Importance-performance map analysis to enhance the performance of attitude towards mobile wallet adoption among Indian consumer segments

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Deepak Chawla ◽  
Himanshu Joshi
Keyword(s):  
Technology Acceptance ◽  
Hierarchical Clustering ◽  
Internet Banking ◽  
Perceived Usefulness ◽  
General Interest ◽  
Special Focus ◽  
Content Type ◽  
Performance Map ◽  
And Performance ◽  
Map Analysis

PurposeIndia has the second highest percentage of mobile wallet adoption driven by availability of affordable smartphones and Internet. Despite a general interest, studies on its adoption have been scarce. This research assumes that user segments exist, each with their own level of maturity, and addresses the question “Are there segments which can be profiled?” Thus, the objectives of the study are to propose a model that explains the attitude of user segments towards its adoption; identify probable user segments and profile them; examine the importance and performance of constructs which influence attitude within each cluster and recommend ways to improve performance.Design/methodology/approachThis paper employs the constructs from two popular theories on technology adoption, i.e. technology acceptance model (TAM) and Unified Theory of Acceptance and Use of Technology (UTAUT). A synthesis of review of literature on these models, besides two focus group discussions (FGDs), was used to design a pilot instrument. A nationwide survey was conducted, and 744 responses were obtained. Convenience sampling was used to select the respondents. The average scores of various constructs were computed and subjected to hierarchical clustering. Further, k-means clustering was carried out. The demographic profiling of each cluster was done through cross-tabulation and differences related to attitude and intention between clusters were tracked by one-way Analysis of Variance (ANOVA). To determine the relative importance and performance of constructs within each cluster, Importance-Performance Map Analysis (IPMA) using Smart Partial Least Squares (PLS) was carried out.FindingsThe hierarchical clustering resulted in three clusters. The result of k-means clustering was used to label the clusters as Technology Enthusiasts (TE), Technology Sceptics (TS) and Technology Pragmatists (TP). The obtained clusters were found to differ in terms of perception, attitude, intention, behavior, marital status, education, occupation and income levels. With respect to each cluster, it was seen that the top three important constructs are Perceived Usefulness (PU), Security (SEC) and Lifestyle Compatibility (LC) as indicated by the IPMA. The findings indicate that mobile wallet providers should focus on all six constructs, with special focus on PU, SEC and LC. The findings of this study will help mobile wallet providers in customizing their offerings to enhance adoption attitude in all three clusters.Research limitations/implicationsThis study examines the perception of students and working professional towards mobile wallet adoption and uses this data for segmentation. However, there could be underlying differences between these two groups, as the motive behind adopting a technology may be different. Thus, treating them as homogenous user segments could be a limitation. Therefore, exploring segments and profiles for each type of user may be an area for future research. Mobile wallet providers should also give utmost importance to perceived usefulness, security and lifestyle compatibility while designing their services. This will not only enhance user trust and compatibility with mobile wallet but also improve the outcomes associated with its usage.Practical implicationsThis study will help mobile wallet providers understand the user segments and customize their service offerings.Originality/valueThis study provides a comparison of the respondent profiles of three obtained segments of mobile wallet users. While prior studies have identified segments associated with adoption of technologies like ATM banking, SMS banking, online banking, Internet banking, mobile banking etc., not much has been reported on mobile wallet adoption. To the best of the authors' knowledge, this is a novel study in India, aimed at identifying user clusters among adopters of mobile wallets and developing cluster profiles based on demographic, attitude and intention.

