F1000Research最新文献

{"title":"Exploring the challenges of AI-driven business intelligence systems in the Malaysian insurance industry.","authors":"Sharmila Ramachandaran, Zubaidi Mahalley, Riska Nuraini, Bablu Kumar Dhar","doi":"10.12688/f1000research.163354.1","DOIUrl":"10.12688/f1000research.163354.1","url":null,"abstract":"<p><strong>Background: </strong>Integrating Artificial Intelligence (AI) with Business Intelligence (BI) systems in the insurance industry holds the potential for enhanced operational efficiency, strategic decision-making, and improved customer experiences. However, the Malaysian insurance sector faces numerous challenges in realizing this potential, including organizational resistance, skill shortages, regulatory complexities, and financial constraints. This study explores the specific challenges encountered in the adoption of AI-driven BI systems within the Malaysian insurance industry.</p><p><strong>Methods: </strong>Using an integrated framework that combines the Technology-Organization-Environment (TOE) model and Resource-Based View (RBV), this research examines the internal and external factors that impact AI adoption. A qualitative case study approach was employed, involving in-depth interviews with technical experts, middle management, and senior leaders from key industry players. Thematic analysis of the data identified significant barriers to AI adoption, such as organizational resistance, lack of skilled personnel, and the complexities of navigating regulatory frameworks.</p><p><strong>Results: </strong>The findings provide a deep understanding of the key challenges faced by Malaysian insurers and highlight areas that require attention, such as leadership commitment, workforce upskilling, technological infrastructure improvements, and policy advocacy.</p><p><strong>Conclusion: </strong>This study adds to the limited academic literature on AI-driven BI adoption in emerging markets and offers practical insights to insurers for overcoming these challenges. By addressing these obstacles, this research contributes to the broader discourse on digital transformation in the insurance sector, offering valuable recommendations for overcoming hurdles in AI adoption while maintaining compliance and ensuring customer-centric approaches.</p>","PeriodicalId":12260,"journal":{"name":"F1000Research","volume":"14 ","pages":"452"},"PeriodicalIF":0.0,"publicationDate":"2025-04-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC12198725/pdf/","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"144505285","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Community-level dietary intake of sodium, potassium, and sodium-to-potassium ratio as a global public health problem: a systematic review and meta-analysis.","authors":"Farapti Farapti, Putri Hersya Maulia, Chusnul Fadilla, Niwanda Yogiswara, Purwo Sri Rejeki, Muhammad Miftahussurur, Hazreen Abdul Majid","doi":"10.12688/f1000research.122560.2","DOIUrl":"10.12688/f1000research.122560.2","url":null,"abstract":"<p><strong>Background: </strong>Widespread adoption of a westernized diet represents a major lifestyle change characterized by substantially higher sodium consumption and lower potassium intake, which is related to cardiovascular morbidity.</p><p><strong>Methods: </strong>We performed a systematic review and meta-analysis over published studies in accordance with quantifying the dietary intake of sodium and potassium of the universal population across the world. The PubMed, EMBASE, Cochrane Library, and Google Scholar databases were used to find research that pronounced 24-hour urinary sodium or potassium excretion (reference period: 2014-2021). The effect size was estimated using the fixed-effect model; sub-group analysis become accomplished to determine urinary sodium and potassium excretion disaggregated by geographical location. Publication bias became evaluated the usage of graphical funnel plot. Data analysis was performed using STATA 16.</p><p><strong>Results: </strong>Forty-three studies (n= 62,940) qualified the selection criteria. The mean urinary excretion of sodium and potassium was 156.73 mmol/24h [95% confidence interval (CI), 148.98-164.47] and 48.89 mmol/24 h (95% CI, 43.61-54.17), respectively; the mean urinary sodium/potassium ratio was 3.68 (95% CI, 2.96-4.40).</p><p><strong>Conclusions: </strong>This updated systematic review highlights excessively high dietary intake of sodium and low intake of potassium at the community level in most parts of the world. The urinary Na/K ratio exceeded the level recommended by the WHO guidelines.