Users' attitude and intention to use mobile financial services in Bangladesh: an empirical study

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Md. Tanvir Alam Himel ◽  
Shahrin Ashraf ◽  
Tauhid Ahmed Bappy ◽  
Md Tanaz Abir ◽  
Md Khaled Morshed ◽  
...  
Keyword(s):  
Focus Group ◽  
Technology Acceptance ◽  
Focus Group Discussion ◽  
Financial Services ◽  
Group Discussion ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Content Type ◽  
Study Results ◽  
Mobile Financial Services

PurposeWhile the usage of mobile financial services (MFSs) is increasing rapidly in developing countries, research on users' attitudes and behavioral intention to adopt MFS is limited. Thus, this study aims to investigate customers' attitudes and intentions to adopt MFS from a Bangladeshi perspective.Design/methodology/approachA mixed research design was employed to conduct this study. Data of 196 respondents were analyzed using partial least squares (PLS) path modeling. For the quantitative part, data collection was conducted using non-probability sampling through a structured survey questionnaire. A focus group discussion with ten MFS users from divergent backgrounds was conducted to validate the quantitative findings.FindingsThis paper integrated both the technology acceptance model (TAM) and innovation resistance theory (IRT) to validate the results. The authors found that perceived usefulness (PU), perceived ease of use (PEOU) and perceived trust (PT) positively contribute to customers' attitudes toward MFS adoption. Besides, barriers to acceptance had unfavorable effects on users' attitudes and usage intentions. Furthermore, a focus group discussion revealed valuable insights on the constructs used in this study.Practical implicationsThe study results have implications for both MFS providers and researchers. The outputs and recommendations presented in this paper will encourage the MFS practitioners to stimulate users' attitudes and behavioral intentions by ensuring useful, easy to use, credible and risk-free mobile payment platforms.Originality/valueThis is one of the very few studies in Bangladesh that have taken a contemporary and emerging research topic, providing theoretical, methodological and practical contributions regarding the determinants and consequences of attitude toward using MFSs.

Attitude toward social media reviews and restaurant visit intention: a Bangladeshi perspective

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Nurun Naher Popy ◽  
Tauhid Ahmed Bappy
Keyword(s):  
Social Media ◽  
Focus Group ◽  
Focus Group Discussion ◽  
Information Quality ◽  
Group Discussion ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
The Relationship

PurposeWhile the usage of social media reviews has become increasingly popular in recent years, few studies in this context of Bangladesh have investigated its impact on restaurant visit intention. Therefore, this study aims to explain the role of attitude toward social media reviews in customers' restaurant visit intention from the perspective of Bangladesh. In doing so, predictors of attitude toward social media reviews were also ascertained and their indirect effects on restaurant visit intention were investigated.Design/methodology/approachA survey questionnaire was administered to 300 university students. A six-factor based measurement model was proposed, and structural equation modeling (SEM) was used in testing the hypotheses represented by the model. Furthermore, a focus group discussion with 12 respondents was also held to assess how negative reviews on social media affect the customers' restaurant visit intention.FindingsThis study reveals that perceived usefulness, perceived ease of use, trustworthiness and information quality of social media reviews are positively related to attitude toward using positive social media reviews for choosing a restaurant. Furthermore, attitude toward positive social media reviews directly contributes to the intention to visit restaurants. Besides, attitude toward social media reviews fully mediates the relationship of perceived usefulness, perceived ease of use and trustworthiness with restaurant visit intention, whereas it partially mediates the relationship between information quality and restaurant visit intention. Besides, results from focus group discussion revealed that customers typically trust negative reviews which reduce their intent to visit restaurants.Research limitations/implicationsThe samples chosen for this study belong only to a particular stratum of the population (students from a specific institution/university). Hence, the outcomes should be generalized with caution.Practical implicationsThis study provides practical guidelines for the restaurant marketers to formulate improved strategic decisions by tracking the restaurant customers' attitudes, behavioral intentions, sentiments and share of voice on social media platforms. The results of this study will encourage the restaurant marketers to build sustainable relationships with influential food bloggers to spawn positive electronic word of mouth (e-WOM).Originality/valueThis is one of the first studies in Bangladesh that have covered up a timely and untouched research area, providing empirical evidence regarding the effects of attitude toward social media reviews on restaurant visit intent in the context of a South Asian country like Bangladesh.

scholarly journals Investigating ‘WhatsApp’ for Collaborative Learning among Undergraduates

