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
REDUCING UNEMPLOYMENT INCIDENCE FOR ECONOMIC SECURITY IN NIGERIA: THE INTERPLAY OF ENTREPRENEURSHIP EDUCATION AND URGENT SOCIAL INTERVENTION (Published)
Economic security being an ingredient for growth and development, makes no sense if job creation is not an outcome. Hence, this study examined the interplay of entrepreneurship education and urgent social intervention in order to reduce unemployment incidence in Nigeria. This simple descriptive survey design study provided a baseline information for policy-management on education in order to enhance productivity of citizens in Nigeria. Secondary data from National Bureau of Statistics and other data sources were obtained to answer four research questions raised for the study. Data analysis was effected with sample descriptive statistics and tables. Results obtained revealed: high rate of unemployment (across education levels and age groups), low level of entrepreneurship education, high prospects of entrepreneurship education in poverty alleviation and increase employment opportunities; and a tripatriate government intervention in their policies and programmes in order to create employment opportunities for citizens. Therefore, it was recommended that policymakers should emphasize entrepreneurship education at all levels of education while government should invest more on public goods for job opportunities in Nigeria.
Keywords: Education, Entrepreneurship, Intervention, Security, Unemployment
A Principal Component Analysis based assessment of the factors influencing online shopping in Mauritius: Binary Regression Modelling (Review Completed - Accepted)
In our modern world, the intensive use of internet has imposed new lifestyles and encouraged new behaviour amongst many across the globe. With the development in Internet technologies, the emergence of online shopping has altered the way businesses operate. While many of them have embraced this platform to present their offerings, many customers on the other hand, are finding it more cost-effective and convenient to carry out their transactions online. Therefore, the present study was undertaken to refine our understanding on consumers’ attitudes, perception and behaviour towards online shopping in a Mauritian context. Data was collected among 22250 respondents in Mauritius whereby a questionnaire was administered through personal interviews with the aim of achieving a higher response rate. Principle Component Analysis (PCA) was performed to reveal the underlying factors influencing people’s perceptions and attitudes towards online shopping and the results uncovered that ‘online shopping conveniences’, ‘security and product risk’, ‘complexity and waiting time’ and ‘enjoyment and pleasure’ were major contributors to overall attitudes towards online shopping attributes. The binary regression model was also fitted and factors such as marital status and internet at home were the significant factors to contribute towards online shopping
Keywords: Binary Logistic, Online Shopping, Principal Component Analysis, Security