Online insurance claims: when more than trust matters

2019 ◽  
Vol 37 (2) ◽  
pp. 579-594 ◽  
Author(s):  
Sabine Gebert-Persson ◽  
Mikael Gidhagen ◽  
James E. Sallis ◽  
Heléne Lundberg
Keyword(s):  
Technology Acceptance ◽  
Financial Services ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Product Knowledge ◽  
Perceived Ease Of Use ◽  
Insurance Claims ◽  
User Friendliness ◽  
Content Type

Purpose The purpose of this paper is to develop and test a theoretical framework explaining the adoption of online insurance claims characterised by infrequent interactions, inherent complexity and risk. It extends the technology acceptance model to include knowledge-related and trust-related beliefs. Design/methodology/approach The framework is tested with structural equation modelling using data from a survey of 292 customers who made online insurance claims. Findings are further explained through 30 telephone interviews conducted with online and offline claimants. Findings Previous research in financial services has shown trust to be equally or more important than perceived usefulness and perceived ease of use in forming attitudes towards adopting online insurance applications. The findings of this paper contradict this by showing, at best, a weak relationship between trusting attitude and intention to use the online service. Trust is somewhat meaningful; however, perceived ease of use, perceived usefulness and technology attitude are substantially more important in an online insurance claims setting. Research limitations/implications Contradictory results always beg further research to assure their robustness. Nevertheless, they can also point to a developing trend where trust in the internet channel, per se, is of diminishing importance. Internet and product knowledge are not as pertinent to forming intentions as usefulness and ease of use. Practical implications To encourage customers to adopt online applications for a trusted company, all emphasis should be on user friendliness and perceived usefulness of the online interface. Originality/value Compared to other channels, consumers are no longer naïve or distrustful of the online channel for interacting with a firm. If they perceive usefulness and ease of use, they will adopt the offered service.

What influence users’ e-finance continuance intention? The moderating role of trust

2018 ◽  
Vol 118 (8) ◽  
pp. 1647-1670 ◽  
Author(s):  
Wangyue Zhou ◽  
Zayyad Tsiga ◽  
Boying Li ◽  
Shuning Zheng ◽  
Shuli Jiang
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Continuance Intention ◽  
Website Quality ◽  
Content Type ◽  
Positive Effects

Purpose The purpose of this paper is to identify antecedents of e-finance continuance intention with Alibaba’s Yu’E Bao as an example. Design/methodology/approach An online questionnaire was used to collect the data (n=293), and partial least squares structural equation modeling was employed for data analysis. Four e-finance features (perceived reputation, website quality, e-finance familiarity and situational normality) are introduced with trust acting as a moderator between the users’ satisfaction and continuance intention to use an e-finance platform. Findings The results find that website quality, familiarity and situational normality can influence perceived ease of use (PEOU) and perceived usefulness (PU). PEOU and PU, together with reputation, are positively associated with confirmation which further leads to satisfaction. The positive effects that satisfaction and trust have on e-finance continuance intention are confirmed, and trust is found to be a significant moderator on the relationship between satisfaction and continuance intention. Practical implications The findings can be used to guide e-finance providers to improve their platform design and services to retain users. Originality/value This study combines the theory of trust, Technology Acceptance Model and Expectations Confirmation Theory to investigate the factors that influence the continuance intention in the context of e-finance in China.

The role of technology readiness in individuals' intention to use health and fitness applications: a comparison between users and non-users

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Weisheng Chiu ◽  
Heetae Cho
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Negative Impact ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Technology Readiness ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Health And Fitness ◽  
Acceptance Model

PurposeThe purpose of this study is to examine individuals' decisions to use health and fitness apps by applying the extended technology readiness and acceptance model (TRAM), which combines technology readiness (TR), the technology acceptance model (TAM) and perceived enjoyment (PEN). Moreover, this study explores the differences between users and non-users regarding their intentions to use health and fitness apps.Design/methodology/approachData collection (n = 206) was conducted using convenience sampling from four large universities in South Korea. The data were analysed by partial least squares structural equation modelling (PLS-SEM) using SmartPLS 3.0.FindingsThe results revealed that positive TR positively affects perceived ease of use (PEOU), perceived usefulness (PU) and PEN, while negative TR had a negative impact only on PEN. Furthermore, the significant relationships between PEOU, PU and PEN were identified. In addition, multigroup analyses indicated that the relationships between positive TR and PEN, between PEN and PEOU, between PEOU and PU, and between PU and behavioural intention were positively stronger for app users.Originality/valueThis study initially applied the TRAM to understand individuals' behavioural intentions to use health and fitness apps. Moreover, this study identified the distinct roles of positive and negative TR affecting individuals' cognition regarding using health and fitness apps. The differences in the psychological processes between app users and non-users offer insights and implications for practitioners.