</p>","PeriodicalId":12260,"journal":{"name":"F1000Research","volume":"11 ","pages":"953"},"PeriodicalIF":0.0,"publicationDate":"2025-04-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC11969137/pdf/","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"143795064","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Case Report: Macrophage activation syndrome due to multifocal tuberculosis in an immunocompromised patient.","authors":"Salma Riahi, Sana Ammar, Houssem Hassen, Emna Souilem, Donia Mbarki, Yosra Dhaha, Mehdi Ksiaa, Amina Bouatay","doi":"10.12688/f1000research.158982.2","DOIUrl":"https://doi.org/10.12688/f1000research.158982.2","url":null,"abstract":"<p><p>Macrophage Activation Syndrome (MAS) is a serious and life-threatening complication defined by excessive immune activation. While it's commonly associated with rheumatic diseases, infections can also trigger MAS, with tuberculosis being a rare but significant cause. This case report discusses a rare occurrence of Macrophage Activation Syndrome (MAS) caused by multifocal tuberculosis in an immunocompromised patient with Crohn's disease receiving immunosuppressive treatment. The patient is a 26-year-old woman with Crohn's disease who is being treated with azathioprine. She arrived at the hospital battling persistent abdominal pain, overwhelming fatigue, and fever. Upon examination, splenomegaly and ascites were noted. A chest X-ray revealed bilateral pleural effusion consistent with tuberculosis. A CT scan confirmed the presence of pleural, pericardial, and intraperitoneal fluid. Blood tests indicated pancytopenia, hyperferritinemia, and hypofibrinogenemia. The analysis of ascitic fluid suggested an exudate. The PCR test of the bone marrow aspirate was positive for tuberculosis without rifampicin resistance, and the smear showed hemophagocytosis images. The patient was diagnosed with Macrophage Activation Syndrome secondary to multifocal tuberculosis. This report delves into the complex relationship between MAS and tuberculosis, emphasizing the challenges in diagnosing MAS in such cases and the potential link to tuberculosis. The complex diagnostic landscape of multifocal tuberculosis, which can often mimic malignancies, underscores the importance of promptly detecting and starting anti-tuberculosis interventions for improved clinical outcomes and the prevention of associated complications.</p>","PeriodicalId":12260,"journal":{"name":"F1000Research","volume":"13 ","pages":"1439"},"PeriodicalIF":0.0,"publicationDate":"2025-04-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC12012428/pdf/","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"143960620","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Comparative Genomics of Rhamnolipid Synthesis and Monoaromatic Hydrocarbon Tolerance Genes in Environmental <i>Pseudomonas aeruginosa</i> strains.","authors":"Roger A Palomino Huarcaya, Camila Castillo-Vilcahuaman, Sandro B Martel-Torres, Fernando A Merino Rafael, Susana M Gutiérrez Moreno","doi":"10.12688/f1000research.158761.2","DOIUrl":"https://doi.org/10.12688/f1000research.158761.2","url":null,"abstract":"<p><strong>Background: </strong>Bioremediation faces several compounds to recover oil spilled ecosystem. The BTEX (benzene, toluene, ethylbenzene, and xylene) are toxic hydrocarbons requiring efficient microbial degradation for bioremediation. <i>Pseudomonas aeruginosa</i> can degrade hydrocarbons through emulsification ( <i>rhl</i> genes) and tolerance ( <i>mla</i> genes). However, genomic organization of these systems in environmental <i>P. aeruginosa</i> strains remains unclear. This study aimed to investigate the <i>rhl</i> and <i>mla</i> systems in six strains isolated from hydrocarbon-contaminated sites in Peru.</p><p><strong>Methods: </strong>Six <i>Pseudomonas aeruginosa</i> strains were evaluated in this study. Each strain were able to degrade hydrocarbon and tolerate heavy metals. DNA extraction, sequencing, and quality-controlled assembly, functional genome annotation was performed using BAKTA. Comparative analysis included high-quality <i>Pseudomonas</i> genomes from RefSeq, with ANI metrics. A phylogenetic tree was built from core gene alignment, revealed evolutionary connections and was visualized with iTOL.</p><p><strong>Results: </strong>The assembled genomes ranged from 5.6 to 6.0 Mbp with ~66% GC content. All the strains were confirmed as <i>P. aeruginosa</i> by ANI; placing them within Clade 1 alongside environmental and clinical strains. Pangenome analysis identified 3,544 core genes and a diverse accessory genome. All strains had <i>rhlABRI</i> genes in a conserved 3'-5' orientation. Most of them contained duplicated <i>rhlB</i> gene, except C1BHIC5 strain. However, <i>rhlG</i> varied in position and orientation, it was often near <i>rhlC</i>, with C1BHIC5 also displaying an exception in <i>rhlG</i> orientation.100% of strains presented <i>mla</i> system, associated with toluene tolerance, with two copies of <i>mlaA</i>, <i>mlaFEDC</i>, and <i>mlaEFD</i> genes arranged with high synteny but variable orientations. In comparison to <i>Pseudomonas putida</i>, where <i>mla</i> genes are positioned between <i>murA</i> and <i>ppcD</i> with an additional toluene tolerance gene ( <i>ttg2D</i>).