M-payment adoption for bottom of pyramid segment: an empirical investigation

2019 ◽  
Vol 37 (1) ◽  
pp. 362-381 ◽  
Author(s):  
Mehdi Hussain ◽  
Abu Taher Mollik ◽  
Rechel Johns ◽  
Muhammad Sabbir Rahman
Keyword(s):  
Structural Equations ◽  
Service Firms ◽  
Content Type ◽  
Banking Service ◽  
Use Of Technology ◽  
Bottom Of Pyramid ◽  
Confirmatory Factor ◽  
Effort Expectancy ◽  
Facilitating Conditions ◽  
Practical Implications

PurposeThe purpose of this paper is to examine m-payment adoption for the bottom of pyramid (BoP) segment in a developing country context.Design/methodology/approachA questionnaire was distributed to 247 BoP customers in Bangladesh. Data were analysed by employing confirmatory factor analysis and Structural Equations Modelling.FindingsThe results show that performance expectancy (PE), effort expectancy (EE), facilitating conditions (FC), habit and social influence (SI) significantly influence the BoP segment’s behavioural intention (BI). It is revealed that PE, lifestyle compatibility (LC), SI and habit have relatively stronger effects being higher predictor of intentions. Again EE and FC have relatively lower effects on m-payment BI. On the other hand, hedonic motivation (HM) and price value (PV) are two non-significant predictors of m-payment adoption.Practical implicationsThe study recommends that financial institutions, such as banks and other non-banking service firms, need to know the antecedents affecting BI suggested by the unified theory of acceptance and use of technology (UTAUT2) theory along with “LC”. This will increase m-payment adoption for the BoP segment in developing countries.Originality/valueTo the extent of researcher’s knowledge, none of the previous studies using the UTAUT2 theory to examine m-payment adoption for BoP segment. This study contributes empirical data to the predominantly theoretical literature by offering a deeper understanding of the inclusion of LC, which is one of the significant antecedents in explaining BoP segment’s m-payment adoption.

What determines tourist adoption of smartphone apps?

2018 ◽  
Vol 9 (1) ◽  
pp. 50-64 ◽  
Author(s):  
Anil Gupta ◽  
Nikita Dogra ◽  
Babu George
Keyword(s):  
Perceived Risk ◽  
Smartphone Apps ◽  
Content Type ◽  
Factors Affecting ◽  
Perceived Trust ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Usage Behavior ◽  
Facilitating Conditions ◽  
Practical Implications

Purpose This study aims to identify factors affecting tourists’ intention of using travel apps installed in their smartphones. Design/methodology/approach A questionnaire was developed largely based on the available scales in the published literature. A total of 389 participants responded to the survey, out of which 343 valid responses were obtained for statistical analysis. Findings Significant predictors of smartphone app usage intention included performance expectancy, social influence, price saving, perceived risk, perceived trust and prior usage habits. Usage behavior was largely mediated by usage intention, except in the case of habits. Contrary to the expectation, factors such as hedonistic motivation, facilitating conditions or effort expectancy did not impact usage intention or behavior. Practical implications The study gives app developers vital cues on tourist expectations from the apps. Oftentimes, developers tend to focus entirely on the material utility of their apps, neglecting every other factor influencing use. One particular implication is that despite tourism being a hedonistic activity, travel app usage behavior is not a hedonistic activity. Originality/value This is one of the few studies to examine adoption of smartphone travel apps in an emerging economy context by using extended unified theory of acceptance and use of technology framework with additional constructs.

The effects of convenience and speed in m-payment

2015 ◽  
Vol 115 (2) ◽  
pp. 311-331 ◽  
Author(s):  
Aik-Chuan Teo ◽  
Garry Wei-Han Tan ◽  
Keng-Boon Ooi ◽  
Teck-Soon Hew ◽  
King-Tak Yew
Keyword(s):  
Service Providers ◽  
Partial Least Square ◽  
Least Square ◽  
Decision Makers ◽  
Content Type ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
And Performance ◽  
Facilitating Conditions ◽  
Practical Implications

Purpose – The purpose of this paper is to uncover the effects of perceived transaction convenience (PTC) and perceived transaction speed (PTS) on unified theory of acceptance and use of technology (UTAUT) in the context of m-payment. Design/methodology/approach – A predictive analysis approach was used to examine the PTC and PTS using a two-stage partial least square (PLS) and neural network (NN) analyses. Findings – The findings reveal that only effort expectancy (EE) and facilitating conditions (FC) were discovered to significantly influence BI. More importantly, PTC was found to have positive significant relationship with EE and performance expectancy (PE). Moreover, PTS also supported the positive relationship with BI and EE. Practical implications – The findings of the study provided further insights to mobile payment service providers, online banking industry players, and all decision makers and stakeholders involved. Originality/value – Despite of many attempts devoted to understand m-payment adoption, the effects of PTC and PTS on m-payment are not well understood.

