数字普惠金融与小微企业出口:雪中送炭还是锦上添花

本文将数字普惠金融与小微企业出口相结合,为深入探讨数字金融的普惠意义提供了新视角。我们基于数字普惠金融指数和中国小微企业调查数据,构建一个广义双重差分回归模型进行经验分析,经过一系列内生性处理后,回归结果稳健地显示数字普惠金融发展可显著促进小微企业出口。机制分析结果表明,数字普惠金融会促进生产率更低的企业出口,并改善小微企业的营运资本使用效率。此外,数字普惠金融覆盖广度比使用深度和数字化程度对小微企业出口的影响更大。高资金负担、弱政企关系以及西部地区的小微企业受益更大,这是雪中送炭的表现;而在金融软环境更好的地区小微企业受益更多,则是锦上添花的表现。     

深圳创新文化系统初探——从历史性形成角度的一个考察

创新文化是指促使可支配资源和力量得以进行重新组合的理想、价值观和信念。深圳创新文化系统由"冒险、宽容、开放、实干、学习、创新、自强、自主"八个部分构成,是历时演进的共时体现,原因在于深圳的可支配资源和力量的组合在不同的历史发展阶段中需要解决的问题不同,导致了替代性演变中的连续性继承。     

Assessing customer passion,commitment, and word-of-mouth intentions in digital assistant usage: The moderating role of technology anxiety

Consumers develop a passion for the use of innovations, which is a critical determinant of their success. Research has largely examined drivers of initial acceptance of digital assistants (DAs) and has yet to fully understand the factors driving or deterring consumers’ passion towards DAs and the behavioural outcomes. Drawing on the stimulus-organism-response framework, this study examines a unique set of factors (usefulness, ease of use, privacy concern, and localisation) that act as stimuli to drive an organismic state of passion for DAs, and how this produces behavioural responses of word-of-mouth (WOM) intention and commitment to DA use. The study also examines how technology anxiety moderates passion’s impact on WOM intentions and commitment. The findings show that usefulness, ease of use, privacy concern, and localisation are significant explanatory variables of consumers’ passion towards DAs. Furthermore, passion towards DAs results in WOM intentions and commitment to its use. The findings further show that passion’s effect on DAs in explaining WOM intentions and commitment is weakened by technology anxiety. Lastly, passion is the mediating mechanism through which usefulness, ease of use, privacy concern, and localisation impact WOM intentions and commitment. The implications of these findings for theory and practice are highlighted.     

The new wave of AI-powered luxury brands online shopping experience: The role of digital multisensory cues and customers’ engagement

Academic literature retains a dearth of empirical evidence of the cutting-edge aspect of artificial intelligence (AI)-powered digital assistance and digital multisensory cues, despite the prospect of these factors on real-life customers' luxury brand online shopping experience. Thus, the aim of this study is to examine the significant pathway and effects of AI-powered digital assistance toward customers’ luxury brand online shopping experience. Drawing on S–O-R (Stimulus, organism, and response) and TRAM (Technology Readiness and Acceptance Model) paradigm, a multi-method research design was deployed to investigate constructs. Firstly, semi-structured interviews were utilized to explore customers' online behavior under the luxury brands and information technology aspect. Secondly, survey data were collected and analyzed by using partial least squares structural equation modeling (PLS-SEM) and fuzzy-set qualitative comparative analysis (fsQCA). The PLS-based analysis of quantitative data confirmed the exploratory insights of qualitative findings, establishing the connections of AI-powered digital assistance, customer engagement, and customers' luxury brand online shopping experience. Research findings also suggest that customer engagement plays a mediation role in the relationship between AI-powered digital assistance and customers' luxury brand online shopping experience. Besides, digital multisensory cues moderate the relationship between AI-powered digital assistance and customer engagement. Further, fsQCA complements the findings of PLS-SEM that reveal the significant combination of factors that lead to the perceptions of customers' luxury brand online shopping experience.     

