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 Technology acceptance application model on internet banking service in BRI Bank Denpasar Indonesia

2019 ◽  
Vol 6 (4) ◽  
pp. 135-146
Author(s):  
Ari Melaning ◽  
I.G.A.K. Giantari
Keyword(s):  
Technology Acceptance ◽  
Behavioral Intention ◽  
Structural Equation ◽  
Internet Banking ◽  
Sem Analysis ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
The Relationship

This study aims to explain the effect of perceived usefulness, and perceived ease of use, on attitude toward using, and behavioral intention of use at BRI banks Denpasar. The technique used to test the research hypothesis uses Structural Equation Modeling (SEM) analysis techniques using SMARTPLS assistance, using IBM SPSS Statistics 22. The population in this study were all BRI Bank customers in Denpasar who used Internet Banking, the number of samples in this study was 150 respondents, who were taken using Purposive Sampling techniques. The results showed that (1) the attitude toward using had a positive and significant effect on the behavioral intention of use (2) perceived ease of use had a positive and significant effect on attitude toward using (3) perceived usefulness had a positive and significant effect on the behavioral intention of use. (4) perceived ease of use has a positive and significant effect on the behavioral intention of use (5) perceived usefulness has a positive and significant effect on attitude toward using. (6) attitude toward using can mediate the relationship between perceived usefulness to the behavioral intention of use. (7) the attitude toward using can mediate the relationship between perceived ease of use on the behavioral intention of use.

Examining the roles of students' beliefs and security concerns for using smartwatches in higher education

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Mostafa Al-Emran ◽  
Andrina Granić ◽  
Mohammed A. Al-Sharafi ◽  
Nisreen Ameen ◽  
Mohamed Sarrab
Keyword(s):  
Higher Education ◽  
Theoretical Model ◽  
Technology Acceptance ◽  
Structural Equation ◽  
New Technologies ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Related Factors ◽  
Content Type

PurposeDespite the increased use of wearables in education, little attention has been paid to why some students are more likely to adopt smartwatches than others. The question of what impacts the adoption of smartwatches in educational activities is still neglected. In addition, the question of how security determinants can affect the adoption of smartwatches by students has not been addressed yet. Hence, this study aims to develop a theoretical model by integrating the technology acceptance model (TAM) and protection motivation theory (PMT) to study students' adoption of smartwatches for educational purposes.Design/methodology/approachQuestionnaires were distributed to university students in Malaysia. A total of 679 valid responses were collected. The collected data were analyzed using partial least squares-structural equation modeling (PLS-SEM).FindingsThe results of data analysis provide support for the proposed model. Furthermore, the findings indicated that perceived vulnerability, self-efficacy, response efficacy, response cost, ease of use and perceived usefulness have significant effects on students' behavioral intention to use smartwatches for educational purposes. In addition, perceived ease of use of smartwatches for educational purposes helps students to realize the benefits of this technology.Originality/valueThis is an original study that develops a new holistic theoretical model by combining the PMT and TAM to study the effects of ease of use, usefulness and security-related factors on the adoption of smartwatches for educational purposes. The study offers practical implications for universities and higher education institutions to improve students' learning experiences to ensure their sustainability using new and innovative ways by exploiting new technologies such as smartwatches.

scholarly journals Making finance fun: the gamification of personal financial management apps

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Paula Bitrián ◽  
Isabel Buil ◽  
Sara Catalán
Keyword(s):  
Technology Acceptance ◽  
Financial Management ◽  
Structural Equation ◽  
Autonomous Motivation ◽  
Ease Of Use ◽  
Equation Modeling ◽  
Intention To Use ◽  
Cross Sectional ◽  
Content Type ◽  
Finance Industry

PurposeThis study integrates self-determination theory (SDT) and the technology acceptance model (TAM) to explore how gamification increases users' motivation and intention to use personal financial management (PFM) apps, and how it facilitates their adoption.Design/methodology/approachData from 208 users of the Mint app were analyzed using partial least squares structural equation modeling.FindingsThe results showed that gamifying PFM apps satisfies users' needs for competence and autonomy and enhances their autonomous motivation to use them. Users' motivation increases their perceptions of ease of use and usefulness of the apps and causes them to develop more favorable attitudes toward them. The findings also confirmed a relationship between users' attitudes toward PFM apps and the behavioral intention to use them.Research limitations/implicationsTo investigate the generalizability of results, studies using other PFM apps would be useful. The cross-sectional nature of the research also limits its causal inference.Practical implicationsThis research provides support for the use of gamification in PFM apps and offers suggestions that may help fintech companies and banks to persuade users to engage with their apps.Originality/valueAlthough gamification is a trending topic, few studies have explored its use in the finance industry. Drawing on SDT and the TAM, this study extends previous research and adds new insights into the effects of gamification in this context.

