Understanding the Internet banking adoption: A unified theory of acceptance and use of technology and perceived risk application     

Carolina Martins  Tiago Oliveira  Aleš Popovič 《International Journal of Information Management》2014

Understanding the main determinants of Internet banking adoption is important for banks and users; our understanding of the role of users’ perceived risk in Internet banking adoption is limited. In response, we develop a conceptual model that combines unified theory of acceptance and use of technology (UTAUT) with perceived risk to explain behaviour intention and usage behaviour of Internet banking. To test the conceptual model we collected data from Portugal (249 valid cases). Our results support some relationships of UTAUT, such as performance expectancy, effort expectancy, and social influence, and also the role of risk as a stronger predictor of intention. To explain usage behaviour of Internet banking the most important factor is behavioural intention to use Internet banking.  相似文献   

A new instrument for recording linear accelartions     

F.H. Norton 《Journal of The Franklin Institute》1924,198(2):231-242

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A comparison of the perceptions of Love, Anger, and Guilt in Portugal and the United States and implications for counseling     

Rui Paixo  Rui Arago Oliveira  Richard C. Page  Chinw J. Uwah  Jodi L. Carlton 《Int J Intercult Relat》2001,25(6):237

This study compared the ways that graduate and undergraduate counseling and psychology students from Portugal and the United States evaluated the feelings of Love, Anger and Guilt. Utilizing a semantic differential, a multivariate analysis of variance was employed in which the independent variables were Country and Gender and the dependent variables were the evaluative and potency scales of Love, Anger and Guilt. There was no significant main effect for gender and there was no significant interaction effect for gender by country. There was a significant main effect for country. It was found that students from the United States evaluated Anger more positively than the Portuguese students and that the Portuguese students evaluated Guilt more positively than the United States students. These findings have implications that are relevant to the counseling process.  相似文献   

Writing week-journals to improve the writing quality of fourth-graders’ compositions     

Pedro Rosário  Julia Högemann  José Carlos Núñez  Guillermo Vallejo  Jennifer Cunha  Vera Oliveira  Sonia Fuentes  Celestino Rodrigues 《Reading and writing》2017,30(5):1009-1032

Students’ writing problems are a global educational concern and is in need of particular attention. This study aims to examine the impact of providing extra writing opportunities (i.e., writing journals) on the quality of writing compositions. A longitudinal cluster-randomized controlled design using a multilevel modeling analysis with 182 fourth grade students was conducted. We examined whether students’ writing quality differed when writing journals on a weekly basis for 12 weeks, compared with a control group. Three covariates were analyzed, namely: (i) the students’ attitudes towards writing; (ii) their self-efficacy in writing; (iii) and their use of self-regulation (SRL) strategies while writing. Findings have shown that students who wrote week-journals significantly improved the writing quality of their compositions and reported a higher use of SRL strategies in writing. Nevertheless, self-efficacy and attitude towards writing were found to not be related to the quality of the compositions. Moreover, data indicated that the writing quality of compositions improved along with the writing quality of the week-journals. Findings suggest the use of week-journals in class to promote writing.  相似文献   

Probability Disassembled     

Norton  John D. 《The British journal for the philosophy of science》2007,58(2):141-171

While there is no universal logic of induction, the probabilitycalculus succeeds as a logic of induction in many contexts throughits use of several notions concerning inductive inference. Theyinclude Addition, through which low probabilities representdisbelief as opposed to ignorance; and Bayes property, whichcommits the calculus to a ‘refute and rescale’ dynamicsfor incorporating new evidence. These notions are independentand it is urged that they be employed selectively accordingto needs of the problem at hand. It is shown that neither isadapted to inductive inference concerning some indeterministicsystems.

1 Introduction

2 Failure of demonstrations of universality

2.1 Working backwards

2.2 The surface logic

3 Framework

3.1 The properties

3.2 Boundaries

3.2.1 Universalcomparability

3.2.2 Transitivity

3.2.3 Monotonicity

4 Addition

4.1 The property: disbelief versus ignorance

4.2Boundaries

5 Bayes property

5.1 The property

5.2 Bayes' theorem

5.3Boundaries

5.3.1 Dogmatism of the priors

5.3.2 Impossibilityof prior ignorance

5.3.3 Accommodation of virtues

6Real values

7 Sufficiency and independence

8 Illustrations

8.1 All properties retained

8.2 Bayes propertyonly retained

8.3 Induction without additivity and Bayes property

9Conclusion

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Users as service innovators: The case of banking services     

