Aim/Purpose: This study investigates the intention to invest in online peer-to-peer (P2P) lending platforms among the bottom 40% (B40) Malaysian households by income. Background: The B40 group citizens earn less than USD 1,096.00 (i.e., RM 4,850.00) in monthly household income, thereby possessing relatively small capital investments suitable for online P2P lending. Methodology: Drawing on the technology acceptance model (TAM), this research developed and tested the relevant hypotheses with data collected from 216 respondents. The partial least square structural equation modelling (PLS-SEM) technique was employed to analyse the collected data. Contribution: This study contributes to the body of knowledge on financial inclusion by demonstrating the relevance of modified TAM in explaining the intention to invest in online P2P lending platforms among investors with lower disposable income (i.e., the B40 group in Malaysia). Findings: The findings revealed that information quality, perceived risk, and perceived ease of use are relevant to B40 investment intention in P2P online lending platforms. However, contrary to expectations, trust and financial literacy are insignificant predictors of B40 investment intention. Recommendations for Practitioners: The P2P lending platform operators could enhance financial inclusion among the B40 group by ensuring borrowers provide sufficient, relevant, and reliable information with adequate security measures to minimise risk exposure. The financial regulators should also conduct periodic audits to ensure that the operators commit to enhancing information quality, platform security, and usability. Recommendation for Researchers: The intention to invest in online P2P lending platforms among the B40 group could be enhanced by improving information quality and user experience, addressing perceived risks, reassessing trust-building strategies and financial literacy initiatives, and adopting holistic, interdisciplinary approaches. These findings suggest targeted strategies to enhance financial inclusion and investment participation among B40 investors. Impact on Society: The study’s findings hold significant implications for financial regulators and institutions, such as the Securities Commission Malaysia, Bank Negara Malaysia, commercial and investment banks, and insurance companies. By focusing on these key determinants, policymakers can design targeted interventions to improve the accessibility and attractiveness of P2P lending platforms for B40 investors. Enhanced information quality and ease of use can be mandated through regulatory frameworks, while effective risk communication and mitigation strategies can be developed to build investor confidence. These measures can collectively promote financial growth and inclusion, supporting broader economic development goals. Future Research: Future research could expand the sample size to consider older B40 individuals across different countries and use a longitudinal survey to assess the actual investment decision of the B40 investors.

Aim/Purpose: This paper aims to investigate and understand the intentions of management undergraduate students in Hangzhou, China, regarding the adoption of Artificial Intelligence (AI) technologies in their education. It addresses the need to explore the factors influencing AI adoption in the educational context and contribute to the ongoing discourse on technology integration in higher education. Background: The paper addresses the problem by conducting a comprehensive investigation into the perceptions of management undergraduate students in Hangzhou, China, regarding the adoption of AI in education. The study explores various factors, including Perceived Relative Advantage and Trialability, to shed light on the nuanced dynamics influencing AI technology adoption in the context of higher education. Methodology: The study employs a quantitative research approach, utilizing the Confirmatory Tetrad Analysis (CTA) and Partial Least Squares Structural Equation Modeling (PLS-SEM) methodologies. The research sample consists of management undergraduate students in Hangzhou, China, and the methods include data screening, principal component analysis, confirmatory tetrad analysis, and evaluation of the measurement and structural models. We used a random sampling method to distribute 420 online, self-administered questionnaires among management students aged 18 to 21 at universities in Hangzhou. Contribution: This paper explores how management students in Hangzhou, China, perceive the adoption of AI in education. It identifies factors that influence AI adoption intention. Furthermore, the study emphasizes the complex nature of technology adoption in the changing educational technology landscape. It offers a thorough comprehension of this process while challenging and expanding the existing literature by revealing the insignificant impacts of certain factors. This highlights the need for an approach to AI integration in education that is context-specific and culturally sensitive. Findings: The study highlights students’ positive attitudes toward integrating AI in educational settings. Perceived relative advantage and trialability were found to impact AI adoption intention significantly. AI adoption is influenced by social and cultural contexts rather than factors like compatibility, complexity, and observability. Peer influence, instructor guidance, and the university environment were identified as pivotal in shaping students’ attitudes toward AI technologies. Recommendations for Practitioners: To promote the use of AI among management students in Hangzhou, practitioners should highlight the benefits and the ease of testing these technologies. It is essential to create communication strategies tailored to the student’s needs, consider cultural differences, and utilize the influence of peers and instructors. Establishing a supportive environment within the university that encourages innovation through policies and regulations is vital. Additionally, it is recommended that students’ attitudes towards AI be monitored constantly, and strategies adjusted accordingly to keep up with the changing technological landscape. Recommendation for Researchers: Researchers should conduct cross-disciplinary and cross-cultural studies with qualitative and longitudinal research designs to understand factors affecting AI adoption in education. It is essential to investigate compatibility, complexity, observability, individual attitudes, prior experience, and the evolving role of peers and instructors. Impact on Society: The study’s insights into the positive attitudes of management students in Hangzhou, China, toward AI adoption in education have broader societal implications. It reflects a readiness for transformative educational experiences in a region known for technological advancements. However, the study also underscores the importance of cautious integration, considering associated risks like data privacy and biases to ensure equitable benefits and uphold educational values. Future Research: Future research should delve into AI adoption in various academic disciplines and regions, employing longitudinal designs and qualitative methods to understand cultural influences and the roles of peers and instructors. Investigating moderating factors influencing specific factors’ relationship with AI adoption intention is essential for a comprehensive understanding.

