 315 mobile banking users and analysed using covariance-based structural equation modelling (CB-SEM). Most constructs of the baseline UTAUT2 were validated in the m-banking context, with the additional constructs confirmed to affect user intention to adopt m-banking apps, except perceived risk. The model explained 79% of the variance in behavioural intention (BI), and 54.7% in use behaviour (UB), achieving higher fit than the baseline UTAUT2. Age, gender, experience, income, and education moderated the impact of perceived security and institutional trust on BI; age, education, and experience moderated technology trust on BI; and age, gender, and experience moderated perceived security on UB. The guarantee of enhanced security, advanced privacy mechanisms, and trust should be considered paramount in future strategies aimed at promoting m-banking app adoption and use. Overall, the paper advances scientific knowledge by providing a more nuanced and comprehensive framework for understanding m-banking app adoption, validating new constructs, and offering practical recommendations for promoting m-banking usage. Full article

The open-source structure and ease of development in the Android platform are exploited by attackers to develop malicious programs, greatly increasing malicious Android apps aimed at committing financial fraud. This study proposes a machine learning (ML) model based on static analysis to detect malware. We validated the significance of private datasets collected from Bank A, comprising 183,938,730 and 11,986 samples of benign and malicious apps, respectively. Undersampling was performed to adjust the proportion of benign applications in the training data because the data on benign and malicious apps were unbalanced. Moreover, 92 datasets were compiled through daily training to evaluate the proposed approach, with benign app data updated over 70 days (D-70 to D-1) and malware app data cumulatively aggregated to address the imbalance. Five ML algorithms were used to evaluate the proposed approach, and the optimal hyperparameter values for each algorithm were obtained using a grid search method. We then evaluated the models using common evaluation metrics, such as accuracy, precision, recall, F1-Score, etc. The LightGBM model was selected for its superior performance, achieving high accuracy and effectiveness. The optimal decision threshold for determining whether an application was malicious was 0.5. Following re-evaluation, the LightGBM model obtained accuracy and F1-Score values of 99.99% and 97.04%, respectively, highlighting the potential of using the proposed model for real-world financial fraud detection. Full article

The rise in internet-based services has raised risks of data exposure. The manipulation and exploitation of sensitive data significantly impact individuals’ resilience—the ability to protect and prepare against cyber incidents. Emerging technologies seek to enhance cybersecurity resilience by developing various security tools. This study aims to explore the adoption of security tools using a qualitative research approach. Twenty-two semi-structured interviews were conducted with users of mobile banking apps from Pakistan. Data were analyzed using thematic analysis, which revealed that biometric authentication and SMS alerts are commonly used. Limited use of multifactor authentication has been observed, mainly due to a lack of awareness or implementation knowledge. Passwords are still regarded as a trusted and secure mechanism. The findings indicate that the adoption of security tools is based on perceptions of usefulness, perceived trust, and perceived ease of use, while knowledge and awareness play a moderating role. This study also proposes a framework by extending TAM to include multiple security tools and introducing knowledge and awareness as a moderator influencing users’ perceptions. The findings inform practical implications for financial institutions, application developers, and policymakers to ensure standardized policy to include security tools in online financial platforms, thereby enhancing overall cybersecurity resilience. Full article

In this article, we propose a novel solution to address the current challenges related to charging an Electric Vehicle (EV). The Power on the Go: Single-drop and Double-drop problems allow an EV to be charged at a convenient location, where a service vehicle (drone), which is launched from a nearby charging station, can bring a compatible power bank at the request of the driver through an app. The objective is to reduce the cumulative wait time between service requests and the start of charging. We present mathematical formulations and two order-first split-second-based heuristic approaches for both problems. While the mathematical formulations can generate optimal solutions for small instances in a reasonable amount of time, the heuristics are fast and perform very well, with gaps < 5% for up to 20 node instances. Moreover, the formulations highlight the mean savings in wait time (29.37%) when the power bank can charge two EVs consecutively before a replacement is needed. The implications of the proposed model can be extensive, as we seek to overcome the availability and technological challenges of EV charging while advocating its adoption. Full article

The concept of open banking has emerged only recently within the fintech sector, and it is rapidly becoming popular in many regions across the world. Currently, there are very few studies on the relationship between customer experience and intention to use fintech apps, none of which focus on open banking. This relationship is significant for a number of reasons, one of which is the emerging importance of the connection between fintech and an environmentally sustainable economy. This paper seeks to add to our understanding of the factors that shape the customer experience and that determine loyalty levels toward open banking brands and apps. We propose a model in which a number (six) of affective and cognitive factors influence customer experience, which ultimately determines loyalty intention. The model is tested using data collected via a quantitative (survey) methodology involving open banking users in Saudi Arabia. The results show that customer experience is affected by all of the proposed factors (ease of use, perceived value, quality of support, reliability, perceived risk and ability to innovate). These factors, in turn, actively influence the level of customer loyalty. The study contributes to the current literature by identifying the various cognitive and affective determinants of customer experience, which therefore influences loyalty intention in open banking, and provides valuable insights into how both new and established brands should integrate customer experience into promotional and development strategies. Full article

