The moderating role of individual and social factors in Internet banking loyalty: an exploratory study

2014 ◽  
Vol 8 (3) ◽  
pp. 420-446 ◽  
Author(s):  
Hossein Mohammadi
Keyword(s):  
Self Efficacy ◽  
Internet Banking ◽  
Structural Equations ◽  
Subjective Norms ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Content Type ◽  
Personal Innovativeness ◽  
Mediating Role

Purpose – The purpose of this paper is to explore barriers; the mediating role of usability; and the moderating effects of subjective norms, personal innovativeness, self-efficacy and perceived image on users’ attitudes toward loyalty to Internet banking (IB) in Iran. Design/methodology/approach – Based on the consumer data collected from a survey, structural equations modeling and path analysis were used to test the research model. Findings – The results revealed that “low perceived usefulness” and “low perceived ease of use” both had negative effects on users’ attitudes. “Low awareness” and “low system compatibility” were found to be the main factors impeding users’ attitudes toward loyalty to IB. “Perceived usefulness” showed no mediating role in the relationship between ease of use and users’ attitudes. At last, all concerned moderators moderated the relationships between ease of use/usefulness and users’ attitudes. Research limitation/implication – The sample was only composed of IB users of one Iranian bank, and non-users were not studied. Originality/value – Past studies have seldom examined the role of individual drivers such as personal innovativeness and self-efficacy and social drivers such as subjective norms and perceived image as moderating variables in the context of developing countries.

A study of mobile banking usage in Iran

2015 ◽  
Vol 33 (6) ◽  
pp. 733-759 ◽  
Author(s):  
Hossein Mohammadi
Keyword(s):  
Self Efficacy ◽  
Structural Equations ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Content Type ◽  
Moderating Variables ◽  
Mediating Role ◽  
Negative Effect

Purpose – The purpose of this paper is to explore barriers, the mediating role of usability and the moderating effects of self-efficacy and perceived image on consumers’ attitudes toward use of mobile banking (MB) in Iran. Design/methodology/approach – Based on the consumer data collected through a survey, structural equations modeling and path analysis were employed to test the research model. Findings – The results revealed that “system compatibility” was found to be the main factor affecting users’ attitudes toward use of MB. “Resistance” showed a significant negative effect on both ease of use and usefulness. “Perceived usefulness” mediated the relationship between ease of use and users’ attitudes. At last, contrary to self-efficacy which showed no significant effect, perceived image moderated the relationships between usefulness and attitude. Research limitations/implications – The sample was only composed of MB users and non-users were not studied. Originality/value – Past studies have seldom examined the role of individual drivers like self-efficacy and social drivers like perceived image as moderating variables in the context of developing countries.

An analysis of factors affecting mobile banking adoption

2019 ◽  
Vol 38 (2) ◽  
pp. 352-367 ◽  
Author(s):  
Samer Elhajjar ◽  
Fadila Ouaida
Keyword(s):  
Digital Literacy ◽  
Perceived Risk ◽  
Resistance To Change ◽  
Structural Equations ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Content Type ◽  
Factors Affecting ◽  
Personal Innovativeness

Purpose The purpose of this paper is to develop a conceptual model that explains the most important factors affecting mobile banking adoption for Lebanese banking customers. Design/methodology/approach Based on the data collected through a survey, structural equations modeling and path analysis were utilized to test the hypotheses. In total, 320 questionnaires were collected from Lebanese customers. Findings The results show that digital literacy, resistance to change, perceived risk, perceived ease of use, and perceived usefulness were found to be the main variables affecting users’ attitudes toward adoption of mobile banking, whereas awareness and compatibility showed no significant impact on adoption. In addition, both subjective norms and personal innovativeness influenced users’ adoption moderated the relationships between usefulness attitude and ease of use attitude. Originality/value The study fills a gap in the literature by exploring e-readiness influence on adoption through testing the variable “digital literacy” and by examining the effect of the frequency of branch visits on the intention to adopt mobile banking. Social and individual variables, such as social influence and personal innovativeness, which were rarely examined in past studies, are employed in this research. All of our respondents were actual bank account holders.

scholarly journals The Determinant of Acceptance of SIMDA (Information System of District Management) Implementation on the Government of Batu City

2017 ◽  
Vol 1 (2) ◽  
pp. 298
Author(s):  
Umar Maksum ◽  
Zaki Baridwan ◽  
Imam Subekti
Keyword(s):  
Information System ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Self Efficacy ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Personal Innovativeness ◽  
Acceptance Model ◽  
Computer Self Efficacy

