Factors influencing adoption of e-services in rural India – perspectives of consumers and service providers

2019 ◽  
Vol 12 (2) ◽  
pp. 215-230 ◽  
Author(s):  
Arghya Ray ◽  
Pradip Kumar Bala ◽  
Shilpee A. Dasgupta ◽  
Narayanasamy Sivasankaran
Keyword(s):  
Rural Areas ◽  
Service Providers ◽  
Value Added ◽  
Perceived Usefulness ◽  
Rural India ◽  
Content Type ◽  
Service Adoption ◽  
Digital Era ◽  
Factors Influencing ◽  
Societal Development

Purpose This paper aims to explore the consumers’ and service-providers’ perspectives on the factors influencing adoption of e-services in rural India. The purpose is to enable better diffusion of technology for societal development in this digital era. Design/methodology/approach Using qualitative-based multiple-participant interviews, this study explores the factors affecting e-service adoption from two different perspectives. While interviews were conducted in five villages with 14 respondents to find out the perspectives of the consumers, this study also explores the service-providers’ perspectives through interviews conducted among 11 managerial respondents. Findings Catering to personal needs, improving perceived usefulness, value-added options, data analytics for better understanding customers and improving service delivery of the e-service are the major factors identified by the service-providers. The study also concludes that convenience, compatibility, societal influence and availability of value-added addition of the e-service are decisive in e-service adoption from the perspectives of the consumers. Research limitations/implications The first limitation of this research is that there can be common method bias. Second, there were overlapping themes. Practical implications This study can help researchers working on the adoption of e-services in under-developed/developing countries. The findings of this study may help industries to focus on the determinants while designing the e-services for improving their rate of adoption. Social implications This study will help in better diffusion of e-services in rural areas, which in turn will help in societal development in this digital era. Originality/value The focus is on societal development through the adoption of e-services in rural areas. To the best of the knowledge of the researchers, no qualitative study has been performed to capture the perspectives of both the service-providers and the consumers on the adoption of e-services in India.

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.

Adoption of internet banking services in Gujarat

2018 ◽  
Vol 36 (1) ◽  
pp. 147-169 ◽  
Author(s):  
Kiran J. Patel ◽  
Hiren J. Patel
Keyword(s):  
Social Influence ◽  
Service Providers ◽  
Internet Banking ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Banking Services ◽  
Content Type ◽  
Factors Influencing ◽  
Perceived Security ◽  
Internet Banking Services

Purpose The purpose of this paper is to validate the technology acceptance model (TAM) and its extended form to understand the factors influencing internet banking adoption in Gujarat. Design/methodology/approach Extended TAM incorporates perceived security and social influence, important variables in internet banking literature. Using a questionnaire survey, data relating to the variables are collected from 284 individuals who are/were using internet banking services and subjected to confirmatory factor analysis (CFA) to establish validity and structural equation modeling (SEM) to identify important factors influencing internet banking adoption. Findings The empirical results of SEM showed that the extended TAM has higher predictability than the TAM in internet banking settings. The results highlighted that the intention to use internet banking is positively influenced mainly by perceived security, followed by other significant factors, namely, perceived usefulness, perceived ease of use and social influence. Practical implications The findings of this paper enable internet banking service providers to develop/modify new/existing internet banking services in order to achieve higher adoption rates of internet banking. Originality/value Additional incorporated variables in a new model considerably contribute to improving the understanding of internet banking adoption in Gujarat.

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 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.

Utilizing the Push-Pull-Mooring-Habit framework to explore users’ intention to switch from offline to online real-person English learning platform

2019 ◽  
Vol 29 (1) ◽  
pp. 167-193 ◽  
Author(s):  
Yu-Hsin Chen ◽  
Ching-Jui Keng
Keyword(s):  
Structural Equation ◽  
Online Survey ◽  
Service Providers ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
English Learning ◽  
Content Type ◽  
Learning Platform ◽  
Perceived Price ◽  
Real Person

Purpose The purpose of this paper is to develop an extended Push-Pull-Mooring-Habit (PPMH) framework in order to better understand users’ intention of switching from offline to an online real-person English learning platform service. Design/methodology/approach Based on 301 valid responses collected from an online survey questionnaire, structural equation modeling was employed to examine the research model. Findings The causal model was validated using SmartPLS 3.0, and all study hypotheses were supported. The results show that push effects (learning convenience, service quality and perceived price), pull effects (e-learning motivation, perceived usefulness), mooring effects (learning engagement, switching cost and social presences) and habit effects (relationship inertia) all significantly influence users’ switching intentions from offline to an online real-person English learning platform. Practical implications The findings should help online English learning service providers and marketers to understand the intention of offline English learning users to switch to an online real-person English learning platform, and develop related theories, services and regulations. Originality/value The present study extends the prior research of an online real-person English learning platform by providing PPMH as the general framework and demonstrating its efficacy in explaining user switching intentions.