A modified innovation model for e-trading systems in South Korean businesses

2015 ◽  
Vol 21 (6) ◽  
pp. 1319-1336
Author(s):  
Ka Young Oh ◽  
Lorraine Warren
Keyword(s):  
Technology Acceptance ◽  
Business Performance ◽  
Perceived Usefulness ◽  
Trading System ◽  
Content Type ◽  
Trading Systems ◽  
System Usage ◽  
South Korean ◽  
And Performance ◽  
Latent Mean Analysis

Purpose – The purpose of this paper is to explore the adoption, use, and performance of e-trade systems in South Korean businesses. Design/methodology/approach – The authors developed a modified Technology Acceptance Model extended through resourced-based view theory, to address the performance aspect, hitherto neglected in previous studies. Using the new model, 114 businesses were surveyed, measuring relationships between perceived usefulness, perceived ease of use, e-system usage, and business performance. Latent mean analysis was performed to examine the moderating effects of high and low e-trading system usage. Findings – Through latent mean analysis, the authors determined that the influence of variables varies depending on the level of e-trading system usage. In both the high and low usage groups, perceived convenience influenced reuse of e-trading systems and reuse also had effects on business performance. Research limitations/implications – The authors only examined Korean enterprises, so it would be useful to also examine the foreign counterparts in international e-trade transactions. Follow-up studies could examine how the dynamics of the sector change over time. Qualitative case study approaches could better understand the perspectives of firms in relation to management strategy formulation and decision making. Practical implications – The results provide important insight for managers and policymakers concerned with developing electronic trading system strategies, and e-trading system contexts. Originality/value – Although many studies have explored relationships among perceived advantages, such as usefulness and convenience and use and performance, none have investigated the relationship between usage and business performance targeting e-trading systems.

Intention to adopt internet banking in an emerging economy: a perspective of Indian youth

2015 ◽  
Vol 33 (4) ◽  
pp. 530-544 ◽  
Author(s):  
Rambalak Yadav ◽  
Vikas Chauhan ◽  
Govind Swaroop Pathak
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Internet Banking ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Actual Behavior ◽  
Content Type ◽  
Intention To Adopt ◽  
Indian Context ◽  
Young Consumers

Purpose – The purpose of this paper is to understand the consumer’s intention toward internet banking adoption in Indian context by combining two theories; theory of planned behavior (TPB), technology acceptance model (TAM) and an additional construct, i.e. perceived risk. Design/methodology/approach – A questionnaire based survey was conducted to collect responses from young consumers (210 usable responses). Data were analyzed using structural equation modeling to evaluate the strength of relationship. Findings – The result shows that perceived usefulness, attitude, subjective norm and perceived behavioral control significantly influences the consumer’s intention to adopt internet banking whereas perceived risk failed to show any significant influence over intention to adopt internet banking. Research limitations/implications – The study is limited to young consumers (i.e. professional students) only. Further, the study concerns itself with consumer’s intention not actual behavior. Practical implications – The finding will be useful for bank officials for devising strategies and policies related to internet banking in the Indian scenario. Originality/value – The paper is one of the initial attempts in Indian context to understand the consumer’s intention to adopt internet banking by combining TPB and TAM theories.

Econometric investigation of internet banking adoption in Greece

2014 ◽  
Vol 41 (4) ◽  
pp. 586-600 ◽  
Author(s):  
Georgia Giordani ◽  
Christos Floros ◽  
Guy Judge
Keyword(s):  
Technology Acceptance ◽  
Internet Banking ◽  
Demographic Characteristics ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Previous Experience ◽  
Perceived Ease Of Use ◽  
Banking Services ◽  
Content Type ◽  
Internet Banking Services

Purpose – The purpose of this paper is to examine if high branch fees, branch dissatisfaction as well as any previous experience of Greek banking customers with other banking technologies (i.e. Automated Teller Machines (ATMs)) have any impact on the probability of internet banking adoption. Further, the authors comment on the socio-economic and demographic characteristics of Greek banking customers, which effect the decision to adopt internet banking services. Design/methodology/approach – The authors employed the logistic regression model to examine the probability of Greek customers adopting internet banking based on certain demographic characteristics but also due to high branch fees, any dissatisfaction with branch services or due to previous experience of electronic banking technologies (ATMs). Findings – After estimating a logistic model, the authors report that branch dissatisfaction and high branch fees have no impact to the internet banking adoption in Greece, therefore Greek customers prefer to visit branches and are willing to pay high fees for the transactions. However, the authors find that ATM users are more likely to adopt internet banking services in Greece. Research limitations/implications – The authors should employ a technology acceptance model, to test the effect of perceived ease-of-use, perceived usefulness and technology self-efficacy of customers on the probability of e-banking adoption. The authors should also examine other hypotheses using recent data from other European countries and compare the results with those from Greece. Practical implications – The findings are strongly recommended to Greek bank managers. Originality/value – The research is primarily motivated by the lack of similar studies to explain empirically the characteristics of Greek bank customers which affect the adoption of internet banking.

