scholarly journals Acceptance and Penetration of Bitcoin: The Role of Psychological Distance and National Culture

SAGE Open ◽  
2019 ◽  
Vol 9 (3) ◽  
pp. 215824401986581 ◽  
Author(s):  
Juneman Abraham ◽  
Dian Utami Sutiksno ◽  
Nuning Kurniasih ◽  
Ari Warokka
Keyword(s):  
National Culture ◽  
Perceived Risk ◽  
Theoretical Models ◽  
Physical Distance ◽  
Ease Of Use ◽  
Perceived Ease Of Use ◽  
Security Threat ◽  
Individual Level ◽  
Number Of Factors ◽  
Predictive Strength

Previous studies showed that a number of factors play roles in influencing Bitcoin penetration and acceptance, both at country and individual level, such as trust, perceived risk, security threat, perceived benefit, perceived ease of use, as well as macro-technological and socioeconomic factors. This present study aimed at finding theoretical models at the macro- and microlevels that are able to explain the penetration and acceptance. Study 1 examined hypotheses on the predictive relationship between national cultural orientation and Bitcoin penetration involving 60 countries. Study 2, using a construal level perspective, tested the predictive strength of psychological distances against Bitcoin acceptance, involving 565 Indonesians ( Mage = 28.88 years, SDage = 12.482 years). The results showed that national culture of individualism, uncertainty avoidance, and long-term orientation are able to predict the penetration. Spatial/physical distance, social distance, and hypothetical distance are able to predict the acceptance. This research is pivotal in obtaining the fundamental factors of community vulnerability in accepting and endorsing new e-money, i.e. Bitcoin. Monetary policy is expected to consider cultural and psychological factors in intervening against economic–technological disruptive innovations developing among societies.

Using Technology Acceptance Model to Study Customers’ Perception Towards Green Banking

Think India ◽  
2019 ◽  
Vol 22 (3) ◽  
pp. 402-409
Author(s):  
Deepak Shrivastava ◽  
Apurva Shrivastava ◽  
Gyan Prakash
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Risk ◽  
New Technology ◽  
Banking System ◽  
Point Of View ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Acceptance Model

Tech-friendliness in this new era is an important quotient considered and the persons’ acceptance towards the technology frequency matters a lot. But still the frequency varies from person to person, this brought in the concept of Technology Acceptance Model given by Fred Davis in 1989. The theory of TAM is based on two theories that are Theory of Reasoned Action and Theory of Planned Behavior, TAM is extended version of these two. Green Banking is a new technology introduced by the banks that focuses on the growth of Sustainable development and Banking system too. Thus, banks ask their customers to use it or practice it in their daily life transactions. But every customer has their own point of view on the usage of Green banking. Thus, the research aims to understand the customers’ perception towards the Green Banking for this TAM is used. The research states that Perceived risk is the primary factor that is followed by perceived usefulness and perceived ease of use that impacts the decision to use green banking. Thus, the behavioral intention results in actual use of green banking usage for which people are trying to accept the new technology. So, the banks have earned points for creating awareness among their customers but still they have to work hard and clarify their customers’ problems and vanish that hitch that is stopping them to use green banking easily.

A Study on Behavior Intention to Adopt Mobile Banking Apps

2021 ◽  
Vol 13 (2) ◽  
pp. 60-72
Author(s):  
Phan Dai Thich
Keyword(s):  
Social Influence ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Influential Factor ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Behavior Intention ◽  
Intention To Adopt ◽  
Tam Model

This study aims to examine the factors influencing consumers' behavior intention to adopt mobile banking apps. The research uses the TAM model with additional variables such as social influence and perceived risk to evaluate how these factors impact the behavior intention of young customers toward adopting mobile banking services. PLS-SEM was used as the main research method. The findings from this paper reaffirmed that perceived usefulness and social influence are the most influential factor in behavior intention, but perceived ease of use and perceived risk showed insignificant impacts on young consumers' behavior intention in Vietnam. This paper also found that perceived ease of use had no direct impact on behavior intention but an indirect impact through facilitating perceived usefulness. This subject makes a practical and academic contribution in the context of a developing country where is lacking research in mobile banking apps.

