The recent proliferation of Electronic Commerce (E-commerce) has been further escalated by multifaceted emerging payment solutions such as cryptocurrencies, mobile, peer-to-peer (P2P) and social media payment platforms. While these technological advancements are gaining tremendous popularity, mostly for their ease of use, various impediments such as security and privacy concerns, societal and cultural norms etc. forbear the users' adoption trends to some extents. This article examines the current status of the social media payment platforms as well as the projection of future adoption trends. Our research underlines the motivations and obstacles to the adoption of social media platforms.
The use of mobile payment services is an essential contributor to financial inclusion in emerging markets. Unfortunately, the service has become a platform for fraud. Mobile payment users need to be digitally resilient to continue using the service after adverse events. However, there is scant literature on users' continuance use of mobile payment services in the post-event of fraud. The focal point of prior literature has been on technology adoption or threat avoidance to implement policies that protect users. Analysing the relationship between individual digital resilience and post-adoption …
This study examines what drives organizational adoption and use of social media through a model built around four key factors - strategy, capacity, governance, and environment. Using Twitter, Facebook, and other data on 100 large US nonprofit organizations, the model is employed to examine the determinants of three key facets of social media utilization: 1) adoption, 2) frequency of use, and 3) dialogue. We find that organizational strategies, capacities, governance features, and external pressures all play a part in these social media adoption and utilization outcomes. Through its integrated,…
We explore the understudied area of social payments to evaluate whether or not we can predict the gender and political affiliation of Venmo users based on the content of their Venmo transactions. Latent attribute detection has been successfully applied in the domain of studying social media. However, there remains a dearth of previous work using data other than Twitter. There is also a continued need for studies which explore mobile payments spaces like Venmo, which remain understudied due to the lack of data access. We hypothesize that using methods similar to latent attribute analysis with T…
This paper presents the preliminary findings of a study researching the diffusion and the adoption of online retailing in Saudi Arabia. It reports new research that identifies and explores the key issues that positively and negatively influence retailers in Saudi Arabia regarding the adoption of electronic commerce. Retailers in Saudi Arabia have been reserved in their adoption of electronically delivered aspects of their business. Despite the fact that Saudi Arabia has the largest and fastest growth of ICT marketplaces in the Arab region, ecommerce activities are not progressing at the same s…
Online privacy has gradually become a concern for internet users over the years as a result of the interconnection of customers devices with other devices supporting the internet technology. This research investigates and discusses the factors that influence the privacy concerns faced by online consumers of internet services and the possible outcomes of these privacy concerns on the African online market with Ghana being the primary focus. Results from this study indicated that only 10.1 percent of respondents felt that the internet was safe for purchase and payment transaction in Ghana. Howev…
University of Technology Sydney（悉尼科技大学）；The University of Sydney Business School（悉尼大学商学院）；Macquarie University（麦考瑞大学）
Social media platforms now serve billions of users by providing convenient means of communication, content sharing and even payment between different users. Due to such convenient and anarchic nature, they have also been used rampantly to promote and conduct business activities between unregistered market participants without paying taxes. Tax authorities worldwide face difficulties in regulating these hidden economy activities by traditional regulatory means. This paper presents a machine learning based Regtech tool for international tax authorities to detect transaction-based tax evasion act…
School of Engineering and Applied Science Aston University（阿斯顿大学工程与应用科学学院）
Small and Medium Enterprises (SMEs) now generate digital data at an unprecedented rate from online transactions, social media marketing and associated customer interactions, online product or service reviews and feedback, clinical diagnosis, Internet of Things (IoT) sensors, and production processes. All these forms of data can be transformed into monetary value if put into a proper data value chain. This requires both skills and IT investments for the long-term benefit of businesses. However, such spending is beyond the capacity of most SMEs due to their limited resources and restricted acces…
The rapid diffusion of "microblogging" services such as Twitter is ushering in a new era of possibilities for organizations to communicate with and engage their core stakeholders and the general public. To enhance understanding of the communicative functions microblogging serves for organizations, this study examines the Twitter utilization practices of the 100 largest nonprofit organizations in the United States. The analysis reveals there are three key functions of microblogging updates-"information," "community," and "action." Though the informational use of microblogging is extensive, nonp…
In this study, we examine the social networking practices of the 100 largest nonprofit organizations in the United States. More specifically, we develop a comprehensive classification scheme to delineate these organizations' use of Facebook as a stakeholder engagement tool. We find that there are 5 primary categories of Facebook "statuses", which can be aggregated into three key dimensions - "information", "community", and "action". Our analysis reveals that, though the "informational" use of Facebook is still significant, nonprofit organizations are better at using Facebook to strategically e…
Access to accurate, granular, and up-to-date poverty data is essential for humanitarian organizations to identify vulnerable areas for poverty alleviation efforts. Recent works have shown success in combining computer vision and satellite imagery for poverty estimation; however, the cost of acquiring high-resolution images coupled with black box models can be a barrier to adoption for many development organizations. In this study, we present a interpretable and cost-efficient approach to poverty estimation using machine learning and readily accessible data sources including social media data, …
With the emergence and rapid growth of Social Media, a number of government departments in several countries have embraced Social Media as a privilege channel to interact with their constituency. We are exploring, in collaboration with the Australian Department of Human Services, the possibility to exploit the potential of social networks to support specific groups of citizens. To this end, we have developed Next Step, an online community to help people currently receiving welfare payments find a job and become financially self-sufficient. In this paper, we explore some ethical issues that ari…
Trends in online social media always reflect the collective attention of a vast number of individuals across the network. For example, Internet slang words can be ubiquitous because of social memes and online contagions in an extremely short period. From Weibo, a Twitter-like service in China, we find that the adoption of popular Internet slang words experiences two peaks in its temporal evolution, in which the former is relatively much lower than the latter. This interesting phenomenon in fact provides a decent window to disclose essential factors that drive the massive diffusion underlying t…
With the rapid proliferation and adoption of social media among healthcare professionals and organizations, social media-based HIV/AIDS intervention programs have become increasingly popular. However, the question of the effectiveness of the HIV/AIDS messages disseminated via social media has received scant attention in the literature. The current study applies content analysis to examine the relationship between Facebook messaging strategies employed by 110 HIV/AIDS nonprofit organizations and audience reactions in the form of liking, commenting, and sharing behavior. The results reveal that …
With the widespread adoption of social media sites like Twitter and Facebook, there has been a shift in the way information is produced and consumed. Earlier, the only producers of information were traditional news organizations, which broadcast the same carefully-edited information to all consumers over mass media channels. Whereas, now, in online social media, any user can be a producer of information, and every user selects which other users she connects to, thereby choosing the information she consumes. Moreover, the personalized recommendations that most social media sites provide also co…
