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Banks face the task of improving the accuracy in predicting the behavior of individuals who utilize credit cards, as issuing cards to an appropriate applicant is considered an important matter. Credit card debt that is overdue by at least six months has seen a rapid increase in the past decade in the Chinese credit card industry. The problem of delinquency in credit cards not only affects the development of credit cards but it also influences the sustainability of banks. The use of credit risk assessment is critical in providing a solid foundation upon which the credit card issuer can appropriately approve an applicant for a credit card. In previous studies, a variety of machine learning methods have been proposed to assess credit risk. However, conventional methods are viewed as shallow models and are not good at representing compositional features. Thus, this study applies a deep multiple kernel classifier as a state-of-the-art technique, which is proficient in coping with deep structure and complex data in credit risk assessment. It will support decision-makers issuing credit cards in China appropriately. The results indicate that deep multiple kernel classifier outperforms conventional and ensemble models. Credit card departments with better risk management can avoid possible bad debt, hence benefiting banks’ operations. The applications of predictive intelligence enhance the prediction of human behavior in the credit card industry.
Cheng-Feng Wu; Shian-Chang Huang; Chei-Chang Chiou; Yu-Min Wang. A predictive intelligence system of credit scoring based on deep multiple kernel learning. Applied Soft Computing 2021, 111, 107668 .
AMA StyleCheng-Feng Wu, Shian-Chang Huang, Chei-Chang Chiou, Yu-Min Wang. A predictive intelligence system of credit scoring based on deep multiple kernel learning. Applied Soft Computing. 2021; 111 ():107668.
Chicago/Turabian StyleCheng-Feng Wu; Shian-Chang Huang; Chei-Chang Chiou; Yu-Min Wang. 2021. "A predictive intelligence system of credit scoring based on deep multiple kernel learning." Applied Soft Computing 111, no. : 107668.
Mobile phones are now used ubiquitously in everyday life around the world. However, using mobile devices for learning activities (i.e. m-learning) is not as popular as initially expected. This study explores the factors that affect m-learning apps acceptance among mobile phone users and investigates how personality, readiness, and motivation contribute to m-learning acceptance. The results of partial least squares analysis (PLS) with 297 valid samples indicate that conscientiousness and m-learning readiness are critical antecedents of intrinsic motivation and extrinsic motivation, with both motivations affecting intention to use m-learning app systems significantly and positively. Finally, theoretical and managerial implications are presented based on this study’s interesting findings.
Ching-Hsuan Yeh; Yi-Shun Wang; Yu-Min Wang; Ting-Jun Liao. Drivers of mobile learning app usage: an integrated perspective of personality, readiness, and motivation. Interactive Learning Environments 2021, 1 -18.
AMA StyleChing-Hsuan Yeh, Yi-Shun Wang, Yu-Min Wang, Ting-Jun Liao. Drivers of mobile learning app usage: an integrated perspective of personality, readiness, and motivation. Interactive Learning Environments. 2021; ():1-18.
Chicago/Turabian StyleChing-Hsuan Yeh; Yi-Shun Wang; Yu-Min Wang; Ting-Jun Liao. 2021. "Drivers of mobile learning app usage: an integrated perspective of personality, readiness, and motivation." Interactive Learning Environments , no. : 1-18.
Purpose The study aims to examine the relationships among personality traits (i.e. the Big Five personality traits and locus of control), self-perceived facial attractiveness, motivations (i.e. intrinsic and extrinsic motivation) and intention toward live stream broadcasting. It also investigates the moderating role of perceived behavioral control in the relationship between motivations and intention. Design/methodology/approach Data collected from a sample of 637 participants are used to examine the research model and test the hypotheses with the employment of partial least squares structural equation modeling. Findings The study shows that motivations and perceived behavioral control are significant predictors of intention. Perceived behavioral control has a significant moderating effect between motivations and intention. Intrinsic motivation is positively influenced by self-perceived facial attractiveness, agreeableness, extraversion and internal locus of control, while extrinsic motivation is positively predicted by self-perceived facial attractiveness, conscientiousness and extraversion. Originality/value This study enhances our understanding of the determinants of intention toward live stream broadcasting by exploring its relationships with motivations, self-perceived facial attractiveness and personality, as well as the moderating effects of perceived behavioral control.