Aim/Purpose: This study aims to analyze the factors that influence user addiction to AR face filters in social network applications and their impact on the online social anxiety of users in Indonesia. Background: To date, social media users have started to use augmented reality (AR) face filters. However, AR face filters have the potential to create positive and negative effects for social media users. The study combines the Big Five Model (BFM), Sense of Virtual Community (SVOC), and Stimuli, Organism, and Response (SOR) frameworks. We adopted the SOR theory by involving the personality factors and SOVC factors as stimuli, addiction as an organism, and social anxiety as a response. BFM is the most significant theory related to personality. Methodology: We used a quantitative approach for this study by using an online survey. We conducted research on 903 Indonesian respondents who have used an AR face filter feature at least once. The respondents were grouped into three categories: overall, new users, and old users. In this study, group classification was carried out based on the development timeline of the AR face filter in the social network application. This grouping was carried out to facilitate data analysis as well as to determine and compare the different effects of the factors in each group. The data were analyzed using the covariance-based structural equation model through the AMOS 26 program. Contribution: This research fills the gap in previous research which did not discuss much about the impact of addiction in using AR face filters on online social anxiety of users of social network applications. Findings: The results of this study indicated neuroticism, membership, and immersion influence AR face filter addiction in all test groups. In addition, ARA has a significant effect on online social anxiety. Recommendations for Practitioners: The findings are expected to be valuable to social network service providers and AR creators in improving their services and to ensure policies related to the list of AR face filters that are appropriate for use by their users as a form of preventing addictive behavior of that feature. Recommendation for Researchers: This study suggested other researchers consider other negative impacts of AR face filters on aspects such as depression, life satisfaction, and academic performance. Impact on Society: AR face filter users may experience changes in their self-awareness in using face filters and avoid the latter’s negative impacts. Future Research: Future research might explore other impacts from AR face filter addiction behavior, such as depression, life satisfaction, and so on. Apart from that, future research might investigate the positive impact of AR face filters to gain a better understanding of the impact of AR face filters.

Recently, interest in the correlation between 'contract' in transaction governance and 'trust' in relational governance mechanisms has been growing. This study focuses on issues related to the evolution of contract and inter-organisational trust dynamics in transaction governance and uses mixed research method to investigate sectors related to transaction governance in Taiwan's electronics industry. The study finds higher flexibility in contract implementation to be a promoter of trust between two parties in a relationship, thereby promoting project execution efficiency in the case of Taiwanese firms. Organisational management differs between the East and West; therefore, Western firms should understand how various contractual provisions can be used to accommodate different transactions when cooperating with Taiwanese electronics companies.

Campus discovery is an important feature of a university student induction process. Approaches towards campus discovery differ from course to course and can comprise guided tours that are often lengthy and uninspiring, or self-guided tours that run the risk of students failing to complete them. This paper describes a campus self-discovery induction game (Geospatial Crypto Reconnaissance) which aims to make students aware of campus resources and facilities, whilst at the same time allowing students to make friends and complete the game in an enthusing and exciting way. In this paper we describe the game construct, which comprises of a location, message, and artefact, and also the gameplay. Geospatial Crypto Reconnaissance requires students to identify a series of photographs from around the campus, to capture the GPS coordinates of the location of the photograph, to decipher a ciphered message and then to return both the GPS coordinates and the message for each photograph, proving that the student has attended the location. The game had a very high satisfaction score and we present an analysis of student feedback on the game and also provide guidance on how the game can be adopted for less technical cohorts of students.

