The adoption of biometric point-of-sale terminal for payments

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Siti Nurdiyana Atikah Sulaiman ◽  
Mohammad Nabil Almunawar
Keyword(s):  
Technology Acceptance ◽  
Large Scale ◽  
Time Frame ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Point Of Sale ◽  
Scale Point ◽  
Acceptance Model

Purpose The purpose of this paper is to investigate factors that influence customers’ adoption of biometric-based point-of-sale in Brunei. Design/methodology/approach This paper extends technology acceptance model constructs with trust and some other variables as the framework to investigate their influence on the attitude toward the usage of a biometric point-of-sale terminal for payments in Brunei. Nine variables may influence user’s perception toward usage. The nine variables are needed, perceived ease of use, perceived usefulness, experience, innovativeness, privacy, security, trust and attitude toward usage. Multiple regression analysis was conducted to test hypotheses related to these nine variables. Findings It is found that the innovativeness of an individual and similar experience corresponds toward trust, which is positively related to attitude toward usage. Perceived usefulness and trust have significantly influenced the intention of individuals to use biometrics as an authentication method for payment. Research limitations/implications The nature of this research is to gather the public’s opinion and perception as much as it is deemed possible to get a bigger and clearer picture of the study. As the target respondence is citizens and residents of Brunei without any specification or exclusion, a large response would be needed to have a more reliable and accurate result. However, only 205 respondents can be gathered in this study. Had there been a longer time frame, it would be best to gather a lot more responses. Originality/value This paper explores the adoption of biometric authentication in large-scale point-of-terminals. It identifies factors that influence adoption. The results of this study could assist future researchers in which direction to take to further explore biometric as an authentication method for payment. In addition to this, it could also provide banks and financial technology in Brunei a clearer picture of the Brunei market and Bruneians perspective on the biometric system.

The role of technology readiness in individuals' intention to use health and fitness applications: a comparison between users and non-users

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Weisheng Chiu ◽  
Heetae Cho
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Negative Impact ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Technology Readiness ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Health And Fitness ◽  
Acceptance Model

PurposeThe purpose of this study is to examine individuals' decisions to use health and fitness apps by applying the extended technology readiness and acceptance model (TRAM), which combines technology readiness (TR), the technology acceptance model (TAM) and perceived enjoyment (PEN). Moreover, this study explores the differences between users and non-users regarding their intentions to use health and fitness apps.Design/methodology/approachData collection (n = 206) was conducted using convenience sampling from four large universities in South Korea. The data were analysed by partial least squares structural equation modelling (PLS-SEM) using SmartPLS 3.0.FindingsThe results revealed that positive TR positively affects perceived ease of use (PEOU), perceived usefulness (PU) and PEN, while negative TR had a negative impact only on PEN. Furthermore, the significant relationships between PEOU, PU and PEN were identified. In addition, multigroup analyses indicated that the relationships between positive TR and PEN, between PEN and PEOU, between PEOU and PU, and between PU and behavioural intention were positively stronger for app users.Originality/valueThis study initially applied the TRAM to understand individuals' behavioural intentions to use health and fitness apps. Moreover, this study identified the distinct roles of positive and negative TR affecting individuals' cognition regarding using health and fitness apps. The differences in the psychological processes between app users and non-users offer insights and implications for practitioners.

Acceptance of Islamic financial technology (FinTech) banking services by Malaysian users: an extension of technology acceptance model

foresight ◽  
2020 ◽  
Vol 22 (3) ◽  
pp. 367-383 ◽  
Author(s):  
Imran Mehboob Shaikh ◽  
Muhammad Asif Qureshi ◽  
Kamaruzaman Noordin ◽  
Junaid Mehboob Shaikh ◽  
Arman Khan ◽  
...  
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Consumer Innovativeness ◽  
Banking Services ◽  
Content Type ◽  
Acceptance Model ◽  
Financial Technology

Purpose This paper aims to examine the determinants that influence bank users’ acceptance for Islamic financial technology (FinTech) services by extending the technology acceptance model (TAM) in the Malaysian context. Design/methodology/approach The survey was conducted using convenience sampling. Moreover, 205 responses were gathered from users of the Islamic bank. On the same note, the literature on determinants of Islamic FinTech acceptance and TAM was reviewed as well in a bid to contribute to the factors that are instrumental in determining the acceptance of FinTech services. Findings Findings of the study reveal that Islamic FinTech’s services acceptance is determined by perceived ease of use, perceived usefulness and also by another variable, which is consumer innovativeness (CI). On the contrary other factors, self-efficacy and subjective norms are found not to be influential in determining Islamic FinTech’s acceptance by Islamic banking users. Originality/value TAM is extended in the context of Islamic FinTech. A new variable, namely, CI is tested using TAM. CI is yet to be tested, therefore, this paper will be a useful reference for the policymakers, academicians and future researchers.