<p>This study aims to examine the factors influencing the acceptability of SIMDA in the Batu Municipal Government. The research model used the <em>Technology Acceptance Model</em> (TAM), which add external construct from D&amp;M success model of information system and other construct namely the <em>commitment of management</em>, <em>social influence</em> and the Individually influence such as <em>computer self-efficacy</em> and <em>personal innovativenes</em>. This research employed census sampling method. The samples are all official of in financial department who use SIMDA. Results of the research showed that <em>perceived usefulness</em> was affected by <em>management commitment</em>, <em>social influence</em>, <em>information quality, system quality</em>, <em>personal innovativeness</em>, and<em> perceived ease of use</em>. In addition, <em>Computer self-efficacy</em>, and <em>personal innovativeness</em> influenced to <em>perceived ease of use</em>. Furthermore, the <em>acceptance SIMDA</em> was influenced <em>perceived usefulness</em> and <em>perceived ease of use</em>. On the contrary, <em>computer self-efficacy</em> did not affect to <em>perceived usefulness</em><strong></strong></p><p><strong>Keywords: </strong>Technology Acceptance Model (TAM), Acceptance SIMDA, perceived usefulness, perceived ease of use</p>

Organizational identification and employees’ innovative behavior: the mediating role of work engagement and the moderating role of creative self-efficacy

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Guangning Zhang ◽  
Yingmei Wang
Keyword(s):  
Work Engagement ◽  
Organizational Identification ◽  
Self Efficacy ◽  
Innovative Behavior ◽  
Content Type ◽  
Mediating Role ◽  
Creative Self ◽  
The Relationship ◽  
Moderating Role

Purpose This study aims to investigate the effect of organizational identification to employees’ innovative behavior, the mediating role of work engagement and the moderating role of creative self-efficacy in the relationship between organizational identification and employees’ innovative behavior. Design/methodology/approach This study adopted questionnaires to gather data. The sample of 289 employees working in diverse organizations in China was applied to examine the hypotheses. Findings The results indicates that organizational identification is positively related to employees’ innovative behavior and work engagement mediates the relationship between organizational identification and employees’ innovative behavior. In addition, creative self-efficacy enhances the relationship of work engagement and employees’ innovative behavior. Originality/value This study builds a system from psychological aspect to behavior, which includes the effect of individual cognition to explain the mechanism of organizational identification on employees’ innovative behavior.

Improving performance through leaders' forgiveness: the mediating role of radical innovation

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Emilio Domínguez-Escrig ◽  
Francisco Fermín Mallén Broch ◽  
Ricardo Chiva Gómez ◽  
Rafael Lapiedra Alcamí
Keyword(s):  
Organizational Performance ◽  
Explanatory Variable ◽  
Radical Innovation ◽  
Structural Equations ◽  
Content Type ◽  
Mediating Role ◽  
Firm Turnover ◽  
The Relationship ◽  
Practical Implications

PurposeThe objective of this study is to analyze the relationship between leaders' forgiveness and organizational performance using radical innovation as an explanatory variable.Design/methodology/approachThe study was conducted in a sample frame of 11,594 Spanish companies. A total of 600 valid questionnaires were obtained. The structural equations were used to validate the proposed hypotheses.FindingsResults confirmed the hypotheses proposed in the model: the authors provided, through structural equations, empirical evidence of the relationship between leaders' forgiveness and organizational performance, mediated by radical innovation. Leaders' forgiveness promotes radical innovation and, in turn, performance.Research limitations/implicationsThe sample of companies is heterogeneous in terms of firm turnover, size and age. The study is focused on radical innovation.Practical implicationsThe present study may help to develop more humane policies to manage human resources, by taking into account employees' feelings and needs.Originality/valueThe business field is closer to competitive values and has traditionally underestimated the importance of leaders' forgiveness. This is one of the few studies that empirically analyze the consequences of leaders' forgiveness within organizations.

