The role of UTAUT, DOI, perceived technology security and game elements in internet banking adoption

2018 ◽  
Vol 15 (4) ◽  
pp. 338-356 ◽  
Author(s):  
Samar Rahi ◽  
Mazuri Abd. Ghani
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Explanatory Power ◽  
Internet Banking ◽  
Integrated Model ◽  
Matrix Analysis ◽  
Equation Modeling ◽  
Content Type ◽  
Intention To Adopt ◽  
Game Elements

Purpose The increasing innovation and urgent need of up-to-date and convenient information systems have gained high importance in financial sector. Several banks have deployed internet banking in order to reduce cost while improving customer services. Therefore, the growth of internet banking is limited and in many cases fallen short of expectations. The purpose of this paper is to develop an integrated model that combines technology, innovative and environmental factors altogether in order to understand customer’s intention to adopt, and intention to recommend internet banking in social networks. Design/methodology/approach In all, 398 valid responses were collected from customers of commercial banks, using convenience sampling approach. Data were analyzed using the structural equation modeling. Findings The findings show that integrated model has good explanatory power (78.3 percent) to predict customer’s intention to adopt internet banking. Findings also revealed that the interaction effect of gamification between user’s intention to adopt and user’s intention to recommend internet banking will be stronger when gamification effect is higher. Importance performance matrix analysis (IPMA) revealed that innovativeness and perceived technology security were the most important factors in order to determine user’s intention with regard to adoption of internet banking. Practical implications For policy-makers, it is suggested that they should focus on innovative characteristics and must ensure the possible environment for carrying out internet banking transaction. Advertising about new technology with adequate information may produce positive influence on user’s intention. Enjoyable internet banking website with reward system will help to improve user’s intention to adopt and intention to recommend internet banking with others, thus developers should introduce game features on internet banking website. Originality/value This study provides basis for further refinement of individual technology acceptance models and enrich the e-commerce literature adding innovative and game elements in interne banking adoption context. Additionally, the proposed model makes an important contribution in emerging e-commerce literature especially in the context of innovative and gamified internet banking.

Adoption of mobile banking services

2019 ◽  
Vol 37 (5) ◽  
pp. 1165-1189 ◽  
Author(s):  
Apostolos Giovanis ◽  
Pinelopi Athanasopoulou ◽  
Costas Assimakopoulos ◽  
Christos Sarmaniotis
Keyword(s):  
Theory Of Planned Behavior ◽  
Technology Acceptance ◽  
Planned Behavior ◽  
Structural Equation ◽  
Goodness Of Fit ◽  
Statistical Significance ◽  
Explanatory Power ◽  
Equation Modeling ◽  
Mobile Banking ◽  
Content Type

PurposeThe purpose of this paper is to investigate which of four well-established theoretical models (i.e. technology acceptance model, theory of planned behavior, unified theory of acceptance and use of technology, decomposed theory of planned behavior (DTPB)) best explains potential users’ behavioral intentions to adopt mobile banking (MB) services.Design/methodology/approachDrawing on data from 931 potential users in Greece, the structural equation modeling method was used to examine and compare the four models in goodness-of-fit, explanatory power and statistical significance of path coefficients.FindingsResults indicate that the best model is an extension of the DTPB with perceived risk (PR). Customers’ attitude, determined by three rationally-evaluated MB attributes (usefulness, easiness and compatibility), is the main driver of consumers’ intentions to adopt MB services. Additionally, consumers’ perceptions of availability of knowledge, resources and opportunities necessary for using the service, and the pressure of interpersonal and external social contexts toward the use of MB are the other two, less important, adoption drivers. Finally, PR negatively affects attitude formation and inhibits willingness to use MB services.Practical implicationsFindings can help marketers of financial institutions to select the more parsimonious model to develop appropriate marketing strategies to increase adoption rates of MB services.Originality/valueThis is the first study that compares the performance of four well-known innovation adoption models to explain consumers’ behavior in the MB context.