Guan-Yu Lin; Yi-Shun Wang; Yu-Min Wang; Meng-Hsuan Lee. What drives people's intention toward live stream broadcasting. Online Information Review 2021, ahead-of-p, 1 .
AMA StyleGuan-Yu Lin, Yi-Shun Wang, Yu-Min Wang, Meng-Hsuan Lee. What drives people's intention toward live stream broadcasting. Online Information Review. 2021; ahead-of-p (ahead-of-p):1.
Chicago/Turabian StyleGuan-Yu Lin; Yi-Shun Wang; Yu-Min Wang; Meng-Hsuan Lee. 2021. "What drives people's intention toward live stream broadcasting." Online Information Review ahead-of-p, no. ahead-of-p: 1.
This study empirically investigates the effects of online consumer reviews on hotel accommodation performance in an e-commerce context. Online consumer reviews include two types: online consumer satisfaction and electronic word-of-mouth (eWOM). eWOM was also regarded as the proxy of consumer loyalty. Hotel-level online consumer reviews from three well-known online travel agencies (i.e., Agoda.com, Expedia.com, and Trip.com) and financial data from 88 hotels were combined and analyzed using the Hayes’ PROCESS Macro. Based on the service-profit chain (SPC) framework, the two forms of online consumer reviews, satisfaction, and eWOM, were hypothesized to have positive effects on performance. The hypothetic effects were assessed in terms of the concurrent model and three lagged models. The results indicate that satisfaction has a positive effect on eWOM. However, to our great surprise, the two forms of online consumer reviews did not directly affect hotel accommodation performance across the concurrent model and the three lagged models. Additionally, online consumer satisfaction did not influence hotel accommodation performance via eWOM. The results have several important theoretical and practical implications for online consumer relationship management in the hospitality and tourism industry. The results of this study can further clarify the relationships among online consumer satisfaction and eWOM (customer loyalty), and performance.
Timmy Tseng; Shao-Hsun Chang; Yu-Min Wang; Yi-Shun Wang; Shin-Jeng Lin. An Empirical Investigation of the Longitudinal Effect of Online Consumer Reviews on Hotel Accommodation Performance. Sustainability 2020, 13, 193 .
AMA StyleTimmy Tseng, Shao-Hsun Chang, Yu-Min Wang, Yi-Shun Wang, Shin-Jeng Lin. An Empirical Investigation of the Longitudinal Effect of Online Consumer Reviews on Hotel Accommodation Performance. Sustainability. 2020; 13 (1):193.
Chicago/Turabian StyleTimmy Tseng; Shao-Hsun Chang; Yu-Min Wang; Yi-Shun Wang; Shin-Jeng Lin. 2020. "An Empirical Investigation of the Longitudinal Effect of Online Consumer Reviews on Hotel Accommodation Performance." Sustainability 13, no. 1: 193.
Purpose With the proliferation of virtual reality (VR) applications in electronic commerce, investigations on the effects of VR on consumer responses are important. The purpose of this paper is to examine the effects of online presentation modes (i.e. situational VR, pure VR and picture) on consumer responses for three product types (i.e. geometric, material and mechanical). Design/methodology/approach This study conducted a 3×3 between-subjects experiment to validate the research model and hypotheses. Findings The results revealed that both the situational VR mode and the pure VR mode had a greater impact on product knowledge and purchase intention than the picture mode. The situational VR mode yielded a higher level of product knowledge and purchase intention than the pure VR mode although it was not statistically significant. Furthermore, the pattern of VR modes superiority was found to be consistent across geometric, material and mechanical product types. Originality/value This research study contributes to the VR literature by investigating a new type of VR: situational VR, and offering a more comprehensive picture of consumer responses to online product presentations. The authors then drew the implications from the findings to suggest guidelines for practitioners to efficiently allocate resources and maximize the effectiveness of online presentation modes.
