Factors Influencing the Adoption of Payment Banks in India Using an Extended TAM

2021 ◽  
pp. 2319510X2110135
Author(s):  
Japneet Kaur ◽  
Sawraj Kaur ◽  
Amanjot Singh Syan ◽  
Rishi Raj Sharma
Keyword(s):  
Social Influence ◽  
Technology Acceptance ◽  
Self Efficacy ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Initial Trust ◽  
Behavioural Intentions ◽  
Facilitating Conditions

The purpose of this study is to investigate the factors that shape behavioural intentions of customers towards the adoption of payment banks in India. The conceptual framework of study is based upon integration of technology acceptance model with initial trust, facilitating conditions and social influence. Further, the study tests the moderating role of age, income and self-efficacy on the relationships between dependent variable and associated predicted variable. A total of 507 responses were collected from the state of Punjab (India), using convenient sampling technique and were analysed using the structural equation modelling (SEM). The results revealed that perceived ease of use had the highest impact on the behavioural intentions, followed by initial trust and social influence. Facilitating conditions and perceived usefulness showed lower impact on the behavioural intentions towards the adoption of payment banks. Also, moderation analysis revealed that self-efficacy moderates the relation of perceived ease of use and perceived usefulness with behavioural intentions. Results imply that marketers should collaborate with developers to provide the customers with easy-to-operate solutions along with robust customer support mechanism to escalate the adoption intention of those having lower self-efficacy levels.

Factors influencing IT Adoption by Bank Employees: An Extended TAM Approach

2013 ◽  
Vol 38 (4) ◽  
pp. 83-96 ◽  
Author(s):  
Rupanjali Nath ◽  
Kanika T Bhal ◽  
Geetika T Kapoor
Keyword(s):  
Social Influence ◽  
Technology Acceptance ◽  
Self Efficacy ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Behavioural Intention ◽  
Perceived Ease Of Use ◽  
Tam Model ◽  
Bank Employees ◽  
Computer Self Efficacy

The use of Information Technology (IT) in the banking sector has seen a phenomenal growth in India. For its effective use and implementation, employees' acceptance and the consequent use of IT are important. Davis' Technology Acceptance Model (TAM) (1989) explains users' acceptance of electronic systems. By applying the extended TAM approach to this study, the authors aim to uncover various factors that affect the attitude and acceptance of bank employees towards CBS. The TAM model identifies perceived usefulness (PU), and perceived ease of use (PEU) as impacting attitude towards IT and behavioural intention. The model is extended by identifying social influence, computer self-efficacy, and technological facility as factors affecting perceived usefulness and perceived ease of use. The target respondents for this study were bank employees from the public and private sectors banks (State Bank of India, Union Bank, Bank of India, ICICI Bank, and Axis Bank) situated in the National Capital Territory (NCT) of Delhi. Measurement items applied in this study were an adaptation of previously validated measures or were developed on the basis of a literature review. Responses were analysed using the 7-point Likert Scale that ranged from (1) ‘strongly disagree’ to (7) ‘strongly agree’. To test the reliability of the measures, a pilot study was conducted with 20 randomly chosen employees and modified scales. Structural equation modelling was used to analyse the data. Overall, the findings suggest that extended TAM variables positively influence the intention and usage behaviour through PU and PEU. That is, social influence enhances perceived usefulness; and computer self-efficacy and technology facility influence the perceived ease of use. Again, perceived ease of use significantly influences perceived usefulness which in turn has significant effect on behavioural intention and usage behaviour. Social influence of superiors was the prominent determinant of perceived usefulness of the CBS technology. Hence the role of managers as effective communicators is heightened especially in conveying the benefits of using IT and in turn achieving organizational goals.

scholarly journals Structural Equation Modeling for Mobile Learning Acceptance by University Students: An Empirical Study

2020 ◽  
Vol 12 (20) ◽  
pp. 8618
Author(s):  
Quadri Noorulhasan Naveed ◽  
Mohammad Mahtab Alam ◽  
Nasser Tairan
Keyword(s):  
University Students ◽  
Social Influence ◽  
Technology Acceptance ◽  
Mobile Learning ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Mobile Learning Acceptance ◽  
Facilitating Conditions

Advanced mobile devices and global internet services have enhanced the usage of smartphones in the education sector and their potential for fulfilling teaching and learning objectives. The current study is an attempt to assess the factors affecting mobile learning acceptance by Saudi university students. A theoretical model of mobile learning acceptance was developed based on the technology acceptance model (TAM) and the unified theory of acceptance and use of technology (UTAUT) model. Theoretically, five independent constructs were identified as most contributory towards the use of mobile learning and tested empirically. Data were collected through an online survey and analyzed using SmartPLS. The results of the study indicate that four constructs were significantly associated with mobile learning acceptance: perceived usefulness (β = 0.085, t = 2.201, and p = 0.028), perceived ease of use (β = 0.031, t = 1.688, and p = 0.013), attitude (β = 0.100, t = 3.771, and p = 0.037), and facilitating conditions (β = 0.765, t = 4.319, and p = 0.001). On the other hand, social influence was insignificant (β = −0.061, t = 0.136, and p = 0.256) for mobile learning acceptance. The contribution of social influence towards the use of mobile learning was negative and insignificant; hence, it was neglected. Thus, finally, four constructs (perceived usefulness, perceived ease of use, attitude, and facilitating conditions) were considered as important determinants of mobile learning acceptance by university students.