scholarly journals Pengaruh Persepsi Kemudahan Penggunaan, Manfaat Dan Risiko Terhadap Minat Menggunakan Uang Elektronik Di Surabaya

2020 ◽  
Vol 17 (2) ◽  
Author(s):  
Hendra Prasetya ◽  
Scenda Erka Putra
Keyword(s):  
Perceived Risk ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Ease Of Use ◽  
Public Understanding ◽  
Perceived Benefits ◽  
Perceived Ease Of Use ◽  
Electronic Money ◽  
Analysis Technique ◽  
Negative Effect

The problem examined in this study is whether the perceived ease of use, perceived benefits and perceived risk partially have asignificant effect on the interest in using electronic money in Surabaya. This study aims to determine the significance of the effect of perceived ease to use, perceived benefits and perceived risk of interest in using electronic money in Surabaya. There are three independent variable studied, namely perceived ease to use, perceived benefits and perceived risk. The dependent variable is interest in using. The population is people in Surabaya who know electronic money. Determination of the sample using purposive sampling with criteria at minimal 18 year old and using electronic money. The number sample processed was 94 samples. The analysis technique uses multiple linear regression analysis. The hypothesis testing using t test. The result is that perceived ease of use and perceived benefits partially have a significant positive effect and risk perception has a significant negative effect on interest in using electronic money in Surabaya. The implication is that electronic money issuers should continue to innovate electronic money by increasing or adding service features found in application on smartphones and making their operation easier and opening more places to fill electronic money. Public understanding of electronic money needs to be improved again.

scholarly journals Investigasi Faktor Yang Mempengaruhi Behavioral Intention Pada Pengguna Grab Bike

2019 ◽  
Vol 3 (2) ◽  
pp. 94
Author(s):  
Sulaiman Sulaiman ◽  
Zainal Abidin ◽  
Suharno Suharno
Keyword(s):  
Structural Equation Modeling ◽  
Behavioral Intention ◽  
Perceived Risk ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Software Analysis

Tujuan penelitian ini mengetahui pengaruh behavioral intention (BI) terhadap transportasi online grab bike dengan menggunakan variabel trust, perceived ease of use (PEOU), perceived risk (PR) dan perceived usefulness (PU). Sebanyak 161 orang menjadi responden dalam penelitian ini dengan cara mengisi kuesioner. Data yang diperoleh kemudian dianalisis menggunakan alat analisis Structural Equation Modeling (SEM) dengan menggunakan software analysis of moment structure (AMOS). Setelah dilakukan penelitian diperoleh hasil bahwa PR berpengaruh signifikan terhadap trust, PEOU  berpengaruh signifikan terhadap trust, PU berpengaruh signifikan terhadap trust. Begitu pula pengaruh PR signifikan terhadap behavioral intention, PEOU, PU signifikan terhadap behavioral intention, serta trust signifikan terhadap behavioral intention.

Mobile payment adoption process: a serial of multiple mediation and moderation analysis

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Wanny Oentoro
Keyword(s):  
Social Influence ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Multiple Mediation ◽  
Content Type ◽  
The Relationship

