International Journal of Electronic Business (25 papers in press)

Regular Issues

• Predicting the intention to adopt mobile banking in Palestine: an extension of TAM with gamification, perceived mobility, and perceived enjoyment  
  by Rania Ahmad Mustafa Abdalla, Mohannad Moufeed Ayyash, Maan Ali Ahmad Alkhateeb 
  Abstract: Due to the proliferation of smartphones and the growth of the Internet, financial institutions now need to provide mobile banking (m-banking). The Bank of Palestine and the Arab Bank in Palestine have implemented these technologies. However, challenges such as institutional and regulatory restrictions, infrastructure issues, and public awareness hinder the development of m-banking. A study involving 172 customers analysed data using IBM SPSS 28.0 and Smart PLS 4. Gamification was found to significantly improve clients’ intents, demonstrating its effectiveness in promoting m-banking usage. However, perceived usefulness and ease of use had little impact on users’ intentions to use m-banking. Perceived enjoyment did not reach statistical significance, suggesting it may not be a key determinant of the desire to use m-banking. Perceived mobility had no real-world repercussions. The study offers recommendations for m-banking service providers and legislators to encourage user adoption and further research in the field.
  Keywords: mobile banking; m-banking; TAM; gamification; perceived mobility; perceived enjoyment; perceived ease of use; perceived usefulness; intention to use; Palestine.
  DOI: 10.1504/IJEB.2024.10064989
   
  
• Webrooming and showrooming shopping behaviour: a bibliometric analysis  
  by Neha Rani, Harbhajan Bansal 
  Abstract: This article aims to use bibliometric analysis to create a framework for the body of literature and pinpoint research gapes in the field webrooming and showrooming. We retrieved 126 research papers from Scopus, published between 2012-2022. The R-based Biblioshiny package and VOSviewer are used to analyze and visualize bibliometric networks, respectively. The earliest article was published in 2012 and increased between 2017 to 2022. Findings revealed the most productive authors, countries, institutions, dominant keywords and core sources. The major limitation is the reliance on single database, namely Scopus, and the relevant studies that are not published in Scopus may remain eliminated. This is the first bibliometric analysis on the theme of webrooming and showrooming shopping behaviour that enables researchers to gather quantitative data related to authors, sources, keywords, citation counts, etc. This data, when linked together and properly analysed, can aid in charting the evolution of the topic.
  Keywords: multi-channel shopping; webrooming; showrooming; bibliometric analysis.
  
  
• The effect of social network users’ relationship quality on social commerce continuance: social support as a mediator  
  by Mayada M. Aref 
  Abstract: Apprehending online consumer behaviours is essential for social commerce development; this research empirically examined the antecedents of social commerce continuance based on social support and relationship quality theories. The data was gathered from 306 Egyptian social media users using a structured online questionnaire. The research hypotheses and the mediating analysis were conducted using structural equation modelling. The findings affirmed the positive association between intention, satisfaction, and social commerce continuance usage. Similarly, the positive effect of commitment and social support on trust was supported. As well as between trust and satisfaction, implying that building trustworthy relationships via social networks increases customer satisfaction. Social support and satisfaction are considered essential in promoting social commerce, as their significant role as mediators was proven.
  Keywords: social commerce continuance; social support; relationship quality; structural equation modelling; SEM; mediating effect; Egypt.
  DOI: 10.1504/IJEB.2024.10065970
   
  
• From farm to table: unveiling the power of e-grocery apps in facilitating fresh agricultural produce to reach consumers  
  by Dienni Ruhjatini Sholihah, Ajeng Septiana Wulansari 
  Abstract: This research study seeks to gain insights into the attitudes and behaviours of Indonesian consumers regarding online grocery shopping. The study examines the influence of factors derived from the technology acceptance model (TAM) on consumers’ intentions to purchase groceries through mobile commerce. It also considers perceived trust as an additional factor. Additionally, the study incorporates the concept of price value as a moderating variable. The findings highlight the significant impact of two key factors: perceived usefulness and perceived trust, on consumers’ intentions to use e-grocery applications. When consumers perceive e-grocery applications as useful, they are more inclined to consider them for their grocery shopping needs. Perceived trust also plays a vital role in shaping consumers’ intentions to purchase through e-grocery applications. By recognising the importance of perceived usefulness and trust, e-grocery providers can improve the user experience and build consumer trust.
  Keywords: online grocery shopping; consumer behaviour; perceived usefulness; perceived trust; e-grocery applications; agricultural e-commerce; technology acceptance model; TAM.
  DOI: 10.1504/IJEB.2024.10066047
   
