Adoption of digital payment systems in the era of demonetization in India

2019 ◽  
Vol 10 (1) ◽  
pp. 143-171 ◽  
Author(s):  
Brijesh Sivathanu
Keyword(s):  
Structural Equation ◽  
Service Providers ◽  
Cross Sectional Study ◽  
Equation Modeling ◽  
Payment Systems ◽  
Cross Sectional ◽  
Content Type ◽  
Actual Usage ◽  
Use Of Technology ◽  
Frame Work

PurposeThis study aims to investigate the actual usage (AU) of digital payment systems by the consumers during the period of demonetization (from November 9, 2016 to December 30, 2016) in India.Design/methodology/approachThe conceptual frame work for this study is based on the unified theory of acceptance and use of technology (UTAUT 2) and innovation resistance theory. A total of 766 sample respondents were surveyed using a pre-tested questionnaire. The empirical validation of the framework and analysis was done using partial least squares (PLS)-structural equation modeling (SEM) technique.FindingsThe results suggest that the behavioral intention (BI) to use and innovation resistance (IR) affect the usage of digital payment systems. The relation between BI to use digital payment systems and the AU of digital payment systems is moderated by the stickiness to cash payments.Research limitations/implicationsThis cross-sectional study is limited by geographic constraints and highlights the AU of digital payment systems by using the UTAUT 2 and IR theory only during the demonetization period.Practical implicationsThis study offers valuable insights to the economists, policymakers and digital payment service providers regarding the usage of digital payment systems by consumers during demonetization.Originality/valueThis study assumes importance as it empirically examines the influence of BI and IR on the AU of digital payment systems during the demonetization period in India. This study empirically validates the moderating influence of stickiness to cash payments on the AU of digital payment systems.

scholarly journals Examining consumers’ usage intention of contactless payment systems

2019 ◽  
Vol 38 (2) ◽  
pp. 332-351
Author(s):  
Heikki Karjaluoto ◽  
Aijaz A. Shaikh ◽  
Matti Leppäniemi ◽  
Roope Luomala
Keyword(s):  
Structural Equation ◽  
Service Providers ◽  
Equation Modeling ◽  
Payment Systems ◽  
Developed Country ◽  
Content Type ◽  
Point Of Sale ◽  
Brand Engagement ◽  
Use Of Technology ◽  
Continued Use

Purpose The purpose of this paper is to develop and test a conceptual model that combines the modified Unified Theory of Acceptance and Use of Technology (UTAUT2) with a consumer brand engagement (CBE) model to predict consumers’ usage intentions toward contactless payment systems in a developed country. Design/methodology/approach The authors cooperated with a contactless payment service provider in Finland and reached out to 22,000 customers, resulting in 1,165 usable responses. The collected data were analyzed using structural equation modeling. Findings The study shows that the UTAUT2 and the CBE model together explain approximately 70 percent of the variance in usage intention. Of the predictors, habit and consumers’ overall satisfaction have the strongest influence on usage intentions. The model also confirms the positive relationship between intention and use. Practical implications Understanding the reasons for both the intention to use and the continued use of contactless payments is important for merchants, banks and other service providers. This study shows which technology adoption factors drive both the intention and the use of contactless payments. The finding that intention is mainly driven by habit and overall satisfaction and not by hedonic reasons indicates that such behaviors are difficult to change. Originality/value This study is among the first to examine contactless payment usage in a developed market, where over half of all point-of-sale transactions are executed using contactless payment cards and/or cell phones.