Purpose Global digital payment transactions increase continuously. Due to the inconsistencies that occurred across the research findings, past researchers have called for further investigation to verify and empirically test the mobile payment acceptance model. The purpose of this paper is to develop an integrative model that is derived from the multiple technology acceptance models (TAM)’s a theoretical framework and past literature to understand how consumers decided to adopt mobile payment. By simultaneously testing mechanisms, namely, ease of use, usefulness and risk, the current study will be able to advance scholarly knowledge of the underlying consumer’s attitude and behavior that link social influence to intention to use. Design/methodology/approach A total of 370 valid responses were collected using self-administered questionnaires distributed via online platforms, a representative for Thai consumers. An ordinary least square regression and bootstrap analyzes were conducted through PROCESS Macro to analyze the moderated serial-multiple mediation model in the consecutive inducing of social influence, perceived ease of use, perceived usefulness and perceived risk toward the consumer’s intention to use mobile payment. Findings Within the context of consumers evaluating a mobile payment, statistics significant were found for the hypothesized direct and indirect effects of perceived ease of use and perceived usefulness on an intention to use. The results showed that Thai consumers’ intention to use mobile payment was significantly affected by their attitudes in terms of usefulness and the less complication in using the applications. It is confirmed that social influence indirectly affects intention to use via the increase of perceived ease of use and perceived usefulness. The study also found a significant interaction between perceived risk and perceived usefulness toward intention to use. Practical implications It is recommended to service providers to continue improving the user-friendliness, navigation, integrity and furnish the system with more value-added activities within the mobile payment application. It is also essential for the company to deliver tutorials and clear and easy-to-follow instructions to customers. At the same time, the marketer should develop marketing strategies to promote the usefulness and simplicity of using the applications to the consumers. When consumers experienced the easiness and usefulness of the applications, these could overcome the resistance feeling to use due to the concern on any potential risk. Originality/value The study contributes to the existing body of knowledge on consumer usage behavior and TAM by integrating all important variables and developed a parsimony framework to explain consumers’ usage adoption on mobile payment. Moreover, the current study was the very first that proposed and tested a serial of multiple mediations of perceived ease of use and perceived usefulness, moderated by perceived risk, in the relationship between social influence and consumers’ intention to use mobile payment and discovered a moderating role of perceived risk toward the relationship between perceived usefulness and mobile payment usage intention.

Technology Acceptance Model Modification for Electronic Wallet Users in Jakarta

2021 ◽  
Vol 26 (1) ◽  
pp. 17-24
Author(s):  
Almi Budiman ◽  
◽  
Baruna Hadibrata ◽  
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Perceived Ease Of Use ◽  
Perceived Trust ◽  
Money Transfers ◽  
Acceptance Model

Introduction. The development of mobile payment in Indonesia is increased, especially by the emergence of the two biggest electronic payments, such as Go-Pay and Ovo, which aggressively offer various interesting offers. This affects the enhancement of the use of mobile payment by the public. In the beginning, server-based electronic money services of its appearance were still small, including credit top-up and internet data, and money transfers to banks that include as a member of ATM Bersama (joint ATM). Along with the development of technology, electronic wallets begin to transform by expanding payment services, and several latest e-wallet applications have emerged. Purpose. The purpose of this research is to understand the changes in consumers’ behavior that make payments from using cash and switching to electronic wallets. Results. The results of the analysis in this study were obtained as the below: (1) Perceived ease of use, perceived usefulness, perceived security, and perceived risk and trust have an influence on the intention to use e-wallet electronic application; (2) perceived ease of use and perceived risk have an influence on perceived usefulness of e-wallet user and (3) perceived ease of use, perceived risk, and perceived usefulness influence the perceived trust of e-wallet application users. Conclusions. It can be concluded that the technology acceptance model influences the user in using the electronic wallet as their transaction method since its usage can be trusted. Moreover, the benefit they got from electronic wallet (perceived usefulness) influence their trust and increase the intention of using an electronic wallet

A Holistic Model Proposal to Better Understand Mobile Purchases

2021 ◽  
Vol 17 (3) ◽  
pp. 84-97
Author(s):  
Sinda Agrebi
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Risk ◽  
Purchase Intention ◽  
Mobile Internet ◽  
Ease Of Use ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Holistic Model ◽  
Acceptance Model

This research suggests a model to explain mobile purchase intention via smartphones based on the technology acceptance model to which specific variables to the m-commerce context were added: perceived risk, innovativeness, ubiquity, and trust in mobile internet. To that aim, a quantitative study was conducted with 400 French mobile users (200 buyers and 200 non-buyers) and was based on a purchase simulation of a train ticket on a mobile site up to the point of payment. The results show that the usefulness (explained by the innovativeness, the ubiquity and trust toward mobile Internet) and the perceived risk (explained by the innovativeness) have an impact on the intention to use unlike the perceived ease of use.

