Mobile-banking adoption: empirical evidence from the banking sector in Pakistan

2018 ◽  
Vol 36 (7) ◽  
pp. 1386-1413 ◽  
Author(s):  
Maya F. Farah ◽  
Muhammad Junaid Shahid Hasni ◽  
Abbas Khan Abbas
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Banking Sector ◽  
Perceived Value ◽  
Equation Modeling ◽  
Mobile Banking ◽  
Content Type ◽  
Actual Use ◽  
Use Behavior ◽  
The Impact

Purpose The purpose of this paper is to study the important factors which help explain consumer intention and use behavior in mobile banking (m-banking) adoption. All constructs of the unified theory of acceptance and use of technology 2 are studied. Non-monetary value is studied through perceived value. Trust and perceived risk are also included to predict intention. Design/methodology/approach A questionnaire was utilized to evaluate customer responses on a five-point Likert scale. A convenience sampling technique was used to collect data from a sample of 490 respondents in Pakistan. The data were analyzed using AMOS and SPSS for Cronbach’s α, CR, CMV, AVE, Harmon’s single factor test, correlation and structural equation modeling. Findings The results of the study show that most of the predictors of intention, including perceived value, performance expectancy, habit, social influence, effort expectancy, hedonic motivation (except for facilitating condition), perceived risk and trust, are significant. All predictors of usage behavior are significant. Research limitations/implications A cross-sectional study was conducted due to time constraints. Practical implications Bank managers must focus on improving customers’ intentions to use m-banking as well as on providing facilitating conditions to increase its actual use. To boost mobile banking, banks’ management must consider the customers’ habits while designing their m-banking products. Originality/value The findings of this paper are not only interesting in terms of boosting m-banking diffusion rate, but also in terms of financial inclusion of the vast majority of mobile users. Further the impact of intention, facilitating condition and habit were checked on actual use behavior since people tend not always to act upon their intentions.

Impacts of consumers’ perceived risks in eco-design packaging on food wastage behaviors

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Tian Zeng
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Equation Modeling ◽  
Knowledge Gap ◽  
Content Type ◽  
Perceived Risks ◽  
Health Consciousness ◽  
The Impact ◽  
Practical Implications ◽  
Food Wastage

PurposePackaging links products to consumers by delivering messages to promote healthy food consumption and reduce wastage. However, studies point to a knowledge gap and skepticism among consumers regarding the impact of eco-design packaging on food wastage reduction. To demystify this skepticism and fill the knowledge gap, this study aims to examine consumers’ perceived risks in eco-design packaging and their impact on consumer food wastage.Design/methodology/approachA survey was conducted to identify consumer-perceived risks in eco-design packaging and explain whether, and why, some dimensions of perceived risk are more influential on consumer food wastage decisions.FindingsConsumers are prevented by financial, physical, functional, temporal and social factors from adopting eco-design packaging. Through structural equation modeling, we find consumer perceived risks in eco-design packaging influence their food wastage decisions through health consciousness and environmental awareness.Practical implicationsThis study provides practical suggestions for packaging manufacturers, the food industry and policymakers.Originality/valueDrawing on the perceived risk theory, this research highlights that the impacts of consumer-perceived risks differ, depending on the dimensions considered in their food wastage decision.

Stand by me: analyzing the tourist–intelligent voice assistant relationship quality

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Sandra Maria Correia Loureiro ◽  
Arnold Japutra ◽  
Sebastian Molinillo ◽  
Ricardo Godinho Bilro
Keyword(s):  
Relationship Quality ◽  
Social Exchange ◽  
Structural Equation ◽  
Perceived Value ◽  
Self Esteem ◽  
Equation Modeling ◽  
Content Type ◽  
The Impact ◽  
The Relationship

Purpose This paper aims to explore tourist perceived value and attachment to intelligent voice assistants (IVAs) as antecedents of the quality of the human–IVA relationship in the hospitality domain. This research also examines the moderating role of psychological factors (self-esteem) and knowledge factors (past experience and technology expertise) in the relationships between antecedents and relationship quality. Design/methodology/approach The researchers conducted two quantitative studies, collecting data via online surveys in Mechanical Turk (n1 = 124 and n2 = 281). The proposed model was tested using partial least squares structural equation modeling. Findings The first study uncovers that tourist perceived value is the main influence on the quality of the relationship between tourists and IVAs. The second study confirms the direct relationships of the first and shows that self-esteem and technology expertise act as moderators. Practical implications This study advances the understanding of the tourism and hospitality stakeholders in using modern technologies (e.g. IVAs). Through comprehending the relationship building between individuals and IVAs, the stakeholders will be able to craft better strategies. Originality/value The study extends the attachment and social exchange theories to the tourist–IVA relationship context. Specifically, this research demonstrates the impact of tourist perceived value on the quality of the relationship with the IVA. It also points out that tourists’ self-esteem and technology expertise can weaken the tourist–IVA relationship.

