Technology Acceptance, Perceived Risk and Financial Literacy in Intention to Use Cryptocurrency--Model

2019 ◽  
Author(s):  
Mario Arias-Oliva ◽  
Jorge Pelegrín-Borondo ◽  
Gustavo Matías-Clavero
Keyword(s):  
Technology Acceptance ◽  
Financial Literacy ◽  
Perceived Risk ◽  
Intention To Use

A Holistic Model Proposal to Better Understand Mobile Purchases

2021 ◽  
Vol 17 (3) ◽  
pp. 84-97
Author(s):  
Sinda Agrebi
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Risk ◽  
Purchase Intention ◽  
Mobile Internet ◽  
Ease Of Use ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Holistic Model ◽  
Acceptance Model

This research suggests a model to explain mobile purchase intention via smartphones based on the technology acceptance model to which specific variables to the m-commerce context were added: perceived risk, innovativeness, ubiquity, and trust in mobile internet. To that aim, a quantitative study was conducted with 400 French mobile users (200 buyers and 200 non-buyers) and was based on a purchase simulation of a train ticket on a mobile site up to the point of payment. The results show that the usefulness (explained by the innovativeness, the ubiquity and trust toward mobile Internet) and the perceived risk (explained by the innovativeness) have an impact on the intention to use unlike the perceived ease of use.

Distinguish Significant Adoption Factors That Influence Users' Behavioral Expectation to Utilize Mobile Payment

2019 ◽  
pp. 148-168
Author(s):  
Pajaree Tansakul ◽  
Malka N. Halgamuge ◽  
Ali Syed
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Positive Impact ◽  
Negative Relationship ◽  
Mobile Payment ◽  
Intention To Use ◽  
Scientific Publications ◽  
Adoption Factors ◽  
Intention To Adopt ◽  
Acceptance Model

In this chapter, the authors performed an analysis of the data extracted from 39 peer-reviewed scientific publications between 2015 and 2018 describing users' adoption of various mobile payment systems encompassing methods, technologies, adoption models, theories, variables of the adoption models and theories, as well as significant adoption factors. The analysis demonstrates that the technology acceptance model (TAM) is the most popular model to investigate users' adoption of mobile payment. Both the original and extended versions of TAM are studied broadly to examine the individual's intention to adopt mobile payment. In addition, the analysis of the results from this chapter demonstrates perceived compatibility has the strongest positive impact on the intention to use mobile payment technology whereas perceived risk has a negative relationship with the intention to use mobile payment technology.

Understanding Vietnamese Consumer Intention to Use Online Retailer Websites

2020 ◽  
Vol 12 (2) ◽  
pp. 1-15
Author(s):  
A. F. M. Jalal Ahamed ◽  
Yam Limbu ◽  
Long Pham ◽  
Ha Van Nguyen
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Risk ◽  
Structural Equation ◽  
Online Shopping ◽  
Equation Model ◽  
Ease Of Use ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Acceptance Model

This study examines the applicability of an extended technology acceptance model (TAM) that incorporates trust, perceived risk, and self-enhancement as antecedents to the TAM constructs. Data collected from 299 Vietnamese online consumers, through a self-administered survey, were entered into a structural equation model using AMOS 23 to establish causality. The results partially confirm the applicability of TAM to the online shopping intentions of Vietnamese consumer, though contrary to expectations, perceived ease of use does not predict behavioral intentions. Trust and self-enchantment fit well with the TAM; the inclusion of perceived risk as an antecedent is questionable. The findings offer new opportunities for explaining TAM theory in light of Schwartz's value dimensions. This article thus concludes with a discussion of the research contributions and implications.

scholarly journals Behavioural Intention Factors Influencing Sharing Economy Innovations: An Exploratory Research of Uber in South Africa

Metamorphosis ◽  
2020 ◽  
Vol 19 (1) ◽  
pp. 42-58
Author(s):  
Lemohang Molobi ◽  
Sajal Kabiraj ◽  
Md. Nur Alam Siddik
Keyword(s):  
South Africa ◽  
Technology Acceptance ◽  
Perceived Risk ◽  
Negative Impact ◽  
Sharing Economy ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Behavioural Intention ◽  
Intention To Use ◽  
Exploratory Research

This research explores factors associated with the use of the Uber application, a successful sharing economy innovation, in South Africa. The exploratory research adapted a technology acceptance model with two other factors, perceived risks and company characteristics on behavioural intention to utilize Uber. Using a survey data of 396 respondents, this research empirically finds that ease of use, company characteristics, attitude, perceived usefulness, and level of education have significant positive impacts on behavioural intention to use Uber applications. Meanwhile, gender and age groups have negative impacts on behavioural intention. Furthermore, the study found that perceived risk has a negative impact on behavioural intention to use Uber. The research findings are of significance for management on how user insights can be applied to take advantage of new prospects to innovate and to expand their businesses and for policymakers on how to seize the opportunities presented by such innovation and develop appropriate policy frameworks.

