Adoption readiness, personal innovativeness, perceived risk and usage intention across customer groups for mobile payment services in India

2014 ◽  
Vol 24 (3) ◽  
pp. 369-392 ◽  
Author(s):  
Rakhi Thakur ◽  
Mala Srivastava
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Structural Equation ◽  
Future Research ◽  
Content Type ◽  
Personal Innovativeness ◽  
Mobile Payments ◽  
Personal Variables ◽  
Structural Relationships ◽  
The Stability

Purpose – The purpose of this paper is to accomplish two objectives – to test the functional relationship between adoption readiness (AR), perceived risk (PR) and usage intention for mobile payments in India and to investigate the stability of proposed structural relationships across different customer groups. Design/methodology/approach – The literature concerning major attributes of technology acceptance were systematically reviewed to develop construct of AR. Post that a comprehensive model consisting of AR, personal innovativeness and PR was put together. The model was then empirically tested using structural equation modelling. Findings – On appraising the proposed model, five out of six hypotheses were fully supported while one hypothesis was partially supported. Test of invariance showed significant variance among users and non-users. Research limitations/implications – The results of the study may vary with national context, service offerings, regulatory framework and other customer personal variables (i.e. lifestyle) suggesting future research opportunities. Practical implications – The results facilitate the comprehension of the role of different factors on the mobile payments usage intention among customers. In addition, the results expand the knowledge on consumer behaviour towards financial technological innovations. Originality/value – The results expand one's knowledge on this relationship, propounding interesting empirical evidence of the model invariance among different consumer groups.

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.

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

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

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

Stakeholders’ consensus on organizational technology acceptance; using thematic analysis and SEM

Kybernetes ◽  
2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Ali Sarkeshikian ◽  
Amir Zakery ◽  
Mohammad Ali Shafia ◽  
Alireza Aliahmadi
Keyword(s):  
Technology Acceptance ◽  
Thematic Analysis ◽  
Perceived Risk ◽  
Structural Equation ◽  
Goodness Of Fit ◽  
Equation Model ◽  
Fit Indices ◽  
Content Type ◽  
Business To Business

Purpose Much research has been conducted on technology acceptance (TA), which is mainly about the acceptance by one user. As more than one person should be involved in business-to-business TA decision-making, it is suggested that different processes for making a consensus among different stakeholders should be considered. The purpose of this study is to demonstrate a model for essential activities and characteristics of advocators for accelerating the stakeholders’ consensus in the technology acceptance (SCTA). Design/methodology/approach The conceptual model of this research is presented using a thematic analysis of the interviews with the relevant experts and existing literature. Furthermore, the structural equation model was applied for analyzing empirically how advocators’ characteristics and activities affect consensus. In total, 248 respondents completed the questionnaires. Experts’ opinions, Krippendorff’s alpha index, Cronbach’s alpha coefficient and goodness of fit indices were applied to verify the reliability of the results. Findings Results show that “being leader” and “being influential” are two main characteristics for the advocators’ team that significantly affect SCTA. Reducing perceived “risk” for each stakeholder, developing a “common understanding” among them and demonstrating “resource readiness” are also the main tasks of advocators leading to SCTA. Originality/value The role of advocators in SCTA has been neglected. The main contribution of this study is identifying the required advocators’ activities and characteristics for achieving SCTA.

Strategic recommendations for financial technology service development: a comprehensive risk-benefit IPA-Kano analysis

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Amalia Suzianti ◽  
Fannisa Rahma Haqqi ◽  
Safira Nurul Fathia
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Financial Risk ◽  
Reasoned Action ◽  
Service Development ◽  
Future Research ◽  
Kano Model ◽  
Content Type ◽  
And Gender ◽  
Financial Technology

