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All Journal International Journal of Multidisciplinary: Applied Business and Education Research
Narsico, Peter G.
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Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Environmental Science Medicine & Pharmacology

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From Data to Awakening: A Seven-Level Typology for Transformative Research Aligned with the United Nations Sustainable Development Goals Narsico, Peter G.
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 7 No. 4 (2026): International Journal of Multidisciplinary: Applied Business and Education Rese
Publisher : Future Science / FSH-PH Publications

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijmaber.07.04.21

Abstract

This paper presents a seven-level typology of research results (descriptive, interpretative, prescriptive, reflective, generative, transformative, meta-transformative) so that we can understand scholarly depth and impact. Fluid and interdependent, these levels guide research from observation to social change. Inspired by the ambitious goals of the United Nations Sustainable Development Goals, this typology suggests that research has to go beyond technical rigor to a higher ethical and human level. It is a way to question the level of evidence and conceptual depth that is necessary for researchers to bring data to life and to help them to view research as a pathway to creating a just, inclusive society for a sustainable planet. In sustainability, education, and health, research is transforming from something that is just to be right and just to be good as well as transformative. If one wants to frame inquiry as a recursive and sacred activity, then in this model it also creates the notion that research can reveal truths, empower communities and open up new opportunities in every field and culture and it is how research is to illuminate truths and to inspire communities and new possibilities in disciplines and cultures.
Online Fraud Risk and Its Impact on Student Trust in Digital Financial Services Lauron, Kathleen Grace M.; Malinao, Brigette Rose E.; Detecio, Chris James T.; Abejero, Edward Louie Y.; Genon, Patricia Andrea A.; Abarquez, Paulino Jr. F.; Malubay, Ryan B.; Narsico, Peter G.
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 7 No. 4 (2026): International Journal of Multidisciplinary: Applied Business and Education Rese
Publisher : Future Science / FSH-PH Publications

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijmaber.07.04.25

Abstract

In this study we have investigated the impact of digital financial risk perception on customer trust in digital financial services on students at a university in Cebu City of the Philippines. As people increasingly depend on e-wallets and mobile banking to transact daily business, it is important to learn how fraud awareness influences their trust. We have used a quantitative correlational design and conducted a Likert scale survey on 310 students. The Likert scale is not too reliable (Cronbach’s α = 0.778) but students found online fraud to be a serious and growing problem (M = 3.37). However, they trusted digital financial services (M = 2.92). Simple linear regression revealed that perceived online fraud risk is not a strong predictor of customer trust (R² = 0.003 and p = 0.34), indicating that fraud awareness is not responsible for all the variation in trust. These results suggest that students are more trusting in functional trust (convenience, usability and platform performance) than in perceived safety. Despite high-risk awareness, students continue to use digital financial services because those services are essential to daily life. This finding indicates that service providers need to better serve the customers when it comes to platform reliability, user experience and customer support as these properties seem to be more important in maintaining trust than perceived fraud risk. Future research should also look at user satisfaction, digital literacy and actual fraud experience and longitudinal design to track how trust changes with changing digital practices.
Co-Authors Abarquez, Paulino Jr. F. Abejero, Edward Louie Y. Andres, Judith L. Codilla, Fiona Mae B. Delantar, Jinky R. Detecio, Chris James T. Estudillo, Joel L. Gabriel, John Alvin M. Genon, Patricia Andrea A. Gulane, Ian Rovii U. Jayma, Jozette Sheen A. Lauron, Kathleen Grace M. Mabini Jr., Silvestre P. Malinao, Brigette Rose E. Malubay, Ryan B. Mecon Napoles, Janine Narsico, Lalaine O. Niere (Mecon), Marvin Ian E. Niere, Marvin Ian E. Oro, Cheryl P. Polinar, Mark Anthony N. Reyes, Heart Love S. Rio , Rachel B. Riva, Ma. Reinadel D. Rojas, Enrico D. Salvador, Michel A. Singco, Jeshua Mel C. Solon, Rhoda Mae E. Soyangco, Philippe R. Torres, Chrisjay S. Uy, Heather Faith B.