Money is how we pay for things that we need.People pay for things in cash,which is the main form for a long time.Nowadays,there are more ways to pay than ever,including mobile payment or e-payments.Cash comes in the f...Money is how we pay for things that we need.People pay for things in cash,which is the main form for a long time.Nowadays,there are more ways to pay than ever,including mobile payment or e-payments.Cash comes in the form of banknotes and coins;e-payments make people buy things through a phone and watch.So,which way of buying things is better?展开更多
Objective:Aiming at the problems of clinical pathway optimization and medical cost control for stroke patients,this study proposes a clinical pathway discrimination model based on the XGBoost integrated learning algor...Objective:Aiming at the problems of clinical pathway optimization and medical cost control for stroke patients,this study proposes a clinical pathway discrimination model based on the XGBoost integrated learning algorithm.Combined with the multi-objective programming(MOP)method,this study explores its application value under the Diagnosis-Intervention Packet(DIP)payment model.Methods:The data of stroke patients(ICD codes I60-I63)from 2018 to 2024 were obtained through the medical record statistical management system of medical institutions in Guangdong Province.Efficiency indicators(average length of hospital stay),health economics indicators(total cost),effectiveness indicators(mortality rate),and specific indicators(NIHSS score)were extracted.The XGBoost algorithm was used to construct the clinical pathway discrimination model,and the hyperparameters were optimized through grid search.Based on the DIP payment rules,the prediction results of the model were used as inputs to establish a dynamic programming model,aiming to minimize costs and maximize curative effects to obtain the optimal clinical pathway plan.Results:The goodness-of-fit(R 2)of the XGBoost model on the test set reached 0.768,which was significantly better than that of the random forest(0.691)and the BP neural network(0.343).The total cost of the clinical pathway optimized by the dynamic programming model decreased by 12.7%(95%CI:10.2-15.1%),the average length of hospital stay was shortened by 1.8 days,and the NIHSS improvement rate increased by 8.3%.Conclusion:The integrated model proposed in this study has high accuracy and robustness in clinical pathway discrimination.Combined with the MOP method,it can provide a scientific basis for the optimization of medical resources under the DIP model,helping medical institutions achieve the dual goals of precise cost control and curative effect improvement.展开更多
Mangrove ecosystems support biodiversity,protect coastal areas,and provide sustainable livelihoods.However,they face significant threats from deforestation and unsustainable land use practices.This study examines the ...Mangrove ecosystems support biodiversity,protect coastal areas,and provide sustainable livelihoods.However,they face significant threats from deforestation and unsustainable land use practices.This study examines the viability of the payments for ecosystem services(PES)programs in promoting sustainable mangrove tourism in Tongke-Tongke Village,Sinjai District,South SulawesiProvince,Indonesia.We collected data through household surveys,semi-structured stakeholder interviews,and tourist questionnaires to evaluate the economic value of mangrove tourism and tourists’willingness to pay(WTP)for conservation.Analytical methods included quantitative descriptive analysis,thematic analysis,travel cost analysis,and contingent valuationmethod.The results indicatedstrong community support,with 70.00% of respondents acknowledging sustainable mangrove tourism’s economic,environmental,and cultural benefits.Economic estimates revealedthat mangrove tourism generated 943.00 USD/(hm^(2)·a),while tourists’WTP for conservation rangedfrom 0.21 to 0.56 USD/(person×month),contributing approximately 11.39 USD/(hm^(2)·a).Despite challenges such as inadequate infrastructure,socioeconomic disparities,and land privatization,this study advocates for integrating the PES programs,enhancing governance frameworks,and fostering local community engagement to ensure equitable benefit distribution and maximize the potential of mangrove tourism.These strategies aim to bolster conservation efforts,improve local livelihoods,and strengthen the resilience of mangroveecosystems.展开更多
On the background of integrated ERP development, activity-value-flexibility management (AVFM) is defined. By using economic-value-added (EVA) and corporate value creation as the objective of AVFM, custom value deviati...On the background of integrated ERP development, activity-value-flexibility management (AVFM) is defined. By using economic-value-added (EVA) and corporate value creation as the objective of AVFM, custom value deviating rate, capital cost deviating rate, cash-flow-out per purchase deviating rate and cash-flow-in per sell deviating rate are developed to be the key responding variates for AVFM, and they also decide the rational quantity range for AVFM tactics. Method for rational AVFM tactics solution could be got by means of redesigning activity information process on integrated ERP.展开更多
