Information communication technology acceptance and usage in the microfinance sector: The perspective of least developed countries

2021 ◽  
pp. 026666692110099
Author(s):  
Abdo Ali Homaid
Keyword(s):  
Technology Acceptance ◽  
Diffusion Of Innovation ◽  
Structural Equation ◽  
Structural Data ◽  
Developed Countries ◽  
Partial Least Square ◽  
Least Square ◽  
Least Developed Countries ◽  
Factors Affecting ◽  
Use Of Technology

This study aims to identify the determinants that influence the acceptance and usage of ICT among microfinance employees in the least-developed countries. It extended the Unified Theory of Acceptance and Use of Technology (UTAUT) model with the inclusion of Innovativeness (IN) from the Diffusion of Innovation (DOI) theory. The quantitative approach was adopted, with a survey questionnaire distributed online to microfinance employees in Yemen, completed by 195 respondents. Both measurement and structural data analyses were employed through Partial Least Square Structural Equation Modelling (PLS-SEM), using Smart PLS software. The results show that the UTAUT variables Performance Expectancy (PE), Effort Expectancy (EE), Facilitating Conditions (FC) and IN were significant predictors of Behavioural Intention (BI) to accept and use ICT by microfinance employees, but not Social Influence (SI). The results also reveal that the most significant factors affecting BI were EE followed by PE, IN and FC respectively; BI was the most significant factor affecting Use Behaviour (UB) of ICT among the tested relationships in the study model. Significantly, the results show that IN was a crucial factor as it significantly affected PE, EE and BI to use ICT. The outcomes of the study will assist decision makers to make appropriate interventions for the effective use of ICT by employees in a flourishing and infant industry like microfinance. Consequently, it will help in eradicating and eliminating poverty, a global issue.

scholarly journals Factors Influencing Cloud Computing Adoption in Higher Education Institutions of Least Developed Countries: Evidence from Republic of Yemen

2020 ◽  
Vol 10 (22) ◽  
pp. 8098
Author(s):  
Abdullah Hussein Alghushami ◽  
Nur Haryani Zakaria ◽  
Zahurin Mat Aji
Keyword(s):  
Cloud Computing ◽  
Structural Equation ◽  
Regulatory Policy ◽  
Developed Countries ◽  
Partial Least Square ◽  
Least Square ◽  
Security And Privacy ◽  
Relative Advantage ◽  
Least Developed Countries ◽  
Cloud Computing Adoption

Cloud-based technology, which is now well established, helps in reducing costs and providing accessibility, reliability and flexibility. However, the Yemen higher educational institutions (HEIs) have not yet embraced the technology due to security and privacy concerns, lack of trust, negative cultural attitudes (i.e., tribalism), and most importantly, lack of digital devices experience in educational settings as well as lack of knowledge and technical know-how. Thus, this study proposes a conceptual model of cloud computing adoption in Yemen HEIs by investigating the influence of technology, organization and environment (TOE) factors. In addition, this study investigates the moderating effect of tribalism culture in the relationships between the identified factors and cloud computing adoption. The study employed the quantitative approach to determine the factors that influence cloud computing adoption in Yemen HEIs through a questionnaire survey. Data were collected from 328 respondents in 38 HEIs and analyzed using partial least square (PLS) structural equation modelling (SEM). The results indicate that relative advantage, reliability, compatibility, security, technology readiness, top management support, regulatory policy and competitive pressure have positive significant impacts on the cloud computing adoption, except tribalism culture with negative significant impact. The study also found that tribalism culture moderates the relationship between compatibility, reliability, security, relative advantage, regulatory policy and cloud computing adoption. This study contributes to the TOE adoption model by including the cultural factor as a moderator towards cloud computing adoption in Yemen HEIs. The study also provides a model and insights for HEIs, technology consultants, vendors and policy makers in better understanding of the factors that influence cloud computing adoption in least developed countries (LDCs), specifically, Yemen.

