What drives FinTech adoption? A multi-method evaluation using an adapted technology acceptance model

2020 ◽  
Vol 58 (8) ◽  
pp. 1675-1697
Author(s):  
Shubhangi Singh ◽  
Marshal M. Sahni ◽  
Raj K. Kovid
Keyword(s):  
Social Influence ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Demographic Characteristics ◽  
Perceived Usefulness ◽  
Content Type ◽  
Behavior Intention ◽  
Actual Use ◽  
Behavioral Attributes ◽  
Acceptance Model

PurposeConsidering the ubiquity of FinTech services, the study proposes a research framework to examine FinTech adoption and use from the technology acceptance perspective by adding sub-constructs of technology acceptance model (TAM), unified theory of acceptance and use of technology (UTAUT), ServPerf and WebQual 4.0. This study broadly classified these sub-constructs in three dimensions: adoption, behavior and technological and explores the relationship between these attributes. It also proposes that digital behavior (Internet experience and level of awareness) and demographic characteristics (age and gender) moderate the main relationships.Design/methodology/approachThe measurement scale for the study is developed through iterative discussion with domain experts. The data are collected from 439 active Internet users though a digital survey and analysis were done by applying structural equation modeling and multi-group analysis.FindingsPerceived usefulness and social influence are found to be the key determinant for behavior intention to use FinTech services, with social influence having significant negative influence. Actual use is significantly influenced by ease of use and social influence but is not determined by behavior intention and perceived usefulness. Behavioral attributes are significantly impacted by technological attributes and digital behavior. Also, age significantly affects the perception of security among older users.Practical implicationsThis study will help FinTech service providers to design FinTech services considering a wide spectrum of users. More consideration should be on enhancing the usefulness and security features to create social affirmations for the use of FinTech services. This will entice users for frequent use and attract nonusers to do their first online financial transaction.Originality/valueThe study adds to the technology acceptance literature by incorporating relevant technological and behavioral attributes and investigating the moderating effect of digital behavior and demographic characteristics. It contributes to the understanding of user beliefs and perceptions about actual use of FinTech services.

An Application of the Technology Acceptance Model to Individual Protective Measures (IPMs) Against Viruses

2021 ◽  
pp. 0-7:51 minutes
Author(s):  
Matti Haverila ◽  
Salma Husain
Keyword(s):  
Social Influence ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Protective Measures ◽  
Influenza Pandemics ◽  
Environmental Measures ◽  
Acceptance Model

This presentation describes Technology Acceptance Model (TAM) when using individual protective measures (IPMs) against the spreading of viruses like COVID-19. The constructs in TAM are perceived usefulness, and ease of use, attitude towards the use of IPMs and the actual use as well as social influence, which were measured with relevant indicator variables. The statistical method used in the analysis was Partial Least Squares Structural Equation Modelling (PLS-SEM). IPMs include personal protective measures for everyday use (e.g., voluntary home isolation, respiratory etiquette, and hand hygiene); Personal protective measures for influenza pandemics (e.g., voluntary home quarantine, and use of face masks in community settings); and Environmental measures (e.g., routine cleaning of frequently touched surfaces). The results indicate that all relationships were significant also so that the effect sizes were large to medium with the exception of social influence -> perceived usefulness and social influence -> attitude towards usage.

scholarly journals PENERAPAN TECHNOLOGY ACCEPTANCE MODEL PADA KUALITAS USER EXPERIENCE APLIKASI MULTIMEDIA COMPANY PROFILE BPJS KESEHATAN WONOSOBO

Device ◽  
2020 ◽  
Vol 10 (1) ◽  
pp. 9-14
Author(s):  
Saifu Rohman
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
User Experience ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Actual Use ◽  
Acceptance Model ◽  
Behavioral Intention To Use ◽  
User Friendly

Company Profile sebuah perusahaan merupakan sebuah media yang memiliki peran yang sangat penting dalam menunjukkan eksistensinya di dalam berbagai bidang dunia bisnis. Perkembangan dunia teknologi informasi menuntut untuk selalu memberikan sesuatu yang lebih nyaman dan mengedepankan user experience. Metode TAM (Technology Acceptance Model) merupakan salah satu metode yang tepat dalam merancang dan membangun sistem yang user friendly dalam meningkatkan tingkat kepuasan pengguna pada user experience. Dengan mengimplementasikan konstruk-konstruk TAM yang meliputi PU (Perceived Usefulness), PEOU (Perceived Ease of Use), ATU (Attitude Toward Using), BITU (Behavioral Intention to Use) dan AU (Actual Use) maka dapat dipastikan akan meningkatkan tingkat kenyamanan user experience melalui interface yang baik dan sesuai dengan kebutuhan pengguna informasi.