The Role of Internet Self-Efficacy in Acceptance of Web-Based Electronic Medical Records

2011 ◽  
pp. 54-76 ◽  
Author(s):  
Qingxiong Ma ◽  
Liping Liu
Keyword(s):  
Technology Acceptance ◽  
Self Efficacy ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Record System ◽  
Web Based ◽  
Medical Record System ◽  
Acceptance Model

The technology acceptance model (TAM) stipulates that both perceived ease of use (PEOU) and perceived usefulness (PU) directly influence the end user’s behavioral intention (BI) to accept a technology. Studies have found that self-efficacy is an important determinant of PEOU. However, there has been no research examining the relationship between self-efficacy and BI. The studies on the effect of self-efficacy on PU are also rare, and findings are inconsistent. In this study, we incorporate Internet self-efficacy (ISE) into the TAM as an antecedent to PU, PEOU, and BI. We conducted a controlled experiment involving a Web-based medical record system and 86 healthcare subjects. We analyzed both direct and indirect effects of ISE on PEOU, PU, and BI using hierarchical regressions. We found that ISE explained 48% of the variation in PEOU. We also found that ISE and PEOU together explained 50% of the variation in PU, and the full model explained 80% of the variance in BI.

scholarly journals Drivers and outcomes of branded mobile app usage intention

2019 ◽  
Vol 28 (1) ◽  
pp. 28-49 ◽  
Author(s):  
Lara Stocchi ◽  
Nina Michaelidou ◽  
Milena Micevski
Keyword(s):  
Structural Equations ◽  
Mobile App ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Brand Identity ◽  
Intention To Use ◽  
Content Type ◽  
Consumer Privacy ◽  
Willingness To Recommend ◽  
Practical Recommendations

PurposeThis study aims to examine the drivers and outcomes of the usage intention of branded mobile applications (apps), revealing findings of theoretical and practical relevance. First, it uncovers the specific technological features that underpin the perceived usefulness and ease of use of branded apps driving (directly and indirectly) usage intention. Second, it outlines two key outcomes that are relevant to the strategic management of branded apps: willingness to recommend the app and willingness to pay to continue using the app.Design/methodology/approachThis study uses data randomly derived from a panel of one million UK consumers, analyzed via structural equations modeling. The unit of analysis was individual apps prominently displaying a brand identity. The study tested indirect relationships between the key drivers considered and usage intention via perceived usefulness and ease of use.FindingsConsumers who view branded apps as protecting their privacy, customizable and compatible with what they do, will have stronger perceptions of usefulness and ease of use and greater intention to use the app. These effects also occur indirectly. Furthermore, usage intention drives the willingness to recommend the app and to pay to continue using it.Practical implicationsTo influence usage intention, managers can improve the perception of usefulness of branded apps by protecting consumer privacy and improving the app’s design and its compatibility with people’s needs and lifestyle. Managers can also enhance the perception of ease of use of the branded app by heightening its security and ubiquity. Combined, these factors can enhance (directly and indirectly) the intention to use the app, which will lead to the willingness to recommend the app and pay for it.Originality/valueThis study extends previous research by examining factors driving the intention to use branded apps and the resulting outcomes. It also offers a model that yields predictions for individual branded apps (not the brand powering the app), thus providing practical recommendations on how to manage, in general, apps with a brand identity.

scholarly journals The impact of ethical leadership on service innovation behavior

2019 ◽  
Vol 13 (1) ◽  
pp. 73-88 ◽  
Author(s):  
Fahri Özsungur
Keyword(s):  
Ethical Leadership ◽  
Self Efficacy ◽  
Psychological Capital ◽  
Service Innovation ◽  
Service Development ◽  
Content Type ◽  
Mediating Role ◽  
The Impact ◽  
Innovation Behavior

Purpose Ethical leadership is at the forefront of what matters in today’s business life and current issues, with a view to making strong moral decisions through bilateral communication. Service innovation behavior is important in terms of individual and institutional actions in the process of producing and implementing new ideas. Investigating the mediating role of psychological capital which consists of self-efficacy, optimism, hope and psychological endurance dimensions, between ethical leadership and service innovation behavior, is a matter to be investigated. This study aims to assess the impact of ethical leadership on service innovation behavior by means of a comprehensive literature review. In this framework, psychological capital forms the scope of researching the mediating role. Design/methodology/approach This study was conducted with 376 blue-collar workers randomly selected from 140 company which were selected from 1,294 joint stock companies among 76,882 companies operating in the province of Adana in Turkey and registered in the Adana Chamber of Commerce, by applying a questionnaire of 40 items. Findings As a result of the factor analysis, 6 items which could not provide reliability were extracted from the scale and the remaining 34 items were distributed in three factors and the validity of the construct validity was measured by the convergence and divergence methods. Construct reliability (CR) values were found to be statistically significant (SRMR: 0.50, RMSEA = 0.058, IFI: 0.955, CFI = 0.97, GFI = 0.96, AGFI = 0.86, TLI = 0.97, χ2/s.d. = 2.264) when it was above 0.7, and the structural equation model determined that the research data and the initially determined model are compatible. Ethical leadership has a significant effect on psychological capital (ß = 0.224, p < 0.001), ethical leadership has a significant effect on innovation (ß = 0.113, p < 0.001), psychological capital was found to have a significant influence on service innovation (ß = 0.965, p < 0.001), and ethical leadership was mediated by psychological capital on service innovation behavior (SIE = 0.235). Research limitations/implications Further research is needed to assess conducting research in enterprises with different cultural characteristics. This paper provides the effectiveness of ethical leadership and psychological capital factors, which are effective in improving employee service innovation behavior and enabling managers to develop human resources strategies in this respect. Practical implications The results provide the impact of ethical leadership on the productivity of employees in the workplace and provide practical benefits in terms of developing innovation-oriented service development behaviors. Social implications The innovative behaviors of the employees enable the development of innovative ideas in social life by contributing to consumer satisfaction and economy. Ethical leadership ensures positive behaviors in the society by ensuring that employees in the workplace develop justice sentiments. Originality/value The mediating role of psychological capital between ethical leadership and service innovation behavior has not been investigated before. In this study, the effects of self-efficacy, optimism, hope and resilience factors were investigated in providing ethical leaders and employees, creating value in the enterprise, and in providing innovation-focused services for employees.