</p><p><strong>Conclusions: </strong>In conclusion, the presence of the <i>rhlABC</i> genes and the BTEX tolerance genes in all of the analyzed strains allowed us to understand the great ability of <i>P. aeruginosa</i> to survive in polluted environments.</p>","PeriodicalId":12260,"journal":{"name":"F1000Research","volume":"13 ","pages":"1519"},"PeriodicalIF":0.0,"publicationDate":"2025-04-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC12035672/pdf/","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"143974874","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"[Izumi Shinya's methodology at the San'in Yumeminato Expo].","authors":"Mitsunori Eto","doi":"10.12688/f1000research.162338.1","DOIUrl":"10.12688/f1000research.162338.1","url":null,"abstract":"<p><strong>Abstract: </strong>Izumi Shinya (1930-2022) participated in all the international expos held in Japan from the 1970 Osaka Expo to the 2005 Aichi Expo in important positions, and in particular oversaw the entire project as general producer for the 1990 Osaka International Garden and Greenery Exposition and the Aichi Expo.It is not easy to evaluate how producers conceived and realised a mega-event such as an international exposition. In this short report, I have taken a look at the concept of the San'in Yumeminato Expo held in Sakaiminato City in 1997, summarising its formulation process and uniqueness. In terms of the number of visitors, it was a regional exposition with around one-tenth the size of the Aichi Expo, but it clearly represents the methods used by Izumi and his team in order to realise expositions.This exposition can be seen as a step in the development of Izumi's exposition production, which followed the 1996 Tokyo World City Exposition (cancelled), through the 2001 Kitakyushu Expo (Kita Kyushu Hakuran Sai), and on to the Aichi Expo.</p>","PeriodicalId":12260,"journal":{"name":"F1000Research","volume":"14 ","pages":"441"},"PeriodicalIF":0.0,"publicationDate":"2025-04-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC12090981/pdf/","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"144110385","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"The effects of teaching strategies on learning to think critically in primary and secondary schools: an overview of systematic reviews.","authors":"Andrew D Oxman, Allen Nsangi, Laura Martínez García, Margaret Kaseje, Laura Samsó Jofra, Daniel Semakula, Heather Munthe-Kaas, Sarah E Rosenbaum","doi":"10.12688/f1000research.158087.2","DOIUrl":"https://doi.org/10.12688/f1000research.158087.2","url":null,"abstract":"<p><strong>Background: </strong>We conducted an overview of systematic reviews about the effects of teaching strategies that can be used to teach primary and secondary school students to think critically. Our objective was to inform decisions about what teaching strategies to use in resources that we developed to teach critical thinking about health in secondary schools.</p><p><strong>Methods: </strong>We mapped characteristics of systematic reviews of teaching strategies and summarised findings from the most relevant reviews to teaching students to think critically about health. We included reviews that assessed the effects of teaching strategies that could potentially be used in primary or secondary schools to teach students to think critically, had a Methods section with explicit selection criteria, reported at least one outcome measure of the ability to undertake one of four basic types of cognitive tasks (memory, procedural, comprehension, or opinion), and were published after 1999.</p><p><strong>Results: </strong>We included 326 systematic reviews. The reviews evaluated a wide range of teaching strategies for a variety of purposes. Important limitations of the reviews included not considering adverse effects (99% of the reviews), not assessing the risk of bias for included studies (93% of the reviews), and not assessing the credibility of subgroup effects (100% of the reviews). We summarised the findings for 37 teaching strategies that we considered most relevant. The certainty of the evidence of the effects varied from very low to moderate. We used 12 of the strategies in resources that we developed to teach secondary students to think critically about health.</p><p><strong>Conclusions: </strong>A tremendous amount of work has gone into evaluating the effects of a wide range of teaching strategies. The results of this research can inform decisions about how to teach critical thinking and future research. However, well-designed, up-to-date systematic reviews are still needed for many teaching strategies.