Evaluating the role of gamification and flow in e-consumers: millennials versus generation X

Kybernetes ◽  
2019 ◽  
Vol 48 (6) ◽  
pp. 1278-1300 ◽  
Author(s):  
Alejandro García-Jurado ◽  
Pilar Castro-González ◽  
Mercedes Torres-Jiménez ◽  
Antonio L. Leal-Rodríguez
Keyword(s):  
Technology Acceptance ◽  
Generation X ◽  
Behavioral Intention ◽  
Structural Equation ◽  
Ease Of Use ◽  
Equation Modeling ◽  
Extended Model ◽  
Flow State ◽  
Content Type

Purpose This research has three main objectives. First, it examines influence of gamification on the behavioral intention to use an e-commerce platform. Second, it analyzes the role of the flow state given its importance in terms of behavior in online environments. Finally, the study aims to detect and analyze differences between Millennials and Generation X. Design/methodology/approach The theoretical basis for this study stems from technology acceptance model. The extended model incorporates gamification and the optimal state of intrinsic motivation, flow state, as additional constructs. An online consumer panel was used to collect data from 253 Spanish Amazon users. A structural equation modeling, partial least squares, is proposed and multi-group moderation was studied. Findings Gamification in Millennials has positive and significant indirect effects on behavioral intention through the flow state. In the case of the Generation X, it has been detected that flow interferes in its perception of ease of use. The behavioral intention of using the Web page is directly correlated with the purchase intention. Companies should offer a fun interface to Millennials and an environment easier to use to the Generation X, for gamification to be successful. Originality/value This study expands the research scope in gamification by focusing on e-commerce sector, a field where scientific research is still scarcely developed. It emphasizes the importance of flow as mediator. Age differences confirm the need for segmentation when applying gamification and marketing strategies in e-commerce.

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.

Adoption of mobile banking at the bottom of the pyramid: an emerging market perspective

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Sonal Purohit ◽  
Rakhi Arora
Keyword(s):  
Technology Acceptance ◽  
Migrant Workers ◽  
Structural Equation ◽  
Emerging Market ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Bottom Of The Pyramid ◽  
Mobile Banking ◽  
Content Type

PurposeThis paper aims to investigate the factors that affect mobile banking adoption among the bottom of the pyramid (BoP) group in an emerging market.Design/methodology/approachData were collected from 332 bank customers in the BoP group through a questionnaire based on previously validated scales. Structural equation modeling (SEM) was applied using SmartPLS 2.0 to analyze the data.FindingsIt was found that perceived usefulness (PU) and perceived ease of use (PEoU) influence the attitude toward mobile banking positively whereas the perceived risk (PR) and perceived deterrents (PDs) influence the attitude negatively. The subjective norms (SNs) and the attitude positively affect mobile banking adoption. Knowledge of mobile banking has a strong effect on the PEoU, but it does not influence the PU of mobile banking.Originality/valueThis research makes an original contribution to the extant research and fills the gap by exploring the factors that affect the mobile banking adoption among a distinct BoP group (migrant workers) in an emerging market. The authors make use of knowledge of mobile banking and PDs as novel and important constructs in the technology acceptance model (TAM) to explore the factors that affect mobile banking adoption among the BoP.

Factors influencing Generation Y’s tourism-related social media activity: the case of Polish students

2020 ◽  
Vol 11 (3) ◽  
pp. 543-558
Author(s):  
Joanna Kowalczyk-Anioł ◽  
Marek Nowacki
Keyword(s):  
Social Media ◽  
Social Influence ◽  
Technology Acceptance ◽  
Perceived Risk ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Related Activity ◽  
Content Type

Purpose This study aims to identify the factors which affect Generation Y’s activity in social media (SM) while traveling. It draws on and extends the technology acceptance model (TAM) and social influence theory. It examines the effects of social influence processes (compliance, identification and internalization), perceived enjoyment (PE), perceived risk, perceived ease of use and perceived usefulness on tourism-related SM activity. Design/methodology/approach The study tested the model with a sample of 420 Polish Y’s who had traveled in the preceding 12 months and used SM. The verification of the hypotheses and the analysis of relationships between the variables were performed using partial least squares structural equation modeling. Findings Out of the four variables of the TAM, only PE has significantly and directly affected Ys’ tourism-related activity in SM. From among the three processes of social influence, only internalization has had a significant impact on the enjoyment of SM use and, consequently, on the SM activity of Generation Y. Research limitations/implications This study covered only Polish Y’s. In the future, the formulated hypotheses should be verified in other generational cohorts, in sub-cohorts of Y’s and in other cultural contexts. Furthermore, limitations include lack of randomization of the survey distribution. Practical implications The presented results show a generational portrait of an increasingly important consumer group on the tourism market in relation to factors affecting their tourism-related activity in SM. Originality/value This is one of few studies (the first in the Central and Eastern Europe context) to examine Generation Y’s adoption of SM in tourism-related activity drawing on and extending the TAM and processes of social influence.