scholarly journals Factors Affecting Users’ Acceptance of E-Billing System in Surakarta Tax Office

2018 ◽  
Vol 9 (1) ◽  
pp. 37
Author(s):  
Rino Ardhian Nugroho ◽  
Arlyn Dewi Susilowati ◽  
Okki Chandra Ambarwati ◽  
Arum Pratiwi
Keyword(s):  
Structural Equation ◽  
Partial Least Square ◽  
Least Square ◽  
Unified Theory ◽  
Factors Affecting ◽  
Utaut Model ◽  
Billing System ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Facilitating Conditions

This research aimed to analyze factors that affected the acceptance of e-billing system of Surakarta tax office with Unified Theory of Acceptance and Use of Technology (UTAUT) model. The survey was done on electronic billing (e-billing) system users in Surakarta. Partial Least Square-Structural Equation Modelling (PLSSEM) was used to analyze the users’ intention in adopting e-billing system. The result indicates that two UTAUT variables (performance expectancy and social influence) affect the system usage significantly. Meanwhile, the other variables like effort expectancy and facilitating conditions do not affect e-billing system adoption in Indonesia.

scholarly journals Students Acceptance of Google Classroom: An Exploratory Study using PLS-SEM Approach

2018 ◽  
Vol 13 (06) ◽  
pp. 112 ◽  
Author(s):  
Rana A. Saeed Al-Maroof ◽  
Mostafa Al-Emran
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Equation Model ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Perceived Ease Of Use ◽  
Online Questionnaire ◽  
Actual Usage

Google classroom can work in unidirectional process as it can serve the teachers’ strategies and styles on one hand and students’ perception, understanding, and effective participation in different classroom skills on the other hand. The ac-ceptance of Google classroom is affected by different factors. Some of them are still not clearly specified and discussed in previous research; therefore, they need further investigation. Based on the previous assumption, this study is an attempt to examine the factors that affect the students’ acceptance of Google classroom at Al Buraimi University College (BUC) in Oman. The Technology Acceptance Model (TAM) was adopted to formulate the hypotheses of the current study. The data was collected through an online questionnaire with 337 respondents. The Partial Least Square-Structural Equation Model (PLS-SEM) approach was used to assess both the measurement and structural models. The results of the study prove that both the perceived ease of use (PEOU) and perceived usefulness (PU) positively influence the behavioral intention, which in turn influence the actual usage of Google classrooms. This study helps the decision makers of the higher educational institutions to have a better understanding of the effectiveness of us-ing Google classroom by their students. It is assumed that it helps in measuring the level of students’ acceptance to the previously mentioned technology.

scholarly journals Application of Blockchain for Supply Chain Financing: Explaining the Drivers Using SEM

2021 ◽  
Vol 7 (3) ◽  
pp. 167
Author(s):  
Mohammad Rokibul Kabir ◽  
Md. Aminul Islam ◽  
Marniati ◽  
Herawati
Keyword(s):  
Supply Chain ◽  
Technology Acceptance ◽  
Structural Equation ◽  
Research Work ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Innovation Research ◽  
Supply Chain Financing ◽  
The Impact

Owing to the lack of research in emerging Asian nations, this research aimed to unearth the determinants of blockchain acceptance for supply chain financing by a Bangladeshi financing company called IPDC. Centred on a technology acceptance framework called UTAUT (unified theory of acceptance and use of technology) and open innovation research, an expanded model with a mediating variable is developed for this study. This research work employs the deductive inference method in conjunction with the positivism paradigm. A structural questionnaire was used to gather data, which were then processed through Smart-PLS (partial least square) for SEM (structural equation modeling). The survey includes all the people who are directly or indirectly involved in the supply chain financing platform of IPDC. The study consists of seven direct hypotheses and one mediating hypothesis. The results show that all the direct hypotheses except the impact of social influence on the behavioural intention to use (BINTU) blockchain are significant. The mediating hypothesis indicating the role of BINTU in the relationship between facilitating conditions (FCON) and the actual use of blockchain is also supported. FCON and BINTU together explain 88.7% variation in blockchain use behaviour for supply chain financing. The research advances past findings by employing an expanded UTAUT framework and validating observations with the other relevant studies throughout the world.