  
• (Techno)stress and subsequent burnout: how job autonomy enables working professionals to regulate demands with control  
  by Matej Černe, Aldijana Bunjak, Sut-I Wong, Darija Aleksić, Katerina Božič 
  Abstract: This paper focuses on how technostress relates to job stress, and subsequently results in burnout in digitised workplaces. We also propose that job autonomy can buffer the negative effect of technostress. We test our model in a four-wave longitudinal study of working professionals from a nationally representative quota sample (n = 198 employees contributing 792 observations). The results of the study supported our hypothesised model, highlighting that autonomy represents a crucial job design element that mitigates the effects of technostress on burnout over time. Our contributions complement existing research on technostress, specifically narrowing in on short- versus long-term negative outcomes of this phenomenon, and advancing research on stress and burnout in traditional work settings that adopted the high technology use. From a practical perspective, we provide guidelines for organisations on how to maintain the most appropriate ways of designing contemporary jobs that are inherently embedded in technology.
  Keywords: technostress; information communication technology; ICT; job stress; burnout; job autonomy.
  DOI: 10.1504/IJEB.2024.10066123
   
  
• Analysing the critical success factors that lead virtual human resource management in an organisation: interpretative structural modelling  
  by Ajith Kumar Shah, Arjun Yadav, Akanksha Shukla 
  Abstract: In the COVID and post-COVID era, virtual HRM, also known as electronic HRM, plays a crucial role in helping businesses to manage their workforces regardless of their physical location. Remote workers, international teams, and businesses with a scattered workforce may find virtual HRM to be very helpful. It has been noted that organisations are having difficulty integrating virtual HRM; therefore, this research work uses interpretative structural modelling (ISM) to analyse the variables that lead to the implementation of virtual HRM in organisations. The variables that contribute to virtual HRM have been identified and the ISM and MICMAC have been used to develop relationships and group variables as dependent and independent. Nine variables are identified in this study. For the adoption of virtual HRM in organisations, the virtual team is discovered to be the most significant aspect, while e-job design and job analysis are determined to be the least important factors.
  Keywords: virtual HRM; virtual teams; e-job design; e-human resource planning; interpretative structural modelling; ISM; MICMAC.
  DOI: 10.1504/IJEB.2024.10066825
   
  
• Enabling customer engagement through perceived social influence and self-enhancement and assessing its impact on brand love: a study of online buying of electronic wearables  
  by Mukesh Ranakoti, Pradeep Joshi 
  Abstract: India ranks as one of the quickest-growing global internet marketplaces for consumers, and therefore, the development of customer engagement is essential to strengthen the customer-brand relationship. This research intends to study the perceived social influence (PSI) and self-enhancement (SE) as two influencers of customer engagement (CE). It also ascertains brand love as an outcome of customer engagement (CE) concerning the online buying of electronic wearable products. Statistically, it investigates the mediating role of self-enhancement between PSI and CE. We tested our hypotheses using online survey data from 286 respondents. The results of this investigation confirm the significance of PSI and SE as two precursors for CE and the contribution of CE to the development of brand love. Moreover, the results provide significant positive mediation effects of self-enhancement between perceived social influence and customer engagement. It is suggested that online marketers should ensure that customers feel sufficient self-enhancement and social influence to enhance customer engagement while doing online buying.
  Keywords: customer engagement; CE; online buying; electronic wearable products; self-enhancement; SE; perceived social influence; PSI; brand love; BL.
  
