Adoption of mobile banking services

2019 ◽  
Vol 37 (5) ◽  
pp. 1165-1189 ◽  
Author(s):  
Apostolos Giovanis ◽  
Pinelopi Athanasopoulou ◽  
Costas Assimakopoulos ◽  
Christos Sarmaniotis
Keyword(s):  
Theory Of Planned Behavior ◽  
Technology Acceptance ◽  
Planned Behavior ◽  
Structural Equation ◽  
Goodness Of Fit ◽  
Statistical Significance ◽  
Explanatory Power ◽  
Equation Modeling ◽  
Mobile Banking ◽  
Content Type

PurposeThe purpose of this paper is to investigate which of four well-established theoretical models (i.e. technology acceptance model, theory of planned behavior, unified theory of acceptance and use of technology, decomposed theory of planned behavior (DTPB)) best explains potential users’ behavioral intentions to adopt mobile banking (MB) services.Design/methodology/approachDrawing on data from 931 potential users in Greece, the structural equation modeling method was used to examine and compare the four models in goodness-of-fit, explanatory power and statistical significance of path coefficients.FindingsResults indicate that the best model is an extension of the DTPB with perceived risk (PR). Customers’ attitude, determined by three rationally-evaluated MB attributes (usefulness, easiness and compatibility), is the main driver of consumers’ intentions to adopt MB services. Additionally, consumers’ perceptions of availability of knowledge, resources and opportunities necessary for using the service, and the pressure of interpersonal and external social contexts toward the use of MB are the other two, less important, adoption drivers. Finally, PR negatively affects attitude formation and inhibits willingness to use MB services.Practical implicationsFindings can help marketers of financial institutions to select the more parsimonious model to develop appropriate marketing strategies to increase adoption rates of MB services.Originality/valueThis is the first study that compares the performance of four well-known innovation adoption models to explain consumers’ behavior in the MB context.

Openness to participating in a victim-offender conference

2018 ◽  
Vol 29 (5) ◽  
pp. 659-682 ◽  
Author(s):  
Gregory Dennis Paul ◽  
William J. Schenck-Hamlin
Keyword(s):  
Theory Of Planned Behavior ◽  
Planned Behavior ◽  
Structural Equation ◽  
Goodness Of Fit ◽  
Design Research ◽  
Structural Model ◽  
Equation Modeling ◽  
Behavior Model ◽  
Willingness To Participate ◽  
Content Type

PurposeThis paper aims to use the theory of planned behavior to evaluate factors that influence openness to participating in a victim-offender conference (VOC).Design/methodology/approachConsistent with theory of planned behavior recommendations, the study uses a vignette-based design to assess participation openness as willingness to participate in a VOC if they were victims of a property crime. It evaluates the goodness of fit of a hypothesized structural model of participation openness to the data and the utility of a theory of planned behavior model as opposed to simply an outcome-driven model.FindingsFindings from a hierarchical linear regression illustrate that a theory of planned behavior model explains a greater percentage of participation willingness than does an outcome-driven model. Analysis using structural equation modeling suggests that participation openness is largely a function of subjective norms, anticipated affect and anticipated outcomes.Research limitations/implicationsLimitations spring largely from sampling method and research design. Research implications pertain to the utility of theory of planned behavior in expanding research of VOC participation openness to include not only outcomes but also relational and contextual factors.Practical implicationsThe manuscript identifies several implications for training facilitators, talking with prospective VOC participants and advocating for restorative justice programs.Originality/valueUse of the theory of planned behavior as a lens for understanding openness to VOC participation gives researchers and practitioners a wider and more nuanced understanding of why people would generally be willing to participate in a VOC if they were the victim of an offense.

Explaining undergraduates’ behavior intention of e-textbook adoption

2014 ◽  
Vol 32 (1) ◽  
pp. 139-163 ◽  
Author(s):  
Chun-Hua Hsiao ◽  
Kai-Yu Tang
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Goodness Of Fit ◽  
Survey Methodology ◽  
Behavioral Control ◽  
Explanatory Power ◽  
Theoretical Models ◽  
Equation Modeling ◽  
Content Type ◽  
Model Comparisons

