{"title":"Portfolio management with the help of AI: What drives retail Indian investors to robo-advisors?","authors":"Sougata Banerjee","doi":"10.1002/isd2.12346","DOIUrl":"10.1002/isd2.12346","url":null,"abstract":"<p>Portfolio management is a critical component of financial investments. With the advent of artificial intelligence (AI)-driven portfolio management, retail investors have the choice to utilize cutting-edge technology to manage their investment portfolios. This study analyzes and portrays the effects of factors influencing the adoption of financial robo-advisors (FRAs) among retail investors in India. A framework comprising eight constructs is proposed to understand FRA adoption. Structural equation modeling (SEM) was used to analyze data from 387 respondents among Indian retail investors using the IBM SPSS AMOS version 28 software package. The results indicate that technology readiness and financial literacy are the two strongest predictors of the behavioral intention to adopt FRA. Additionally, this study provides empirical evidence that social influence and investor type are relevant determinants of customers' decisions to adopt FRA. This study provides managers with guidance on the target segment of consumers for FRA and insights into the drivers of adoption. It further highlights the importance of investor profiling beyond just demographics to improve adoption.</p>","PeriodicalId":46610,"journal":{"name":"Electronic Journal of Information Systems in Developing Countries","volume":"91 1","pages":""},"PeriodicalIF":1.1,"publicationDate":"2024-08-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141925519","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Gilbert E. Mushi, Pierre-Yves Burgi, Giovanna Di Marzo Serugendo
{"title":"Designing a farmers digital information system for sustainable agriculture: The perspective of Tanzanian agricultural stakeholders","authors":"Gilbert E. Mushi, Pierre-Yves Burgi, Giovanna Di Marzo Serugendo","doi":"10.1002/isd2.12344","DOIUrl":"10.1002/isd2.12344","url":null,"abstract":"<p>This paper is part of a broader study that aims to design and develop a digital platform that addresses the common challenges of smallholder farmers. More specifically, we analyzed stakeholders' opinions on the farmers' digital information system (FDIS) designed for sustainable agriculture in Tanzania. We used a qualitative research approach to interview 74 key agricultural stakeholders, including the Ministry of Agriculture, the government subsidy office, agricultural insurance companies, financial institutions, farmers, extension agents and agro-dealers in 13 regions of Tanzania. The study findings reveal that most stakeholders could adhere to the FDIS design for sustainable agriculture, as it potentially solves common challenges by enabling access to quality farm inputs, credit and insurance services, subsidies, advisory services, and markets for their products. However, the study identified certain factors that could hinder the full potential of the envisaged system, such as digital illiteracy and poor ICT infrastructures in rural areas. By interviewing key agricultural stakeholders, we confirm the potential of FDIS to make agriculture more sustainable in low- and middle-income countries. The FDIS should therefore contribute to food security, environmental protection, job creation and higher incomes, as the agriculture sector becomes more dynamic once it is localized and adapted to the needs of all agricultural stakeholders. In addition, the government is expected to play a key role in setting up the agricultural stakeholders at a national level to help them overcome the challenges involved in exploiting the full potential of the FDIS.</p>","PeriodicalId":46610,"journal":{"name":"Electronic Journal of Information Systems in Developing Countries","volume":"91 1","pages":""},"PeriodicalIF":1.1,"publicationDate":"2024-08-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1002/isd2.12344","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141928956","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":"Activity theory perspective to the scale-up and sustainability of mhealth in armed conflict zones of developing countries","authors":"Nakama David, Jennifer Tyndall","doi":"10.1002/isd2.12340","DOIUrl":"10.1002/isd2.12340","url":null,"abstract":"<p>Mobile Health (mHealth) presents the potential to facilitate healthcare and improve the quality of life if successful pilot projects are scaled up and sustainable. However, the persistent termination of mHealth at the pilot phase challenges its potential in developing countries. Existing research suggests an absence of understanding of these phenomena for two reasons. First, literature is scarce in the broad context of armed conflict zones in developing countries, particularly in the IS domain. Second, extant literature emphasizes mHealth implementation, while neglecting the scale-up and sustainability of these technologies. Therefore, this study employs activity theory as a holistic lens to explore how contradictions shape the scale-up and sustainability of mHealth in the armed conflict zone of developing countries. In this study, rather than viewing contradiction as a challenge, it serves as a driver for effecting changes that can foster scale-up and sustainability. The Algorithm for the Management of Acute Childhood Illnesses (ALMANACH), provides an empirical basis for this study. The research employs the interpretivism philosophy and the case study method. In-depth interviews, participatory observations, and document reviews were used to collect data. Purposive and snowball sampling techniques were used to select the study's participants. The study reveals a lack of professional expertise among the CHWs, the non-involvement of the users and beneficiaries in designing ALMANACH, and the lack of financial compensation for using ALMANACH in practice as contradictions. The study further exposes how community volunteer groups and the ALMANACH scientific board were established to steer demand.