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Purpose: There is an ongoing challenge to map the efficacy of e-retailing strategies in building both value co-creation opportunities for online customers and customer value for companies. Based on the service-dominant (S-D) logic, an integrative model is provided that connects the impact of convenience and personalisation strategies (CPSs) on an e-retailer's performance – by offering co-creation opportunities and customer engagement. Design/methodology/approach: The survey instrument is validated and the model is tested with data from active online customers using a novel methodology that blends artificial neural network (ANN) analysis with partial least squares (PLS) in both the measurement model and the path analysis. Findings: The findings robustly support the model and yield evidence of the contribution of CPSs in effective value propositions, the interface between the S-D logic and customer engagement, and the direct effect of customer engagement on tangible forms of value for companies. Originality/value: This study is the first scholarly effort to provide a comprehensive understanding of how and why CPSs can maximise customer value for the e-retailer, while simultaneously testing the customer value/engagement interface with a new blended ANN-PLS method. [ABSTRACT FROM AUTHOR]

Background: The use of welfare technology is gaining ground in municipal eldercare and is increasingly being integrated into everyday routines. However, the meanings that eldercare personnel attach to welfare technology in the care of older recipients, and thus the domestication of welfare technology, remain largely underexplored. This study explores how eldercare personnel understand and ascribe meanings to welfare technologies in their daily work, with the aim of understanding their domestication. Methods: The empirical material comprised 181 photographs, each paired with corresponding text, from 61 participants across four municipalities in southern Sweden. The empirical material was thematically analysed, focusing on different categories of welfare technologies and their ascribed meanings. In our coding "convenience" and at times "inconvenience" were interpreted as recurrent patterns. Their repeated presence across various contexts and the meanings ascribed to different welfare technologies prompted deeper interpretive engagement, leading us to adopt it as a key theme. In the final step, the codes were synthesised through the lens of "convenience" to better understand the meanings participants attached to welfare technology in eldercare work. Results: The participants ascribed meanings to welfare technology that resonate with broader societal and cultural understandings of technological solutionism, while aligning with national policies promoting welfare technology as a means of supporting safety, activity and independence for older adults. Welfare technology was often understood as both convenient and an act of care. Our analysis uncovered different dimensions of "convenience", which we labelled as: "remote surveillance convenience", "logistics convenience", "communication convenience", "safety convenience", "comforting convenience" and "activation convenience". Yet, in some cases, welfare technology was also seen as a hindrance to care, being inconvenient due to its inflexibility, technical difficulties and the tendency to create duplicate tasks. Conclusion: This paper contributes to a deeper understanding of the domestication of welfare technology in eldercare. Our study found that eldercare personnel engage with and interpret welfare technologies by ascribing meanings related to perceived convenience — a concept not widely explored in this context. Welfare technologies were often seen as convenient substitutes for physical proximity and relational care, such as "remote surveillance convenience" through cameras and "comforting convenience" via robotic pets. However, convenience, while central to the participants' experiences, should not be understood as inherently "good" or positive but as part of the domestication process, shaped by socio-technical contexts and the political economy of eldercare, which prioritises effectiveness and efficiency. By shedding light on these dynamics, our study examines how the domestication of welfare technology is shaped by and reinforces broader discourses of technological solutionism, raising questions about its long-term impact on care practices. [ABSTRACT FROM AUTHOR]