Mobile commerce adoption among the bottom of the pyramid: a case of street vendors in Thailand

2019 ◽  
Vol 10 (1) ◽  
pp. 193-213 ◽  
Author(s):  
Tanikan Pipitwanichakarn ◽  
Nittaya Wongtada
Keyword(s):  
Technology Adoption ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Mobile Commerce ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Street Vendors ◽  
Content Type ◽  
Acceptance Model

Purpose This study aims to investigate the applicability of technology acceptance model in explaining technology adoption among street vendors in Thailand as a representation of emerging economies. Design/methodology/approach A pen-and-pencil survey was administered to 370 street vendors in Bangkok; 356 usable surveys were analyzed for a completed rate of 96.2 per cent. Structural equation modeling was used to analyze the data. Findings This study contributes to the existing technology acceptance literature as follows: First, the predictive power of the technology acceptance model is strong and holds true for street vendors. Second, it revealed that the relationship of entrepreneurial orientation and technology adoption is completely connected through the decision-making process (i.e. trust and system characteristics, otherwise known as usefulness and ease of use). Finally, the degree of product differentiation strengthens the positive relationship between perceived usefulness and the intention to use mobile commerce. Originality/value This study advances the previous research on e-commerce adoption in settings outside the formal sector. More specifically, this study developed and validated the extended technology acceptance model in the smallest-scale of entrepreneurs, street vendors, to increase the understanding of the adoption of m-commerce.

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.

scholarly journals ANALISIS TECHNOLOGY ACCEPTANCE MODEL APLIKASI LINKAJA

2020 ◽  
Vol 13 (3) ◽  
pp. 164
Author(s):  
Anggit Esti Irawati ◽  
Ehrmann Suhartono
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Risk ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Actual Use ◽  
Acceptance Model

<p>Potensi penggunaan e-money sangat besar dan menarik perhatian sebagai cara pembayaran alternatif di seluruh dunia. Pemerintah melalui Bank Indonesia menggerakkan masyarakat untuk melakukan Gerakan Nasional Non Tunai (GNNT). Namun, hanya lapisan masyarakat tertentu yang sudah terbiasa menggunakan transaksi dengan <em>e-money</em>. Sebagian masyarakat beranggapan bahwa transaksi pembayaran menggunakan <em>e-money</em> masih terdapat banyak kekurangan. Penelitian ini bertujuan untuk menguji <em>Technology Acceptance Model</em> (TAM) yaitu <em>perceived ease of use</em> dan <em>perceived usefulness</em>, selain itu juga menambahkan <em>perceived risk</em> untuk mengetahui pengaruh terhadap <em>attitude toward using</em> dan <em>actual use</em> terhadap penggunaan aplikasi LinkAja. Metode analisis menggunakan <em>Structural Equation Modeling</em> (SEM) dengan alat analisis SmartPLS. Penelitian ini dilakukan dengan metode survei dan sampel diambil menggunakan teknik <em>purposive sampling</em> terhadap responden yang menggunakan aplikasi LinkAja di seluruh Indonesia. Responden yang diperoleh sebanyak 200 responden. Hasil penelitian menunjukkan bahwa <em>perceived ease of use</em> dan <em>perceived usefulness</em> berpengaruh positif signifikan terhadap <em>attitude toward using</em> dan <em>actual use</em>. <em>Perceived risk</em> tidak berpengaruh signifikan terhadap <em>actual use</em> aplikasi LinkAja.</p>

scholarly journals THE ANALYSIS OF ACCEPTANCE OF HOSPITAL INFORMATION MANAGEMENT SYSTEM (HIMS) USING TECHNOLOGY ACCEPTANCE MODEL METHOD

