Innovation diffusion theory and customers’ behavioral intention for Islamic credit card

2019 ◽  
Vol 11 (6) ◽  
pp. 1245-1275
Author(s):  
Dariyoush Jamshidi ◽  
Fazlollah Kazemi
Keyword(s):  
Innovation Diffusion ◽  
Credit Card ◽  
Resistance To Change ◽  
Diffusion Theory ◽  
Relative Advantage ◽  
Equation Modeling ◽  
Theoretical Understanding ◽  
Content Type ◽  
Innovation Diffusion Theory ◽  
Main Challenge

Purpose One of the main challenge when launching new banking services is to overcome resistance to change so as to accelerate market acceptance. This is the case of an Islamic credit card (ICC). Grounded in innovation diffusion theory (IDT) and theory of reasoned action (TRA), this paper aims to study the purposes and empirically tests an integrated model to explore, which factors influence of ICC. Design/methodology/approach Partial least squares and structural equation modeling was used to assess the hypotheses. Accordingly, the empirical results, obtained in a sample of 762 bank customers. Findings Intentions to use of ICC are mostly determined by relative advantage, compatibility, customer awareness, satisfaction and attitude. The combination of IDT and TRA significantly explain the ICC adoption. Originality/value This research has provided a theoretical understanding of the ICC adoption determinants with the intent of promoting a more in-depth understanding of various elements influencing acceptance and usage of this Islamic banking service.

Investigating the customers’ drivers of Islamic credit card loyalty and word of mouth

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Dariyoush Jamshidi ◽  
Laura Kuanova
Keyword(s):  
Credit Card ◽  
Structural Equation ◽  
Word Of Mouth ◽  
Diffusion Theory ◽  
Relative Advantage ◽  
Equation Modeling ◽  
Related Factors ◽  
Content Type ◽  
Innovation Diffusion Theory ◽  
Using Data

Purpose Because of the huge advantages of Islamic credit cards for both banks and customers, the purpose of this study is to examine the main factors that influence consumers to use an Islamic credit card (ICC). Design/methodology/approach Accordingly, the innovation diffusion theory, customer awareness and loyalty concept are considered because of their ability to predict behavior and also to provide valuable information. The proposed research model of the study was empirically validated using data collected from 397 bank customers in Kish Island, Iran. Partial least squares-structural equation modeling was used to analyze the collected data from respondents. Findings The results indicated that relative advantage and compatibility have a significant direct effect on ICC loyalty. The significant connection between ICC loyalty by bank customers and their decision to have positive word of mouth was also confirmed. Originality/value This study represents a basis for further refinement of individual ICC acceptance and loyalty models for researchers. For practitioners, organizations and banks would be able to redesign and manage-related factors, which, in turn, would increase the probability of ICC acceptance and usage success by bank customers.

Applying innovation attributes to predict purchase intention for the eco-labeled products

2019 ◽  
Vol 11 (4) ◽  
pp. 583-599
Author(s):  
Sahar Hosseinikhah Choshaly
Keyword(s):  
Innovation Diffusion ◽  
Purchase Intention ◽  
Structural Model ◽  
Diffusion Theory ◽  
Measurement Model ◽  
Shopping Mall ◽  
Relative Advantage ◽  
Content Type ◽  
Innovation Diffusion Theory ◽  
Context Specific

Purpose This paper aims to make use of the innovation diffusion theory to predict the purchase intention for eco-labeled products. Design/methodology/approach Data are collected from 180 individuals in the Mid Valley shopping mall area in Malaysia. It is then analyzed using SPSS and Smart PLS. The measurement model is analyzed using composite reliability, convergent and discriminate validity, while the structural model is used to predict the relationships between variables. Findings Results indicate that the relative advantage, trialability and observability are positively related to eco-labeled products purchase intention, while the complexity is negatively related to eco-labeled products purchase intention. However, compatibility is not positively related to eco-labeled products purchase intention. Practical implications Marketers should enhance the observability of eco-labeled as it is the most influential attribute affecting eco-labeled products purchase intention. Relative advantages of eco-labeled products are also important to stimulate purchase intention. Marketers could best relate the innovation to context-specific use situations enabling consumers to evaluate the use consequences of the innovation, and therefore, may assess its particular benefits. Originality/value It explores the potential of a theoretical framework based on innovation diffusion theory to explain eco-labeled products purchase intention.