  
• The role of mobile web atmospherics in online apparel purchase: the mediating roles of consumer emotions and attitude  
  by Kamalpreet Kaur, Lalit Mohan Kathuria 
  Abstract: This paper aims to analyse the role of mobile web atmospherics in online purchase of apparel. Based on the stimulus-organism-response (SOR) framework, this study also aims to examine the mediating influence of emotions and attitude towards mobile websites on purchase intentions and to assess the effect of purchase intention on consumer satisfaction. A total of 600 respondents were surveyed by using systematic random sampling and then the responses were tested against a conceptual framework using structural equation modelling. Findings revealed that informativeness, navigational cues, effectiveness of information content, and e-service quality significantly influenced attitude towards mobile website, whereas informativeness, navigational cues, enjoyment, response time, and trust significantly influenced consumers’ emotions (pleasure, arousal, and dominance, i.e., PAD). Further, consumer emotions (PAD) positively related to purchase intention; and attitude towards website was positively related to both purchase intention and satisfaction.
  Keywords: web atmospherics; consumers; emotions; attitude; pleasure; arousal and dominance; PAD; stimulus-organism-response; SOR; purchase intention.
  DOI: 10.1504/IJEB.2024.10067002
   
  
• Navigating stock market performance through financial reporting quality with moderation of blockchain technology  
  by Ying Deng 
  Abstract: The study attempts to explore the connection between financial reporting (FR) quality and stock market performance (SMP) from the perspective of China drawing on signalling theory. This study also tried to understand the moderating impact of blockchain technology (BCT) between the relationship of FP and SMP. After applying structural approach using SmartPls on a collected dataset based on 521 sample size, the study found a positive link between FP and SMP. This study additionally confirmed a moderating force of BCT, which influences the relational strength of FR and SMP. This study endows with multiple insights into FP and BCT and how both can productively improve SMP. Besides, this study enlists several implications for management and future directions for researchers.
  Keywords: financial reporting; stock market performance; SMP; blockchain technology; BCT; signalling theory; structure equation modelling.
  DOI: 10.1504/IJEB.2024.10067003
   
  
• Emerging managerial issues in adoption of quick commerce among youngsters in India using extended UTAUT2 framework: transformative trends in retail  
  by Ravishankar Krishnan, Logasakthi Kandasamy, P. Elantheraiyan Perumal 
  Abstract: Following the COVID-19 pandemic, there has been a notable upsurge in e-commerce within India, accompanied by the emergence of quick commerce (Q-commerce). To enhance Q-commerce usage, organisations and supply chain managers must understand the key factors driving customer adoption and the influences shaping their intention to use it. Therefore, the objective of this study is to examine the level of hedonic motivation (HMT) and behaviour intention (BRI) using the extended UTAUT2 in the context of Q-commerce. Data was collected through online and field surveys, with a total of 343 participants completing a questionnaire. Multiple regression analysis was employed to test two developed models. The findings from model 1 demonstrate that hedonic motivation is positively and significantly affected by facilitating conditions, price value, and habit. Similarly, for model 2, the results indicate that behaviour intention is positively and significantly influenced by age, facilitating conditions, price value, and habit.
  Keywords: Q-commerce; UTAUT2; customers; hedonic motivation; behaviour intention.
  DOI: 10.1504/IJEB.2024.10067182
   
  
• Positive externalities of COVID-19 for online businesses: a case of Bangladesh  
  by Md. Khaled Saifullah, Nabila Maruf, Maisha Basharat Chowdury 
  Abstract: The COVID-19 pandemic not only created a global health crisis but also inflicted a major shock on the global economy. During the pandemic, government restrictions and changing consumer behaviours have forced businesses to go online. As for the small and medium-sized enterprises (SMEs), the COVID-19 pandemic has provided opportunities to develop online businesses which provide them with greater scope to increase their consumer and revenue. Therefore, the study analyses the opportunities created by the COVID-19 pandemic for online businesses in Bangladesh which helped online businesses to continue growing in the post-COVID-19 era. This study adopted a quantitative approach based on survey data obtained from 233 businesses in Bangladesh. To analyse the obtained data, the partial least squares (PLS) method was used. The study found that COVID-19 positively influenced businesses to focus more on online platforms and expand their business online. Moreover, COVID-19 also helped online businesses to focus on the challenges businesses have faced. The study suggests that the authorities should ensure cybersecurity for online businesses which will help the businesses gain consumer satisfaction and service quality.
  Keywords: e-commerce; electronic commerce; small and medium-sized enterprises; SMEs; cybersecurity; COVID-19; Bangladesh.
  
