Research by Dr Alex Zarifis on technology and business

Five Most Significant Publications

Cheng X., Bao Y., Zarifis A., Gong W. & Mou J. (2021) ‘Exploring consumers’ response to text-based chatbots in e-commerce: The moderating role of task complexity and chatbot disclosure’, Internet Research, vol.32, no.2, pp.496-517. https://doi.org/10.1108/INTR-08-2020-0460 (open access)

Zarifis A., Cheng X. & Kroenung J. (2019) ‘Collaborative consumption for low and high trust requiring business models: From fare sharing to supporting the elderly and disabled’, International Journal of Electronic Business, vol.15, no.1, pp.1-20. https://doi.org/10.1504/IJEB.2019.099059 (open access)

Cheng X., Fu S., Han Y. & Zarifis A. (2017) ‘Investigating the individual trust and school performance in semi-virtual collaboration groups’, Information Technology and People, vol.30, no.3, pp.691-707. https://www.doi.org/10.1108/ITP-01-2016-0024

Cheng X., Fu S., Sun J., Han Y., Shen J. & Zarifis A. (2016) ‘Investigating individual trust in semi-virtual collaboration of multicultural and unicultural teams’, Computers in Human Behavior, vol.62, pp.267-276. https://doi.org/10.1016/j.chb.2016.03.093

Cheng X., Macaulay L. & Zarifis A. (2013) ‘Modelling individual trust development in computer mediated collaboration: A comparison of approaches’, Computers in Human Behavior, vol.29, no.4, pp.1733-1741. https://doi.org/10.1016/j.chb.2013.02.018

Publications

Zarifis A. & Cheng X. (2024) ‘How to build trust in answers given by Generative AI for specific, and vague, financial questions’, Journal of Electronic Business & Digital Economics, pp.1-15. https://doi.org/10.1108/JEBDE-11-2023-0028 (open access)

Zarifis A. & Fu S. (2024) ‘The second extended model of consumer trust in cryptocurrency payments, CRYPTOTRUST 2’, Frontiers in Blockchain, vol.7, pp.1-11. https://doi.org/10.3389/fbloc.2024.1220031 (open access)

Zarifis A. & Cheng X. (2024) ‘A model reducing researchers’ challenges in projects: build trust first for better mental health’, Cogent Business & Management, vol.11, no.1, pp.1-13. https://doi.org/10.1080/23311975.2024.2350786 (open access)

Zarifis A. (2024) ‘Leadership in Fintech builds trust and reduces vulnerability more when combined with leadership in sustainability’, Sustainability, 16, 5757, pp.1-13. https://doi.org/10.3390/su16135757 (open access)

Zarifis A. & Cheng X. (2024) ‘Trust in central bank digital currency (CBDC) in Mexico’, ECIS 2024 TREOS, pp.1-4. https://aisel.aisnet.org/treos_ecis2024/2

Cheng X., Yan Y. & Zarifis A. (2024) ‘Understanding users’ response to chatbots from the perspective of interactive ritual chain’, Proceedings of the Americas’ Conference on Information Systems (AMCIS), pp.1-5. https://aisel.aisnet.org/amcis2024/vcc/vcc/11/

Tsai S., Cheng X., Yang Y., Xiong J. & Zarifis A. (2023) ‘The social-technological ways to develop digital entrepreneurship: Targeting value creation and value capture’, Information Processing & Management, 103568, pp.1-4. https://doi.org/10.1016/j.ipm.2023.103568

Zarifis A. & Fu S. (2023) ‘Re-evaluating trust and privacy concern when purchasing a mobile app: Re-calibrating for the increasing role of Artificial Intelligence’, Digital, vol.3, no.4, pp.286-299. https://doi.org/10.3390/digital3040018 (open access)

Zarifis A. (2023) ‘A model of trust in ethereum token ‘Ether’ payments, TRUSTEP’, Businesses, vol.3, no.4, pp.534-547. https://doi.org/10.3390/businesses3040033 (open access)

Cheng X., Su X., Yang B., Zarifis A. & Mou J. (2023) ‘Understanding users’ negative emotions and continuous usage intention in short video platforms’, Electronic Commerce Research and Applications, 101244, pp.1-46. https://doi.org/10.1016/j.elerap.2023.101244 (open access)