Understanding cloud ERP continuance intention and individual performance: a TTF-driven perspective

2020 ◽  
Vol 27 (4) ◽  
pp. 1591-1614 ◽  
Author(s):  
Yung-Ming Cheng
Keyword(s):  
Technology Acceptance ◽  
Enterprise Resource Planning ◽  
Structural Equation ◽  
Resource Planning ◽  
Individual Performance ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Continuance Intention ◽  
Content Type

PurposeThis study's purpose is to propose a hybrid model based on expectation-confirmation model (ECM) and technology acceptance model (TAM) to examine whether organizational users' perceived task-technology fit (TTF) in cloud enterprise resource planning (ERP) as an antecedent to user beliefs can directly and indirectly affect their continuance intention of cloud ERP and individual performance.Design/methodology/approachSample data for this study were collected from end users of cloud ERP working in companies in Taiwan. A total of 500 questionnaires were distributed in the 50 sample companies, and 355 (71.0%) usable questionnaires were analyzed using structural equation modeling in this study.FindingsThis study showed that organizational users' perceived TTF contributed positively to their perceived usefulness, confirmation and perceived ease of use of cloud ERP, which in turn directly and indirectly led to their satisfaction with cloud ERP, continuance intention of cloud ERP and individual performance; that is, this study's findings strongly supported the research model integrating ECM, TAM and TTF model with all hypothesized links being significant.Originality/valueThis study contributes to an understanding of the TTF model in explaining organizational users' cloud ERP continuance intention that is difficult to explain with only their utilitarian perceptions of cloud ERP. Further, it is especially worth mentioning that this study places considerably more emphasis upon organizational users' individual performance greatly driven by their perceived TTF in cloud ERP and continuance intention of cloud ERP. Thus, this study's empirical evidence on incorporating ECM, TAM and TTF model can significantly enhance better understanding of the outcomes for cloud ERP continuance intention and shed light on the possible formulation of a richer post-adoption model.

Self-efficacy as an antecedent of cognition and affect in technology acceptance

2014 ◽  
Vol 31 (3) ◽  
pp. 190-199 ◽  
Author(s):  
Songpol Kulviwat ◽  
Gordon C. Bruner II ◽  
James P. Neelankavil
Keyword(s):  
Technology Acceptance ◽  
Self Efficacy ◽  
Structural Equation ◽  
Emotional Reactions ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
External Variable ◽  
Content Type ◽  
Cognition And Affect

Purpose – This paper aims to examine whether self-efficacy plays an important role in shaping the effect of cognition and affects in high technology adoption. It also examines whether cognition and affect mediate the effect of self-efficacy on attitude toward adoption. Design/methodology/approach – Using an experimental survey to collect data, subjects performed two different tasks (utilitarian and hedonic) to make sure that they had cognitive and affective experiences to draw upon as they developed attitudes toward the focal innovation. Structural equation modeling was used to analyze the model. Findings – The result shows that self-efficacy influenced cognitive perceptions and emotional reactions. Specifically, self-efficacy was found to play a substantive role in shaping individuals’ attitudes via a cognitive route (perceived usefulness and ease-of-use) and an affective one (pleasure, arousal and dominance). Research limitations/implications – The study of self-efficacy as an external variable provides further insights into the process and is expected to increase the explained variance of the theoretical model. Practical implications – This study confirms that a belief about something besides the product also plays a key role; it is the confidence consumers have in their own abilities to understand and effectively use a new piece of technology. Originality/value – The research makes important contributions to our understanding of technology acceptance and has implications for marketing managers.

The impact of using a virtual employee engagement platform (VEEP) on employee engagement and intention to stay

2018 ◽  
Vol 30 (1) ◽  
pp. 242-259 ◽  
Author(s):  
Jungsun (Sunny) Kim ◽  
Anthony Gatling
Keyword(s):  
Technology Acceptance ◽  
Employee Engagement ◽  
Structural Equation ◽  
Organizational Outcomes ◽  
Ease Of Use ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Intention To Stay ◽  
Content Type ◽  
The Impact

Purpose The purpose of this study is to investigate whether the perceived ease of use and the usefulness of a virtual employee engagement platform (VEEP) positively influence employees’ intentions to use the VEEP and, in turn, actual use of VEEP. This study further examined how using the VEEP influences employee engagement as well as two organizational outcomes (i.e. employee participation and intention to stay). Design/methodology/approach The survey items for this study were developed based on the technology acceptance model (TAM) and motivation theory. Structural equation modeling (SEM) was used to test the proposed relationships in a sample of 373 employees of a hospitality organization in the USA. Findings The results indicate that employees’ perceived ease of use and usefulness of a hospitality company’s VEEP positively influence employees’ intentions to use the VEEP. The study also found employees with greater intentions to use their company’s VEEP tend to use the VEEP more frequently, which in turn positively influenced their engagement. Eventually, the more-engaged employees showed a higher level of participation, as well as intention to stay. Practical implications This study addresses the call by researchers to demonstrate how a VEEP can positively influence employee engagement and to present new insights into how employee engagement can contribute to improving organizational outcomes in a hospitality setting. Originality/value This study is the first empirical study involving the emergent field of engagement platforms and employee engagement in a hospitality setting. Moreover, this research provides support for increased adoption and investment in the VEEP by hospitality companies.

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