Analyzing user perspective on the factors affecting use intention of mobile based transfer payment

2016 ◽  
Vol 26 (1) ◽  
pp. 38-56 ◽  
Author(s):  
Parijat Upadhyay ◽  
Saeed Jahanyan
Keyword(s):  
Service Providers ◽  
Value Added ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Transfer Payment ◽  
System Quality ◽  
Content Type ◽  
Factors Affecting ◽  
Validated Questionnaire ◽  
Payment Services

Purpose – This study makes an integrated approach in identifying the factors affecting usage intention of mobile-based payment services. Such services are being marketed aggressively by cellular service providers and are different from usual mobile-based banking. The study incorporates prominent factors like the technical characteristics, technology-specific characteristics, user-specific characteristics, and task-specific characteristics and others from published literature. The purpose of this paper is to highlight those factors which have significant impact on the adoption of such service so that the adoption rate can be increased. Design/methodology/approach – A nationwide primary survey was conducted using validated questionnaire requesting response for the factors obtained from published literature. In total, 196 respondents participated in the survey. Totally, 11 hypotheses were formulated and statistically tested for their significance in context to the study. Confirmatory study was on the significant factors and a model has been proposed. Findings – The study finds that factors like perceived usefulness, perceived ease of use, system quality, connectivity, discomfort, task-technology fit and structural assurance have significant impact on the usage intention of mobile money services whereas factors such as perceived monetary value, absorptive capacity and personal innovativeness have been found to be insignificant. Originality/value – There have been no studies conducted which reported mobile-based transfer payment adoption issues where-in the transfer mechanism is independent of formal banking. The findings would be beneficial for service providers of mobile-based payment services to understand their subscribers and roll out value added services.

Examining mobile based payment services adoption issues

2015 ◽  
Vol 28 (4) ◽  
pp. 490-507 ◽  
Author(s):  
Parijat Upadhyay ◽  
Manojit Chattopadhyay
Keyword(s):  
Service Providers ◽  
Value Added ◽  
Perceived Usefulness ◽  
Transfer Payment ◽  
Steady Increase ◽  
System Quality ◽  
Content Type ◽  
Validated Questionnaire ◽  
Short Period ◽  
Payment Services

Purpose – The purpose of this paper is to make a unified approach in identifying the issues affecting usage intention of mobile-based payment services. The work aims to analyze the reduced factors from data obtained from a survey to highlight the influencers of usage intention mobile-based payment in an integrated manner by incorporating the technical characteristics, technology-specific characteristics, user-specific characteristics and task-specific characteristics. Design/methodology/approach – A nationwide primary survey was conducted using validated questionnaire requesting response for 11 factors obtained from published literature. In all, 196 respondents participated in the survey in India. Valid responses were analyzed using Growing Hierarchical Self-Organizing Map (GHSOM) model. The interactive GHSOM application was applied to automatically determine the filtering rules for clustering. Findings – The hierarchical structure of clusters as obtained by applying GHSOM is mainly influenced by factors like innovativeness, discomfort, system quality, perceived usefulness, perceived ease of use, task-fit, connectivity, absorptive capacity and structural assurance. Research limitations/implications – Increasing trend of online and mobile-based payment has been observed and reported by several studies in India. The frequency of online transactions by women have shown a steady increase over a short period of time. But the survey obtained higher percentage of data from males. Thus future researchers could focus on this aspect to study the influence of this rising trend on adoption of services like mobile-based payment. Trust and existence of physical institutions seem to affect the perception and usage intention. Future researchers may explore the influence of these two issues in situations where there has been some reported cases of breach of trust. Originality/value – There has been very few studies conducted which reported mobile-based transfer payment adoption issues where-in the transfer mechanism is independent of formal banking. Also no other study adopted the GHSOM approach to analyze the data. The findings would be beneficial for service providers of mobile-based payment services to understand their subscribers and roll out value-added services.