Test Case Prioritization(TCP)techniques perform better than other regression test optimization techniques including Test Suite Reduction(TSR)and Test Case Selection(TCS).Many TCP techniques are available,and their per...Test Case Prioritization(TCP)techniques perform better than other regression test optimization techniques including Test Suite Reduction(TSR)and Test Case Selection(TCS).Many TCP techniques are available,and their performance is usually measured through a metric Average Percentage of Fault Detection(APFD).This metric is value-neutral because it only works well when all test cases have the same cost,and all faults have the same severity.Using APFD for performance evaluation of test case orders where test cases cost or faults severity varies is prone to produce false results.Therefore,using the right metric for performance evaluation of TCP techniques is very important to get reliable and correct results.In this paper,two value-based TCP techniques have been introduced using Genetic Algorithm(GA)including Value-Cognizant Fault Detection-Based TCP(VCFDB-TCP)and Value-Cognizant Requirements Coverage-Based TCP(VCRCB-TCP).Two novel value-based performance evaluation metrics are also introduced for value-based TCP including Average Percentage of Fault Detection per value(APFDv)and Average Percentage of Requirements Coverage per value(APRCv).Two case studies are performed to validate proposed techniques and performance evaluation metrics.The proposed GA-based techniques outperformed the existing state-of-the-art TCP techniques including Original Order(OO),Reverse Order(REV-O),Random Order(RO),and Greedy algorithm.展开更多
Objective To evaluate the effect of pharmacist-driven antimicrobial stewardship based on value-based healthcare in a tertiary hospital in China.Methods The application of plan-do-check-action(PDCA)cycle and antimicrob...Objective To evaluate the effect of pharmacist-driven antimicrobial stewardship based on value-based healthcare in a tertiary hospital in China.Methods The application of plan-do-check-action(PDCA)cycle and antimicrobial stewardship(AMS)were respectively used to improve the rational use of antimicrobial agents in prophylactic and therapeutic.Data were collected and the effect was assessed during the management period(2016-2019).Results and Conclusion From 2016(before implementation)to 2019(after implementation),the rational use of antibiotics were obviously enhanced in outpatients,inpatients,and emergency department.For instance,the utilization rate in type I incision operation was decreased from 26.42%to 14.60%(P=0.000),the daily doses of antibiotic per 100 patient-days decreased from 49.34±2.97 to 35.89±4.96(P=0.000),and the average antibiotic expenditures dropped from 948.53 yuan to 526.30 yuan(P=0.000).There was no significant change in infection rate,nosocomial mortality rate,and the length of hospital stay.After the implementation of clinical pharmacist-driven antimicrobial stewardship based on value-based healthcare,the consumption and cost of antibacterial have been greatly reduced.Therefore,the pharmacist-driven antimicrobial stewardship increases its value。展开更多
The time-varying difference-in-difference model is used to identify the impact of payment technology on residents’consumption,and the moderation effect analysis method is used to identify its mechanism.It is found th...The time-varying difference-in-difference model is used to identify the impact of payment technology on residents’consumption,and the moderation effect analysis method is used to identify its mechanism.It is found that payment technology promotes consumption capacity expansion and quality improvement(CEQI)through three pathways of alleviating liquidity constraints,reducing transaction costs and weakening the payment of pain.The parallel and serial mechanisms of the three are further explored.The effect of payment technology on the CEQI of residents’consumption shows obvious heterogeneity due to differences in urban and rural household registration and financial literacy.Based on the empirical research results and the national conditions of China,targeted policy recommendations are proposed from the demand side,the supply side and the technological side.展开更多
In the contemporary world, there are three interconnected global environmental crises (climate change, biodiversity loss, and pollution). The common thread is the unsustainable pattern of production and consumption, w...In the contemporary world, there are three interconnected global environmental crises (climate change, biodiversity loss, and pollution). The common thread is the unsustainable pattern of production and consumption, which leads to international and local socio-environmental injustices. Seeking environmental justice in Brazil, the success of the rubber tapper social movement stands out, culminating in the Chico Mendes Extractive Reserve (RESEX) implementation in the Brazilian Amazon. However, the residents have struggled to generate income to help their families’ social reproduction. Conventional