Financial literacy,behavioral traits,and ePayment adoption and usage in Japan

This study investigates how financial literacy and behavioral traits affect the adoption of electronic payment(ePayment)services in Japan.We construct a financial literacy index using a representative sample of 25,000 individuals from the Bank of Japan’s 2019 Financial Literacy Survey.We then analyze the relationship between this index and the extensive and intensive usage of two types of payment services:electronic money(e-money)and mobile payment apps.Using an instrumental variable approach,we find that higher financial literacy is positively associated with a higher likelihood of adopting ePayment services.The empirical results suggest that individuals with higher financial literacy use payment services more frequently.We also find that risk-averse people are less likely to adopt and use ePayment services,whereas people with herd behavior tend to adopt and use ePayment services more.Our empirical results also suggest that the effects of financial literacy on the adoption and use of ePayment differ among people with different behavioral traits.

ADOPT联合自我管理教育与支持干预对学龄期1型糖尿病患儿血糖管理的影响

目的探讨提高学龄期1型糖尿病患儿血糖控制水平、自我管理能力及生活质量的有效方法。方法将90例学龄期1型糖尿病患儿按照入院时间分为对照组与干预组各45例。对照组实施常规健康教育,干预组在此基础上实施ADOPT(态度Attitude、定义Definition、开放性思维Open mind、计划Planning、实施Trying)模式联合自我管理教育与支持干预。比较干预前,出院后1个月、3个月两组血糖水平及自我管理能力、生活质量。结果对照组44例、干预组42例完成研究。干预组患儿空腹血糖、餐后2 h血糖、自我管理能力及生活质量(除学校表现外)评分在时间效应、组间效应和交互效应上有统计学意义(均P<0.05)。出院后3个月干预组糖化血红蛋白显著低于对照组(P<0.05)。结论ADOPT模式联合自我管理教育与支持干预可改善患儿血糖控制水平,提高患儿自我管理能力及生活质量。

基于ADOPT问题解决模式的护理干预结合饮食疗法对糖尿病合并前列腺增生术后患者饮食行为及康复情况的影响

目的探讨基于ADOPT问题解决模式的护理干预结合饮食疗法对糖尿病合并前列腺增生术后患者饮食行为及康复情况的影响。方法选取2020年3月至2022年4月收治的86例糖尿病合并前列腺增生术后患者为研究对象,以随机数字表法将其分为对照组与观察组,各43例。对照组采用常规护理干预,观察组在对照组基础上给予基于ADOPT问题解决模式的护理干预结合饮食疗法。比较两组的干预效果。结果干预后,观察组的遵医饮食行为、日常饮食管理行为、饮食依从性态度评分高于对照组(P<0.05)。干预后,观察组的空腹血糖(FBG)、餐后2 h血糖(2 h PG)、CD68、碱性成纤维细胞生长因子(bFGF)水平低于对照组(P<0.05)。观察组的术后并发症总发生率低于对照组(P<0.05)。结论基于ADOPT问题解决模式的护理干预联合饮食疗法不仅能够改善糖尿病合并前列腺增生术后患者的饮食行为,还能促进机体康复,减少术后并发症发生风险,值得推广。

ADOPT模式对急性胰腺炎患者的影响

目的:探讨ADOPT模式对急性胰腺炎患者的影响。方法:选取2021年1月—2022年12月麻城市人民医院肝胆外科收治的60例胰腺炎患者,以随机数表法分成研究组与对照组,各30例。对照组采用常规护理,研究组采用ADOPT模式护理。比较两组的负性情绪、自我管理能力、健康行为评分、症状改善时间及并发症发生率。结果:干预前,两组负性情绪、自我管理能力、健康行为评分比较,差异无统计学意义(P>0.05)。干预后,两组焦虑自评量表(SAS)评分、抑郁自评量表(SDS)评分低于干预前,且研究组低于对照组,差异有统计学意义(P<0.05)。干预后,两组自我护理能力测定量表(ESCA)评分、健康行为评分高于干预前,且研究组高于对照组,差异有统计学意义(P<0.05)。研究组并发症总发生率为6.67%,低于对照组的26.67%,差异有统计学意义(P<0.05)。研究组腹胀消失时间、排气恢复时间、腹痛消失时间及腹压痛消失时间均早于对照组,差异有统计学意义(P<0.05)。结论:ADOPT模式护理可以提升急性胰腺炎患者的自我管理能力及健康行为能力,减轻患者的焦虑抑郁程度,改善临床症状,降低并发症发生率。