Purpose – The current study aims to investigate college students' behavioral intentions to adopt e-textbooks for their studies according to well-known theoretical intention-based models. Design/methodology/approach – This paper empirically assesses five theoretical models of technology acceptance, including the theory of planned behavior (TPB), the technology acceptance model (TAM), the decomposed TPB model (DTPB), the combined model of TAM and TPB (C-TAM-TPB), and the unified theory of acceptance and use of technology (UTAUT). The survey methodology and structural equation modeling (SEM) were employed to examine and compare these five models. Moreover, explanatory power, goodness-of-fit indices, and model parsimony were taken into consideration in the model comparisons. Findings – Both TPB and TAM provided less effective but adequate predictive behavioral power. However, TPB appeared to be more parsimonious than TAM and the other models. By focusing on specific beliefs of attitude, social and control influences, DTPB shares many of the same advantages as TPB and TAM, but is less parsimonious. Similarly, C-TAM-TPB, an augmented version of TAM that incorporates social influences and behavioral control, is superior to TPB and TAM in terms of its explanatory power of behavioral intention to use e-textbooks. Overall, however, the results indicated that UTAUT appeared to be the best model in terms of the metrics of parsimonious fit and explanatory power. Originality/value – Theoretical comparison of different models is important. This is believed to be the first study to present model comparisons by investigating undergraduates' intention to adopt e-textbooks as tools for their on-campus learning in Taiwan.

Theory of planned behavior, ethics and intention of conscious consumption in Slow Fashion Consumption

2022 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Jordana Soares de Lira ◽  
Marconi Freitas da Costa
Keyword(s):  
Theory Of Planned Behavior ◽  
Planned Behavior ◽  
Structural Equation ◽  
Online Survey ◽  
Behavioral Control ◽  
Equation Modeling ◽  
Perceived Behavioral Control ◽  
Ethical Considerations ◽  
Content Type ◽  
Slow Fashion

PurposeThis study seeks to investigate the influence of the theory of planned behavior (TPB), of the conscious consumption intention and of the consumer ethical considerations, on Slow Fashion Consumption in the region known as Agreste Pernambucano, in Brazil, which is known for being an apparel manufacturing area.Design/methodology/approachTo achieve this purpose, descriptive quantitative research using non-probabilistic sampling was conducted. Data were collected through an online survey and distributed through the snowball technique. The sample consists of 486 respondents and relies on structural equation modeling for data analysis.FindingsThe results highlight that the Slow Fashion Consumption, in the scope of Local Productive Arrangement (LPA) of clothing manufacturing in the Agreste region, is influenced by the intention of conscious consumption, the ethical considerations in consumer behavior and the perceived behavioral control. Moreover, the results highlight the role of the influence of subjective norms both in the attitudes of consumers and the intention of conscious consumption.Originality/valueThe primary contribution of this study is to demonstrate that perceived behavioral control is positively associated with Slow Fashion Consumption, which, in turn, shows that respondents believe they have control over their sustainable actions.

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.

Application of the theory of planned behavior to customer switching intentions in the context of bank consolidations

2017 ◽  
Vol 35 (1) ◽  
pp. 147-172 ◽  
Author(s):  
Maya F. Farah
Keyword(s):  
Theory Of Planned Behavior ◽  
Planned Behavior ◽  
Structural Equation ◽  
Real Life ◽  
Switching Behavior ◽  
Control Beliefs ◽  
Equation Modeling ◽  
Perceived Behavioral Control ◽  
Content Type ◽  
Customer Switching

Purpose The purpose of this paper is to examine the factors that affect customers’ switching intentions among banks in the context of mergers and acquisitions, using particularly the case of the merger between Lloyds TSB and Halifax Bank of Scotland, which took place in 2009. Design/methodology/approach On the basis of the theory of planned behavior, a quantitative survey was developed and administered to 515 account holders from both banks in branches located in Spain. Structural equation modeling was then utilized to evaluate the significance of direct and indirect relationships between the various factors under study. Findings Empirical findings indicate a significant direct relationship between switching intentions and each of: behavioral beliefs, normative beliefs, attitudes, and subjective norms. Results also reveal an inverse significant relationship between switching intentions and both control beliefs and perceived behavioral control. Research limitations/implications The absence of a longitudinal study measuring the actual impact of the merger on customer switching behavior is the main limitation of this study. Moreover, despite being insightful, the results of this study should be generalized with caution since the sample was based on a list purposely chosen by the banks’ management. Originality/value This paper discusses customer switching behavior in the context of a real-life case of banks’ consolidation.