</p>","PeriodicalId":46610,"journal":{"name":"Electronic Journal of Information Systems in Developing Countries","volume":"90 6","pages":""},"PeriodicalIF":1.1,"publicationDate":"2024-07-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141649928","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Breaking the culture of silence: An analysis of traditional media versus alternative media coverage of a social tragedy in Guatemala","authors":"Jose Ortiz","doi":"10.1002/isd2.12342","DOIUrl":"10.1002/isd2.12342","url":null,"abstract":"<p>The media are core to the successful functioning of democracy. They are responsible for scrutinizing state institutions. The media, thus, must remain independent of political control and power elites seeking to shape public consciousness. Nonetheless, historical precedents of political censorship and the high concentration of media ownership in Latin America have prevented the media from exercising its accountability duties. Information and communication technology (ICT) has recently enabled alternative media outlets to increase their reach in recent years. In contrast to traditional media, alternative media seek to challenge the status quo and engage in causes of social or political change. By analyzing traditional and alternative media coverage of a social tragedy in Guatemala, this study contributes to the ICT for development literature by showing how alternative media can leverage ICT to create accountability through frame diversification. The concept of frame diversification advanced in this study recognizes the possibilities enabled by ICT for disseminating views that break from the “culture of silence” that has historically permeated the media in Latin American countries like Guatemala.</p>","PeriodicalId":46610,"journal":{"name":"Electronic Journal of Information Systems in Developing Countries","volume":"90 6","pages":""},"PeriodicalIF":1.1,"publicationDate":"2024-07-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141576742","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"The impact of ICT development on economic resilience during the COVID-19 pandemic: A country level analysis","authors":"Leida Chen, Kaveepan Lertwachara, Anteneh Ayanso","doi":"10.1002/isd2.12341","DOIUrl":"10.1002/isd2.12341","url":null,"abstract":"<p>This research explores the relationship between information and communications technology (ICT) development and its impact on a country's economy during the COVID-19 pandemic. This study has two primary objectives: (1) to understand how ICT development influences a country's economic resilience during a crisis, and (2) to examine the interrelationships between various country-level ICT development measures. We use multi-year, country-level data made available by the United Nations, the World Bank, and World Health Organization to empirically examine our research model. Partial least squares path analysis is the primary research methodology employed in this study. Our results suggest that ICT development has a positive impact on economic resilience in the face of the COVID-19 pandemic. In addition, our results specify the interrelationships between individual ICT development measures and economic resilience. This research contributes to the extant body of knowledge on the impact of country-level ICT development on economy by empirically validating a research model that explores the relationships between the various measures of ICT development and economic resilience of countries during the COVID-19 pandemic.</p>","PeriodicalId":46610,"journal":{"name":"Electronic Journal of Information Systems in Developing Countries","volume":"90 6","pages":""},"PeriodicalIF":1.1,"publicationDate":"2024-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141506121","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Testing a modified information system success model in a mobile travel app context","authors":"Nombeko Dube, Michael Humbani","doi":"10.1002/isd2.12339","DOIUrl":"10.1002/isd2.12339","url":null,"abstract":"<p>The purpose of the study was to test a modified information system success model in the context of a mobile travel application in order to provide a richer explanation of the focal operating system and the psychological factors that leisure travelers regard as important for user engagement with mobile travel apps. The interrelationship among the basic constructs of DeLone and McLean's information system success model were also explored. A sample size of 219 mobile travel application users aged 18 years and