Background: Deferasirox (DFX) is a once-daily oral iron chelator with proven dose-dependent efficacy in patients with thalassemia major (TM). The reason for switching from DFX dispersible tablets (Exjade®) to DFX film-coated tablets (Jadenu®) was intolerance. Many patients also reported that deferasirox® did not taste good. In this study, we compared the effect of Jadenu® and Exjade® on satisfaction, convenience, cardiac/liver MRI T2*, serum ferritin levels, and biochemical profiles in patients with thalassemia major. Method: Sixty-two patients with thalassemia over 2 years of age, who had iron overload indicated by chelation therapy, were randomly divided into two groups. The first group (n = 32) is treated with Exjade®, and the second group (n = 30) is treated with Jadenu®. Laboratory investigations included alkaline phosphatase (ALK), alanine transferase (ALT), aspartate transferase (AST), and serum ferritin levels. Cardiac/liver MRI T2* levels and patient satisfaction and convenience, were assessed before and 1 year after starting therapy. Results: The study found that 53.3% of Jadenu® patients were satisfied with the taste of the medication compared to only 12.5% of Exjade® patients, which was statistically significant (p = 0.001). Additionally, 40% of Jadenu® patients were satisfied with the ease of taking the medication compared to 28.1% of Exjade® patients, and again, the difference was statistically significant (p = 0.047). A comparison of the cardiac MRI T2* levels between the two studied groups showed no significant difference (p = 0.851). Conclusion: Jadenu® offers patients an improved formulation that can be taken on an empty stomach, has a better taste, and presents fewer gastrointestinal tolerability concerns. Overall, patient satisfaction is higher with Jadenu®, which may improve adherence and reduce the frequency and severity of complications associated with iron overload. This, in turn, may help mitigate cardiovascular and hepatic complications from iron overload in the long term. Clinical Trial Registration: https://irct.behdasht.gov.ir/search/result?query=IRCT20210830052346N1 [ABSTRACT FROM AUTHOR]

The study has examined customer experience on customer loyalty towards digital payments in banks. The information systems success model (ISSM) and stimulus organism response model (SOR) have been integrated to develop a model, i.e., the digital payment loyalty model (DPLM). Structural Equation Modeling (PLS-SEM) was used to analyze the data. The model (DPLM) was validated by incorporating digital application attributes (convenience, trust, social influence) from the SOR model and quality dimensions (information quality, system quality, service quality) from the ISSM model to enhance customer loyalty with the mediating effect of customer experience toward digital payments in the bank. The influence of convenience and dimensions of quality are found to be significant towards customer experience in enhancing customer loyalty. Trust and social influence non-significantly impact customer experience to enhance customer loyalty, which is inconsistent with the results of previous studies. Banks and other service providers can use the DPLM model to create a strategy that enhances customer loyalty. [ABSTRACT FROM AUTHOR]

Currently, with the acceleration of urbanization, traditional transportation modes are increasingly causing congestion, pollution, and resource waste, drawing widespread attention to Transit-Oriented Development (TOD). TOD is an urban development concept that advocates the implementation of high-density, mixed-use land utilization around transit stations to encourage the use of public transportation, reduce reliance on private vehicles, and achieve more sustainable urban growth. The 'node–place' model is a classic analytical framework in TOD typology, forming the foundation for assessing TOD effectiveness. However, this model requires expansion due to its limited adaptability. This study aims to bridge this gap by proposing an innovative, network-based 'node–place–convenience (NPC)' model to enhance insights on the overall assessment of metro networks. Using a combination of CRITIC weighting and K-means++ clustering, this study evaluates TOD in cities with metros in the middle reaches of the Yangtze River. By assessing node, place, and convenience values of metro stations, this study compares how different urban structures, population distributions, and metro network configurations impact travel behavior, economic vitality, and regional sustainability. The results show that TOD degree in Wuhan decreases from urban to suburban areas, presenting 'center to sub-center' pattern in Changsha, and presenting 'ring-radial' distribution across the city center in Nanchang. The clustering results divide TOD benefits into six groups, with Changsha performing the best, followed by Wuhan, while Nanchang still has room for improvement. The average TOD benefits for Wuhan, Changsha, and Nanchang are 0.28, 0.35, and 0.28. [ABSTRACT FROM AUTHOR]

This research aimed to study correlation of variables and create an equation for predicting actual use of mobile cloud learning. The participant sample comprised 1,080 vocational students from 27 vocational and technical schools. Data analysis involved descriptive statistics, correlation and hierarchical stepwise multiple regression. This research found the independent variables of actual use of mobile cloud learning were Basic ICT skill (BAS), System Quality (SYS), Convenience (CON), Perceived Ease of Use (PEOU), and Perceived Usefulness (PU) which were related to actual use of mobile cloud learning at a significance level of 0.05 and explained 61.90 percent of the variance. The raw score equation was "ACU = .258 + .094 BAS +.434SYS + .129 CON + .023PEOU + .536PU". The standardized score was "ZACU = .099ZBAS + .429ZSYS + .113ZCON + .192ZPEOU + .562ZPU". [ABSTRACT FROM AUTHOR]