The Comparative Role of Intervening Variables in Understanding Farmers＇ Adoption Behavior

The purpose of this study was to indentify the most important determinants associated with behavior change by comparing the influence of intervening variables and the characteristics of the farmer and the farm （independent variables） on the adoption behavior of farmers for recommended agronomic practices. A total of 107 farmers out of a population of 214 were randomly selected from two adjoining districts of South Africa and Lesotho. Chi-square and correlations and regression analyses were used to determine the relationship between the independent, dependent and intervening variables. The results show clear differences between the independent in regard to their influence on adoption behavior, but these influences also vary significantly between the practices. In general the influence of independent variable is limited, and together their total contribution in explaining the variance in adoption （R2） varied between about 20 to 40 percent whilst that of the intervening variables varied between 50 and over 70 percent, which clearly supports the research hypothesis that their prediction arid explanation value in terms of behavior is much bigger than that of independent, personal and environmental factors.

ADOPT干预模式对血液透析患者负性情绪和自我管理行为的影响

目的:探讨ADOPT干预模式对血液透析患者负性情绪和自我管理行为的影响。方法:选取2021年3月-2022年3月某院收治的100例血液透析患者为研究对象,按照入院先后分为对照组和观察组,每组各50例;对照组采取常规干预,观察组采取ADOPT干预模式;对比两组患者干预前后负性情绪[焦虑自评量表(SAS)、抑郁自评量表(SDS)]、自我管理能力[自我管理能力量表(SMSH)]、适应能力[社会心理适应能力(SPAS)]、知识掌握情况和希望水平[Herth希望量表(HHI)]。结果:干预后,两组SAS、SDS评分均下降(P<0.05),且观察组低于对照组(t=-6.235,-8.798;P<0.05);干预后,两组情绪处理、伙伴关系、问题解决、执行自我照顾行为及量表总分均升高(P<0.05),且观察组均高于对照组(t=10.364,3.372,5.393,2.357,8.848;P<0.05);干预后,两组积极的生活态度、持续担忧、接受程度评分均升高(P<0.05),且观察组高于对照组(t=8.969,6.684,7.678;P<0.05);干预后,两组疾病自我监测、饮食管理、并发症预防、干体重、充分透析评分及总分均升高(P<0.05),且观察组均高于对照组(t=4.880,3.834,5.317,4.900,5.522,11.457;P<0.05);干预后,两组积极的生活态度、持续担忧、接受程度评分均升高(P<0.05),且观察组高于对照组(t=5.676,5.446,4.953;P<0.05)。结论:对血液透析患者采用ADOPT干预效果显著,可改善患者焦虑、抑郁情绪,提高患者自我管理能力、适应能力、知识掌握情况和希望水平。

Optimization and coordination of South-to-North Water Diversion supply chain with strategic customer behavior

The South-to-North Water Diversion （SNWD） Project is a significant engineering project meant to solve water shortage problems in North China. Faced with market operations management of the water diversion system, this study defined the supply chain system for the SNWD Project, considering the actual project conditions, built a decentralized decision model and a centralized decision model with strategic customer behavior （SCB） using a floating pricing mechanism （FPM）, and constructed a coordination mechanism via a revenue-sharing contract. The results suggest the following： （1） owing to water shortage supplements and the excess water sale policy provided by the FPM, the optimal ordering quantity of water resources is less than that without the FPM, and the optimal profits of the whole supply chain, supplier, and external distributor are higher than they would be without the FPM; （2） wholesale pricing and supplementary wholesale pricing with SCB are higher than those without SCB, and the optimal profits of the whole supply chain, supplier, and external distributor are higher than they would be without SCB; and （3） considering SCB and introducing the FPM help increase the optimal profits of the whole supply chain, supplier, and external distributor, and improve the efficiency of water resources usage.