Using the theory of planned behavior to explain intention to eat a healthful diet among Southeastern United States office workers

2018 ◽  
Vol 48 (2) ◽  
pp. 365-374 ◽  
Author(s):  
Michael A. Close ◽  
Leslie A. Lytle ◽  
Ding-Geng Chen ◽  
Anthony J. Viera
Keyword(s):  
Theory Of Planned Behavior ◽  
Planned Behavior ◽  
Structural Equation ◽  
Behavioral Control ◽  
Subjective Norm ◽  
Office Workers ◽  
Equation Modeling ◽  
Perceived Behavioral Control ◽  
Content Type ◽  
Southeastern Us

Purpose This study aims to test the utility of the theory of planned behavior (TPB) for explaining intention to eat a healthful diet in a sample of Southeastern US office workers. Design/methodology/approach Participants in a worksite nutrition study (n = 357) were invited to complete an online questionnaire including measures of TPB constructs at baseline. The questionnaire included valid and reliable measures of TPB constructs: behavioral beliefs, normative beliefs, control beliefs, attitudes toward behavior, subjective norm, perceived behavioral control and intention. Data were collected from 217 participants (60.8 per cent response rate). Confirmatory factor analysis and structural equation modeling were conducted to test the hypothesized TPB model. Findings The model fit was satisfactory (χ2 = p < 0.0001, RMSEA = 0.06, CFI = 0.91, TLI = 0.90, SRMR = 0.09). All structural relationships between TPB constructs were statistically significant in the hypothesized direction (p < 0.05). Attitude toward behavior, subjective norm and perceived behavioral control were positively associated with intention (R2 = 0.56). Of all TPB constructs, the influence of perceived behavioral control on intention was the strongest (β = 0.62, p < 0.001). Originality/value Based on this sample of Southeastern US office workers, TPB-based interventions may improve intention to eat a healthful diet. Interventions that strengthen perceived control over internal and external factors that inhibit healthful eating may be particularly effective in positively affecting intention to eat a healthful diet, and subsequent food intake.

The role of subjective norms in theory of planned behavior in the context of organic food consumption

2014 ◽  
Vol 116 (10) ◽  
pp. 1561-1580 ◽  
Author(s):  
Abdullah Al-Swidi ◽  
Sheikh Mohammed Rafiul Huque ◽  
Muhammad Haroon Hafeez ◽  
Mohd Noor Mohd Shariff
Keyword(s):  
Theory Of Planned Behavior ◽  
Planned Behavior ◽  
Structural Equation ◽  
Organic Food ◽  
Subjective Norms ◽  
Equation Modeling ◽  
Perceived Behavioral Control ◽  
Moderating Effects ◽  
Content Type

Purpose – The purpose of this paper is to investigate the applicability of theory of planned behavior (TPB) with special emphasis on measuring the direct and moderating effects of subjective norms on attitude, perceived behavioral control and buying intention in context of buying organic food. Design/methodology/approach – Structured questionnaires were randomly distributed among academic staffs and students of two universities in southern Punjab, Pakistan. Structural equation modeling was employed to test the proposed model fit. Findings – Results of the study showed that subjective norms significantly moderate the relationship between attitudes and buying intention as well as between perceived behavior control and buying intention. Furthermore, subjective norms significantly influence attitude toward buying intention. Practical implications – The paper provides useful insights for the academics and marketers. Academics may further explore the role of subjective norms in order to have a better understanding of their effects on TPB components. Whereas, marketers can target the opinion leaders and reference groups to increase the demand of organic food. Originality/value – Majority of previous studies overlooked the role of subjective norms in determining the buying intentions with respect to organic food. The striking feature of this study is an in-depth emphasis on exploring the direct and moderating effects of subjective norms on the elements of TPB. Moreover, to the best of authors’ knowledge, this is a pioneer study that comprehensively examines the linkage of components of TPB with organic food purchasing in Pakistan.

scholarly journals Investigating the Critical Factors of Professionals’ BIM Adoption Behavior Based on the Theory of Planned Behavior

2021 ◽  
Vol 18 (6) ◽  
pp. 3022
Author(s):  
Zezhou Wu ◽  
Mingyang Jiang ◽  
Heng Li ◽  
Xiaochun Luo ◽  
Xiaoying Li
Keyword(s):  
Theory Of Planned Behavior ◽  
Planned Behavior ◽  
Latent Variables ◽  
Structural Equation ◽  
Goodness Of Fit ◽  
Reliability And Validity ◽  
Information Modeling ◽  
Equation Modeling ◽  
Critical Factors ◽  
Building Information

In recent years, building information modeling (BIM) has been receiving growing interest from the construction industry of China. Nevertheless, although BIM has many foreseeable advantages, many studies claimed that these advantages have not been sufficiently achieved in practice at the current stage. In this circumstance, it is interesting to investigate what really drives the adoption of BIM. Based on Ajzen’s theory of planned behavior (TPB), a hypothetical model which involves nine latent variables is initially established. Then, a questionnaire is designed and distributed to the construction professionals in the Chinese context. After reliability and validity analysis, the goodness-of-fit of the initial model and the related theoretical assumptions are tested through structural equation modeling (SEM). Based on the modification indicators, a modified model is finally derived. Results show that economic viability and governmental supervision are the most critical factors that influence construction professionals’ BIM adoption behavior in China, sharing weights of 0.37 and 0.34, respectively, whereas other factors play limited roles in this regard. The research findings revealed from this study can provide insightful references for countries that intend to promote BIM adoption in a similar circumstance.