An empirical study on continuance intention of mobile social networking services

2014 ◽  
Vol 26 (2) ◽  
pp. 168-189 ◽  
Author(s):  
Lingling Gao ◽  
Xuesong Bai
Keyword(s):  
Information Quality ◽  
Service Providers ◽  
Network Size ◽  
Perceived Usefulness ◽  
Mobile Service ◽  
System Quality ◽  
Continuance Intention ◽  
Content Type ◽  
Factors Affecting ◽  
Mobile Sns

Purpose – Users' continuance intention is vital to the future of mobile social networking service (SNS) with rapid development and intensive competitions among its providers. The purpose of this research is to identify the factors affecting mobile SNS users' continuance intention. Design/methodology/approach – Data from an online survey administered to 228 mobile SNS users are used to test the research model through the use of structural equation modelling. Findings – The results show that flow, perceived usefulness and satisfaction determine continuance intention of mobile SNS. Moreover, the authors found that referent network size and perceived complementarity are the main factors affecting flow, whereas information quality is the main factor affecting perceived usefulness. Only system quality significantly affects satisfaction. Practical implications – The results imply that mobile service providers need to take the functional characteristics of the mobile SNS (e.g. system quality and information quality), network externalities (referent network size and perceived complementarity) and flow experience into consideration when encouraging users' continuance intention towards mobile SNS. Originality/value – Extant research has focused on initial adoption and usage of mobile SNS and has seldom considered post-adoption usage, which is critical to mobile service providers' success. This research tries to fill the gap by examining continuance intention to use mobile SNS. The theory embedded within the IS success model, network externalities and flow theory articulated that these three research domains can be integrated to better understand the factors that influence mobile SNS users' continuance intention.

An investigation of mobile payment (m-payment) services in Thailand

2016 ◽  
Vol 8 (1) ◽  
pp. 37-54 ◽  
Author(s):  
Chanchai Phonthanukitithaworn ◽  
Carmine Sellitto ◽  
Michelle W.L. Fong
Keyword(s):  
Technology Acceptance ◽  
Conceptual Model ◽  
Structural Equation ◽  
Business Models ◽  
Service Providers ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Content Type ◽  
Payment Services

Purpose – Despite the significant efforts by the Thai Government to promote the use of mobile payment (m-payment) services, this new mode of financial payment has had limited consumer interest. Indeed, whilst it is seemingly desirable to facilitate the uptake of m-payment services given government promotion, limited research has been undertaken to examine the factors that might promote adoption. The purpose of this paper is to address this research gap. Design/methodology/approach – The study developed a conceptual model based on elements of innovation diffusion theory and technology acceptance. The model was empirically validated using structural equation modelling analysis using the responses gained from 529 Thai mobile phone users. The intercept interview/survey across eight different locations was the instrument used for data collection. Findings – The empirical results indicate that consumer adoption of m-payment services in Thailand was determined by four factors – compatibility, subjective norm, perceived trust, and perceived risk. Surprisingly, the construct of perceived usefulness, perceived ease of use, and perceived cost were found not to have a direct effect on behavioural intention. Research limitations/implications – The results regarding electronic payments highlight the importance of four factors that are fundamental in understanding consumer behaviour in regards to financial m-payments. The conceptual model developed in the study is well suited as a primary research framework to explore other aspect of technological innovation in a Thai context. Even though the model is not generalisable, it has the potential to be refined for use in other countries. The findings from the research contribute to the small, but growing number of studies focusing on technological business innovation in Thailand. Practical implications – The results of this study will be of value to various groups associated with m-payment services such as mobile network operators, financial institutions, and payment service providers. The findings will potentially inform appropriate service strategies and business models in order to improve the uptake of this type of financial payment by Thai consumers. The factors identified are significant in informing how the capacity of the Thai Government’s investment in electronic infrastructure could be more fully utilised. Originality/value – This study adds to the literature by bridging the gap in explaining consumer intentions to adopt new technological services amongst people who know about the service but have not adopted it as yet. Moreover, this paper is a pioneer study about the adoption of m-payment services in Thai setting.