Online consumer shopping patterns have changed significantly due to technological innovations. This current study examines the interplay between hedonic and utilitarian value and the role of perceived usefulness in determining consumers' trust in shopping, mainly through online grocery delivery applications. Trust in technologyoriented devices is of great interest, and this study adds new knowledge to the extant literature. A total of 462 online grocery delivery application users completed the online survey. A convenience sampling method was used. Online questionnaires were analysed using the structural equation modelling software AMOS. Empirical findings established that the perceived usefulness of online grocery delivery apps positively and statistically influenced perceived trust. Utilitarian benefits were found to have a stronger predictor of perceived usefulness than hedonic benefits. Scholarly contributions were provided to those in the grocery retail industry and academics in related scholarly fields, specifically regarding novel research on trust building anchored in perceived usefulness among consumers. The study further provides guidelines for future research that will ideally benefit the online grocery retail sector. [ABSTRACT FROM AUTHOR]

Copyright of Jurnal Ekonomi Manajemen Sistem Informasi (JEMSI) is the property of Dinasti Publisher and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Abstract Background The use of welfare technology is gaining ground in municipal eldercare and is increasingly being integrated into everyday routines. However, the meanings that eldercare personnel attach to welfare technology in the care of older recipients, and thus the domestication of welfare technology, remain largely underexplored. This study explores how eldercare personnel understand and ascribe meanings to welfare technologies in their daily work, with the aim of understanding their domestication. Methods The empirical material comprised 181 photographs, each paired with corresponding text, from 61 participants across four municipalities in southern Sweden. The empirical material was thematically analysed, focusing on different categories of welfare technologies and their ascribed meanings. In our coding “convenience” and at times “inconvenience” were interpreted as recurrent patterns. Their repeated presence across various contexts and the meanings ascribed to different welfare technologies prompted deeper interpretive engagement, leading us to adopt it as a key theme. In the final step, the codes were synthesised through the lens of “convenience” to better understand the meanings participants attached to welfare technology in eldercare work. Results The participants ascribed meanings to welfare technology that resonate with broader societal and cultural understandings of technological solutionism, while aligning with national policies promoting welfare technology as a means of supporting safety, activity and independence for older adults. Welfare technology was often understood as both convenient and an act of care. Our analysis uncovered different dimensions of “convenience”, which we labelled as: “remote surveillance convenience”, “logistics convenience”, “communication convenience”, “safety convenience”, “comforting convenience” and “activation convenience”. Yet, in some cases, welfare technology was also seen as a hindrance to care, being inconvenient due to its inflexibility, technical difficulties and the tendency to create duplicate tasks. Conclusion This paper contributes to a deeper understanding of the domestication of welfare technology in eldercare. Our study found that eldercare personnel engage with and interpret welfare technologies by ascribing meanings related to perceived convenience — a concept not widely explored in this context. Welfare technologies were often seen as convenient substitutes for physical proximity and relational care, such as “remote surveillance convenience” through cameras and “comforting convenience” via robotic pets. However, convenience, while central to the participants’ experiences, should not be understood as inherently “good” or positive but as part of the domestication process, shaped by socio-technical contexts and the political economy of eldercare, which prioritises effectiveness and efficiency. By shedding light on these dynamics, our study examines how the domestication of welfare technology is shaped by and reinforces broader discourses of technological solutionism, raising questions about its long-term impact on care practices.

Online consumer shopping patterns have changed significantly due to technological innovations. This current study examines the interplay between hedonic and utilitarian value and the role of perceived usefulness in determining consumers’ trust in shopping, mainly through online grocery delivery applications. Trust in technology-oriented devices is of great interest, and this study adds new knowledge to the extant literature. A total of 462 online grocery delivery application users completed the online survey. A convenience sampling method was used. Online questionnaires were analysed using the structural equation modelling software AMOS. Empirical findings established that the perceived usefulness of online grocery delivery apps positively and statistically influenced perceived trust. Utilitarian benefits were found to have a stronger predictor of perceived usefulness than hedonic benefits. Scholarly contributions were provided to those in the grocery retail industry and academics in related scholarly fields, specifically regarding novel research on trust building anchored in perceived usefulness among consumers. The study further provides guidelines for future research that will ideally benefit the online grocery retail sector.

