Challenges of adoption of internet banking service in Yemen

2015 ◽  
Vol 33 (2) ◽  
pp. 178-194 ◽  
Author(s):  
Ali Saleh Al-Ajam ◽  
Khalil Md Nor
Keyword(s):  
Structural Equation Modeling ◽  
Behavioral Intention ◽  
Perceived Risk ◽  
Structural Equation ◽  
Internet Banking ◽  
Relative Advantage ◽  
Equation Modeling ◽  
Content Type ◽  
Banking Service ◽  
Paper Survey

Purpose – The purpose of this paper is to determine the factors that influence individuals’ intention to adopt internet banking in the Republic of Yemen. The current study found that a lack of empirical studies have been conducted in this field in Arab countries, in general, and in Yemen, in particular. Design/methodology/approach – The theory of reasoned action (TRA) was extended by relative advantage, perceived risk, mass media, family’s influence, innovativeness, skepticism and technology readiness (TR). Paper survey was used to collect data from 1,500 bank customers. Structural equation modeling was employed to investigate the relationships between variables. The TRA was extended by relative advantage, perceived risk, mass media, family’s influence, innovativeness, skepticism and TR. Paper survey was used to collect data from 1,500 bank customers. Structural equation modeling was employed to investigate the relationships between variables. Findings – Customer’s behavioral intention was significantly influenced by attitude, subjective norms and TR. Overall, the results indicate that the model provides a good understanding of factors that influence the intention to use internet banking service. The model explained 63.8 percent of the variance in the behavioral intention. Practical implications – The findings are of great use to banks already offering internet banking but of even greater use for those banks which are planning to offer internet banking services. The results of the study could serve as a guideline for bank managers in understanding the factors and strategic market planning that needs to be initiated to increase internet banking adoption among current and potential customers. Originality/value – Factors such as perceived usefulness, perceived ease of use and relative advantage have been found to be the determinants of internet banking adoption in previous studies. Along with the above variables, a new variable called TR has been analyzed in the present study. This kind of study has not been conducted in the Middle East context previously.

scholarly journals Investigasi Faktor Yang Mempengaruhi Behavioral Intention Pada Pengguna Grab Bike

2019 ◽  
Vol 3 (2) ◽  
pp. 94
Author(s):  
Sulaiman Sulaiman ◽  
Zainal Abidin ◽  
Suharno Suharno
Keyword(s):  
Structural Equation Modeling ◽  
Behavioral Intention ◽  
Perceived Risk ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Software Analysis

Tujuan penelitian ini mengetahui pengaruh behavioral intention (BI) terhadap transportasi online grab bike dengan menggunakan variabel trust, perceived ease of use (PEOU), perceived risk (PR) dan perceived usefulness (PU). Sebanyak 161 orang menjadi responden dalam penelitian ini dengan cara mengisi kuesioner. Data yang diperoleh kemudian dianalisis menggunakan alat analisis Structural Equation Modeling (SEM) dengan menggunakan software analysis of moment structure (AMOS). Setelah dilakukan penelitian diperoleh hasil bahwa PR berpengaruh signifikan terhadap trust, PEOU  berpengaruh signifikan terhadap trust, PU berpengaruh signifikan terhadap trust. Begitu pula pengaruh PR signifikan terhadap behavioral intention, PEOU, PU signifikan terhadap behavioral intention, serta trust signifikan terhadap behavioral intention.

scholarly journals User Acceptance of Internet of Vehicles Services: Empirical Findings of Partial Least Square Structural Equation Modeling (PLS-SEM) and Fuzzy Sets Qualitative Comparative Analysis (fsQCA)

2020 ◽  
Vol 2020 ◽  
pp. 1-22
Author(s):  
Yikai Liang ◽  
Guijie Zhang ◽  
Feng Xu ◽  
Weijie Wang
Keyword(s):  
Structural Equation Modeling ◽  
Behavioral Intention ◽  
Perceived Risk ◽  
Structural Equation ◽  
Trust Model ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Future Market ◽  
Initial Trust

