Exploring the relationship between lifestyle, digital financial element and digital financial services experience

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Dhananjay Bapat
Keyword(s):  
Financial Services ◽  
Structural Equation ◽  
Quantitative Research ◽  
Ease Of Use ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Quantitative Research Methods ◽  
Qualitative And Quantitative ◽  
The Relationship

PurposeThe purpose of this study is to explore digital financial services experience, investigate the antecedents to digital financial services experience and examine familiarity as a moderator.Design/methodology/approachThe study uses dual methods: qualitative and quantitative. Multiple case studies are applied as a qualitative method to explore and capture recent development in rapidly changing digital finance. An empirical, survey-based approach is used to collect data from 258 respondents about their experiences with digital financial services experience using constructs, such as perceived ease of use, timeliness, lifestyle and digital financial element. The study used structural equation modeling using smart-PLS.FindingsUsing word count, hierarchy chart, items clustered by similarity and qualitative analysis by applying NVivo 12, the study validates the constructs and captures recent developments. Using smart PLS, the structural equation model reveals that the digital functional element positively affects the digital financial services experience. It is observed that lifestyle mediated between perceived ease of use and timeliness with digital financial services experience. Further, familiarity moderates the relationship between the digital financial element and digital financial services experience. Moreover, while this research analyzed the relationship regarding financial services customers, we suggest a comparative study between different entities.Originality/valueThe study can be considered one of its kind using qualitative and quantitative research methods. It integrates theory from both the information system and marketing domain. As the increased number of digital channels and interfaces has increased, companies need to understand how to improve the digital financial services experience.

Will proximity mobile payments substitute traditional payments? Examining factors influencing customers' switching intention during the COVID-19 pandemic

2022 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Hong-Lei Mu ◽  
Young-Chan Lee
Keyword(s):  
Structural Equation ◽  
Study Data ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Mobile Payments ◽  
The Relationship

PurposeThe objective of this study is twofold: first, to investigate the determinants of customers' switching intention from traditional payments to proximity mobile payments (PMPs) during the COVID-19 pandemic for specific insight on how these factors shape customers' switching intentions; second, this study discusses the relationship between traditional payments and PMP services.Design/methodology/approachThe study data were collected from individual customers who used both traditional payments and PMP in a physical store during the COVID-19 pandemic. Structural equation modeling (SEM) was applied to analyze the validity of the variables and the causal relationships among variables based on 305 valid data.FindingsThe results show that the factor of traditional payments, that is, dissatisfaction positively and significantly influenced customers' switching intention. Factors of PMP, namely perceived usefulness (PUF) and perceived ease of use (EOU), positively and significantly impacted switching intention. In addition, the relationship between traditional payments and PMP, that is, low perceived substitutability was found to negatively influence switching intention, PUF and EOU.Research limitations/implicationsFirst, the study targets are customers with experience in using PMP after the COVID-19 pandemic. It is suggested to compare customers who had experience using PMP before and after the COVID-19 pandemic. Second, although cash and bank cards belong to the category of traditional payments, they have different degrees of contact when transactions occur. The contact rate of bank cards is lower than that of cash. This study did not differentiate between cash and bank cards, which is the main limitation.Originality/valueFirst, this study provides a reference to examine mobile payment usage from the perspective of both incumbent and alternative services conjointly under emergency situations, especially during the COVID-19 pandemic. Second, the application of migration theory to the context of mobile payment extends existing research on mobile payment. Third, this study is among the first to investigate the relationship between traditional payments and PMP.

Examining the intentions of a Ghanaian technical university students to use e-library

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Eugene Okyere-Kwakye ◽  
Khalil Md Nor
Keyword(s):  
University Students ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Library Resources ◽  
Technical University

Purpose Electronic library (E-library) is a form of computer mediated system that uses electronic media, such as Web/internet devices and distributes resources to improve on the quality of teaching and learning. Students’ use of e-library for learning is essential and as such the government has invested hugely into its subscription for several university libraries in Ghana. However, most university students feel reluctant to use the e-library resources for their studies. The purpose of this paper is therefore to examine the factors that influence students’ intention to use e-library resources for their studies. Design/methodology/approach Questionnaire was used to collect data from 200 students from one Technical University in Ghana. Structural equation modeling (SmartPLS) was used to analyze the data. Findings The study found that accessibility, attitude, perceived ease of use, perceived usefulness and relevance to studies have positive significant effect on students’ attitude to use e-library. In addition, self-efficacy, subjective norm and attitude have positive significant influence on students’ intention to use e-library. Research limitations/implications Although the sample frame used for this study may be unique, but the total amount of data collected was limited to providing the general representative of the Ghanaian students in one particular university. Other researchers may consider collecting data from other universities to extend the sample frame for a larger sample size of students. Practical implications Academic administrators need to organize training and workshops on how to use the e-library portal for their search and other didactic assignments. Most importantly, students should be given IT or internet tutorials as foundation for the use of the e-library portal. Social implications Universities have to provide internet access such as hotspot and network routers at the labs, classrooms and other vantage points. It is believed that with these in place, adequate access to the internet would promote students’ engagement on the e-library facility. Originality/value The study examines the factors that influence students’ intention to use e-library resources for their studies in Ghana.

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.