Zarifis A. & Cheng X. (2022) ‘AI is transforming insurance with five emerging business models’. In Encyclopedia of Data Science and Machine Learning (pp. 2086–2100). IGI Global. https://doi.org/10.4018/978-1-7998-9220-5.ch124 (open access)

Zarifis, A. & Castro, L.A. (2022) ‘The NFT purchasing process and the challenges to trust at each stage’, Sustainability, vol.14,16482, pp.1-13. https://doi.org/10.3390/su142416482 (open access)

Zarifis A. & Cheng X. (2022) ‘The business models of NFTs and Fan Tokens and how they build trust’, Journal of Electronic Business & Digital Economics, vol.1, pp.1-14. https://doi.org/10.1108/JEBDE-07-2022-0021 (open access)

Zarifis A. & Cheng X. (2022) ‘A model of trust in Fintech and trust in Insurtech: How Artificial Intelligence and the context influence it’, Journal of Behavioral and Experimental Finance, vol. 36, pp. 1-20. https://doi.org/10.1016/j.jbef.2022.100739 (open access)

Zarifis A. & Efthymiou L. (2022) ‘The four business models for AI adoption in education: Giving leaders a destination for the digital transformation journey’, IEEE Global Engineering Education Conference (EDUCON), pp.1866-1870. https://doi.org/10.1109/EDUCON52537.2022.9766687

Cheng X., Lin X., Shen X., Zarifis A. & Mou J. (2022) ‘The dark sides of AI’, Electronic Markets, pp.1-5. https://doi.org/10.1007/s12525-022-00531-5 (open access)

Bao Y., Cheng X. & Zarifis A. (2022) ‘Exploring the impact of country-of-origin image and purchase intention in cross-border e-commerce’, Journal of Global Information Management, vol.30, iss.2, pp.1-20. https://doi.org/10.4018/JGIM.20220301.oa7 (open access)

Zarifis A., Cheng X., Jayawickrama U. & Corsi S. (2022) ‘Can global, extended and repeated ransomware attacks overcome the user’s status quo bias and cause a switch of system?’, International Journal of Information Systems in the Service Sector (IJISSS), vol.14, iss.1, pp.1-16. https://doi.org/10.4018/IJISSS.289219 (open access)

Zarifis A. & Cheng X. (2021) ‘Evaluating the new AI and data driven insurance business models for incumbents and disruptors: Is there convergence?’, 24th International Conference on Business Information Systems (BIS 2021), pp.199-208. https://doi.org/10.52825/bis.v1i.58 (open access)

Efthymiou L. & Zarifis A. (2021) ‘Modeling students’ voice for enhanced quality in online management education’, The International Journal of Management Education, vol.19, iss.2, pp.1-16. https://doi.org/10.1016/j.ijme.2021.100464

Zuo Y., Cheng X., Bao Y. & Zarifis A. (2021) ‘Investigating user satisfaction of university online learning courses during the COVID-19 epidemic period’, Proceedings of the 54th Hawaii International Conference on System Sciences, pp.1139–1148. https://doi.org/10.24251/HICSS.2021.139 (open access)

Zarifis A., Kawalek P. & Azadegan A. (2021) ‘Evaluating if trust and personal information privacy concerns are barriers to using health insurance that explicitly utilizes AI’, Journal of Internet Commerce, vol.20, pp.66-83. https://doi.org/10.1080/15332861.2020.1832817 (open access)

Cheng X., Sun J. & Zarifis A. (2020) ‘Artificial Intelligence and Deep Learning in educational technology research and practice’, British Journal of Educational Technology, pp.1-4. https://doi.org/10.1111/bjet.13018

Cheng X., Bao Y. & Zarifis A. (2020) ‘Investigating the impact of IT-mediated information interruption on emotional exhaustion in the workplace’, Information Processing and Management, vol.57, iss.6, pp.1-16. https://doi.org/10.1016/j.ipm.2020.102281 (open access)

Zarifis A., Holland C.P. & Milne A. (2019) ‘Evaluating the impact of AI on insurance: The four emerging AI and data driven business models’, Emerald Open Research, pp.1-17. https://doi.org/10.1108/EOR-01-2023-0001 (open access)