Recently, IoV-based services and vehicles have come to the forefront as part of the growing market for the automobile industry. Since IoV-based services and vehicles were introduced, they have been expected to grow rapidly. However, contrary to optimistic expectations for future market growth, the IoV-based services and vehicles market has appeared to hit a roadblock and remains at an early market stage. Therefore, research of the determinants leading to consumers’ intention to accept and purchase IoV-based services and vehicles is significant for either academics or practitioners. Drawing upon the extended unified theory of acceptance and use of technology acceptance model (UTAUT2), the perceived risk theory, and the initial trust model, we developed an integrated conceptual model and explored what and how various determinant antecedent conditions fit together on consumer intention to accept IoV-based services and vehicles. The proposed model and hypotheses were assessed by both symmetric (partial least square structural equation modeling, PLS-SEM) and asymmetric (fsQCA) approaches using online survey datasets with 362 Chinese consumers. The findings suggest that PLS-SEM and fsQCA are complementary analytical techniques providing comparable results. PLS-SEM results indicate that performance expectancy, price value, habit, and initial trust have significant effects on behavioral intention to accept IoV services. Despite other determinants, e.g., effort expectancy, social influence, facilitating conditions, hedonic motivation, and perceived risk, have no significant effect. FsQCA results reveal twelve different configurations of determinants resulting in a high level of behavioral intention to accept IoV services, and eight causal paths equifinally leading to the negation of behavioral intention to accept IoV services. These findings suggest that several conditions that were not significant in PLS-SEM are sufficient conditions when combined with other conditions. This study enriches relevant research studies on IoV-based services acceptance and provides relevant insights and marketing suggestions for incentivizing consumers to accept the IoV-based services.

Catch me if you can: effects of AR-enhanced presence on the mobile game experience

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Jihye Park ◽  
Dongwoo Ko
Keyword(s):  
Structural Equation Modeling ◽  
Behavioral Intention ◽  
Structural Equation ◽  
Service Providers ◽  
Equation Modeling ◽  
Content Type ◽  
Consumer Responses ◽  
Mobile Game ◽  
Positive Effects ◽  
Mobile Ar

PurposeThe purpose of the present research was to examine the effects of content, spatial, temporal and social presences stimulated by augmented reality (AR) technology on game enjoyment and continuing behavioral intention.Design/methodology/approachA total of 355 mobile AR game players participated in an online survey posted via the nationwide crowdsourcing web service in the US. A structural equation modeling was conducted using a maximum-likelihood estimation procedure to test the relationships among the variables.FindingsResults of structural equation modeling revealed the mechanism through which multiple dimensions of presence on the mobile AR game generated positive effects on consumer responses and showed the effects of four dimensions of presence stimulated by the AR technology on game enjoyment, performance and behavioral intention. Content, spatial, temporal and social presences are integrated to create a sense of realness. These dimensions of presence simultaneously increased game enjoyment that influenced the perceived game performance, commitment to it and ultimately the intention to play other mobile AR games.Originality/valueAlthough AR technology brings a unique experience to the game player, research on the effects of its use in mobile games on consumer responses is currently limited. The results of this study add value to the existing mobile game literature and provide practical insights for mobile game service providers on how to enhance players’ game enjoyment and continuing behavior.

Factors affecting adoption of internet banking in Jordan

2015 ◽  
Vol 33 (4) ◽  
pp. 510-529 ◽  
Author(s):  
Awni Rawashdeh
Keyword(s):  
Technology Acceptance ◽  
Behavioral Intention ◽  
Structural Equation ◽  
New Technologies ◽  
Internet Banking ◽  
Cross Sectional Study ◽  
Ease Of Use ◽  
Equation Modeling ◽  
Cross Sectional ◽  
Content Type