Pathways to job engagement: evidences from the software industry

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Sumbul Zaman ◽  
Amirul Hasan Ansari
Keyword(s):  
Social Exchange ◽  
Structural Equation ◽  
Social Exchange Theory ◽  
Positive Association ◽  
Cross Sectional Study ◽  
Quality Of Work Life ◽  
Equation Modeling ◽  
Job Engagement ◽  
Cross Sectional ◽  
Content Type

Purpose The purpose of this paper is to broaden the link between workplace flexibility (WF) and job engagement (JE) while considering quality of work life (QWL) as mediator and the use of knowledge sharing (KS) as moderator. While numerous studies have focused solely on the importance of WF, QWL, KS and JE only exclusively, this study integrates them to delineate their association and to empirically assess the relationships. To advance an in-depth knowledge of these aspects, the study goes beyond the conventional findings. Design/methodology/approach In total, 378 employees from software firms in India participated in the questionnaire-based survey. It is a cross-sectional study. The proposed conceptual model and hypothesis were analyzed and tested by structural equation modeling and process macro. Drawing on the person environment (P-E) fit theory and social exchange theory, the authors discuss how QWL mediates and KS moderates the association between WF and JE. Findings Results indicate a positive association between WF and JE. Furthermore, it was found that QWL mediated and KS moderated this association. Practical implications Findings of the study will help the management to comprehend the significance QWL interventions in increasing their JE. This paper may encourage HR managers in the Information Technology (IT) industry to perceive the importance of KS. Moreover, the study accentuates flexible work options as essential phenomenon to positively impinge on the JE of employees in the IT sector. Originality/value The present study tries to enrich the extant research on WF and JE while it demonstrates the use of QWL interventions and KS as vital constructs that may significantly and positively influence JE.

Job crafting and motivation to continue working beyond retirement age

2016 ◽  
Vol 21 (5) ◽  
pp. 477-497 ◽  
Author(s):  
Philipp Wolfgang Lichtenthaler ◽  
Andrea Fischbach
Keyword(s):  
Sense Of Coherence ◽  
Structural Equation ◽  
Job Demands ◽  
Cross Sectional Study ◽  
Job Crafting ◽  
Equation Modeling ◽  
Retirement Age ◽  
Cross Sectional ◽  
Content Type ◽  
Older Employees

Purpose The purpose of this paper is to examine how promotion- and prevention-focussed job crafting impacts the motivation of older employees to continue working beyond retirement age. The authors hypothesized that promotion-focussed job crafting (i.e. increasing social and structural job resources, and challenging job demands) relates positively and prevention-focussed job crafting (i.e. decreasing hindering job demands) relates negatively with motivation to continue working after reaching the official retirement age, and that these relationships are sequential mediated by work sense of coherence and burnout. Design/methodology/approach Data from 229 older employees (mean age=55.77) were analyzed using structural equation modeling. Findings Promotion-focussed job crafting was positively and prevention-focussed job crafting was negatively related with employees’ work sense of coherence, which was predictive of employees’ burnout, which in turn was predictive of motivation to continue working beyond retirement age. Research limitations/implications Despite the cross-sectional study design, the results unfold how promotion- and prevention-focussed job crafting are related with motivation to continue working beyond retirement age through work sense of coherence and burnout. Practical implications Given today’s aging and shrinking workforce, older employees working beyond their official retirement age are a necessity for organizations’ functional capability. The results suggest that organizations should encourage employees’ promotion-focussed job crafting and limit prevention-focussed job crafting. Promotion-focussed job crafting facilitates employees’ work sense of coherence, which keeps them healthy and motivates older employees to continue working beyond retirement age. Originality/value This study adds to the literatures on job crafting and motivation to continue working beyond retirement age and explicates intervening processes in this relationship.

Factors affecting adoption of internet banking in Jordan

2015 ◽  
Vol 33 (4) ◽  
pp. 510-529 ◽  
Author(s):  
Awni Rawashdeh
Keyword(s):  
Technology Acceptance ◽  
Behavioral Intention ◽  
Structural Equation ◽  
New Technologies ◽  
Internet Banking ◽  
Cross Sectional Study ◽  
Ease Of Use ◽  
Equation Modeling ◽  
Cross Sectional ◽  
Content Type

