Explaining the Factors Influencing Consumer Perception, Adoption Readiness, and Perceived Usefulness toward Digital Transactions: Online Retailing Experience of Millennials in India

2021 ◽  
Vol 4 (2) ◽  
pp. 202-223
Author(s):  
Sudhanshu Joshi ◽  
Manu Sharma ◽  
Priya Bisht ◽  
Sumanjeet Singh
Keyword(s):  
Personal Characteristics ◽  
Perceived Usefulness ◽  
North India ◽  
Factors Affecting ◽  
Intention To Adopt ◽  
Sense Of Security ◽  
Online Shoppers ◽  
Digital Transactions ◽  
The Relationship ◽  
Consumer's Perception

The present study intends to identify and evaluate the factors affecting the perception and readiness of young online shoppers regarding digital transactions. Thirty variables were identified through systematic literature review that can influence consumers’ perception of digital transactions. Data were collected from 525 millennials from north India. After performing factor analysis, five broad factors were identified namely (a) personal characteristics and incentives, (b) knowledge technical capability, (c) perceived usefulness, (d) sense of security, and (e) transaction risk, which affect the perception and intention as well as adaption of young consumers regarding the digital transactions. Using regression analysis, factors affecting consumer’s perception and readiness regarding digital transactions are modeled out. The study also examines the influence on intention to adopt digital transactions and the actual adaption of digital transactions. Further, the study concludes that consumer intention to make digital transactions mediates the relationship between factors of digital transactions and digital transaction adaption behavior.

scholarly journals FACTORS AFFECTING CUSTOMERS’ ACCEPTANCE OF THE ADOPTION OF BLOCKCHAIN TECHNOLOGY AT DONG A COMMERCIAL JOINT STOCK BANK, HUE BRANCH

2020 ◽  
Vol 129 (5A) ◽  
Author(s):  
Duong Dac Quang Hao ◽  
Tran Thai Hoa ◽  
Nguyen Huu Dung
Keyword(s):  
Structural Equation ◽  
Personal Characteristics ◽  
Influential Factors ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Integrative Model ◽  
Perceived Ease Of Use ◽  
Systematic Random Sampling ◽  
Factors Affecting ◽  
Blockchain Technology

Abstract: This study aims to develop and test the integrative model of the factors affecting customers’ acceptance intention of the adoption of blockchain technology. Data were collected from a sample of 195 customers who have been conducting transactions at Dong A Bank – Hue branch. Samples are selected by using the systematic random sampling method. Structural equation modelling (SEM) is used to test the hypothesized relationships. The findings indicate that six out of eight tested relationships are supported. Perceived usefulness (PU) and Perceived ease of use (PEU) are the most critical factors affecting customers’ Attitude (AT). Attitude also has a direct and positive correlation to customers’ acceptance Intention (IN). Notably, Personal characteristics (PC) and Risk perception (RP) are the two most influential factors affecting Perceived usefulness. And, the Perceived ease of use factor is only affected by customers’ Self-command (SC). In general, this study contributes to enriching the existing knowledge of blockchain adoption in banks and helps banks figure out an efficient way to adopt blockchain technology.Keywords: customers’ acceptance, blockchain adoption, Dong A Bank, Hue branch

Human insecurity and psychological well-being in migrants hosted in a Nigerian transit center: A qualitative exploration on risk and protective factors

2021 ◽  
pp. 002087282110342
Author(s):  
Guido Veronese ◽  
Diego Romaioli ◽  
Rachel Pancake ◽  
Marzia Vigliaroni
Keyword(s):  
Home Country ◽  
Well Being ◽  
African Countries ◽  
Psychological Well Being ◽  
Factors Affecting ◽  
Sense Of Security ◽  
Emerging Themes ◽  
Sub Saharan ◽  
Qualitative Exploration ◽  
The Relationship

Our explorative work aimed to qualitatively analyze the factors affecting human security and psychological well-being in a group of migrants temporarily hosted in a Nigerian transit center. The study involved 250 migrants from different Western and sub-Saharan African countries who were interviewed during their stay in International Organization for Migration – supported transit centers. Thematic content analysis was performed on the texts of the interviews. Motivations for departure from the home country, resources available for migrants’ sense of security, expectations for their future, experience in the host country, and the relationship between human insecurity and life satisfaction were the main emerging themes.

Factors affecting the intention to adopt light-emitting diode lighting at home

2020 ◽  
Vol 52 (8) ◽  
pp. 1020-1039 ◽  
Author(s):  
NI Jaafar ◽  
A Sulaiman ◽  
S Moghavvemi ◽  
FP Tajudeen ◽  
F Dehdar
Keyword(s):  
Light Emitting Diodes ◽  
Light Emitting Diode ◽  
Intention To Use ◽  
Factors Affecting ◽  
Light Emitting ◽  
Mediating Role ◽  
Intention To Adopt ◽  
Use Of Technology ◽  
The Relationship

