The Measurement of SMEs Perception and Awareness in Banten Province, Indonesia (Published)
The research aims to study about the awareness and perceptions of the SMEs palm sugar in Lebak district, Banten Province-Indonesia on Fintech model such as Peer-to-Peer lending and crowd funding in developing their business. The researchers designed as many as 17 questions to conduct a survey related to the research variable. Descriptive analysis is applied by using Microsoft Office Excel data processing. Frequency distribution and central size are used for data analysis. The results show that awareness level of the most respondents is still insufficient on Peer-to-Peer lending and crowd funding as alternative financing instruments. The majority of them have a positive perception of FinTech development. It can be concluded that the level of awareness of most respondents is still very limited, especially on P2P loans, Crowdfunding and other FinTech services provided by non-bank financial institutions. They need to increase awareness level of palm sugar SMEs by related parties such as the government.
Keywords: Fintech, Perception, SME, awareness, sugar palm
Gap Analysis of Customer Expectation and Perception of Professionalism among Nigeria Police Officers: The SERVICOM Perspective (Published)
This paper investigated gap analysis of customer expectation and perception of professionalism among Nigeria police officers: the SERVICOM perspective. The study specifically examined the effect of SERVICOM on professionalism of service as well as gap between customer expectation and perception of Nigeria police service. Descriptive survey design was adopted through which structured questionnaire was used to collect data from the field. The population of the study comprised of all police officers from all ranks and files within Ekiti and Ondo States as well as consumers of police services. Convenience sampling technique was used to select 4,000 respondents which included 2,000 police officers from different ranks and files as well as 2,000 consumers of police services within the two states. Descriptive statistics was used to analyze the research questions while t-test and Chi-square (ᵪ2) were used to test hypothesis one and two respectively. The level of significance was set at 5%. Findings revealed that there was significant difference between customers’ expectation and perception regarding the quality of service provided by the Nigeria Police Force. It was therefore recommended among others that Regulatory authorities in the Nigerian Police Force should take steps to ensure that the operations of the Force are, to some extent, consistent with the expectations of customers as this will help to minimize the discrepancies between customers’ expectation of services and the actual service realized from the Force.
Keywords: Nigeria police, Reliability, Servicom, Tangibility, awareness, professionalism
Predicting Consumer Adoption of Point Of Sale (POS) E-Payment System in Nigeria Using Extended Technology Acceptance Model (Published)
This study is concerned with Predicting Consumer Adoption of Point of Sale (POS) e-Payment System in Nigeria Using Extended Technology Acceptance Model. We extended the TAM by adding two variables: consumer awareness and security of operations to ascertain how they predict the original TAM constructs: PU and PEOU to predict POS adoption. The study was based on a sample of 400 respondents in Awka, Nigeria; of which 234 responded. Questionnaire was the instrument for data collection and was designed with five point likert scale. Four items were used to measure each of the variables. The analysis was done with SEM with the aid of AMOS 23 software. This study has established that PEOU and PU positively and significantly impact POS adoption in Nigeria. It also demonstrated that security impacts PEOU positively and significantly but insignificantly on PU. Consumer awareness (CA) significantly and positively impact PU but impact on PEOU is not significant. The study has implications for research and practice. Further researches should be conducted with further extensions to show the mediation and or moderation impacts of the two variables
Keywords: E-Payment., Perceived Ease of Use, Perceived Usefulness, SEM, Security, awareness