Applying the technology acceptance model to the online retailing of financial services

2006 ◽  
Vol 34 (4/5) ◽  
pp. 388-410 ◽  
Author(s):  
Sally McKechnie ◽  
Heidi Winklhofer ◽  
Christine Ennew
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Financial Services ◽  
Online Retailing ◽  
Acceptance Model

scholarly journals Adoption Intention of Fintech Services for Bank Users: An Empirical Examination with an Extended Technology Acceptance Model

Symmetry ◽  
2019 ◽  
Vol 11 (3) ◽  
pp. 340 ◽  
Author(s):  
Zhongqing Hu ◽  
Shuai Ding ◽  
Shizheng Li ◽  
Luting Chen ◽  
Shanlin Yang
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Financial Services ◽  
Latent Variables ◽  
Perceived Risk ◽  
Structural Equation ◽  
Ease Of Use ◽  
Government Support ◽  
Empirical Examination ◽  
Acceptance Model

Along with the development of Fintech, many scholars have studied how information technology is applied to financial services with a focus on extended methods for application. Few scholars have studied the influence mechanism behind the adoption of Fintech services. This paper proposes an improved technology acceptance model (TAM) that incorporates user innovativeness, government support, brand image, and perceived risk as determinants of trust to investigate how users adopt Fintech services. We designed a questionnaire, sent it to active customers of the Hefei Science and Technology Rural Commercial Bank, and obtained 387 eligible responses. We analyzed the data with a structural equation model (SEM) to test the hypotheses, including the relationships of all latent variables. The results reveal that users’ trust in Fintech services has a very significant influence on users’ attitudes for adoption. In addition, perceived ease of use and perceived risk does not affect users’ attitudes toward the adoption regarding Fintech services. This study contributes to the literature of the adoption of Fintech services by providing a more comprehensive view of the determinants of users’ attitudes by combining trust of Fintech services with TAM.

Recommendations to Buy in Online Retailing and Their Acceptance

2011 ◽  
pp. 237-252 ◽  
Author(s):  
Daniel Baier ◽  
Eva Stüber
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Online Shopping ◽  
External Factors ◽  
Specific Recommendation ◽  
Online Retailing ◽  
Shopping Experience ◽  
Acceptance Model ◽  
Online Shops ◽  
Adequate Design

Personal welcomings, individual assistance, as well as recommendations to inform and buy are becoming an integral part in online retailing. These new so-called personalization elements are assumed to increase the retailer’s share of wallet and the customer’s satisfaction. However, up to now only little is known about which external factors influence the customer’s acceptance of such personalization elements. This chapter discusses the forms of recommendations to buy and how their acceptance can be measured using the well-known Technology Acceptance Model (TAM) approach. An experiment is used, where volunteers are offered an online shopping experience with individually generated recommendations to buy. The experiment shows how high the acceptance of the generated recommendations is and how close this acceptance is connected to the quality and shopping relevance of the recommendations. Even though the results are limited to the specific recommendation types used, they give important implications for an adequate design of modern online shops.

scholarly journals Adoption of branchless banking system as part of inclusive financial services: extension of Technology acceptance model

2020 ◽  
Author(s):  
Minyahil Assefa
Keyword(s):  
Technology Acceptance ◽  
Cultural Values ◽  
Technology Acceptance Model ◽  
Financial Services ◽  
Banking System ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Sociocultural Factors ◽  
Perceived Ease Of Use ◽  
Acceptance Model

<i>The present study has extended the original technology acceptance model by adding sociocultural factors, facilitating conditions (FC), and trust constructs. The result confirmed that FC (the existence of local agents and government guaranty on banking transaction) directly affects an individual’s trust in BBS that leads to system adoption. The study also found that the effect of sociocultural factors on perceived usefulness is more substantial than its effect on perceived ease of use. Thus, the present study suggested that any elegant branchless banking system has no acceptance if it is not designed to align with the socio-cultural values of the users, specifically to their religion.</i>

scholarly journals Adoption of branchless banking system as part of inclusive financial services: extension of Technology acceptance model

2020 ◽  
Author(s):  
Minyahil Assefa
Keyword(s):  
Technology Acceptance ◽  
Cultural Values ◽  
Technology Acceptance Model ◽  
Financial Services ◽  
Banking System ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Sociocultural Factors ◽  
Perceived Ease Of Use ◽  
Acceptance Model

<i>The present study has extended the original technology acceptance model by adding sociocultural factors, facilitating conditions (FC), and trust constructs. The result confirmed that FC (the existence of local agents and government guaranty on banking transaction) directly affects an individual’s trust in BBS that leads to system adoption. The study also found that the effect of sociocultural factors on perceived usefulness is more substantial than its effect on perceived ease of use. Thus, the present study suggested that any elegant branchless banking system has no acceptance if it is not designed to align with the socio-cultural values of the users, specifically to their religion.</i>

scholarly journals Technology Acceptance Model for the Internet Banking Acceptance in Split

2019 ◽  
Vol 10 (2) ◽  
pp. 124-140 ◽  
Author(s):  
Marija Vuković ◽  
Snježana Pivac ◽  
Duje Kundid
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Financial Services ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
The Internet ◽  
Perceived Ease Of Use ◽  
Acceptance Model ◽  
The City

AbstractBackground: In today’s dynamic environment, electronic banking and electronic commerce have become an inevitable aspect of financial services, so the question of acceptance and use of this kind of technology arises.Objectives: The aim of this research is to determine whether the motivation for using the Internet banking in the city of Split, Croatia, can be explained by perceived ease of use and perceived usefulness as the main elements of the technology acceptance model.Methods/Approach: For the purposes of the research, a survey analysis was applied to the sample of 282 working residents of Split. The gender and age structure of the sample was harmonized with the population to make the results more credible. In order to test the research hypothesis, logistic regression models were used.Results: The results confirmed that both elements of the technology acceptance model significantly influence the acceptance of the Internet banking in the city of Split.Conclusions: It is concluded that demographic and economic characteristics and perception of individuals affect the acceptance and use of the Internet banking in the city of Split. The results showed that both elements of the technology acceptance model influence the acceptance of the Internet banking.

Developing and Validating a M-Governance Framework Adoption Model of a University for Communication Services to Its Affiliated Institutions

2017 ◽  
Vol 7 (7) ◽  
pp. 484
Author(s):  
E. Ramganesh ◽  
E. Kirubakaran ◽  
D. Ravindran ◽  
R. Gobi
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Public Service ◽  
Mobile Applications ◽  
Communication Technologies ◽  
Mobile Technologies ◽  
Communication Services ◽  
Governance Framework ◽  
Social And Economic Development ◽  
Acceptance Model

The m-Governance framework of auniversity aims to utilize the massive reach of mobile phones and harness the potential of mobile applications to enable easy and round the-clock access to the services of its affiliated institutions.  In the current mobile age there is need for transforming e-governance services to m-Governance as m-Governance is not a replacement for e-Governance rather it complements e-Governance. With this unparalleled advancement of mobile communication technologies, universities are turning to m-governance to realize the value of mobile technologies for responsive governance and measurable improvements to academic, social and economic development, public service delivery, operational efficiencies and active stakeholder engagement. In this context the present study, aims to develop and validate a m-governance framework of a university by extending Technology Acceptance Model (TAM) with its prime stakeholders so called the Heads of the affiliated institutions. A survey instrument was developed based on the framework and it was administered with 20 Heads of the affiliated Institutions. The results also showed that the Heads of the affiliated Institutions expressed their favorableness towards m-governance adoption.

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