Critical Factors for Personal Cloud Storage Adoption in China

Purpose： In order to explain and predict the adoption of personal cloud storage, this study explores the critical factors involved in the adoption of personal cloud storage and empirically validates their relationships to a user＇s intentions.Design/methodology/approach： Based on technology acceptance model（TAM）, network externality, trust, and an interview survey, this study proposes a personal cloud storage adoption model. We conducted an empirical analysis by structural equation modeling based on survey data obtained with a questionnaire.Findings： Among the adoption factors we identified, network externality has the salient influence on a user＇s adoption intention, followed by perceived usefulness, individual innovation, perceived trust, perceived ease of use, and subjective norms. Cloud storage characteristics are the most important indirect factors, followed by awareness to personal cloud storage and perceived risk. However, although perceived risk is regarded as an important factor by other cloud computing researchers, we found that it has no significant influence. Also, subjective norms have no significant influence on perceived usefulness. This indicates that users are rational when they choose whether to adopt personal cloud storage.Research limitations： This study ignores time and cost factors that might affect a user＇s intention to adopt personal cloud storage.Practical implications： Our findings might be helpful in designing and developing personal cloud storage products, and helpful to regulators crafting policies.Originality/value： This study is one of the first research efforts that discuss Chinese users＇ personal cloud storage adoption, which should help to further the understanding of personal cloud adoption behavior among Chinese users.

Factors influencing the internet banking adoption decision in North Cyprus: an evidence from the partial least square approach of the structural equation modeling

Purpose:This paper aims to examine how the adoption decision of the internet banking in North Cyprus would be affected based on the following dimensions;the technology features,the personal characteristics,the social environment and the expected risk.Design/methodology/approach:A self-administered survey was conducted with 291 participants responded to it.The partial least square approach of the structural equation modeling(PLS-SEM)is employed to investigate the direct effects of the proposed factors on the adoption decision.Additionally,the mediation test is used to examine indirect effects.Findings:Results showed that even though the participants appreciated the benefits of the online banking as the perceived usefulness factor exerts the greatest direct effect,they would rather use clear and easy-to-use websites,adding to that their assessments of the usefulness of these services are significantly influenced by the surrounding people’s views and prior experience.This is demonstrated by the total effects of the perceived ease of use and the subjective norm factors,which are greater than the direct effect of the perceived usefulness factor since both of these factors have significant direct and indirect effects mediated by the perceived usefulness factor.The negative impact of the perceived risk factor is weak compared to the previous factors.While the personal innovativeness factor showed the weakest effect among the proposed factors.

The Impact of Fitness between Consumers and Product-harm Crisis on the Online Dysfunctional Customer Behavior

With the popularization of the Internet,this technology has changed the form of information dissemination. The information will spread quickly when food product harm crisis happens,and the phenomenon that information of product-harm spills over is very common. This article is based on " Frustration- Misbehaving" research paradigm,combined with the information dissemination motivation theory,discusses that the fitness between the consumers and the crisis will promote consumers' dysfunctional customer behavior. The study found that the fitness between the consumers and the crisis has significant effect on consumers' dysfunctional customer behavior,perceived social damage has a mediator effect between fitness and consumers' misbehavior,and the moderating effect of consumers' aggression tendency is significant,but not the emotional tendency. The theoretical contribution and valuable implications of findings for communication of crisis management are discussed at last.