Purpose This study aims to purpose a strategy for Financial Technology (Fintech) service development to increase user adoption of Fintech services. Design/methodology/approach A conceptual model based on a risk-benefit approach was adopted based on the theory of reasoned action, the theory of planned behaviour and technology acceptance models. The partial least squares structural equation modelling method was used to test the proposed model and estimate the relationship between constructs. The results are used to develop strategies, which are then categorised based on the integration of an importance-performance analysis and the Kano model. Findings The results show that trust, economic benefit and convenience significantly influence users to adopt Fintech services, whereas privacy awareness, financial risk and legal risk factors affect user trust. A strategy for consumer protection against security threats and financial losses warrants the highest priority for improvement. Practical implications The findings of this study can help Fintech product managers classify their service improvements and help regulators make the appropriate policy decisions related to customer security and the adoption of Fintech. Social implications There are some limitations of this research that should be noted. First, the research target respondents were millennials who have been statistically proven to have the highest affinity in using Fintech services. Second, the Fintech services used in this research were only mobile payments, peer-to-peer lending and crowdfunding. Future research could expand the number of research respondents to improve research validity, including other Fintech services or focus on one Fintech service at a time for targeted results and consider moderation variables, such as customer experience with Fintech services based on age and gender. Originality/value This study contributes to the development of new frameworks for evaluating Fintech adoption intention based on a risk-benefit approach. It also presents strategy recommendations to be implemented by Indonesian Fintech companies.

scholarly journals Consumer adoption of mobile banking in Jordan

2016 ◽  
Vol 29 (1) ◽  
pp. 118-139 ◽  
Author(s):  
Ali Abdallah Alalwan ◽  
Yogesh K. Dwivedi ◽  
Nripendra P. P. Rana ◽  
Michael D. Williams
Keyword(s):  
Technology Acceptance ◽  
Conceptual Model ◽  
Perceived Risk ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Convenience Sample ◽  
Content Type ◽  
Factors Influencing

Purpose – The purpose of this paper is to propose and examine a conceptual model that best explains the key factors influencing Jordanian customers ' intention to adopt mobile banking (MB). Design/methodology/approach – The proposed conceptual model was based on the Technology Acceptance Model (TAM). This was extended by adding perceived risk and self-efficacy as an external factors. Structural equation modelling (SEM) was conducted to analyse the data collected from the field survey questionnaires administered to a convenience sample of Jordanian banking customers. Findings – The results showed that behavioural intention is significantly influenced by perceived usefulness, perceived ease of use, and perceived risk. Research limitations/implications – Practical and theoretical implications for both Jordanian banks and researchers in the MB context are also discussed in the concluding section. Originality/value – MB-related issues are yet to be examined empirically in the Jordanian context. This submission has attempted to fill this gap by empirically examining some of the important factors influencing the adoption of MB from the Jordanian customers’ perspective.

Exploring the meteoric rise of online food ordering apps (OFOAs): the moderating role of visibility

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Debarun Chakraborty
Keyword(s):  
Technology Acceptance ◽  
Purchase Intention ◽  
Structural Equation ◽  
Future Research ◽  
Content Type ◽  
Customer Behaviour ◽  
Intent To Purchase ◽  
Applied Technology ◽  
Moderating Role

PurposeOnline food ordering apps (OFOAs) have become increasingly popular, and consumers have widely recognized their benefits, particularly during pandemics or lockdowns. Despite the growing popularity of OFOAs, little is known about technology acceptance theories and their impact on purchase intention. The current study proposes the amalgamation of three theories to bridge this gap, better explaining customer behaviour toward OFOAs.Design/methodology/approachTo create a model, the researcher applied technology acceptance theories, visibility and purchase intention. To obtain results, the researcher used structural equation modelling (SEM) and moderation analysis on 432 responses obtained through a questionnaire.FindingsAccording to the research, all constructs were found to have a favourable and significant impact on the intention to use OFOAs, except compatibility. The moderating effect of visibility on intent to purchase is shown in the study. The study's findings add to the knowledge of consumer behaviour and practice.Research limitations/implicationsThis work sheds light on technology acceptance theories that ensure that OFOA platforms are used indefinitely. Furthermore, the significance of visibility as a mediator of purchase intention provides a deep insight into customer behaviour.Originality/valueThis model, which combines technology acceptance theories' original constructs with visibility to moderate purchase intention on OFOA platforms, is the first of its type in the current literature. Furthermore, this theoretical progress paves the way for future research.