Understanding mobile shopping consumers’ continuance intention

2017 ◽  
Vol 117 (1) ◽  
pp. 213-227 ◽  
Author(s):  
Dawei Shang ◽  
Weiwei Wu
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Integrated Model ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Continuance Intention ◽  
Content Type ◽  
Mobile Shopping ◽  
User Groups

Purpose The purpose of this paper is to investigate and examine the factors contributing to consumers’ mobile shopping continuance intention (CI) of food and non-food items via smartphones and other mobile terminals. Design/methodology/approach An integrated model was proposed on the basis of the technology acceptance model (TAM) and expectation confirmation model (ECM), focussing on perceived value (PV). The survey responses of 203 Chinese mobile shoppers (m-shoppers) were analysed using structural equation modelling with the partial least squares approach. Findings The results indicated that perceived usefulness does not motivate all user groups. Furthermore, satisfaction and perceived ease of use significantly impacted different user groups. For online food m-shoppers, value for money (VM) was the most important factor influencing satisfaction and CI. However, perceived usefulness only affected CI for non-food m-shoppers. Practical implications Marketers can improve users’ CI by enhancing VM and maximising effectiveness and enjoyment while minimising prices. Moreover, in determining strategies for different users, marketers should identify the behavioural differences among all groups and those between the two classified groups. Originality/value This is one of the studies attempting to explain Chinese mobile shopping consumers’ CI, but especially through an integrated model based on TAM and ECM with PV on food and non-food m-commerce perspective. It offers several implications for researchers and practitioners and contributes to the literature of technology acceptance and post-adoption behaviour in m-commerce.

How food retailing changed in Turkey: spread of self-service technologies

2018 ◽  
Vol 120 (2) ◽  
pp. 290-308 ◽  
Author(s):  
Ipek Kazancoglu ◽  
Emel Kursunluoglu Yarimoglu
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Situational Factors ◽  
Equation Modeling ◽  
Future Research ◽  
Perceived Ease Of Use ◽  
Content Type

Purpose The purpose of this paper is to predict customers’ intentions to use self-checkouts based on the technology acceptance model (TAM). Design/methodology/approach The questionnaire consisted of constructs taken from the existing literature such as perceived ease of use (PEU), perceived usefulness (PU), behavioral intentions, technology anxiety (TA), perceived risk (PR), need for interaction (NI), and situational factors (SF). Before preparing the questionnaire, the focus group studies were organized to gain deeper insights regarding customers’ views about self-checkouts. Based on the results of the focus groups, some items in the constructs were adapted, and the questionnaire was generated. The field study was conducted via face-to-face survey with 500 customers chosen by stratified random sampling. Confirmatory factor analysis and structural equation modeling were used to validate the relationships hypothesized in the conceptual model among constructs. Findings Out of the 16 hypotheses, 10 were found to be significant. The hypotheses related to the effects of PR, PEU, PU, intentions, while the effects of NI on PU and intentions; the effects of SF on intentions were not accepted in the study. According to the findings, PEU, PU, and TA affected intentions whereas PR, NI, and SF did not. Research limitations/implications There were some limitations related to demographics, attitudes, SF, and actual usage of self-checkouts. Practical implications To avoid queues, retailers should install a sufficient number of user-friendly and simple interfaced self-checkouts with well-trained employees to encourage usage and reduce the perceived risk and anxiety. Originality/value The main contribution of this study was that the effects of different constructs were measured on Turkish customers’ intentions to use self-checkouts, which could be used in formulating marketing strategies as well as considering future research directions. The paper also provided additional insights into the effects of SF, TA, NI, and PR, all of which were added to the TAM in this study.