Yi-Shun Wang; Ching-Hsuan Yeh; Yu-Min Wang; Timmy H. Tseng; Hsin-Hui Lin; Shinjeng Lin; Min-Quan Xie. Investigating online consumers’ responses to product presentation modes. Internet Research 2019, 29, 1233 -1255.
AMA StyleYi-Shun Wang, Ching-Hsuan Yeh, Yu-Min Wang, Timmy H. Tseng, Hsin-Hui Lin, Shinjeng Lin, Min-Quan Xie. Investigating online consumers’ responses to product presentation modes. Internet Research. 2019; 29 (6):1233-1255.
Chicago/Turabian StyleYi-Shun Wang; Ching-Hsuan Yeh; Yu-Min Wang; Timmy H. Tseng; Hsin-Hui Lin; Shinjeng Lin; Min-Quan Xie. 2019. "Investigating online consumers’ responses to product presentation modes." Internet Research 29, no. 6: 1233-1255.
The psychological effects of information technology (IT) use have been widely reported and assessed in the literature. However, although concerns are growing regarding the potential physiological impacts of IT use on the health of IT users, assessment of this issue is currently hampered by the lack of an appropriate information-system (IS) physiological scale. Given the limited utility of existing self-report instruments, the main purpose of this study is to develop an instrument to measure perceived physiological vulnerability to IT use (PPVITU). This study introduces and defines a PPVITU construct, validates this construct and its basic dimensions empirically, develops a generic PPVITU instrument with appropriate psychometric properties, and examines the theoretical and practical applications of this instrument. After analyzing data provided by 308 IT-user respondents, this study proposes a 4-factor, 17-item PPVITU instrument. The authors expect that this empirically validated instrument will be useful to researchers working to develop and test theories of educational technology use as well as to educators working to better understand student perceptions of physiological vulnerability to IT and educational-technology use.
Hsin-Hui Lin; Yu-Yin Wang; Yi-Shun Wang. Measuring perceived physiological vulnerability to IT usage: an initial test in a virtual reality-based learning environment. Interactive Learning Environments 2018, 28, 831 -846.
AMA StyleHsin-Hui Lin, Yu-Yin Wang, Yi-Shun Wang. Measuring perceived physiological vulnerability to IT usage: an initial test in a virtual reality-based learning environment. Interactive Learning Environments. 2018; 28 (7):831-846.
Chicago/Turabian StyleHsin-Hui Lin; Yu-Yin Wang; Yi-Shun Wang. 2018. "Measuring perceived physiological vulnerability to IT usage: an initial test in a virtual reality-based learning environment." Interactive Learning Environments 28, no. 7: 831-846.
Background: This study explored the effectiveness of different concept mapping techniques on the learning achievement of senior accounting students and whether achievements attained using various techniques are affected by different learning styles. The techniques are computer-assisted...
Yu-Min Wang; Chei-Chang Chiou; Li-Tze Lee; Li-Chu Tien. Analyzing the Effects of various Concept Mapping Techniques on Learning Achievement under different Learning Styles. Eurasia Journal of Mathematics, Science and Technology Education 2017, 13, 3687 -3708.
AMA StyleYu-Min Wang, Chei-Chang Chiou, Li-Tze Lee, Li-Chu Tien. Analyzing the Effects of various Concept Mapping Techniques on Learning Achievement under different Learning Styles. Eurasia Journal of Mathematics, Science and Technology Education. 2017; 13 (7):3687-3708.
Chicago/Turabian StyleYu-Min Wang; Chei-Chang Chiou; Li-Tze Lee; Li-Chu Tien. 2017. "Analyzing the Effects of various Concept Mapping Techniques on Learning Achievement under different Learning Styles." Eurasia Journal of Mathematics, Science and Technology Education 13, no. 7: 3687-3708.