scholarly journals Investigating Users’ Continued Usage Intentions of Online Learning Applications

Information ◽  
2019 ◽  
Vol 10 (6) ◽  
pp. 198 ◽  
Author(s):  
Zhi Ji ◽  
Zhenhua Yang ◽  
Jianguo Liu ◽  
Changrui Yu
Keyword(s):  
Online Learning ◽  
Online Education ◽  
Technology Acceptance ◽  
Structural Equation ◽  
Research Field ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Acceptance Model ◽  
Facilitating Conditions

Understanding users’ continued usage intentions for online learning applications is significant for online education. In this paper, we explore a scale to measure users’ usage intentions of online learning applications and empirically investigate the factors that influence users’ continued usage intentions of online learning applications based on 275 participant data. Using the extended Technology Acceptance Model (TAM) and the Structural Equation Modelling (SEM), the results show that males or users off campus are more likely to use online learning applications; that system characteristics (SC), social influence (SI), and perceived ease of use (PEOU) positively affect the perceived usefulness (PU), with coefficients of 0.74, 0.23, and 0.04, which imply that SC is the most significant to the PU of online learning applications; that facilitating conditions (FC) and individual differences (ID) positively affect the PEOU, with coefficients of 0.72 and 0.37, which suggest that FC is more important to the PEOU of online learning applications; and that both PEOU and PU positively affect the behavioral intention (BI), with coefficients of 0.83 and 0.51, which indicate that PEOU is more influential than PU to users’ continued usage intentions of online learning applications. In particular, the output quality, perceived enjoyment, and objective usability are critical to the users’ continued usage intentions of online learning applications. This study contributes to the technology acceptance research field with a fast growing market named online learning applications. Our methods and results would benefit both academics and managers with useful suggestions for research directions and user-centered strategies for the design of online learning applications.

scholarly journals The Indirect Effect of Computer Self-Efficacy of E-Commerce Users on Intention to Use

2020 ◽  
Vol 3 (2) ◽  
pp. 75-85
Author(s):  
Tessa Vanina Soetanto ◽  
Adelina Proboyo ◽  
Prilya Angel Putri
Keyword(s):  
Technology Acceptance ◽  
Behavioral Intention ◽  
Self Efficacy ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
The Impact ◽  
Computer Self Efficacy

E-commerce market in Indonesia has tremendous growth and predicted to become significant contributor to Foreign Direct Investment. Millennials, heavily affected by technology and internet, considered to be the driver growth of e-commerce. Applying the theory of modified Technology Acceptance Model (TAM), this research analyzes whether perceived of ease of use and perceived usefulness mediate the impact of computer self-efficacy on the behavior of e-commerce users to use Lazada platform. The study was a quantitative study with online questionnaire. Data of 200 respondents were analyzed by Structural Equation Modelling and the result shows that computer self-efficacy indirectly affects behavioral intention to use through perceived ease of use. Perceived usefulness and attitude towards use are not significant mediators because of their insignificance on intention to use. Computer self-efficacy has significant impact on behavioral intention mediated by perceived ease of use, but not by perceived usefulness.

scholarly journals The effect of college students’ technology acceptance on e-commerce adoption

2021 ◽  
Vol 14 (1) ◽  
pp. 46-62
Author(s):  
Okto Aditya Suryawirawan
Keyword(s):  
Technology Acceptance ◽  
Undergraduate Students ◽  
Self Efficacy ◽  
Structural Equation ◽  
Online Survey ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Perceived Ease Of Use

This study aims to investigate e-commerce adoption using extended technology acceptance model (TAM) by adding self-efficacy and anxiety. The research samples included 233 undergraduate students were collected using an online survey form distributed through chat groups and social media. The collected data were analysed using partial least square-structural equation modelling (PLS-SEM) to investigate the proposed hypotheses in the model. This study found that self-efficacy has no impact towards perceived usefulness, self-efficacy has positive significant impact towards perceived ease of use, anxiety has no impact on both perceived usefulness and perceived ease of use, perceived usefulness has positive significant impact towards attitude, perceived ease of use has no impact towards attitude, perceived ease of use has positive significant impact on perceived usefulness, perceived usefulness has no impact towards e-commerce adoption, perceived ease of use has positive significant impact towards e-commerce adoption, and attitude has a positive significant impact towards e-commerce adoption. These findings further confirmed that TAM not only could be used to predict e-ticketing, e-learning, e-payment, and e-commerce purchase adoption but also e-commerce entrepreneurship. This study also further confirmed that the relationship between extended variable such as self-efficacy and anxiety with TAM variables might vary according to where the investigation was being held.