An analysis of business’ acceptance of internet banking: an integration of e-trust to the TAM

2016 ◽  
Vol 31 (8) ◽  
pp. 982-994 ◽  
Author(s):  
Kaouther Ben Mansour
Keyword(s):  
Technology Acceptance ◽  
Relevant Literature ◽  
Developed Countries ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Content Type ◽  
Four Dimensions ◽  
Professional Credibility ◽  
Managerial Implications

Purpose The purpose of this research is to provide insights into the determinants of businesses’ internet banking acceptance. It attempts to address a research need for extending the technology acceptance model (TAM) by adding contextual variables. As trust has never failed to be a significant predictor in e-commerce research, this study proposes to integrate trust into the TAM to get a better understanding of business e-banking adoption. Design/methodology/approach A research model reflecting the effect of e-trust dimensions on TAM constructs is proposed. Based on relevant literature, a questionnaire was designed and administrated to 102 business managers through a Web survey. A structural modelling analysis was applied. Findings The results confirm the dimensions and relations of the TAM. Moreover, two main trust dimensions – integrity and credibility – positively influence perceived usefulness and exert both a direct and an indirect positive effect on attitude towards business’ internet banking adoption and behavioural intention. Practical implications The managerial implications of the study are that Tunisian banks should consider influencing internet banking behaviour not only by developing ease of use and usefulness beliefs, but also by promoting professional credibility and integrity. They should, also, try to attract business users by focusing on and communicating the integrity and the credibility of the bank and highlight the ways in which these concerns have been ensured. Originality/value This study supplies the valuable integration of trust to the TAM. It reveals that extended TAM could be used to provide a solid theoretical foundation of business’ acceptance of internet banking. In this study, trust construct is measured through a multidimensional scale including four dimensions (benevolence, credibility, integrity and orientation to resolve problems). Moreover, this study focused on an emergent country, Tunisia, whereas most studies in the literature concentrate on research cases of developed countries.

scholarly journals Recruiting on the Net: insights for employers from prospective employees

2022 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Md Sohel Chowdhury
Keyword(s):  
Technology Acceptance ◽  
Perceived Value ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Special Focus ◽  
Content Type ◽  
Corporate Websites ◽  
The Impact ◽  
Value Fit

PurposeDrawing on the signaling theory and technology acceptance model, the main purpose of this study was to predict prospective employees' intentions to apply for jobs in a firm, with a special focus on the mediating role of attitudes toward corporate websites and the moderating role of perceived value fit.Design/methodology/approachCollecting data from a convenient sample of 318 prospective job candidates, the research hypotheses were tested using structural equation modeling (SEM) with AMOS (version 24) and SPSS Process Macro (version 3.4).FindingsThe test results revealed that prospective employees' attitudes toward corporate websites partially mediate the association of corporate reputations, perceived ease of use and perceived usefulness with their intentions to apply for jobs in an organization. Noticeably, perceived value fit moderated the perceived usefulness–application intentions link in such a way that the impact of perceived usefulness on intentions to apply appears higher for individuals with a low level (than a high level) of perceived value fit.Research limitations/implicationsConsistent with the research findings, a notable theoretical contribution and practical implications for HR professionals have been discussed. This paper ends with outlining some limitations and future research directions.Originality/valueDespite having the salient buffering effects of perceived value fit on the applicant attraction process, empirical study on this theoretical phenomenon is still sparse in a pre-employment context. This may be the first study that demonstrates under what circumstances prospective employees' job pursuit intentions could be optimized in respect of their perceived value fit within a single framework comprised of two theories.