Herbert I., Milne A. & Zarifis A. (2019) ‘Data technologies and next generation insurance operations’, Journal of Financial Transformation, vol.50, pp.110-117. https://www.capco.com/capco-institute/journal-50-data-analytics/data-technologies-and-next-generation-insurance-operations (open access)

Zarifis A., Ingham R. & Kroenung, J. (2019) ‘Exploring the language of the sharing economy: Building trust and reducing privacy concern on Airbnb in German and English’, Cogent Business & Management, vol.6, iss.1, pp.1-15. https://doi.org/10.1080/23311975.2019.1666641 (open access)

Zarifis A. (2019) ‘The six relative advantages in multichannel retail for three-dimensional Virtual Worlds and two-dimensional websites’, Proceedings of the 10th ACM Conference on Web Science, June 19–21, Boston, USA, pp.363-372. https://doi.org/10.1145/3292522.3326038

Cheng X., Su L. & Zarifis A. (2019) ‘Designing a talents training model for cross‑border e‑commerce: A mixed approach of problem‑based learning with social media’, Electronic Commerce Research, vol.19, iss.4, pp.801-822. https://doi.org/10.1007/s10660-019-09341-y

Cheng X., Bao Y., Zarifis A. & Mou J. (2019) ‘A model of customer trust in Sharing Economy-driven ride-sharing platforms involving psychological contract violation and recovery’, Proceedings of the Americas Conference on Information Systems (AMCIS), pp.1-5. https://aisel.aisnet.org/amcis2019/cognitive_in_is/cognitive_in_is/6/

Zarifis A. & Cheng X. (2018) ‘The impact of extended global ransomware attacks on trust: How the attacker’s competence and institutional trust influence the decision to pay’, Proceedings of the Americas Conference on Information Systems (AMCIS), pp.2-11. https://aisel.aisnet.org/amcis2018/Security/Presentations/31/

Michael P., Dimitriou S., Glyptis L. & Zarifis A. (2018) ‘e-Government implementation challenges in developing countries: The project manager’s perspective’, International Journal of Public Administration and Management Research (IJPAMR), vol.4, no.3, pp.1-17. http://www.rcmss.com/index.php/ijpamr

Chen L., Zarifis A. & Kroenung J. (2017) ‘The role of trust in personal information disclosure on health-related websites’, Proceedings of the European Conference on Information Systems (ECIS), pp.771-786, ISBN 978-0-9915567-0-0. http://aisel.aisnet.org/ecis2017_rp/50/

Cheng X., Wang X., Huang J. & Zarifis A. (2016) ‘An experimental study of satisfaction response: Evaluation of online collaborative learning’, International Review of Research in Open and Distributed Learning, vol.17, no.1, pp.60-78. https://doi.org/10.19173/irrodl.v17i1.2110 (open access)

Zarifis A., Cheng X., Dimitriou S. & Efthymiou L. (2015) ‘Trust in digital currency enabled transactions model’, Proceedings of the Mediterranean Conference on Information Systems (MCIS), pp.1-8. https://aisel.aisnet.org/mcis2015/3/

Zarifis A. & Kokkinaki A. (2015) ‘The relative advantage of collaborative virtual environments and two-dimensional websites in multichannel retail’, Lecture Notes in Business Information Processing-Springer, vol.208, pp.233-244. https://doi.org/10.1007/978-3-319-19027-3_19

Dimitriou S. & Zarifis A. (2015) ‘Social actors and institutional carriers in small island states: Examining the role of partnerships in influencing organisations’ approach towards environmental disclosure’, 2nd International Conference on Accounting Studies. http://repo.uum.edu.my/17551/1/039-ICAS2015%2039-47.pdf

Zarifis A., Efthymiou L., Cheng X. & Dimitriou S. (2014) ‘The CDIO approach in distance learning’, IEEE International Conference Engineering & Telecommunications 2014. http://en-t.org/proen.shtml #

Zarifis A., Efthymiou L., Cheng X. & Demetriou S. (2014) ‘Consumer trust in digital currency enabled transactions’, Lecture Notes in Business Information Processing-Springer, vol.183, pp.241-254. https://doi.org/10.1007/978-3-319-11460-6_21

Zarifis A. (2013) ‘The technologies and practices delivering effective distance learning’, Moscow Institute of Physics and Technology Research Publications. http://mipt-sm.ru/wp-content/uploads/2013/06/Distance-Learning-Alex-Zarifis-020613C-New-version.pdf

