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International Journal of Social Science, Education, Communication and Economics
Published by CV. LAFADZ JAYA
ISSN : -     EISSN : 28297350     DOI : https://doi.org/10.54443/sj
Core Subject : Religion, Economy, Humanities, Education, Art, Social,
Religion Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences
International Journal of Social Science, Education, Communication and Economics (SINOMICS Journal) | E-ISSN: 2829-7350 publishes articles or scientific studies related to social science, education, communication, and economics. publishes articles or scientific studies related to social science, education, communication, and economics. The scope of this journal includes: Social Sciences (Archeology, Anthropology, Geography, History, Law, Linguistics, Psychology, Sociology, and Political). Education (educational philosophy, educational psychology, curriculum, educational evaluation, educational administration, educational technology, guidance and counseling, out-of-school education, and general education) Communication Studies (Journalism, Public Relations, Advertising, Media Studies). Economics (development economics, applied economics, monetary economics, public economics, industrial economics, international and regional economics, natural resource economics, human resource economics, and sharia economics).
Arjuna Subject : Ilmu Sosial - Ilmu Sosial (Lain-Lain)
Articles 433 Documents
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Consumer Resistance to Mobile Payment Adoption: Revisiting Functional and Psychological Barriers in Libya Fouad Mansour Omar Altwergi
International Journal of Social Science, Education, Communication and Economics (SINOMICS Journal) Vol. 5 No. 3 (2026): August
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/sj.v5i3.541

Abstract

Mobile payment services are commonly promoted as convenient, fast, and secure alternatives to cash and cards, yet the availability of technology does not guarantee its acceptance. This article revisits qualitative evidence on resistance to mobile payments through the Innovation Resistance Theory (IRT), with particular attention to the interaction between functional and psychological barriers. The underlying study involved ten Libyan adults aged 20–35 who did not use mobile payments. Interview accounts were thematically analysed and organised around five IRT barriers: usage, value, risk, tradition, and image. The reported themes indicate that non-adoption was associated with uncertain merchant acceptance, limited knowledge of service features, fragmented payment applications, weakly perceived advantages, security and privacy concerns, dependence on a functioning mobile device, established payment habits, and uncertainty about providers’ data practices. Social approval also appeared to influence willingness to try unfamiliar services. The article’s contribution is interpretive rather than statistical: it shows how barriers reinforce one another, making resistance a reasoned response to uncertainty rather than simply a deficit in technological awareness. For providers, merchants, and regulators, the findings support coordinated action on interoperability, transparent security communication, accessible consumer education, and visible dispute-resolution mechanisms. Because the evidence is based on a small, purposively selected sample, the findings should be treated as context-sensitive insights, not as estimates of the prevalence of resistance among all Libyan consumers.
Central Bank Digital Currency and Physical Cash: Comparative Benefits, Risks, and Policy Choices Aminu Adamu Ahmed; Alhaji Adamu Saidu; Jibril Hussein Kawure
International Journal of Social Science, Education, Communication and Economics (SINOMICS Journal) Vol. 5 No. 3 (2026): August
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/sj.v5i3.542

Abstract

Central bank digital currency (CBDC) is a digital form of central-bank money proposed or implemented to complement existing payment arrangements. This article revisits the comparative roles of CBDC and physical cash through a structured synthesis of literature on their features, perceived benefits, and implementation risks. The original review reported an initial pool of 146 records and a final set of 35 studies, largely published between 2017 and 2021. Rather than presenting this historical sample as a new 2026 search, the present version reorganizes the original evidence and frames its implications for policy discussion in June–July 2026. The synthesis indicates that CBDC may support faster digital settlement, reduce some cash-handling costs, improve traceability for authorized oversight, and broaden access to central-bank money in digital settings. These potential advantages are conditional: access depends on devices, connectivity, digital capability, sound design, privacy safeguards, and public confidence. CBDC can also create operational and cyber risks, complicate the role of commercial banks, and exclude people who rely on cash or have limited digital access. The analysis therefore does not treat CBDC as an automatic or universal replacement for notes and coins. It argues for a carefully governed, interoperable payment ecosystem in which the continued role of cash, accessible alternatives, consumer protection, and financial stability are explicit design considerations.
Pragmatic Competence among Pakistani EFL Undergraduates: The Roles of Gender and University Context Sajjad Hussain; Muhammad Sajid Aziz; Ayman Riheel Alnaas Taha
International Journal of Social Science, Education, Communication and Economics (SINOMICS Journal) Vol. 5 No. 3 (2026): August
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/sj.v5i3.543

Abstract

Pragmatic competence is an essential dimension of second-language communication because learners must interpret intended meaning and select expressions that fit social context, not merely produce grammatically accurate sentences. This study examines reported pragmatic competence among Pakistani undergraduates learning English as a foreign language (EFL), focusing on conversational implicature, situational routines, and speech acts, alongside gender and university context. The source manuscript describes a quantitative cross-sectional assessment of 170 second-year students from Ghazi University and Education University. Participants completed a Discourse Completion Task (DCT), and responses were scored as correct or incorrect before statistical analysis. The source reports a total mean score of 7.44 out of a possible 31 points, suggesting substantial difficulty on the assessment. It also reports no statistically significant gender difference for implicature (p = .60) and suggests possible differences between universities in selected domains. However, several values and interpretations in the original tables and narrative conflict. This revised version therefore preserves reported figures where identifiable and explicitly marks results that require verification rather than inventing corrected statistics. The findings support explicit attention to implied meaning, conventional interactional routines, and context-sensitive speech-act choices in EFL curricula. The study is limited by its two-institution sample, cross-sectional design, dependence on a DCT, and incomplete statistical reporting. Further research should verify the original dataset, publish a transparent scoring rubric, and combine written tasks with observed interaction.

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