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研究生:Rizqa Anita
研究生(外文):Rizqa Anita
論文名稱:金融科技專業人士倫理責任量表之發展
論文名稱(外文):Developing an Ethical Responsibility Scale for the Financial Technology Professionals
指導教授:吳為聖吳為聖引用關係
指導教授(外文):WU, WEI-SHEN
口試委員:吳為聖林清同陳玉芬楊聲勇許晉龍
口試委員(外文):WU, WEI-SHENLIN, CHING-TORNGCHEN,YU-FENYANG, SHENG-YUNGHSU, CHIN-LUNG
口試日期:2022-01-26
學位類別:博士
校院名稱:大葉大學
系所名稱:管理學院博士班
學門:商業及管理學門
學類:其他商業及管理學類
論文種類:學術論文
論文出版年:2022
畢業學年度:110
語文別:英文
論文頁數:132
中文關鍵詞:金融科技倫理責任量表發展
外文關鍵詞:Financial TechnologyEthical ResponsibilityScale Development
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倫理責任是企業決策過程中的基本概念之一,對利害關係人有
著深遠的影響,尤其對金融科技的良性發展至關重要。作為個人的
關鍵能力或企業道德行為的價值觀與原則,倫理責任內涵尚未獲得
證實。財務金融與資訊系統等領域有幾種衡量專業倫理的方法,但
是這些衡量方法對評估金融科技從業人員的倫理責任方面仍有局
限性。本研究目的在開發金融科技專業人士倫理責任的衡量工具。
以道德理論與責任概念為基礎,參考財務金融與資訊系統相關專業
倫理指標,系統性建構一個衡量金融科技從業人員的倫理責任量表
初稿。採問卷方式收集480 名印度尼西亞金融科技業人員的意見。
使用二階方法分析資料,包括探索性因素分析(EFA)和驗證性因
素分析(CFA),驗證此倫理責任量表的結構。結果顯示金融科技
人員的倫理責任屬多維構念,測量模型含有6 個向度,效度與信度
俱佳。本研究將此衡量工具命名為金融科技倫理責任量表(Scale of
Ethical Responsibility),並討論應用此量表評估金融科技業人員道
德責任的可能性及未來發展。
Ethical responsibility is one of the essential concepts during the corporate’s
decision-making process, it has a deep impact on its stakeholders. It is crucial to the
virtuous development of financial technology (fintech). The nature of ethical
responsibility as an individual’s critical ability or the basic values and principles for
corporate ethical actions has not been confirmed. There are several instruments for
measuring ethical actions in finance and information systems domains, however, the
majority of them have limitations to assess the ethical responsibility for the fintech
professionals. The purpose of this study is to develop an instrument for measuring
fintech professionals’ ethical responsibility. Based on an ethical responsibility
conceptual framework, a set of ethical responsibility measurements has been
developed through a systematic process. With a questionnaire, data were collected
from 480 fintech professionals working in Indonesia. A two-tier approach was used to
validate the ethical responsibility measurements, including exploratory factor analysis
(EFA) and confirmatory factor analysis (CFA). The results of data analysis showed a
structure of six dimensions for fintech ethical responsibility. The multi-dimensional
instrument was constructed and validated, namely the Scale of Ethical Responsibility
(SER), as an effective instrument to assess fintech professionals’ ethical responsibility.
Finally, the applications of SER and its future development in the fintech sector are
discussed.
封面內頁
簽名頁
中文摘要................................. iii
ABSTRACT ................................ iv
DEDICATION ............................... v
ACKNOWLEDGEMENT ......................... vi
TABLE OF CONTENTS ....................... viii
LIST OF TABLES ........................... xii
LIST OF FIGURES .......................... xiv
LIST OF ABBREVIATIONS ..................... xv
CHAPTER 1. INTRODUCTION .................... 1
1.1 Background ............................. 1
1.2 Research Motivation .................... 4
1.3 Research Purpose ....................... 6
CHAPTER 2. LITERATURE REVIEW ............... 8
2.1 Emergence of Fintech ................... 8
2.2 Ethical Foundation ..................... 11
2.2.1 Ethics ............................... 11
2.2.2 Ethical Responsibility ............... 11
2.2.3 A Brief Review of Ethical Theory .......13
2.3 Instruments Related to Ethical Responsibility ................. 16
2.3.1 Perceived Role of Ethics and Social Responsibility(PRESOR) .. 18
2.3.2 The PAPA Framework .......................................... 21
2.3.3 The Multidimensional Ethics Scale (MES) ..................... 22
2.3.4 Summary of the Existing Instruments ......................... 23
2.4 The Conceptual Framework for Ethical Responsibilityin Fintech .. 25
CHAPTER 3. RESEARCH METHOD .......................................... 27
3.1 Phases of Instrument Development ................................. 27
3.2 Instrumentation .................................................. 28
3.2.1 Conceptualization of Ethical Responsibility inFintech Industry .. 28
3.2.2 Structure and Dimensionality of Ethical Responsibility ........29
3.2.3 Measurements ................................................. 34
3.3 A Field Survey.................................................. 37
3.3.1 Questionnaire Design ......................................... 37
3.3.2 Subjects ..................................................... 38
3.3.3 Pilot Study .................................................. 38
3.3.4 Data Collection .............................................. 39
3.4 Data analysis .................................................. 41
3.4.1 Purification of Measurements ................................. 41
3.4.2 Validation of Measurements ................................... 42
CHAPTER 4. RESULT .................................................. 43
4.1 Demographics Respondent ........................................ 43
4.2 Descriptive Statistics of Scale................................. 46
4.2.1 Role of Responsible .......................................... 47
4.2.2 Long-term Gains .............................................. 49
4.2.3 Financial Egoism ............................................. 51
4.2.4 Accurate Information and Accessibility ....................... 53
4.2.5 Moral Principle .............................................. 55
4.2.6 System Quality ............................................... 58
4.3 Purification of Measurements ................................... 60
4.3.1 Bartlett's Test of Sphericity ................................ 60
4.3.2 Common Method Variance ....................................... 60
4.3.3 Exploratory Factor Analysis and Reliability Test ............. 61
4.4 Validation of Measurements ..................................... 65
4.4.1 Model Fit Evaluation ......................................... 65
4.4.2 Convergent Validity .......................................... 66
4.4.3 Discriminant Validity ........................................ 72
CHAPTER 5. DISCUSSION AND CONCLUSION ............................... 75
5.1 Discussion ..................................................... 75
5.1.1 Theoretical Implication ...................................... 76
5.1.2 Practical Implication ........................................ 79
5.1.3 Limitations and Suggestions for Future Study ................. 80
5.2 Conclusion ..................................................... 82
REFERENCES ......................................................... 84
APPENDIX 1. Summary of Existing Tools for Measuring Ethical Responsibility...................................................... 96
APPENDIX 2. Summary of Items before Final Survey .................. 101
APPENDIX 3. Questionnaires ........................................ 102
APPENDIX 4. Curriculum Vitae ...................................... 111
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