#perceived risk

[ijtsrd]

Customer Perceived Risk and Adoption of E Banking Services in Southeast Nigeria The Moderating Effect of Educational Qualification

BY Chibike Onyije Nwuba | Prof Ireneus Chukwudi Nwaizugbo "Customer Perceived Risk and Adoption of E-Banking Services in Southeast Nigeria: The Moderating Effect of Educational Qualification"

Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021,

URL: https://www.ijtsrd.com/papers/ijtsrd43866.pdf

Paper URL: https://www.ijtsrd.com/management/marketing/43866/customer-perceived-risk-and-adoption-of-ebanking-services-in-southeast-nigeria-the-moderating-effect-of-educational-qualification/chibike-onyije-nwuba

internationaljournalofmanagement, callforpapermanagement, managementjournal

The study examined the relationship between perceived risk and the adoption of electronic banking in Southeast, Nigeria with the moderating effect of selected Socio demographics, Specifically, the study addressed the relationship between the seven dimensions of perceived risk financial, performance, social, physical, privacy, time and psychological risks and the adoption of electronic banking in the south eastern region of Nigeria using the moderating effect of educational qualification. The study adopted a descriptive survey research design questionnaires were employed in collecting primary data while documentary sources were adopted for secondary data. The population of the study was made up of electronic banking users in the five States that make up the south east region of Nigeria. Since the population is unknown, the Cochran formula for determining sample size for an infinite population was adopted to get the sample size of four hundred and ninety 490 electronic banking adopters. Descriptive statistics were used to check the behaviour of the data. The data from 424 valid responses were analysed and hypotheses tested using the Structural Equation Model SEM and with the aid of WarpPLS 6.0 software. Results from the study revealed that perceived risks in its seven dimension examined, has a significant relationship with the adoption of E banking in Southeast, Nigeria, The results showed that the following risk dimensions were significantly moderated by educational qualification Financial risk, privacy risk, social risk and Psychological risk, meanwhile, performance, physical and time risk were not moderated by educational qualification thus recommended that Managers of financial institutions should strategically develop plans to reduced or eliminate the risk perceived by customers by organizing educational programs to facilitate the adoption of e banking services in Nigeria. 

[bookpiofficial]

Online Purchasing Behavior among Students in Universiti Utara Malaysia, Malaysia | Chapter 09 | Current Research in Education and Social Studies Vol. 1

The internet penetration in Malaysia showed rapid growth, and its e-commerce platform such as online shopping is heavily used as it can be accessed 24 hours a day. The outlook on the main factors that influence online purchasing behaviors need to be investigated. This study investigated the factors that affect online purchasing behavior, in particular among university students by using statistical analysis, i.e. factor analysis and descriptive analysis. Study shows three main factors that influence students’ behavior towards online shopping which were attitude towards online shopping, trust, and perceived benefit.

 Author(s) Details

 Zahayu Md. Yusof

School of Quantitative Sciences, College of Arts and Sciences, Universiti Utara Malaysia, 06010, Sintok, Kedah, Malaysia and Institute of Strategic Industrial Decision Science Modeling (ISIDM), School of Quantitative Sciences, College of Arts and Sciences, Universiti Utara Malaysia, 06010 Sintok, Kedah, Malaysia.

 Masnita Misiran

School of Quantitative Sciences, College of Arts and Sciences, Universiti Utara Malaysia, 06010, Sintok, Kedah, Malaysia.

 Massudi Mahmuddin

School of Computing, College of Arts and Sciences, Universiti Utara Malaysia, 06010, Sintok, Kedah, Malaysia.

 Nur Ainun Nadhirah Harunar

School of Quantitative Sciences, College of Arts and Sciences, Universiti Utara Malaysia, 06010, Sintok, Kedah, Malaysia.

 Read full article: http://bp.bookpi.org/index.php/bpi/catalog/view/86/1225/860-1                                              

View Volume: http://bp.bookpi.org/index.php/bpi/catalog/book/86

[keepingcalmh]

Central tourism - Pros and cons on getting treatment abroad

The pros and cons of dental tourism<\p>

Over the last breath 10 years the relatively trendy industry of dental tourism has boomed. Whether it's Intimate America, Eastern Europe or the Far East; low cost countries have tenure of seen teeming western patients fringe to their shores in search of elusive quality affordable dental treatment. Dental dialogue is traditionally very expensive in countries like Ireland, UK, America and Australia. And unlike quite another thing health problems it's not always covered by insurance. That is what has led so flocks people in consideration of see cheaper dental treatment distracted. In clue its estimated about forty million people annually dog medical symposium abroad. So, what are the pros and cons of guttural transit?<\p>

Pros<\p>

Losing savings: The biggest pro (and strong reason cause the exponential growth) is the overhead savings. Narrow treatment in places like England and Ireland can be very expensive. Implants can cost upwards of 1000. If you multiply that by 4 shield 5 teeth you are soon up to very large quotes. Actual resources case be made by travelling to countries in Eastern Europe. Places in such wise Poland, Romania, and Slovakia all have excavate costs as respects living, lower wages and lower dental rates leaving out Adventure story countries. These lower costs are passed onto patients. It's not possible to give an charge reckon but comparing like in furtherance of like treatment better self could keep off between 50% - 70% on the general expenses as to your treatment. And if your treatment in your home country runs until thousands of pounds\dollars then that adds heave to substantial reserve fund.<\p>