  
• A bibliometric retrospection of talent development from the lens of metaverse  
  by Parikshit Joshi, Anshu Singh, Priyanka Rastogi, Pooja Joshi 
  Abstract: This study explores the application of the metaverse in talent development using a bibliometric analysis (BA) methodology. The primary objectives are to evaluate the current state of literature, identify key thematic clusters, and highlight emerging trends in the field. Data for this analysis were sourced exclusively from the Scopus database, resulting in 851 relevant studies. The analysis was conducted in two phases: generating a pool of usable studies through the PRISMA protocol and analysing the data to uncover intellectual, conceptual, and social structures. Key findings include the identification of prominent authors, articles, and journals shaping the field. Rehabilitation, simulation-based training, and virtual reality training emerged as the most prominent themes under the intellectual and conceptual structure. Limitations of the study include the reliance on a single database and the use of only BA methodology, suggesting future research could benefit from a mixed-method approach incorporating systematic literature review (SLR). This study contributes to the human resource development (HRD) literature by providing a comprehensive overview of the intellectual landscape and identifying promising areas for future exploration.
  Keywords: metaverse; talent development; rehabilitation; simulation-based training; bibliometric analysis; virtual reality training.
  
  
• Resistance towards mobile payment: an examination of symbolic adopters  
  by Ling Long Tsai 
  Abstract: The study combines dual factor theory, the technology acceptance model, and user resistance to investigate the influence of technology anxiety and perceived innovativeness on attitude to use and intention to adopt mobile payment. A specific type of non-adopter, known as symbolic adopter, was investigated in the context of mobile payment (MP) adoption in the restaurant industry. Results show that technology anxiety negatively affected symbolic adopters attitude to use MP, whereas perceived innovativeness positively affected attitude to use MP. Attitude to use MP was also found to positively affect intention to use MP. In addition, resistance to change was found to have a moderating effect between perceived innovativeness and attitude to use MP as well as between attitude to use MP and intention to use MP. Findings of this study are beneficial for MP operators and restaurant managers to better target their promotion strategies to appeal to symbolic adopters.
  Keywords: perceived innovativeness; technology anxiety; resistance to change; intention to use; dual factor theory.
  
  
• Examining the correlates and determinants of channel use and channel satisfaction for equity-based investments: the role of fintech  
  by Sunith Hebbar, Siddhartha Singh, Parikshith R. Parashar 
  Abstract: Technological advancement has resulted in the presence of numerous channels for equity-based investments. Therefore, different investors tend to favour different channels, and it is thus critical to understand the user channel preferences and the factors that influence them. This study investigated the key determinants of channel use and satisfaction for various channels in equity-based investments. A questionnaire survey was used to obtain primary data (279 responses) and was then analysed using ordinal logistic regression, which was deemed appropriate, given the nature of the data. The studys findings revealed that demographic factors (gender, age, education, income, and experience) significantly impacted channel use and satisfaction to a lesser extent. Furthermore, channel attitude, responsiveness, trust, cost of service, and internet access was found to be significant, especially for digital services. The findings also indicated responsiveness to negatively impact traditional channel use. Satisfaction and transparency negatively affect banks channels. Accordingly, appropriate implications are drawn and detailed.
  Keywords: channel choice; channel satisfaction; demographic factors; fintech; equity-based investment.
  