Etkileşim ◽  
2020 ◽  
Vol 3 (5) ◽  
pp. 24-50
Author(s):  
Silas Udenze ◽  
Barth Oshionebo
Keyword(s):  
Social Media ◽  
Collaborative Learning ◽  
Focus Group ◽  
New Media ◽  
Technology Acceptance ◽  
Undergraduate Students ◽  
Group Discussion ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use

The adoption of new media technologies is rapidly becoming a trend in educational environment. Given the growing popularity of social media, it has become pertinent to understand and adopt social media networks in developing future educational blue prints. This study investigates the extent to which WhatsApp platform could engender collaborative learning among undergraduate students in the University of Abuja, Gwagwalada, Nigeria. To achieve this aim, a dual research methodology was employed to drive the study. Both survey and Focus Group Discussion (FGD) were employed respectively. Surveying 400 undergraduates, data from the survey were analysed using Simple Percentage Table (SPT) and Microsoft Office tools, while data that emanated from the focus group were analysed thematically. The study incorporated ‘Technology Acceptance Model’ (TAM) to direct and guide it. Discoveries from the study found that “perceived usefulness” and “perceived ease of use” engender the use of WhatsApp among students. Also, it was discovered that students incorporated and domesticated class WhatsApp group for various purposes, particularly for learning. Overall, the study found that class WhatsApp group engenders collaborative learning to a large extent. However, it was discovered that the major challenge in class WhatsApp groups is the posting of irrelevant contents on the platforms. The study concluded that it is paramount to fully harness the potentials of WhatsApp in order to enhance learning in higher institutions.

Online insurance claims: when more than trust matters

2019 ◽  
Vol 37 (2) ◽  
pp. 579-594 ◽  
Author(s):  
Sabine Gebert-Persson ◽  
Mikael Gidhagen ◽  
James E. Sallis ◽  
Heléne Lundberg
Keyword(s):  
Technology Acceptance ◽  
Financial Services ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Product Knowledge ◽  
Perceived Ease Of Use ◽  
Insurance Claims ◽  
User Friendliness ◽  
Content Type

Purpose The purpose of this paper is to develop and test a theoretical framework explaining the adoption of online insurance claims characterised by infrequent interactions, inherent complexity and risk. It extends the technology acceptance model to include knowledge-related and trust-related beliefs. Design/methodology/approach The framework is tested with structural equation modelling using data from a survey of 292 customers who made online insurance claims. Findings are further explained through 30 telephone interviews conducted with online and offline claimants. Findings Previous research in financial services has shown trust to be equally or more important than perceived usefulness and perceived ease of use in forming attitudes towards adopting online insurance applications. The findings of this paper contradict this by showing, at best, a weak relationship between trusting attitude and intention to use the online service. Trust is somewhat meaningful; however, perceived ease of use, perceived usefulness and technology attitude are substantially more important in an online insurance claims setting. Research limitations/implications Contradictory results always beg further research to assure their robustness. Nevertheless, they can also point to a developing trend where trust in the internet channel, per se, is of diminishing importance. Internet and product knowledge are not as pertinent to forming intentions as usefulness and ease of use. Practical implications To encourage customers to adopt online applications for a trusted company, all emphasis should be on user friendliness and perceived usefulness of the online interface. Originality/value Compared to other channels, consumers are no longer naïve or distrustful of the online channel for interacting with a firm. If they perceive usefulness and ease of use, they will adopt the offered service.

Explaining the determinants of continual use of mobile financial services

2019 ◽  
Vol 22 (1) ◽  
pp. 15-31
Author(s):  
Joseph Kwame Adjei ◽  
Solomon Odei-Appiah ◽  
Peter Ebo Tobbin
Keyword(s):  
Information System ◽  
User Satisfaction ◽  
Financial Services ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Major Barrier ◽  
Research Attention ◽  
Content Type ◽  
Mobile Financial Services ◽  
Good Agent

