Journal of Informatics Education and Research最新文献

{"title":"Exploring The Impact of Behavioural Biases on Digital Financial Product Adoption: An Empirical Study of Decision-Making Among Indian Consumers","authors":"Dr. Aparna Ger, Dr. Vimalkumar Mistry , Dr. Aswathi Nair, Maitri oza","doi":"10.52783/jier.v3i2.366","DOIUrl":"https://doi.org/10.52783/jier.v3i2.366","url":null,"abstract":"Digital financial products have transformed the financial landscape, offering unprecedented convenience to consumers. However, their adoption is influenced not only by rational decision-making but also by the intricate world of behavioural biases. The use of digital banking services has witnessed a notable surge among consumers; yet there remains a segment of the population that exhibits resistance towards embracing these services Jain, Raman, & Bhardwaj, (2023). The primary concern in India is to not just transitioning consumers from conventional banking platforms to digital avenues, but also integrating the unbanked population into the standard banking system through digital finance Kaur, Ali, Hassan, & Al-Emran, (2021). This empirical study delves into the complex relationship between three specific behavioural biases—Avoidance of Losses, Habitual Behaviour, and Cognitive Dissonance—and the adoption of digital financial products among Indian consumers. Moreover, it explores the mediating role of trust within this dynamic and aims to construct a robust conceptual framework to enhance digital financial product adoption in the Indian context. Data for this research were collected from 200 respondents through a structured questionnaire. The empirical analysis aims to illuminate the multifaceted landscape of Indian consumers' decision-making processes concerning digital financial products. By uncovering the roles of Avoidance of Losses, Habitual Behaviour, and Cognitive Dissonance, and by examining the mediating influence of trust, we strive to contribute both academically and practically to the enhancement of digital financial product adoption within the Indian market. This study holds valuable implications for policymakers, banking institutions, and researchers. It prompts contemplation on the influence of behavioural biases in the realm of digital banking services, taking into account the varying user types. Recognizing these biases and their interplay with user characteristics can inform strategies to enhance the adoption and utilization of digital banking services.","PeriodicalId":496224,"journal":{"name":"Journal of Informatics Education and Research","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-12-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"138980339","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":"A Study on Behaviour of Youth with Respect to Spending Money in Bangalore","authors":"Nasreen Sayyed, Dr. S. Ramesh, Dr. S. Rajarajeswari, Dr. V. Sasikala","doi":"10.52783/jier.v3i2.364","DOIUrl":"https://doi.org/10.52783/jier.v3i2.364","url":null,"abstract":"Apart from taking care of their personal and other entertainment expenses, the primary purpose of earning by women is to save for future security or unpredictable future contingencies. The factors that affect Indian women, to a large extent, is the family decisions, and only few take self-decisions. As women are emerging as the main workforce in the country and contribute significantly towards social and economic development of the country, it is very much necessary to have a study on understanding the investment behaviour of women and also how their behavior is affected by their perception of savings and how they consider various investment avenues before making investment. India is a developing nation with a middle class that has become more financially stable over time. As adults' spending power has grown, even children have become free-hand spenders and sometimes spendthrifts. The question of why, where, and how youth spend and save is addressed in this paper. The young people referred to here are between the ages of 15 and 25.The purchasing habits are also changing as a result of the expanding economy. The segment of society that is immortalized in advertisements is between the ages of 15 and 25.In contrast, this youth in India is not depicted as financially and emotionally secure in the West. The spending habits of our nation's youth are vastly different from one another. The purpose of this paper is to investigate the spending and saving habits of young people in Bangalore.","PeriodicalId":496224,"journal":{"name":"Journal of Informatics Education and Research","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-12-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139010172","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":"Analysing Consumer Behaviour for an Experiential Product: A Case Study of the Kantara Movie","authors":"Dr Nanda Kishore Shetty, Kavana K, Abhilasha M P, Siri R Kini, Ritik Kathuria, Nisarga T Darya, Shirin Dhar, Srinivas Prasad R, Rahul Chandra","doi":"10.52783/jier.v3i2.359","DOIUrl":"https://doi.org/10.52783/jier.v3i2.359","url":null,"abstract":"A comprehensive examination of consumer behaviour pertaining to an experiential product, the Kantara movie, is presented through this research work. This case study delves into the intricate dynamics that govern the decision-making process and subsequent actions of individuals in relation to this particular cinematic offering.","PeriodicalId":496224,"journal":{"name":"Journal of Informatics Education and Research","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-12-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"138584669","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":"Analysing factors affecting the success of Information System (IS): An AHP-Based Analysis of Public Service IS in India","authors":"Dr Sunil M.V., Dr Anand Sasikumar","doi":"10.52783/jier.v3i2.358","DOIUrl":"https://doi.org/10.52783/jier.v3i2.358","url":null,"abstract":"This paper aims to analyse the information systems in the public service segment – banking, revenue department, land records & registrations, electricity supply, water supply, etc., covering 16 segments – on three parameters – installation process, the performance of the IS and the user (the staff operating the IS) satisfaction. The current study presents the blueprint for the IS managers or companies in this segment for the performance evaluation from the user’s perspective with the defined AHP Factor Analysis model. Further, the methodology helps the practitioners in shortlisting of information systems for decision-making. The research work has proved that the AHP-based analysis can be one of the better fit methods for analysing the key parameters or criteria for evaluating an information system for the user satisfaction or shortlisting of candidates for the selection process. \u0000 ","PeriodicalId":496224,"journal":{"name":"Journal of Informatics Education and Research","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-12-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"138584866","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}