As knowledge becomes an increasingly valuable and important organizational asset, many firms anticipate that implementing the knowledge management systems (KMS) will effectively support and enhance organizational knowledge management activities. Even some firms regard KMS as an emerging and powerful source of competitive advantages. However, the implementation of KMS differs from that of traditional enterprise information systems. The implementation of KMS is difficult and risky since these systems are unstructured and so technologically innovative. Thus, effort is required to identify determinants affecting KMS implementation in businesses. Based on innovation diffusion theory and technology-organization-environment framework, this study develops and tests an integrated model of knowledge management systems implementation for businesses. Survey data were collected from 291 businesses in Taiwan. Confirmatory factor analysis and logistic regression technique were used test the hypothesized relationships. The results show that technological innovation factors (perceived benefits, complexity, and compatibility), organizational factors (top management support, organizational culture), and environmental factors (competitive pressure) are significant influences on KMS implementation in firms. Finally, the implications and future research on KMS implementation are discussed.
Yu-Min Wang; Yao-Ching Wang. Determinants of firms' knowledge management system implementation: An empirical study. Computers in Human Behavior 2016, 64, 829 -842.
AMA StyleYu-Min Wang, Yao-Ching Wang. Determinants of firms' knowledge management system implementation: An empirical study. Computers in Human Behavior. 2016; 64 ():829-842.
Chicago/Turabian StyleYu-Min Wang; Yao-Ching Wang. 2016. "Determinants of firms' knowledge management system implementation: An empirical study." Computers in Human Behavior 64, no. : 829-842.
Yu-Min Wang; Yi-Shuan Lin. Determinants of Internet Entrepreneurship Intentions among Business School Students. International Journal of Information and Education Technology 2016, 6, 754 -758.
AMA StyleYu-Min Wang, Yi-Shuan Lin. Determinants of Internet Entrepreneurship Intentions among Business School Students. International Journal of Information and Education Technology. 2016; 6 (10):754-758.
Chicago/Turabian StyleYu-Min Wang; Yi-Shuan Lin. 2016. "Determinants of Internet Entrepreneurship Intentions among Business School Students." International Journal of Information and Education Technology 6, no. 10: 754-758.
The purpose of this study is to analyze how channel characteristics influence the channel attitudes of multi-channel research shoppers. In addition, the study also considers consumers’ complex shopping behaviors that involve using one channel for search and another for purchase simultaneously. Survey data were collected from 191 consumers with recent (i.e., in the last 3 months) multi-channel experiences. Qualified respondents had either searched in physical retail stores and purchased on the Internet or searched on the Internet and subsequently purchased in physical retail stores. The research hypotheses were examined using multiple regression analysis. The results show that customer perceptions of channel characteristics drive channel choice attitudes. Importantly, we find the significance of channel characteristics varies between the Internet and the physical channel. The research findings deepen our understanding of shopping behaviors in the multi-channel context. Practitioners may use the findings to manage the characteristics of the complementary channels while also designing marketing programs to create positive consumer attitudes toward search and purchase.
Yu-Min Wang; Hsin-Hui Lin; Wei-Chun Tai; Yi-Ling Fan. Understanding multi-channel research shoppers: an analysis of Internet and physical channels. Information Systems and e-Business Management 2015, 14, 389 -413.
AMA StyleYu-Min Wang, Hsin-Hui Lin, Wei-Chun Tai, Yi-Ling Fan. Understanding multi-channel research shoppers: an analysis of Internet and physical channels. Information Systems and e-Business Management. 2015; 14 (2):389-413.
Chicago/Turabian StyleYu-Min Wang; Hsin-Hui Lin; Wei-Chun Tai; Yi-Ling Fan. 2015. "Understanding multi-channel research shoppers: an analysis of Internet and physical channels." Information Systems and e-Business Management 14, no. 2: 389-413.
Statistical knowledge is widely used in academia; however, statistics teachers struggle with the issue of how to reduce students' statistics anxiety and enhance students' statistics learning. This study assesses the effectiveness of a “one-minute paper strategy” in reducing students' statistics-related anxiety and in improving students' statistics-related achievement. Participants were 77 undergraduates from two classes enrolled in applied statistics courses. An experiment was implemented according to a pretest/posttest comparison group design. The quasi-experimental design showed that the one-minute paper strategy significantly reduced students' statistics anxiety and improved students' statistics learning achievement. The strategy was a better instructional tool than the textbook exercise for reducing students' statistics anxiety and improving students' statistics achievement.