Wireless technologies and policies for connecting rural areas in emerging countries: a case study in rural Peru

2018 ◽  
Vol 20 (5) ◽  
pp. 479-511 ◽  
Author(s):  
David Espinoza ◽  
David Reed
Keyword(s):  
Cost Analysis ◽  
Digital Divide ◽  
Rural Areas ◽  
Service Providers ◽  
Emerging Countries ◽  
Base Stations ◽  
Wireless Technologies ◽  
Content Type ◽  
Broadband Services ◽  
Engineering Cost

Purpose This paper aims to compare the costs of deploying different wireless terrestrial broadband technologies in the Andes and Amazon Regions of Peru. These areas are representatives of different and challenging geographic regions throughout the globe that currently are severely underserved or unserved for vital broadband services necessary to bridge the “Digital Divide”. Design/methodology/approach The broadband technologies studied include Wi-Fi, Worldwide Interoperability for Microwave Access (WiMAX), long term evolution (LTE), TVWS and new stratospheric platforms (super-pressure balloons). This study conducts a technical analysis (design and simulation) of wireless broadband networks, and a bottom-up engineering cost analysis to estimate and compare the deployment and operating costs of the networks over a 10-year period. The analysis also identifies potential regulatory barriers to deployment associated with spectrum allocation licenses and overbooking requirements intended to improve quality of service. Findings Comparison of the capital and operating expenses of these options over a 10-year period finds that LTE and Wi-Fi can be the lowest cost alternatives, though significantly, stratospheric balloons have the lowest initial costs for the first few years and can factor as a low-cost broadband catalyst early in deployment. Finally, the lowest cost technology broadband roadmap for the 10-year period is presented, which includes using stratospheric balloons (carrying micro-LTE base stations) for the first years and deploying complementary terrestrial LTE networks for the rest of the 10-year period. Originality/value This study presents detailed technical and engineering cost analysis results of wireless access network deployments, including advanced wireless technologies and new unmanned aerial systems, to expand broadband services to rural areas in mountainous (Andes Region) and rainforest (Amazon Region) geographies to reduce the digital divide in emerging countries. Results aim to aid governments, regulators, internet service providers (incumbents and competitive) and content providers to assess current alternatives to expand broadband service in these rural areas.

scholarly journals Prevention of cybercrimes in smart cities of India: from a citizen’s perspective

2019 ◽  
Vol 32 (5) ◽  
pp. 1153-1183 ◽  
Author(s):  
Sheshadri Chatterjee ◽  
Arpan Kumar Kar ◽  
Yogesh K. Dwivedi ◽  
Hatice Kizgin
Keyword(s):  
Conceptual Model ◽  
Structural Equation ◽  
Smart Cities ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Content Type ◽  
Actual Usage ◽  
Factors Influencing ◽  
Technology Adoption Model

PurposeThe purpose of this paper is to identify the factors influencing the citizens of India to prevent cybercrimes in the proposed Smart Cities of India.Design/methodology/approachA conceptual model has been developed for identifying factors preventing cybercrimes. The conceptual model was validated empirically with a sample size of 315 participants from India. Data were analyzed using structural equation modeling with SPSS and AMOS softwares.FindingsThe study reveals that the “awareness of cybercrimes” significantly influences the actual usage of technology to prevent cybercrimes in Smart Cities of India. The study reveals that government initiative (GI) and legal awareness are less influential in spreading of the awareness of cybercrimes (AOC) to the citizens of the proposed smart cities.Research limitations/implicationsThe conceptual model utilizes two constructs from the technology adoption model, namely, perceived usefulness and ease of use. The study employs other factors such as social media, word of mouth, GIs, legal awareness and organizations constituting entities spreading awareness from different related literature works. Thereby, a comprehensive theoretical conceptual model has been proposed which helps to identify the factors that may help in preventing cybercrimes.Practical implicationsThis study provides an insight to the policy maker to understand several factors influencing the AOC of the citizens of the proposed Smart Cities of India for the prevention of cybercrimes.Originality/valueThere are few existing studies analyzing the effect of AOC to mitigate cybercrimes. Thus, this study offers a novel contribution.

Business strategy for environmental social governance practices: evidence from telecommunication companies in Malaysia

2019 ◽  
Vol 16 (2) ◽  
pp. 271-289
Author(s):  
Nur Syuhada Jasni ◽  
Haslinda Yusoff ◽  
Mustaffa Mohamed Zain ◽  
Noreena Md Yusoff ◽  
Nor Syafinaz Shaffee
Keyword(s):  
Business Strategy ◽  
Service Providers ◽  
Value Added ◽  
Telecommunications Industry ◽  
Survival Strategies ◽  
Business Strategies ◽  
Economic Activities ◽  
Content Type ◽  
Social Governance ◽  
Telecommunications Companies