Identification of key variables and constructs in the context of wine tasting room: importance-performance analysis

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Matti Haverila ◽  
Kai Haverila ◽  
Jenny Carita Twyford
Keyword(s):  
Service Quality ◽  
Structural Equation ◽  
Content Type ◽  
Equation Modelling ◽  
Analysis Instrument ◽  
Indicator Variables ◽  
Performance Map ◽  
Key Variables ◽  
And Performance ◽  
Map Analysis

Purpose Relying on importance–performance theory, this paper uses a distinctive statistical analysis instrument to investigate the importance and performance of crucial wine tasting room constructs and indicators with a purpose to make real and tangible recommendations for wine tasting room managers to improve the winery visit experience. Design/methodology/approach The surveys (N = 402) were conducted among 14 wineries in British Columbia, Canada. The data was analysed by using partial least squares structural equation modelling software SmartPLS with importance–performance functionality embedded in it. Findings The findings indicate the importance and performance of the service quality constructs, assurance, empathy, reliability, responsiveness, and tangibility and their respective indicator variables in importance–performance map analysis (IPMA). The responsiveness construct showed the highest need for improvement in terms of performance of exogenous service quality constructs in wine tasting rooms. Empathy, value for money and reliability constructs got “no change” recommendation and “tangibility” and “education” recommendation. The assurance construct was not significantly related to customer satisfaction and was not included in the IPMA analysis. Originality/value The approach provides an easy to use and visual tool for wineries to assess the importance and performance of the various service quality elements. The tool provides the management of wineries guidance for the identification of strategic areas of service quality improvement.

Electronic procurement adoption, usage and performance: a literature review

2020 ◽  
Vol 11 (4) ◽  
pp. 515-535
Author(s):  
Sunil Nandankar ◽  
Amit Sachan
Keyword(s):  
Literature Review ◽  
Technology Acceptance ◽  
Systematic Literature Review ◽  
Perceived Usefulness ◽  
System Level ◽  
Organizational Level ◽  
Future Research ◽  
Content Type ◽  
Electronic Procurement ◽  
And Performance

Purpose Despite the substantial research in the domain of electronic procurement adoption, usage and performance (EP AUP), there is no structured review of these studies and most of the literature is in fragmented form. Therefore, the purpose of this paper is to investigate and synthesize EP AUP research in the past two decades and map key research approaches, prevailing theories and antecedents used by researchers to study EP AUP at the individual user and organizational level. Design/methodology/approach To evaluate and comprehend past and current patterns/themes in the EP AUP research area, a systematic literature review is undertaken. Significant peer-reviewed studies covering three categories – adoption, usage and performance and seven classification criteria are critically reviewed. Findings The findings reveal that most investigators mainly used “technology acceptance model,” “technology–organization–environment” framework and their extensions, demonstrating that “perceived ease of use,” “perceived usefulness,” “trust,” “organizational size,” “organizational readiness” and “behavioral intentions” are the most critical drivers of EP AUP. Research limitations/implications For researchers and practitioners, the review highlights a taxonomy of contextual factors to be considered for successful EP AUP. It further makes suggestions for future research meeting challenges of Industry-4.0. Originality/value To the best of the authors’ knowledge, this is the first systematic literature review undertaken in the field of EP that studies it from three different perspectives. It further builds on the determinants of EP AUP and classifies them in four distinct categories: organizational, individual, information system level and environmental.

Analyzing the impact of consumer innovativeness and perceived risk in internet banking adoption

2019 ◽  
Vol 37 (1) ◽  
pp. 323-339 ◽  
Author(s):  
Vikas Chauhan ◽  
Rambalak Yadav ◽  
Vipin Choudhary
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Structural Model ◽  
Measurement Model ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Content Type ◽  
Intention To Adopt ◽  
The Impact