Adoption of homesharing platforms: a cross-cultural study

2018 ◽  
Vol 1 (3) ◽  
pp. 220-239 ◽  
Author(s):  
Francisco Muñoz-Leiva ◽  
Xavier Mayo-Muñoz ◽  
Andrea De la Hoz-Correa
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Service Providers ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Cultural Dimensions ◽  
Future Research ◽  
Content Type ◽  
Actual Use ◽  
Adoption Model

PurposeThe purpose of this paper is to analyze the factors that affect consumer adoption of new ways of sharing accommodation services. Moreover, the authors study the influence of culture, more specifically the uncertainty avoidance (UA) dimension, on relationships between variables in a proposed adoption model.Design/methodology/approachThe structural equation analysis method is used to verify the proposed model. The data were collected from a panel of Spanish and Vietnamese internet users. The survey yielded a total of 418 responses for the data analysis.FindingsThe findings indicate that subjective norms and ease of use exert an effect on perceived usefulness and that intention to use affects actual use in all the groups analyzed. Furthermore, UA has a moderating effect on the adoption of homesharing platforms (HSPs).Research limitations/implicationsA larger sample and a random sampling would facilitate a more accurate generalization of the results obtained for each country. The practical implications identified in this research, along with its limitations and future research opportunities, are interesting both for scholars, service providers and designers of HSPs.Originality/valueThis study bridges a gap in the current research by increasing understanding of the role of the cultural dimensions in a technological innovation adoption model for an HSP. It also takes into account the effect of perceived risk, a dimension that has not been included in previous studies.

Exploring the effect of an enhanced e-commerce institutional mechanism on online shopping intention in the context of e-commerce poverty alleviation

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Feiyan Han ◽  
Bo Li
Keyword(s):  
Perceived Risk ◽  
Poverty Alleviation ◽  
Structural Equation ◽  
Online Shopping ◽  
Mediation Effect ◽  
Shanxi Province ◽  
Future Research ◽  
Content Type ◽  
The Relationship

PurposeE-commerce poverty alleviation (EPA) is an innovative poverty alleviation model in China. The institutional mechanisms of the e-commerce platform improve the effect of EPA and exert online shopping purchase power in rural China. From a socio-technical perspective, this paper used adoption readiness of farmers and perceived risk to construct an integrated model to discern the effect of enhanced e-commerce institutional mechanisms on farmers' online shopping intention in the context of EPA.Design/methodology/approachThe survey included 832 valid samples from rural farmers in Shanxi province. This study analyses using structural equation modelling (SEM) and bootstrap methods used to empirically test the model.FindingsFindings suggest that enhanced e-commerce institutional mechanisms have significant direct and indirect positive impacts on farmers' online shopping intention; adoption readiness and perceived risk play partial mediation roles in determining the relationship between farmers' online shopping intention and enhanced e-commerce institutional mechanisms; and the indirect mediation effect of adoption readiness is greater than that of perceived risk.Research limitations/implicationsAlthough the proposed model was supported in the questionnaire survey, the investigation method was not completely excluded. Future research can combine the method of panel data and apply the framework to other e-commerce platforms, as well as to other cultural settings.Practical implicationsThe study suggests that enhanced e-commerce institutional mechanisms that are based on the needs of farmers from poverty-stricken areas change the shopping habits of farmers. Moreover, enhanced e-commerce institutional mechanisms should allow farmers' perceived adoption readiness to play its promoting role and reduce the impeding role of perceived risk. The results of this study are conducive to the intensive implementation of the ‘Three Rural Issues’ strategy in China.Originality/valueA new model to generate a two-factor mediation effect model by integrating the perceived effectiveness of enhanced e-commerce institutional mechanisms with farmers, farmers' adoption readiness, perceived risk and online shopping intention. The study explored the relationship between enhanced e-commerce institutional mechanisms and farmers' online shopping intention, bridging the gap in related empirical studies. Besides, this study first proposed farmers' adoption readiness and clarifies the mediating role of farmers' adoption readiness and perceived risk, which highlights the previously unnoticed role of farmers' adoption readiness.

