Carrie Siu Man Lui

How old are you really? Cognitive age in technology acceptance

With increasing trends toward global aging and accompanying tendencies of (older) individuals to feel younger than they actually are, an important research question to ask is whether factors influencing IT acceptance are the same across individuals who perceive themselves to be as old as they actually are (i.e., cognitive age=chronological age) and those that perceive themselves to be younger than they actually are (i.e., cognitive age

Lowering the interest burden for microfinance

MFIs have a high interest rate burden due to the small amount per transaction of microcredit and inevitably high operating cost per transaction. To ensure financial viability and to expand the depth and breadth of their operations, MFIs have to adopt cost recovery interest rates on microcredit, hence, MFIs have to charge interest rate high enough, usually substantially higher than the bank loan risk free interest rate. The major factors determining the interest rate on microcredit are the cost of funds, operating costs, loan loss cost and capital for business expansion. To illustrate the impacts of the above factors on interest rate, we present a summary of the current cost structures of microfinance institutes (MFIs) in three Southeast Asia countries, Cambodia, Vietnam and Indonesia. Then, we review existing studies and propose new uses of mobile technologies and financial market innovations for lowering the interest burden.

Teaching “soft skills” to university students in China: the feasibility of an Australian approach

Abstract Globally, universities are increasingly seeking to equip their graduates with specific “soft” skills to complement traditional “hard” skills so they can function in a rapidly changing and dynamic world. While hard skills are relatively straightforward to define and foster the same cannot be said for soft skills, despite the latter being increasingly acknowledged as equally, if not more, important. This paper assesses the feasibility of an Australian wellbeing course in the context of explicit soft skills training at one Chinese university in a pilot with 29 second-year students. Using an exploratory mixed-methods design, quantitative impact measures were collected before and after the intervention to complement qualitative workshop evaluations. Results clearly show that participants found both the content of the training as well as the participatory social learning approach relevant and acceptable. The training had a statistically significant positive impact on the assessed human qualities soft skills outcomes. Implications of the findings for the current interest in training Chinese university students in the spirit of innovation and enterprise are highlighted.

A Survey of Research in Real-Money Trading RMT in Virtual World

This paper presents a set of data relating to the investigation of RMT in the virtual world VW and social capital associated with RMT platforms. The investigation is carried out using five main research databases: Science Direct; Emerald Insight; Springer Link; Proquest Database; and IEEE Xplore; with a total of 161 research papers. The objective of this survey study is to highlight areas of strength and weakness in current RMT research in VW and its social capital. This study also presents the basic RMT classification based on these previous studies.