This study examines gender differences in attitudes and intentions to adopt artificial intelligence among startup professionals. Utilizing a survey methodology encompassing responses from male and female participants, key constructs including attitude, perceived ease of use, perceived usefulness, and intention to use were analyzed through a comparative lens. The results reveal nuanced disparities between male and female perspectives on AI adoption. While minor differences were observed in the influence of attitude and perceived ease of use on adoption intentions, a significant gender gap emerged in the perception of how ease of use impacts perceived usefulness. These findings underscore the importance of recognizing gender dynamics in shaping attitudes and intentions towards AI adoption, highlighting the need for gender-inclusive strategies in fostering technology adoption among startups. This study contributes to the understanding of gender-specific considerations in AI adoption processes and offers insights for policymakers and industry stakeholders seeking to promote equitable and inclusive technological advancement.

Development of information systems in state universities, is needed in order to support more effective and efficient performance. This research was conducted to evaluate the factors that influence the intensity and behavior of users when using user systems. The sample are 240 users which were determined by using the convenience sampling method. The result confirms that the intensity of the use of the system by users is influenced by attitudes, subjective norms, and behavioral control. With the Theory of Acceptance Model (TAM) approach, the researchers also find that intensity is positively influenced by users' perceptions of system use and convenience. User intensity will increase their use of the system. In addition, the re-searchers found that the behavior in terms of using the system was also influenced by behavioral control and the user's perception of behavior in using the system. These results also show that the merging of the TAM and TPB models will have a greater impact on both the intensity and the actual behavior of users in the utilization of the system. The study has social implications for system developers, the user's psychological condition and system characteristics need to be considered in developing the system for future studies.

This paper investigates the influence of the attitude, subjective norm, and perceived behavioral control on students' intention to choose sharia economics study program at IAIN Ponorogo. It took 108 students of the fifth semester of Sharia Economics Department at IAIN Ponorogo. The sample included 85 students that were calculated using Slovin formula and chosen randomly from the population. The study used a questionnaire and employed the 5 Likert scales. The study also employed Theory of Planned Behavior (TPB) to examine the role of belief, attractiveness, parental support, peers support, family culture, self-efficacy, and interest on intention. Path analysis was conducted using SmartPLS 2. The results show that students' choice in sharia economics study program was influenced by intrinsic factors, belief, self-efficacy, and interest. The extrinsic factors such as the attractiveness of study programs, parents, peers, and family culture did not influence the intention of students to choose sharia economics study program. The intention of IAIN students to choose to study in sharia economics study program was more determined by intrinsic factors, and not influenced by extrinsic factors. This is due to the strong influence of the religious factor of Islam which positions learning as part of worship and factors originating from students themselves. Further research at public universities needs to be done to find out other dominant variables. Based on the research findings, the Sharia Economics Study Program at Islamic Universities has a strong appeal for prospective Moslem students.

This research is conducted to examine the process from the intention to purchase life insur-ance among people in two major cities of Hanoi and Ho Chi Minh City in Vietnam, based on the theoretical framework of theory of planned behavior. The study is conducted in Hanoi and Ho Chi Minh City in Vietnam through an online questionnaire of 358 people. Based on the data collected, the study used Cronbach’s alpha, exploratory factor analysis, KMO and Bartlett’s test and regression analysis by using SPSS software. The results show that life insurance buying behavior was influenced by purchase intention, attitudes, financial insight and product accessibility. Moreover, it was recognized higher weight of financial literacy and product accessibility in life insurance buying behavior. The research determined that financial knowledge could promote buying intention to actual purchase behavior in the life insurance area.

During the past few years, many studies associated with sustainability of the organizations have primarily analyzed the financial and performance related implications of sustainability of an organization, and perception of these practices by neglecting the role of the employees who might play a vital role through taking part in pro-environmental behavior in the workstation. Thus, this study focuses on the individual’s pro-environmental workplace (PEW) intention to determine its mediating effect between the factors in the Theory of Planned Behavior (TPB) and the PEW behavior context among public workers in Malaysia. Random sampling on a list of ministries situated in Federal Territory of Putrajaya was used in the first stage followed by systematic sampling based on officer’s list of the directory in those ministries. Cleaned data resulted in 460 questionnaires gathered on demographic characteristics, PEW intention, attitude towards environmental practice in the workplace, subjective norms, perceived environmental workplace control, and PEW behavior of public sector context in Malaysia. The results reveal significant influences of PEW subjective norms, and perceived PEW control on the PEW behavior. While a series of regression analyses show that the PEW intention mediated only the two relationships between PEW subjective norms, and perceived PEW control on PEW behavior.