Abstract Firm location studies traditionally assume that this is business that attracts other business to a given location. They focus on knowledge transfers between the most productive and innovative firms and analyse agglomeration economies arising from matching, learning and sharing mechanisms. We argue that the population density also attracts firms to the place. Therefore, we extend this stream of research by using the concept of economies of density to discuss the effects of the attraction of firms by population. Our study explores the existence of the hierarchical causal mechanism that occurs when 2nd line firms understood as non-innovative, less productive retail and service businesses together with human settlement create an environment that attracts 1st line firms - the most innovative and productive businesses. We show that population density and business agglomeration jointly affect the location of firms in different sectors and should be considered as complementary rather than substitutable attraction factors.

Problem, research strategy, and findings: As active transport planning gains momentum worldwide, our study underscores the importance of connecting people and places by focusing on the convenience dimension of walkability. Specifically, we used the pedestrian detour ratio (PDR) to measure the degree of circuity of a walking route. We considered residential buildings as origins and 10 different types of public facilities as destinations within the walkable range of 1 km. This led to a territory-wide analysis covering 3.85 million origin–destination pairs in Hong Kong. Overall, walking convenience was the best in the central business district (CBD), but variations existed by district and by facility. Through an assessment matrix, 35.8% of home–destination pairs required attention. When examined at the street block and village cluster levels, walking inconvenience was associated with vehicle-oriented street blocks (with higher vehicular traffic and more private parking spaces), high-income areas, and difficult terrain. Pedestrian crossings, major roads, and bus stops enhanced route directness. This research is a first step in helping quantify the PDR distribution across different cities and their various functional areas. Takeaway for practice: In areas where walking is inconvenient, treatments to calm vehicular traffic and facilitate pedestrian crossings should be stipulated. In the longer term, we recommend integrating the PDR in the design and planning of streets, especially around essential facilities. [ABSTRACT FROM AUTHOR]

This article explains the widespread adoption of Quick Response (QR) codes from a media genealogy perspective. Understanding QR codes as more than the materiality of their machinic embodiments and rather as a method of systematically and repeatedly addressing emergent problems, I argue that the operative logic of QR code is that of convenient efficiency. Convenient efficiency captures three dynamics that drive QR codes' ubiquity: the potentiality of spontaneous system synergies (system/distributed convenience coupled with streamlined efficiency); the autonomy of the subjects involved as part of this cybernetic system (personal convenience coupled with stacked efficiency); and the relative independence of the networks/assemblages that these practices constitute (convenient efficiency). That the convergence between convenience and efficiency as driving forces in contemporary technological culture has origins in the shop floor is consequential to the way motion, time and the body become disciplined—as well as the epistemological practices that cohere around these forces. [ABSTRACT FROM AUTHOR]

In the United States, technology has become deeply integrated into all facets of daily life, resulting in a significant increase in data collection. Privacy, the main driving force of this research has been a topic of concern for a long time around the world and especially in the United States. The narrative review dives into the history of privacy and fast-forwards to a discussion on contemporary and modern privacy issues. This study undertakes a comparative analysis of peer-reviewed articles and legislative documents about user privacy and convenience. It identifies several emerging themes, provides examples, and discusses potential legislative changes and improvements. [ABSTRACT FROM AUTHOR]

The objective of this study is to foster the e-banking services that how convenience, internet knowledge, security and risk factors effects on customer delight. The rise of internet banking has dramatically changed how customers interact with financial institutions, making it essential for banks to identify the key drivers of customer delight. This research explores the critical factors that contribute to a satisfying internet banking experience, including user-friendliness, transaction efficiency, personalized services, and robust support. Data was collected from 657 customers of national bank limited in Pakistan with the help of questionnaire. Out of 657 responses 438 responses were selected for data analysis and responses with incomplete and missing information is excluded. The data is analyzed with the help of SPSS A results revealed that Convenience, and reliable assistance are crucial in fostering customer delight. As the regression analysis further identifies convenience as a significant predictor, confirming its impact on customer delight satisfaction. Furthermore, The regression analysis also supports perceived risk, indicating that higher perceived risk substantially increases customer delight satisfaction. The findings emphasize the significance of building trust and ensuring the security of online transactions. By understanding these factors, banks can optimize their internet banking services, enhance customer satisfaction, and drive business success. [ABSTRACT FROM AUTHOR]

