Authors: Hari Babu Singu,

Journal: SMART-JOURNAL OF BUSINESS MANAGEMENT STUDIES
Publication date:  July-December 2022
Publisher: SCIENTIFIC MANAGEMENT & ADVANCED RESEARCH TRUST
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Abstract

The study explores the determinants, that influence the willingness to pay for customized health insurance package, in the context of a developing country. The targeted respondents were drawn from both urban and rural areas of Amritsar, Jalandhar, Kapurthala, Ludhiana, Mohali, and Patiala Districts of Punjab State, India. A pre-tested questionnaire was administered to 1254 low-income households, selected by stratified random sampling technique. The contingent valuation method was applied to elicit willingness to pay (WTP), using the reverse bidding format. Descriptive statistics for demographic details of the respondents and multiple regression method (backward), was used to explore the influence of socio-economic determinants on willingness to pay. Overall, the average willingness to pay for a customized package was Rs 888.56 per year ($50. 11). The regression results revealed that higher the education profile, higher the willingness to pay and more the number of dependents and sick members in the family, higher the willingness to pay.

Authors: Debarun Chakraborty,Hari Babu Singu.

Journal: JOURNAL OF PUBLIC AFFAIRS
Publication date: 01 Aug 2022
Publisher: WILEY
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Abstract

Mobile payment services are the most growing business in recent days and it is the most cost-effective tool as well. This study aimed to explore the factors affecting the adoption of m-payment services in emerging economies, which was attained by implementing the descriptive research design. Accordingly, the collection of 440 responses was carried out via the e-mail method, wherein the respondents were selected by using the convenience sampling method. To this end, the research adapted the dimensions of UTAUT, ISS model, trust, and perceived security to examine one’s adoption behavior toward mobile banking services. It was thus found that system quality yielded the strongest and significant influence on the intention to adopt, whereby the latter element served as a mediator and fully mediated the relationships between effort expectancy, facilitating conditions, and intention to recommend. Henceforth, the findings obtained in this study would aid industry practitioners in exploring pertinent strategies toward encouraging the adoption of mobile banking services not only among individuals but also for microentrepreneurs and SMEs. This is further achieved via the combination of the dimensions included in the UTAUT and ISS models along with the elements of trust and perceived security, thereby offering tremendous value addition to the existing literature. This particular study will further make several contribution toward mobile banking and mobile payment services related literature.

Authors: Debarun Chakraborty,Hari Babu Singu, Smruti Patre

Journal: JOURNAL OF RETAILING AND CONSUMER SERVICES
Publication date: 05 July 2022
Publisher: ELSEVIER SCI LTD
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Abstract

With the rise in popularity and use of fitness apps, more research is needed to learn more about how people use the apps so that they keep using them. Stimulus-Organism-Behaviour-Consequence framework (S-O-B-C) and the Innovation Resistance Theory (IRT) together in this study to learn more about how people make decisions about how to use apps for fitness. Eight hundred and fifty-eight users of various fitness apps have responded to the questionnaire. Results show that people who are open to changing their fitness systems from traditional to app-based services enjoy new experiences and new product behaviours. For them, the perceived functional barriers to service adoption don’t hold them back. At the same time the users of fitness apps try to get health and fitness information from as many sources as possible, like friends, peer groups, the newspaper and social networking apps. Users with a high level of health consciousness are more likely to be active in their health and fitness. People who use apps make decisions based on new information from the integrated model. App providers should think about how to get and keep users interested in their apps, personalize their experience, and design features that make users invested in the apps.