Factors influencing customers to choose Bank Rakyat Islamic credit card / Siti Nur'ain Ismail Yatim
Bibliographic record
Abstract
Islamic credit card provides various facility such as credit facility or advanced payment. This research to study the factors influencing customers to choose the Bank Rakyat Islamic Credit Card by using Innovation Diffusion Theory (ID T) which IDT consist of relative advantage, compatibility, complexity, trialability and observability. This research is specifically focus on the Bank Rakyat Islamic credit card's customers in Bank Rakyat, Head Quarter (HQ). A descriptive study was conducted to 141 customers of Bank Rakyat. Seven section of questionnaire was distributed to the customer relating the Innovation Diffusion Theory and intention of use Bank Rakyat Islamic Credit Card. The study was found that relative advantage, compatibility and observability have significant relationship with the usage of Bank Rakyat Islamic Credit Card. The study is able to determine the factors influencing customers to choose the Bank Rakyat Islamic Credit Card despite the limitation when the customer is hardly to cooperate to respond this survey.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.001 | 0.003 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.000 | 0.001 |
| Science and technology studies | 0.001 | 0.000 |
| Scholarly communication | 0.002 | 0.001 |
| Open science | 0.000 | 0.000 |
| Research integrity | 0.000 | 0.001 |
| Insufficient payload (model declined to judge) | 0.009 | 0.001 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".