The impact of the student–instructor relationship on student-centric measures

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Matti Haverila ◽  
Kai Christian Haverila
Keyword(s):  
Student Satisfaction ◽  
Behavioral Intentions ◽  
Structural Equation ◽  
Business Students ◽  
Perceived Value ◽  
Equation Modeling ◽  
Value For Money ◽  
Content Type ◽  
The Impact ◽  
Student Instructor

PurposeOn the basis of the justice, attachment, social support, self-determination theories, this research paper examines the impact of the student–instructor relationship construct on the customer-centric measures of overall student satisfaction, and perceived value for money and their impact of the behavioral intentions as an endogenous construct. We considered universities as providers of complex services focusing on students' service quality and students as the customers of the higher education institutions.Design/methodology/approachA survey instrument was used to collect data among undergraduate and graduate business students in a medium-sized Canadian university (N = 178). Partial least squares structural equation modeling was used to analyze the strength, significance, and effect sizes of the relationships between the key constructs.FindingsThe results indicate that the student–instructor relationship is significantly related to student satisfaction and value for money perceptions. Also, the student satisfaction and behavioral intentions, value for money and student satisfaction, and value for money and behavioral intentions relationship were significant.Originality/valueThe perceived quality of student–instructor relationship and its relationship to customer-centric measures like satisfaction, value for money and behavioral intentions has received relatively little attention in previous research and was discovered to be an important contributor to the perceived student satisfaction and value for money. The importance of the student–instructor relationship is further emphasized indirectly via the perceived value for money construct to student satisfaction.

The impact of transformational leadership on employees’ creativity

2018 ◽  
Vol 41 (1) ◽  
pp. 113-132 ◽  
Author(s):  
Taghrid S. Suifan ◽  
Ayman Bahjat Abdallah ◽  
Marwa Al Janini
Keyword(s):  
Transformational Leadership ◽  
Organizational Support ◽  
Structural Equation ◽  
Perceived Organizational Support ◽  
Banking Sector ◽  
Mediating Effect ◽  
Equation Modeling ◽  
Content Type ◽  
The Impact ◽  
The Relationship

Purpose The purpose of this paper is to examine the effect of transformational leadership on employees’ creativity in the Jordanian banking sector through the mediating effect of perceived organizational support. Design/methodology/approach The study is based on survey data collected from 369 employees working in Jordanian banks. Validity and reliability analyses were performed, and direct and indirect effects were tested using structural equation modeling. Findings The results indicate that transformational leadership positively affects some dimensions of employees’ creativity and perceived organizational support. However, perceived organizational support is found to not be significantly related to some dimensions of employees’ creativity. Additionally, the mediating effect of perceived organizational support on the relationship between transformational leadership and some dimensions of employees’ creativity is found to not be significant. Originality/value This paper is one of the first to examine the relationship between transformational leadership and employees’ creativity through perceived organizational support, especially in an Arab country and in the banking sector.

Consequences of customer engagement and customer self-brand connection

2018 ◽  
Vol 32 (4) ◽  
pp. 387-399 ◽  
Author(s):  
Miguel Ángel Moliner ◽  
Diego Monferrer-Tirado ◽  
Marta Estrada-Guillén
Keyword(s):  
Financial Performance ◽  
Structural Equation ◽  
Banking Sector ◽  
Physical Contact ◽  
Customer Engagement ◽  
Equation Modeling ◽  
Content Type ◽  
New Information ◽  
Empirical Perspective ◽  
The Impact

Purpose The purpose of this paper is to analyze the impact of the customer engagement and customer self-brand connection on customer advocacy and firms’ financial performance. The research focuses on the financial sector and studies a complex organization with a uniform strategy, but which attends the public in different centers (bank branches). Design/methodology/approach A theoretical model of effects is tested using dyadic methodology, with 225 dyads (bank branch manager – average of five customers). The authors use structural equation modeling (EQS6.1) to test the relationships. Findings The results corroborate the hypotheses, with the exception of the influence of customer self-brand connection on financial performance. These analyses show that in the banking sector, where the intensive use of new information and technologies has led to a reduction in direct physical contact with the customer, the off-line experience continues to have a notable economic impact. Furthermore, investment in the brand from an experiential approach determines customer advocacy. Originality/value The contribution of this paper is twofold. This research analyzes from a theoretical and empirical perspective the impact of the customer engagement and customer self-brand connection on customer advocacy and firms’ financial performance.