Intention to adopt internet banking in an emerging economy: a perspective of Indian youth

2015 ◽  
Vol 33 (4) ◽  
pp. 530-544 ◽  
Author(s):  
Rambalak Yadav ◽  
Vikas Chauhan ◽  
Govind Swaroop Pathak
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Internet Banking ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Actual Behavior ◽  
Content Type ◽  
Intention To Adopt ◽  
Indian Context ◽  
Young Consumers

Purpose – The purpose of this paper is to understand the consumer’s intention toward internet banking adoption in Indian context by combining two theories; theory of planned behavior (TPB), technology acceptance model (TAM) and an additional construct, i.e. perceived risk. Design/methodology/approach – A questionnaire based survey was conducted to collect responses from young consumers (210 usable responses). Data were analyzed using structural equation modeling to evaluate the strength of relationship. Findings – The result shows that perceived usefulness, attitude, subjective norm and perceived behavioral control significantly influences the consumer’s intention to adopt internet banking whereas perceived risk failed to show any significant influence over intention to adopt internet banking. Research limitations/implications – The study is limited to young consumers (i.e. professional students) only. Further, the study concerns itself with consumer’s intention not actual behavior. Practical implications – The finding will be useful for bank officials for devising strategies and policies related to internet banking in the Indian scenario. Originality/value – The paper is one of the initial attempts in Indian context to understand the consumer’s intention to adopt internet banking by combining TPB and TAM theories.

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.

Are government employees adopting local e-government transformation?

2017 ◽  
Vol 11 (4) ◽  
pp. 612-638 ◽  
Author(s):  
Enrique Batara ◽  
Achmad Nurmandi ◽  
Tulus Warsito ◽  
Ulung Pribadi
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
The Philippines ◽  
City Government ◽  
Equation Modeling ◽  
Government Employees ◽  
Content Type ◽  
Four Dimensions ◽  
Intention To Adopt ◽  
Facilitating Conditions

Purpose This study aims to examine the association of technology acceptance variables with the intention of adopting e-government transformation, as defined by four dimensions, namely, using new technology systems, redesigning of governmental processes, restructuring of governmental organization and changing the organizational culture and behavior, from the perspective of city government employees in Indonesia and the Philippines. Design/methodology/approach Quantitative approach was used in the conduct of this research. Variables were operationalized into indicators, which were transmuted into a self-reported survey questionnaire. Survey data obtained from purposively sampled city government employees were analyzed using structural equation modeling. Findings Findings suggest that attitude is a pivotal predictor of intention to adopt e-government transformation across all four dimensions, while performance expectancy, social influence and facilitating conditions also positively influence the intention to adopt process redesign, organizational structuring and cultural and behavioral change in the city government. Respondents’ length of work experience appears as a significant moderating variable. Research limitations/implications This study reports only on the findings from two cities in two countries, Surabaya in Indonesia and Davao in the Philippines. The determination of the sample size was done through purposive sampling, so the application of results should be done with prudence. The constructs used for the research model were chosen because of their prominence in the literature. This study made use of a simple linear regression model in hypothesizing the relationships of the constructs. Practical implications For e-government transformation to be adoptable and efficacious, supporting and facilitating conditions are necessary. Structural, technical and financial support, as well as legal framework, for local e-government transformation should be in place. Maintaining and sustaining the positive attitude toward it should be done. Originality/value Although many studies have been conducted on adoption of ICT-enabled government services from the citizens’ viewpoint, little has been done from the local government employees’ perspective, and no prior cross-country study has been made. This study fills those gaps in the e-government adoption literature. Further, this study has shown that technology acceptance variables’ roles as predictors of behavioral intention can be extended to other dimensions of e-government.

Explaining undergraduates’ behavior intention of e-textbook adoption

2014 ◽  
Vol 32 (1) ◽  
pp. 139-163 ◽  
Author(s):  
Chun-Hua Hsiao ◽  
Kai-Yu Tang
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Goodness Of Fit ◽  
Survey Methodology ◽  
Behavioral Control ◽  
Explanatory Power ◽  
Theoretical Models ◽  
Equation Modeling ◽  
Content Type ◽  
Model Comparisons

Purpose – The current study aims to investigate college students' behavioral intentions to adopt e-textbooks for their studies according to well-known theoretical intention-based models. Design/methodology/approach – This paper empirically assesses five theoretical models of technology acceptance, including the theory of planned behavior (TPB), the technology acceptance model (TAM), the decomposed TPB model (DTPB), the combined model of TAM and TPB (C-TAM-TPB), and the unified theory of acceptance and use of technology (UTAUT). The survey methodology and structural equation modeling (SEM) were employed to examine and compare these five models. Moreover, explanatory power, goodness-of-fit indices, and model parsimony were taken into consideration in the model comparisons. Findings – Both TPB and TAM provided less effective but adequate predictive behavioral power. However, TPB appeared to be more parsimonious than TAM and the other models. By focusing on specific beliefs of attitude, social and control influences, DTPB shares many of the same advantages as TPB and TAM, but is less parsimonious. Similarly, C-TAM-TPB, an augmented version of TAM that incorporates social influences and behavioral control, is superior to TPB and TAM in terms of its explanatory power of behavioral intention to use e-textbooks. Overall, however, the results indicated that UTAUT appeared to be the best model in terms of the metrics of parsimonious fit and explanatory power. Originality/value – Theoretical comparison of different models is important. This is believed to be the first study to present model comparisons by investigating undergraduates' intention to adopt e-textbooks as tools for their on-campus learning in Taiwan.