The rapid evolution of digital business necessitates adaptation. This study examines how service quality influences customer satisfaction and loyalty among BNI Mobile Banking users. A quantitative approach was employed to analyze 125 active BNI Mobile Banking customers with at least 5 million rupiah in savings and under 60 years old from the BNI KCP Ampel branch. Path analysis using Smart PLS 4.0 software was conducted to determine the relationships between service quality dimensions (assurance, convenience, reliability, efficiency) and customer satisfaction and loyalty. Results indicate that assurance, convenience, and reliability positively impact satisfaction, which in turn positively affects loyalty. While satisfaction mediates the influence of assurance and reliability on loyalty, it does not mediate the effects of comfort, efficiency, and convenience on loyalty. Essentially, the study found that improving assurance, convenience, and reliability of BNI Mobile Banking can enhance customer satisfaction, leading to increased loyalty. However, comfort, efficiency, and convenience directly impact loyalty without being mediated by satisfaction. [ABSTRACT FROM AUTHOR]

Firm location studies traditionally assume that this is business that attracts other business to a given location. They focus on knowledge transfers between the most productive and innovative firms and analyse agglomeration economies arising from matching, learning and sharing mechanisms. We argue that the population density also attracts firms to the place. Therefore, we extend this stream of research by using the concept of economies of density to discuss the effects of the attraction of firms by population. Our study explores the existence of the hierarchical causal mechanism that occurs when 2nd line firms understood as non-innovative, less productive retail and service businesses together with human settlement create an environment that attracts 1st line firms - the most innovative and productive businesses. We show that population density and business agglomeration jointly affect the location of firms in different sectors and should be considered as complementary rather than substitutable attraction factors. [ABSTRACT FROM AUTHOR]

AbstractMobile apps have emerged as a leading digital tool for marketers to leverage consumers’ desire for convenience. Existing scales for measuring convenience in e-commerce do not capture the nuances specific to mobile apps. Using a mixed-method approach, we develop a multidimensional mobile app convenience (M-app-Conv) scale unique to mobile apps. The proposed instrument exhibiting robust psychometric properties across multiple samples captures the following dimensions- accessibility, searchability, evaluability, customizability, transactability, order fulfillment, post-order service, and operability. These dimensions are unique and distinctive and integrate to form a hierarchical second-order M-app-Conv factor. Moreover, respondents demonstrate a consistent conceptualization of the instrument across different nations, supported by evidence of measurement invariance. The M-app-Conv instrument contributes to the service literature and has management implications for retail businesses. [ABSTRACT FROM AUTHOR]

Using a quantitative methodology, this study analyzes primary data from 10 Pegadaian Syariah AR Hakim Medan customers via questionnaires. Sampling methodology is the method that is used. Subsequently, route analysis and SPSS Version 25 software were used to process and evaluate the gathered data. Tests for instrument validity and reliability, statistical tests (determination test, partial test (t-test), and simultaneous test (f-test), and testing for classical assumptions (data normality, multicollinearity, and heteroscedasticity) were all included in the study. The findings of the study indicate that although mun'ah fees do not significantly affect customer happiness, service quality and convenience do have a beneficial impact on contentment. Customer loyalty is positively impacted by customer pleasure. The significance test findings demonstrate that mun'ah fees have no discernible impact on consumer happiness or loyalty. However, with a 95% trust level and a 5% mistake rate, service quality and convenience have a major impact on client loyalty via satisfaction. [ABSTRACT FROM AUTHOR]

Copyright of Environmental & Social Management Journal / Revista de Gestão Social e Ambiental is the property of Environmental & Social Management Journal and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Indonesia has the potential for very abundant tourist areas. Each region or province still has many unexplored tourism potential or hidden gems. Indonesia consists of five main islands with 30 small islands, totaling 18,110 islands, with inhabited islands of around 6,000. Indonesia is one of the mega-biodiversity countries in the world, which means Indonesia has a high level of biodiversity. Indonesia has a rich cultural heritage; there are more than 300 ethnic groups, or 1,340 ethnic groups, in Indonesia. Information and communication technology (ICT) experience immense growth and change the way people search for information and purchase things through online networks, including travel booking. People easily search for any information regarding travel from multi channels available on their smartphone, including information about travel. This project is using a design thinking method which is a problem-solving approach that emphasizes empathy for the user, experimentation, and iteration. Each strategy needs clear performance measurements to make sure the business is doing well throughout its operations, both financially and non-financially. The business model of Trip ID seems promising as it ventures into a blue ocean with a unique product, targeting a niche market. The conversion process appears feasible and has shown promise. However, a significant challenge lies in gaining market share, as well-established competitors currently dominate 60% of the market. [ABSTRACT FROM AUTHOR]