Purpose Information system continuance model has been used in a number of studies to explain information system continuance in different contexts. However, very little research attention has been given to continuous use of mobile financial services (MFS). The purpose of this study is to fill this research gap by identifying the main factors that influence the continual use of MFS. Design/methodology/approach A sample was randomly taken from MFS registered accounts or mobile wallets. A five-point Likert scale survey was conducted in Ghana. Structural equation modelling was used to test the data. Constructs such as continual use, satisfaction, perceived usefulness and confirmation were adapted from information system continuance model to suit the requirement of MFS. A pilot study was then carried out after the questionnaire was developed to gauge the appropriateness of the survey questions. Findings Results from the survey indicated that user satisfaction has the greatest impact on the continual use of mobile financial services. Good agent quality and satisfaction were the second most influential determinant. Satisfaction was, in turn, confirmed to be determined by perceived usefulness. Another important contributor to MFS continual use was found to be perceived ease of use (PEOU) with an impact surprisingly higher than that of perceived usefulness. There was a significant impact of good agent quality on satisfaction, which could be attributed to the characteristics of the technology for the study. Research limitations/implications Although a relatively high R2 (71%) was indicated by the proposed model, there is need for additional factors to be identified to improve the ability to predict and explain the continual use of MFS. A longitudinal study would have enhanced the identification of determinants and the understanding of their inter-relationships to influence MFS continual use. Practical implications To ensure continual use of MFS, PEOU as identified by the study is important to ensure that customers can use the service with little effort. Good agent quality can promote PEOU in the sense that competent agents can render relevant tutorials to customers’ right after the registration process. This will address a major barrier to continual use, which is the lack of understanding of how MFS operate. Social implications This study contributes to ensuring financial inclusion such that the unbanked can have access to financial services and also improve digital inclusion. Originality/value The study provides empirical evidence to support the substantive differences between acceptance and continual use behaviours, integrating the constructs of good agent quality and PEOU into our understanding of information system continual use literature. The authors also theorized and evaluated a model of MFS continual use.

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.

What influence users’ e-finance continuance intention? The moderating role of trust

2018 ◽  
Vol 118 (8) ◽  
pp. 1647-1670 ◽  
Author(s):  
Wangyue Zhou ◽  
Zayyad Tsiga ◽  
Boying Li ◽  
Shuning Zheng ◽  
Shuli Jiang
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Continuance Intention ◽  
Website Quality ◽  
Content Type ◽  
Positive Effects

Purpose The purpose of this paper is to identify antecedents of e-finance continuance intention with Alibaba’s Yu’E Bao as an example. Design/methodology/approach An online questionnaire was used to collect the data (n=293), and partial least squares structural equation modeling was employed for data analysis. Four e-finance features (perceived reputation, website quality, e-finance familiarity and situational normality) are introduced with trust acting as a moderator between the users’ satisfaction and continuance intention to use an e-finance platform. Findings The results find that website quality, familiarity and situational normality can influence perceived ease of use (PEOU) and perceived usefulness (PU). PEOU and PU, together with reputation, are positively associated with confirmation which further leads to satisfaction. The positive effects that satisfaction and trust have on e-finance continuance intention are confirmed, and trust is found to be a significant moderator on the relationship between satisfaction and continuance intention. Practical implications The findings can be used to guide e-finance providers to improve their platform design and services to retain users. Originality/value This study combines the theory of trust, Technology Acceptance Model and Expectations Confirmation Theory to investigate the factors that influence the continuance intention in the context of e-finance in China.

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.

Re-examining perceived usefulness and ease of use in online booking

2015 ◽  
Vol 27 (2) ◽  
pp. 185-198 ◽  
Author(s):  
Deniz Kucukusta ◽  
Rob Law ◽  
Alia Besbes ◽  
Patrick Legohérel
Keyword(s):  
Hong Kong ◽  
Technology Acceptance ◽  
Web Sites ◽  
Web Site ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
The Internet ◽  
Content Type ◽  
Tourism Product ◽  
New Perspective

Purpose – This paper aims to report the findings of an empirical research focusing on Hong Kong online users’ intention to book online tourism products with latest figures. Focusing on the technology acceptance model (TAM), this case study extends the recent research with providing insight regarding the online users’ perceptions of TAM dimensions and how these dimensions are perceived among different demographic groups and Internet usage characteristics with latest figures in Hong Kong, a major tourism destination in Asia with many world-class hotels. Design/methodology/approach – A total of 213 Hong Kong online users were surveyed in March and April 2013 in Hong Kong business districts. Findings – Findings reveal that most respondents who use the Internet for booking online travel products are young, and people above a certain age are not likely to favor booking tourism products online. They are more likely to stick to traditional personal service. Perceived usefulness of the Internet is found more influential than its ease of use in forming a usage intention, and ease of use is perceived more important by jobseekers, student and employees than the other profession groups. In addition, respondents who use the Internet every day and did purchase online tourism product perceived usefulness more important than ease of use. Research limitations/implications – The generalization of this research is limited by its sample size and number of questions. Originality/value – The study gives a new perspective by linking TAM with intention to book online in Hong Kong. The paper would be of interest to the Web site planners or online tourism practitioners to consider Web site usefulness as much as its ease of its use, as both usefulness and ease of use of tourism Web sites are strong predictors of intention to book online.