Purpose The present digital era has integrated the conventional telecommunications companies as service providers in this ever-competitive environment. Towards gaining business competitiveness, businesses are operated from the stance of dynamic business model that places focus on both economic activities and, more importantly, value-added benefits. One essential value embedded into business strategies refers to the aspect of sustainability in conjunction to environmental social governance (ESG). Within the context of Malaysia, ESG practices have been expected to grow rapidly in years to come, along with the vision of becoming a digital economy nation, by 2050. The continuous discussions appear to support the significance of implementing ESG practices amidst organizations, which in turn, could enhance a more sustainable economic growth for the country. Although many studies have probed into the dimensions of ESG, little attention has been given to the ESG practices incorporated into business strategy agenda. Design/methodology/approach This paper combed through the literature to retrieve the multi-dimensions of ESG concepts, as well as related in-depth insights into ESG disclosures amongst leading companies established in Malaysia. As for the research design, this study used the content analysis method and the ESG Grid as the benchmarking tool to explore superior commitments amongst its peers. Findings As a result, this study stumbled upon two major outcomes: the pattern of ESG disclosures in telecommunications industry and the approaches in implementing ESG practices in telecommunications companies. These two aspects appear essential to establish a competitive advantage, apart from addressing the issues raised by concerned stakeholders. Research limitations/implications Future studies may explore deeper into comprehending the ESG practices by using the interview method and incorporating other industry or arena. Practical implications The decisions made by the companies to invest in ESG practices mark the ability of a company in devising viable survival strategies within the industry. Originality/value Hence, this study offers several vital insights into the practical value to learn from the best experiences, aside from analyzing the current progress of ESG practices within the context of developing nation.

scholarly journals What Motivates Chinese Young Adults to Use mHealth?

Healthcare ◽  
2019 ◽  
Vol 7 (4) ◽  
pp. 156 ◽  
Author(s):  
Wai-Ming To ◽  
Peter K. C. Lee ◽  
Jinxuan Lu ◽  
Junhao Wang ◽  
Yihan Yang ◽  
...  
Keyword(s):  
Young Adults ◽  
Technology Acceptance ◽  
Rural Areas ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Communication Effectiveness ◽  
Perceived Ease Of Use ◽  
Factors Influencing ◽  
Chinese Young Adults

mHealth is one of China’s national strategies that brings affordable, accessible, and convenient health care to its entire population, may they be in cities or rural areas. Although Chinese young adults are among the first to adopt mHealth, the factors influencing Chinese young adults to use mHealth are yet to be studied both empirically and in depth. This study explores the mechanism that determines Chinese young adults’ intention to use mHealth, based on an extended Technology Acceptance Model (TAM). The extended TAM was tested using responses from 486 Chinese young adults. The results showed that perceived usefulness strongly and significantly influenced people’s intention to use mHealth. Additionally, communication effectiveness, health consciousness, and perceived ease of use were found as significant factors influencing people’s intention to use mHealth through perceived usefulness. Distrust was not found to significantly influence people’s intention to use mHealth.

scholarly journals Agricultural credit provision: what really determines farmers’ participation and credit rationing?

2017 ◽  
Vol 77 (2) ◽  
pp. 239-256 ◽  
Author(s):  
Collins Asante-Addo ◽  
Jonathan Mockshell ◽  
Manfred Zeller ◽  
Khalid Siddig ◽  
Irene S. Egyir
Keyword(s):  
Service Providers ◽  
Rural Poverty ◽  
Credit Rationing ◽  
Farm Households ◽  
Unique Contribution ◽  
Loan Default ◽  
Content Type ◽  
Factors Influencing ◽  
Entry Points ◽  
Credit Programs

Purpose The purpose of this paper is to analyze determinants of farmers’ participation and credit rationing in microcredit programs using survey data from Ghana. Design/methodology/approach The authors use the Garrett Ranking Technique to analyze farmers’ reasons for participation or non-participation in credit programs, a probit regression model to estimate factors influencing farm households’ participation, and the Heckman’s sample selection model to identify factors influencing farm households’ probability of being credit rationed by microcredit programs. Findings The results reveal that farm households participate in credit programs because of improved access to savings services and agricultural loans. Fear of loan default and lack of savings are reasons for non-participation in credit programs. Furthermore, membership in farmer-based organizations (FBOs) and the household head’s formal education are positively associated with farmers’ participation in credit programs. The likelihood of farmers being credit rationed (i.e. their loan applications were either rejected or the amount of credit they applied for was reduced) is less likely among higher income farmers and members of FBOs such as farmer cooperatives and savings clubs. Practical implications The findings suggest that policy strategies aiming to improve access to savings and credit services should educate farmers and strengthen FBOs that could serve as entry points for financial service providers. Such market smart strategies have the potential to improve farmers’ access to financial services and reduce rural poverty. Originality/value Although existing studies have examined farmers’ participation in credit markets and credit rationing separately, the unique contribution of this paper is the analysis of participation in microcredit programs as well as the likelihood of farmers being credit rationed in Ghana.

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