payment instruments for environmental services have failed to remunerate the socio-environmental attributes of sustainable products adequately. This paper aims to carry out a socio-environmental economic-ecological valuation of the main extractive products of the RESEX in 2021/2022. To this end, a methodology calculates the cost of social reproduction of rural family production, being a non-market price index reference for monetary valuation. The results indicate the acceptability of the socio-environmental valuation of native rubber and Brazil nuts, as they can guarantee environmental conservation, improve the families’ well-being with adequate income for their social reproduction, as well as value attributes outside the market, which helps in the fight against further expropriation or enclosure of rural families in the Amazon.展开更多
In this paper, an EOQ inventory model is developed for deteriorating items with variable rates of deterioration and conditions of grace periods when demand is a quadratic function of time. The deterioration rate consi...In this paper, an EOQ inventory model is developed for deteriorating items with variable rates of deterioration and conditions of grace periods when demand is a quadratic function of time. The deterioration rate considered here is a special type of Weibull distribution deterioration rate, i.e., a one-parameter Weibull distribution deterioration rate and it increases with respect to time. The quadratic demand precisely depicts of the demand of seasonal items, fashion apparels, cosmetics, and newly launched essential commodities like android mobiles, laptops, automobiles etc., coming to the market. The model is divided into three policies according to the occurrence of the grace periods. Shortages, backlogging and complete backlogging cases are not allowed to occur in the model. The proposed model is well-explained with the help of a simple solution procedure. The three numerical examples are taken to illustrate the effectiveness of the EOQ inventory model along with sensitivity analysis.展开更多
Disruptive innovations caused by FinTech(i.e.,technology-assisted customized financial services)have brought digital peer-to-peer(P2P)payments to the fore.In this challenging environment and based on theories about cu...Disruptive innovations caused by FinTech(i.e.,technology-assisted customized financial services)have brought digital peer-to-peer(P2P)payments to the fore.In this challenging environment and based on theories about customer behavior in response to technological innovations,this paper identifies the drivers of consumer adoption of mobile P2P payments and develops a machine learning model to predict the use of this thriving payment option.To do so,we use a unique data set with information from 701 participants(observations)who completed a questionnaire about the adoption of Bizum,a leading mobile P2P platform worldwide.The respondent profile was the average Spanish citizen within the framework of European culture and lifestyle.We document(in this order of priority)the usefulness of mobile P2P payments,influence of peers and other social groups such as friends,family,and colleagues on individual behavior(that is,subjective norms),perceived trust,and enjoyment of the user experience within the digital context and how those attributes better classify(potential)users of mobile P2P payments.We also find that nonparametric approaches based on machine learning algorithms outperform traditional parametric methods.Finally,our results show that feature selection based on random forest,such as the Boruta procedure,as a preprocessing technique substantially increases prediction performance while reducing noise,redundancy of the resulting model,and computational costs.The main limitation of this research is that it only has a place within the sociocultural and institutional framework of the Spanish population.It is therefore desirable to replicate this study by surveying people from other countries to analyze the effects of the institutional environment on the adoption of mobile P2P payments.展开更多
Purpose This study aims to identify which determinants are responsible for impacting the user experience of three peer-to-peer(P2P)payment services in the Spanish market.Design/methodology/approach A sample of all onl...Purpose This study aims to identify which determinants are responsible for impacting the user experience of three peer-to-peer(P2P)payment services in the Spanish market.Design/methodology/approach A sample of all online reviews(n=16,048)published in Google Play of three paytech apps—Bizum,Twyp,and Verse—was analyzed using text mining and sentiment analysis.Findings A holistic interpretation of the seed terms included in each aspect allowed to label them based on the preferences expressed by paytech app users in their reviews.Six latent aspects were identified:ease of use,usefulness,perceived value,performance expectancy,perceived quality,and user experience.In addition,the results of the analysis suggest a positivity bias in the online reviews of fintech P2P app users.Our results also show that online reviews of apps associated with