Role of innovativeness and self-efficacy in tourism m-learning

2017 ◽  
Vol 72 (3) ◽  
pp. 344-355 ◽  
Author(s):  
Johra Kayeser Fatima ◽  
Parvez Ghandforoush ◽  
Mahmood Khan ◽  
Rita Di Masico
Keyword(s):  
Technology Acceptance ◽  
Developing Country ◽  
Behavioral Intention ◽  
Self Efficacy ◽  
Structural Equation ◽  
Equation Modeling ◽  
Content Type ◽  
Intention To Adopt ◽  
Tourism Education

Purpose This study aims to explore the opportunity offered through mobile learning (m-learning) to tourism education in the developing country context. To achieve this aim, the antecedent impact of self-efficacy and the moderator role of innovativeness on the attitude and intention to adopt m-learning have been investigated using the technology acceptance model (TAM). Design/methodology/approach A survey of 176 participants from three prominent tourism education institutes in Dhaka, Bangladesh, has been conducted. Partial least squares-based structural equation modeling (PLS-SEM) has been used to analyze the data. Findings While the findings confirmed the antecedent effect of self-efficacy on the intention to adopt m-learning, the moderating effect of innovativeness was not found to be as significant for the attitude-intention link. Research limitations/implications Data have been collected only from one country and from current tourism students. Future studies on several developing countries with different potential users would bring more in-depth insights. Practical implications Tourism education institutes need to focus on students’ self-efficacy to build a positive attitude and behavioral intention toward m-learning when launching mobile-based education services. Originality/value The study provides theoretical underpinnings enabling tourism educators to better understand tourism students’ behavioral intention to use m-learning, in particular in the developing country context. By applying TAM to tourism education to examine the effects of students’ self-efficacy and innovativeness, a better explanation of the adoption of m-learning in tourism education is provided.

Does gamified elements influence on user’s intention to adopt and intention to recommend internet banking?

2019 ◽  
Vol 36 (1) ◽  
pp. 2-20 ◽  
Author(s):  
Samar Rahi ◽  
Mazuri Abd. Ghani
Keyword(s):  
Technology Adoption ◽  
Internet Banking ◽  
The Body ◽  
Matrix Analysis ◽  
Equation Modeling ◽  
Content Type ◽  
Intention To Adopt ◽  
Self Confidence ◽  
Body Of Knowledge ◽  
Specific Factors

Purpose Understanding the main determinants of internet banking is important for banks and users. Although several prior research projects have focused on the factors that impact on adoption of technology, there is a limited empirical work which simultaneously captures technology-specific factors (PE, EE, WD, GAM) and customer-specific factors (GSC, INTRC) that help customers to adopt internet banking. Thus, the purpose of this paper is to verify how these factors influence individual behavior and motivate them to adopt new technology. The authors advance the body of knowledge on this subject by proposing moderating relationship of gamification between user’s intention to adopt and intention to recommend internet banking in social network. Design/methodology/approach To test the model the authors developed a quantitative study involving 398 internet users from five commercial banks. Data were collected in four weeks beginning of September 2017 from three large cities of Pakistan using convenience sampling approach. The theoretical model was tested using structural equation modeling (SEM). Findings The results indicate that intention to adopt internet banking is positively affected by performance expectancy, effort expectancy, website design, website characteristics and general self-confidence. Findings of SEM showed that approximately 72 percent of the variance in customer’s intention to adopt internet banking was accounted by predictors. Moderating effect of gamification suggested that the positive relationship between customer’s intention to adopt and customer’s intention to recommend internet banking will be stronger when gamification is higher. Importance performance matrix analysis (IPMA) suggested that among all other variables general self-confidence is the most important construct as it has the highest importance value in IPMA. Practical implications This study provides insightful guideline to practitioners, web designers and marketing professional that they should focus on both technology perspective and customer-specific factors to boost the confidence of internet banking users, while for researchers this study provides a basis for further development of technology adoption models in e-commerce domain. Originality/value This study contributes to the body of knowledge by adding game elements in technology perspective model and augments the e-commerce literature in the internet banking adoption context. To the date, this study is the first in its nature that investigates both technology-specific factors and customer-specific factors altogether to see the users influence toward technology adoption.