  
• Banking on bots: examining user satisfaction and continuance intention of chatbots using multi-group analysis and necessary condition analysis  
  by Sushant Saklani, Devkant Kala 
  Abstract: This study investigates factors influencing user satisfaction in banking chatbot interactions and their impact on users intention to continue using chatbots. Employing a TAM-ISSM integrated model, data from 401 Indian banking chatbot users were analysed using PLS-SEM. Multi-group analysis (MGA) and necessary conditions analysis (NCA) were utilised to explore generational differences and identify must-have determinants of user satisfaction with chatbots. The findings indicate that information quality, service quality, perceived ease of use, and perceived usefulness positively affect user satisfaction. However, system quality and perceived enjoyment showed no significant impact on satisfaction. MGA results underscore significant differences in perceived ease of use between Gen Z and Gen Y users. NCA identifies service quality as a critical determinant for user satisfaction. This research integrates TAM-ISSM perspectives with PLS-SEM, MGA, and NCA methodologies, contributing valuable insights for banks and chatbot developers aiming to enhance user satisfaction and retention in emerging markets.
  Keywords: chatbot; bank; customer satisfaction; continuance intention; India; multi-group analysis; MGA; necessary conditions analysis; NCA.
  
  
• Construction and assessment a competency model for e-commerce live streamers  
  by Dan Luo 
  Abstract: Livestreaming commerce has seen significant growth, leading to an increase in e-commerce live streamers with varying levels of performance. Therefore, the development of a competency model for e-commerce live streamers is crucial for the industry. The study utilized semi-structured interviews, secondary interview data, and observation methods to collect data. Grounded theory was employed for coding. The construction of an initial model of e-commerce live streamer competency, comprising four dimensions and 19 elements, was firstly established. The initial model was further tested and revised through a questionnaire survey, resulting in a competency model consisting of four dimensions: sales skills, communication abilities, psychological traits, and personal charm. This competency model in this study guides the development of e-commerce live streamers and for enhancing their self-competence.
  Keywords: electronic commerce; e-commerce; live streamers; live streaming service; competency model.
  
  
• Artificial intelligence disclosure: evidence from Indian listed companies  
  by Afreen Bano, Sushila Soriya, Priyanka Bhaskar 
  Abstract: Globally, artificial intelligence (AI) is expanding, according to the McKinsey Global Surveys (McKinsey and Company, 2021) series on AI, conducted since 2004, and the state of AI in 2023. The study mainly explores the development of a standardised framework for recording AI disclosure and reporting practices by Indian-listed companies in their annual reports. The study analyses the annual reports of 111 listed companies in NSE over three years (20212023) from a qualitative and quantitative perspective. Information was analysed using content analysis. The findings suggest an increasing trend in companies reporting non-financial disclosure practices in annual/sustainability reports. Most companies in the technology and finance sector are adopting AI in the workplace. The ethics guidelines by the European Committee are expected to increase awareness about AI disclosure among companies. However, there is a starting phase; only some companies follow voluntary disclosure policy.
  Keywords: artificial intelligence; voluntary disclosure; corporate digital responsibility; content analysis.
  DOI: 10.1504/IJEB.2025.10068938
   
  
• Impact of digital payment methods on consumer trust and spending behaviour: evidence from India  
  by Sheikh Gowher Rasool, Tahir Ahmad Wani 
  Abstract: The current study attempts to examine the perception of safety for consumers associated with two payment options, namely Unified Payment Interface and card payments, across high (laptop) and low involvement (mobile charger) purchase, utilising behavioural economics perspectives. Purposive and snowball sampling was used and a total of 383 respondents were approached to participate in the survey out of which 367 agreed to participate however 322 responses were considered for study. Participants were divided into groups based on payment options (UPI and card) and transaction involvement (purchase of laptop and mobile charger). Results indicate no significant difference in safety perception among participants between UPI and card payments, suggesting consumers weigh benefits and risks similarly for both methods. Perceived safety positively influences trust, aligning with behavioural economics theories emphasising heuristics and biases in decision making. Trust, in turn, positively impacts consumer spending, mediated by convenience. However, loss aversion negatively moderates the relationship between trust and spending growth, indicating that loss-averse individuals may resist increasing spending regardless of trust in electronic payments. These findings underscore the importance of cultivating trust and convenience to encourage payment method adoption in emerging countries like India which leads to increased consumer spending, while considering individual differences in loss aversion.
  Keywords: digital payments; UPI; trust; loss aversion; consumer spending.
  