Leveraging the technology acceptance model for mobile commerce adoption under distinct stages of adoption

2019 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Tanikan Pipitwanichakarn ◽  
Nittaya Wongtada
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Service Providers ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Street Vendors ◽  
Content Type ◽  
Perceived Enjoyment ◽  
Acceptance Model

Purpose The purpose of this paper is to investigate the role of trust and perceived enjoyment in the technology acceptance model by distinguishing distinct stages of adoption among street vendors (initial and advanced adoption stage). Design/methodology/approach Face-to-face interviews using a structured questionnaire were conducted with 430 street vendors in Bangkok; 415 usable surveys were analyzed. By applying K-means cluster analysis, two segments were found with 200 initial and 215 advanced adopters. A multi-group analysis was employed to investigate differences of relationships between the two groups. Findings The findings reveal significant similarities and dissimilarities between the two groups of vendors. Both initial and advanced adopters emphasize trust of service providers. The first group relies more on perceived ease of use and perceived enjoyment in motivating m-commerce adoption but depends less on perceived usefulness. On the contrary, for the latter group, the influence of perceived ease of use and perceived enjoyment significantly decreases, but the effect of perceived usefulness significantly increases. Practical implications This study sheds light on the managerial implications related to how service providers can tailor their marketing strategies to target vendors in disparate diffusion stages, and it encourages building trust between partners over time. Originality/value Due to the lack of theoretical and managerial understanding of factors that drive m-commerce adoption for micro businesses, this study identifies distinct adoption stages and offers valuable insights into the similarities and differences among initial and advanced adopters.

An expansion of the technology acceptance model applied to the halal tourism sector

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Izra Berakon ◽  
Muhammad Ghafur Wibowo ◽  
Achmad Nurdany ◽  
Hendy Mustiko Aji
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Young Generation ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Acceptance Model ◽  
The Relationship

Purpose The increasing number of tourists in the Muslim world every year has encouraged digital business developers and the Sharia banking industry to integrate halal product and service apps with the Sharia mobile banking system. The fourth wave of the industrial revolution has changed the consumer paradigm, creating a young generation that uses digital service transaction systems in their daily lives. This paper aims to investigate the factors that determine intention to use halal tourism apps amongst Muslim tourists to provide insights promoting the development of halal tourism in Indonesia. Design/methodology/approach The research was conducted using an online survey approach. The sample comprised 205 Muslim Millennial and Generation Z travellers. The data collected were analysed using partial least square structural equation modelling. There were three analysis stages: evaluation of the measurement model, assessment of the structural model and hypothesis testing. Findings The findings indicated that trust mediated the relationship between perceived ease of use and perceived usefulness on individual intentions and that halal knowledge positively and significantly impacted individual intentions. In contrast, religiosity was not a significant influence on individual intentions. Originality/value The paper expanded the technology acceptance model by incorporating the key constructs of halal knowledge, religiosity and trust into an integrated research framework; this represented a novel step, especially in the context of halal tourism. The finding that trust mediated the relationship between perceived ease of use and perceived usefulness fills a gap in previous research, which has rarely included the trust construct in technology acceptance models.

Assessing timebanking use and coordination: implications for service exchange tools

2019 ◽  
Vol 32 (2) ◽  
pp. 344-363 ◽  
Author(s):  
Chien Wen Yuan ◽  
Benjamin V. Hanrahan ◽  
John M. Carroll
Keyword(s):  
Technology Acceptance ◽  
Large Scale ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Survey Study ◽  
Perceived Ease Of Use ◽  
Voluntary Service ◽  
Content Type ◽  
Positive Attitudes ◽  
Service Exchange

