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This paper aims to present a preliminary experimental result on a large-scale experiment on a cyber-physical hybrid discussion support environment in a panel discussion session in an international conference.

In this paper, the authors propose a hybrid (cyber-physical) environment in which people can discuss online and also offline simultaneously. The authors conducted a large-scale experiment in a panel discussion session in an international conference where participants can discuss by using their online discussion support system and by physical communications as usual.

The authors analyzed the obtained date from the following three viewpoints: participants’ cyber-physical attention, keywords cyber-physical linkage and cyber-physical discussion flow. These three viewpoints indicate that the methodology of the authors can be effective to support hybrid large-scale discussions.

Online large-scale discussion has been focused as a new methodology that enable people to discuss, argue and make consensus in terms of political issues, social complex problems (like climate change), city planning and so on. In several cases, the authors found that online discussions are very effective to gather people opinions and discussions so far. Moreover, this paper proposes a hybrid (cyber-physical) environment in which people can discuss online and also offline simultaneously.

The purpose of this paper is to evaluate the performance of Microfinance Institutions (MFIs) offering FinTech services. This study contributes to the existing literature on microfinance digitalization, financial inclusion and sustainable development. The study also takes into consideration a behavioral perspective through the efficiency evaluation process of MFIs offering FinTech services.

The following study employs the Stochastic Frontier Analysis approach to estimate the operational and social efficiency scores of the 387 MFIs over the period 2005–2019. Then, it tries to consider factors influencing MFIs' efficiency and assess their effects. Hence, two separate models for operation and social efficiency introducing a set of factors, including FinTech proxies and overconfidence proxies, are tested. The first model for operational efficiency uses a random-effects estimator while the second one for social efficiency uses a fixed-effects estimator.

The results show that innovative MFIs have weaker averages of operational efficiency than non-innovative ones but higher averages of social efficiency. This was justified by the fact that innovative MFIs are more socially oriented. Further, findings of this study depict that the proxies of FinTech affect negatively the level of operational efficiency of MFIs. They also depict a negative relationship between FinTech proxies and the level of social efficiency. These results hold through robustness tests.

The highlight of this study is that it takes heed of the indirect effect of technological innovation on the efficiency of MFIs. It has been proved that it moderates the impact of managerial overconfidence (manifested by excessive risk-taking, viz., high levels of PAR30, LGR and NIM) on the level of both operational and social efficiencies.

本文旨在對提供金融科技服務的微型金融機構的表現作出評價。我們的研究, 就現有之學術文獻而言, 在以下課題之探討上作出了貢獻: 微型金融的數字化、普惠金融、以及可持續發展。本研究亦以行為主義觀點, 對微型金融機構提供之金融科技服務的效率作出評價。

本研究使用隨機邊界分析法的理念, 去估計有關的387間微型金融機構於2005年至2019年期間、經營方面和社會方面的效率分數; 繼而嘗試找出影響微型金融機構效率的因素, 並評估這些因素的影響。為此目的, 研究人員分別測試兩個模型, 一個是探究運作方面的效率, 另一個則探究社會方面的效率。兩個模型內均放入一系列的因素, 其中包括金融科技代理和過度自信代理。探究運作方面的效率的模型使用了隨機效果估算器, 而探究社會方面的效率的模型則使用了固定效果估算器。

研究結果顯示、具創新精神的微型金融機構, 在運作方面的效率的平均值上,較沒具創新精神的為弱, 而社會方面的效率的平均值卻較高。這個結果是合理的, 因為具創新精神的微型金融機構會更著眼於社會。另外, 研究結果描繪了一個現象, 就是: 金融科技代理會對微型金融機構的運作效率水平產生負面影響; 我們也看到、金融科技代理與社會方面的效率水平之間的關聯是負面的; 這些研究結果、均通過穩健性檢驗。

本研究最突出之處為研究人員關注科技之創新會間接影響微型金融機構的效率。研究人員證明了於微型金融機構整合金融科技服務是會緩和管理上的過度自信給運作和社會兩方面的效率水平帶來的影響 (管理上的過度自信、顯露於過度的風險承擔, 即是, PAR30(貸款組合風險-30日)、LGR(貸款增長率) 和NIM(淨息差) 處於高水平)。

Discussions about digital tourism continue to increase among scholars as Information Communication and Technology (ICT) infrastructure develops. Dynamic changes due to technological aspects have given rise to various developments in the tourism industry. Therefore, this study aims to evaluate the scientific structure of the development of digital tourism topics through a bibliometric analysis approach. In total, 102 publications from research on digital tourism were taken from Scopus database between 2001 and 2021, for further bibliometric analysis using the VOSviewer application. Interesting findings describe the most cited digital tourism publications, the contribution of digital tourism by various authors, institutions, countries, co-citation analysis, bibliographic coupling, and co-occurrence for the main trends of digital tourism. This study compiles a detailed review of digital tourism research. This article adds substantial value to the digital tourism topic by analyzing bibliometric data. It provided scientific information regarding digital tourism for other researchers and future research.

This paper describes the architecture of using the Mobile Agent and ACID (Atomicity, Consistency, Isolation and Durability) in Mobile e-Learning (mLearning). In the coming years, there will be an incremental amount of mobile learning experiments for the purpose of implementing mobile ICTs into mainstream education. In this article, the Replication Agent and Snapshot Agent architecture is proposed as an effective way to overcome the problem of heavy loading on the limited bandwidth used in wireless transmission for mobile learning environment merge replication process. The implementation of mobile agents as middleware for mLearning environment is to provide database replication between learners and off-site database e.g., Knowledge Management Centre's (KMC) databases using handheld devices. The approach using the combination of both these agents plays an important role in wireless transmission. It provides an intelligent solution to the limitation of the wireless bandwidth by lowering the bandwidth taken up during the bursts of mobile transactions. In this proposed technique, a mLearning database is determined as a Snapshot publisher where a compact edition of files and information is generated at the snapshot location which resides on the central database server. Learners may retrieve quick bursts of information through mobile applications wirelessly. The Replication Agent offers the flexibility to move from one site (user) to another (central database) for essential data synchronization. In order to provide learners with appropriate courses, a prototype on mLearning platform supporting three-layered structure and device adapting was put forward. The architecture of the platform discussed in this study as the mobile agent approach would facilitate more widespread use of mLearning, including in courses discussions between learners and academicians.