Struggling airlines can save cost and improve profits by selling tickets online. While global sales of air e-tickets have grown over time, they are mostly from advanced nations. In developing markets like Malaysia, e-ticket sales are substantially lower. Hence, this study sets out to examine the factors that determine consumers’ intentions to buy air e-tickets. The factors include the disadvantage and advantage of buying air e-tickets, represented by perceived risk and perceived usefulness, respec-tively. The results show that Malaysian consumers’ perceptions of risk outweigh the perceived use-fulness of e-ticketing, and negatively affect intentions to buy air e-tickets. Perceived risk also has a negative effect on perceived usefulness, making usefulness insignificant to buying intention online. These findings imply that for Malaysian consumers, perceived risk far outweighs perceived usefulness where intention to buy air e-tickets is concerned.

Information and communication technology (ICT) developments and trends in recent years have had great impacts on banking sector worldwide. Therefore, the disruptive innovative technology has accelerated changes in the way of banking business. The purpose of this paper is to explore the factors that influence on Pakistani customer’s intentions to adopt internet banking. The sample used in this empirical study includes 265 responses of internet banking users collected through structured questionnaire. For statistical analysis, structural equation model (SEM) approach was used. The present study suggests that internet banking use increases as long as customer perceives it as useful tool. Findings confirmed that perceived usefulness, perceived ease of use and attitude were the key constructs for promoting internet banking usage in Pakistan. Furthermore, the importance performance matrix analysis has shown that attitude was the most important factor. Thus, banks can focus on cultivation of positive attitudinal beliefs about internet banking among prospect cus-tomers.

Since smartphones are so common, digital wallets have developed swiftly to fulfill the demands of a contemporary culture that promotes mobility and streamlines transaction processes. This study's objective is to clarify consumer behavior in Indonesia's adoption of digital wallets. This study was carried out in Jakarta involving 360 respondents. This study analyzes using a structural equation model (SEM) with LISREL software tools. The results of this study explain that perceived ease of use, trust, security, and intention are important in increasing the actual usage of digital wallet users in Indonesia. The practical implications of this study are useful for comparing perceived scores on various antecedents of digital wallet adoption. The study identifies potential differences in perceptions of the elements influencing the adoption of digital wallets in Jakarta, particularly among the younger generation, which makes up the bulk of respondents. The success or failure of digital wallets depends on a variety of ecosystem components as well as consumer-related factors.

This paper aims to explore the intentions to use FinTech and its important role in the banking industry in Jordan. Accordingly, this study analyzes the nature of the relationship between intention to use financial technology and each of: Processing Unit (PU) perceived usefulness, social impact (SI), customer’s trust (TRU) and perceived ease of use (PEU). Previous research related to financial technology is still under development and which is still being researched by providing an alternative approach to understanding how different business levels have stimulated the emergence of innovation-focused fintech companies, and what are the motives of success. Therefore, the main contribution of this research is to fill the gap in previous research related to financial technology that is still under development and which is still being researched by providing an alternative approach to understanding how different business levels have stimulated the emergence of innovation-focused fintech companies, and what are the motives of success. Results show a positive relation between intention to use financial technology and Processing Unit (PU), social impact (SI), customer’s trust (TRU) and perceived ease of use (PEU). The main contribution of this research is to fill the gap in previous research related to financial technology that is still under development and which is still being researched by providing an alternative approach to understanding how different business levels have stimulated the emergence of innovation-focused fintech companies, and what are the motives of success.

Green environmental issues have been of topical interest to both researchers and industrialists for some time now. Research on green brands is relatively limited, especially in developing countries, such as Ghana. This study is therefore designed to determine the relationship between customer awareness of green brand issues and their everyday purchase intentions. Using quantitative techniques, the study interviewed 316 people, conveniently selected from various shopping points in Accra. The study found that, the overwhelming majority of respondents though familiar with green issues did not concern themselves with green issues in their everyday purchase decisions. Again, majority of respondents (54%) familiar with environmental issues confirmed they would not switch from their preferred brands to less fancied brands even if the less fancied brands were more environmentally friendly. It was also confirmed in the study that price, brand name and convenience, performed better than customer concerns for green issues, in influencing respondents’ purchase decisions. It would therefore be strategically significance if advocates, policy makers and business leaders reduce the cost of green products to the final consumer, intensive public education campaigns, coupled with strategic brand building efforts to enhance the level of green brand consumption.