PurposeTimebanking is a generalized, voluntary service exchange that promotes use of otherwise idle resources in a community and facilitates community building. Participants offer and request services through the mediation of the timebank software. In timebanking, giving help and accepting help are both contributions; contributions are recognized and quantified through exchange of time-based currency. The purpose of this paper is to explore how users perceive timebank offers and requests differently and how they influence actual use.Design/methodology/approachThis survey study, conducted in over 120 timebanks across the USA, examines users’ timebanking participation, adapting dimensions of Technology Acceptance Model (TAM).FindingsThe authors found that perceived ease of use in timebanking platforms was positively associated with positive attitudes toward both requests and offers, whereas perceived usefulness was negatively associated with positive attitudes toward requests and offers. The authors also found that having positive attitudes toward requests was important to elicit behavioral intention to make a request, but that positive attitudes toward offers did not affect behavioral intentions to make offers.Practical implicationsThe authors discussed these results and proposed design suggestions for future service exchange tools to address the issues the authors raised.Originality/valueThe study is among the first few studies that examine timebanking participation using large-scale survey data. The authors evaluate sociotechnical factors of timebanking participation through adapting dimensions of TAM.

scholarly journals The SMEs’ technology acceptance of digital media for stakeholder engagement

2019 ◽  
Vol 26 (4) ◽  
pp. 504-521 ◽  
Author(s):  
Mark Anthony Camilleri
Keyword(s):  
Technology Acceptance ◽  
Digital Media ◽  
Technological Innovation ◽  
Stakeholder Engagement ◽  
Online Communication ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Acceptance Model

Purpose Small and medium sized enterprises (SMEs) are increasingly communicating and interacting with stakeholders through digital media. Therefore, the purpose of this paper is to investigate the SME owner-managers’ attitudes toward the pace of technological innovation, and it examines their perceived use and ease of digital media for stakeholder engagement. Design/methodology/approach The research methodology integrated measuring items from the technology acceptance model, the pace of technological innovation and corporate social responsibility, to better understand the SME owner-managers’ rationale for using digital media. The respondents were expected to reveal their attitudes toward commercial, ethical and social responsibilities. Findings A factor analysis indicated that the SME owner-managers were perceiving the usefulness of digital media to engage with marketplace stakeholders. Whilst, a stepwise regression analysis reported positive and significant relationships between the pace of technological innovation and the SMEs’ perceived usefulness of digital media for communication purposes. The results also revealed that young owner-managers from large SMEs were more likely to utilize digital media than their smaller counterparts. Originality/value This contribution implies that both small and micro businesses are utilizing digital media to improve their stakeholder engagement. This study indicates that the pace of technological innovation, the SMEs’ perceived ease of use of digital media, as well as their commercial responsibility were significant antecedents for the SMEs’ online communication.

Webrooming or showrooming, that is the question: explaining omnichannel behavioural intention through the technology acceptance model and exploratory behaviour

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Angel Herrero-Crespo ◽  
Nuria Viejo-Fernández ◽  
Jesús Collado-Agudo ◽  
María José Sanzo Pérez
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Information Seeking ◽  
Design Methodology ◽  
Consumer Behaviour ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Acceptance Model

PurposeThis paper evaluates how the intention to develop webrooming or showrooming behaviour is affected by both the perceived usefulness and the perceived ease-of-use, as well as by the consumer's personal predisposition to exploratory information seeking and acquisition.Design/methodology/approachThe fashion retailing environment is more omni-channel than ever before. The two predominant omni-channel behaviours are webrooming and showrooming. Taking as its basis the technology acceptance model (TAM) and the concept of exploratory consumer behaviour.FindingsThe results obtained from a sample of 847 apparel shoppers (462 webroomers and 385 showroomers) show that the higher perception of the usefulness and ease-of-use of omni-channel buying processes, the higher the intention to develop both webrooming and showrooming behaviours. Additionally, the perceived ease-of-use exerts an additional indirect effect on the intention of developing these omni-channel behaviours through perceived usefulness. Finally, exploratory information seeking and acquisition have a relevant influence on webrooming intentions, but not on showrooming.Originality/valueThe authors’ research contributes to the literature on consumer behaviour in the fashion sector by testing a model to explain the intentions of individuals to adopt webrooming and showrooming, incorporating different psychographic variables linked to the use of ICT and the development of an exploratory consumer behaviour.

Adoption and use of electronic voting system as an option towards credible elections in Nigeria

2021 ◽  
Vol 20 (1) ◽  
pp. 38-61
Author(s):  
Funmilola Olubunmi Omotayo ◽  
Olasubomi Adetutu Adekunle
Keyword(s):  
Technology Acceptance ◽  
Sampling Procedure ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Electronic Voting ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Voting System ◽  
Nigerian Government ◽  
Acceptance Model