Chei-Chang Chiou; Yu-Min Wang; Li-Tze Lee. Reducing Statistics Anxiety and Enhancing Statistics Learning Achievement: Effectiveness of a One-Minute Strategy. Psychological Reports 2014, 115, 297 -310.
AMA StyleChei-Chang Chiou, Yu-Min Wang, Li-Tze Lee. Reducing Statistics Anxiety and Enhancing Statistics Learning Achievement: Effectiveness of a One-Minute Strategy. Psychological Reports. 2014; 115 (1):297-310.
Chicago/Turabian StyleChei-Chang Chiou; Yu-Min Wang; Li-Tze Lee. 2014. "Reducing Statistics Anxiety and Enhancing Statistics Learning Achievement: Effectiveness of a One-Minute Strategy." Psychological Reports 115, no. 1: 297-310.
With the rapid development of the Internet, constructing the e-learning system has been an integral part of many educational institutions. This study uses the Moodle system to make up for the shortcomings of learning in a large class, and find out the difference of learning performance and acceptance between traditional learning and digital learning. The study is experimented with the students in the Calculus course. There are two part of research design in the study. The first part corresponds to learning performance, which uses the quasi-experimental method to compare the difference of the experimental group, and the control group. The second part refers to technology acceptance, where the unified theory of acceptance use of technology (UTAUT) is used. With two dimensions: Outcome Expectation and Attainment Value, a new hybrid technology acceptance model is proposed to investigate the students’ intentions to use Moodle systems. Data Analysis of this study shows a great promising in providing new academic research evidence in e-learning teaching
Chun-Che Huang; Yu-Min Wang; Tsin-Wei Wu; Pei-An Wang. An Empirical Analysis of the Antecedents and Performance Consequences of Using the Moodle Platform. International Journal of Information and Education Technology 2013, 217 -221.
AMA StyleChun-Che Huang, Yu-Min Wang, Tsin-Wei Wu, Pei-An Wang. An Empirical Analysis of the Antecedents and Performance Consequences of Using the Moodle Platform. International Journal of Information and Education Technology. 2013; ():217-221.
Chicago/Turabian StyleChun-Che Huang; Yu-Min Wang; Tsin-Wei Wu; Pei-An Wang. 2013. "An Empirical Analysis of the Antecedents and Performance Consequences of Using the Moodle Platform." International Journal of Information and Education Technology , no. : 217-221.
With the initial success of the traditional Internet banking, several banks in Taiwan have been transferring their attention to implementing Web automatic teller machines (Web ATMs). Due to the multi-channel nature of online banking services and the difference in equipment requirement between the traditional Internet banking and Web ATM, users' adoption of traditional Internet banking does not promise their adoption of Web ATM. Thus, this study explores the factors influencing the usage behaviour of Web ATM by integrating the innovation diffusion theory and transaction cost theory. Data collected from 285 respondents in Taiwan are tested against the research model using discriminant analysis. The results indicate that perceived relative advantage, perceived complexity, perceived compatibility, perceived uncertainty, and perceived transaction frequency are salient determinants of user adoption of Web ATM. The findings of this study provide several important implications for Web ATM adoption research and practice.
Yi-Shun Wang; Shun-Cheng Wu; Hsin-Hui Lin; Yu-Min Wang; Ting-Rong He. Determinants of user adoption of web ''Automatic Teller Machines': an integrated model of 'Transaction Cost Theory' and 'Innovation Diffusion Theory'. The Service Industries Journal 2012, 32, 1505 -1525.
AMA StyleYi-Shun Wang, Shun-Cheng Wu, Hsin-Hui Lin, Yu-Min Wang, Ting-Rong He. Determinants of user adoption of web ''Automatic Teller Machines': an integrated model of 'Transaction Cost Theory' and 'Innovation Diffusion Theory'. The Service Industries Journal. 2012; 32 (9):1505-1525.
