beSMART

FINANCIAL INCLUSION FOR INCLUSIVE GROWTH: THE NIGERIAN PERSPECTIVE.

JOB PRISTINE MIGAP, INNOCENT OKWANYA, GODFREY OJEKA

Finance is vital for inclusive growth. The financial market is the mother of all markets; hence financial inclusion is critical to achieving inclusive growth in the economy. The importance of financial inclusion arises from the problem of financial exclusion of nearly 3 billion people from the formal financial services across the world. This paper explores the level of financial inclusion and its potential impact on an inclusive growth of the Nigerian economy, using relevant inclusive growth indices and indicators. The results revealed that the depth of financial inclusive is shallow even among African economies and more-so with emerging economies. It therefore recommends amongst others, the deployment of enhanced mobile banking and internet services by financial institutes to improve access to bank accounts and other services as well as the active participation of educational institutes in furthering financial literacy.

Financial Inclusion. Inclusive Growth. Nigerian Economy. Mobile Banking.

THE EFFECT OF ONLINE TO OFFLINE SERVICE ATTRIBUTES ON CUSTOMER SATISFACTION A CASE OF ONLINE PURCHASING SMARTPHONE

Hsio-Min Wang, Zolzaya Batmunkh

The last few years, consumers look for ways to streamline their shopping process. Online shopping has become an important consideration, as it is rapidly growing as a competitive distribution channel. Consumers can shop anytime and anywhere they like, simply with an electronic device that is connected to the Internet. A great variety of products can be ordered online and it provides abundant choice and information for consumers (Michael, 2000; Neilsen Company, 2007; Marketingcharts.com, 2011; Forrester Research, 2000).

E-commerce, O2O, Customer Satisfaction

Improved algorithms for Token bucket and closed-loop control system in Congestion control of computer networks

Shaikh Shariful Habib

Token Bucket is a very important algorithm in congestion control of computer networks. But it has some limitations to manage the bursty traffic. Again if we look at the closed-loop system then we find the trouble of packet discarding and maintaining queue. In this article I have tried to show a different way of how to maintain the tokens in the token bucket with bursty traffic and also tried to give a better idea of how to manage the closed-loop system to control the congestion of computer networks.

Token Bucket, Traffic Shaping, Average Length Queue

CONSUMERS’ INTENTION TO USE M-COMMERCE IN TOURISM INDUSTRY

Hsio-Min Wang, Gereltsatsral Enkhbayar

The DeLone and McLean (D&M) model of Information Systems (IS) Success had been a commonly utilized and significant model to be used to measure the organizational success in IS field.
This empirical paper evaluates the relative importance of IS success in building consumers’ intention to use mobile commerce in tourism industry. Furthermore, this paper also acts as a platform to investigate the relationship between DeLone and McLean model and consumers’ intention to use on mobile tourism.
 The elements identified in the model are consists of service quality, information quality and system quality. To examine the vital role of IS success in building consumers’ intention to use in mobile tourism, 274 questionnaire surveys were distributed to customers who have experience in using mobile commerce on travel website.
In this research, descriptive statistics and inferential analysis will be conducted on the data. The managers in tourism industry will be able to identify the key elements in IS success to achieve the organizational success by implementing the correct and suitable IS in the development process ofcompany’s website.

Consumers’ intention to use, M-commerce, M-commerce in Tourism industry