Forecasting patronage factors of Islamic credit card as a new e-commerce banking service

2016 ◽  
Vol 7 (4) ◽  
pp. 378-404 ◽  
Author(s):  
Dariyoush Jamshidi ◽  
Nazimah Hussin
Keyword(s):  
Technology Acceptance ◽  
Credit Card ◽  
Explanatory Power ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Content Type ◽  
Banking Service ◽  
Usage Behavior ◽  
Perceived Religiosity

Purpose Understanding the important patronage factors of Islamic credit card as a new e-commerce banking service is essential for bankers and users. Although some previous studies have focused on the factors that influence adoption of Islamic credit card, there are few empirical research studies that use a well-established adoption model that helps bankers and consumers to accept and use the Islamic credit card. This study aims to provide such a model to facilitate the adoption of Islamic credit card. Design/methodology/approach In response, a conceptual model was developed that combines the Technology Acceptance Model (TAM) with perceived religiosity (a new developed construct in this study) and trust to explain usage intention of this new banking product. Accordingly, the data were collected from 327 bank customers, and the results supported the applicability of TAM to describe usage behavior of Islamic credit card. Besides, the newly developed construct (perceived religiosity) increased the TAM power regarding explaining adoption of a new e-commerce banking service. Findings Theoretically, the results of this study advocate that perceived religiosity increase the TAM predictive power to clarify intention to use. While, perceived usefulness, perceived ease of use and attitude explained low level of the variance regarding intention to use, by adding perceived religiosity to TAM, these constructs contributed to an increase in the described variance, therefore offering a better explanatory power. In addition, the proposed joint TAM, perceived religiosity and trust explained 57.1 per cent of usage behavior variance. These results are of prime importance, as, to the best of the authors’ knowledge, this is the first study that proves the applicability of TAM for explaining adoption and usage of the Islamic credit card. Originality/value The findings of the current study showed that perceived usefulness is an important factor effecting people’s intention to use the Islamic credit card. Consequently, managers need to first ensure that the Islamic credit card and its services are technically sound and work in an appropriate manner. The focus should be on promoting speed, efficiency and effectiveness of this new product. In financial part, there is a need to reduce the interest rate in the long run to encourage potential users to consider the usage of the Islamic credit card and its offered services.

scholarly journals Perceived value of social networking sites (SNS) in students' expressive participation in social movements

2014 ◽  
Vol 8 (1) ◽  
pp. 56-78 ◽  
Author(s):  
Juan D. Borrero ◽  
Shumaila Y. Yousafzai ◽  
Uzma Javed ◽  
Kelly L. Page
Keyword(s):  
Social Movements ◽  
University Students ◽  
Social Networking ◽  
Technology Acceptance ◽  
Social Networking Sites ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Content Type

Purpose – The purpose of this study is to determine the beliefs that influence university students to use social networking sites (SNS) for expressive participation in social movements. Design/methodology/approach – The original technology acceptance model (TAM), a quantitative methodological approach, and a survey were used to collect responses from 214 university students in Spain. Structural equation modelling was used to test the proposed relationships. Findings – Results confirm that the perceived ease of use (PEU) and perceived usefulness (PU) of SNS significantly affect a student's intention to use SNS for expressive social participation in social movements, with use intention significantly affecting actual participation. There was no significant moderating effect of students' gender on these relationships. Originality/value – Although there is much discussion in the popular press about how people use SNS, there is no published empirical research on the determinants that contribute to a person's intention to use and actual use of SNS in the context of social movements. This paper is one of the first studies to investigate young people's perception of the SNS usefulness and ease of the use for participation in social movements.

Determinants of continuance intention to use mobile self-scanning applications in retail

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Andreia Ferreira ◽  
Graça Miranda Silva ◽  
Álvaro Lopes Dias
Keyword(s):  
Technology Acceptance ◽  
Direct Effect ◽  
Emerging Market ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Intention To Use ◽  
Continuance Intention ◽  
Content Type ◽  
Positive Direct

PurposeRetailers are increasingly using self-service technologies to improve customer experience and reduce costs. The purpose of this study is to identify factors that could explain the level of continuance intention of mobile self-scanning applications in retail. Based on previous theoretical streams, the present study integrates technology readiness (TR) and service quality into the technology acceptance model.Design/methodology/approachUsing data collected through an online survey of 217 users of a mobile self-scanning application of a large supermarket chain operating in Portugal, the study uses partial least squares structural equation modeling to test the proposed hypotheses.FindingsThe results indicate that the continuance usage of the self-scanning apps is directly driven by users' satisfaction and perceived usefulness. Findings also show that TR has a positive and significant impact on ease of use and perceived usefulness. Ease of use has a positive impact on users' satisfaction and perceived usefulness but has no direct effect on the continuance intention to use the application. Perceived quality has a positive direct effect on satisfaction and a positive indirect effect on continuance intention. Finally, need for interaction has a negative effect on TR.Originality/valueThis work contributes to a better understanding of the emerging market for mobile self-scanning applications in retail applications, particularly relevant in a digital transition context.

