Understanding Employees’ Behavioral Intentions Toward Cybersecurity Adoption in Banks: Evidence from an Emerging Economy

The population growth rate of Semarang City has led to an increase of waste volume related to the high volume consumption. Based on data of waste production by the Dinas Lingkungan Hidup (DLH) or Environmental Services of Semarang City (2012 to 2016), households are the largest sector contributed to the volume of waste. In Government Regulation No. 81/2012 on Waste Management of Household, the community must be responsible for the waste. Tambak Lorok in Tanjung Mas area is classified as the area with the worst waste management in Semarang City. Therefore, there is a discourse that the government needs to develop 3R’s program to increase community participation. This paper aims at understanding and identifying the determinants that influence the 3R’s behavior of the community in Tanjung Mas by using the Theory Planned Behavior (TPB). The results of the present study indicated that attitude has the strongest relationship with the 3R’s behavior intention and is the most significant variable. Meanwhile, subjective norm, perception of behavioral control and situational factor are insignificant. The 3R’s behavior intention has a strong and significant relationship to 3R’s behavior. The government should make a campaign of 3R so that people who have negative attitudes toward 3R can have an awareness and more positive attitude hence the subjective norms for 3R behavior can be established. In addition, the government also needs to provide trainings for waste recycling.

Background: The theory of planned behavior (TPB) is an effective framework for identifying behavior and related influencing factors. Objectives: The aim of this study was to develop and psychometrically test a new scale using TPB, comprising two types of measurement [direct and belief-based (indirect)], to assess treatment staff's intention to converse on sexual issues with postmenopausal women. Methods: This is a mixed exploratory-sequential study with three phases: A qualitative stage, an instrument development phase, and phase 3 (predictability of the TPB-based model). The first stage included a qualitative section performed using the content analysis method on 27 participants (13 midwives and 14 general practitioners). In the instrument development stage, questions were designed based on the findings of the qualitative stage. It was administered to a sample of 10 individuals to evaluate face and content validity. In the third stage of the study, a correlational study was used to predict sexual discussion behavior based on TPB in a sample of 208 individuals. Data analysis was performed using Amos software and SPSS. Results: From data analysis, 226 codes, 54 sub-categories, and 18 categories were obtained, which were classified under the themes of attitude, perceived behavioral control, intention, and behavior. In the instrument development stage, 121 questions and five factors were developed based on TPB. In the third stage of the study, structural analysis showed that the five-factor model (including attitude, abstract norms, perceived behavioral control, intention, and behavior) had a sufficient fit [Adjusted Goodness-of-Fit Index (AGFI) = 0.89, Root Mean Square Error of Approximation (RMSEA) = 0.07, Comparative Fit Index (CFI) = 0.9, Goodness-of-Fit Index (GFI) = 0.94], and the degree of freedom was equal to 2.87 in chi-square. Attitude had positive and significant effects, and perceived behavioral control had significant negative effects on the intention to discuss sexual issues. Behavioral intention had positive and significant effects on the studied behavior, but perceived behavioral control had negative and significant effects on the behavior. The multiple predicted coefficient value (R2) was 24% and 37% for the intention to talk about sexual issues and start talking about sexual issues, respectively. Conclusions: The questionnaire on predicting conversation on sexual issues by the medical staff demonstrated good predictive power.

Purpose—This study aims to develop an integrated model of mobile banking adoption by integrating the Unified Theory of Acceptance and Use of Technology (UTAUT), Task Technology Fit (TTF), and the Initial Trust Model (ITM). It examines the relationship between acceptance factors, technology task alignment, and trust in affecting behavioural intention and adoption, and evaluates the moderating effect of financial literacy. Study Design/methodology/approach—A Structured questionnaire was distributed amongst 282 consumers in Islamabad, Pakistan. Data was analysed using Partial Least Squares Structural Equation Modelling (PLSSEM) to assess construct reliability, validity, and hypothesized relationships. Findings— The variance in behavioural intention and adoption was 53.1% and 32.6% respectively, explained by the integrated model. Social influence and facilitating conditions were found to have significant effects on intention, but there were no significant effects of performance and effort expectancy. Technology and task characteristics had a positive influence on TTF, but TTF was found to have no direct effect on adoption. A particular quality of the system proved to be a powerful predictor of intention, while information quality was less influential. Actual adoption was predicted by behavioural intention very well. Financial literacy enhanced behavioural intention and amplified the impact of social influence, particularly among highly literate users. Practical Implications— Reinforcement of trust cues, guarantee of high system quality, maintenance of facilitating conditions, and leverage of social influence among financially literate customers are required from the Banks and fintech providers. Originality/value—The study integrates UTAUT, TTF, and ITM with Financial Literacy as a moderator, which is a novel contribution in the Pakistani mobile banking context.

