Jove
Visualize
Contact Us
JoVE
x logofacebook logolinkedin logoyoutube logo
ABOUT JoVE
OverviewLeadershipBlogJoVE Help Center
AUTHORS
Publishing ProcessEditorial BoardScope & PoliciesPeer ReviewFAQSubmit
LIBRARIANS
TestimonialsSubscriptionsAccessResourcesLibrary Advisory BoardFAQ
RESEARCH
JoVE JournalMethods CollectionsJoVE Encyclopedia of ExperimentsArchive
EDUCATION
JoVE CoreJoVE BusinessJoVE Science EducationJoVE Lab ManualFaculty Resource CenterFaculty Site
Terms & Conditions of Use
Privacy Policy
Policies

Related Concept Videos

Factors Affecting Workability01:24

Factors Affecting Workability

100
The workability of concrete is a critical characteristic that influences the ease of mixing, handling, and finishing the concrete. It is affected by several factors including water content, aggregate properties, and admixtures like air entrainment. Water plays a fundamental role as it lubricates the concrete mix, facilitating easier movement and placement. However, the water requirement varies depending on the texture and shape of aggregates. Finer particles and angular, rough-textured...
100
Factorial Design02:01

Factorial Design

13.1K
Factorial Analysis is an experimental design that applies Analysis of Variance (ANOVA) statistical procedures to examine a change in a dependent variable due to more than one independent variable, also known as factors. Changes in worker productivity can be reasoned, for example, to be influenced by salary and other conditions, such as skill level. One way to test this hypothesis is by categorizing salary into three levels (low, moderate, and high) and skills sets into two levels (entry level...
13.1K
Models of Health Promotion and Illness Prevention I01:25

Models of Health Promotion and Illness Prevention I

2.1K
A model is a theoretical way to understand a concept or an idea. Models can overcome barriers to health regardless of diverse economic and cultural backgrounds. In addition, models make the task easier by providing different ways to approach complex issues. There are two major health promotion models: the health belief model and the health promotion model.
The health belief model (HBM) attempts to predict health-related behavior in specific belief patterns. According to the HBM, a person's...
2.1K
Cross-Sectional Research01:50

Cross-Sectional Research

11.4K
In cross-sectional research, a researcher compares multiple segments of the population at the same time. If they were interested in people's dietary habits, the researcher might directly compare different groups of people by age. Instead of following a group of people for 20 years to see how their dietary habits changed from decade to decade, the researcher would study a group of 20-year-old individuals and compare them to a group of 30-year-old individuals and a group of 40-year-old...
11.4K
Stereotype Content Model02:16

Stereotype Content Model

14.8K
The Stereotype Content Model (SCM) was first proposed by Susan Fiske and her colleagues (Fiske, Cuddy, Glick & Xu, 2002; see also Fiske, 2012 and Fiske, 2017). The SCM specifies that when someone encounters a new group, they will stereotype them based on two metrics: warmth—or that group’s perceived intent, and how likely they are to provide help or inflict harm—and competence—or their ability to carry out that objective. Depending on the warmth-competence...
14.8K
Social Exchange Theory02:06

Social Exchange Theory

34.6K
We have discussed why we form relationships, what attracts us to others, and different types of love. But what determines whether we are satisfied with and stay in a relationship? One theory that provides an explanation is social exchange theory. According to social exchange theory, we act as naïve economists in keeping a tally of the ratio of costs and benefits of forming and maintaining a relationship with others (Rusbult & Van Lange, 2003).
34.6K

You might also read

Related Articles

Articles linked to this work by shared authors, journal, and citation graph.

Sort by
Same author

Factors Affecting Perceived Effectiveness of Government Response towards COVID-19 Vaccination in Occidental Mindoro, Philippines.

Healthcare (Basel, Switzerland)·2022
Same author

Assessing Cognitive Factors of Modular Distance Learning of K-12 Students Amidst the COVID-19 Pandemic towards Academic Achievements and Satisfaction.