Modeling the Factors that Influence Ghanaian Entrepreneurs to Adopt e-Commerce

2021 ◽  
Vol 18 (06) ◽  
Author(s):  
Frederick Pobee
Keyword(s):  
Structural Equation ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Unified Theory ◽  
Cross Sectional ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Facilitating Conditions

This study investigated the factors that influence Ghanaian entrepreneurs to adopt e-commerce. Cross-sectional data was gathered from 520 entrepreneurs in the most populous and industrious regions in Ghana. The unified theory of acceptance and use of technology (UTAUT) was employed to effectively understand the unexplored phenomenon of e-commerce adoption among Ghanaian entrepreneurs. Partial Least Square-Structural Equation Modeling (PLS-SEM) was used to test the hypothesized relationships. The findings indicate that performance expectancy, effort expectancy, and social influence (SI) positively and significantly influenced the behavioral intention (BI) to adopt e-commerce. Facilitating conditions (FC) and BI had a significant positive relationship with the adoption of e-commerce.

scholarly journals Correlating Affective Commitment with Prosocial Behavior: Does Perceived Meaningfulness at Work Matter?

2021 ◽  
Vol 36 (68) ◽  
pp. 112-125
Author(s):  
Orlando Enrique Contreras-Pacheco ◽  
Carlos Enrique Vecino-Arenas ◽  
Juan Camilo Lesmez-Peralta
Keyword(s):  
Prosocial Behavior ◽  
Latin American ◽  
Structural Equation ◽  
Affective Commitment ◽  
Developed Countries ◽  
Partial Least Square ◽  
Least Square ◽  
Cross Sectional Survey ◽  
For Profit ◽  
Professional Employees

The present work studies the engagement of prosocial behavior as an antecedent of affective commitment within for-profit organizations. In order to accomplish this, the work focuses on the role of positive feelings. It tests a partial least square-structural equation model using a cross-sectional survey of 144 professional employees from several Colombian industries. Results obtained show that prosocial behavior is associated with affective commitment, but only with the intervention of meaningfulness at work. These associations provide insight into professional employees’ attitudes towards the search for intrinsic motivation and engagement in for-profit organizational environments. Further implications revolve around the justification for working on practices that not only found and foster prosocial behavior in the workplace but also promote skill variety, task identity, and task meaningfulness to obtain adequate levels of engagement and commitment. Finally, since most studies have been conducted in developed countries, this study also contributes to a better understanding of the topic in previously unexplored contexts. In this case, a Latin American emerging economy, like Colombia.

Analisis Bibliometrik Perkembangan Penelitian Penggunaan Pembayaran Seluler Dengan Vosviewer

2021 ◽  
Vol 16 (1) ◽  
pp. 10-17
Author(s):  
Femmy Effendy ◽  
Vanessa Gaffar ◽  
Ratih Hurriyati ◽  
Heny Hendrayati
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Structural Equation ◽  
Equation Model ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Mobile Payment ◽  
Microsoft Excel ◽  
Acceptance Model