Cheng X., Macaulay L. & Zarifis A. (2009) ‘A case study of individual trust development in computer mediated collaboration teams’, IEEE 16th International Conference on Computational Science and Engineering (CSE’09), vol.3, pp.277-282. https://ieeexplore.ieee.org/abstract/document/5283509

Gadalla E. & Zarifis A. (2009) ‘Exploring customer perceptions of e-service quality in collaborative virtual environments: A critical incident analysis’, Academy of Marketing Annual Conference 2009, Leeds. http://marketing.conference-services.net/programme.asp?conferenceID=1581&action=prog_categories

Cheng X., Macaulay L. & Zarifis A. (2008) ‘Individual trust development in computer mediated teamwork’, ACM WebScience’08, June 19–21, Pittsburgh, USA. http://users.ecs.soton.ac.uk/dem/workshops/webscience08/papers/websci01-cheng.pdf

Zarifis A. (2008) ‘Consumer trust in virtual worlds’, Proceedings of the Manchester Business School Doctoral Conference, Manchester, UK.

Books and Book Contributions

Zarifis A., Ktoridou D., Efthymiou L. & Cheng X. (2023) ‘Business digital transformation: Selected cases from industry leaders’, London: Palgrave Macmillan. https://doi.org/10.1007/978-3-031-33665-2

Zarifis A., Efthymiou L. & Cheng X. (2023) ‘Sustainable digital transformation in finance, tourism, transport, entertainment and social innovation’. In Zarifis A., Ktoridou D., Efthymiou L. & Cheng X. (ed.) Business digital transformation: Selected cases from industry leaders, London: Palgrave Macmillan, pp.1-16. https://doi.org/10.1007/978-3-031-33665-2_1 (open access)

Zarifis A. & Cheng X. (2023) ‘The five emerging business models of Fintech for AI adoption, growth and building trust’. In Zarifis A., Ktoridou D., Efthymiou L. & Cheng X. (ed.) Business digital transformation: Selected cases from industry leaders, London: Palgrave Macmillan, pp.73-97. https://doi.org/10.1007/978-3-031-33665-2_4 (open access)

Zarifis A. & Cheng X. (2023) ‘The six ways to build trust and reduce privacy concern in a Central Bank Digital Currency (CBDC)’. In Zarifis A., Ktoridou D., Efthymiou L. & Cheng X. (ed.) Business digital transformation: Selected cases from industry leaders, London: Palgrave Macmillan, pp.115-138. https://doi.org/10.1007/978-3-031-33665-2_6 (open access)

Efthymiou L., Zarifis A. & Orphanidou Y. (2021) ‘A measurement model for collaborative online learning in postgraduate engineering management studies’. http://doi:10.4018/978-1-7998-4063-3

Zarifis A. & Ingham R. (2019) ‘Building trust in English and German for collaborative consumption: A comparative case study of the language and content used by collaborators on Airbnb’. In Wruk D., Oberg A. and Maurer I. Perspectives on the Sharing Economy, Cambridge Scholars Publishing (pp.189-196). ISBN-10: 1-5275-3512-6. https://www.cambridgescholars.com/perspectives-on-the-sharing-economy

Bátiz-Lazo B. & Efthymiou L. (2016) ‘The book of payments: Historical and contemporary views on the cashless economy’, London: Palgrave Macmillan, DOI: 10.1057/978-1-137-60231-2.

Research Reports

Proskalovich R., Jack C., Zarifis A., Serralde D.M., Vershinina P., Naidoo S., Njoki D., Pernice I., Herrera D. & Sarmiento J. (2023) ‘Cryptoasset ecosystem in Latin America and the Caribbean’, University of Cambridge – Cambridge Center for Alternative Finance (CCAF). Available from: https://www.jbs.cam.ac.uk/faculty-research/centres/alternative-finance/publications/crypotasset-ecosystem-in-latin-america-and-the-caribbean/

Milne A. & Zarifis A. (2020) Project Conference Thematic Summary and Overview for Technology and Next Generation Insurance Services (TECHNGI) held at the Willis Towers Watson auditorium in Lime Street, London EC3, on Nov 26th, 2019. Available from: https://www.longfinance.net/documents/2243/TECHNGI_Nov_2019_conference_summary_and_review_V2.docx