Purpose – The purpose of this paper is to investigate the Jordanian accountant’s behavioral intention of using the Internet Banking services to focus on the perceptions of the users in terms of usefulness and ease of use of Internet Banking, besides the privacy of using this dynamic technology for meeting their banking requirements. Design/methodology/approach – The questionnaire on Internet Banking was specifically designed and used to survey a randomly selected sample of Jordanian accountants from the web site of the Jordan Association of Certified Public Accountants and 298 usable responses were obtained. The data were analyzed using SPSS and AMOS (structural equation modeling). Findings – The results of this analysis support the extended Technology Acceptance Model (TAM) as well as confirm its robustness for predicting the behavioral intention of the adoption of Internet Banking by the Jordanian chartered accountants. Research limitations/implications – During a period when quick changes are taking place, new technologies are entering the market every day, resulting in a cross-sectional study which cannot be generalized perfectly. Practical implications – The findings offered useful information for the bank management in order to formulate marketing strategies for Internet Banking. Originality/value – This study has contributed to the literature available as it formulated and validated an extended TAM for predicting the adoption of Internet Banking.

scholarly journals Extending the UTAUT model to understand the customers’ acceptance and use of internet banking in Lebanon

2016 ◽  
Vol 29 (4) ◽  
pp. 830-849 ◽  
Author(s):  
Ali Tarhini ◽  
Mazen El-Masri ◽  
Maged Ali ◽  
Alan Serrano
Keyword(s):  
Structural Equation ◽  
Developed Countries ◽  
Internet Banking ◽  
Government Support ◽  
Cross Sectional Survey ◽  
Cross Sectional ◽  
Content Type ◽  
Actual Usage ◽  
Use Of Technology ◽  
Facilitating Conditions

Purpose A number of studies have shown that internet banking (IB) implementation is not only determined by banks or government support, but also by perceptions and experience of IB users. IB studies have showed encouraging results from academics in developed countries. Yet little is known about the user adoption of IB in Lebanon. The purpose of this paper is to investigate the factors that may hinder or facilitate the acceptance and usage of IB in Lebanon. Design/methodology/approach A conceptual framework was developed through extending the unified theory of acceptance and use of technology (UTAUT) by incorporating two additional factors namely; perceived credibility (PC) and task-technology fit (TTF). A quantitative approach based on cross-sectional survey was used to collect data from 408 IB consumers. Data were analysed using structural equation modelling based on AMOS 20.0. Findings The results of the structural path revealed that performance expectancy (PE), social influence, PC and TTF to be significant predictors in influencing customers’ behavioural intention (BI) to use IB and explained 61 per cent of its variance, with PE was found the strongest antecedent of BI. Contrary to the UTAUT, the effect of effort expectancy on BI was insignificant. In addition, both BI and facilitating conditions were found to affect the actual usage behaviour and explained 64 per cent of its variance Practical implications This study would be helpful for bank managers and policy makers to explain the currently relatively low penetration rate of IB in formulating strategies to encourage the adoption and acceptance of IB by Lebanese customers, where IB is still considered an innovation. Originality/value This study is the first research that extend the UTAUT by incorporating two additional factors namely; PC and TTF to study the IB in the Lebanese context. This study contributes to the research on computer technology usage by looking at IB adoption and incorporation into the lives of customers via the BI to use and actual usage of IB in Lebanon.

Flexibility, collaboration and relationship quality in the logistics service industry

2018 ◽  
Vol 30 (3) ◽  
pp. 555-570 ◽  
Author(s):  
Shihyu Chou ◽  
Chi-Wen Chen ◽  
Ya-Ting Kuo
Keyword(s):  
Relationship Quality ◽  
Structural Equation ◽  
Service Industry ◽  
Service Providers ◽  
Equation Modeling ◽  
Cross Sectional Survey ◽  
Cross Sectional ◽  
Content Type ◽  
Logistics Service ◽  
Antecedents And Consequences

