Search

The evolution of financial technology into digital payment has led to a new era of a cashless society. E-Wallet is an application that facilitates users to make a payment via a mobile device instead of cash. This research aims to investigate the factors influencing college students' Behavioral Intention to use E-Wallet in Jakarta, using the UTAUT model as the basis. Data were collected from 100 respondents. The partial least squares structural equation modeling (PLS-SEM) was employed to assess the research model. The result shows that Performance Expectancy, Social Influence, and Perceived Enjoyment significantly impact the Behavioral Intention to use E-Wallet. [ABSTRACT FROM AUTHOR]

In general, the net premium principle is used for determining insurance premiums. However, in traditional crop insurance sometimes the realized loss is larger than expected loss. To overcome this problem, insurance companies need to determine the premium where there is risk-loading in the premium. There are several methods that can be used to determine this premium. This research focused on the Proportional Hazard Transform method which results a premium called a risk-adjusted premium. In this paper, we give calculations of the risk-adjusted premium with insurance coverage modifications where an ordinary deductible and a policy limit are applied to an insurance contract, that is the risk-adjusted premium for per-loss and per-payment random variable. We provide a relationship between the calculation of the risk-adjusted premium for per-loss and per-payment random variable. The relationship shows that the value of the risk-adjusted premium for a per-payment random variable is greater or equal than the value of the risk-adjusted premium for a per-loss random variable. Simulation with data of losses experienced by rice farmers from insurance companies in Indonesia is presented in this paper. [ABSTRACT FROM AUTHOR]