Media

Zarifis A. (2024) ‘Leadership in Fintech and sustainability by Dr Alex Zarifis’, Fintechview 360. Available from: https://fintechview360.com/leadership-in-fintech-and-sustainability-by-dr-alex-zarifis/

Zarifis A. & Yarovaya L. (2024) ‘How leadership in financial organisations build trust in AI: Lessons from boards of directors in Fintech in Malaysia’, Institute of Corporate Directors Malaysia. Available from: https://pulse.icdm.com.my/article/how-leadership-in-financial-organisations-build-trust-in-ai-lessons-from-boards-of-directors-in-fintech-in-malaysia/

Zarifis A. (2024) ‘Books that shook the business world: Wikinomics by Dan Tapscott and Anthony D. Williams’, The Conversation. Available from: https://theconversation.com/books-that-shook-the-business-world-wikinomics-by-dan-tapscott-and-anthony-d-williams-233587

Zarifis A. (2024) ‘Leadership in Fintech builds trust and reduces vulnerability’, FinTech Scotland. Available from: https://www.fintechscotland.com/leadership-in-fintech-builds-trust-and-reduces-vulnerability/

Zarifis A. (2024) ‘Lessons for Cyprus from the cryptoasset ecosystem in Latin America’, ‘Show me the money’ radio programme on Politis 107.6 FM with George Georgiou. Available from: https://politis.com.cy/radio

Zarifis A. (2024) ‘New research: The business models of NFTs and Fan Tokens and how they build trust’, Coinmonks. Available from: https://medium.com/coinmonks/the-business-models-of-nfts-and-fan-tokens-and-how-they-build-trust-432bd1956055

Zarifis A. (2024) ‘New research: The NFT purchasing process and the challenges to trust at each stage’, Coinmonks. Available from: https://medium.com/coinmonks/new-research-the-nft-purchasing-process-and-the-challenges-to-trust-at-each-stage-1297136f1103

Zarifis A. (2022) ‘Dr Alex Zarifis insights on Non-Fungible Tokens (NFTs)’, Fintechview 360. Available from: https://fintechview360.com/dr-alex-zarifis-insights-on-non-fungible-tokens-nfts/

Zarifis A. (2022) ‘Trust in Fintech and trust in Insurtech are influenced by Artificial Intelligence’, Duke University (Global Financial Economics Center). Available from: https://sites.duke.edu/thefinregblog/2022/11/11/trust-in-fintech-and-trust-in-insurtech-are-influenced-by-artificial-intelligence/

Zarifis A. (2022) ‘Ransomware attacks can break consumers loyalty to the victim of the attack and cause them to turn to someone else’. International Business Magazine. Available from: https://intlbm.com/2022/07/04/ransomware-attacks-can-break-consumers-loyalty-to-the-victim-of-the-attack-and-cause-them-to-turn-to-someone-else/

Zarifis A. (2022) ‘Existing insurers and disruptors are utilizing Artificial Intelligence to create new business models’, FinTech Scotland. Available from: https://www.fintechscotland.com/existing-insurers-and-disruptors-are-utilizing-artificial-intelligence-to-create-new-business-models/

Zarifis A. (2021) ‘In the spotlight: The capabilities of AI are increasing and it is disrupting insurance and healthcare’, FINT Newsletter. Available from: https://mailchi.mp/5041042deda9/fint-newsletter?e=e84e13477e

Zarifis A. (2021) ‘Artificial Intelligence is creating new business models for existing insurers and new insurers disrupting this sector’, Duke University (Duke Financial Economics Center). Available from: https://sites.duke.edu/thefinregblog/2021/08/24/artificial-intelligence-is-creating-new-business-models-for-existing-insurers-and-new-insurers-disrupting-this-sector/

Zarifis A. (2020) ‘Why is Tesla selling insurance and what does it mean for drivers?’, The Conversation, Available from: https://theconversation.com/why-is-tesla-selling-insurance-and-what-does-it-mean-for-drivers-130910

Herbert I. & Zarifis A. (2019) ‘The AI Challenge, Management Services Journal’, Winter, pp.14-20. Available from: https://www.ims-productivity.com/page.cfm/content/Management-Services-Article-Archive/