The Effect of Service Quality on Behavioral Loyalty Through Customer Satisfaction and Attitudinal Loyalty in the 4-Star Hotel in East Java, Indonesia

This research was conducted to test and analyze the influence of service quality on behavioral loyalty through customer satisfaction and attitudinal loyalty to 4-Star Hotel in East Java.This research is a survey research.The sampling technique used is non probability sampling.Sample sizes are 200 respondents.The analysis tool used is Structural Equation Model(SEM)Analysis.The result of the research shows that hypothesis proposed in this research is accepted.Academic suggestion submitted is for research that will come dating need to be explored influence of other variables that influence behavioral loyalty.While practical suggestions submitted to business actors is for business actors to pay attention and keep the variables that effect behavioral loyalty.Especially studied in this study they are:service quality,customer satisfaction,and attitudinal loyalty.

Behavioral Intention to Continue Using a Library Mobile App

To meet the needs of today’s library users,institutions are developing library mobile apps(LMAs),as their libraries are increasingly intelligent and rely on deep learning.This paper explores the influencing factors and differences in the perception of LMAs at different time points after a user has downloaded an LMA.A research model was constructed based on the technology acceptance model.A questionnaire was designed and distributed twice to LMA users with an interval of three months to collect dynamic data.The analysis was based on structural equation modeling.The empirical results show that the perceived ease of use,the perceived usefulness,the social influence,and the facilitating conditions affected the users’behavioral intention,but their impacts were different at different times.As the usage time increases,the technology acceptance model is still universal for understanding the user perception of LMA.In addition,two extended variables(social impact and convenience)also affect the user’s behavior intention.User behavior is dynamic and changed over time.This study is important both theoretically and practically,as the results could be used to improve the service quality of LMAs and reduce the loss rate of users.Its findings may help the designers and developers of LMAs to optimize them from the perspective of a user and improve the service experience by providing a deeper understanding of the adoption behavior of information systems by LMA users.

顾客授权行为对员工服务主动性的影响和作用机制研究

从资源保存理论视角出发,引入心理可得性和权力需要作为中介和调节变量,通过一项时间滞后的问卷设计和两项基于场景的实验设计,深入探讨了顾客授权行为对员工服务主动性的影响机制和作用边界。研究结论表明:顾客授权行为对员工服务主动性具有显著正向影响;心理可得性在顾客授权行为与员工服务主动性之间起中介作用;权力需要不仅调节顾客授权行为对员工心理可得性的直接作用,还进一步调节顾客授权行为通过员工心理可得性对其服务主动性的间接效应。

虚拟品牌社区角色压力对顾客抱怨行为的影响研究

角色压力作为影响个体行为的压力源受到了学者们的广泛关注,但研究主要集中在正式组织中,鲜有学者关注角色压力在非正式组织中的作用。文章基于角色压力理论和资源保存理论探讨虚拟品牌社区角色压力对顾客抱怨行为的影响及中介机制。通过收集309名虚拟品牌社区成员的样本数据进行实证分析,结果发现:角色压力越大越可能促使顾客产生抱怨行为;角色压力不仅会直接影响顾客抱怨行为的产生还会通过影响顾客倦怠进而影响顾客抱怨行为;个体所拥有的个人资源会负向调节角色压力与顾客倦怠的关系。

健康信息采纳行为研究——概念界定、理论模型与未来展望

[目的/意义]总结国内外健康信息采纳行为研究进展,发现现有研究已经取得的成绩,提出未来值得关注的潜在研究方向,为后续开展相关的理论研究提供参考。[方法/过程]通过对收集到的国内外健康信息采纳行为相关文献进行系统性梳理,界定健康信息采纳行为的概念,归纳健康信息采纳行为的表现形式,以及总结健康信息采纳行为理论模型的发展和衍化规律。[结果/结论]未来可考虑从健康信息采纳行为前置动因的构成、情境嵌套下的健康信息采纳行为、健康信息采纳执行意愿的中介作用和健康信息采纳实际行为的测量4个方面对健康信息采纳行为做进一步研究。