User satisfaction with mobile websites: the impact of perceived usefulness (PU), perceived ease of use (PEOU) and trust

2014 ◽  
Vol 5 (3) ◽  
pp. 258-274 ◽  
Author(s):  
Muslim Amin ◽  
Sajad Rezaei ◽  
Maryam Abolghasemi
Keyword(s):  
Technology Acceptance ◽  
User Satisfaction ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Mobile Users ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
The Impact

Purpose – The purpose of the study is to investigate the impact of perceived usefulness (PU), perceived ease of use (PEOU) and trust on mobile website satisfaction. Design/methodology/approach – A total of 302 valid questionnaires were collected to empirically test the research model. Structural equation modeling (SEM) was performed to evaluate the reliability and validity of the measurement model and structural models. Findings – The results show that there is a positive relationship between PEOU, PU and mobile users’ satisfaction. PU is positively related to trust and mobile users’ satisfaction. Moreover, trust positively influences mobile users’ satisfaction. Practical implications – Drawing on the technology acceptance model and trust theory, this study develops and empirically examines a model for consumers’ satisfaction to use mobile services. This study contributes new insights concerning the marketing literature by examining the impact of PU, PEOU and trust on mobile users’ satisfaction. Originality/value – The contribution of the study is significant for both mobile marketers and academicians in the era of the third-generation environment. This study is among the first few attempts to integrate the TAM with trust to determine mobile user satisfaction.

The effects of cognitive style on Edmodo users’ behaviour

2017 ◽  
Vol 34 (1) ◽  
pp. 31-50 ◽  
Author(s):  
Ömer Faruk Ursavaş ◽  
Ilknur Reisoglu
Keyword(s):  
Technology Acceptance ◽  
Cognitive Style ◽  
Structural Equation ◽  
Cognitive Styles ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Embedded Figures Test

Purpose The purpose of this paper is to explore the validity of extended technology acceptance model (TAM) in explaining pre-service teachers’ Edmodo acceptance and the variation of variables related to TAM among pre-service teachers having different cognitive styles. Design/methodology/approach Structural equation modeling approach was used to analyze an extended TAM that represents the relationship between the eight constructs and cognitive style. Group Embedded Figures Test and technology acceptance measure were used as data collection tools. The study was conducted with 129 pre-service teachers. Findings The results indicate that perceived ease of use (PEU) influences behavioral intention (BI) to use Edmodo indirectly through attitude toward Edmodo use and perceived usefulness (PU). Technological complexity and facilitating conditions influence BI to use indirectly through PU and PEU, respectively. Thus, the extended TAM is a parsimonious model explaining 75, 72, and 82 percent of the endogenous variable (BI) for the whole sample, for the field dependent sample, and for the field independent sample, respectively. Originality/value This paper addresses to determine the BI of pre-service teachers regarding Edmodo, which is an innovative tool, based on cognitive styles.

Disclosing customers' intentions to use social media for purchase-related decisions

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Sumit Sangwan ◽  
Supran Kumar Sharma ◽  
Jyoti Sharma
Keyword(s):  
Social Media ◽  
Technology Acceptance ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Adoption Studies ◽  
Content Type ◽  
Information Reliability

PurposeThe present study intends to shed light on behaviour of customers towards usage of social media for purchasing decisions. The study proposes an extension to technology acceptance model (TAM) to analyse the significance of monetary benefits and information reliability on customers' intention to use social media.Design/methodology/approachThe sample was drawn from social media users of north-western region of India (n = 622). The proposed model was tested using exploratory factor analysis and structural equation modelling.FindingsResults indicate that monetary benefits and perceived ease of use have significant influence on customers' intention to use social media, while information reliability and monetary benefits significantly influence only through perceived usefulness.Practical implicationsThe findings are valuable to marketers to acknowledge the potential of social media to reach to masses by providing timely and reliable information. The study also reveals that website/app developers should implement a user-friendly interface and reliable content to influence customers' usage behaviour.Originality/valueThe study is a unique attempt to examine the effect of monetary benefits and information reliability with TAM's key constructs in the context of social media adoption. Studies undertaken aforementioned dimensions are mainly concerned with examining direct contribution of social media and its effect on purchase decisions.