Government Services in Outlying Regions

2015 ◽  
pp. 726-740
Author(s):  
Sehl Mellouli ◽  
Anne Chartier ◽  
Marie-Christine Roy ◽  
Diane Poulin
Keyword(s):  
Perceived Risk ◽  
Urban Areas ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Online Services ◽  
Government Services ◽  
Traditional Service ◽  
The Government ◽  
Outlying Regions

E-government offers the potential to provide easy and flexible access to a vast array of government services, particularly in outlying regions where traditional service centers are scarce and costly. However, past research shows that online services use decreases in non-urban areas. The objective of this chapter is to identify factors that influence the use of e-government services in outlying regions. In the delivery of any government services, there are two parties: citizens and the government. Hence, in order to better identify these factors, we conducted our study from two points of view: the citizens' and the government's managers. These results show that attitude positively affects intention to use e-government services. From the citizens' perspective, attitude is in turn influenced by perceived usefulness, perceived ease of use, perceived risk, and trust. From the managers' perspective, several social, economic, demographic, and psychological factors should be considered for the development of online services.

Customers’ Perspectives of Internet Banking Adoption in Developing Economies

2014 ◽  
pp. 191-205
Author(s):  
G. Varaprasad ◽  
R. Sridharan ◽  
Anandakuttan B. Unnithan
Keyword(s):  
Perceived Risk ◽  
Service Sector ◽  
Banking Sector ◽  
Developing Economies ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Relative Advantage ◽  
Perceived Ease Of Use ◽  
Customer Base

The competition in the banking sector has increased dramatically from the past decade. This increased competition environment in the financial service sector has resulted in the development and utilization of alternative delivery channels. The advancements and revolutions in the communication and information technology have changed the functional scenario of the banking sector significantly. Internet banking is a novel delivery channel of banking and has been found to be an optional channel for the traditional banking because of the savings in time, money and effort. Banks have become more and more competitive to meet the customers demand for ease of use, functionality, relative advantage, greater accessibility and the best of the services at a lower price. The objective of this study is to investigate the factors which influence the adoption of Internet banking adoption in private sector banks of India. Factors such as perceived usefulness, perceived ease of use, perceived risk, relative advantage and trialability have been found to be the determinants of Internet banking in the previous studies. A new variable called conspicuousness has been introduced in the present study. Such a study has not been reported in the literature in the Indian context. A model has been proposed and tested using various statistical techniques. The findings are of great use primarily for the banks which are planning to offer Internet banking services, and for already existing banks to focus on the gaps. This research article provides valuable insights into the underlying contextual factors of Internet banking behavior for researchers and practitioners. The outcome of the study can be used to formulate new marketing strategies to increase the customer base of Internet banking market.

The Moderating Role of Language on Perceived Risk and Information-Processing Online

2015 ◽  
pp. 320-345
Author(s):  
Juan Miguel Alcántara-Pilar ◽  
Salvador del Barrio-García ◽  
Esmeralda Crespo-Almendros ◽  
Lucia Porcu
Keyword(s):  
Information Processing ◽  
Cultural Values ◽  
Perceived Risk ◽  
Mother Tongue ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Cultural Dimension ◽  
Perceived Ease Of Use ◽  
Information Processing Model ◽  
Final Sample

The present study analyzes whether the cultural values associated with a given language affect perceived risk online and information-processing by website users. We propose an information-processing model for the online context in which perceived risk online is an antecedent and consumer loyalty towards the service is the ultimate outcome. We chose a processing language (Spanish vs. English) between-subjects experimental design. The final sample comprised 227 individuals, 52% of whom browsed the site in their mother tongue, and 48% in a second language. The results demonstrated that the cultural dimension ‘uncertainty avoidance' moderates the effect of perceived risk on perceived ease of use and usefulness. Attitude towards the website is influenced by perceived ease of use or perceived usefulness, depending on whether the language used to process the information on the site conveys cultural values with a shorter or longer-term orientation.

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