scholarly journals Factors Influencing Users’ Behavioral Intention to Reuse Mobile Financial Services in Bangladesh

2020 ◽  
Vol 5 (3) ◽  
pp. 155-169
Author(s):  
Md. Rizvi Khan ◽  
Sirion Chaipoopirutana
Keyword(s):  
Behavioral Intention ◽  
Financial Services ◽  
Behavioral Intentions ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Survey Method ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Factors Influencing ◽  
Mobile Financial Services

Objective – This paper aims to empirically examine the factors influencing the users’ behavioral intention to reuse mobile technology to facilitate their financial services in Bangladesh. Methodology/Technique – A self-administered online survey method was used and 400 responses were collected with Likert-type questions using Google Forms as a medium. A model was developed and proposed based on different technology acceptance models like TAM, UTAUT and similar studies on factors influencing users’ intention to adopt and reuse mobile financial services in Bangladesh. The proposed model was tested by performing simple and multiple linear regression using SPSS software. Findings – The results show that perceived ease of use influences perceived usefulness of mobile financial services but perceived ease of use, perceived usefulness and security have no influence on trust in terms of behavioral intention to reuse mobile financial services in Bangladesh. However, with the exception of trust and perceived financial cost, the remaining variables such as perceived usefulness, perceived ease of use, security, perceived risk, social influence and facilitating conditions significantly influence behavioral intentions to reuse mobile financial services in Bangladesh. Novelty - This study examines crucial factors spotted in literature in the context of Bangladesh. Earlier papers have primarily focused on traditional banking clients’ behavioral intention toward their bank’s mobile banking facilities in Bangladesh. This paper is comprehensively designed to identify influential factors of reusing non-traditional mobile financial services like bKash, Rocket, Nagad etc. at the growth level in the industry of Bangladesh. The researcher tried to identify factors influencing both bank and non-bank users to reuse mobile financial services for their digital transactions. Type of Paper: Empirical. JEL Classification: M31, M39. Keywords: bKash; Bangladesh; Mobile Banking; Behavioral Intentions; Reuse; Mobile Financial Services. Reference to this paper should be made as follows: Khan, M.R; Chaipoopirutana, S. 2020. Factors Influencing Users’ Behavioral Intention to Reuse Mobile Financial Services in Bangladesh, J. Mgt. Mkt. Review 5(3) 155 – 169. https://doi.org/10.35609/jmmr.2020.5.3(4)

scholarly journals Financing Product Design for Fisheries Through Sharia Micro-Finance Institutions

2019 ◽  
pp. 1144-1149
Author(s):  
Anas Alhifni ◽  
Tuti Kurnia ◽  
Biyati Ahwarumi ◽  
Rully Trihantana
Keyword(s):  
Focus Group ◽  
Product Design ◽  
Focus Group Discussion ◽  
Group Discussion ◽  
Qualitative Approach ◽  
Family Needs ◽  
Limited Access ◽  
Study Results

Fishermen in Indonesia have limited access to financial assistant from banks because they do not meet criteria set by the bank. One institution that could be able to provide access and solve this problem is sharia micro-finance institution (SMFI). This study aims for identifying fishermen needs on SMFI financing products and proposing the most suitable financing design which can be applied through SMFI. The study uses qualitative approach by adopting phenomenology technique and holding a focus group discussion (FGD) to acquire the intended design. The study results showed that in general, fishermen of Palabuhan Ratu need financing product from SMFI like consumptive financing for living or family needs and productive financing that can be used to support the sustainability of their business such as purchasing equipment, boats, fishing tools and so on. The proposed design which formulated by this study incorporates double-approaches financing design; firstly, optimizing SMFI’s role as Baitul mall (house of fund) through two Islamic contracts model i.e. Qard or Qardhul Hasan and Temporary Waqf; secondly, both optimizing SMFI as Baitut Tamwil (house of financing) through three financing products that is Parallel Istishna (PI), Syirkah Mudharaba Mutlaqa (SMM) and Ijarah Muntahia Bit Tamlik (IMBT).

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