scholarly journals Industry 4.0 an empirical analysis of users’ intention in the automotive sector

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Martina Toni ◽  
Maria Francesca Renzi ◽  
Maria Giovina Pasca ◽  
Roberta Guglielmetti Mugion ◽  
Laura di Pietro ◽  
...  
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Future Research ◽  
High Tech ◽  
Environmental Aspects ◽  
Automated Vehicles ◽  
Sustainable Mobility ◽  
Content Type ◽  
Smart Technologies ◽  
Italian Context

Purpose This paper aims to study the automotive 4.0 context to understand the consumers’ propensity towards high-tech automated cars. The paper analyses the antecedents that lead to the use of innovative vehicles. Theory of planned behaviour (TPB) is adopted and extended by including further constructs, such as environmental aspects and inhibitors. Design/methodology/approach The advent of smart technologies and the internet of things has given rise to several contributions that look at consumers’ intention towards innovation adoption in the automotive industry. Furthermore, this study rises from the growing interest that sustainable mobility achieved. Based on the previous technology acceptance models and particularly TPB, this paper develops a structured questionnaire. After a pilot survey, the final questionnaire was administered online through email and social media in the Italian context. Structural equation modelling technique has been used for analysing data and testing the conceptual model. Findings The number of questionnaires filled out was 310, with a sample composed of young adults, characterised by different addiction levels towards technology. The results explain the drivers that lead to accept and adopt high-tech automated vehicles. This topic is still under investigation and offers potential research opportunities, considering the evolution of the market and the consumers’ habits and needs. Future research studies in this area should focus on generalising the present findings in other countries. Moreover, once this technology starts to be adopted, other constructs could be discovered, investigated and included in the model. Originality/value Mobility has raised a growing interest with the fast increasing demand for sustainability and growth of innovative solutions embedded in mobility. This research explores the TPB model’s application and the relation between its constructs, environmental aspects, inhibitors and intention to adopt automated vehicles. On this strength, it is possible to identify each construct’s relevance for obtaining social consensus on the market.

An Extended TAM to Explore Behavioural Intention of Consumers to Use M-Commerce

2015 ◽  
Vol 14 (02) ◽  
pp. 1550014 ◽  
Author(s):  
Shih-Chi Chang ◽  
Chia-Chi Sun ◽  
Lee-Yuan Pan ◽  
Ming-Ying Wang
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Structural Equation ◽  
Service Providers ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Behavioural Intention ◽  
Perceived Ease Of Use ◽  
Personal Innovativeness ◽  
Proposed Model

This study proposes a research framework that integrates personal innovativeness, perceived risk, cost and enjoyment with the technology acceptance model (TAM). We used the proposed model to explore the antecedents of consumer behavioural intention (BI) to adopt mobile commerce (m-commerce). Excluding missing answers and invalid questionnaires, 477 valid responses were collected. In addition to confirmatory factor analysis (CFA), we used structural equation modelling (SEM) to examine the relationships among the constructs in the proposed model. Our findings indicated that the younger group (under 30) had lower stickiness to m-commerce. Among the constructs, perceived enjoyment (PE) had the most significant influence on BI, followed by attitude, perceived ease of use (PEOU), perceived usefulness (PU) and perceived risk. Our research results could be used as a guide and reference for m-commerce service providers to improve and operate their services.

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