An integrated model of festival revisit intentions

2016 ◽  
Vol 28 (4) ◽  
pp. 818-838 ◽  
Author(s):  
Hyungsuk Choo ◽  
Kwangho Ahn ◽  
James F. Petrick
Keyword(s):  
Social Identity ◽  
Structural Equation ◽  
Social Influences ◽  
Explanatory Power ◽  
Integrated Model ◽  
Subjective Norms ◽  
Equation Modeling ◽  
Group Norms ◽  
Content Type ◽  
Revisit Intentions

Purpose This paper aims to investigate the determinants of current visitors’ festival revisit intentions. The concepts of festival quality and satisfaction were adapted and integrated with the theory of planned behavior (TPB) from social psychology to theorize a model of festival revisit intentions. In addition, given the importance of social characteristics in festival visiting behavior, the relative impacts of three modes of social influences (i.e. subjective norms, group norms and social identity) were investigated. Design/methodology/approach Statistical analyses were conducted using structural equation modeling to examine the hypothesized relationships with the data collected onsite during the Nonsan Strawberry Festival, held in Nonsan, South Korea. The eleven constructs were incorporated into the structural model to examine the hypothesized relationships among the latent factors. Findings Results of the analyses indicated that the proposed model had an acceptable fit to the empirical data. The overall explanatory power of the model had an R2 of 84 per cent for revisit intention and an R2 of 60 per cent for satisfaction. Satisfaction was found to be the strongest predictor of visitors’ revisit intensions, followed by social identity, subjective norms and group norms. Research limitations/implications This study developed an integrated model to explain festival visitors’ revisit intentions by adopting not only visitors’ personal evaluation of the festival experience and but also a series of social influences. Practical implications Based on the results, festival managers should allocate their marketing resources for the festival program, environment and souvenirs to increase the visitors’ perception of quality. Particular attention should also be given to visitor groups and their travel companions’ influences on their intentions to revisit the festival. Originality/value The incorporation of festival quality and satisfaction and TPB extended with additional social influence variables provided a model with a theoretical basis to explain festival revisit intentions. This approach may provide an initial blueprint for further investigation of other theoretical revisit models.

Individual social entrepreneurial orientation in Brazil: measurement and the predictive role of personal values and attitude toward social change

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Márcia Maria Garçon ◽  
Vânia Maria Jorge Nassif ◽  
Tiago Jessé Souza de Lima
Keyword(s):  
Social Change ◽  
Entrepreneurial Orientation ◽  
Structural Equation ◽  
Personal Values ◽  
Explanatory Power ◽  
Equation Modeling ◽  
Survey Method ◽  
Social Entrepreneurs ◽  
Content Type ◽  
Self Transcendence

Purpose The purpose of this paper is to develop and test a model that aims to explain individual entrepreneurial orientation (IEO) focused on the context of social entrepreneurship (SE) (Social-IEO) by considering the personal values and attitude toward social change through direct and indirect effects. To achieve this purpose, the authors created and validated a scale to measure Social-IEO. Design/methodology/approach The paper uses scale construction techniques (DeVellis, 2016) and survey method for data collection. As such, this study was conducted by considering a sample of 198 social entrepreneurs. Multivariate data analysis and structural equation modeling are used to validate the theoretical model. Findings The Social-IEO scale was validated and shows to adequately encompass and measure the construct. The proposed model has predictive relevance and explains 45% of Social-IEO. Findings suggest that self-transcendence value has no direct effect on Social-IEO. Additionally, conservation and self-promotion values do not have a negative correlation with Social-IEO. Finally, attitude of social change has a strong explanatory power to Social-IEO. The findings offer important theoretical and practical implications for the field of entrepreneurship education and entrepreneurial behavior. Originality/value The definition of a specific concept of IEO applied to the context of SE contributes to the correct understanding of its dimensions, measurement and management. This eliminates a gap in studies and contributes to expand and strengthen research. It also provides an original empirical approach, as the method used to measure IEO in a reflective way is unusual in previous studies.

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.

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