Due to the technological revolution in financial sector, the transactions in banking system have undergone a tremendous change. Customers have showed their preference over the usage of the plastic money generally over a period of time. Plastic money is an alternative to the cash or the standard 'money'. Plastic money refers to the credit cards or the debit cards that is used to make purchases .Various other types of plastic cards provided by banks in Bangladesh are ATM cards, Smart cards. The current study presents an overview of the development of banking in the plastic cards usage trends since these have been introduced in Bangladeshi banking sector. The study also highlights the problems faced by the users of these cards as electronic payment tool. The Study is been carried out by taking a survey of 68 respondents by non probabilistic convenience sampling method from the city of Dhaka by using structured questionnaire and interview technique. The factors for adoption of plastic money in replacement of cash and paper money have been identified which shows the preference of the customers for plastic cards over the cash and paper money. Some future plans made by various banks and institutions for avoiding the frauds arisen due to the credit and debit cards are also been discussed in a way that it depicts the picture of its future growth and prospects in Bangladesh.

This research has explored how Alternative Work Arrangements (AWA), Work-Family Enrichment (WFE), and Work-Family Supportive Culture (WFSC) impact Work-Life Balance (WLB) among female employees of private banks in Bangladesh which is supported by the Conservation of Resources (COR), Positive Spillover, and Social Exchange theories. It employed a quantitative design and convenience sampling, analyzing the responses of 338 respondents using Structural Equation Modeling (SEM). Results showed that all three factors of AWA, WFE and WFSC were significantly and positively associated with WLB, in that women experience greater satisfaction in their professional life with flexible arrangements, enriching practice and supportive organizational culture. The developed model was found to be strong, with a high R2 value of 0.763 and acceptable fit indices, SRMR 0.061 and NFI 0.867. This research also has important practical implications for organizations which means that it emphasizes the need to assimilate flexible work arrangements, family-friendly policies and reward-enhancing practices in order to foster employee loyalty, satisfaction and performance. Thus, the paper bridges the theoretical rationale and the empirical evidence to offer insights from an emerging economy, the need for retaining employees through ensuring flexibility and support is not only a moral imperative, but a strategic one too.

Investigation and influencing factors of the behavioral intention of nurses voluntarily participating in the care of older adults with disabilities

In recent years, the increasing integration of digital financial services has prompted interest in understanding the factors that influence e-wallet adoption, especially among students in higher education. This study aimed to assess the readiness of graduate students for e-wallet adoption and behavioral intentions at a local university in the Philippines. Specifically, it examined respondents’ readiness along six key factors: perceived usefulness, perceived ease of use, social influence, facilitating conditions, perceived security, and perceived trust, and their relationship to behavioral intention toward online payments. A descriptive-correlational research design was employed, and a validated survey questionnaire was administered to a total of 195 respondents, selected from a population of 285 graduate students enrolled in the second semester of the 2024-2025 academic year. The data were analyzed using descriptive statistics, One-way ANOVA, and Pearson’s correlation coefficient, with statistical significance set at 0.05. Findings revealed that the respondents strongly agreed with most indicators of adoption readiness, particularly in terms of perceived ease of use and usefulness. The study also found a firm behavioral intention to use e-wallets, especially for university-related financial transactions. Among socio-demographic variables, only educational attainment showed a significant difference in perceived usefulness. Moreover, all six factors of adoption readiness were significantly and positively correlated with behavioral intention, with perceived usefulness, ease of use, and facilitating conditions emerging as the strongest predictors. The study concludes that higher education students are generally ready and willing to adopt e-wallets, influenced primarily by how helpful and easy these systems are to use, as well as the support available to facilitate their adoption. These results suggest that institutions and service providers should enhance their security measures, digital infrastructure, and awareness campaigns to improve adoption further and sustain usage. The findings also support the application of the UTAUT framework in local e-wallet adoption contexts.