banks or financial institutions,such as Bizum(to a greater extent)or Twyp,show more negative emotions,whereas independent apps(Verse)show more positive emotions.Moreover,the most critical users are those of unidentified gender,while women remain in a more neutral position,and men tend to express their opinions more positively regarding P2P payment apps.Practical implications Paytech providers should analyze the problems faced by users immediately after an encounter.By applying text mining analysis,service providers can gain efficiency in understanding user sentiments and emotions without tedious and time-consuming reviews.Originality/value This is a pioneering study on peer-to-peer(P2P)mobile payment systems from the user’s perspective because it investigates the emotions and sentiments that users convey through bank reviews.展开更多
This study examines the transformative impact of Apple Pay on urban landscapes and socioeconomic frameworks,with a particular focus on spending patterns and retail dynamics in metropolitan areas.By evaluating the adop...This study examines the transformative impact of Apple Pay on urban landscapes and socioeconomic frameworks,with a particular focus on spending patterns and retail dynamics in metropolitan areas.By evaluating the adoption levels,the technological support,and the social impact of Apple Pay,the study shows that the service is both a catalyst for the development of digital payment and a sign of an increasing social gap.Although it has rapidly transformed Retail Enterprises and supported the construction of smart cities,especially in major world cities such as New York,London,and Tokyo,the work has brought out notable digital divides.Although Apple Pay,with more than 75%of iPhone users and 9,000 banks in 60 world areas and regions,has impacts that are not the same across urban populations,the study shows that while large format retailers have effectively adopted Apple Pay for value-added services to consumers and enhanced payment efficiency,small businesses encounter significant barriers in implementation.Additionally,the technology leverages smartphone usage and banking relationships,which does not address considerable urban population demographics and deeper issues of technology exclusion and inequality in the contemporary city.Such results call for attaining a just society’s technological advancement for efficiencies while still catering to all groups of urban dwellers.展开更多
文摘Money is how we pay for things that we need.People pay for things in cash,which is the main form for a long time.Nowadays,there are more ways to pay than ever,including mobile payment or e-payments.Cash comes in the form of banknotes and coins;e-payments make people buy things through a phone and watch.So,which way of buying things is better?
基金Guangdong Medical Science and Technology Research Fund,Research on the Construction of a Clinical Path Discrimination Model for Stroke Patients Based on the XGBoost Integrated Learning Algorithm and Its Application in MOP under the DIP Payment Model,(Project No.:B2023177)Guangdong Health Economics Association,Research on the Prediction of Hospitalization Costs of Stroke Patients under the DRG/DIP Reform Based on Machine Learning Algorithms,(Project No.:2022-WJMF-13)。
文摘Objective:Aiming at the problems of clinical pathway optimization and medical cost control for stroke patients,this study proposes a clinical pathway discrimination model based on the XGBoost integrated learning algorithm.Combined with the multi-objective programming(MOP)method,this study explores its application value under the Diagnosis-Intervention Packet(DIP)payment model.Methods:The data of stroke patients(ICD codes I60-I63)from 2018 to 2024 were obtained through the medical record statistical management system of medical institutions in Guangdong Province.Efficiency indicators(average length of hospital stay),health economics indicators(total cost),effectiveness indicators(mortality rate),and specific indicators(NIHSS score)were extracted.The XGBoost algorithm was used to construct the clinical pathway discrimination model,and the hyperparameters were optimized through grid search.Based on the DIP payment rules,the prediction results of the model were used as inputs to establish a dynamic programming model,aiming to minimize costs and maximize curative effects to obtain the optimal clinical pathway plan.Results:The goodness-of-fit(R 2)of the XGBoost model on the test set reached 0.768,which was significantly better than that of the random forest(0.691)and the BP neural network(0.343).The total cost of the clinical pathway optimized by the dynamic programming model decreased by 12.7%(95%CI:10.2-15.1%),the average length of hospital stay was shortened by 1.8 days,and the NIHSS improvement rate increased by 8.3%.Conclusion:The integrated model proposed in this study has high accuracy and robustness in clinical pathway discrimination.Combined with the MOP method,it can provide a scientific basis for the optimization of medical resources under the DIP model,helping medical institutions achieve the dual goals of precise cost control and curative effect improvement.