  
• Identifying consumers purchase intentions for digital streaming platforms in South India: a PLS-SEM based approach  
  by Latika Sharma, Deepthi Shankar, Himanshu Bagdi, Mridul Trivedi 
  Abstract: The paper analyses young consumers perceptions of digital streaming platforms (DSP) while perusing social media advertisements (SMAD). The study examined the elements influencing customers purchase intentions (PIn) for DSP that satisfy their unique needs beyond standard channels. The paper investigates young customers attitudes towards DSP while they browse SMAD. The study examined the factors influencing customers purchase intentions (PIn) for media streaming services that meet their needs outside traditional platforms. Online survey with a designed questionnaire was used to gather data from customers from several areas of Kerala in India. The information was examined by employing the Smart PLS. The article presented a comprehensive framework by examining impact of SMAD attributes on consumer brand engagement (CBET) as a mediator influencing PIn on DSP. It highlights the existing gaps in the literature concerning the impact of CBE on PIn within the streaming platforms. All relationships proved significant for SMAD, except TRT.
  Keywords: digital streaming platforms; DSP; India; purchase intention; social media advertisement; partial least square – structural equational modelling.
  
  
• Decoding the digital market: understanding how machine learning shapes e-commerce  
  by Abiy Abinet Mamo, Soumya Ranjan Mishra, Fadil Mohammed Surur, Hitesh Mohapatra 
  Abstract: Machine learning (ML) has intricately woven itself into the fabric of e-commerce, exerting a profound influence on its evolutionary path. This research paper conducts a thorough exploration of the dynamic intersection between ML and e-commerce, offering a detailed examination of various ML algorithms applied in this domain. Through illuminating case studies, the practical applications of these algorithms are elucidated. The paper also scrutinises the contemporary landscape, dissecting the challenges faced in implementing ML within e-commerce settings. In addition, it outlines future directions and emerging trends, presenting a forward-looking perspective that enriches the ongoing discourse on the symbiotic relationship between ML and the continually evolving landscape of e-commerce.
  Keywords: machine learning; e-commerce; emerging trend; social impact; ML classifier.
  DOI: 10.1504/IJEB.2025.10069460
   
  
• Does online review given by actual shoppers impact brand attitude of e-commerce platforms?  
  by Abhinav Brahm Chandel, Ashish Chaturvedi, Mukesh Kumar Singh, Rahul Sharma 
  Abstract: This research examines the influence of online evaluations provided by genuine purchasers on brand attitude. A sample of 486 online consumers was selected using purposive sampling and interviewed using adopted and modified scales. The results reveal that the credibility of the source, consistency of reviews, and trustworthiness of reviews have a notable impact on the credibility of reviews. Conversely, the accuracy of reviews shows a positive but statistically insignificant influence on review credibility. Furthermore, review credibility significantly and positively affects brand perception and attitude. Additionally, the mediating function of brand attitude is both positive and statistically significant in the relationship between review credibility and brand attitude. These findings underscore the essential role of trustworthy online reviews in moulding consumer outlooks and attitudes toward brands, offering valuable insights for e-commerce platforms and marketers striving to boost brand reputation through customer input. The implications of the study are discussed.
  Keywords: online reviews; brand perception; brand attitude; source credibility; review accuracy.
  
  
• Does electronic word-of-mouth impact brand reputation and visit intention of guests in the hospitality sector? Empirical evidence  
  by Raj Kumar Mishra, Nitam Singh, Saifuddin Ahmad, Yusuf Kamal 
  Abstract: This study explores the impact of electronic word-of-mouth (eWoM) on brand reputation and guest visit intentions within the hospitality sector. Adopted and modified scales from previous studies were used to collect data using a descriptive and cross-sectional research design in the form of a survey. The survey included 41 scale items measuring ten variables associated with brand perception and consumer behaviour, which targeted a sample of 384 participants selected through purposive sampling. The PLS-SEM was applied to validate the scale and test hypotheses. The results indicated significant and positive influences from source credibility, source expertise, source homophily, tie strength, and brand reputation for attitudes toward the source of eWoM. Brand awareness, associations, and brand loyalty all positively affect brand reputation. The study further shows that attitudes toward the source of eWoM and brand reputation highly influence consumers intentions to visit establishments within the hospitality sector.
  Keywords: electronic word-of-mouth; eWoM; brand reputation; visit intention; source credibility; hospitality sector.
  