Expanding the Technology Acceptance Model to Examine Internet Banking Adoption in Tunisia Country

2013 ◽  
Vol 4 (4) ◽  
pp. 61-81 ◽  
Author(s):  
Wadie Nasri ◽  
Charfeddine Lanouar ◽  
Anis Allagui
Keyword(s):  
Social Influence ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Self Efficacy ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Security And Privacy ◽  
Perceived Ease Of Use ◽  
Acceptance Model

This paper aims to empirically examine the factors that affect the adoption of Internet banking in Tunisia. In order to explain the factors, this paper extends the “Technology Acceptance Model” by adding additional external factors such as security and privacy, self efficacy, social influence, and awareness of services and its benefits. The findings of the study suggests that the security and privacy, self efficacy, social influence, and awareness of services and its benefits have significant effects on the perceived usefulness (PU), perceived ease of use (PEOU) and attitude toward Internet banking acceptance. Age and education have also significant impact on the attitude towards the likelihood of adopting online banking. These findings may provide for banks useful guidelines for developing Internet banking services and for marketing Internet banking.

scholarly journals Exploring the factors that affect the intention to use collaborative technologies: The differing perspectives of sequential/global learners

2015 ◽  
Vol 31 (3) ◽  
Author(s):  
Yong-Ming Huang
Keyword(s):  
Learning Styles ◽  
Social Influence ◽  
Technology Acceptance ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Collaborative Technologies ◽  
Facilitating Conditions ◽  
Global Learners

The use of collaborative technologies in learning has received considerable attention in recent years, but few studies to date have examined the factors that affect sequential and global learners’ intention to use such technologies. Previous studies have shown that the learners of different learning styles have different needs for educational technologies. Accordingly, understanding the factors that affect the different types of learners’ intention to use collaborative technologies is an important issue. To this end, we add two external variables, facilitating conditions and social influence, to the technology acceptance model and then testing a number of hypotheses. Our results show that most of the hypotheses are supported, and further reveal that (1) attitude towards using is the most important determinant of students’ intention to use a collaborative technology, followed by social influence and facilitating conditions; (2) sequential learners are more concerned about perceived usefulness; (3) global learners are more concerned about perceived ease of use.

scholarly journals Modeling Mobile Commerce Applications’ Antecedents of Customer Satisfaction among Millennials: An Extended TAM Perspective

2021 ◽  
Vol 13 (11) ◽  
pp. 5973
Author(s):  
Atandile Ngubelanga ◽  
Rodney Duffett
Keyword(s):  
South Africa ◽  
Customer Satisfaction ◽  
Social Influence ◽  
Technology Acceptance ◽  
Structural Equation ◽  
Mobile Commerce ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Linear Modeling

The continued growth for both smartphone usage and mobile applications (apps) innovations has resulted in businesses realizing the potential of this growth in usage. Hence, the study investigates the antecedents of customer satisfaction due the usage of mobile commerce (m-commerce) applications (MCA) by Millennial consumers in South Africa. The conceptual model antecedents were derived from the extended Technology Acceptance Model (TAM). The research made use of self-administered questionnaires to take a cross section of Millennial MCA users in South Africa. The sample comprised of nearly 5500 respondents and the data was analyzed via structural equation and generalized linear modeling. The results revealed that trust, social influence, and innovativeness positively influenced perceived usefulness; perceived enjoyment, mobility, and involvement positively influenced perceived ease of use; and perceived usefulness and perceived ease of use were positive antecedents of customer satisfaction. Several usage and demographic characteristics were also found to have a positive effect on customer satisfaction. It is important for businesses to improve customer experience and satisfaction via MCA to facilitate a positive satisfaction and social influence among young technologically savvy consumers.

A Pathway to Technology Integration: Eliciting Consumer’s Behavioural Intention to Use Paytm Services

Paradigm ◽  
2021 ◽  
pp. 097189072110037
Author(s):  
Pooja Mehta ◽  
Himanshu Singla ◽  
Raiswa Saha ◽  
Shivani Tyagi
Keyword(s):  
Social Influence ◽  
Technology Acceptance ◽  
Perceived Risk ◽  
Structural Equation ◽  
Service Providers ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Cross Sectional

The present study integrates the technology acceptance model (TAM) and the innovation diffusion theory (IDT) for analysing consumers’ intention to make use of Paytm services. It is a cross-sectional study; the data was gathered from 259 Internet consumers. The statistical tools, including structural equation modelling (SEM), are applied to understand the inter-construct relationships. The intention to use Paytm is positively influenced by a perceived ease of use, perceived usefulness and social influence. Moreover, the moderating effects of perceived risk (PR) are found to be significant on the associations among social influence, perceived ease of use and Paytm usage intentions. This study will help digital wallet service providers (DWSP), who focus on identifying the important factors for accelerating the use of mobile wallets. The findings will also facilitate the government to devise ways for augmenting cashless fund movement in the economy. Besides explaining the phenomenon of Paytm usage intentions, the study reveals the moderating role of PR with respect to various antecedents, thereby filling the gap in the existing literature.

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.

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