PurposeThe purpose of this paper is to examine the relationship between competitive capabilities, including flexibility and collaboration between logistics service providers (LSPs) and their customers, and relationship quality, as measured by trust, dependence and commitment.Design/methodology/approachA total of 309 logistics managers were invited to participate in this study and structural equation modeling was performed to analyze the measurement and structural models.FindingsThe results show that both flexibility and collaboration positively influence trust and dependence. Moreover, dependence does not appear to influence commitment. Finally, the authors hypothesize and find that trust plays an important role in the research model and positively increase commitment.Research limitations/implicationsThe main limitation of this study is that this study used a cross-sectional survey approach to collect data on all research variables. Compared with longitudinal data, cross-sectional data might not be able to demonstrate completely the temporal sequence of the antecedents and consequences, which might result in spurious cause-effect inferences.Practical implicationsThe findings offer several important implications for LSPs. First, the findings imply that LSPs need to make their customers want to share useful information related to operations and logistics. Second, flexibility plays an important role in forming customers’ trust in logistics service industry.Originality/valueLittle research has been done on combining a resource-based view (RBV) and relationship marketing (RM) together in logistics service context. Therefore, this study advances the RBV and RM and adds value to the literature by demonstrating the applicability of the observed relationships among LSPs.

To continue or not to continue: a structural analysis of antecedents of mobile payment systems in India

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Prashant Raman ◽  
Kumar Aashish
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Intention To Use ◽  
Payment Systems ◽  
Continuance Intention ◽  
Cross Sectional ◽  
Content Type ◽  
Payment Services

PurposeConsumers in India are increasingly using mobile payment systems (MPSs) to make online and offline payments. Digital payment applications are gradually being used as surrogates for cash, checks and plastic money. The motive behind this research is to analyze the different antecedents that impact the users' willingness to continue using the MPS in India.Design/methodology/approachAn extensive study of the literature review supports the creation of a framework that describes the continuance intention of using MPS. Data from a survey of 612 respondents from India were collected to assess the research model. The study used partial least squares (PLS)–structural equation modeling (SEM) technique to empirically validate the framework developed.FindingsThe outcomes of the research suggest that service quality, attitude, effort expectancy and perceived risk act as influencing antecedents of continuance intention to use MPS. Determinants like perceived trust, convenience and social value have no influence on users' continuance intention. SEM analysis has verified the proposed model, which explains 50.7% of the variance of the users' continuance intention of using MPSs.Research limitations/implicationsThe research is built upon cross-sectional data carried out in India. Hence, the outcomes of the study are limited to this region only.Practical implicationsEngaging with the consumers for a long time and enabling their continuance usage are extremely important for firms offering mobile payment services. The managerial implications provide insights into the different ways to capture new business opportunities to the firms rendering mobile payment services in the wake of changing consumer behavior.Originality/valueThis research tries to analyze users' continuance intention to use MPS in India. Although many research studies have investigated the willingness of the individuals to adopt novel technology in different frameworks, there are hardly any empirical studies carried out to analyze the antecedents of users' continuance intention to use MPSs.

Women’s glass ceiling beliefs predict work engagement and burnout

2017 ◽  
Vol 36 (9) ◽  
pp. 1125-1136 ◽  
Author(s):  
Senthil Arasu Balasubramanian ◽  
Remya Lathabhavan
Keyword(s):  
Glass Ceiling ◽  
Work Engagement ◽  
Structural Equation ◽  
Negative Relationship ◽  
Cross Sectional Study ◽  
Equation Modeling ◽  
Cross Sectional ◽  
Content Type ◽  
Female Employees ◽  
The Relationship

Purpose The purpose of this paper is to examine the relationship between glass ceiling beliefs, work engagement, and burnout. Design/methodology/approach A research model was developed based on the constructs from the Career Path Survey (CPS) and a literature review of research related to work engagement and burnout. Data from a cross-sectional study of 467 female employees from banks in India were collated and empirically tested, using structural equation modeling. Findings Denial and resilience were positively related to work engagement and negatively to burnout. Resignation and acceptance had a positive relationship with burnout and a negative relationship with work engagement. Research limitations/implications Further longitudinal studies focusing on different occupational sectors and career aspects can be considered for a more accurate and generalized insight into this concept. Practical implications Glass ceiling survey can be considered as an input for human resource functions for effectiveness of the organization. Originality/value This paper is the first to analyze the connection between the beliefs that women have about the glass ceiling and burnout and its components.