Purpose – The purpose of this paper is to investigate the Jordanian accountant’s behavioral intention of using the Internet Banking services to focus on the perceptions of the users in terms of usefulness and ease of use of Internet Banking, besides the privacy of using this dynamic technology for meeting their banking requirements. Design/methodology/approach – The questionnaire on Internet Banking was specifically designed and used to survey a randomly selected sample of Jordanian accountants from the web site of the Jordan Association of Certified Public Accountants and 298 usable responses were obtained. The data were analyzed using SPSS and AMOS (structural equation modeling). Findings – The results of this analysis support the extended Technology Acceptance Model (TAM) as well as confirm its robustness for predicting the behavioral intention of the adoption of Internet Banking by the Jordanian chartered accountants. Research limitations/implications – During a period when quick changes are taking place, new technologies are entering the market every day, resulting in a cross-sectional study which cannot be generalized perfectly. Practical implications – The findings offered useful information for the bank management in order to formulate marketing strategies for Internet Banking. Originality/value – This study has contributed to the literature available as it formulated and validated an extended TAM for predicting the adoption of Internet Banking.

scholarly journals CONSUMERS’ PARSIMONY OF MOBILE INTERNET BANKING USAGE IN MALAYSIA

2019 ◽  
Vol 7 (1) ◽  
pp. 239-248
Author(s):  
Lim Foo-Wah ◽  
A. Fakhrorazi ◽  
Rabiul Islam
Keyword(s):  
Structural Equation Modeling ◽  
Perceived Risk ◽  
Structural Equation ◽  
Internet Banking ◽  
Mobile Internet ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Personal Finances

Purpose of the Study: The objective of this study is to empirically investigate the determinants of the adoption of mobile Internet Banking in Malaysia. However, the slow growth of mobile Internet banking usage as comparison to online Internet Banking increases the concern on the adoption and parsimony issues of mobile Internet banking (MI-Banking) usage in managing personal finances and banking activities. Methodology: Self-administered survey was applied and analyzed by using V-Base structural equation modeling. The responses of 358 respondents were analyzed by using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) technique. Results: The findings of this study revealed that perceived ease of use, perceived usefulness, and perceived risk significantly influenced the adoption of mobile internet banking, while perceived ease of use was found to have the greatest influence on the overall adoption of mobile internet banking. At the same token, perceived ease of use was found to have a significant influence on perceived usefulness. Implications: The application of mobile internet services has increased and mobile phones are becoming significant tools for managing and controlling personal finances and spending. Thus, a study was conducted to seek clarification on the predictors of mobile Internet banking adoption among Malaysians that will embark further and deeper studies in the context of mobile Internet Banking.

Influential factors of Islamic insurance adoption: an extension of theory of planned behavior

2019 ◽  
Vol 11 (6) ◽  
pp. 1497-1515 ◽  
Author(s):  
Syed Ali Raza ◽  
Rehan Ahmed ◽  
Muhammad Ali ◽  
Muhammad Asif Qureshi
Keyword(s):  
Structural Equation Modeling ◽  
Theory Of Planned Behavior ◽  
Planned Behavior ◽  
Purchase Intention ◽  
Structural Equation ◽  
Partial Least Square ◽  
Relative Advantage ◽  
Equation Modeling ◽  
Content Type ◽  
Islamic Insurance

Purpose The role of insurance is a backbone for consumers to secure their future. It is important to know where to invest and what are the benefits. Therefore, for the Muslim segment, Islamic insurance system provides Riba (interest)-free environment where consumers invest their money and recover their losses according to sharia. This paper aims to examine the determinants that influence purchase intention of consumers toward Islamic insurance (Takaful) adoption in Pakistan with the help of the modified theory of planned behavior (TPB). Design/methodology/approach The authors added four specific variables related to Islamic sharia compliance in the conventional form of the TPB. The relationship among the variables is assessed by using partial least squares structural equation modeling, while the data are collected from 305 respondents. Findings The results suggest that attitude, subjective norm and perceived behavioral control are strong predictors of an Islamic insurance adoption in Pakistan. Moreover, factors such as compatibility, relative advantage and awareness have positive and significant impacts on takaful participation. A negative but insignificant relation is found between perceived risk and intention. Practical implications This paper provides insight for understanding the factors that lead to consumers' purchase intention of Islamic insurance. Originality/value This paper makes a unique contribution to the literature with reference to Pakistan, being a pioneering attempt to investigate the factors of Islamic insurance adoption by modifying the TPB and applying more rigorous statistical techniques like confirmatory factor analysis (CFA) and partial least square structural equation modeling.