Predictors of behavioral intention to adopt e-AgriFinance app among the farmers in Sarawak, Malaysia

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Quistina Omar ◽  
Ching Seng Yap ◽  
Poh Ling Ho ◽  
William Keling
Keyword(s):  
Social Influence ◽  
Behavioral Intention ◽  
Structural Equation ◽  
Agricultural Finance ◽  
Content Type ◽  
Intention To Adopt ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Facilitating Conditions ◽  
Practical Implications

PurposeThis study examines the predictors of behavioral intention of farmers to adopt a mobile agricultural finance application called e-AgriFinance using the Unified Theory of Acceptance and Use of Technology (UTAUT) and perceived cost as an additional predictor.Design/methodology/approachUsing a questionnaire survey, data are collected from 337 farmers in Sarawak, Malaysia. The collected data are analyzed using partial least squares structural equation modelling (PLS-SEM).FindingsThe research finds that performance expectancy, effort expectancy, social influence and facilitating conditions are positively related to behavioral intention to adopt the e-AgriFinance app, with social influence being the strongest predictor. Perceived cost is also found to be positively related to behavioral intention which contradicts the prediction of the model.Research limitations/implicationsThis study contributes to the use of UTAUT in predicting the adoption of mobile agricultural finance applications among farmers.Practical implicationsFor practice, this study provides implications for the Sarawak government to promote digital and financial inclusivity for all communities. This study also provides insights into important features of the e-AgriFinance app for digital finance providers to develop the apps that will be well accepted by farmers in the future.Originality/valueThis research is one of the few studies that focused on farmers' mobile technology adoption in agribusiness from the perspective of an emerging economy.

Investigating the influence of transparency on the adoption of e-Government in Indonesia

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Alvedi Sabani
Keyword(s):  
Structural Equation ◽  
Theoretical Perspective ◽  
Policy Implications ◽  
Unified Theory ◽  
Content Type ◽  
Utaut Model ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Facilitating Conditions ◽  
Practical Implications

Purpose The purpose of this paper is to extend and validate the unified theory of acceptance and use of technology (UTAUT) for investigating the effect of transparency on the adoption of e-Government in Indonesia from the perspective of citizens. Design/methodology/approach A comprehensive review of the related literature leads to the development of a transparency-focused conceptual model to better understanding the adoption of e-Government. Structural equation modelling is used for analysing the data collected from the citizens in Indonesia. Findings This study confirms that performance expectancy, effort expectancy, social influence, facilitating conditions and transparency are the critical factors for evaluating the citizen adoption of e-Government in Indonesia. In addition, transparency is found to be the strongest factor that influences the decision of Indonesian citizens to adopt e-Government. Research limitations/implications From the theoretical perspective, the use of the UTAUT model is extended by incorporating the transparency factor that is vital to the adoption of e-Government in developing countries such as Indonesia. Practical implications In terms of managerial and policy implications, this research offers the Indonesian Government suggestions on how the adoption of e-Government can be improved. Originality/value This is the first study that extends and empirically validates the UTAUT model with transparency for evaluating the adoption of e-Government from the perspective of citizens in Indonesia. It demonstrates how the transparency factor can be incorporated to better understand the adoption of e-Government in such a context.

Enhancing service firm performance through customer involvement capability and innovativeness

2018 ◽  
Vol 41 (11) ◽  
pp. 1271-1289 ◽  
Author(s):  
Thomas Anning-Dorson ◽  
Robert Ebo Hinson ◽  
Mohammed Amidu ◽  
Michael Boadi Nyamekye
Keyword(s):  
Firm Performance ◽  
Customer Participation ◽  
Service Firms ◽  
Firm Level ◽  
Content Type ◽  
Customer Involvement ◽  
Confirmatory Factor ◽  
Relational Assets ◽  
Value Creation Process ◽  
Practical Implications

PurposeBecause of the paucity of empirical research on firm-level capabilities of firms for effective customer involvement, the purpose of this study is to evaluate service firms’ capacity to coopt customers to enhance the innovativeness and firm performance relationship. This study conceptualizes involvement capabilities of service firms as a strategic driver that exploits their internal firm assets, which in turn facilitates the positive relationship between innovativeness and firm performance.Design/methodology/approachData were collected from 344 managers of service firms across different sub-sectors in an emerging economy. The study first confirmed the constructs through confirmatory factor analysis before analyzing hypothesized relationships. Regression models were specified with robust standard errors to test the hypothesized relationships.FindingsThe study found that involvement capability of service firms helps them to exploit their relational assets and create and manage strong customer participation. Additionally, it was found that involvement capabilities enable service firms to capitalize on the competencies of customers, which in turn improves the outcomes of their innovativeness. The results showed that the interaction between involvement capability and innovativeness enhances firm performance significantly.Practical implicationsService firms can enhance customer participation in the value creation process by increasing their involvement capabilities. The increase in such capabilities will enhance the innovativeness of service firms, thereby improving their financial and non-financial performance.Originality/valueThis study offers guidance on how a firm’s innovativeness and customer involvement work together within the service operation to enhance firm performance.