scholarly journals Determinants of intention to improve oral hygiene behavior among students based on the theory of planned behavior: A structural equation modelling analysis

PLoS ONE ◽  
2021 ◽  
Vol 16 (2) ◽  
pp. e0247069
Author(s):  
Kegnie Shitu ◽  
Mekuriaw Alemayehu ◽  
Yvonne A. B. Buunk-Werkhoven ◽  
Simegnew Handebo
Keyword(s):  
Theory Of Planned Behavior ◽  
Planned Behavior ◽  
Oral Hygiene ◽  
Structural Equation ◽  
Statistical Significance ◽  
Equation Modeling ◽  
P Value ◽  
Hygiene Behavior ◽  
Tpb Model ◽  
Oral Hygiene Behavior

Introduction The prevalence of oral hygiene behaviors (OHB) is very low among school children in Ethiopia. However, the determinants of student’s readiness/intention to perform those behaviors have been remained unstudied. Objective This study aimed to identify the determinants of oral hygiene behavioral intention (OHBI) among preparatory school students based on the theory of planned behavior (TPB). Methods and materials An institution-based cross-sectional study was conducted among 393 students. A 98-item self-administered questionnaire was used to evaluate oral hygiene knowledge (OHK), oral hygiene behavior (OHB), and OHBI based on TPB variables [attitude (ATT), subjective norms (SN) and perceived behavioral control (PBC)]. Descriptive statistics and structural equation modeling analysis (SEM) were employed to confirm relationships and associations among study variables. A p-value of less than 0.05 and a 95% confidence interval were used to declare statistical significance. Results A total of 393 students were participated with a response rate of 97.5%. The mean age of the participants (54% females) was 18 (± 1.3) with an age range of 16 to 24. The TPB model was well fitted to the data and explained 66% of the variance in intention. ATT (β = 0.38; 95% CI, (0.21, 0.64)), SN (β = 0.33; 95% CI, (0.05, 0.83)) and PBC (β = 0.29; 95% CI, (0.13, 0.64)) were significant predictors of OHBI, where ATT was the strongest predictor of OHBI. Conclusion The TPB model explained a large variance in the intention of students to improve their OHB. All TPB variables were significantly and positively linked to stronger intent, as the theory suggests. Furthermore, these results suggest that the model could provide a framework for oral hygiene promotion interventions in the study area. Indeed, these interventions should focus on changing the attitudes of students towards OHB, creation of positive social pressure, and enabling students to control over OHB barriers.

The role of UTAUT, DOI, perceived technology security and game elements in internet banking adoption

2018 ◽  
Vol 15 (4) ◽  
pp. 338-356 ◽  
Author(s):  
Samar Rahi ◽  
Mazuri Abd. Ghani
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Explanatory Power ◽  
Internet Banking ◽  
Integrated Model ◽  
Matrix Analysis ◽  
Equation Modeling ◽  
Content Type ◽  
Intention To Adopt ◽  
Game Elements

Purpose The increasing innovation and urgent need of up-to-date and convenient information systems have gained high importance in financial sector. Several banks have deployed internet banking in order to reduce cost while improving customer services. Therefore, the growth of internet banking is limited and in many cases fallen short of expectations. The purpose of this paper is to develop an integrated model that combines technology, innovative and environmental factors altogether in order to understand customer’s intention to adopt, and intention to recommend internet banking in social networks. Design/methodology/approach In all, 398 valid responses were collected from customers of commercial banks, using convenience sampling approach. Data were analyzed using the structural equation modeling. Findings The findings show that integrated model has good explanatory power (78.3 percent) to predict customer’s intention to adopt internet banking. Findings also revealed that the interaction effect of gamification between user’s intention to adopt and user’s intention to recommend internet banking will be stronger when gamification effect is higher. Importance performance matrix analysis (IPMA) revealed that innovativeness and perceived technology security were the most important factors in order to determine user’s intention with regard to adoption of internet banking. Practical implications For policy-makers, it is suggested that they should focus on innovative characteristics and must ensure the possible environment for carrying out internet banking transaction. Advertising about new technology with adequate information may produce positive influence on user’s intention. Enjoyable internet banking website with reward system will help to improve user’s intention to adopt and intention to recommend internet banking with others, thus developers should introduce game features on internet banking website. Originality/value This study provides basis for further refinement of individual technology acceptance models and enrich the e-commerce literature adding innovative and game elements in interne banking adoption context. Additionally, the proposed model makes an important contribution in emerging e-commerce literature especially in the context of innovative and gamified internet banking.

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