Exploring biometric identification in FinTech applications based on the modified TAM

In recent years,biometric technologies have been widely embedded in mobile devices;these technologies were originally employed to enhance the security of mobile devices.With the rise of financial technology(FinTech),which uses mobile devices and applications as promotional platforms,biometrics has the important role of strengthening the identification of such applications for security.However,users still have privacy and trust concerns about biometrics.Previous studies have demonstrated that the technology acceptance model(TAM)can rigorously explain and predict user acceptance of new technologies.This study therefore modifies the TAM as a basic research architecture.Based on a literature review,we add two new variables,namely,“perceived privacy”and“perceived trust,”to extend the traditional TAM to examine user acceptance of biometric identification in FinTech applications.First,we apply the analytic hierarchy process(AHP)to evaluate the defined objects and relevant criteria of the research framework.Second,we use the AHP results in the scenario analysis to explore biometric identification methods that correspond to objects and criteria.The results indicate that face and voice recognition are the two most preferred identification methods in FinTech applications.In addition,there are significant changes in the results of the perceived trust and perceived privacy dominant scenarios.

Consumer perceptions of food safety risk: Evidence from a segmentation study in Albania

Albania is facing serious problems with the national food safety control system in terms of legislation, control and enforcement. The objective of this paper is to analyse consumer perceptions about safety of small ruminant meat in Tirana, in a context of weak enforcement of the food safety system. Applying two-step clustering analyses, consumers were classified in four socio-demographic clusters, and it was found that the cluster composed of female consumers with lower education and income levels, and the two clusters composed of male consumers perceive consumed meat as safe. Consumers in the cluster composed of females with university education and higher income are, on average, more concerned with current meat safety measures and tend to place more trust in the veterinarian stamp on meat carcasses rather than in local butchers.