M-government trust framework: deployment of an empirical study amongst Jordanian youth

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Mohammad Kamel Alomari
Keyword(s):  
Empirical Studies ◽  
Survey Study ◽  
Content Type ◽  
Social Community ◽  
Government Services ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Facilitating Conditions ◽  
The Relationship ◽  
Government Website

Purpose This paper aims to debate the main factors influencing trust in mobile government (m-government) in the developing country of Jordan. The transformation from government services offered through a government website to services offered via smartphone devices needs further investigation to better understand the factors that might influence citizens’ trust in m-government, in particular, young citizens. This paper presents the concept of m-government and reports on a study of the main predictors affecting citizens’ trust in it. The theoretical framework used is based on the unified theory of acceptance and use of technology (UTAUT). Design/methodology/approach A survey study of 510 Jordanian young citizens, who had access to the internet and were smartphone users, investigated the influence of the identified factors on their trust in m-government. The hypotheses testing used multiple regression analysis. Findings Contrary to previous claims reported in relation to facilitating conditions, the following predictors: trust in government, word of mouth (WOM), social influence and facilitating conditions were found to be significant factors in predicting Jordanian citizens’ trust in m-government services. Originality/value This is one of few studies to investigate what influences trust in m-government by citizens in Jordan. The current research significantly contributes to the literature by incorporating factors from the UTAUT model with personal perception factors to elucidate m-government adoption. The integration of UTAUT with factors such as “WOM”, is a direction that can be followed in research on the adoption of and trust in e-government and m-government by citizens in any social community. This study clearly identities the relationship between m-government trust and the WOM construct, which is rarely discussed in this type of research context. Although the facilitating conditions construct is claimed to be non-significant in the presence of performance expectancy and effort expectancy, the current research shows the importance of including the facilitating conditions construct when considering the topic of m-government trust in Jordan. Finally, this paper provides a foundation for future empirical studies on the adoption of m-government.

scholarly journals Factors Affecting the Adoption of Computer Assisted Audit Techniques in Audit Process: Findings from Jordan

2016 ◽  
Vol 6 (1) ◽  
pp. 248 ◽  
Author(s):  
Ebrahim Mahmoud Mansour
Keyword(s):  
Computer Assisted ◽  
Audit Process ◽  
Factors Affecting ◽  
External Auditors ◽  
Intention To Adopt ◽  
Use Of Technology ◽  
Audit Firms ◽  
Effort Expectancy ◽  
Facilitating Conditions ◽  
Practical Implications

<p class="ber">Despite the efforts of auditing professional bodies to help stimulating the application of contemporary audit technologies among audit firms to cope with the rapid growth in information technology usage among business organization, the extent to which Jordanian external auditors and alongside the world's trend have accepted Computer Assisted Auditing Techniques (CAATs) remains fairly low. This study use the Unified Theory of Acceptance and Use of Technology (UTAUT) to explore this lack of CAATs' usage in Jordan and try to find answer to what factors may affect their adoption and acceptance. The study has drawn upon qualified questionnaire sent to 200 statutory external auditors to obtain the data. With a response rate over 80%, the results of the statistical analysis revealed that Jordanian external auditor's intention to adopt CAATs may be driven by both auditor's performance expectancy and firm's facilitating conditions issues. However, effort expectancy and social influence at the other spectrum may not play such a major role. These results have several practical implications. Jordanian audit firms can create a positive attitude amongst its auditors towards CAATs' usage by promoting CAATs benefits and usefulness, by decreasing efforts expectancy needed to use CAATs, and by further investing in management and technical infrastructure supporting CAATs.</p>

Individuals' intention to use sports wearables: the moderating role of technophobia

2020 ◽  
Vol 21 (2) ◽  
pp. 225-245 ◽  
Author(s):  
Nilsah Cavdar Aksoy ◽  
Alev Kocak Alan ◽  
Ebru Tumer Kabadayi ◽  
Alican Aksoy
Keyword(s):  
Structural Equation ◽  
Digital Age ◽  
Equation Modeling ◽  
Content Type ◽  
Psychological Constructs ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Facilitating Conditions ◽  
The Relationship