Website quality and users' intention to use digital libraries: Examining users’ attitudes,online co-creation experiences,and eWOM

This research aims to examine how the website quality affects the intention of digital library users to use the website by considering factors of user's attitudes, online co-creation experiences, and electronic word-of-mouth. The statistical population of the research is composed of the users of Astan Qods Razavi digital library, which is one of the oldest digital libraries in Iran. Data was collected from 402 participants who use the library and analyzed in SPSS and PLS softwares. Construct validity was assessed and confirmed using convergent validity and divergent validity. Data reliability was assessed and confirmed using Cronbach's alpha and composite reliability. The research confirms that website quality affects the attitudes of users towards the website and their intention to participate in online co-creation and eWOM. The effects of user's attitudes to the online co-creation experience, eWOM, and intention to use the library, as well as the effects of the online co-creation experience and eWOM on the intention to use the digital library were also confirmed. Considering the results of the research, it is recommended to digital libraries to provide an efficient user-friendly website designed to increase user participation and establish close contact with them and in this way increase their intention to use digital library services.     

The formation of habit and word-of-mouth intention of over-the-top platforms

The current study examines how video content on over-the-top (OTT) platforms and the enjoyment from watching them form habits and word-of-mouth (WOM) intentions. We propose a research model that integrates elements from the Self-Determination Theory (SDT) and the concept of “habit loop” from the Interest-Driven Creator (IDC) theory. The model was analyzed using PLS-SEM on 302 responses from OTT users. The study elucidates how video content availability helps in habit formation indirectly through perceived enjoyment. The results also demonstrated that the WOM of OTT platforms is explained by perceived enjoyment, affective commitment, and the habit of using the OTT platforms. The study highlights that habit is a significant predictor of affective commitment and WOM intention of hedonic apps. This is the first study to illustrate how video content availability affects users’ enjoyment, habitual use, and WOM intentions. Habit as a significant predictor of affective commitment and WOM intention of hedonic apps, like OTT platforms, is unprecedented.     

Data-driven business and data privacy: Challenges and measures for product-based companies

To leverage the opportunities provided by the Internet of Things (IoT), product-based companies are exploring new data-driven business opportunities. They may miss these same opportunities, however, owing to data-privacy challenges. These challenges start with the customers of product-based companies, extend to the wider business ecosystem, and continue with the companies themselves. This article identifies 12 data-privacy challenges and introduces 12 measures to address them. These include intuitive recommendations, such as enabling cross-product consent collection, as well as less intuitive measures, such as fostering a can-do attitude in legal units, closing the gap between legal and business initiatives, or implementing a clear process for well-reasoned risk-taking. The following four principles were found to support companies in implementing these measures: (1) letting privacy and data-driven business go hand in hand, (2) putting customers first and turning their privacy preferences into opportunities, (3) aligning risk-management activities with the process of digital service development, and (4) using technology to professionalize legal processes.     

Socio-technical challenges in the development of digital multimedia broadcasting: A survey of Korean mobile television development

This paper examines the prospectus of Digital Multimedia Broadcasting from the technical, economic and regulatory issues. This paper attempts to gain a better understanding of how DMB will evolve and stabilize in next generation network environments. Two research questions guide this study: (1) How does DMB trigger a change in policy, market and industry structure? (2) What are the driving forces of the rapid DMB development in Korea? As these questions involve socio-technical issues, this study uses a socio-technical perspective to investigate the complex relations between the social and technical aspects of DMB by highlighting the co-evolving nature, diversity, and interface between different driving forces and policy. The finding is that Korean DMB is the outcome of a proactive strategy of a telecom carrier and the Korean government's industrial policy to support such strategy. Among the push-oriented trajectory, however, non-technical issues such as users, market and regulation are left behind, which reveals the disjunction of the DMB development in terms of the socio-technical system perspective. The development of DMB sheds light on the growing challenges in the dynamics of industry, regulation, and technology.     

Travel writers and the nature of self: Essentialism,transformation and (online) construction

A lacuna of academic research exists that explores contemporary travel writers’ lived experience, particularly how they perceive their s​ense of self through their work as a forum for self-discovery and self-transformation. Using the essentialist self and socially constructed selves as theoretical frameworks, this research extends the concept of multiple selves to these writers and new forms of online media. Qualitative interviews were conducted with 47 travel writers and data were analysed using an Interpretive Phenomenological Analysis. Findings suggest that many travel writers (co)construct an online self and use their writing to transform themselves. The cathartic process of writing, interaction with their readership and the importance of establishing a social identity online emerged as influences on the nature of self.     

公文流转中文件安全传输的技术实现

为进一步提高办公效率,实现中央银行与银行业金融机构之间公文高效、安全传递,本文简要介绍了金融机构间公文传输中所涉及的安全技术：PKI（公钥设施基础）基本概念、基本组成、基本运行模式以及RSA算法,并设计了金融专网间公文安全的传输技术方案。