older and who reside in South Africa was collected using purposive non-probability convenience sampling. A self-administered online survey was used for data collection. An exploratory factor analysis revealed the information quality and system quality dimensions to be a single dimension, which was named <i>information and system quality</i>. The results established <i>information and system quality</i> as a significant predictor of service quality. Information and system quality, involvement, and enjoyment also emerged as significant predictors of user engagement with mobile travel applications, while service quality is not. Furthermore, engagement significantly influences word-of-mouth. The study suggests that service providers of mobile travel applications should consider both the <i>information and system</i> characteristics of an application and the psychological factors of involvement and enjoyment if they are to have a better understanding of user engagement with mobile travel applications. The findings indicate that the modified DeLone and McLean's information system success model could be more applicable to exploring mobile travel application engagement in emerging economies, and could be applied to future related studies in other contexts in order to expand existing knowledge.</p>","PeriodicalId":46610,"journal":{"name":"Electronic Journal of Information Systems in Developing Countries","volume":"90 6","pages":""},"PeriodicalIF":1.1,"publicationDate":"2024-06-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1002/isd2.12339","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141386588","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":"Digital strategy in Brazilian family business","authors":"Ieda Margarete Oro, Sérgio Begnini, Edna Cassaro, Taís Trevisol Scherner","doi":"10.1002/isd2.12338","DOIUrl":"10.1002/isd2.12338","url":null,"abstract":"<p>The study aimed to analyze the effect of digitalization strategies on business performance, mediated by organizational innovation in Brazilian family Micro, Small, and Medium Enterprises (MSMEs). This research adopted a descriptive approach with a quantitative methodology, using a sample of 301 Brazilian family MSMEs. Data were collected from studies by the Foundation for Strategic Analysis and Development of Small and Medium Enterprises (FAEDPYME). The theoretical model generated four research hypotheses. Data were processed and analyzed using the structural equation method in SmartPLS 4.0 software. The results confirm the existence of a positive and significant relationship between digitalization strategies, business performance, and organizational innovation, including the mediating effect. The findings highlight the importance of digitalization strategies and organizational innovation in driving the business performance of Brazilian family MSMEs. This study contributes to strategic management practices in family businesses by identifying that effective digitalization strategies and innovation practices allow significant advancements in business performance and subsequent organizational innovation. Thus, they can guide the development of more effective business policies and practices, contributing to the competitiveness of family businesses in the contemporary market.</p>","PeriodicalId":46610,"journal":{"name":"Electronic Journal of Information Systems in Developing Countries","volume":"90 6","pages":""},"PeriodicalIF":1.1,"publicationDate":"2024-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141196641","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Exploring factors influencing the entrepreneurial intentions of the youth community towards green ICT to encourage environmental sustainability: Evidence from an emerging economy","authors":"Shivam Bhardwaj, Sucheta Agarwal, Vikas Tripathi","doi":"10.1002/isd2.12331","DOIUrl":"10.1002/isd2.12331","url":null,"abstract":"<p>Information and communication technologies (ICTs) have a complex relationship with the environment, with certain positive as well as negative effects. Through a comprehensive examination of the entrepreneurial landscape in the domain of green ICT in Uttar Pradesh, India, the research aims to investigate the factors influencing the entrepreneurial intentions of the youth community towards green ICT to encourage environmental sustainability. The research shed light on the involved interplay of individual characteristics, social and environmental contexts, and educational and institutional support systems. By employing a comprehensive qualitative study-interview approach combined with exploratory factor analysis (EFA) various factors such as technological innovation, supportive regulatory frameworks (government policies), entrepreneurial resilience, family and social network support, environmental awareness and concern, availability of resources, market demand, and support of academic institutions are identified as the prominent factors which underscore the multifaceted nature of entrepreneurial intentions among the youth community. The findings contribute valuable insights for policymakers, educators, and entrepreneurs alike, emphasizing the need for targeted interventions and policies to nurture a vibrant ecosystem of green ICT entrepreneurship, thereby driving sustainable development and environmental conservation.</p>","PeriodicalId":46610,"journal":{"name":"Electronic Journal of Information Systems in Developing Countries","volume":"90 6","pages":""},"PeriodicalIF":1.1,"publicationDate":"2024-05-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140933187","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Sulemana Inusah, Adam Ibrahim Osman, Salifu Zaruk Narsam