Chicago/Turabian StyleYi-Shun Wang; Shun-Cheng Wu; Hsin-Hui Lin; Yu-Min Wang; Ting-Rong He. 2012. "Determinants of user adoption of web ''Automatic Teller Machines': an integrated model of 'Transaction Cost Theory' and 'Innovation Diffusion Theory'." The Service Industries Journal 32, no. 9: 1505-1525.
The contactless credit card is one of the most promising technological innovations in the field of electronic payments. It provides consumers with greater control of payments, convenience, and transaction speed. However, contactless credit cards have yet to gain significant rates of adoption in the marketplace. Thus, effort must be made to identify factors affecting consumer adoption of contactless credit cards. Based on the technology acceptance model, innovation diffusion theory, and the relevant literature, seven variables (perceived usefulness, perceived ease of use, compatibility, perceived risk, trust, consumer involvement, availability of infrastructure) are proposed to help predict consumer adoption of contactless credit cards. Data collected from 312 respondents in Taiwan is tested against the proposed prediction model using the logistic regression approach. The results and implications of our study contribute to an expanded understanding of the factors that affect consumer adoption of contactless credit cards.
Yu–Min Wang. Determinants Affecting Consumer Adoption of Contactless Credit Card: An Empirical Study. CyberPsychology & Behavior 2008, 11, 687 -689.
AMA StyleYu–Min Wang. Determinants Affecting Consumer Adoption of Contactless Credit Card: An Empirical Study. CyberPsychology & Behavior. 2008; 11 (6):687-689.
Chicago/Turabian StyleYu–Min Wang. 2008. "Determinants Affecting Consumer Adoption of Contactless Credit Card: An Empirical Study." CyberPsychology & Behavior 11, no. 6: 687-689.
While several knowledge management systems' (KMS) success measures have been developed in previous studies, most of them focus on the measurement of knowledge use and performance of KMS. Little research has been conducted to develop specific instruments for measuring KMS success from the perspective of KMS knowledge production. Thus, the objective of this study was to develop an instrument for measuring user-perceived knowledge and information quality (KIQ) of KMS from the side of knowledge production. In this study, the characteristics of KMS were firstly analysed, and previous instruments for measuring information quality and KMS success then reviewed. Finally, an instrument for measuring the construct of KIQ in the KMS context was developed and validated in terms of its psychometric properties. The proposed instrument will be of value to researchers and practitioners interested in designing, implementing, researching, and managing KMS.
Yu-Min Wang; Yi-Shun Wang. Examining the dimensionality and measurement of user-perceived knowledge and information quality in the KMS context. Journal of Information Science 2008, 35, 94 -109.
AMA StyleYu-Min Wang, Yi-Shun Wang. Examining the dimensionality and measurement of user-perceived knowledge and information quality in the KMS context. Journal of Information Science. 2008; 35 (1):94-109.
Chicago/Turabian StyleYu-Min Wang; Yi-Shun Wang. 2008. "Examining the dimensionality and measurement of user-perceived knowledge and information quality in the KMS context." Journal of Information Science 35, no. 1: 94-109.
We proposed and empirically assessed a KMS success model. This was derived through an analysis of current practice of knowledge management and review of IS success literature. Five variables (system quality, knowledge or information quality, perceived KMS benefits, user satisfaction, and system use) were used as dependent variables in evaluating KMS success, and their interrelationships were suggested and empirically tested. The results provide an expanded understanding of the factors that measure KMS success and implications of this work are discussed.
Jen-Her Wu; Yu-Min Wang. Measuring KMS success: A respecification of the DeLone and McLean's model. Information & Management 2006, 43, 728 -739.
AMA StyleJen-Her Wu, Yu-Min Wang. Measuring KMS success: A respecification of the DeLone and McLean's model. Information & Management. 2006; 43 (6):728-739.
Chicago/Turabian StyleJen-Her Wu; Yu-Min Wang. 2006. "Measuring KMS success: A respecification of the DeLone and McLean's model." Information & Management 43, no. 6: 728-739.