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. Available from (open access): https://doi.org/10.1108/INTR-08-2020-0460

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. Available from (open access): https://doi.org/10.1504/IJEB.2019.099059

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. Available from: 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. Available from: 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. Available from: https://doi.org/10.1016/j.chb.2013.02.018

Publications

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. Available from: 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. Available from (open access): https://doi.org/10.3390/digital3040018

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

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. Available from (open access): https://doi.org/10.1016/j.elerap.2023.101244

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. Available from (open access): https://doi.org/10.4018/978-1-7998-9220-5.ch124

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. Available from (open access): https://doi.org/10.3390/su142416482

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. Available from (open access): https://doi.org/10.1108/JEBDE-07-2022-0021

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. Available from (open access): https://doi.org/10.1016/j.jbef.2022.100739

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. Available from: 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. Available from (open access): https://doi.org/10.1007/s12525-022-00531-5

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. Available from (open access): https://doi.org/10.4018/JGIM.20220301.oa7

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. Available from (open access): https://doi.org/10.4018/IJISSS.289219

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. Available from (open access): https://doi.org/10.1108/INTR-08-2020-0460

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. Available from (open access): https://doi.org/10.52825/bis.v1i.58

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. Available from: 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. Available from (open access): https://doi.org/10.24251/HICSS.2021.139

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. Available from (open access): https://doi.org/10.1080/15332861.2020.1832817

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. Available from: 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. Available from (open access): https://doi.org/10.1016/j.ipm.2020.102281

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. Available from (open access): https://doi.org/10.1108/EOR-01-2023-0001

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

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. Available from (open access): https://doi.org/10.1080/23311975.2019.1666641

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. Available from: https://doi.org/10.1145/3292522.3326038

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. Available from (open access): https://doi.org/10.1504/IJEB.2019.099059

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. Available from: 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. Available from: 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. Available from: 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. Available from: 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. Available from: http://aisel.aisnet.org/ecis2017_rp/50/

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. Available from: 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. Available from: https://doi.org/10.1016/j.chb.2016.03.093

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. Available from (open access): https://doi.org/10.19173/irrodl.v17i1.2110

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. Available from: 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. Available from: 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. Available from: 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. Available from: 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. Available from: 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. Available from: http://mipt-sm.ru/wp-content/uploads/2013/06/Distance-Learning-Alex-Zarifis-020613C-New-version.pdf

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. Available from: https://doi.org/10.1016/j.chb.2013.02.018

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. Available from: 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. Available from: 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. Available from: 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

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

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

Efthymiou L., Zarifis A. & Orphanidou Y. (2021) ‘A measurement model for collaborative online learning in postgraduate engineering management studies’. Available from: 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. Available from: 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. (2022) ‘Dr Alex Zarifis insights on Non-Fungible Tokens (NFTs)’, FintechView magazine. 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/