This research aims to determine technology acceptance of behavior using e-commerce for Social users which is mediated by behavioral intention by testing UTAUT 2 (Unified Theory of Acceptance and Use of Technology 2). This research method uses a quantitative survey approach. The population in this research is all the people of Samarinda City who use Sociolla e-commerce. The sample was taken as many as 299 respondents. The data collection method used in this research is a questionnaire. The sample collection technique used was convenience sampling using Google Form for distributing questionnaires. The analysis technique uses Structural Equation Modeling-Partial Least Squares (SEM-PLS) analysis with WarpPLS 7.0 software. The research results show that performance expectancy, effort expectancy, and social influence have no effect on behavioral intention in using Sociolla e-commerce. Facilitating conditions, hedonic motivation, price value, and habit have a positive and significant effect on behavioral intention in using Sociolla e-commerce. Facilitating conditions, habits, and behavioral intentions have a positive influence on use behavior in using social e-commerce in the city of Samarinda. Sociolla e-commerce users tend to behave automatically because they are used to it. The more frequently users use Sociolla e-commerce, the more spontaneously they will use it when making transactions or shopping online for beauty products.

The aim of this study is to explore and analyze tourists’ behaviour towards Kashmir Valley, India, specifically in terms of their place attachment and intended future behaviour in response to perceived political risk. The study also examines the mediating role of two facets of place attachment (place dependence and place identity) in therelationship between perceived political risk and tourists’ behavioural intentions. The study employed a self-administered questionnaire to gather data from 286 respondents using convenience sampling. Additionally, the structural equation modelling (SEM) approach was employed to analyze the data. The findings showed that perceived political risk does not directly affect behavioural intention; however, political risk perception negatively impacts both place dependence and place identity. Moreover, the results suggest that place dependence and place identity are positively related to behavioural intention. Finally, place dependence and place identity have a fully mediating role in the relationship between perceived political risk and behavioural intention. The results of this study are anticipated to aid destination marketers in understanding how perceived political risk affects the formation of tourists’ place attachment and their future travel behaviour.

Perceived Service Quality, Customer Satisfaction and Behavioral Intention have always been of great interest for marketers. Presentstudy explores the interrelationships among Perceived Service Quality component (i.e. Webs it design, Reliability, Responsiveness, Trust & Personalization), Satisfaction and Behavioral Intention (i.e. Intention to revisit and recommend) for online food ordering service providers. Cross sectional survey design followed with convenience sampling was used to draw a sample of 371 respondents. The hypothesized relationships were tested with the help of Multiple Regression and the mediating effect was analyzed through Hierarchical Regression. Findings of the study propose that perceived service quality is a predecessor of customer satisfaction and satisfaction performs a mediating role between service quality and behavioral intention. Further, perceived service quality directly affects behavioral intention, inferring that the impact of service quality on behavioral intention is as essential as that of satisfaction.

Clinicians’ perceptions about use of computerized protocols: A multicenter study

The study investigates the determinants of green purchase behaviour amongst the millennial cohort in an emerging market of South Africa. The research was theoretically grounded on the diffusion of innovation and the theory of planned behaviour models. A descriptive quantitative research design was followed and primary data was gathered using a self-administered questionnaire. A total of 355 complete responses were suitable for analysis. A partial least squares structural equation modelling technique was used to determine the significance of the interrelationships between the items measuring the study's constructs. Furthermore, the measurement and structural models were assessed. The findings concluded that all the significant independent variables (relative advantage, compatibility and observability) explained 84.0% of the variance in attitude towards green purchase behaviour. Attitudes, subjective norm and perceived behavioural control explained 83.4% of the variance in behavioural intention towards green purchase behaviour and behavioural intention explained 24.2% of the variance in adoption behaviour. It is therefore important for the green industry of South Africa to cultivate the adoption behaviours of green products towards their customer base, thereby securing the further growth of this niche market segment and enhancing purchase behaviours in the long run.