Consumer acceptance of smart speakers: a mixed methods approach

2018 ◽  
Vol 12 (4) ◽  
pp. 418-431 ◽  
Author(s):  
Pascal Kowalczuk
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Online Survey ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Smart Devices ◽  
Intention To Use ◽  
Content Type ◽  
Acceptance Model

PurposeVoice-activated smart speakers such as Amazon Echo and Google Home were recently developed and are gaining popularity. Understanding and theorizing the underlying mechanisms that encourage or impede consumers to use smart speakers is fundamental for enhancing acceptance and future development of these new devices. Therefore, building on technology acceptance research, this study aims to develop and test an acceptance model for investigating consumers’ intention to use smart speakers.Design/methodology/approachFirst, antecedents that may significantly affect the usage intention of smart speakers were identified through an explorative approach by a netnographic analysis of customer reviews (N= 2,186) and Twitter data (N= 899). Afterward, these results and contemporary literature were used to develop and validate an acceptance model for smart speakers. Structural equation modeling (SEM) was used to test the proposed hypotheses on data collected from 293 participants of an online survey.FindingsBesides perceived ease of use and perceived usefulness, the quality and diversity of a system, its enjoyment, consumer’s technology optimism and risk (surveillance anxiety and security/privacy risk) strongly affect the acceptance of smart speakers. Among these variables, enjoyment had the strongest effect on behavioral intention to use smart speakers.Originality/valueThis is the first study that incorporates netnography and SEM for investigating technology acceptance and applies it to the field of interactive smart devices.

Perceived value of social media in students’ participation in social movement

2019 ◽  
Vol 35 (3/4) ◽  
pp. 244-258 ◽  
Author(s):  
Shohana Akter ◽  
Md. Anwarul Islam
Keyword(s):  
Social Media ◽  
Technology Acceptance ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Reform Movement ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Tam Model ◽  
Use Of Social Media

Purpose The purpose of this study is to empirically investigate the use of social media (SM) and its influence for increasing students’ participation in the quota reform movement at the University of Dhaka, Bangladesh. Design/methodology/approach The revised technology acceptance model (TAM) was used to formulate this research’s hypotheses. A survey was administered to obtain data about students’ intention to use SM. The survey consisted of a set of questions based upon the revised TAM model. A total of 498 surveys were distributed and 304 students responded to it; hence, response rate was of 61.04%. A regression and single way ANOVA were conducted to test the hypotheses. Findings The results indicate that most of the students use SM for academic purposes and to get connected with friends. Among the social networking tools, Facebook is the most widely used by the respondents. Findings supported that perceived ease of use and perceived usefulness of SM affect student’s intention to increase participation in the quota reform movement. There were no significant relationships between gender and politics with the use of SM. Research limitations/implications A sample of students from Dhaka University was taken and the sample size was small. As a result, the findings of this study cannot be generalized in other settings. SM has a positive effect in the societies where change happens through collective actions. Originality/value Why and how students use SM has been widely discussed over the available literature, but students’ intention to use for it for social movements has not been studied. This study has made an effort to empirically examine the use of SM in the context of the quota reform movement in Bangladesh.

scholarly journals Factors Influencing Intention to Use e-Government Services Among Citizens in Malaysia

2010 ◽  
pp. 334-359
Author(s):  
Ooh Kim Lean ◽  
Suhaiza Zailani ◽  
T. Ramayah ◽  
Yudi Fernando
Keyword(s):  
Technology Acceptance ◽  
Diffusion Of Innovation ◽  
Explanatory Power ◽  
Negative Relationship ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Relative Advantage ◽  
Intention To Use ◽  
Government Service ◽  
Acceptance Model

With the liberalization and globalization, Internet has been used as a medium of transaction in almost all aspects of human living. This study is investigating the factors that influencing the intention to use e-government service among Malaysians. This study integrates constructs from the models of Technology Acceptance Model (TAM), Diffusion of Innovation (DOI) which been moderated by culture factor and trust model with five dimensions. Structured questionnaire was used to collect data from 195 respondents. The result of the analysis showed that trust, perceived usefulness, perceived ease of use, compatibility, perceived relative advantage and perceived image respectively has a direct positive significant relationship towards intention to use e-government service and perceived complexity has a significant negative relationship towards intention to use e-government service. While perceived strength of online privacy protection and perceived strength of data integrity have a positive impact on a citizen’s trust to use e-government service. However, the uncertainty avoidance (moderating factor) used in the study has no significant effect on the relationship between the innovation factors (compatibility, complexity, relative advantage and image) and intention to use e-government service. Finally in comparing the explanatory power of the entire intention based model (TAM, DOI and Trust) with the studied model, it has been found that the DOI model has a better explanatory power.