An empirical study on the online learning experience of MOOCs: Indian students’ perspective

2019 ◽  
Vol 34 (3) ◽  
pp. 586-609
Author(s):  
Rajasshrie Pillai ◽  
Brijesh Sivathanu
Keyword(s):  
Online Learning ◽  
Social Presence ◽  
Structural Equation ◽  
Learning Experience ◽  
Contextual Factors ◽  
Cross Sectional Study ◽  
Primary Data ◽  
Equation Modeling ◽  
Cross Sectional ◽  
Content Type

Purpose The purpose of this paper is to investigate the online learning experience (LE) of massive open online courses (MOOCs) among the students in India using the lens of community of inquiry (CoI) model and two additional contextual factors. Design/methodology/approach The study conducted a survey using a structured questionnaire among the undergraduate and postgraduate students to examine the LE of MOOCs using the CoI framework and contextual variables – technical barrier (TB) and hedonic motivation (HD). The primary data were analyzed with the partial least squares structural equation modeling technique. Findings The results show that teaching presence (TP) influences cognitive presence (CP) and social presence (SP). SP influences CP. It is also found that TP, SP and CP influence the LE of MOOCs. It is found that TB negatively influences LE but is not significant and HD significantly influences LE positively for MOOCs. Research limitations/implications This study has a few limitations as it is a cross-sectional study in India, which surveyed undergraduate and postgraduate MOOCs learners, and caution needs to be taken while generalizing the outcomes. Further studies can be conducted across other countries considering demographic factors like age, gender, income groups, education and profession. Practical implications This research highlights the antecedents influencing the LE of MOOC learners using the CoI framework which will help the MOOC designers and marketers to apprehend the factors influencing LE. The results of this research will help them formulate suitable strategies in the design and delivery of MOOCs to improve the LE of learners. Originality/value This unique research investigates and empirically validates the CoI framework to understand LE of MOOC learners in India. This research extends the CoI framework by adding contextual factors – TB and HD in the context of a developing country.

Customer’s patronage decision toward health insurance products

2018 ◽  
Vol 30 (1) ◽  
pp. 62-83 ◽  
Author(s):  
Muhammad Sabbir Rahman ◽  
Fadi Abdel Muniem Abdel Fattah ◽  
Mahmud Zaman ◽  
Hasliza Hassan
Keyword(s):  
Factor Analysis ◽  
Health Insurance ◽  
Service Quality ◽  
Structural Equation ◽  
Service Providers ◽  
Dominant Role ◽  
Equation Modeling ◽  
Cross Sectional ◽  
Content Type

Purpose The purpose of this paper is to examine the influence of service quality, customer’s satisfaction and religiosity on customer’s patronage decision toward health insurance products. The paper also assesses the influence of religiosity on customer’s patronage decision. The influence of customers’ satisfaction as mediation between service quality and customer’s patronage decision was also measured. Design/methodology/approach A structured questionnaire was developed and administered to a sample of 200 respondents. This research applied the exploratory factor analysis, the confirmatory factor analysis and the structural equation modeling to test the proposed hypotheses. Findings The findings indicate that customers’ religiosity behavior has a significant influence on customer’s patronage decision for selecting health insurance products. The results also indicated that the role of customer’s satisfaction as a mediator in between the relationship of service quality and customer’s patronage decision is significant. Research limitations/implications This research is a cross-sectional study consisting of 200 respondents. In addition, the elements of the sample were Malaysian customers using health insurance products and services. Practical implications This study suggests that customers of health insurance products are more concerned with perceived service quality and perceived satisfaction. The role of religiosity also plays a dominant role. As a result, managers of the health insurance service providers need to focus more on benefits of service varieties centered toward their target customers in order to gain higher patronage decision of health insurance products. Originality/value The study sought to address the gap of religiosity aspects in health insurance products through intensive literature and offer a conceptual framework that tested service quality, customer’s satisfaction and religiosity in one integrated model under the perspective of health insurance industry. More importantly, it also examines the influence of religiosity on patronage behavior, thus shedding insights into the opportunities for understanding consumers in detail.

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