Penelitian ini mengkaji perkembangan penelitian dengan topik penggunaan pembayaran seluler mobile payment, e-wallet. Kajian bertujuan untuk mengetahui: (1) perkembangan jumlah publikasi internasional bidang penggunaan pembayaran seluler mobile payment, w-wallet pada database Scopus dari tahun 2016 -2020; (2) jurnal inti dalam publikasi internasional penggunaan pembayaran seluler mobile payment, e-wallet (3) peta perkembangan publikasi internasional penelitian bidang penggunaan pembayaran seluler mobile payment, e-wallet berdasarkan kata kunci (co-word). Pengumpulan data dengan cara melakukan penelusuran melalui scopus dengan kata kunci mobile payment, mobile, payment, e-wallet, electronic walet, dengan katagori article title, abstract, keywords dalam kurun waktu 2016 –2020. Data berupa jumlah publikasi pertahun, jurnal yang memuat artikel mobile payment, mobile, payment, e-wallet, electronic walet, dan subjek dianalisis menggunakan Microsoft Excel. Sedangkan untuk tren pemetaan topik dianalisis dengan menggunakan sofware VosViewer. Hasil penelitian menunjukkan bahwa perkembangan pertumbuhan tahun 2016 - 2020 yang terindek di Scopus tertinggi terjadi pada tahun 2020 yang mencapai 82 publikasi (30.5 %). Publikasi internasional terbanyak dipublikasikan pada jurnal IEE sebanyak 12 artikel. Hasil penelitian menunjukan bahwa topik penelitian tentang pembayaran seluler atau mobile payment atau e-wallet masih didominasi oleh penggunaan model teori Technology acceptance Model (TAM), Trust dan perceived usefulness masih menjadi variable penelitian terbanyak, pilihan penggunaan metode survey,dengan tools analisis Structural Equation Model (SEM) khususnya PLS (partial least square), didominasi secara geografis pada penelitian pada negara berkembang (developing Country). Untuk penelitian selanjutnya penulis menyarankan perlu adanya penambahan kata kunci agar lebih banyak hasil penelitian yang lebih akurat dan komprehensif.

Analisis Bibliometrik Perkembangan Penelitian Penggunaan Pembayaran Seluler Dengan Vosviewer

2021 ◽  
Vol 16 (1) ◽  
pp. 10-17
Author(s):  
Femmy Effendy ◽  
Vanessa Gaffar ◽  
Ratih Hurriyati ◽  
Heny Hendrayati
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Structural Equation ◽  
Equation Model ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Mobile Payment ◽  
Microsoft Excel ◽  
Acceptance Model

Penelitian ini mengkaji perkembangan penelitian dengan topik penggunaan pembayaran seluler mobile payment, e-wallet. Kajian bertujuan untuk mengetahui: (1) perkembangan jumlah publikasi internasional bidang penggunaan pembayaran seluler mobile payment, w-wallet pada database Scopus dari tahun 2016 -2020; (2) jurnal inti dalam publikasi internasional penggunaan pembayaran seluler mobile payment, e-wallet (3) peta perkembangan publikasi internasional penelitian bidang penggunaan pembayaran seluler mobile payment, e-wallet berdasarkan kata kunci (co-word). Pengumpulan data dengan cara melakukan penelusuran melalui scopus dengan kata kunci mobile payment, mobile, payment, e-wallet, electronic walet, dengan katagori article title, abstract, keywords dalam kurun waktu 2016 –2020. Data berupa jumlah publikasi pertahun, jurnal yang memuat artikel mobile payment, mobile, payment, e-wallet, electronic walet, dan subjek dianalisis menggunakan Microsoft Excel. Sedangkan untuk tren pemetaan topik dianalisis dengan menggunakan sofware VosViewer. Hasil penelitian menunjukkan bahwa perkembangan pertumbuhan tahun 2016 - 2020 yang terindek di Scopus tertinggi terjadi pada tahun 2020 yang mencapai 82 publikasi (30.5 %). Publikasi internasional terbanyak dipublikasikan pada jurnal IEE sebanyak 12 artikel. Hasil penelitian menunjukan bahwa topik penelitian tentang pembayaran seluler atau mobile payment atau e-wallet masih didominasi oleh penggunaan model teori Technology acceptance Model (TAM), Trust dan perceived usefulness masih menjadi variable penelitian terbanyak, pilihan penggunaan metode survey,dengan tools analisis Structural Equation Model (SEM) khususnya PLS (partial least square), didominasi secara geografis pada penelitian pada negara berkembang (developing Country). Untuk penelitian selanjutnya penulis menyarankan perlu adanya penambahan kata kunci agar lebih banyak hasil penelitian yang lebih akurat dan komprehensif.