</p>","PeriodicalId":12260,"journal":{"name":"F1000Research","volume":"13 ","pages":"1426"},"PeriodicalIF":0.0,"publicationDate":"2025-04-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC12022541/pdf/","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"143974946","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Case Report: Acute hepatitis A virus infection presenting with direct antiglobulin test-negative autoimmune hemolytic anemia and α-thalassemia trait.","authors":"Habiba Debbabi, Eya Chakroun, Hajer Hassine, Hela Kchir, Dhouha Cherif, Haythem Yacoub, Nadia Maamouri","doi":"10.12688/f1000research.156586.2","DOIUrl":"10.12688/f1000research.156586.2","url":null,"abstract":"<p><p>Reports from the literature have discussed patients presenting Hepatitis A virus infection with hemolytic anemia, specifically with glucose-6-phosphate dehydrogenase deficiency. However, autoimmune hemolytic anemia (AIHA) has been rarely reported. We present a challenging case of Coombs-negative hemolytic anemia as initial manifestation of hepatitis A virus infection in a silent carrier of α-thalassemia.</p>","PeriodicalId":12260,"journal":{"name":"F1000Research","volume":"13 ","pages":"1224"},"PeriodicalIF":0.0,"publicationDate":"2025-04-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC12120424/pdf/","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"144179865","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Pre-treatment blood parameters as an economical predictive marker for predicting treatment response in locally advanced cervical cancer.","authors":"Abhishek Krishna, Vishnumaya N, Fathima Shada, Pooja Ms, Dilson Lobo, Athiyamaan Ms, Challapalli Srinivas, Sourjya Banerjee, Johan Sunny, Paul Simon","doi":"10.12688/f1000research.160308.2","DOIUrl":"https://doi.org/10.12688/f1000research.160308.2","url":null,"abstract":"<p><strong>Background: </strong>Cervical cancer poses a significant public health challenge, particularly in low and middle-income countries. Despite advancements in treatment, the disease remains a leading cause of cancer-related deaths among women globally. Chemoradiation utilizing cisplatin has been the cornerstone therapy for locally advanced cervical cancer. Prognostic biomarkers, including hematological parameters, have emerged as valuable tools in guiding treatment decisions and predicting outcomes.</p><p><strong>Methodology: </strong>Data from patients treated between January 2021 and June 2022 were analyzed. Demographic information, histopathology, pre-treatment blood parameters, treatment details, and response assessments were collected. The parameters assessed included hemoglobin levels, neutrophil-to-lymphocyte ratio (NLR), platelet-to-lymphocyte ratio (PLR), prognostic nutritional index (PNI), and eosinophil albumin ratio (EAR). Receiver operating characteristic (ROC) curve analysis was conducted to determine optimal cut-off values for these biomarkers.</p><p><strong>Results: </strong>Of the 140 patients included, the majority had squamous cell carcinoma (92%) and were at stage II or III. Complete response to treatment was observed in 86.4% of patients. Non-responders demonstrated significantly higher levels of hemoglobin, NLR, and EAR, along with lower PNI levels compared to responders. ROC analysis revealed cut-off values for hemoglobin (< 9.5), NLR (< 2.98), PLR (> 289.26), PNI (< 37.67), and EAR (< 49.63) associated with treatment response.</p><p><strong>Conclusion: </strong>The study highlights the potential utility of pre-treatment blood parameters as predictive markers for treatment response in locally advanced cervical cancer. Lower hemoglobin, higher NLR, and EAR, along with reduced PNI, were associated with poorer treatment outcomes. Integration of these biomarkers into clinical practice could aid in treatment planning and improve patient outcomes. Further validation and prospective studies are warranted to establish the role of these biomarkers in guiding personalized treatment strategies for cervical cancer patients.</p>","PeriodicalId":12260,"journal":{"name":"F1000Research","volume":"14 ","pages":"118"},"PeriodicalIF":0.0,"publicationDate":"2025-04-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC12009475/pdf/","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"143980690","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Financial inclusion and stability in Ethiopia using bank-level data: A two-step system GMM estimation.","authors":"Mohammed Arebo, Filmon Hando, Andualem Mekonnen","doi":"10.12688/f1000research.158461.2","DOIUrl":"https://doi.org/10.12688/f1000research.158461.2","url":null,"abstract":"<p><strong>Background: </strong>This paper examines the impact of FI on bank stability within Ethiopian context, using panel data from 17 commercial banks over the period 2015-2023. Given the scarcity of research focused on the relationship between FI and bank stability in Ethiopia, this paper seeks to address a crucial gap by analyzing both conventional and digital aspects of FI in relation with bank stability.