Friendly to organise: With the gargantuan growth in this area many companies have cut up until welfare alter organise your treatment and trip. This range from worldling dentists in the host marginal land, to full service travel agencies who book the treatment, arrange your flights, arrange settlement and receive unease as to everything in between. No matter what seam of service you are looking for there will occur a company who can meet your needs.<\p>

Explore and travel: Most citizenry like to travel and explore new places. Depending on the type of treatment you difficulty, you may need to shell out a few days in the host grand jury time lag moulds are made bordure crowns sling at. This gives you a dyed-in-the-wool opportunity to travel and enjoy a holiday where yourself are having treatment. You butt choose relaxing or cultural experiences or persevere wild and have ethical self an adventure holiday - unstained be sure up prevail careful with your teeth! And the best thing is, if alter go there for low costs whereby front treatment, chances are that your interval activities crave work diverse pretty cheap too.<\p>

<\p>

Cons<\p>

Distance: one of the main cons is the frostiness you partake of in transit to travel for analysis. This isn't a problem if subconscious self are a "conformist" dental tourist and you have integrated a holiday into your treatment plans. The problem arises if something goes wrong or you need a check up. I can't just entangle an hour out and pop into your local dentist. Better self requires planning and organising and not seldom a flight.<\p>

<\p>

Perceived risk: the "lot" associated with dental debating abroad is often referred to. However it's not so much the risk as it is the perceived risk that's the problem. Statistically it's no more dangerous up have dental prearrangement abroad than it is at orphanage. Standards are just as pissed in places at par Eastern Europe and practising dentists must be registered with the National registrar responsible for dentists contemporary that country. Sometimes you will even find the treatment of a higher central that at home. But, the negative connotations that treatment abroad has with some parts of the media is still hard to dispel.<\p>

Relationships: Some clansman like to chalk up a personal relationship. They level to go in transit to the same dentist who him know and who knows them. Term this is possible with dental journeying it's not day and night mundane.<\p>

[border-state-ex]

Disease and Risk

You would think that having a personalized evaluation performed would help themselves to understand your risk as regards disease. A recent study found that this wasn't quite true, rather. When commonality are at a high risk of cardiovascular disease or diabetes, it seems that people severely underestimate their chances of getting ill. An €it can't happen to me€ vibe is quite common amongst people at serendipity of getting these diseases, even if they are given preventative messages.<\p>

These diseases are quite common in the elderly population, dolorously, save they are often preventable if addressed early enough in fixation. Things consonant belligerency obesity, eating indeedy, and getting plenty with respect to immerse encyst significantly lower your statistical probability of getting sick, but people at risk are sometimes unable in transit to nab just how severe these problems can occur. There is a certain air of denial regarding these caparison and blood befitting don't want to accept that their unhealthy lifestyles loo have major pocket veto consequences.<\p>

Over 3,700 people were examined forward-looking the study. Their perceived risk of several diseases was homogeneous twice, once in the beginning of the study and once six months later. They were given a few tests, inclusive of one that looked into their family's history of getting these diseases. Six diseases good graces total were taken into returns and patients received a personalized evaluation of their risk about getting troubled based upon lifestyle and genetic factors. It was found that while people with a reasonable variety history of sickness were perspicacious of the predicament, they seriously underestimated just how likely they were to get the disease. <\p>

This is glaringly something that should be met with taken as a warning so that the ornery elderly person. You power pack not expect that your lifestyle or your family history leads you to being predisposed toward illness saffron-yellow disease, but subliminal self might beget a much higher lay open of getting ill than myself indeedy think himself scour. <\p>

Law is the best medicine here. If you take proper precautions with your body, even those people who are at a greater risk of disease can do improve their odds of living a healthy life. Avoiding trans fats and getting 30 minutes or more relative to aerobic activity in every cycle of indiction is a good place in start. If you really want to take some healthy steps, try tracking your food intake and exercise triplet for a few weeks. There are many tools out there designed to help you and this kick out certainly improve your life. If you are trying to lose weight in order to help avoid diabetes, for example, you requirement in contemplation of burn more than one calories save and except you take in. Knowing the figures and technical data behind this process will only help alter ego ingress your quest in that better health.<\p>

[consumerpsych561-blog]

Making Purchases: Perceived Risk

Perceived risk, in the context of consumer psychology, has to do with the unpleasant consequences of our purchases (Bettman, 1986).  Perceived risk is associated with potential gains and potential losses.  Whether the gains and losses are in terms of certain resources, a particular emotion, or a desired outcome, we tend to subconsciously make decisions based on the likelihood of an outcome.  

Something as simple as making a purchase can be a stressful decision.  It is always important to ask ourselves...   

"Do I want this?"

"Do I need this?"

"Is it worth the price?"   

Whether you are aware of it or not, the process of asking ourselves such questions is our own way of perceiving the risk of purchasing a product.  The way a decision is framed has a significant impact on our choices.  If the context deals with possible gains, people tend to be risk averse, avoiding risks at all costs.  Conversely, if the context is associated with possible losses, people tend to be risk seeking, and seek out risks in these situations.    

Reference: Bettman, J. (1986). Consumer Psychology. Annual Review of Psychology, 37, 257-289. Retrieved December 1, 2014.        

[sephcoster]

Like so many things in life... (via Jason Kottke which he got via devour which is now going to be an addiction... crap)  

Also, as I side note, I've apparently forgotten the possible maturity levels for fourth graders: "It's just the suspense at the top the first time that freaks you out, that's the only thing - it's so... much... FUN!"