Perceived transaction cost and its antecedents associated with fintech users' intention: Evidence from Pakistan.

Researches depict a considerable degree of acknowledgment of financial technology improvement in Pakistan. However, the costs blocking clients' intention to utilize financial technology remain dubious. Building upon Transaction Cost Economics and Innovation diffusion theory, this paper hypothesizes that consumers' transaction cost of fintech is affected by nine antecedents: perceived asset specificity, complexity, product uncertainty, behavioral uncertainty, transaction frequency, dependability, limitations, convenience, and economic utility. Transaction cost has a negative relationship with consumers' intentions to use fintech for online buying or availing services. We tested the model using data gathered from the individuals. The results show that factors that are positively related to consumers' perceived transaction cost, among them product uncertainty (ß = 0.231) is the greatest of factors, followed by behavior uncertainty (ß = 0.209) and asset specificity (ß = 0.17), those that are negatively associated are dependability (ß = 0.11), and convenience (ß = 0.224). The study is limited in scope, focusing primarily on cost factors. Future research may analyze additional cost-related elements and the actual use of financial technology by using samples from different countries.

Emergency engineering reconstruction mode based on the perspective of professional donations.

Introduction: In the construction of emergency engineering, the effective participation of organizations such as government and construction enterprises can improve engineering emergency services to emergency adaptive, which faces the challenge of the enthusiasm of enterprises' emergency participation. This study proposed a new diversified social governance mode for public emergency facility construction. Methods: This paper empirically analyzes the performance of stock market returns before and after construction enterprises' participation in emergency engineering. Results: Against the backdrop of COVID-19, the analysis based on the sample data of 141 listed companies found that both construction enterprises directly involved in emergency hospital construction and non-state-owned enterprises involved in donations have higher excess return rates. In contrast, social concern has a positive mediating effect between emergency donations and stock market returns. The study suggests that stock market returns from donation behavior and reputation capital become incentives for firms to actively participate in emergency donations, providing a behavioral basis for professional donations by construction firms. Discussion: Based on the above assumptions, this paper proposes the organizational model of emergency engineering construction and the "Engineering Community" relationship based on the "Engineering Multi-governance" theory. This paper is the first to study the emergency engineering construction model from the perspective of professional donation behavior.

Preferring self-management behavior of patients with chronic kidney disease.

This study explores the preferred behavior of self-management among chronic kidney disease (CKD) patients and offers suggestions for different patients from personalized medicine. According to some related references, a questionnaire was designed in 2020 to collect data from 131 patients with CKD in a general hospital. The Sampling patients showed no difference in their disease progress. The questionnaire covered two aspects of demographic and behavior with 29 items on six dimensions. Statistical methods such as a descriptive analysis of the F test in behavior dimensions on demographic characteristics and Principal component analysis from items have been applied to classify some kinds of self-management behavior into different groups. In the demographic insight, employment status closely relates to self-management behavior, and income is insignificant. In the behavior aspects, according to some key items, we found four types of self-management behavior preferred in the sorting: cognitive-knowledge, Diet-exercise-medical, emotion management, and exercise-medical, which were defined by behavior dimensions. Although patients had the same disease progress, their self-management behavior mainly existed in four types based on critical factors. According to their favorite behavior and personality group, healthcare stakeholders can offer lean support for improving patients' self-management of CKD in China.