This research investigates the factors influencing usage behavior of the Muamalat DIN application, an Islamic mobile banking service provided by Bank Muamalat Indonesia in Padang City, by applying the UTAUT2 framework. Specifically, the study evaluates the effects of performance expectancy, effort expectancy, and facilitating conditions on users’ behavioral intention, as well as the impact of behavioral intention on actual usage behavior. Additionally, it examines the mediating role of behavioral intention and the moderating effect of user experience on the relationship between intention and use behavior. A quantitative research design was employed, with data collected through a survey of 105 Muamalat DIN users. The data were processed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The findings demonstrate that performance expectancy, effort expectancy, and facilitating conditions exert positive and significant influences on behavioral intention. Behavioral intention, in turn, significantly affects use behavior and serves as a mediator between the antecedent variables and actual application usage. Moreover, user experience significantly moderates the relationship between behavioral intention and use behavior, suggesting that the influence of intention diminishes as users accumulate greater experience. In summary, the sustained use of Islamic mobile banking services is largely shaped by users’ perceptions of usefulness, ease of use, and the availability of adequate supporting infrastructure. This study extends the UTAUT2 literature by offering a post-adoption perspective within the context of Islamic digital banking and provides practical insights for banks seeking to improve service quality and user experience in order to foster continued usage.

Academics are placing emphasis on the need for personnel in the banking sector to undergo behavioral transformation due to the sector’s subpar and inefficient environmental performance. This study examines how green human resource management (GHRM) practices like green recruitment & selection, green training & development, green performance management, and green pay & rewards affect employees in role behavior in Bangladeshi banks. It also examines how workers’ organizational citizenship behavior towards the environment (OCBE) mediates green HRM practices & employees in role behavior. Data from several private and public banks in Bangladesh was gathered between January to June 2024. Data was collected from bank employees in metropolitan cities of Bangladesh utilizing a semi-structured questionnaire and a quantitative study approach. The participants were selected by a non-probability sampling method known as Convenience sampling. Nevertheless, a total of 288 surveys were duly completed and returned. Structural equation modeling, utilizing Smart-PLS second-generation software, revealed the results. This study found four independent variables and one dependent variable. Additionally, it is shown that OCBE acts as a mediator. The study revealed that five of the components exhibited a direct and significant correlation with the independent variables. In contrast, the remaining four factors have a negative correlation with the independent variables. Green HRM procedures in Bangladesh’s banking business are considered adequate but not very satisfactory. These workers also exhibit OCBE and in-role behavior. This study also found positive and negative effects of green HRM strategies on OCBE. The findings also indicated that although most of the banks have established green targets and goals, incorporated environmental concerns into job descriptions and specifications, implemented comprehensive environmental training programs, provided opportunities for green suggestion schemes, and conducted effective workshops to enhance environmental behavior, their actual implementation is insufficient. Moreover, the outcomes of this study have been scrutinized in relation to previous study results. Ultimately, this study provided guidance for future researchers to extrapolate the findings to a broader context.

<p>This study seeks to identify the determinants of behavioural intention (BI) and to examine how BI influences e learning adoption (ELA) behaviour among students. The article investigates the impact of five key factors – Accessibility, Government Policy, Organisational Support, Instructor Attitude, and Technostress – on intention to use and adopt e learning platforms. A validated questionnaire was administered to a heterogeneous sample of 290 participants, and SmartPLS 4.0 was used for the analysis. The findings indicate that Technostress, Government Policy, and Organisational Support have a substantial and positive influence on intention and acceptance of the virtual learning platform, with Technostress emerging as the most influential factor. By contrast, Accessibility and Instructor Attitude are not significant, suggesting that access to digital infrastructure and e learning platforms is generally good, and that students consistently report positive instructor attitudes; as a result, there is insufficient variance for these variables to meaningfully differentiate outcomes in the statistical model. The results show a strong effect of BI on e learning adoption, with a large effect size. In addition, the model explains 53% of the variance in behavioural intention and 49% of the variance in e learning adoption, indicating strong explanatory power. Notably, Technostress has the greatest impact, and its effects can be reduced through immersive and engaging sessions. This suggests that Technostress may sometimes function as a ‘challenge stressor’ rather than a ‘hindrance stressor’, encouraging active engagement rather than avoidance. These issues should be integrated into strategic decision-making to enhance digital education outcomes through a positive, engaging virtual learning system.</p>