PurposeThe purpose of this paper is to understand consumers’ intention to adopt internet banking. The study adopted the technology acceptance model with additional constructs (i.e. consumer innate innovativeness (II), domain-specific innovativeness (DSI) and perceived security risk (PR)).Design/methodology/approachThe data were collected through a questionnaire-based survey (487 usable responses) from Indian consumers. A two-step SEM approach (i.e. measurement model and structural model) was used to analyze the data.FindingsThe findings show the significant positive influence of perceived usefulness, ease of use, attitude, II and DSI on consumer’s intention to adopt internet banking. The PR was found to have a significant negative influence on consumers’ intention to adopt internet banking, and DSI was found to negatively influence PR.Research limitations/implicationsThe study is limited to users of a particular region of India. Furthermore, the study limits itself in determining consumers’ intention only, not actual usage.Originality/valueThe study is a preliminary attempt to examine consumer’s intention to adopt internet banking in India by analyzing innovativeness and perceived risk.

Extending a TAM–TTF model with perceptions toward telematics adoption

2019 ◽  
Vol 31 (1) ◽  
pp. 37-54 ◽  
Author(s):  
Nai-Hua Chen
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Performance Gap ◽  
Content Type ◽  
Driving Experience ◽  
Negative Perceptions ◽  
Perceived Enjoyment ◽  
And Performance

Purpose The purpose of this paper is to examine a framework integrating the technology acceptance model (TAM), individuals’ task–technology fit (TTF) and perceptions toward adopting automobile telematics devices. Design/methodology/approach This study integrated the TAM with TTF to understand individual perceptions of a technology’s value. In addition, the intrinsic motivational factors toward technology usage, including positive perceptions (perceived enjoyment, personal innovation and perceived uniqueness) and negative perceptions (perceived risk and performance gap), were considered in the model. Furthermore, the moderating effect of driving experience was examined. Findings The perceived usefulness (PU) of telematics as well as perceived ease of use (PEOU) affected drivers’ adoption intentions. PEOU had a greater effect on adoption intentions than PU, and technology characteristics had a greater effect on TTF than task characteristics. Moreover, individuals’ perceptions of perceived enjoyment and uniqueness affected PU and PEOU. The negative perceptions of perceived risk and performance gap affected PU and PEOU, respectively. Furthermore, driving experience significantly weakened the relationship between PU and intentions. Originality/value Telematics is a niche market due to the development of the Internet of Things, but users’ adoption intentions remain unknown. This study constructed a more comprehensive model and tested the impacts of certain variables on telematics adoption, with driving experience as a crucial moderator.

Understanding users’ behavioral intention to use voice assistants on smartphones through the integrated model of user satisfaction and technology acceptance: a survey approach

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Mine Bertan Yılmaz ◽  
Kerem Rızvanoğlu
Keyword(s):  
Regression Analysis ◽  
Technology Acceptance ◽  
Behavioral Intention ◽  
User Satisfaction ◽  
Integrated Model ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
System Quality ◽  
Content Type ◽  
Behavioral Intention To Use

Purpose This study aims to determine system quality (SQ) and information quality (IQ) characteristics of voice assistants (VA) on smartphones that are affecting users’ satisfaction and technology acceptance, and how these affect behavioral intention (BI) to use. Design/methodology/approach This study uses the integrated model of user satisfaction and technology acceptance to evaluate users’ behavioral intention to use VAs on smartphones. The model represents a causal chain from the key characteristics of SQ and IQ to beliefs and attitudes that ultimately affect use. An online survey was conducted with 75 university students, and the data was analyzed using multivariate analysis: Simple linear regression analysis and multiple regression analysis. Findings While SQ and IQ of VAs had stronger effects on perceived ease of use (PEU), information satisfaction and PEU showed significant influences on perceived usefulness (PU). The results supported the influence of PEU, PU, and attitude on BI to use but with lesser effect than what PU and attitude together had on BI. Research limitations/implications The sample was drawn from a population of students at a single and small university. Although this study received 160 responses, only 75 were appropriate for analysis. Originality/value There is no research, which adopts technology acceptance and user satisfaction approaches to VAs. To measure the causal effects, this study determined system and information characteristics that could explain SQ and IQ of the current VAs on smartphones. This study tested the proposed framework within the scope of the integrated approach.

Sign in / Sign up

Export Citation Format

Share Document