An empirical investigation of tourist’s choice of service delivery options

2017 ◽  
Vol 29 (7) ◽  
pp. 1892-1913 ◽  
Author(s):  
Arun Kumar Kaushik ◽  
Zillur Rahman
Keyword(s):  
Service Delivery ◽  
Service Providers ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Technology Readiness ◽  
Extensive Literature ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Service Employees ◽  
Delivery Options

Purpose This paper aims to offer and examine a conceptual model of tourist innovativeness toward self-service technologies (SSTs) to confirm whether tourists prefer service delivery by SSTs over employees in an offline hospitality environment. Design/methodology/approach Tourists’ perceived usefulness (PU) of SSTs and need for interaction (NI) with service employees have been taken as crucial mediating variables to examine the effects of perceived ease of use and technology readiness index personality dimensions toward SST and employee-based service adoption. Findings Findings reveal that both “NI” and “PU” play significant roles in Technology Readiness and Acceptance Model (TRAM) when tourists select one of two service delivery options – SSTs and service employees. Research limitations/implications The foremost limitation of the study is its dependence on domestic tourist samples. However, such samples were chosen because tourists comprising these samples tend to use similar service delivery options more, in turn increasing their use of SSTs available in sample hotels. Practical implications The study gives a deeper understanding of TRAM with an extremely crucial mediating variable (NI) in an offline service context. It also provides useful insights to service providers and policy makers for developing new strategies and policies to enhance user experience. Social implications This study recommends the usage of numerous SSTs by tourists. Originality/value During extensive literature review carried out in this research, no study was found that proposed such an effective framework in an offline service context.

scholarly journals Predicting Consumer Intention to Use Mobile Payment Services: Empirical Evidence from Vietnam

2016 ◽  
Vol 8 (1) ◽  
pp. 117 ◽  
Author(s):  
The Ninh Nguyen ◽  
Tuan Khanh Cao ◽  
Phuong Linh Dang ◽  
Hien Anh Nguyen
Keyword(s):  
Empirical Evidence ◽  
Service Providers ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Future Research ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Payment Services ◽  
The Impact

<p>Mobile payment has relative advantages compared to other payment methods, thus providing benefits for both consumers and the society. This study attempts to examine factors influencing consumer intention to use mobile payment services. Survey data are used to investigate the impact of consumers’ perceptions of mobile payment services and social influence on use intention. Empirical evidence from 489 Vietnamese consumers confirms a significant relationship between the factors and behavioral intention, and reveals that perceived trust is the strongest predictor of intention to use mobile payment services followed by perceived ease of use, perceived enjoyment, perceived behavioral control, perceived usefulness and subjective norm, respectively. The results contribute to the evolving literature, and suggest that mobile payment service providers should particularly focus on building up consumer trust, and making their services clear, understandable and easy to use. Future research directions for extending this study are also discussed.</p>

Metrics development and modelling the mixed reality and digital twin adoption in the context of Industry 4.0

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Samad M.E. Sepasgozar ◽  
Mohsen Ghobadi ◽  
Sara Shirowzhan ◽  
David J. Edwards ◽  
Elham Delzendeh
Keyword(s):  
Technology Acceptance ◽  
Mixed Reality ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Future Research ◽  
Key Factors ◽  
Content Type ◽  
Factors Affecting ◽  
Digital Twin ◽  
Acceptance Model

PurposeThis paper aims to examine the current technology acceptance model (TAM) in the field of mixed reality and digital twin (MRDT) and identify key factors affecting users' intentions to use MRDT. The factors are used as a set of key metrics for proposing a predictive model for virtual, augmented and mixed reality (MR) acceptance by users. This model is called the extended TAM for MRDT adoption in the architecture, engineering, construction and operations (AECO) industry.Design/methodology/approachAn interpretivist philosophical lens was adopted to conduct an inductive systematic and bibliographical analysis of secondary data contained within published journal articles that focused upon MRDT acceptance modelling. The preferred reporting items for systematic reviews and meta-analyses (PRISMA) approach to meta-analysis were adopted to ensure all key investigations were included in the final database set. Quantity indicators such as path coefficients, factor ranking, Cronbach’s alpha (a) and chi-square (b) test, coupled with content analysis, were used for examining the database constructed. The database included journal papers from 2010 to 2020.FindingsThe extant literature revealed that the most commonly used constructs of the MRDT–TAM included: subjective norm; social influence; perceived ease of use (PEOU); perceived security; perceived enjoyment; satisfaction; perceived usefulness (PU); attitude; and behavioural intention (BI). Using these identified constructs, the general extended TAM for MRDT in the AECO industry is developed. Other important factors such as “perceived immersion” could be added to the obtained model.Research limitations/implicationsThe decision to utilise a new technology is difficult and high risk in the construction project context, due to the complexity of MRDT technologies and dynamic construction environment. The outcome of the decision may affect employee performance, project productivity and on-site safety. The extended acceptance model offers a set of factors that assist managers or practitioners in making effective decisions for utilising any type of MRDT technology.Practical implicationsSeveral constraints are apparent due to the limited investigation of MRDT evaluation matrices and empirical studies. For example, the research only covers technologies which have been reported in the literature, relating to virtual reality (VR), augmented reality (AR), MR, DT and sensors, so newer technologies may not be included. Moreover, the review process could span a longer time period and thus embrace a fuller spectrum of technology development in these different areas.Originality/valueThe research provides a theoretical model for measuring and evaluating MRDT acceptance at the individual level in the AECO context and signposts future research related to MRDT adoption in the AECO industry, as well as providing managerial guidance for progressive AECO professionals who seek to expand their use of MRDT in the Fourth Industrial Revolution (4IR). A set of key factors affecting MRDT acceptance is identified which will help innovators to improve their technology to achieve a wider acceptance.