Artificial intelligence (AI) and the continuous advancements in technology have changed how individuals live and how organisations function. The move to automation questions the need for and value of manual labour, particularly in the field of strategic communication. It has raised concerns about the future of jobs in the communication field and the role of humans in these advancements. The principles of the theory of disruptive innovation are applicable to the study. This study aims to explore the role of AI in the strategic communication industry. Semi-structured interviews with communication professionals in the South African strategic communication industry were conducted to explore their knowledge of AI and its role in the industry. Participants indicated a basic knowledge of the role of AI in the industry, agreeing that AI offers the benefits of convenience and efficiency. However, human input should remain valuable and training in AI technologies should be prioritised. This study contributes to the limited research on the role of AI in the strategic communication industry in South Africa. [ABSTRACT FROM AUTHOR]

Digital learning is essential to explore digital platforms at university. The study considered a quantitative approach to examine the impact of digital learning on student satisfaction at various universities during COVID-19 in Nepal. The paper also focused on analyzing the mediating effect of instructor facility on student satisfaction. Several pieces of information were attained from the 225 students of Tribhuvan University, Kathmandu University, Purbanchal University, Pokhara University, and Rajarshi Janak University through stratified random sampling techniques. Data was converted into valuable information by analyzing raw data through SPSS software and used for frequency analysis and exploratory factor analysis. Next-level analysis was performed by AMOS software for structural equation modeling to examine student satisfaction with digital learning and the mediating effect of instructor facility. The result of the paper found all dimensions significantly influenced on mediating construct of instructor facility and student satisfaction. It also identified convenience as the most influential factor than technology in instructor facilities. However, the result demonstrates that technology was the most influential factor, rather than convenience, on dependent construct student satisfaction. It revealed that instructor facility significantly affects student satisfaction. So, digital learning becomes effective, and efficient, when convenient digital portals, technology facilities, instructors' knowledge, educational institution systems, and students are thoroughly engaged with it.

In the modern age, the card payment business has flourished in Pakistan. Many multinational and national commercial banks have not only introduced debit cards but also many types of credit cards with distinct payment plans, and they are broadly used as financial instruments in consumer financing. The purpose of this research is to identify the distinctive components that cause credit card debt and how Pakistanis are snared into a debt trap by using credit cards. For this purpose, the study examines the effects of credit card usage (CCU), materialism (M), installment plan (IP), convenience (CONV), religiosity (R), and financial literacy (FL) on a dependent variable, debt trap (DT). Furthermore, the moderation impacts of R, FL, and CONV are tested too. The quantitative research approach and cross-sectional research design were applied. The data was collected from 297 credit card users by using a convenience sampling technique that shows a 79.2 % response rate. The Partial Least Square (PLS)-Structural Equation Modeling (SEM) technique was employed for data analysis. The Partial Least Square (PLS)-Structural Equation Modeling (SEM) direct effect has shown that CCU, M, IP, CONV, and R have a significant relationship with DT while FL has an insignificant relationship with the DP. In other words, the indirect effect has shown that FL is not significantly moderate in the relationship between R and DT. Likely, CONV does not significantly moderate the relationship between CCU and DP, however; other indirect effects show a significant moderated relationship of all other independent and dependent variables. Most of the moderating effects are supported, therefore the moderating effects are significant contributions. The study findings could help banks and regulatory bodies in launching these types of credit cards which are under shariah complaints about captivating the users to use the credit card without any fear. This research is a pioneer study in the context of the Pakistan banking sector along with three moderators, religiosity, financial literacy, and convenience. Based on the findings of this research, policymakers and financial institutions in Pakistan should consider introducing Shariah-compliant credit cards that align with users' religious beliefs, while promoting financial literacy programs to better educate consumers on responsible credit card usage and debt management, thus preventing them from falling into debt traps.