ICT (Information and Communication Technologies) in teacher education poses new challenges to faculty and students. This study was carried out to examine factors facilitating and hindering ICT implementation in teacher education institutes in Israel. Findings from our study, administered at two points in time, revealed that providing technological-pedagogical support to teacher educators and their perceptions and beliefs regarding ICT usage were consistent with being either facilitating or hindering factors in the integration process in colleges of education. Professional development of teacher educators in ICT skills and guidance in applying advanced technologies are additional facilitating factors. Resources, mainly time and infrastructure, were mostly a hindering factor with adverse influence on ICT integration. Three levels of successful ICT integration indicated successful implementation: teacher educators’ level, students in their practice, and the organization level in terms of policy.

Soft skills are becoming increasingly important and will be critical for success in the Information Systems profession. Employers complain about a lack in soft skills among graduates from tertiary education institutions. No agreement exists about what these skills actually are, which are of importance, and how acquiring these soft skills should be approached in higher education. The aim of this paper is to research the perceptions of lecturers, industry, and students on soft skills development of students and to identify important soft skills that need to be developed. The paper starts with a problem statement emphasizing the importance of soft skills and the possible lack thereof. This is followed by a literature review, a description of the methodology followed for this research, the results, conclusion, and the references. The research was done at a university in South Africa. Questionnaires consisting of open questions were distributed to lecturers, industry, and students respectively, and qualitative analysis was done on the results. Results show that stakeholders feel that soft skills of students are not developed adequately, that there is some uncertainty about who should be responsible for developing soft skills, and that the development of soft skills is seen as a difficult task. A list is compiled of the most important soft skills according to literature, lecturers, industry, and students. This list can be used in further research on the soft skills of IT-students. Recommendations are made for the teaching and learning of soft skills.

Aim/Purpose: Students face many challenges improving their soft skills such as critical thinking. This paper offers one possible solution to this problem. Background: This paper considers one method of enhancing critical thinking through a problem-solving game called the Coffee Shop. Problem-solving is a key component to critical thinking, and game-playing is one method of enhancing this through an interactive teaching method. Methodology: Three classes of Vietnamese high school students engaged in the Coffee Shop game. The method seeks outcome measurements through the use of analysis of multiple surveys to assess and interpret if critical thinking may have been improved. Contribution: The study may help to understand the importance of problem-solving in the context of an entrepreneurial setting and add to the variation of methods used to deliver the lesson to students in the classroom. Findings: The findings show that practicing problem-solving scenarios with a focus on critical thinking in a time limited setting results in a measured improvement of this skill. Recommendations for Practitioners: The findings suggest that educators could use games more as tools for problem-solving to contribute to their students’ learning outcomes around developing critical thinking. Recommendation for Researchers: More research could be devoted to developing problem-solving and critical thinking skills through game-play models. Impact on Society: Improved critical thinking skills in individuals could make a greater contribution to society. Future Research A comparative study between different high school grades and genders as well as between different countries or cultures.

Aim/Purpose: The aim of the research was to examine the relationship between the sub-dimensions of organizational culture perceptions, such as task culture, success culture, support culture, and bureaucratic culture and job motivations of ISMEK Lifelong Learning Center teachers. Background: It is thought that if teachers’ perceptions of organizational culture and levels of job motivation are assessed and the effects of school culture on the motivation level of teachers investigated, solutions to identified problems can be developed. Methodology: The study was conducted using survey research. The sample population consisted of 354 teachers working for the Istanbul Metropolitan Municipality’s Lifelong Learning Center (ISMEK). The personal information form prepared by the researchers, the School Culture Scale developed by Terzi (2005) and the Job Motivation Scale developed by Aksoy (2006) were administered to the teachers. Contribution: This study will contribute to research on the job motivations of teachers involved in adult education. Findings: The findings indicated that task culture differs according to gender. Teachers report high levels of job motivation, but job motivation varies with gender, education level, and number of years working at the ISMEK Lifelong Learning Center. A significant relationship was found between sub-dimensions of organizational culture and job motivation. Organizational culture explains more than half of the change in job motivation. The sub-dimensions of organizational culture, task culture, achievement culture, and support culture were found to be significantly predictive of job motivation. Recommendations for Practitioners: In order to increase motivation of teachers, a success-oriented structure should be formed within the organization. It is necessary for teachers and managers to support each other and to establish a support culture in their institutions. In order to establish a culture of support, managers need to receive in-service training. Recommendation for Researchers: This study was carried out in the ISMEK Lifelong Learning Center and similar studies can be done in classrooms, training centers, and study centers. Impact on Society: Teachers working in adult education should be afforded a more comfortable working environment that will positively impact job motivation, resulting in a higher quality of education for students. Therefore, this research may contribute to an increase in the number of students who engage in lifelong learning opportunities. Future Research: This qualitative study utilized a relational survey model. A more in-depth qualitative study employing observation and interviews is warranted.