Understanding Customer Intention to Use Mobile Payment Services in Nanjing, China

10.31355/22 ◽  
2018 ◽  
Vol 2 ◽  
pp. 049-060 ◽  
Author(s):  
Phuah Kit Teng ◽  
Ting Jenn Ling ◽  
Kelly Wong Kai Seng
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Service Providers ◽  
Subjective Norm ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Mobile Service ◽  
Intention To Use ◽  
Payment Services

NOTE: THIS ARTICLE WAS PUBLISHED WITH THE INFORMING SCIENCE INSTITUTE. Aim/Purpose.............................................................................................................................................................................. This study examines the factors that influence customer intention to use mo-bile payment service in Nanjing, China. It also gains a deeper understanding and better insight of Chinese consumer behavior. Background.............................................................................................................................................................................. Mobile payments services represent a tremendously interesting paradox in the world of telecommunications. Although, they are convenient, quick and easy but there is not still enough evidence on how successful this practice is. In Nanjing, China, consumer intention to use mobile payment is still questionable and remains as a skeptical consideration. Methodology.............................................................................................................................................................................. A survey was conducted in Nanjing, China where 612 respondents were interviewed by self-administrated survey. The modified Theory of Reasoned Action (TRA) and Technology Acceptance Model (TAM) were applied in this study. Descriptive analysis, exploratory factor analysis and multiple regressions were used to accomplish the objective. Contribution.............................................................................................................................................................................. This research provides an insight to the mobile telecommunication industry, marketers, decision makers and academics on the factors that encourage consumers to use mobile payment. Findings.................................................................................................................................................................................... Four factors that influence the consumer behavioral intention were deter-mined in this study (perceived risk, perceived usefulness, subjective norm and attitude). The results of multiple regression indicate that all four variables significantly influence consumer intention to use mobile payment in Nanjing, China, however subjective norm has relatively high impact as compared to others. Recommendations for Practitioners........................................................................................................................................ In order to build a positive expression of the brand, mobile service providers are suggested to enhance the persuasion of the application. As customers provide their privacy information to register for the mobile payment services, providers should strengthen their security system. This not only shapes consumer trust but also prevent privacy leakage. Secondly, mobile payment application providers can imply policies for protecting customer rights from potential risk to increase their agreement of the application. These will lead to unexpected losses financially. Recommendation for Researchers............................................................................................................................................ It is recommended to make a comparison study between two Mobile payment platforms by examining constructs such as usefulness, ease of use, perceived risk as well as security risk, financial risk, social risk and time risk between Alipay and Wechat payment system in China. Impact on Society........................................................................................................................................................................ Various forms of mobile payment have been adopted by Chinese consumers due to convenience, speed and ease of use. Even though mobile payment does not replace physical payment cards but it has been acting as a substitute for paper-based payment method and it is driving demand and consumer usage. However, there the potential for data to leak creates some level of insecurity and skepticism for Chinese costumers. Future Research............................................................................................................................................................................ To have an in depth understanding about the consumer intention to use mobile payment, it is recommended to determine the current customers’ satisfaction level by adopting the SERQUAL model. Qualitative and quantitative research with focus group will be a good approach to get a deeper understanding on the factors that influence consumer to use mobile payment services rather than others payment methods. It is also important to get more information regarding customer satisfaction towards the mobile payment platform.

Understanding Vietnamese Consumer Intention to Use Online Retailer Websites

2021 ◽  
pp. 984-999
Author(s):  
A. F. M. Jalal Ahamed ◽  
Yam Limbu ◽  
Long Pham ◽  
Ha Van Nguyen
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Behavioral Intentions ◽  
Structural Equation ◽  
Online Shopping ◽  
Equation Model ◽  
Ease Of Use ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Acceptance Model

This study examines the applicability of an extended technology acceptance model (TAM) that incorporates trust, perceived risk, and self-enhancement as antecedents to the TAM constructs. Data collected from 299 Vietnamese online consumers, through a self-administered survey, were entered into a structural equation model using AMOS 23 to establish causality. The results partially confirm the applicability of TAM to the online shopping intentions of Vietnamese consumer, though contrary to expectations, perceived ease of use does not predict behavioral intentions. Trust and self-enchantment fit well with the TAM; the inclusion of perceived risk as an antecedent is questionable. The findings offer new opportunities for explaining TAM theory in light of Schwartz's value dimensions. This article thus concludes with a discussion of the research contributions and implications.

scholarly journals Adoption of Mobile Health Apps in Dietetic Practice: Case Study of Diyetkolik

10.2196/16911 ◽  
2020 ◽  
Vol 8 (10) ◽  
pp. e16911
Author(s):  
Gorkem Akdur ◽  
Mehmet Nafiz Aydin ◽  
Gizdem Akdur
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Mobile Health ◽  
Behavioral Intention ◽  
Perceived Risk ◽  
Intention To Use ◽  
Health Apps ◽  
Mobile Health Apps ◽  
Acceptance Model ◽  
Behavioral Intention To Use