基金the State University of Makassar for their financial backing of this study(SP DIPA-023.17.2.677523/2021 Revision 01).
文摘Mangrove ecosystems support biodiversity,protect coastal areas,and provide sustainable livelihoods.However,they face significant threats from deforestation and unsustainable land use practices.This study examines the viability of the payments for ecosystem services(PES)programs in promoting sustainable mangrove tourism in Tongke-Tongke Village,Sinjai District,South SulawesiProvince,Indonesia.We collected data through household surveys,semi-structured stakeholder interviews,and tourist questionnaires to evaluate the economic value of mangrove tourism and tourists’willingness to pay(WTP)for conservation.Analytical methods included quantitative descriptive analysis,thematic analysis,travel cost analysis,and contingent valuationmethod.The results indicatedstrong community support,with 70.00% of respondents acknowledging sustainable mangrove tourism’s economic,environmental,and cultural benefits.Economic estimates revealedthat mangrove tourism generated 943.00 USD/(hm^(2)·a),while tourists’WTP for conservation rangedfrom 0.21 to 0.56 USD/(person×month),contributing approximately 11.39 USD/(hm^(2)·a).Despite challenges such as inadequate infrastructure,socioeconomic disparities,and land privatization,this study advocates for integrating the PES programs,enhancing governance frameworks,and fostering local community engagement to ensure equitable benefit distribution and maximize the potential of mangrove tourism.These strategies aim to bolster conservation efforts,improve local livelihoods,and strengthen the resilience of mangroveecosystems.
基金Supported by the National Natural Science Foundation of China (No. 70031020)
文摘On the background of integrated ERP development, activity-value-flexibility management (AVFM) is defined. By using economic-value-added (EVA) and corporate value creation as the objective of AVFM, custom value deviating rate, capital cost deviating rate, cash-flow-out per purchase deviating rate and cash-flow-in per sell deviating rate are developed to be the key responding variates for AVFM, and they also decide the rational quantity range for AVFM tactics. Method for rational AVFM tactics solution could be got by means of redesigning activity information process on integrated ERP.
文摘Test Case Prioritization(TCP)techniques perform better than other regression test optimization techniques including Test Suite Reduction(TSR)and Test Case Selection(TCS).Many TCP techniques are available,and their performance is usually measured through a metric Average Percentage of Fault Detection(APFD).This metric is value-neutral because it only works well when all test cases have the same cost,and all faults have the same severity.Using APFD for performance evaluation of test case orders where test cases cost or faults severity varies is prone to produce false results.Therefore,using the right metric for performance evaluation of TCP techniques is very important to get reliable and correct results.In this paper,two value-based TCP techniques have been introduced using Genetic Algorithm(GA)including Value-Cognizant Fault Detection-Based TCP(VCFDB-TCP)and Value-Cognizant Requirements Coverage-Based TCP(VCRCB-TCP).Two novel value-based performance evaluation metrics are also introduced for value-based TCP including Average Percentage of Fault Detection per value(APFDv)and Average Percentage of Requirements Coverage per value(APRCv).Two case studies are performed to validate proposed techniques and performance evaluation metrics.The proposed GA-based techniques outperformed the existing state-of-the-art TCP techniques including Original Order(OO),Reverse Order(REV-O),Random Order(RO),and Greedy algorithm.