Pedro Oliveira  Eric von Hippel 《Research Policy》2011,40(6):806-818

Many services can be self-provided. An individual user or a user firm can, for example, choose to do its own accounting - choose to self-provide that service - instead of hiring an accounting firm to provide it. Since users can ‘serve themselves’ in many cases, it is reasonable to suspect that they can also innovate with respect to the services they self-provide - possibly without the assistance of service providers.In this paper, we conduct the first quantitative exploration of the importance of services innovation by users, focusing on the field of commercial and retail banking services. We find that 55% of today's computerized commercial banking services were first developed and implemented by non-bank firms for their own use, and 44% of today's computerized retail banking services were first developed and implemented by individual service users rather than by commercial financial service providers. Manual precursors to these services - manual procedures that carried out functions similar to computerized services in our sample - were almost always developed by users as self-services.Our empirical findings differ significantly from prevalent producer-centered views of service development. We speculate that the patterns we have observed in banking with respect to the major role of users in service development will prove to be quite general. If so, this will be an important matter: on the order of 75% of GDP in advanced economies today is derived from services. We discuss the implications of our findings for research and practice in service development.  相似文献   

Cannabis in Medicine: An Evidence-Based Approach     

Melanie J. Norton 《Journal of the Medical Library Association》2021,109(2):345

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Agricultural extension in South-Eastern Europe: Issues of transition and sustainability     

Lefter Daku  George W. Norton  Daniel B. Taylor  Eivis Qenani-Petrela 《The Journal of Agricultural Education and Extension》2013,19(1-4):49-61

Following the economic reforms in the early 90's, most of the south-eastern European countries (SEE) made efforts to establish agricultural extension services. However, a number of factors including tight governmental budgets, lack of experience, and the existence of vested interests have constrained the development of extension services. This paper examines the rationale for public funding of extension programs and evaluates the incentive structure for private and public provision of agricultural extension service in the SEE countries. It suggests a medium and long-term approach with a primary focus on institutional design. Two groups of factors that affect the private sector supply of extension are analyzed: (i) demand and supply-side factors that affect the profitability of the service and (ii) factors arising from the public-good nature of extension output, externalities, and moral hazards that affect the appropriation of returns of the service. The main conclusion is that the SEE countries should try to achieve a public-private extension balance by following a gradual approach toward privatization of the agricultural extension service. However, the paper advocates a continued important role for the public sector to correct for potential undesirable effects of private advisory services.  相似文献   

COMPARISON OF THE BECK DEPRESSION INVENTORY-II AND THE INVENTORY TO DIAGNOSE DEPRESSION: IMPLICATIONS FOR COMMUNITY COLLEGE COUNSELORS     

Stephen E. Craig  E. Douglas Norton 《Community College Journal of Research & Practice》2013,37(6):495-504

Community college counselors need to assess depressive symptoms in students and to differentiate depressive symptoms from anxiety symptoms to help them implement crisis intervention strategies. Two instruments available to the community college counselor are the Beck Depression Inventory-II (BDI-II) and the Inventory to Diagnose Depression (IDD). This article, which is based on the published literature, reports on and discusses the construct and discriminant validities of the BDI-II and IDD so that community college counselors may use them with knowledge of the strengths and weaknesses of each instrument. Although results should be interpreted with caution, both instruments are useful in measuring the presence or absence of depressive symptoms.  相似文献   

A Longitudinal View of the Liberal Arts Curriculum a Decade After Merger: A Multiple Case Study of Community Colleges in Connecticut,Kentucky, and Louisiana     

Ann Norton  Kristin Wilson 《Community College Journal of Research & Practice》2013,37(7):591-602

This study is an examination of the state of the liberal arts curriculum in community colleges in three geographic regions of the United States. From a constructivist paradigm and using globalization theory as a theoretical framework, this multiple case study examined faculty work life and administrative processes related to curriculum change in merged community and technical colleges. Through an examination of research on globalization, mergers, and trends in the general education and liberal arts curriculum, a gap in the literature emerged in the studies of community college curriculums after merger. This study considers whether the focus on workforce development and decrease in the transfer mission has diminished the liberal arts courses in the college curriculum. Research on liberal arts courses identified them as courses that emphasize higher order thinking and the development of intellectual skills needed to engage in a democratic society. If students are not exposed to these skills, it may have a detrimental effect on a democratic society. Study findings suggested that the English and communication curriculums are narrowing and the mission is more toward workforce skill preparation. Also, the changing demographics of today[#x02019]s community college students, as well as the ongoing budget constraints, create challenges and frustrations for faculty members.  相似文献