Exploring donor's intention in charitable crowdfunding: intrinsic and extrinsic motivations

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Yuangao Chen ◽  
Ruyi Dai ◽  
Lu Wang ◽  
Shuiqing Yang ◽  
Yixiao Li ◽  
...  
Keyword(s):  
Structural Equation ◽  
Online Survey ◽  
Ease Of Use ◽  
Theory And Practice ◽  
Self Determination ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Positive Effects ◽  
Intrinsic Motivations

PurposeThis study adopts self-determination theory and stimulus-organism-response framework to develop a model that explores the motivations of such donors by considering their self-determination needs and extrinsic and intrinsic motivations.Design/methodology/approachBased on online survey data collected from 436 crowdfunding donors in China, this study follows a structural equation modeling analysis to test hypotheses.FindingsThe results indicate that perceived ease of use, perceived self-efficacy and social connection have positive effects on the donation intentions of backers through a combination of extrinsic and intrinsic motivations.Originality/valueThe findings shed light on various extrinsic and intrinsic motivations advancing knowledge of individual fund motivation in donation-based crowdfunding and provide guidelines for the development of donation-based crowdfunding theory and practice.

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.

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.

Antecedents and consequences of e-shopping: an integrated model

2015 ◽  
Vol 25 (2) ◽  
pp. 184-217 ◽  
Author(s):  
Weng Marc Lim
Keyword(s):  
Structural Equation ◽  
Perceived Value ◽  
Integrated Model ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Main Research ◽  
Antecedents And Consequences

Purpose – The purpose of this paper is to present an integrated information systems–consumer behavior (IS-CB) model for e-shopping to examine the antecedents and consequences of e-shopping and usage behavior. Design/methodology/approach – The study tests 320 usable responses collected from e-shoppers against the integrated model using structural equation modeling. Findings – The main research results support the use of antecedents of e-shopping acceptance and usage by drawing from unified knowledge of IS and CB underpinnings. The findings show the significance of perceived value, social factors, perceived ease of use, perceived usefulness, entertainment gratification (EG), web irritation (WI), emotional state, and web atmospherics (WA) in the process of e-shopping. Practical implications – The results suggest that e-retailers should establish positive perceived value in consumers’ minds and uphold trust to foster favorable attitudes and intentions toward e-shopping and actual e-shopping purchase. Proper and good construction of WA can lead to useful and easy-to-use e-shopping sites, EG, and minimization of WI. Capitalizing on online social influences also would be an advantage. Originality/value – This paper bridges a gap in the studies of IS and CB, contributing to a more comprehensive understanding of the influence of IS and CB antecedents on acceptance and usage of e-shopping.

Image, performance, attitudes, trust, and loyalty in financial services

2018 ◽  
Vol 36 (4) ◽  
pp. 744-763 ◽  
Author(s):  
Mehdi Akhgari ◽  
Edward R. Bruning ◽  
Jesse Finlay ◽  
Nealia S. Bruning
Keyword(s):  
Executive Compensation ◽  
Relationship Quality ◽  
Financial Services ◽  
Structural Equation ◽  
Positive Association ◽  
Equation Modeling ◽  
Negative Effects ◽  
Content Type ◽  
Quasi Experimental ◽  
The Relationship

PurposeThe purpose of this paper is twofold: first, to determine the extent to which hedonic and utilitarian attitudes and loyalty are influenced by perceived financial performance (PFP) and executive compensation plan image (ECPI) in financial services; second, the authors evaluate relationships among hedonic and utilitarian attitudes, trust, and loyalty.Design/methodology/approachUsing a quasi-experimental design in Study 1 the authors test the relationship between antecedents (PFP and ECPI) and relational elements (attitudes, trust, and loyalty) to address the first objective. To accomplish the second objective, the authors employ structural equation modeling in Study 2 to test the relationship among hedonic and utilitarian attitudes, trust, and loyalty.FindingsStudy 1 confirms that PFP and ECPI positively impact both hedonic and utilitarian attitudes but do not directly affect loyalty. Study 2 demonstrates a positive association between utilitarian attitudes and trust, although the hedonic attitudes-trust relationship is negative. Hedonic attitudes are also significantly related to utilitarian attitudes. Finally, trust mediates the relationship between attitudes and loyalty.Practical implicationsBuilding customer trust is an important correlate of loyalty, and emphasizing an attribute-based aspect of perceived financial service generates greater trust compared to enhancing a non-attribute aspect (i.e. minimizing negative effects on image of executive compensation plans).Originality/valueThe authors link attitude research to service/relationship quality research and discover that attitudes are indirectly related to loyalty through increases in trust. The findings suggest that perceived image and performance of financial services are important to relationship quality when applied to financial services.

scholarly journals Factors influencing consumers' rejection to smartphone transactions in the lodging industry

2020 ◽  
Vol 34 (1) ◽  
pp. 29-40
Author(s):  
Stephanie Bae ◽  
Jun Mo Kwon ◽  
Alyssa Bosley
Keyword(s):  
Structural Equation ◽  
Online Survey ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Lodging Industry ◽  
Equation Modeling ◽  
Smartphone Apps ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Hotel Room

PurposeThe main purpose of this study is to investigate what affects a customer's decision to use the hotel smartphone applications when he/she makes a room reservation.Design/methodology/approachA total of 266 usable data was collected through an online survey. The research model was tested using confirmatory factor analyses and structural equation modeling.FindingsThis study revealed that perceived usefulness, perceived credibility, perceived equipment risk, and perceived change risk affected customers' intention to book a hotel room using hotel smartphone apps. Perceived ease of use did not have a significant effect on behavioral intention.Originality/valueThis study extended TAM and the existing literature of mobile technology in the lodging industry. This article explored both existing variables and new variables in studying customers' intention to use hotel smartphone apps when booking a hotel room.

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.

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