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

Cognitive Theories: Lazarus Mediational Theory of Emotion01:17

Cognitive Theories: Lazarus Mediational Theory of Emotion

1.2K
Richard Lazarus' cognitive mediational theory highlights the pivotal role of cognitive appraisal in shaping emotional responses. According to this theory, the evaluation of a stimulus — based on personal values, goals, beliefs, and expectations — mediates the emotional response. This appraisal process is immediate and often occurs unconsciously, influencing the intensity and nature of the resulting emotion.
Cognitive Appraisal and Emotional Response
Lazarus proposed that...
1.2K
Lazarus's Cognitive Appraisal Theory01:20

Lazarus's Cognitive Appraisal Theory

506
Cognitive psychologist Richard Lazarus proposed the cognitive-mediational theory of emotions, which emphasizes how individuals' assessments of stressors significantly affect their experience of stress. According to Lazarus, the stress response is determined by a two-step appraisal process: primary appraisal and secondary appraisal. These cognitive appraisals help individuals evaluate the potential impact of a stressor and determine the adequacy of their coping resources.
Primary Appraisal:...
506
Actuarial Approach01:20

Actuarial Approach

132
The actuarial approach, a statistical method originally developed for life insurance risk assessment, is widely used to calculate survival rates in clinical and population studies. This method accounts for participants lost to follow-up or those who die from causes unrelated to the study, ensuring a more accurate representation of survival probabilities.
Consider the example of a high-risk surgical procedure with significant early-stage mortality. A two-year clinical study is conducted,...
132

You might also read

Related Articles

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

Sort by
Same author

Commuters' acceptance of autonomous taxis: A PLS-SEM case study on sustainable transportation in the Philippines.

Acta psychologica·2026
Same author

Corrigendum to "Determining factors affecting the perceived quality of fire safety signage icons: A structural equation modeling approach" [Acta Psychologica 255 (2025) 104896].

Acta psychologica·2026
Same author

Factors influencing behavioral intention to use adaptive learning systems: Integrating self-determination theory and the unified model of technology acceptance.

Acta psychologica·2026
Same author

Utility intention and acceptance evaluation of self-driving cars and its technology in the Philippines.

Acta psychologica·2025
Same author

Examining factors influencing the adoption of enterprise resource planning systems in secondary healthcare institutions.

Journal of health organization and management·2025
Same author

Assessing the impact of longer workweeks on macroergonomics variables, work-life integration, employee satisfaction, and productivity among Filipino employees.

Acta psychologica·2025

Related Experiment Video

Updated: Sep 9, 2025

Author Spotlight: Addressing Technical and Subjective Challenges in Measuring Classroom Attention
06:37

Author Spotlight: Addressing Technical and Subjective Challenges in Measuring Classroom Attention

Published on: December 15, 2023

4.1K

E-money applications tuition fee loan behavioral analysis using valence framework and technology acceptance analysis.

Dhonn Q Tomas1, Christian Gerard E Eleria1, Ruth Catherine R Oquialda1

  • 1E.T. Yuchengo School of Business, Mapúa University, 1191 Pablo Ocampo Sr. Ext., Makati, Metro Manila 1204, Philippines.

Acta Psychologica
|September 2, 2025
PubMed
Summary

Adoption of e-money for tuition loans in the Philippines is limited by tech issues and low financial literacy. Performance expectancy, facilitating conditions, and perceived benefits are key drivers for adoption, while perceived risk is not significant.

Keywords:
Digital financeMobile bankingTuition fee loansUTAUT3Valence framework

More Related Videos

Eye-tracking Technology and Data-mining Techniques used for a Behavioral Analysis of Adults engaged in Learning Processes
10:43

Eye-tracking Technology and Data-mining Techniques used for a Behavioral Analysis of Adults engaged in Learning Processes

Published on: June 10, 2021

5.5K
Project-Based Learning Guidelines for Health Sciences Students: An Analysis with Data Mining and Qualitative Techniques
13:44

Project-Based Learning Guidelines for Health Sciences Students: An Analysis with Data Mining and Qualitative Techniques

Published on: December 9, 2022

3.7K

Related Experiment Videos

Last Updated: Sep 9, 2025

Author Spotlight: Addressing Technical and Subjective Challenges in Measuring Classroom Attention
06:37

Author Spotlight: Addressing Technical and Subjective Challenges in Measuring Classroom Attention

Published on: December 15, 2023

4.1K
Eye-tracking Technology and Data-mining Techniques used for a Behavioral Analysis of Adults engaged in Learning Processes
10:43

Eye-tracking Technology and Data-mining Techniques used for a Behavioral Analysis of Adults engaged in Learning Processes

Published on: June 10, 2021

5.5K
Project-Based Learning Guidelines for Health Sciences Students: An Analysis with Data Mining and Qualitative Techniques
13:44

Project-Based Learning Guidelines for Health Sciences Students: An Analysis with Data Mining and Qualitative Techniques

Published on: December 9, 2022

3.7K

Area of Science:

  • Digital Finance
  • Educational Technology Adoption
  • Behavioral Economics

Background:

  • E-money adoption for educational loans is limited in developing countries like the Philippines.
  • Technological and infrastructural constraints, including internet access and financial literacy, hinder adoption.
  • Unlike developed nations, the Philippines lacks robust institutional support for student loans.

Purpose of the Study:

  • To investigate the behavioral intention to use e-money applications for tuition fee loans in the Philippines.
  • To integrate the Unified Theory of Acceptance and Use of Technology 3 (UTAUT3) with the Valence Framework.
  • To identify key factors influencing the adoption of e-money for higher education financing.

Main Methods:

  • A survey of 505 participants in the Philippines was conducted.
  • Partial Least Squares Structural Equation Modeling (PLS-SEM) was used for data analysis.
  • The study utilized a 48-item questionnaire integrating UTAUT3 and the Valence Framework.

Main Results:

  • UTAUT3 constructs significantly influenced behavioral intention, with performance expectancy being the strongest predictor.
  • Facilitating conditions, habit, hedonic motivation, personal innovativeness, social influence, and effort expectancy also impacted adoption.
  • Perceived benefits positively influenced adoption, whereas perceived risk showed no significant effect.

Conclusions:

  • Performance expectancy and facilitating conditions are crucial for promoting e-money adoption for tuition loans.
  • Perceived benefits drive adoption, highlighting the need to emphasize value propositions.
  • Findings inform policymakers and developers on strategies for inclusive, technology-driven higher education financing in the Philippines.