基金the project:the Science and Technology Planning Project of Zhuhai City of China(No.20191206F060001)。
文摘Objective To evaluate the effect of pharmacist-driven antimicrobial stewardship based on value-based healthcare in a tertiary hospital in China.Methods The application of plan-do-check-action(PDCA)cycle and antimicrobial stewardship(AMS)were respectively used to improve the rational use of antimicrobial agents in prophylactic and therapeutic.Data were collected and the effect was assessed during the management period(2016-2019).Results and Conclusion From 2016(before implementation)to 2019(after implementation),the rational use of antibiotics were obviously enhanced in outpatients,inpatients,and emergency department.For instance,the utilization rate in type I incision operation was decreased from 26.42%to 14.60%(P=0.000),the daily doses of antibiotic per 100 patient-days decreased from 49.34±2.97 to 35.89±4.96(P=0.000),and the average antibiotic expenditures dropped from 948.53 yuan to 526.30 yuan(P=0.000).There was no significant change in infection rate,nosocomial mortality rate,and the length of hospital stay.After the implementation of clinical pharmacist-driven antimicrobial stewardship based on value-based healthcare,the consumption and cost of antibacterial have been greatly reduced.Therefore,the pharmacist-driven antimicrobial stewardship increases its value。
基金Foundation items:National Natural Science Foundation of China(No.71874027)Ministry of Education Humanities and Social Sciences Research Youth Fund Project(No.23YJC760028)。
文摘The time-varying difference-in-difference model is used to identify the impact of payment technology on residents’consumption,and the moderation effect analysis method is used to identify its mechanism.It is found that payment technology promotes consumption capacity expansion and quality improvement(CEQI)through three pathways of alleviating liquidity constraints,reducing transaction costs and weakening the payment of pain.The parallel and serial mechanisms of the three are further explored.The effect of payment technology on the CEQI of residents’consumption shows obvious heterogeneity due to differences in urban and rural household registration and financial literacy.Based on the empirical research results and the national conditions of China,targeted policy recommendations are proposed from the demand side,the supply side and the technological side.
文摘In the contemporary world, there are three interconnected global environmental crises (climate change, biodiversity loss, and pollution). The common thread is the unsustainable pattern of production and consumption, which leads to international and local socio-environmental injustices. Seeking environmental justice in Brazil, the success of the rubber tapper social movement stands out, culminating in the Chico Mendes Extractive Reserve (RESEX) implementation in the Brazilian Amazon. However, the residents have struggled to generate income to help their families’ social reproduction. Conventional payment instruments for environmental services have failed to remunerate the socio-environmental attributes of sustainable products adequately. This paper aims to carry out a socio-environmental economic-ecological valuation of the main extractive products of the RESEX in 2021/2022. To this end, a methodology calculates the cost of social reproduction of rural family production, being a non-market price index reference for monetary valuation. The results indicate the acceptability of the socio-environmental valuation of native rubber and Brazil nuts, as they can guarantee environmental conservation, improve the families’ well-being with adequate income for their social reproduction, as well as value attributes outside the market, which helps in the fight against further expropriation or enclosure of rural families in the Amazon.
文摘In this paper, an EOQ inventory model is developed for deteriorating items with variable rates of deterioration and conditions of grace periods when demand is a quadratic function of time. The deterioration rate considered here is a special type of Weibull distribution deterioration rate, i.e., a one-parameter Weibull distribution deterioration rate and it increases with respect to time. The quadratic demand precisely depicts of the demand of seasonal items, fashion apparels, cosmetics, and newly launched essential commodities like android mobiles, laptops, automobiles etc., coming to the market. The model is divided into three policies according to the occurrence of the grace periods. Shortages, backlogging and complete backlogging cases are not allowed to occur in the model. The proposed model is well-explained with the help of a simple solution procedure. The three numerical examples are taken to illustrate the effectiveness of the EOQ inventory model along with sensitivity analysis.