WTPP for ecotourism: the impact of intention, perceived value, and materialism

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Nhung Thi Hoai Duong ◽  
Nguyen Khanh Chi ◽  
Hanh Thi Nguyen ◽  
Ngan Thi Kim Nguyen ◽  
Chi Phuong Nguyen ◽  
...  
Keyword(s):  
Structural Equation ◽  
Perceived Value ◽  
Equation Modeling ◽  
Target Market ◽  
Actual Behavior ◽  
Content Type ◽  
Ecological Sites ◽  
Customer Base ◽  
The Impact ◽  
Practical Implications

PurposeThis study examines the impact of perceived value, materialism and tourist intention on willingness to pay a premium for ecotourism (WTPP).Design/methodology/approachData were collected and conducted in Vietnamese National Parks. The dataset consists of 927 valid responses by domestic travelers. Structural equation modeling (SEM) was used to test the proposed relationships among perceived value, materialism, tourist intention and tourists' WTPP.FindingsThis study found a significant positive effect of perceived value on both tourist intention and their WTPP. The results also indicated that materialism is revealed to have a totally negative influence on WTPP for ecotourism; its indirect effect is transmitted through tourist intention. These findings highlight that tourists are mainly attracted when they received unique information about eco-destination. Therefore, they tend to participate in ecotourism and decide to pay for ecotourism.Research limitations/implicationsFirst, the study findings contribute strategies for tourism providers in their marketing activities by segmenting the target market which can be based on tourists with materialistic and nonmaterialistic. Second, ecotourism marketers need to focus on increasing the unique image of ecological sites. These efforts will create a favorable action for tourists. Third, ecotourism providers might increase the prospective customer base among consumers who have materialistic behaviors. Furthermore, they can provide ecotourism promotion materials for targeting customers. Finally, government needs to consider strategies designed to enhance the eco-destination places and environmental intention.Practical implicationsFirst, the study has not compared the efficacy of two different measures which are affective and cognitive items in perceived value construct. Second, this research does not discuss about the interrelationships among other factors influencing tourists' WTPP. Third, the customers' demographic characteristics in this study did not explore because the difference on gender may be perceived differently in analyzing advertising. Fourth, this study was conducted in Vietnam, not in different countries and other different cultures.Originality/valueThis study investigates the impact of perceived value and materialism on ecotourism intention and tourists' WTPP for ecotourism. This study reveals the understanding of how individuals' concern about the value of ecological sites and influences their intention to actual behavior in engaging ecotourism. Significant practical implications are also provided for ecotourism providers, marketers and government. In general, government needs to consider strategies designed to enhance the eco-destination places and environmental intention. Ecotourism marketers need to focus on increasing the unique image of ecological sites. These efforts will create a favorable action for tourists. Otherwise, ecotourism providers might increase the prospective customer base among consumers who have materialistic behaviors. Furthermore, they can provide ecotourism promotion materials for targeting customers.

The influence of green packaging on consumers’ green purchase intention in the context of online-to-offline commerce

2021 ◽  
Vol 23 (2) ◽  
pp. 133-153
Author(s):  
Cheng Pan ◽  
Yu Lei ◽  
Jiang Wu ◽  
Yuee Wang
Keyword(s):  
Perceived Risk ◽  
Purchase Intention ◽  
Structural Equation ◽  
Online Survey ◽  
Perceived Value ◽  
Equation Modeling ◽  
Product Packaging ◽  
Content Type ◽  
Green Packaging ◽  
O2o Commerce

Purpose The purpose of this study is to develop a theoretical framework to explore the influence of green packaging on green purchase intention in the context of online-to-offline (O2O) commerce and to discuss the indirect effects of perceived value, perceived risk and green satisfaction. Design/methodology/approach To cast light on the factors affecting consumers’ intention to purchase in the context of O2O commerce, 295 valid questionnaire responses of O2O consumers in China were collected via an online survey. Data analysis was performed based on structural equation modeling. Findings The empirical results indicated that green packaging significantly affects consumers’ green purchase intention in the O2O commerce context indirectly through perceived value, perceived risk and green satisfaction. Moreover, green loyalty positively and significantly moderates the effects of perceived value, perceived risk and green satisfaction on green purchase intention. Originality/value Research on product packaging has mainly focused on investigating packaging materials, designs, functions and applications but has rarely examined how product packaging affects consumers’ purchase intention in the context of O2O commerce. Moreover, although previous studies have explored the roles of perceived value and perceived risk on purchase intention, they have not investigated the effects of environmental concerns and commerce context. This study attempts to fill these research gaps.