Digital bookkeeping is a financial innovation that serves a critical function in documenting the financial transactions of businesses. The aim of this study is to predict factors that influence the intention of Micro, Small, and Medium Enterprises (MSMEs) in Cirebon, Java, Indonesia to utilize digital bookkeeping. This study uses a quantitative approach to gain the perception of 225 MSMEs that represent a wide range of industrial sectors. The valid data was analyzed using Structural Equation Modeling (SEM) through Partial Least Square. The findings show that perceived usefulness, perceived ease of use, and convenience are factors that impact the intention of MSMEs to adopt digital bookkeeping, while perceived usefulness, perceived ease of use, and convenience have no effect on continuance intention. This research has practical implications for the development of effective financial management systems for MSMEs, enabling the monitoring of business growth systematically. This study makes a valuable contribution to the advancement of knowledge concerning the adoption of technology in the financial sector and enhances the Technology Acceptance Model (TAM) through its innovative approach.

The rapid growth of online shopping has transformed consumer purchasing patterns, highlighting the critical role of convenience, trust, and behavioral factors. Analyzing data from 263 respondents, findings reveal that convenience and trust metrics significantly influence virtual shopping behaviors, accounting for 50.1% of the variance in consumer decisions. From this perspective, the influences of product review, promotion, and free shipping add to the large explanation variance in making a purchase decision. A socio-demographic profile provides a clearer picture of a welleducated, fully employed demographic aged between 25-34 years that is frequently engaged in online purchases. These are also forming a backdrop for insights in which optimization by convenience, security, and behavioral factors becomes important in developing the online shopping experience for increased consumer satisfaction. These findings provide actionable guidance for e-commerce businesses wanting to fine-tune their digital strategies and accommodate the evolving expectations of consumers. [ABSTRACT FROM AUTHOR]

This study investigates the determinants of consumer satisfaction and behavior in online shopping, specifically within the North Karnataka region of India. In the rapidly growing e-commerce industry, understanding these determinants is critical for businesses to enhance customer satisfaction and loyalty. The research focuses on website usability, trust, convenience, monetary benefits, and payment security, which influence consumer purchase decisions. Additionally, the study explores shopping cart abandonment and the effectiveness of return and replacement policies. The findings provide insights into the unique characteristics of online shoppers in North Karnataka, highlighting the significance of tailored e-commerce strategies for semi-urban and rural areas. The study concludes that secure transactions, user-friendly interfaces, and effective loyalty programs are pivotal in driving consumer satisfaction and online shopping behavior in this region. [ABSTRACT FROM AUTHOR]

Antiretroviral therapy (ART) can be personalized through simple formulations with high resistance barriers, favorable safety profiles, and novel administration routes. Switching treatments has become a key clinical strategy for addressing drug toxicity and interactions and enhancing adherence and convenience. This strategy aims to improve the quality of life and long-term efficacy, even in challenging cases like people living with HIV (PLWH) with multiple comorbidities, prior virological failure, and drug resistance. The authors reviewed clinical trials and cohort studies providing evidence of benefits and risks of current antiretroviral (ARV) drugs as switching options for PLWH in various scenarios. The literature search included clinical trials, meta-analyses, observational studies, and review articles in English published after 2000, and current HIV treatment guidelines in English and Spanish as of February 2024. New ARV drugs offer advantages in efficacy and safety over previous options but may also have adverse effects. Second-generation integrase inhibitors and tenofovir alafenamide show benefits as switching options in various scenarios, though more research is needed on potential weight gain and metabolic issues. Injectable long-acting ART is promising for switching strategies, but finding the optimal combination of new drugs remains challenging. [ABSTRACT FROM AUTHOR]

The aim of the study is to examine the various work from home related factors which help in bringing about improved employee work engagement based on the work assigned to them. The study employed a quantitative research approach, positivism research philosophy, and case study research design. The study made use of 201 participants, with data collected through questionnaire and online survey tool (Google Form). Participants for the study were sampled from AmIT Global Solutions, AppCable Sdn Bhd, IWG 3.2, Regus Management Malaysia Sdn Bhd, Deventure Sdn Bhd, and Texas Instruments. The three hypotheses proposed in the study were examined using multiple regression analysis. The results show that work from home autonomy, safety, and convenience increase employee engagement levels. The findings implied that work from home when adopted and implemented in an effective manner, increases employee work engagement. The results also aligned with the assumption of Herzberg Two Factor theory which holds on to the impact of work from home autonomy, which is a motivational factor and the impact of work from home safety and convenience, which are hygiene factors. In the absence of both factors, employees are less engaged (disengaged). The study has a limitation of small sample size with quantitative research approach. [ABSTRACT FROM AUTHOR]