Effective security support remains a challenge, even for mobile banking applications; this is leading to the loss of many customers due to limited protection of customer data and privacy. Cyber threats include everything from identity theft to malware threats and email and online fraud. Thus, businesses and individuals should use risk assessment methods and countermeasures to protect their m-banking apps. With this in mind, a new model using the Technology Acceptance Model (TAM) has been proposed. The model has been broken down into six main countermeasure categories, namely: perceived risk, perceived security, perceived trust, ease of use, usefulness and service quality. To test this model, structural equation modelling (SEM) was used. Our findings reveal that perceived security, perceived trust and service quality play key roles in improving the adoption of mobile banking apps. In addition, the findings indicate that perceived risk had a negative impact on both clients’ trust and their attitudes toward the use of mobile banking services. The proposed model could increase the adoption of m-banking apps by enhancing their defenses against security risk issues. The model enhances the risk reduction (63.0%), data protection (75.0%), trust (32.1%), quality of service (74.0%), ease of use (44.0%) and usefulness (45.3%) ratios. Full article

This study investigates the socio-economic characteristics, behavioral preferences, and consumption of individuals who own crypto-assets. Our empirical analysis utilizes data from a German personal finance management app where users connect their bank accounts and depots. We conducted a survey and elicited behavioral factors for financial decision-making. By combining survey with account and security account data, we identify crypto investors’ preferences for financial decision-making and financial advice. Our results suggest that, in particular, students or self-employed, young, and male individuals who are risk-seeking and impatient are more likely to have invested in crypto-assets. Most crypto owners have less experience with financial advisory. They see it as too time-consuming and qualitatively poor, and instead, they prefer to decide on their own as they have self-reported high financial literacy. Investigating their consumption in more detail we conclude that crypto investors more often spend on travelling, electronics, and food delivery and less on health. Our findings suggest policymakers in identifying high-risk consumers and investors, and help financial institutions develop appropriate products. Full article

Application stores (app stores) enable developers to interact with users by responding to their reviews. Many developers continuously monitor user reviews and seek to respond to them effectively and efficiently to boost user satisfaction, which in the end increases the app’s rating. Thus, it is essential to study developer responses and how to improve them. This research was aimed at evaluating developer responses to user reviews in both the Apple App Store and Google Play Store in the banking domain. Ten Saudi and ten United States (U.S.) bank apps were selected from each store as the sample. Quantitative and qualitative approaches were employed to code and categorize developer responses for each app using content analysis. The study found that developers’ responses can be divided into three types of interaction: interactive response, semi-interactive response, and no response. A main finding is that responses by U.S. bank app developers outperformed those by Saudi bank app developers in terms of the number and quality of responses. This research provides valuable recommendations for users, developers, and app stores to enhance user–developer interaction. Full article

The research objective of the study is to assess the impact of perceived ease of use, perceived usefulness, personal innovativeness, perceived risk, and social influence on the intention to use mobile banking applications by university students in Kuwait and Serbia. Preliminary (Kuwait sample size = 51, Serbia sample size = 31) descriptive statistics and comparisons of means between Kuwait and Serbia confirmed that Kuwaitis perceive mobile banking as related to higher risk compared to Serbians, explaining why Serbians have a more positive attitude towards mobile banking and higher intention to use it. Full article

Measurements of specific acute phase proteins (APP) and protein electrophoresis (EPH) fractions have been widely used to better assess the health of species under managed care across numerous taxa. To date, APP assays have not been validated in the hamadryas baboon (Papio hamadryas), and reference intervals have not yet been established. This information is critical for the interpretation of APP and EPH measurements used in the diagnosis of inflammatory diseases during routine veterinary care of this species. To obtain this information, banked serum samples from hamadryas baboons of various age, sex, and health status, under managed care at the North Carolina Zoo, were analyzed. A small pilot study found significantly higher serum amyloid A (SAA) and C-reactive protein (CRP) but not haptoglobin in baboons with acute inflammation compared to healthy counterparts, so these two APPs were investigated further. Reagents for serum amyloid A (SAA) and C-reactive protein (CRP) were validated, although differences in CRP reagents were observed. Based on the results of this study, SAA and CRP were defined as major APPs that were significantly increased in baboons with active inflammation or infection compared to healthy conspecifics. Baboons with acute inflammation additionally had significantly higher gamma globulins compared to healthy baboons. Although mean albumin concentrations were lower in baboons with acute inflammation, the difference from healthy baboons was not statistically significant. This study identifies SAA, CRP, and EPH as useful tools in the diagnosis of inflammatory disease in the hamadryas baboon and establishes reference intervals to aid in the future veterinary care of this species. Full article

Payment apps and digital wallets are powerful tools used to exchange e-money via the internet. However, with the progressive disappearance of cash, there is a need for the digital equivalent of physical banknotes to guarantee the same level of anonymity of private payments. Few efforts to solve the double-spending problem exist in P2P payments (i.e., in avoiding the possibility of a payer retaining copies of digital coins in absence of a trusted third party (TTP)), and further research efforts are needed to explore options to preserve the privacy of payments, as per the mandates of numerous central bank digital currency (CBDC) exploratory initiatives, such as the digital euro. Moreover, generic programmability requirements and energetic impacts should be considered. In this paper, we present a sustainable offline P2P payment scheme to face the double-spending problem by means of a one-time program (OTP) approach. The approach consists of wiping the business logic out of a client’s app and allowing financial intermediaries to inject a certified payment code into the user’s device, which will execute (asynchronously and offline) at the time of payment. To do so, we wrap each coin in a program at the time of withdrawal. Then the program exploits the trusted execution environment (TEE) of modern smartphones to transfer itself from the payer to the payee via a direct IoT link. To confirm the validity of the approach, we performed qualitative and quantitative evaluations, specifically focusing on the energetic sustainability of the proposed scheme. Results show that our payment scheme is energetically sustainable as the current absorbed for sending one coin is, at most, ~1.8 mAh on an Apple smartphone. We advance the state-of-the-art because the scheme meets the programmability, anonymity, and sustainability requirements (at the same time). Full article