scholarly journals Understanding the consumer’s intention to use the e-wallet services

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Shaizatulaqma Kamalul Ariffin ◽  
Mohamad Fakhrul Reza Abd Rahman ◽  
Ali Mughal Muhammad ◽  
Qi Zhang
Keyword(s):  
Technology Acceptance ◽  
User Satisfaction ◽  
Online Survey ◽  
Perceived Value ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Integrative Approach ◽  
Intention To Use ◽  
Content Type ◽  
The Relationship

Purpose The purpose of this paper is to investigate the key factors that explain intention to use e-wallet services (perceived usefulness, perceived ease of use, attitude, subjective norm, positive disconfirmation and perceived behavioral control). The moderating role of perceived value in the relationship between satisfaction and their intention to continue using the e-wallet is also examined. Methodology A total of 257 e-wallet users participated in an online survey and hypotheses were tested with SPSS/PLS-SEM. Findings The constructs technology acceptance model (TAM), theory of planned behavior (TPB) and user satisfaction affect intention to use. However, perceived value does not strengthen the relationship between user satisfaction and e-wallet usage intention. Practical implications The TAM, TPB and expectancy disconfirmation model (EDM) constructs help explain the use of e-wallet services. These results will help the providers of these services to understand user behavior and to design their marketing strategies more appropriately to ensure consumer satisfaction and their intention to use e-wallet services. Originality This study adopts a holistic and integrative approach to explain the continued use of e-wallet services. The model integrates three basic adoption theories: TAM, TPB and EDM.

Disclosing customers' intentions to use social media for purchase-related decisions

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Sumit Sangwan ◽  
Supran Kumar Sharma ◽  
Jyoti Sharma
Keyword(s):  
Social Media ◽  
Technology Acceptance ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Adoption Studies ◽  
Content Type ◽  
Information Reliability

PurposeThe present study intends to shed light on behaviour of customers towards usage of social media for purchasing decisions. The study proposes an extension to technology acceptance model (TAM) to analyse the significance of monetary benefits and information reliability on customers' intention to use social media.Design/methodology/approachThe sample was drawn from social media users of north-western region of India (n = 622). The proposed model was tested using exploratory factor analysis and structural equation modelling.FindingsResults indicate that monetary benefits and perceived ease of use have significant influence on customers' intention to use social media, while information reliability and monetary benefits significantly influence only through perceived usefulness.Practical implicationsThe findings are valuable to marketers to acknowledge the potential of social media to reach to masses by providing timely and reliable information. The study also reveals that website/app developers should implement a user-friendly interface and reliable content to influence customers' usage behaviour.Originality/valueThe study is a unique attempt to examine the effect of monetary benefits and information reliability with TAM's key constructs in the context of social media adoption. Studies undertaken aforementioned dimensions are mainly concerned with examining direct contribution of social media and its effect on purchase decisions.

Factors affecting spectators’ adoption of digital ticketing: the case of interscholastic sports

2020 ◽  
Vol 21 (3) ◽  
pp. 527-541 ◽  
Author(s):  
Armin Marquez ◽  
Beth A. Cianfrone ◽  
Timothy Kellison
Keyword(s):  
High School ◽  
Willingness To Pay ◽  
Technology Acceptance ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
American Football ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Practical Applications

PurposeThe paper investigates the factors influencing spectators’ adoption of digital (mobile) ticketing by expanding the Technology Acceptance Model (TAM; Davis, 1989) to include two variables overlooked in previous ticketing research: (1) trust of digital ticketing and (2) willingness to pay convenience fees. The study provides information on consumer behavior that may aid sports managers’ decision-making.Design/methodology/approachThrough a paper-and-pencil survey of high school American football spectators (N = 523) over 12 games, the study examined perceived ease of use, perceived usefulness, the trust of digital ticketing, willingness to pay convenience fees and their effects on spectators’ intention to use digital ticketing.FindingsTrust of digital ticketing, willingness to pay a convenience fee and the perceived ease of use were found to influence the perceived usefulness of the technology, which, in turn, had a significant effect on the intention to use. Willingness to pay fees also had a direct effect on intention.Research limitations/implicationsAlthough every intention was made to ascertain a diverse sampling of schools (urban vs. suburban, large vs. small), it is worth noting that the sample location may be a limitation for the overall applicability.Practical implicationsThe manuscript includes practical applications for marketers and ticket sales staff. Digital (mobile) ticketing is on the rise. As segments like high school athletics adopt the technology, spectators’ evaluation of digital ticketing must be considered, given its impact on intentions to use.Originality/valueThe findings support the use of willingness to pay convenience fees and trust of digital ticketing as considerations in the TAM for understanding digital ticketing.