Introduction: Topical treatments (TT) are widely used in psoriasis management. While psoriasis itself has been associated with diminished quality of life and mental well-being, the impact of TT remains underexplored. This study aimed to evaluate the burden of TT on the daily lives of patients with psoriasis, the convenience of the TT, and the choice criteria. Methods: Patients were recruited across five countries (France, Germany, Italy, Spain, UK) by Wefight and the International Federation of Psoriasis Associations (IFPA) to complete a 29-item online survey. Results: A total of 766 patients completed the survey (54% female, mean age of 53 years). The mean body surface area covered by psoriasis was 7%, predominantly on the scalp and elbows. Participants had been living with psoriasis for a mean duration of 18 years. Of the respondents, 34% reported feeling affected by their TT in their daily routines and activities. Those feeling affected were more likely to have a more complex disease, be using more treatments, or be diagnosed more recently compared to those less affected. Among those most affected by their TT, 27% reported a strong impact on mental health, 30% on sexual life, and 25% on physical activities, compared to 7%, 6% and 4% in those least affected, respectively. Both cohorts considered tolerability factors such as "does not cause itching/burning" and "good tolerability" as most important when choosing a topical. However, only least affected participants regarded convenience factors such as "does not run off," "ease of application," "does not leave stains" among others equally as important. Conclusion: Overall, one-third of patients report a significant burden of TT on their daily lives. These patients have different criteria of choice, highlighting the importance of communication between physicians and patients to tailor treatment to individual preferences, thereby enhancing adherence and treatment outcomes. [ABSTRACT FROM AUTHOR]

Cybersecurity breaches pose a substantial concern in the digital era. We investigate how customers respond to multiple unexpected data breaches of their information in India. Difference-in-differences estimates show that digital payments declined by 9% relative to cash payments immediately after an unexpected data breach in a food delivery platform, but the gap disappeared three months later. Customer entry and exit also exhibit weak, short-lived changes. Additional analyses on bank and online grocery data breaches uncover even weaker effects of data breaches. Our findings imply that the perceived benefits of convenience outweigh the costs of payment security risks. This paper was accepted by David Sraer, finance. Funding: This work was supported by the MOE (Ministry of Education in China) Project of Humanities and Social Sciences [Project 20YJC790183], National University of Singapore [Start-Up Grant A-0003870-00-00], the National Natural Science Foundation of China [Grant 72150004], and the National Nature Science Foundation of China [Grant 72203112]. Supplemental Material: The online appendices and data are available at https://doi.org/10.1287/mnsc.2021.01335. [ABSTRACT FROM AUTHOR]

AbstractTelemedicine is an emerging option to improve patients’ medical outcomes and overcome health disparities. The technology is a cost-effective alternative to in-person medical treatments and can supplement medical care to alleviate stress on the medical infrastructure in the upcoming decade. This study uses survey methods to investigate the patient population’s intention to use telemedicine and assess the influence of different variables on telemedicine usage choices. Findings show that loss of income, trust in physicians, and time lost reduce intention to use telemedicine. The results carry implications for the healthcare industry, lawmakers, social workers, community activists, and family caregivers who bear the burden of helping loved ones with everyday tasks. [ABSTRACT FROM AUTHOR]

This review delves into the powder derived from various non-vegetarian sources, including eggs, pork, chicken and fish, with the primary objective of enhancing convenience and portability, preserving nutrient content and addressing the prevalent challenge of storing non-vegetarian foods, typically high in moisture. The incorporation of such powders in different food products is explored, emphasizing their potential to serve as a versatile nutritional component. These powders contain an array of nutraceuticals, with fish being rich in omega-3 fatty acids, egg yolk abundant in ovalbumin and chicken providing essential amino acids, alongside a plethora of vitamins and minerals. Their application spans from protein powder formulations to baking products and as supplements to meet daily nutritional requirements. Moreover, the nutraceutical profile of these powders offers various health benefits, such as promoting brain and heart health, reducing the risk of anaemia and lowering bad cholesterol levels. [ABSTRACT FROM AUTHOR]