Behavioral sciences (Basel, Switzerland)·2022
See all related articles

Related Experiment Video

Updated: Aug 9, 2025

Applying an eMASS Customization Program as a Research Tool to Evaluate Consumer Benefits
08:27

Applying an eMASS Customization Program as a Research Tool to Evaluate Consumer Benefits

Published on: September 27, 2019

7.0K

Assessing Factors That Influence Womenpreneurs' Intention to Use Technology: A Structural Equation Modeling Approach.

Yung-Tsan Jou1, Wei-Jung Shiang1, Riana Magdalena Silitonga1,2

  • 1Department of Industrial and Systems Engineering, Chung Yuan Christian University, Taoyuan City 320314, Taiwan.

Behavioral Sciences (Basel, Switzerland)
|February 25, 2023
PubMed
Summary

Digital financial literacy apps are not suitable for lower-middle socio-economic users due to a lack of technological understanding. This research highlights the need for accessible financial education methods for this demographic.

Keywords:
empirical studyfinancial literacytechnology adoptionwomenpreneurs

More Related Videos

Online Explorative Study on the Learning Uses of Virtual Reality Among Early Adopters
07:29

Online Explorative Study on the Learning Uses of Virtual Reality Among Early Adopters

Published on: November 22, 2019

8.3K
Author Spotlight: Validation of SICOLE-R for Assessing Cognitive and Reading Skills in Spanish-Speaking Children and Its Role in Personalized Education
09:00

Author Spotlight: Validation of SICOLE-R for Assessing Cognitive and Reading Skills in Spanish-Speaking Children and Its Role in Personalized Education

Published on: August 16, 2024

841

Related Experiment Videos

Last Updated: Aug 9, 2025

Applying an eMASS Customization Program as a Research Tool to Evaluate Consumer Benefits
08:27

Applying an eMASS Customization Program as a Research Tool to Evaluate Consumer Benefits

Published on: September 27, 2019

7.0K
Online Explorative Study on the Learning Uses of Virtual Reality Among Early Adopters
07:29

Online Explorative Study on the Learning Uses of Virtual Reality Among Early Adopters

Published on: November 22, 2019

8.3K
Author Spotlight: Validation of SICOLE-R for Assessing Cognitive and Reading Skills in Spanish-Speaking Children and Its Role in Personalized Education
09:00

Author Spotlight: Validation of SICOLE-R for Assessing Cognitive and Reading Skills in Spanish-Speaking Children and Its Role in Personalized Education

Published on: August 16, 2024

841

Area of Science:

  • Behavioral Economics
  • Information Systems
  • Financial Education

Background:

  • Financial literacy is increasingly important for personal financial planning and investment decisions.
  • Understanding user technology acceptance is crucial for developing effective digital financial tools.
  • Lower-middle socio-economic groups may face unique challenges in adopting new technologies for financial management.

Purpose of the Study:

  • To identify key factors influencing technology acceptance of digital financial literacy applications among lower-middle socio-economic users.
  • To evaluate the suitability of digital platforms for enhancing financial literacy in this demographic.
  • To propose a model integrating established technology acceptance theories (UTAUT, TAM) with usability.

Main Methods:

  • A research model was developed based on the Unified Theory of Acceptance and Use of Technology (UTAUT), Technology Acceptance Model (TAM), and Usability principles.
  • Six constructs were examined: Performance Expectancy, Effort Expectancy, Social Influence, Resources and Cost, Satisfaction, and Behavior Intention.
  • Statistical analysis was performed using SmartPLS to test the study's hypotheses.

Main Results:

  • Lower-middle socio-economic users often lack the necessary technological proficiency to effectively utilize digital financial literacy applications.
  • The study found that digital platforms may not be the optimal tool for delivering financial literacy education to this specific user group.
  • Insufficient understanding of technology hinders the proper utilization of digital financial tools.

Conclusions:

  • Digital financial literacy applications are currently not the most effective method for educating lower-middle socio-economic users due to technology barriers.
  • Future interventions should consider alternative, more accessible methods for improving financial literacy in this demographic.
  • Further research is needed to explore user-centered design and alternative delivery mechanisms for financial education.