An integrated adoption model for Islamic credit card: PLS-SEM based approach

2018 ◽  
Vol 9 (3) ◽  
pp. 308-335 ◽  
Author(s):  
Dariyoush Jamshidi ◽  
Nazimah Hussin
Keyword(s):  
Conceptual Model ◽  
Credit Card ◽  
Structural Equation ◽  
Resistance To Change ◽  
The Body ◽  
Relative Advantage ◽  
Equation Modeling ◽  
Content Type ◽  
Study Results ◽  
Usage Behavior

PurposeOne challenge when launching new banking services is to overcome resistance to change so as to accelerate market acceptance. This is the case of Islamic credit card (ICC). In response, this study aims to develop a conceptual framework that combines the innovation diffusion theory (IDT) and the theory of reasoned action (TRA) with religious obligation and customer awareness to explain behavior intention and usage behavior of ICC. Design/methodology/approachTo test the conceptual model, the data are collected from 649 bank customers in Malaysia, and the structural equation modeling technique is used to test the forecasting model. FindingsThe study results support some relationships of IDT and TRA, such as relative advantage, compatibility, trialability, observability, attitude and also the customer awareness as a stronger predictor of intention of ICC. Originality/valueTo the author’s knowledge, there have not been any attempt to develop a conceptual model for identifying the factors that influence the adoption of ICC by integrating IDT and TRA and other added measures. Therefore, this study adds to the body of knowledge regarding ICC adoption studies by extending the IDT in this domain and integrating it with TRA as two well-established models in the area of acceptance and usage behavior studies.

scholarly journals DETERMINAN MINAT INDIVIDU MENGGUNAKAN LAYANAN FINANCIAL TECHNOLOGY DENGAN KERANGKA INNOVATION DIFFUSION THEORY

2019 ◽  
Vol 8 (2) ◽  
pp. 209-223
Author(s):  
Rada Nur Indriyati ◽  
Mimin Nur Aisyah
Keyword(s):  
Innovation Diffusion ◽  
Structural Equation ◽  
Diffusion Theory ◽  
Partial Least Square ◽  
Least Square ◽  
Relative Advantage ◽  
Equation Modeling ◽  
Innovation Diffusion Theory ◽  
Convenience Sampling ◽  
Financial Technology

Abstrak: Determinan Minat Individu Menggunakan Layanan Financial Technology dengan Kerangka Innovation Diffusion Theory. Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi minat individu menggunakan layanan fintech dengan kerangka Innovation Diffusion Theory (IDT). Penelitian ini merupakan explanatory research. Sampel penelitian adalah 100 pengguna layanan fintech di Kota Yogyakarta yang diperoleh dengan teknik convenience sampling. Metode analisis yang digunakan yaitu Structural Equation Modeling (SEM) dengan menggunakan Partial Least Square (PLS). Hasil penelitian ini menunjukkan bahwa relative advantage, compatibility, trialability, dan observability berpengaruh positif terhadap minat individu menggunakan layanan financial technology di Kota Yogyakarta, sedangkan complexity berpengaruh negatif terhadap minat individu menggunakan layanan financial technology di Kota Yogyakarta. Kata kunci: Innovation Diffusion Theory (IDT), Layanan Financial Technology, Karakteristik inovasi.

DETERMINAN MINAT INDIVIDU MENGGUNAKAN LAYANAN FINANCIAL TECHNOLOGY LINKAJA DENGAN KERANGKA INNOVATION DIFFUSION THEORY

2020 ◽  
Vol 4 (6) ◽  
pp. 951-966
Author(s):  
Brigitta Priscilla DivinaRianti ◽  
Brady Rikumahu
Keyword(s):  
Innovation Diffusion ◽  
Diffusion Theory ◽  
Relative Advantage ◽  
Probability Sampling ◽  
Innovation Diffusion Theory ◽  
Financial Technology