Determinants of consumers’ intention to use credit card: a perspective of multifaceted perceived risk

2020 ◽  
Vol 4 (3) ◽  
pp. 105-120
Author(s):  
Hoang Nam Trinh ◽  
Hong Ha Tran ◽  
Duc Hoang Quan Vuong
Keyword(s):  
Structural Equation Modeling ◽  
Perceived Risk ◽  
Credit Card ◽  
Structural Equation ◽  
Credit Cards ◽  
Equation Modeling ◽  
Intention To Use ◽  
Content Type ◽  
Risk Dimensions ◽  
Intended Use

Purpose The purpose of this study is to develop a theoretical model for consumer behavioral intention by integrating the technology acceptance model (TAM) and the theory of perceived risk, which is tested on the intended use of credit cards in Vietnam. Design/methodology/approach The data were collected from 485 bank customers through a nationwide online survey. An exploratory and confirmatory factor analyzes were performed to validate the factor structure of the measurement items while structural equation modeling was used to validate the proposed model and testing the hypotheses. Findings The results of structural equation modeling reveal that perceived risk, perceived usefulness, social influence and perceived ease of use were significant determinants of consumer intention to use a credit card. Of them, only perceived risk discouraged the intended use of a credit card, which was synthesized from psychological, financial, performance, privacy, time, social and security risk. Research limitations/implications This study measured the first-order risk dimensions based on the payment function of the credit card only; these measurements missed potential losses relevant to credit function of credit cards. Practical implications This study can be beneficial to banks enacting policies to attract more consumers and to help decide how to allocate resources to retain and expand their customer base. Originality/value The study adds value to the literature on consumer behavior by confirming the impact of second-order perceived risk on the intended use of credit cards, which most previous studies have not demonstrated. The research also provides an empirical evidence to the academic research platform on e-banking services in Vietnam, especially related to the credit card industry.

Value or image? The effects of restaurant–supplier co-creation on consumers' behavioral intentions

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Venessa Chan Lyu ◽  
José Luis Roldán ◽  
Wynne Chin ◽  
Vincent Liu ◽  
Congdong Li
Keyword(s):  
Structural Equation Modeling ◽  
Behavioral Intention ◽  
Behavioral Intentions ◽  
Structural Equation ◽  
Value Theory ◽  
Equation Modeling ◽  
Food Ingredient ◽  
Content Type ◽  
Value Perception

PurposeHighlighting supplier collaboration is a widely adopted practice in tea shops, cafes and other related businesses. However, few studies have examined the effects of supplier-focused food ingredient presentation on consumers' behavioral intentions in food and hospitality research. This study identified the role of restaurant–supplier co-creation and explored its effects on clients' behavioral intention through both value perception and image.Design/methodology/approachThis study developed and tested a model through a survey with 365 responses, which was carried out in China. The measurement and effects of restaurant–supplier co-creation are explored using composite-based structural equation modeling.FindingsThe results show that restaurant–supplier co-creation has a positive effect on perceptions of food value, service value and image. Though restaurant–supplier co-creation does not directly affect behavioral intention, it can enhance behavioral intention by improving customers' impressions.Originality/valueThis study contributes to the emerging literature by conceptualizing the role of restaurant–supplier co-creation. The research combines image theory and perceived value theory in one empirical model to explore the effects of co-creation. The project provides a paradigm for designing technical artifacts using composite-based structural equation modeling.

