The Effect of Perceived Usefulness, Reliability, and COVID-19 Pandemic on Digital Banking Effectiveness: Analysis Using Technology Acceptance Model

This study examined the digital banking effectiveness of a bank. This study specifically explored the effect of perceived usefulness, banking system reliability, and COVID-19 pandemic on the digital banking effectiveness of a bank in Malaysia based on the technology acceptance model (TAM). Data collection was undertaken using a questionnaire survey involving 228 clients of the bank. The findings indicated that two of the chosen factors, namely, perceived usefulness and reliability of the banking system, significantly influenced digital banking effectiveness. On the other hand, the findings also showed that the COVID-19 pandemic did not influence digital banking effectiveness, per the bank clients' perspective. The study's findings provide insight into the future financial direction and addresses consumers' financial needs. In addition, the findings help develop an overview of the industry based on one of the prominent financial institutions in Malaysia.

Combination of black cumin seeds with Curcuma xanthorrhiza extract as an antioxidant and immune-modulator agent in the COVID-19 pandemic era

The COVID-19 pandemic demands changes in using of medicinal plants. Empirically, the medicinal plants of Curcuma xanthorrhiza (CX) and black cumin (BC) have been used massively in the era of the COVID-19 pandemic. Curcuma xanthorrhiza and black cumin (CXBC) preparations have been developed with the main ingredients of BC oil and CX extract. The purpose of the study was to determine the antioxidant and immune-modulatory activities of CXBC preparations active substances (polyphenols, flavonoids, thymoquinone). We conducted experimental laboratory research. The immunomodulatory activity test was carried out on human large lung cancer cell line (HTB-183 cells) by observing the expression of tumor necrosis factor alfa (TNF-α) and interleukine 10 (IL-10). The results showed that the CXBC preparation contained 4% thymoquinone, 25.87 mg/ml polyphenols, and 41.86 mg/dl flavonoids. CXBC preparations contain vitamins (A, C, and E) and minerals (potassium, calcium). The antioxidant activity of the CXBC preparation was included in the strong category with IC50=54.87 ppm. CXBC preparations increased TNF-a expression and decreased IL-10 expression in HTB-183 cells. Based on the study results, it can be concluded that the CXBC preparation contains 4% thymoquinone, 25.87 mg/ml polyphenol, 41.86 mg/dl flavonoid, and a high level of vitamin and minerals. CXBC preparations have potent antioxidant activity, increase TNF-α and decrease IL-10 expression. © 2022, Intelektual Pustaka Media Utama. All rights reserved.