Digitalization in banking sector: the role of intrinsic motivation

Can digitalization and low-carbonization progress in harmony? Evidence from Chinese cities

Achieving high-quality development of the city requires actively promoting coordinated digitalization and low-carbon development. Previous studies have focused on the unidirectional impact of urban digitalization on low-carbonization and there is a lack of research on their interactions. This study uses the generalized spatial three-stage least squares method and the spatial simultaneous equation to investigate the endogenous interactions between urban digitalization and low-carbonization. The properties of the spatiotemporal evolution are then examined using linked coordination degree models, kernel density, and spatial statistical approaches. Finally, using the spatial panel metering model, this study empirically investigates the motivations behind the synergistic advancement of digitalization and low-carbonization. The results show that: (1) There is an endogenous interaction between urban digitalization and low-carbonization and that this interaction pattern is closely linked to geographical proximity. (2) In general, both urban digitalization and low-carbonization have a positive spatial impact and a negative spatial interaction, and their coordination levels have a significant spatial impact. (3) Throughout the research period, the coordination degree of urban digitalization and low carbonization continued to increase, showing a positive spatial correlation and a balanced development trend. (4) Economic development, industrial structure, and human capital accumulation are vital internal drivers of the synergistic advancement of urban digitalization and low carbonization. Government capacities and technological innovations are key external factors that contribute to the synergistic advancement of urban digitalization and low-carbonization. Overall, the paper is essential not only to deepen understanding of the relationship between urban digitalization and low-carbonization but also to formulate policies for their coordinated development.

Does artificial intelligence (AI) boost digital banking user satisfaction? Integration of expectation confirmation model and antecedents of artificial intelligence enabled digital banking

In the era disruptive technology the emergence of artificial intelligence has fundamentally improved banking operations. The execution of artificial intelligence is no longer discretionary for financial institutions and now it is considered an essential tool to meet customer expectations. Although artificial intelligence enabled digital banking is faster efficient and effective however user acceptance of digital banking driven by artificial intelligence is in its initial stages. Therefore, current study develops and integrated research framework with expectation confirmation model and examines digital banking user satisfaction and acceptance of AI enabled digital banking. Data were collected from digital banking user through structured questionnaire. Overall, 320 respondents were approached and requested to participate in digital banking survey. In return 251 valid responses were received and analyzed with structural equation modeling. Findings of the structural model indicate that satisfaction is jointly determined by expectation confirmation, perceived performance, trendiness, visual attractiveness, problem solving, customization, communication quality and revealed substantial variance R^2 51.1% in digital banking user satisfaction. Therefore, satisfaction and corporate reputation have shown considerable variance R^2 48.3 in user acceptance of AI enabled digital banking. Moreover, the research framework has revealed substantial predictive power Q^2 0.449 to predict digital banking user satisfaction and Q^2 0.493 user acceptance of artificial intelligence enabled digital banking. Concerning with hypotheses relationships exogenous factors have shown positive and significant impact user satisfaction except trendiness and customization. Practically, this research has suggested that policy makers should pay attention in improving user expectation confirmation, perceived performance, visual attractiveness, communication quality and corporate reputation which in turn enhance satisfaction and boost digital banking user's confidence to accept artificial intelligence enabled digital banking. This study is original as it integrates expectation confirmation model with the antecedents of artificial intelligence and examines user behavior towards acceptance of artificial intelligence enabled digital banking.

Advancing the Understanding of the Role of Responsible AI in the Continued Use of IoMT in Healthcare

This paper examines the continuous intention by healthcare professionals to use the Internet of Medical Things (IoMT) in combination with responsible artificial intelligence (AI). Using the theory of Diffusion of Innovation (DOI), a model was developed to determine the continuous intention to use IoMT taking into account the risks and complexity involved in using AI. Data was gathered from 276 healthcare professionals through a survey questionnaire across hospitals in Bahrain. Empirical outcomes reveal nine significant relationships amongst the constructs. The findings show that despite contradictions associated with AI, continuous intention to use behaviour can be predicted during the diffusion of IoMT. This study advances the understanding of the role of responsible AI in the continued use of IoMT in healthcare and extends DOI to address the diffusion of two innovations concurrently.