Self-efficacy as an antecedent of cognition and affect in technology acceptance

2014 ◽  
Vol 31 (3) ◽  
pp. 190-199 ◽  
Author(s):  
Songpol Kulviwat ◽  
Gordon C. Bruner II ◽  
James P. Neelankavil
Keyword(s):  
Technology Acceptance ◽  
Self Efficacy ◽  
Structural Equation ◽  
Emotional Reactions ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
External Variable ◽  
Content Type ◽  
Cognition And Affect

Purpose – This paper aims to examine whether self-efficacy plays an important role in shaping the effect of cognition and affects in high technology adoption. It also examines whether cognition and affect mediate the effect of self-efficacy on attitude toward adoption. Design/methodology/approach – Using an experimental survey to collect data, subjects performed two different tasks (utilitarian and hedonic) to make sure that they had cognitive and affective experiences to draw upon as they developed attitudes toward the focal innovation. Structural equation modeling was used to analyze the model. Findings – The result shows that self-efficacy influenced cognitive perceptions and emotional reactions. Specifically, self-efficacy was found to play a substantive role in shaping individuals’ attitudes via a cognitive route (perceived usefulness and ease-of-use) and an affective one (pleasure, arousal and dominance). Research limitations/implications – The study of self-efficacy as an external variable provides further insights into the process and is expected to increase the explained variance of the theoretical model. Practical implications – This study confirms that a belief about something besides the product also plays a key role; it is the confidence consumers have in their own abilities to understand and effectively use a new piece of technology. Originality/value – The research makes important contributions to our understanding of technology acceptance and has implications for marketing managers.

Mobile payments adoption by US consumers: an extended TAM

2017 ◽  
Vol 45 (6) ◽  
pp. 626-640 ◽  
Author(s):  
Ainsworth Anthony Bailey ◽  
Iryna Pentina ◽  
Aditya Shankar Mishra ◽  
Mohammed Slim Ben Mimoun
Keyword(s):  
Self Efficacy ◽  
Online Survey ◽  
New Technology ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Convenience Sample ◽  
Content Type ◽  
Privacy Concerns ◽  
The Usa ◽  
Technology Anxiety

Purpose The purpose of this paper is to incorporate mobile payment (MP) self-efficacy, new technology anxiety, and MP privacy concerns into the basic TAM to explore MP adoption, particularly tap-and-go payment, among US consumers. Design/methodology/approach Data were collected through an online survey conducted among students at a Midwestern University in the USA. A total of 254 participants provided 240 useable responses. Findings MP self-efficacy significantly impacts perceived ease of use (PEOUMP) and perceived usefulness of MP (PUMP). These in turn impact MP attitude, which affects intention to use MP. Privacy concerns also impact attitude towards MP and MP use intention. New technology anxiety impacts PEOUMP, but not PUMP. Research limitations/implications The study uses a convenience sample of young US consumers, which could limit the generalisability of the results. The study is also limited to tap-and-go payment. Practical implications US retailers have information on some of the factors that encourage MP adoption. Retailers need to address self-efficacy concerns, MP privacy concerns, and consumers’ perceptions of usefulness of the technology. Originality/value There has been little research on factors impacting tap-and-go payment adoption in the USA. The study highlights the roles of self-efficacy and privacy concerns. It focusses on tap-and-go payment, since this technology can enhance consumers’ retail experience.

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