The rise of internet-based pharmacies has transformed the healthcare sector, giving patients access to medications, information, and direct interaction with pharmacists. While online pharmacies have become popular around the world, there are challenges hindering their widespread use in developing countries due to a limited understanding of the factors affecting their acceptance and usage. To bridge this knowledge gap, a study utilized a model combining the unified theory of acceptance and use of technology (UTAUT 2) with the technology acceptance model (TAM) to explore the drivers behind online pharmacy usage in Oman. Through this framework, twelve hypotheses were. A survey involving 378 individuals familiar with online pharmacies was conducted. Structural equation modeling (SEM) was applied to analyze the data and test these hypotheses. The results indicate that factors such as perceived expectancy effort expectancy and facilitating conditions hedonic motivation, habit perceived risk, technology trust, and technology awareness play roles in influencing the adoption of online pharmacies in Oman. The findings suggest that personal innovation plays a moderating role in the connection between perceived risk and behavioral intention, while it has a negative moderating influence on the relationship between technology trust and behavioral intention. Word of mouth was identified as a moderator in enhancing the correlation between behavioral intention and online pharmacy adoption. This research emphasizes the moderating relationship of personal innovation and word of mouth on shaping consumer attitudes towards online pharmacies and their acceptance. In summary, these results add to the existing knowledge on pharmacy adoption and in developed areas such as provide practical insights for online pharmacy providers to improve their offerings and attract a larger customer base.

This study aims to determine the effect of Human Capital Management (HCM) and work ethics on the performance of life insurance agents mediated by Organizational Citizenship Behavior-Organization (OCB-O) and Organizational Citizenship Behavior-Individual (OCB-I). The data was collected from 103 respondents who had entered the category of having won the Top Agent Awards (TAA) using a survey approach with questionnaires. The population consisted of life insurance agents who had won the TAA/MDRT, a 5 Likert scale questionnaire, and analyses using the SEM-AMOS-21 program. The results prove HCM has a positive significant effect on work ethics; HCM does not have a substantial impact on OCB-O and OCB-I; Work Ethics have a considerable effect on OCB-I and OCB-O; OCB-O and OCB-I have no significant impact on performance; HCM does not have a substantial effect on performance; Work Ethics does not have a considerable impact on performance, however, if OCB-I mediates HCM it will strengthening agent Performance, likewise, Work Ethics if mediated by OCB-I, will strengthening Performance. The findings of this study are that for insurance agents to perform well, companies can treat agents as HCM and work ethics, and it is essential to pay attention to OCB-I as mediation in improving agent performance.

This study examines the influence of internal and external locus of control as mediators of financial literacy, financial attitudes, financial beliefs, and financial behavior of students in Timor-Leste. This study uses a quantitative approach with a survey method to collect sample data from students throughout Timor-Leste. Structural equation modeling (SEM) analyzes the relationship between financial literacy, financial attitudes, financial beliefs, internal and external locus of control, and financial behavior. The study’s results highlight the mediating role of internal and external locus of control in the relationship between financial literacy, financial attitudes, financial beliefs, and financial behavior of students in Timor-Leste. These findings can provide insight into the complex relationship between these factors in financial decision-making. Practical implications for educational institutions and policymakers in Timor-Leste, namely emphasizing the importance of considering internal and external locus control in financial literacy programs to improve students’ financial behavior. This study aims to fill the knowledge gap about student financial literacy by expanding the understanding of the relationship between these factors.