Background Dietetics mobile health apps provide lifestyle tracking and support on demand. Mobile health has become a new trend for health service providers through which they have been shifting their services from clinical consultations to online apps. These apps usually offer basic features at no cost and charge a premium for advanced features. Although diet apps are now more common and have a larger user base, in general, there is a gap in literature addressing why users intend to use diet apps. We used Diyetkolik, Turkey’s most widely used online dietetics platform for 7 years, as a case study to understand the behavioral intentions of users. Objective The aim of this study was to investigate the factors that influence the behavioral intentions of users to adopt and use mobile health apps. We used the Technology Acceptance Model and extended it by exploring other factors such as price-value, perceived risk, and trust factors in order to assess the technology acceptance of users. Methods We conducted quantitative research on the Diyetkolik app users by using random sampling. Valid data samples gathered from 658 app users were analyzed statistically by applying structural equation modeling. Results Statistical findings suggested that perceived usefulness (P<.001), perceived ease of use (P<.001), trust (P<.001), and price-value (P<.001) had significant relationships with behavioral intention to use. However, no relationship between perceived risk and behavioral intention was found (P=.99). Additionally, there was no statistical significance for age (P=.09), gender (P=.98), or previous app use experience (P=.14) on the intention to use the app. Conclusions This research is an invaluable addition to Technology Acceptance Model literature. The results indicated that 2 external factors (trust and price-value) in addition to Technology Acceptance Model factors showed statistical relevance with behavioral intention to use and improved our understanding of user acceptance of a mobile health app. The third external factor (perceived risk) did not show any statistical relevance regarding behavioral intention to use. Most users of the Diyetkolik dietetics app were hesitant in purchasing dietitian services online. Users should be frequently reassured about the security of the platform and the authenticity of the platform’s dietitians to ensure that users’ interactions with the dietitians are based on trust for the platform and the brand.

scholarly journals Factors affecting the intention to use online shopping apps in Ho Chi Minh City

2020 ◽  
Vol 3 (4) ◽  
pp. 390-401
Author(s):  
Nguyen Thi Hong Hanh ◽  
Duong Minh Hung ◽  
Vu Duy Phuong Trinh ◽  
Cao Truong Tuong Vy ◽  
La Thi Nhu Y
Keyword(s):  
Regression Analysis ◽  
Technology Acceptance ◽  
Perceived Risk ◽  
Online Shopping ◽  
Mobile Apps ◽  
Ho Chi Minh City ◽  
Intention To Use ◽  
Direct Impact ◽  
Factors Affecting ◽  
Strategic Plans

This study aims to identify factors affecting the intention to use online shopping apps of Vietnamese consumers. The results indicate the suitability of the theoretical model for market data. Some hypotheses in the model are also accepted. Based on theory of technology acceptance suggested in previous studies, the authors identified five out of eight tested factors that influence the intention to use online shopping apps. In particular, the results from multiple regression analysis on a dataset of 315 customers show that flexibility, habit, trust, hedonic motivation and perceived risk have a direct impact on the intention to use online shopping apps. This study is expected to provide e-commerce companies an overview of the customers who use mobile apps for online shopping and thereby allowing them to develop and improve their apps as well as design strategic plans.  

scholarly journals Cardless Banking System in Malaysia: An Extended TAM

Risks ◽  
2021 ◽  
Vol 9 (2) ◽  
pp. 41
Author(s):  
Qaisar Ali ◽  
Shazia Parveen ◽  
Hakimah Yaacob ◽  
Zaki Zaini
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Negative Impact ◽  
Positive Impact ◽  
Banking System ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Promotional Strategies

The main objective of this study is to analyse consumers’ behavioural intentions to use cardless banking technology in Malaysia. The intentions to use this technology are evaluated through an extended Technology Acceptance Model (TAM) framework. The data were collected from 447 Maybank and Hong Leong Bank customers in Selangor and Kuala Lumpur. The results show that self-efficacy (SE) had a positive impact on the perceived ease of use (PEOU), while perceived risk (PR) had a negative impact on perceived usefulness (PU) and intention to use (IU) cardless banking. Next, the perceived ease of use (PEOU) had a positive impact on perceived usefulness (PU). The results further support the idea that perceived usefulness (PU) and perceived ease of use (PEOU) had the strongest impacts on intention to use (IU). The practical implications of this study suggest that developers of cardless banking technology should introduce secure, less complicated, and easily accessible technology to improve consumers’ intentions to use. The perceived usefulness of this technology can be improved through promotional strategies and consumer training. Theoretically, this study has successfully extended TAM in the context of cardless banking technology in Malaysia. Moreover, this study will assist bankers in designing effective marketing strategies to attract more customers, which will add significant value to the overall business of the banking industry.

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