scholarly journals Predicting mobile network operators users m-payment intention

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Choi-Meng Leong ◽  
Kim-Lim Tan ◽  
Chin-Hong Puah ◽  
Shyh-Ming Chong
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Mobile Network ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mediation Effect ◽  
Mobile Payment ◽  
Content Type ◽  
Payment Services ◽  
Mobile Network Operators

Purpose This study aims to investigate the intention of using mobile payment (m-payment) services in Sarawak, Malaysia. Design/methodology/approach A total of 194 online payment users were selected to respond to the structured questionnaire. The partial least squares-structural equation modelling (PLS-SEM) was used to analyse the data by assessing the measurement and model. Findings Perceived usefulness (PU) and perceived ease of use mediated the relationship between perceived compatibility (PC) and the intention to use the mobile payment for mobile network operators’ services. Research limitations/implications The analysis provides insights that PC is considered as a significant determinant for mobile payment of mobile network operators’ services. Practical implications The operators can consider factors such as PC in the design of their mobile applications and the potential to expand the m-payment services to others e-wallet such as Sarawak e-wallet. The model possesses medium prediction power, which suggests that other variables such as perceived security and personal innovativeness also can be used to predict the usage behaviour of mobile payment for the mobile network services. Originality/value The present study contributes to the m-payment users’ behaviour intention literature by investigating the mobile-based predictors of using m-payment technology in an emerging digital economy state in Sarawak, Malaysia. This study also extends the knowledge of technology acceptance model by introducing the mediation effect of PU and ease of use between the mobile-based predictors and m-payment intention.

Understanding continuance usage intention of mHealth in a developing country

2020 ◽  
Vol 14 (2) ◽  
pp. 251-272 ◽  
Author(s):  
Md Abdul Kaium ◽  
Yukun Bao ◽  
Mohammad Zahedul Alam ◽  
Md. Rakibul Hoque
Keyword(s):  
Structural Equation ◽  
Information Quality ◽  
Service Providers ◽  
Least Squares Method ◽  
System Quality ◽  
Content Type ◽  
Factors Affecting ◽  
Continuance Usage ◽  
The Government ◽  
Continuance Usage Intention

Purpose This study aims to understand the factors affecting the continuance usage intention (CUI) of mHealth among the rural elderly. Design/methodology/approach An integrated model was proposed with the constructs derived from multiple models such as the unified theory of acceptance and use of technology, information system success model and expectation confirmation model. Data were collected from 400 participants who had prior experiences with mHealth services in Bangladesh. The research model was tested using the partial least squares method based upon structural equation modelling. Findings The findings indicated that system quality, performance expectancy, facilitating conditions and social influence were significant to the degree of confirmation and ultimately affect satisfaction and CUI. Surprisingly, service quality and information quality were insignificant. Research limitations/implications This study has added in the field of knowledge by contributing some new thoughts and interpretations of continuance usage modelling for mHealth services. The findings may become beneficial for the government agencies, policymakers, mHealth systems developers and service providers. Originality/value As limited research was found on CUI of mHealth in the integrated view of rural elderly’s value, this research contributes to the extant literature by categorizing key factors that might support to proliferate the continuance usage of this service. Moreover, the contextualization of the related variables and integration of the existing model is theoretically original. Furthermore, because of a generic approach, the findings could be easily modified to assist other developing countries in the planning and up-take of mHealth.