2019 ◽  
Vol 4 (2) ◽  
pp. 186-195
Author(s):  
Erma Setiawati ◽  
Rina Trisnawati ◽  
Ulfi Diana
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Management Information ◽  
Behavior Intention ◽  
Acceptance Model ◽  
And Behavior

The purpose of this study was to determine the acceptance of Hospital Management Information Systems related to accounting transactions using the Technology Acceptance Model (TAM) methode. Constructs in TAM used are Perceived Ease of Use, Perceived Usefulness, Behavior Intention to Use, and Actual Technology Usage. The population in this study were users of systems related to accounting transactions, with a total of 150 people. The sampling technique using the convenience non random sampling method. The data in this study were obtained by distributing questionnaires to 150 respondents. Data analysis using SEM-PLS with WarpPLS 5.0 software. The results showed that Perceived ease of use had an effect on Perceived usefulness and Behavior Intention to Use. Whereas, Perceived Usefulness influences Behavior Intention to Use, and Behavior Intention to Use has an effect on Actual Technology Usage. Keywords: Technology Acceptance Model, Partial Least Square, Hospital Management Information System, Accounting Management System

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.

MOTIVATION OF THE USE OF DIGITAL WALLETS IN YOUNG GENERATIONS IN THE TIME OF THE COVID-19 PANDEMIC

2021 ◽  
Vol 9 (1) ◽  
pp. 116-127
Author(s):  
Jonathan Herdioko ◽  
Pisi Bethania Titalessy ◽  
Brigitta Evelyn Krisanta
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Behavioral Intention ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Privacy And Security ◽  
Behavior Intention ◽  
Acceptance Model ◽  
Digital Wallets

This study aims to analyze how the Technology Acceptance Model which consists of Percieved usefulness, Perceived Ease of use, Privacy and Security, and additional variable "Promotion Programs" affect behavior intention in using e-wallets or digital wallets in the current pandemic era. A total of 394 respondents aged 16-30 years old who use e-wallets in Yogyakarta were sampled in this study. The results using the SEM test show that perceived usefulness and behavioral intention have a significant effect. Meanwhile, Perceived Ease of use, Privacy and Security, and promotional programs are not significant on E-Wallets Usage.

The exploration role of Sharia compliance in technology acceptance model for e-banking (case: Islamic bank in Indonesia)

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Hardius Usman ◽  
Nucke Widowati Kusumo Projo ◽  
Chairy Chairy ◽  
Marissa Grace Haque
Keyword(s):  
Customer Satisfaction ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Usefulness ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Content Type ◽  
Islamic Bank ◽  
Acceptance Model

Purpose The study proposes an extended model of the technology acceptance model (TAM) by including Sharia compliance (SC), knowledge of SC and confidence in SC, in addition to perceived usefulness (PU) and perceived ease of use (PEOU). This research aims to investigate its impact on satisfaction, applied in e-banking of Indonesian Islamic banking. Also, the authors study the role of SC, knowledge of SC and confidence in all relationships in TAM in explaining customer satisfaction. Design/methodology/approach Data collecting in this research is a self-administered survey by sending questionnaires to respondents online via e-mail or WhatsApp. The number of collected data are 300 completed questionnaires. Hypothesis testing and analyses in this research use the multiple linear regression model. Findings This study finds that SC, knowledge about SC and belief in SC have a significant impact on customer satisfaction of Islamic banks using e-banking. The most important finding in this study is that SC, knowledge about SC and belief in SC significantly moderate the relationship between PU and PEOU with customer satisfaction. Originality/value The originality of this research is exploring the role of SC, knowledge of SC and confidence in SC in all relationships, and it is expressed in the original TAM to explain customer satisfaction. This study has never been applied in previous studies, particularly studies of Islamic bank e-banking in Indonesia. This study highlights the importance of SC in the extended TAM, as a distinguishing factor between e-banking provided by Islamic banks and conventional banks, as well as the role of knowledge and confidence in SC. The authors propose policies that will be useful for the improvement of the market share of Islamic banking in Indonesia.

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.

Sign in / Sign up

Export Citation Format

Share Document