PurposeThis study aims to examine the wearable devices market as an essential representative of the digital age using a framework based on the Unified Theory of Acceptance and Use of Technology (UTAUT) and the context of sports wearables.Design/methodology/approach411 people, are both users and non-users of this technology were surveyed online, and the obtained data analyzed using structural equation modeling.FindingsThe results support the effects of performance expectancy, effort expectancy, facilitating conditions, and social influence on attitude toward sports wearables and attitude of usage intention. Further, technophobia moderates the relationship between performance expectancy and attitude. However, a moderating effect of technophobia on the relationship between effort expectancy and attitude was not observed.Originality/valueDue to innovative technologies in the digital age we live in, the devices we use in everyday life have gained intelligence. As more developments take place, and related products enter the market, understanding how people react to these products becomes an important issue. While investigating this issue in the context of sports wearables in this study, an important psychological construct, technophobia, was included in the research model in order to explore the usage intention of individuals through the effects of psychological constructs, such as paranoia, fear, anxiety, cybernetic revolt and cellphone avoidance, and the strong combination of important constructs of phobia to go against technology.

Adoption of fitness wearables

2018 ◽  
Vol 20 (1) ◽  
pp. 103-127 ◽  
Author(s):  
Pável Reyes-Mercado
Keyword(s):  
Structural Equation ◽  
Qualitative Comparative Analysis ◽  
Equation Model ◽  
Intention To Use ◽  
Unified Theory ◽  
Content Type ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Facilitating Conditions

Purpose This paper aims to analyse the adoption of fitness wearables by using the unified theory of acceptance and use of technology (UTAUT). The study analyses the relative weights and causal combinations of antecedent variables on use and intention to use fitness wearables. Design/methodology/approach The study design involves two stages: first, from the perspective of variable-oriented analysis, a structural equation model is tested using partial least squares (PLS) technique on a sample of 176 adopters and a second sample of 187 non-adopters. Second, from the perspective of case-oriented analysis, a fuzzy set qualitative comparative analysis (fsQCA) identifies causal combinations of variables that lead to use of wearables by adopters and intention to use by non-adopters. Findings PLS results show that performance expectancy and effort expectancy have high net effects on use and intention to use for adopters. FsQCA analysis shows that current users follow a streamlined path to adoption. High beliefs on performance expectancy and effort expectancy are the main influences of intention to use a fitness wearable for non-adopters. In contrast to adopters, non-adopters may follow a number of paths to intention to use through performance expectancy, effort expectancy or facilitating conditions. This insight was apparent only after analysing the data sets by using fsQCA. Research limitations/implications For sake of parsimony, this paper tested UTAUT model instead of the more complex unified theory of acceptance and use of technology 2. Practical implications Marketers in the fitness category can enhance use and intention to use by utilising not one but a combination of causal factors such as performance expectancy, effort expectancy and facilitating conditions. Wide societal deployment of wearables depends on performance and expectations. Social implications The widespread use of mobile devices depends on performance expectancy and effort expectancy. To transit to a real knowledge economy, co-creation should occur at early stages of product development so that these expectations are shared and better products be developed. Originality/value This paper offers a nuanced understanding of fitness wearable adoption by analysing adopters and non-adopters through variable- and case-oriented techniques. It complements the one-linear-path perspective with a number of alternative causal combinations of variables that lead to use and intention to use fitness wearables. While the causal path for adopters is unique, there are a number of causal combinations of antecedents that lead to high intention to use in potential adopters.

scholarly journals The job design happiness scale (JDHS)

2019 ◽  
Vol 32 (7) ◽  
pp. 709-724
Author(s):  
Georg Dutschke ◽  
Lia Jacobsohn ◽  
Alvaro Dias ◽  
Jaime Combadão
Keyword(s):  
Organizational Performance ◽  
Organizational Factors ◽  
Job Design ◽  
Structural Equations ◽  
Content Type ◽  
Family Balance ◽  
Confirmatory Factor ◽  
Order Factor ◽  
Structural Equations Models ◽  
Practical Implications

Purpose The purpose of this paper is to identify the factors that individuals consider necessary to be happy in their job. Based on these factors, a measure of job design happiness (JDH) is proposed. Design/methodology/approach Two methods were applied: a qualitative study with content analyses (n=969) to develop an exploratory questionnaire; and exploratory and confirmatory factor analysis by applying structural equations models. In this second study the questionnaire was sent to a second sample (n=1,079). Findings Five first-order factors were identified: self-fulfillment; group working, attaining goals; leadership; and sustainability and job/family balance. These factors are explained by a second order factor: JDH. Research limitations/implications Further research is needed to determine how the identified “job design happiness” components may interact with one another. Testing the measure of different industries and national cultures is also suggested. Practical implications Managers and human resources practitioners can improve job and organizational performance by applying the scale in several moments in time measuring the job happiness “pulse,” monitoring their decisions. Social implications The adoption of this measure for decision making in organizational and job design can contribute to the improvement of living standards and firm sustainability. Originality/value Research on organizational happiness has been increasing but instruments to measure JDH, considering organizational factors, are limited.

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