{"title":"Mobile infrastructure quality, regulatory quality, government effectiveness: Does e-government development matter?","authors":"Sulemana Inusah, Adam Ibrahim Osman, Salifu Zaruk Narsam","doi":"10.1002/isd2.12330","DOIUrl":"10.1002/isd2.12330","url":null,"abstract":"<p>There is a great deal of interest in how mobile infrastructure quality, regulatory quality, and a nation's capacity to develop efficient e-government systems affect government effectiveness. The literature ignores the part electronic government plays in either the regulatory quality-government effectiveness or mobile infrastructure quality-government effectiveness nexuses, despite the fact that existing research indicates that the effects of these factors on government effectiveness vary across nations. Secondary data for 52 African nations was extracted from World Governance Indicator (WGI), Mobile Connectivity Index (MCI), and United Nations E-government Database to empirically investigate the mediating relationship of e-governments using hypothesized model. The positivist paradigm is considered appropriate for this study because it focuses on validating and testing a hypothesized model. The results show a significant relationship between mobile infrastructure quality and e-government development, regulatory quality and e-government development, e-government and government effectiveness. However, there was no significant relationship between mobile infrastructure quality and government effectiveness. Additionally, e-government was found to mediate the relationship between regulatory quality and government effectiveness and the relationship between mobile infrastructure quality and government effectiveness. This suggests that government effectiveness is enhanced when a country is able to develop and implement a good electronic system. The successful implementation of e-governance practices offers better delivery of services to citizens, improved interactions with business, citizen empowerment through access to information, greater convenience, and cost reductions. In addition, establishing protections and legal reforms will be needed to ensure, among other things, the privacy, security and legal recognition of electronic interactions and electronic signatures.</p>","PeriodicalId":46610,"journal":{"name":"Electronic Journal of Information Systems in Developing Countries","volume":"90 6","pages":""},"PeriodicalIF":1.1,"publicationDate":"2024-04-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140664724","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Abdurrahman Abdurrahman, Aurik Gustomo, Eko Agus Prasetio
{"title":"Exploring barriers, drivers, and routines of dynamic capabilities in Indonesian digital banking transformation: A qualitative study based on the TOE framework","authors":"Abdurrahman Abdurrahman, Aurik Gustomo, Eko Agus Prasetio","doi":"10.1002/isd2.12329","DOIUrl":"10.1002/isd2.12329","url":null,"abstract":"<p>This study is rooted in the necessity to gain a thorough comprehension of organizational capabilities essential for embedding dynamic capabilities (DC) according to the technology-organization-environment (TOE) within the landscape of digital transformation (DT). We have observed a surge in recent research focused on DC in the context of DT, however, there is still ample room for exploration to address the complex barriers, drivers, and routines associated with each DC capability, all crucial for achieving successful DT. Our approach employs a qualitative study involving interviews with 18 banking professionals based in Indonesia. Our study's findings have identified six DCs based on the TOE framework that can be effectively employed to facilitate successful DT including the technology capability for the technology dimension, strategy, organizational, and innovation capability for the environment perspective, and environment factor consisting of ecosystem and governance-risk management- compliance (GRC). Delving into these six capabilities, we have explored the barriers, drivers, and routines linked with each. Additionally, our study has facilitated the alignment of DT benefits with expected performance outcomes, thus empowering companies to prioritize DT initiatives in alignment with their performance objectives. From a theoretical standpoint, this research contributes by offering an extensive comprehension of the factors and routines intrinsic to DC based on the TOE framework within the context of DT. From a managerial perspective, it provides guidance to companies as they navigate the realm of DT through a comprehensive lens focused on the DC.</p>","PeriodicalId":46610,"journal":{"name":"Electronic Journal of Information Systems in Developing Countries","volume":"90 6","pages":""},"PeriodicalIF":1.1,"publicationDate":"2024-04-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140627203","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}