  
• Factors affecting consumer purchase intention in digital marketing: an integration of TAM with perceived risk and trust  
  by Mohd Jawaid Naseem, Safdar Khan, Mohd Azhar, Mohd Adil 
  Abstract: This paper intends to identify factors that affect consumer purchase intention (PI) in the digital marketing (DM) setting by integrating the technology acceptance model (TAM) with two additional constructs, viz. trust (TR) and perceived risk (PR). Data was collected through a structured questionnaire by deploying the Google form link on social media platforms. A total of 606 valid and usable responses were collected through convenience and snowball sampling techniques. PLS-SEM was employed to confirm the theoretical model and its causal relationships. The empirical findings show a direct and significant effect of DM, PU, PEoU, TR and PR on PI. In addition, the mediating effect of PU and PEoU is also found between DM and PI. Furthermore, the findings also demonstrate a significant moderating role of TR and PR in the relationship between DM and PI and between TR and PI, respectively.
  Keywords: digital marketing; trust; perceived risk; technology acceptance model; TAM; perceived usefulness; perceived ease of use; PEoU; consumer behaviour.
  
  
• Insider threats: analysing employee perceptions and behaviours leading to cybersecurity breaches  
  by Anurag Singh, Manish Kumar, Rajesh Kumar Upadhyay 
  Abstract: In the current era of digital technology, the service industry faces several key challenges, including the necessity of digital transformation, the dangers of cybersecurity, and the intense presence of market rivalry. In order to strengthen cybersecurity in the service business, it is essential to have a comprehensive understanding of the viewpoints, perceived hazards, and personnel computer security protocols. This study aims to analyse the relationships between some of these components and potentially dangerous cybersecurity behaviour in the Indian service industry. The theory of planned behaviour and other relevant theories were utilised to collect information from individuals working in the service sector. According to the findings, risky cybersecurity behaviour is favourably associated with favourable attitudes towards internet use and perceived benefits, whereas perceived risk is adversely connected with computer security usage. A positive attitude towards internet use is also positively associated with perceived benefits. The significance of these findings for developing cybersecurity strategies within organisations highlights how important it is for service organisations to cultivate a culture that is aware of the importance of cybersecurity. Considering these aspects, the entire security posture can be improved, and the risks associated with cybersecurity can be decreased.
  Keywords: cybersecurity; service industry; theory of planned behaviour; TPB; attitudes; perceived risk; computer security usage; risky cybersecurity behaviour; employee behaviour; India.
  
  
• Examining the empirical linkage between behaviour factors and digital finance growth: an empirical investigation  
  by Priyanka, Pooja Goel 
  Abstract: This study explores the impact of digital literacy on the adoption of digital financial services (DFS) in India, with a focus on the mediating role of perceived trust. A descriptive and cross-sectional design was employed, with data collected through a survey using modified scales from previous studies. A sample of 394 participants was selected through purposive sampling. The findings reveal that operational skills, online safety awareness, and information literacy significantly enhance digital literacy. Moreover, digital literacy was found to positively influence both perceived trust and the adoption of DFS. Perceived trust also showed a significant positive impact on DFS adoption. Additionally, the study demonstrates that digital literacy indirectly affects DFS adoption through perceived trust, confirming the hypothesised mediating role of trust. This research offers valuable insights for policymakers and businesses aiming to improve DFS adoption in India.
  Keywords: digital financial services; DFS; digital literacy; perceived trust; digital finance growth; information literacy.
  DOI: 10.1504/IJEB.2025.10070686