Understanding perceived risks in mobile payment acceptance

2015 ◽  
Vol 115 (2) ◽  
pp. 253-269 ◽  
Author(s):  
Yongqing Yang ◽  
Yong Liu ◽  
Hongxiu Li ◽  
Benhai Yu
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Financial Risk ◽  
Perceived Value ◽  
Value Theory ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Negative Effects ◽  
Content Type ◽  
Risk Dimensions

Purpose – The purpose of this paper is to examine and quantify how various uncertainties result in different perceived risk dimensions that hinder mobile payment (m-payment) acceptance. Design/methodology/approach – An uncertainty-risk-value framework was proposed based on perceived risk theory, prospect theory, and perceived value theory. Structural equation modeling method was used to test the research model. Findings – Perceived information asymmetry, perceived technology uncertainty, perceived regulatory uncertainty, and perceived service intangibility are confirmed as the main determinants of perceived risk, while perceived performance risk, perceived financial risk, and perceived privacy risk were found to have strong negative effects on perceived value and acceptance intention. Practical implications – The findings may help businesses and policy makers better understand the sources of perceived risk and help support the development of appropriate strategies to mitigate the risk concerns consumers have regarding m-payment. Originality/value – Although the hindering effects of perceived risk regarding m-payment acceptance have been confirmed in previous studies, the sources of perceived risk were rarely investigated. By examining the determinants of perceived risk in m-payment acceptance, this paper offers insights into how consumers perceive risks when adopting new innovations. Additionally, it bridges the gap between the antecedents and consequences of perceived risk.

scholarly journals Toward a contagion-based model of mobile banking adoption

2019 ◽  
Vol 37 (1) ◽  
pp. 69-96 ◽  
Author(s):  
Walid Chaouali ◽  
Kamel El Hedhli
Keyword(s):  
Structural Equation ◽  
Social Influences ◽  
Online Banking ◽  
Integrative Model ◽  
Equation Modeling ◽  
Mobile Banking ◽  
Content Type ◽  
Automated Teller Machines ◽  
Self Service ◽  
The Impact

Purpose The purpose of this paper is to address the following question: Can a bank capitalize on its well-established self-service technologies (SSTs) in order to entice customers to adopt a newly introduced SST, namely, mobile banking? More specifically, it proposes an integrative model that simultaneously investigates the transference effects of attitudes, trust and the contagious influences of social pressures on mobile banking adoption intentions. Design/methodology/approach Structural equation modeling is applied to data collected from banks’ clients who are actually non-users of mobile banking. Findings The results indicate that attitude toward and trust in mobile banking along with coercive, normative and mimetic pressures are key antecedents to mobile banking adoption intentions. In addition, attitudes toward automated teller machines (ATMs) and online banking significantly predict attitude toward mobile banking. The results also support the effects of trust in ATMs as well as trust in online banking on trust in mobile banking. Moreover, predicted differences in the relative effects of attitude and trust are supported. Particularly, attitude toward online banking has a stronger impact on attitude toward mobile banking compared to the impact of attitude toward ATMs. In the same vein, the effect of trust in online banking on mobile banking is significantly stronger than the effect of trust in ATMs. Practical implications The study’s results hint at some practical and worthwhile guidelines for banks that can be leveraged in communication campaigns aiming at boosting the adoption rates of mobile banking. Banks can take advantage of the transference effects of the established attitudes toward and trusting beliefs in their mature SSTs as well as the contagious social influences in inducing the adoption of a newly introduced SST. Originality/value The present study represents a first step toward generating new insights into the role of the joint effects of attitudes, trust and social influences in the adoption of a new SST.

Factors influencing travelers’ behavioral intentions to use P2P accommodation based on trading activity: Airbnb vs Couchsurfing

2019 ◽  
Vol 13 (4) ◽  
pp. 487-504 ◽  
Author(s):  
Daniel Tumpal H. Aruan ◽  
Felicia Felicia
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Online Survey ◽  
Perceived Value ◽  
Sharing Economy ◽  
Equation Modeling ◽  
Trading Activity ◽  
Content Type ◽  
Accommodation Sector ◽  
Major Factors

Purpose The growth of information and communication technology and the appearance of the sharing economy have affected the market. This trend will potentially create a competitive transformation, especially in the accommodation sector. While Airbnb has become the leader in the sharing economy, more competitors are coming into the market, some with different business propositions and positioning strategies, thereby offering different points of differences (PODs). The purpose of this study is to identify and compare the factors that influence the usage of peer-to-peer (P2P) accommodation services for trading activity (renting vs lending), particularly between Airbnb and Couchsurfing. More specifically, this study examines the causal relationships among some major factors that influence customers’ purchase intentions, such as perceived risk, perceived value, price sensitivity and word of mouth. Design/methodology/approach A total of 400 millennial respondents – 200 for each service – who have used the respective mobile applications participated in the online survey. Using structural equation modeling, the analysis revealed that the model acts differently across the groups. Findings The results revealed that Airbnb respondents paid more attention to perceived risks when booking the accommodation, thus indicating that they are more risk-averse, whereas Couchsurfing’s users sought the perceived value that they would receive at the destination. Practical implications The findings of this study are beneficial for Airbnb and Couchsurfing in particular and players in the industry in general. Originality/value This study reveals that factors that influence the intention to use the sharing economy platform work differently based on the form of trading activities.

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