</p><p><strong>Methods: </strong>A two-stage principal component analysis (PCA) was conducted to construct a composite FI index, integrating 10 conventional and 5 digital indicators. The study applied a two-step robust system generalized method of moments (GMM) to analyze the effects of FI on bank stability, tests nonlinearities using Lind and Mehlum's (2010) U-test, and examines causality through Dumitrescu-Hurlin (2012) and Juodis et al. (2021) causality tests.</p><p><strong>Results: </strong>The result reveals an inverted U-shaped relationship between FI and bank stability. FI enhances stability up to a 30.3% threshold, beyond which increased transaction costs, information asymmetries, and adverse selection risks weaken stability. Capital adequacy moderates this effect, raising the threshold to 35.1%, but its stabilizing role diminishes at higher levels. Granger causality tests confirm a bidirectional relationship. Additionally, bank efficiency and GDP growth enhance stability, while real interest rates, total assets, and income diversification exert destabilizing effects.</p><p><strong>Conclusions: </strong>This study makes three key contributions. First, it provides the first empirical analysis of the FI-stability nexus in Ethiopia. Second: (i), it develops a multidimensional FI index; (ii), explores both linear and nonlinear relationships, and (iii) examines macroprudential regulation as a moderating factor. Third, it tests causality, offering policy insights. To enhance stability while mitigating risks, policymakers must balance FI expansion, enforce regulatory frameworks, and implement targeted capital requirements. Regulators should strengthen consumer protection and financial literacy, while banks must optimize outreach, manage credit risk, and ensure prudent asset allocation and liquidity management to sustain financial stability.</p>","PeriodicalId":12260,"journal":{"name":"F1000Research","volume":"13 ","pages":"1369"},"PeriodicalIF":0.0,"publicationDate":"2025-04-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC12018872/pdf/","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"143999810","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"An extension of Trust and TAM model with TPB in the adoption of digital payment: An empirical study in Vietnam.","authors":"Truong Tuan Linh, Nguyen Thi Thanh Huyen","doi":"10.12688/f1000research.157763.2","DOIUrl":"10.12688/f1000research.157763.2","url":null,"abstract":"<p><strong>Background: </strong>Digital payment systems are pivotal in the digital economy, relying on the interplay between internet technology and e-vendors. While the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB) have been extensively used to explain technology adoption, the role of trust in financial technology adoption remains underexplored. This study addresses this gap by developing an extended Trust-TAM-TPB model, providing a comprehensive framework to analyze digital payment adoption in emerging markets.</p><p><strong>Methods: </strong>A quantitative approach was adopted, analyzing survey data from 509 respondents using Structural Equation Modeling (SEM). The extended model examines both technological factors (perceived usefulness, perceived ease of use) and trust-related factors (trust's influence on behavioral intention via subjective norms, attitude, and perceived behavioral control).</p><p><strong>Results: </strong>Findings confirm that trust is a significant determinant of digital payment adoption, influencing both perceived usefulness and subjective norms. However, a negative relationship was found between perceived usefulness (PU) and attitude (ATT), suggesting that while users recognize the benefits of digital payments, their attitudes may still be shaped by traditional cash-based habits and security concerns. These insights challenge traditional TAM assumptions and emphasize the importance of trust in driving adoption.</p><p><strong>Conclusions: </strong>This study contributes to technology acceptance literature by integrating trust into the TAM-TPB framework and highlighting its dual role in shaping both perceived usefulness and behavioral intention. Practically, the findings suggest that policymakers and financial institutions should prioritize trust-building strategies, including fraud prevention measures, financial literacy programs, and transparent transaction policies, to accelerate digital payment adoption in developing economies. These insights are particularly relevant for Vietnam's Northern mountainous regions, where digital payment penetration remains low.</p>","PeriodicalId":12260,"journal":{"name":"F1000Research","volume":"14 ","pages":"127"},"PeriodicalIF":0.0,"publicationDate":"2025-04-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC11969139/pdf/","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"143795072","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}