Aim/Purpose: To examine how positive/negative message framing – based on peripheral cues (regarding popularity, source, visuals, and hyperlink) – affects perceptions of credibility of scientific information posted on social networking sites (in this case, Facebook), while exploring the mechanisms of viewing the different components. Background: Credibility assessment of information is a key skill in today's information society. However, it is a demanding cognitive task, which is impossible to perform for every piece of online information. Additionally, message framing — that is, the context and approach used to construct information— may impact perceptions of credibility. In practice, people rely on various cues and cognitive heuristics to determine whether they think a piece of content is true or not. In social networking sites, content is usually enriched by additional information (e.g., popularity), which may impact the users' perceived credibility of the content. Methodology: A quantitative controlled experiment was designed (N=19 undergraduate students), collecting fine grained data with an eye tracking camera, while analyzing it using transition graphs. Contribution: The findings on the mechanisms of that process, enabled by the use of eye tracking data, point to the different roles of specific peripheral cues, when the message is overall peripherally positive or negative. It also contributes to the theoretical literature on framing effects in science communication, as it highlights the peripheral cues that make a strong frame. Findings: The positively framed status was perceived, as expected from the Elaboration Likelihood Model, more credible than the negatively framed status, demonstrating the effects of the visual framing. Differences in participants' mechanisms of assessing credibility between the two scenarios were evident in the specific ways the participants examined the various status components. Recommendations for Practitioners: As part of digital literacy education, major focus should be given to the role of peripheral cues on credibility assessment in social networking sites. Educators should emphasize the mechanisms by which these cues interact with message framing, so Internet users would be encouraged to reflect upon their own credibility assessment skills, and eventually improve them. Recommendation for Researchers: The use of eye tracking data may help in collecting and analyzing fine grained data on credibility assessment processes, and on Internet behavior at large. The data shown here may shed new light on previously studied phenomena, enabling a more nuanced understanding of them. Impact on Society: In an era when Internet users are flooded with information that can be created by virtually anyone, credibility assessment skills have become ever more important, hence the prominence of this skill. Improving citizens' assessment of information credibility — to which we believe this study contributes — results on a greater impact on society. Future Research: The role of peripheral cues and of message framing should be studied in other contexts (not just scientific news) and in other platforms. Additional peripheral cues not tested here should be also taken into consideration (e.g., connections between the information consumer and the information sharer, or the type of the leading image).

Aim/Purpose: The purpose of the current study is to introduce a digital thinking skills (DTS) theoretical model (DTSM) that could support and enhance digital instruction best practices in schools. Methodology: We have taken a mixed-methods approach. Our respondents represent diverse cultural, linguistic, pedagogical, and social heritages. Contribution: The study provides a theoretical model developed by Eshet-Alkalai and Aviram that could impact subsequent digital teaching in schools. The highly accessible model may help teachers understand the cognitive learning outcomes that derive from frequently used digital tools. Findings: We found that teachers do not have a pedagogical concept of digital thinking skills, though many believe such skills might have a positive effect on their learners’ achievements. School culture plays a key role in effective DI delivery. Teachers want better in-service IT instruction. Recommendations for Practitioners: When distance learning has become the order of the day, we recommend practitioners connect pedagogical methodology and disciplinary content with new technology to boost learning outcomes. Recent world events have shown that in many cases practitioners have not been exposed to multiple digital options, especially those that not only present and review learning content but also boost the creation and dissemination of new knowledge. Recommendation for Researchers: We recommend researchers review different types of available resources and their effective implementation in the school curricula in order to foster creativity and more profound thinking among teachers and learners. Impact on Society: Better informed and greatly improved DI in schools is clearly crucial for twenty-first-century systems. As we go to press, in the middle of the coronavirus world-wide lockdown, these words resonate more than ever before. Our research both highlights this obvious need and provides a heuristic bridge between basic research and classrooms. Future Research: Future studies should focus on a pedagogical digital model that can enhance DI best practices in schools.