Understanding the antecedents of omni-channel shopping by customers with reference to fashion category: the Indian millennials’ perspective

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Prashant Chaudhary ◽  
Archana Singh ◽  
Sarika Sharma
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Goodness Of Fit ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Customer Engagement ◽  
Perceived Ease Of Use ◽  
Continuance Intention ◽  
Content Type ◽  
Fashion Products

Purpose The purpose of this study is to understand the antecedents of omni-channel shopping with reference to the intention to purchase fashion products by millennials and their perspective towards the omni-channel method of shopping. Design/methodology/approach The research is based on a quantitative research technique comprising of 302 respondents. A structured questionnaire has been adopted for the survey and to collect data from millennials from India. The questionnaire consisted of 27 constructs, which were measured using a five-point Likert’s scale. In the first step first-order confirmatory factor analysis is carried out, by using the software IBM AMOS-20. The initial model is generated for six constructs, and outcomes are used to analyse the model’s goodness of fit and construct validity. In the second step, the conceptual model is tested through path analysis using structural equation modelling. Findings The findings indicate that perceived usefulness (PU) significantly affects the continuance intention of usage towards omni-channels. Perceived ease of use does not significantly affect continuance intention of towards usage of omni-channels, and it does not seem to have a significant effect on PU. Cost effectiveness and customer engagement of omni-channel have a significant effect on the continuance intention of its use. Finally, continuance intention towards usage of omni-channel does significantly affects the actual use of omni-channel. Originality/value The research on omni-channel for purchasing fashion products is meagre and this particular study with the usage of Technology Acceptance Model including millennials is adding value towards the knowledge base of marketing. This research develops a theoretical framework building on the technology adoption model and empirically tested it.

scholarly journals Predicting intention to follow online restaurant community advice: a trust-integrated technology acceptance model

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Aya K. Shaker ◽  
Rasha H.A. Mostafa ◽  
Reham I. Elseidi
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Structural Equation ◽  
Online Reviews ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Acceptance Model

PurposeThis research investigates consumer intention to follow online community advice. Applying the technology acceptance model (TAM) to the context of online restaurant communities, the study empirically examines the effects of perceived usefulness, perceived ease of use, attitude and trust on the intention to follow online advice.Design/methodology/approachThe data were collected from 360 members of online restaurant communities on Facebook and analyzed using structural equation modeling (SEM).FindingsThe findings revealed that trust, perceived usefulness and attitude are key predictors of the intention to follow online restaurant community advice.Originality/valueExtant research on the influence of online reviews on consumer behavior in the restaurant industry has largely focused on the characteristics of the review, reviewers or readers. Moreover, other studies have investigated consumers' motivations to write online restaurant reviews. This study, however, takes a different approach and examines what drives consumers to follow the advice from online restaurant communities.

Investigating consumer acceptance of autonomous technologies: the case of self-driving automobiles

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Christian V. Baccarella ◽  
Timm F. Wagner ◽  
Christian W. Scheiner ◽  
Lukas Maier ◽  
Kai-Ingo Voigt
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
New Technology ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Novelty Seeking ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Self Driving Cars

PurposeAutonomous technologies represent an increasingly important, but at the same time controversial technological field with enormous potential. From a consumer perspective, however, the growing autonomy of technologies might result in a perceived loss of control, which can lead to consumer resistance. Given the practical and theoretical relevance, this research examines antecedents to consumer adoption of autonomous technologies in the context of self-driving cars.Design/methodology/approachThis article looks through the lens of the technology acceptance model and conducts structural equation modeling.FindingsThe study validates the positive effect of perceived usefulness on behavioral intention to adopt self-driving cars. The results further suggest that individuals with a generally negative attitude toward technologies are afraid that they might not be capable of handling the new technology. Moreover, further mediation analyses reveal that perceived ease of use and perceived usefulness help us to explain the indirect effects of novelty seeking and technology anxiety on adoption intention.Practical implicationsThe results imply that users' perceptions of an autonomous technology's usefulness are an important determinant of technology adoption. Adoption barriers could be overcome by emphasizing the usability of the new technology. On the other hand, individuals who enjoy using the old technology may be persuaded by arguments that focus on the usefulness of the new technology rather than its ease of use.Originality/valueSelf-driving automobiles will change our perception of mobility. It is important to understand the mechanisms that drive the adoption of such innovations.

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