Purpose This study aims to investigate the adoption and use of electronic voting (e-voting) system as an option to credible elections in Nigeria, as well as the factors that could influence the readiness of Oyo state citizens in Nigeria to use the system. Design/methodology/approach The study adopts the survey research design, while the Technology Readiness Acceptance Model provides the theoretical framework. A two-stage sampling procedure (random and convenience) was used to select 500 Nigerian citizens, who are of voting age, while data were collected with a structured questionnaire. Findings Findings reveal that the citizens are ready to use the e-voting system if adopted by the Nigerian Government. Optimism and innovativeness are positively correlated, and perceived discomfort and perceived insecurity are negatively correlated, with readiness to use e-voting system by Oyo state citizens. The Technology Acceptance Model constructs (perceived usefulness and perceived ease of use), as well as computer self-efficacy also have positive correlations with readiness to use of e-voting. Research limitations/implications The population of the study was limited to only citizens in one state of the federation; hence, the results cannot be generalised to all citizens in Nigeria. Practical implications The study contributes to existing knowledge on adoption and use of technology and confirms that optimism and innovativeness are motivators and discomfort and insecurity are inhibitors of intention to use and actual usage of technology. Hence, these constructs should be taken into account and promoted when Nigeria is planning to adopt the e-voting system. Social implications This paper could assist the Nigerian Government on the factors to consider when implementing the e-voting system. Originality/value This paper is one of the first pieces of empirical research that attempted to investigate the factors that could promote acceptance and use of the e-voting system in Nigeria.

scholarly journals Social media for outbound leisure travel: a framework based on technology acceptance model (TAM)

2019 ◽  
Vol 5 (1) ◽  
pp. 43-61 ◽  
Author(s):  
Snigdha Singh ◽  
Pallavi Srivastava
Keyword(s):  
Social Media ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Perceived Trust ◽  
Tourism Sector ◽  
Acceptance Model

Purpose The purpose of this paper is to explore the applicability of technology acceptance model (TAM) to explain the widespread acceptance and usage of social media (SM) for travel purposes by Indian outbound leisure travellers during their travel cycle. Design/methodology/approach The study has adopted a qualitative approach involving in-depth interviews of 30 respondents, who had taken at least one international vacation in the last 12 months. Content analysis was used to arrive at the conclusion. Findings Findings of the study are used to develop a conceptual model which upholds the validity of the TAM with perceived usefulness (PU) and perceived ease of use (PEU) as determinants of SM usage. The model has been extended to include perceived trust (PT) and social capital (SC) as important constructs to explain the travellers’ use of SM. Disposition readiness (DR) of the user towards SM was found to have an effect on all the four constructs. Originality/value Theoretically, this study suggests a modification to the existing TAM, which shows a unidirectional effect of PU and PEU on attitude. This study suggests that the effect would be bi-directional where the attitude (DR) of the traveller towards SM usage will affect PU and PEU. Furthermore, this study extends the TAM to include PT and SC as important constructs to explain SM usage by travellers. This study provides valuable insights into the hospitality and tourism sector which might help in further segmentation of travellers leading to more customised service offerings.

scholarly journals Public acceptance of residential solar photovoltaic technology in Malaysia

2017 ◽  
Vol 1 (3) ◽  
pp. 242-254 ◽  
Author(s):  
Salman Ahmad ◽  
Razman bin Mat Tahar ◽  
Jack Kie Cheng ◽  
Liu Yao
Keyword(s):  
Technology Acceptance ◽  
Fossil Fuels ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Solar Photovoltaic ◽  
Solar Pv ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Acceptance Model ◽  
Practical Implications

Purpose Gaining independence from fossil fuels and combating climate change are the main factors to increase the generation of electricity from renewable fuels. Amongst the renewable technologies, solar photovoltaic (PV) is believed to have the largest potential. However, the number of people adopting solar PV technologies is still relatively low. Therefore, the purpose of this paper is to examine the household consumers’ acceptance of solar PV technology being installed on their premises. Design/methodology/approach To examine the solar PV technology acceptance, this study uses technology acceptance model (TAM) as a reference framework. A survey was conducted to gather data and to validate the research model. Out of 780 questionnaires distributed across Malaysia, 663 were returned and validated. Findings The analysis revealed that perceived ease of use, perceived usefulness and attitude to use significantly influenced behavioural intention to use solar PV technology. Research limitations/implications This study contributes by extending the understanding of public inclination towards the adoption of solar PV technology. Also, this study contributes in identifying the areas which need to be examined further. However, collecting data from urban peninsular Malaysian respondents only limits the generalization of the results. Practical implications On the policy front, this study reveals that governmental support is needed to trigger PV acceptance. Originality/value This paper uses TAM to analyse the uptake of solar PV technology in Malaysian context.

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