控股股东私利行为、客户治理与企业绿色创新——基于中国上市公司的经验研究

以2012—2021年A股非金融上市公司为样本,理论分析与实证考察控股股东私利行为对企业绿色创新的影响以及关系客户对此的治理效应。研究结果表明,控股股东私利行为显著降低了企业绿色创新水平,而客户的治理能力能有效弱化控股股东私利行为对企业绿色创新的负面影响,揭示了客户治理效应的存在。基于影响机理的进一步分析发现,客户对控股股东私利行为的治理效应在低现金持有水平、过度投资企业中表现得更为显著。基于企业外部治理机制的进一步分析显示,在影响控股股东私利行为与企业绿色创新关系的过程中,客户治理与产品市场竞争治理、机构投资者持股治理之间存在显著的替代关系。对此,企业应建立健全内部治理与监督机制,加强客户资源管理。

农业补贴下资源禀赋对农户农机社会化服务采纳行为的影响

农机社会化服务作为小农户链接现代农业的桥梁,是发展农业机械化和规模化经营的重要手段,对推动农业现代化具有重要意义。在对江西省483户农户进行实地调查的基础上,采用二元Logistic模型实证分析农户资源禀赋对农户农机社会化服务采纳行为的影响,并进一步分析农业补贴对农户资源禀赋影响农户农机社会化服务采纳行为的调节作用。研究结果表明:农户资源禀赋显著影响农户农机社会化服务采纳行为,其中户主的健康状况、经营年限、家庭劳动力人数、熟识的村干部数量、农业收入占比、耕地面积显著正向影响其农机社会化服务采纳行为,农机价值则显著负向影响其农机社会化服务采纳行为。另外,农业补贴对农户资源禀赋影响农机社会化服务采纳行为有显著的正向调节作用。具体而言,农业补贴对人力资源禀赋中的健康状况、社会资源禀赋中的是否加入合作社、经济资源禀赋中的农业收入占比和自然资源禀赋中的耕地面积与农机社会化服务采纳行为的关系均有正向调节作用。基于此,提出落实好农业补贴政策、鼓励身体健康的高素质农民务农、鼓励政府部门与农民多交流沟通、增加农民收入等对策建议。

顾客授权行为对员工工作重塑的影响:有调节的中介模型

基于自我决定理论,通过373位员工多时点追踪样本探讨顾客授权行为对员工工作重塑的影响及其机制和作用边界,结果表明:顾客授权行为正向影响员工工作重塑,角色宽度自我效能感在这一过程中起正向调节作用;和谐式工作激情在顾客授权行为和工作重塑之间起部分中介作用;角色宽度自我效能感不仅强化了顾客授权行为与和谐式工作激情的正向关系,还进一步强化顾客授权行为通过和谐式工作激情影响员工工作重塑的间接效应。

专业虚拟社区创意感知价值的影响因素——基于反馈类型的调节作用

专业虚拟社区已经成为个人以及企业进行知识共享的重要平台,社区需要辅助贡献者了解用户对创意价值评价的影响因素,但至今相关研究缺乏。因此,针对“哪些因素会影响用户对创意感知价值的评判”,基于信息采纳模型,将在线反馈行为区分为知识性反馈行为与社会性反馈行为两类反馈行为后共同纳入模型之中,并引入文本逻辑作为新的结构变量,爬取思否问答社区的用户数据,通过Tobit回归模型进行实证分析。结果显示,两类在线反馈行为、文本逻辑和贡献者社区参与均对创意感知价值有显著正向影响。其中,社会性反馈的影响程度高于知识性反馈,但知识性反馈的调节作用更稳定;清晰且有条理的文本逻辑显著正向影响创意感知价值;同一问题下的创意贡献数对创意贡献感知价值持续呈现显著负向影响,“粉丝”数和内容丰富度对创意感知价值具有显著正向影响。据此,为社区管理者在提供参考创意回答框架、可选择的创意贡献者身份特征展示以及引导营造评论区知识交流氛围等方面提出建议。