Consumer attitude and intention to adopt mobile wallet in India – An empirical study

2019 ◽  
Vol 37 (7) ◽  
pp. 1590-1618 ◽  
Author(s):  
Deepak Chawla ◽  
Himanshu Joshi
Keyword(s):  
Technology Adoption ◽  
Technology Acceptance ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Relative Advantage ◽  
Consumer Attitude ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Think Tank ◽  
Content Type

Purpose The purpose of this paper is to empirically examine the factors that influence a consumer’s attitude and intention to use mobile wallets using a sample representative of Indian users. Design/methodology/approach A multidisciplinary model is proposed, building on the technology acceptance model (TAM) and unified theory of acceptance and use of technology (UTAUT) and other relevant research on factors, which influence technology adoption. A synthesis of review of literature on factors influencing technology adoption besides two focus group discussions (FGD) was used as a design a pilot instrument. A nationwide primary survey was conducted using the questionnaire. Convenience sampling was used to select the respondents. In total, 744 respondents participated in the survey, and 17 hypotheses were formulated and PLS-SEM was used to estimate and test the hypothesized model. Findings The results show that factors like perceived ease of use (PEOU), perceived usefulness (PU), trust, security, facilitating conditions and lifestyle compatibility have a significant impact on the consumer attitude and intention to use mobile wallets. Of the proposed 17 hypotheses, 15 were accepted. Ease of use significantly influenced usefulness and trust, whereas PU significantly influenced trust, attitude and intention. Security and trust were found to be play an important role in determining trust. Research limitations/implications This study examines the perception of students and working professional from large Indian cities. A larger representative sample encompassing balanced representation from urban and rural India could enhance the scope and widen the application of the results across larger target groups. This study analyzes data at a specific point in time. Considering the rapidly changing rate of adoption of mobile wallets, a longitudinal study could, therefore, be conducted. Furthermore, the possibility of including other antecedents like relative advantage, perceived benefits, personal innovativeness among other factors, which have not been addressed here can be explored. Also, additional research can help examine the role of demographics in adoption of mobile wallets including its moderating effect. Practical implications As security and trust emerged as important constructs for acceptance of mobile wallets, there is a need for developing an integrated robust, reliable and secure infrastructure. A joint think tank involving key stakeholders (financial institutions, mobile wallet providers, government, security experts, etc.) should propose guidelines to ensure safe and secure transactions. The findings have managerial implications, which can guide companies offering mobile wallets to enhance usage and adoption of such services. Originality/value Mobile wallets have provided newer digital payment avenues to consumers while offering companies and marketers greater opportunities to market their products and services, online. However, not much is reported about the adoption of mobile wallets in India. The study is perhaps the first in India to examine the adoption of mobile wallets using a larger sample in comparison to earlier studies. The study proposes and validates additional constructs, which were not present in the original model.

Exploring the intention to use mobile learning: the moderating role of personal innovativeness

2014 ◽  
Vol 16 (1) ◽  
pp. 40-61 ◽  
Author(s):  
Yung-Ming Cheng
Keyword(s):  
Technology Acceptance ◽  
Mobile Learning ◽  
Structural Equation ◽  
Group Analysis ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Intention To Use ◽  
Content Type ◽  
Personal Innovativeness

Purpose – The main purpose of this study was to combine the extended technology acceptance model (TAM) with the innovation diffusion theory (IDT) to examine how learners' beliefs affected their usage intention of mobile learning (m-learning) and explore whether the relationships between learners' beliefs and their usage intention of m-learning changed under different levels of personal innovativeness regarding the new information technology (IT). Design/methodology/approach – Sample data for this study were collected from Taiwanese mobile phone users, a total of 750 questionnaires were distributed, and 486 usable questionnaires were analyzed in this study, with a usable response rate of 64.80 per cent. Collected data were analyzed using structural equation modeling, multiple group analysis, and hierarchical moderated regression analysis. Findings – Perceived usefulness (PU), perceived ease of use (PEOU), perceived enjoyment (PE), and compatibility can play essential roles in affecting learners' intention to use m-learning. Personal innovativeness can moderate the effects of PU, PEOU, and compatibility on intention to use m-learning except the effect of PE on intention to use m-learning. Originality/value – Based on the views of the extended TAM with the IDT, this study incorporates intrinsic motivator (i.e. PE) along with conventional extrinsic motivators (i.e. PU and PEOU) into its analysis of m-learning acceptance for a more robust analysis and exhibits explicit results indicating that the effects of learners' beliefs on their usage intention of m-learning depend largely on their innovative predisposition regarding the new IT.

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