Measuring instructors continued intention to reuse Google Classroom in Iraq: a mixed-method study during COVID-19

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Mahmood H. Hussein ◽  
Siew Hock Ow ◽  
Ishaq Ibrahim ◽  
Moamin A. Mahmoud
Keyword(s):  
Higher Education ◽  
Service Quality ◽  
Technology Acceptance ◽  
Mixed Method ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mixed Method Research ◽  
System Quality ◽  
Perceived Ease Of Use ◽  
Content Type

Purpose The use of learning management systems (LMSs) such as Google Classroom has increased significantly in higher education institutes during the COVID-19 pandemic. However, only a few studies have investigated instructors’ continued intention to reuse LMS. The purpose of this study is to investigate the factors that influence instructors’ intention to reuse an LMS in higher education institutes. Design/methodology/approach This study adopted a mixed-method research design. In the quantitative section, an integrated model of technology acceptance model and information system success model is proposed to explore the effects of system quality, service quality, information quality, perceived ease of use and perceived usefulness on instructors’ satisfaction and how their satisfaction will influence their intention to reuse Google Classroom in the future. In the qualitative section, to gain more understanding, instructors were asked to identify the challenges that inhibit the adoption of e-Learning technologies in public universities in Iraq and what are their recommendations to rectify them. Findings The findings revealed that service quality had no positive influences on the satisfaction of instructors, while other factors had varying levels of influence, the findings further showed that inadequate internet service and students lack of interest are the biggest challenges instructors faced during their experience with Google Classroom. Research limitations/implications To improve the generalizability of the results, future studies are recommended to include larger samples, in addition, further studies are also advised to take individual traits such as age and gender into consideration. Originality/value The outcomes of this study are expected to benefit researchers, policymakers and LMS developers who are interested in factors that affect instructors’ intention to reuse LMS in higher education institutes in developing countries.

Effect of gratification on user attitude and continuance use of mobile payment services: a developing country context

2020 ◽  
Vol 22 (4) ◽  
pp. 353-380
Author(s):  
Muftawu Dzang Alhassan ◽  
Emmanuel Awuni Kolog ◽  
Richard Boateng
Keyword(s):  
Developing Country ◽  
Structural Equation ◽  
Service Providers ◽  
Developing Economies ◽  
Moderating Effect ◽  
Ease Of Use ◽  
Mobile Payment ◽  
Content Type ◽  
Moderating Factors ◽  
Payment Services

Purpose This study aims to investigate the gratifications driving the attitude and continuance use of mobile payment services in developing country context, such as Ghana. Also, the moderating effect of income and education on gratifications and attitude of users is explored. Design/methodology/approach Data was collected from conveniently sampled 361 users of mobile payment services in Ghana. A questionnaire, which mainly contains five-point Likert scale questions, was used to collect the data. The study adopted the Uses and Gratification (U&G) theory, where income and education were used as moderating factors. The data was analysed with SmartPLS for Structural Equation Modelling. Findings Among the other factors from the U&G theory, integrative, ease of use and usefulness gratifications were found to significantly influence attitude towards the use of mobile payment services in Ghana. In addition to this finding, user attitude significantly influences the continuance use intention of mobile payment services. Furthermore, the study revealed various effects of the moderating factors. These findings suggest that promoting mobile payment technology inclusiveness by creating a favourable environment would enhance the use of mobile payment services in Ghana. Research limitations/implications Given that this study was conducted in Ghana, a developing country, it is difficult to generalize the results to encompass the developed economies. In future, similar research should compare the developed and developing economies by considering culture as a moderating effect. Practical implications This study intends to provide information on the gratifications that drive the attitude and continuance use of mobile payment services in Ghana. The findings seek to augment mobile money service providers’ capabilities by providing them with an understanding of user gratification experience on mobile payment services. Additionally, the study will serve as a guide to policymakers in the government, telecommunication companies and mobile banking providers, to improve customer intimacy and gratification through their user behaviour. Originality/value Previous studies on user gratification have primarily focussed on the functional benefits derived from mobile payments and how they influence the service’s adoption. This study has contributed to literature by considering both the functional and non-functional benefits of mobile payment in developing country context. To the best of the authors’ knowledge, this study is the first to consider income and education as moderating variables to study the gratification levels of mobile payment users in Ghana and among few in Africa.

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