Determinan Minat Individu Menggunakan Layanan Financial Technology LinkAja dengan Kerangka Innovation Diffusion Theory. Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi minat individu menggunakan atau mengadopsi layanan fintech LinkAja dengan kerangka Innovation Diffusion Theory (IDT). Penelitian ini merupakan penelitian kuantitatif dengan menggunakan sampel penelitian sebanyak 400 pengguna layanan fintech LinkAja di Indonesia yang diperoleh dengan teknik probability sampling. Analisis data dengan menggunakan aplikasi IBM SPSS statistics 20. Hasil penelitian ini menunjukkan bahwa faktor relative advantage, compatibility, trialability, dan observability berpengaruh secara signifikan terhadap niat mengadopsi layanan financial technology LinkAja, sedangkan complexity tidak memiliki pengaruh yang signifikan terhadap niat mengadopsi LinkAja.

The antecedents of creative article diffusion on blogs

2017 ◽  
Vol 41 (1) ◽  
pp. 70-84 ◽  
Author(s):  
Hsiu-Hua Cheng
Keyword(s):  
Social Network ◽  
Innovation Diffusion ◽  
Network Theory ◽  
Service Providers ◽  
Diffusion Theory ◽  
Social Network Theory ◽  
Content Type ◽  
Social Network Data ◽  
Innovation Diffusion Theory ◽  
Practical Implications

Purpose Bloggers often create digital content. Diffusion of the creative articles can make many bloggers or readers visit blog platforms. Restated, diffusion of the creative articles can assist blog service providers (BSPs) to retain bloggers and attract new bloggers. Thus, the research is conducted on creative article diffusion on blogs based on innovation diffusion theory and social network theory. The paper aims to discuss this issue. Design/methodology/approach In this study, an information system was used to collect 250 creative articles and social network data of these creative articles. Validity of the specific study hypotheses is tested by using multi-regression analysis. Findings Analytical results indicate both observability and network density positively affect creative article diffusion, and ties-strength negatively affects creative article diffusion. Research limitations/implications Since the interpersonal interactive mechanism of blogs differs from that of social network websites, bloggers establish different social networks which may influence innovation diffusion. However, different websites may have different interpersonal interactive mechanisms. Therefore, the results of this study should not be over-generalized. Practical implications For diffusing information, BSPs may focus on blog articles with trackback rate below 10 percent among the friends-bloggers network and advertise these articles to make their trackback rate increase to 10-20 percent to reach the self-sustaining status. This strategy ensures the largest payoff from creative article diffusion. Originality/value This study contributes to the knowledge of social network and innovation diffusion on blog website and develops a model explaining how antecedents influence creative article diffusion.

What drives smartwatch adoption intention? Comparing Apple and non-Apple watches

2017 ◽  
Vol 35 (1) ◽  
pp. 186-206 ◽  
Author(s):  
Kuo-Lun Hsiao
Keyword(s):  
Online Survey ◽  
Diffusion Theory ◽  
Relative Advantage ◽  
Growth Strategies ◽  
New Product Adoption ◽  
Content Type ◽  
Innovation Diffusion Theory ◽  
Intention To Adopt ◽  
Further Development ◽  
Adoption Intention

Purpose The purpose of this study is twofold. First, an integrated model will be developed based on task-technology fit, innovation diffusion theory and the new product adoption model in order to explore the factors that affect smartwatch adoption. Second, the differences in the factors that affect users’ intention to adopt the Apple Watch and other smartwatches will be examined. Design/methodology/approach The data for this study were collected via an online survey questionnaire. The responses of 341 potential adopters of smartwatches were used to test the hypotheses in the research model. The casual model was assessed using partial least squares techniques. Findings The model can account for more than 50 percent of the variance in adoption intention. The research results affirm prior findings that perceived product attributes have relatively strong influence on adoption intention. Among these attributes, relative advantage has the strongest effect. Moreover, this study revealed differences between the antecedents of Apple watches and those of non-Apple watches. Practical implications The insights provided by this study can help smartwatch providers formulate better growth strategies. The findings also provide some directions for further development. Originality/value This study provides a better understanding of how the factors in the theories influence the adoption intentions of Apple watches and non-Apple watches.