文摘Disruptive innovations caused by FinTech(i.e.,technology-assisted customized financial services)have brought digital peer-to-peer(P2P)payments to the fore.In this challenging environment and based on theories about customer behavior in response to technological innovations,this paper identifies the drivers of consumer adoption of mobile P2P payments and develops a machine learning model to predict the use of this thriving payment option.To do so,we use a unique data set with information from 701 participants(observations)who completed a questionnaire about the adoption of Bizum,a leading mobile P2P platform worldwide.The respondent profile was the average Spanish citizen within the framework of European culture and lifestyle.We document(in this order of priority)the usefulness of mobile P2P payments,influence of peers and other social groups such as friends,family,and colleagues on individual behavior(that is,subjective norms),perceived trust,and enjoyment of the user experience within the digital context and how those attributes better classify(potential)users of mobile P2P payments.We also find that nonparametric approaches based on machine learning algorithms outperform traditional parametric methods.Finally,our results show that feature selection based on random forest,such as the Boruta procedure,as a preprocessing technique substantially increases prediction performance while reducing noise,redundancy of the resulting model,and computational costs.The main limitation of this research is that it only has a place within the sociocultural and institutional framework of the Spanish population.It is therefore desirable to replicate this study by surveying people from other countries to analyze the effects of the institutional environment on the adoption of mobile P2P payments.
基金funded by the University of Seville under grant to the Research Group[SEJ-566].
文摘Purpose This study aims to identify which determinants are responsible for impacting the user experience of three peer-to-peer(P2P)payment services in the Spanish market.Design/methodology/approach A sample of all online reviews(n=16,048)published in Google Play of three paytech apps—Bizum,Twyp,and Verse—was analyzed using text mining and sentiment analysis.Findings A holistic interpretation of the seed terms included in each aspect allowed to label them based on the preferences expressed by paytech app users in their reviews.Six latent aspects were identified:ease of use,usefulness,perceived value,performance expectancy,perceived quality,and user experience.In addition,the results of the analysis suggest a positivity bias in the online reviews of fintech P2P app users.Our results also show that online reviews of apps associated with banks or financial institutions,such as Bizum(to a greater extent)or Twyp,show more negative emotions,whereas independent apps(Verse)show more positive emotions.Moreover,the most critical users are those of unidentified gender,while women remain in a more neutral position,and men tend to express their opinions more positively regarding P2P payment apps.Practical implications Paytech providers should analyze the problems faced by users immediately after an encounter.By applying text mining analysis,service providers can gain efficiency in understanding user sentiments and emotions without tedious and time-consuming reviews.Originality/value This is a pioneering study on peer-to-peer(P2P)mobile payment systems from the user’s perspective because it investigates the emotions and sentiments that users convey through bank reviews.
文摘This study examines the transformative impact of Apple Pay on urban landscapes and socioeconomic frameworks,with a particular focus on spending patterns and retail dynamics in metropolitan areas.By evaluating the adoption levels,the technological support,and the social impact of Apple Pay,the study shows that the service is both a catalyst for the development of digital payment and a sign of an increasing social gap.Although it has rapidly transformed Retail Enterprises and supported the construction of smart cities,especially in major world cities such as New York,London,and Tokyo,the work has brought out notable digital divides.Although Apple Pay,with more than 75%of iPhone users and 9,000 banks in 60 world areas and regions,has impacts that are not the same across urban populations,the study shows that while large format retailers have effectively adopted Apple Pay for value-added services to consumers and enhanced payment efficiency,small businesses encounter significant barriers in implementation.Additionally,the technology leverages smartphone usage and banking relationships,which does not address considerable urban population demographics and deeper issues of technology exclusion and inequality in the contemporary city.Such results call for attaining a just society’s technological advancement for efficiencies while still catering to all groups of urban dwellers.