Teachers' digital technology access to motivation, skills and use: a structural equation modeling study

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Akhmad Habibi ◽  
Mohd Faiz Mohd Yaakob ◽  
Amirul Mukminin ◽  
Muhaimin Muhaimin ◽  
Lantip Diat Prasojo ◽  
...  
Keyword(s):  
Structural Equation Modeling ◽  
Digital Technology ◽  
Structural Equation ◽  
Structural Model ◽  
Teaching Experience ◽  
Equation Modeling ◽  
Technology Access ◽  
School Location ◽  
Content Type ◽  
Instructional Use

PurposeThe current study aimed to develop and validate a scale to model factors affecting digital technology access for instructional use. The scale was mainly used to assess the structural model. Besides, tests of difference were addressed regarding digital technology access for instructional use based on gender, teaching experience and school location.Design/methodology/approachThe authors implemented a survey design in this study. A scale based on prior studies was developed, validated and piloted. The pilot study data were computed for an exploratory factor analysis. Further, partial least squares structural equation modeling (PLS-SEM) and t-test procedures were used for the main data analysis (n.2677). The authors also included the importance-performance map analysis to extend of the results of the PLS-SEM.FindingsThe findings of the study successfully assessed the validity and reliability of the scale. All hypothetical relationships in the structural model were positively significant. The t-test results show that teaching experience and school location were significantly different regarding instructional use access; however, an insignificant difference emerged based on gender.Practical implicationsFailure in technology integration is possible if policies have not been carefully prepared. Therefore, users' perception is an essential factor in determining technology integration, including access to digital technology.Originality/valueThis research has the potential to enhance the understanding of access to digital technology in the context of developing countries by the elaboration of the proposed model's instrument development and validation, path analysis assessment and difference test examination with a large sample size. Also, the current study emphasizes the importance of raising awareness about digital technology access that the model can facilitate a valid and reliable foundation for future researchers interested in conducting similar types of research.

Should I suggest this YouTube clip? The impact of UGC source credibility on eWOM and purchase intention

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Mazzini Muda ◽  
Muhammad Iskandar Hamzah
Keyword(s):  
Social Media ◽  
Structural Equation Modeling ◽  
Purchase Intention ◽  
Structural Equation ◽  
Word Of Mouth ◽  
Source Credibility ◽  
Equation Modeling ◽  
Content Type ◽  
The Social ◽  
The Impact

PurposeIn spite of the increasing organic and interactive marketing activities over social media, a general understanding of the source credibility of voluntary user-generated content (UGC) is still limited. In line with the social identity theory, this paper examines the effects of consumers' perceived source credibility of UGC in YouTube videos on their attitudes and behavioral intentions. Additionally, source homophily theory is included to predict the antecedent of source credibility.Design/methodology/approachThree hundred and seventy two Generation Y respondents were interviewed using snowball sampling. Data were analyzed with component-based structural equation modeling technique of partial least squares-structural equation modeling (PLS-SEM).FindingsFindings confirmed that perceived source credibility indirectly affects purchase intention (PI) and electronic word-of-mouth via attitude toward UGC. Besides, perceived source credibility mediates the effect of perceived source homophily on attitude toward UGC.Practical implicationsSince today's consumers have begun to trust and rely more on UGC than company-generated content on social media when making purchase decisions, companies may reconsider democratizing certain aspects of their branding strategies. Firms may fine-tune their marketing communication budgets – not only just by sponsoring public figures and celebrities but also by nurturing coproductive engagements with independent content creators who are ordinary consumers. Endowed with their imposing credibility, these micro-influencers and prosumers have high potentials to be uplifted to brand ambassadors.Originality/valueWhile consumers' purchase outcome can be measured easily using metrics and analytics, the roles of source homophily in stages leading up to the purchase is still elusive. Drawing on the rich theoretical basis of source homophily may help researchers to understand not only how credibility and attitude are related to PI but also how this nexus generates positive word of mouth among UGC followers within the social media circles.

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