Diffusion of changes in organizations

2015 ◽  
Vol 28 (1) ◽  
pp. 134-152 ◽  
Author(s):  
Taesung Kim
Keyword(s):  
Organizational Change ◽  
Innovation Diffusion ◽  
Diffusion Model ◽  
Communication Networks ◽  
Diffusion Theory ◽  
Value Added ◽  
Future Research ◽  
Content Type ◽  
Innovation Diffusion Theory ◽  
Change Leaders

Purpose – The purpose of this paper is to address the advisability of innovation diffusion theory for enhancing the adoption/execution success rate in leading organizational change. Design/methodology/approach – The study design involved an interpretive discussion of innovation diffusion theory and related research, followed by a review of influential models of organizational change management (CM). Through analysis and synthesis of the essential ideas and processes derived from both schools, this study conceptualized an integrated change diffusion model with practical and research implications. Findings – The study findings were presented via an organizational change diffusion model and its phases with major considerations. Leading change should be a systematic but responsive process as visualized by a sequential but recursive flow of the phases; change could sustain with the spontaneous function of organizational dynamics; before-during-after diagnosis and evaluation would be fundamental to the success of change efforts. Research limitations/implications – This study recommended that future research empirically test the validity of this study’s conceptual arguments and attempt to further integrate innovation diffusion and CM research in many areas, including the change leader’s competencies. Extended research opportunities were presented as well. Practical implications – This study suggested that change leaders concentrate resources on a few positively or negatively influential individuals and take advantage of communication networks to persuade and inform others to help with their change adoption. Change leaders were also advised to partner with formal/informal opinion leaders and facilitate each player’s proper role in the change diffusion efforts. An additional suggestion was that system-centric thinking should precede the individual-blame orientation in the root cause analysis of adoption/non-adoption (diffusion/non-diffusion) of a change. Originality/value – This study offers value by enriching CM approaches in consultation with the research asset on innovation diffusion, which has been less capitalized upon in the organizational CM arena. Specifically, value added includes an encompassing consideration of both normative-reeducative and empirical-rational perspectives on individuals’ behavior change, a research-based conceptual extension of CM models, and consummative strategies for effective and efficient change interventions.

scholarly journals The adoption of 4D BIM in the UK construction industry: an innovation diffusion approach

2017 ◽  
Vol 24 (6) ◽  
pp. 950-967 ◽  
Author(s):  
Barry J. Gledson ◽  
David Greenwood
Keyword(s):  
Construction Industry ◽  
Innovation Diffusion ◽  
Diffusion Theory ◽  
Time Lag ◽  
Sampling Strategy ◽  
Future Research ◽  
Content Type ◽  
Innovation Diffusion Theory ◽  
Building Information ◽  
The Uk

Purpose British construction industry KPI data collected over recent years shows a trend in projects exceeding their time schedules. In 2013, the UK Government set a target for projects timeframes to reduce by 50 per cent. Proposed interventions included more rapid project delivery processes, and consistent improvements to construction delivery predictions, deployed within the framework of 4D Building Information Modelling (BIM). The purpose of this paper is to use Rogers’ Innovation Diffusion theory as a basis to investigate how this adoption has taken place. Design/methodology/approach In total, 97 construction planning practitioners were surveyed to measure 4D BIM innovation take-up over time. Classic innovation diffusion research methods were adopted. Findings Results indicated an increasing rate of 4D BIM adoption and reveal a time lag between awareness and first use that is characteristic of this type of innovation. Research limitations/implications Use of a non-probability sampling strategy prevents the results being generalisable to the wider construction population. Future research directions and methods are suggested, including qualitative investigations into decision-making processes around 4D BIM, and case studies exploring the consequences of 4D BIM adoption. Practical implications Recommendations of how to facilitate the adoption of 4D BIM innovation are proposed, which identify the critical aspects of system compatibility and safe trialling of the innovation. Originality/value This paper reinforces 4D BIM as an innovation and records its actual UK industry adoption rate using an accepted diffusion research method. By focusing on UK industry-wide diffusion the work also stands apart from more typical research efforts that limit innovation diffusion exploration to individual organisations.

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