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The proliferation of technology has innovated new ways of saving and investing money: online savings and investment platforms [OSIPs]. Predicting the intention to adopt Fintech has triggered the interest of many researchers in academia and industries. The primary objective of this study was to examine factors influencing the intention to adopt OSIPs in Nigeria by using data gathered from 640 digitally active citizens from selected cities in Nigeria. Reliability and validity tests were conducted through construct reliability and discriminant validity, respectively, through WarpPLS. Data were computed with the Statistical Package for the Social Sciences (version) 24 and analyzed with structural equation modeling via WarpPLS. The findings of this study showed that performance expectancy, effort expectancy, and social influence significantly affect attitude while facilitating conditions predict intention to adopt. It was also found that attitude significantly influences the intention to adopt OSIPs. The paper also discusses the study’s research limitations and presents implications for theory and practice.

To obtain a comprehensive view of the apparel disposal behaviors of young U.S. consumers, this study evaluated antecedents of apparel disposal behaviors using a framework based on the theory of reasoned action (TRA), categorization theory, and prior literature. Data were obtained from a convenience sample of undergraduate students at a large U.S. Midwestern university through a self-administered online survey. A final sample of 358 usable surveys was analyzed through the use of structural equation modeling (SEM) with Amos. The results supported the proposed relationships between environmental apparel knowledge and attitude toward sustainable methods of apparel disposal. In addition, the proposed relationships between attitude and apparel disposal intention (intention to discard, donate, reuse, or resell) were all supported except for intention to resell. While the results showed a significant and positive relationship between subjective norms and intention to resell or donate apparel, no significant relationship was shown between subjective norms and intention to reuse or discard apparel. In addition, subjective norms were a positive and significant antecedent of attitude. Lastly, respondents’ intention to engage in a particular apparel disposal behavior corresponded with the actual apparel disposal behavior.