ANALISIS BIBLIOMETRIK PERKEMBANGAN PENELITIAN PENGGUNAAN PEMBAYARAN SELULER DENGAN VOSVIEWER

2021 ◽  
Vol 16 (1) ◽  
pp. 10-17
Author(s):  
Femmy Effendy ◽  
Vanessa Gaffar ◽  
Ratih Hurriyati ◽  
Heny Hendrayati
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Survey Methods ◽  
Equation Model ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Mobile Payment ◽  
Mobile Payments ◽  
Acceptance Model

This study examines trends in research developments with the topic of the use of mobile payments, e-wallets. The study aims to determine: (1) the development of the number of international publications on the use of mobile payments, w-wallets on the Scopus database from 2016-2020; (2) core journals in international publications on the use of mobile payment mobile payments, e-wallets (3) maps of development of international research publications in the field of use of mobile payment mobile payments, e-wallets based on keywords (co-word). The data was collected by searching through Scopus with the keywords mobile payment, mobile, payment, e-wallet, electronic swallow, with the categories article title, abstract, keywords in the period 2016-2020. Data in the form of number of publications per year, journals containing articles on mobile payment, mobile, payment, e-wallet, electronic swallow, and subjects were analyzed using Microsoft Excel. Meanwhile, the topic mapping trend was analyzed using the VosViewer software. The results showed that the highest growth in 2016-2020 indexed in Scopus occurred in 2020 which reached 82 publications (30.5%). Most international publications are published in IEE journals with 12 articles. The results show that the research topic of mobile payments or e-wallets is still dominated by the use of the Technology Acceptance Model (TAM) theory, Trust and perceived usefulness are still the most research variables, the choice of using survey methods, with Structural Equation Model analysis tools. (SEM) especially PLS (partial least square), is dominated geographically in research in developing countries. For further research, the authors suggest the need for additional keywords so that more research results are more accurate and comprehensive.

Tourism destination competitiveness and tourism performance

2019 ◽  
Vol 29 (5) ◽  
pp. 592-621 ◽  
Author(s):  
Mohd Hafiz Hanafiah ◽  
Muhammad Izzat Zulkifly
Keyword(s):  
Structural Equation ◽  
Secondary Data ◽  
Partial Least Square ◽  
Least Square ◽  
Tourism Destination ◽  
Actual Performance ◽  
Content Type ◽  
Factors Affecting ◽  
Travel And Tourism ◽  
Destination Competitiveness

Purpose This study aims to examine the relationships between tourism destination competitiveness (TDC) determinants and tourism performance. This study specifically assessed the soundness of the TDC attributes and evaluated their ability in explaining tourism performance. Design/methodology/approach The Dwyer and Kim’s (2003) destination competitiveness integrated model (IM) was used. Secondary data of 115 nations available from the Travel and Tourism Competitiveness Index (TTCI) and other international reports were also used. The hypothesised relationships were tested via partial least square-structural equation modelling (PLS-SEM). Findings This study confirms that the core resources, complementary condition, globalisation and tourism price significantly explain tourism performance. Results have shown differences in the competitiveness level and actual performance among nations, highlighting specific limitations of the current TDC model and TTCI report reliability. Research limitations/implications Future study could segment the sample base on destinations characteristic and then analyse it based on smaller sub-samples of similar destinations. Moreover, drivers of destination performance in developed and less develop destinations are quite diverse. Practical implications The incorrect competitiveness ranking evaluation will affect inward investment decisions. This study framework enables policymakers to arrive at more informed decisions than merely relying on the original competitiveness rankings. Originality/value The widespread acknowledgment of the importance of competitiveness for a tourism destination's success suggests that there is a crucial need for sound benchmarking of countries’ competitive capabilities. The proposed competitiveness determinants aid the policymakers in identifying the best competitiveness and tourism performance predictors, as well as how to identify crucial factors affecting the rankings.

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