This study investigates the significant factors affecting the adoption of light emitting diode lighting among households in Malaysia by conceptualizing and extending the unified theory of acceptance and use of technology through the adaptation of price value and the anticipated emotions of pride and guilt within the model. This study used the partial least squares technique to validate measurements and to test the research hypotheses. The results obtained from analysing 1075 valid survey questionnaires revealed the effects of performance expectancy, effort expectancy and price value on the intention to use light-emitting diodes among Malaysian households. While the results support the mediating role of attitude between the three variables and intention to use light-emitting diodes, the moderating role of anticipated pride on the relationship between attitude and intention to use light-emitting diodes was not supported. The findings confirm that guilt significantly moderates the relationship between attitude and intention.

scholarly journals Factors Affecting the Adoption of E-Commerce: An Evidence from Developing Country

2019 ◽  
pp. 86-90
Author(s):  
Shamma Nasser Mohammed Al Harizi ◽  
Shahrazad Omar Majid Al Marhoon
Keyword(s):  
Linear Regression ◽  
Social Presence ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Factors Affecting ◽  
Future Studies ◽  
Intention To Adopt ◽  
The People ◽  
Regression Test ◽  
Research Findings

This research aims to discover and determine the factors (perceived usefulness and social presence) that may affect the intention to use e-commerce. The data has been collected manually distributed questionnaire. The analysis of collected data was done by using diverse statistical methods for reliability and hypotheses test like Cronbach’s alpha and multiple linear regression test. The research findings revealed a significant statistical impact of perceived usefulness and social presence on the intention to use e-commerce which interprets (36.5%) of the variation in the customers’ intention to adopt e-commerce. Consequently, companies are advised to invest more on building the e-commerce infrastructure as well as enhancing the people awareness about e-commerce as the results shows that still a lot of respondents are not sure about the e-commerce. Moreover, future studies may try to investigate more variables that may affect the intention to adopt e-commerce through using different models.

scholarly journals Online Shoppers Acceptance An Exploratory Study

2018 ◽  
Author(s):  
Andysah Putera Utama Siahaan ◽  
Muhammad Dharma Tuah Putra Nasution
Keyword(s):  
Behavioral Intention ◽  
User Behavior ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Access To Information ◽  
Perceived Ease Of Use ◽  
Use Of Technology ◽  
Online Shoppers ◽  
Digital Transactions ◽  
Analysis Determination

Consumers are increasingly easy to access to information resources. Consumers quickly interact with whatever they will spend. Ease of use of technology an impact on consumer an attitude are increasingly intelligent and has encouraged the rise of digital transactions. Technology makes it easy for them to transact on an e-commerce shopping channel. Future e-commerce trends will lead to User Generated Content related to user behavior in Indonesia that tends to compare between shopping channels. The purpose of this study was to examine the direct and indirect effects of Perceived Ease of Use on Behavioral Intention to transact in which Perceived Usefulness is used as an intervening variable. The present study used the descriptive exploratory method with causal-predictive analysis. Determination method of research sample used purposive sampling. The enumerator team assists in the distribution of questionnaires. The results of the study found that the direct effect of perceived ease of use on behavioral intention to transact is smaller than that indirectly mediated by perceived usefulness variables.

scholarly journals Factors Affecting Bankers’ Behavioral Intention to Adopt Green Banking: An Empirical Analysis of Banks in Pakistan

2020 ◽  
Vol 6 (2) ◽  
pp. 835-843
Author(s):  
Owais Shafique ◽  
Maryam Khan
Keyword(s):  
Global Warming ◽  
Behavioral Intention ◽  
Industrial Revolution ◽  
Banking Sector ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Contributing Factors ◽  
Factors Affecting ◽  
Intention To Adopt

The global temperature has reached its highest level since the start of the industrial revolution, which is the major cause of global warming. Global warming has become one of the gravest problem now a days as it has considerable influences over markets, societies and economies. For sustainable environment management, remarkable efforts are carried out across the world and every institution is playing its role towards minimizing its impact on the environment. From financial institutions, banking sector is playing an important role in this regard. Banking sector has introduced a concept of Green Banking (GB). State Bank of Pakistan (SBP) has recently issued guidelines regarding the adoption of green banking. This study attempts to identify the factors which affect bankers’ intension to adopt green banking. This study would prove to be helpful in identifying the most influencing factors towards adoption of green banking practices and in developing policies towards its adoption in Pakistan. Structured questionnaire based on a 7 point Likert scale as used for data collection from a sample of 300 respondents. Regression analysis was used to check the association among the variables. The result of study shows that all independent variables of study have shown significant association with dependent variable. Which means to some extent every independent factor is playing role in affecting bankers’ behavioral intension to adopt green banking. Result shows that perceived usefulness and perceived ease of use contribute more in predicting the Attitude toward use, which along with effort expectancy and performance expectancy are major contributing factors towards behavioral intention to adopt green banking practices.

Mobile banking adoption in an emerging economy

2018 ◽  
Vol 25 (2) ◽  
pp. 743-762 ◽  
Author(s):  
Richa Priya ◽  
Aradhana Vikas Gandhi ◽  
Ateeque Shaikh
Keyword(s):  
User Satisfaction ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Factors Affecting ◽  
Indian Consumers ◽  
The Relationship

Purpose The purpose of this paper is to analyze the factors affecting mobile banking adoption among young Indian consumers. Design/methodology/approach The authors use a cross-sectional survey research design to empirically examine the factors affecting mobile banking adoption among young Indian consumers. The study sample consists of 269 respondents aged between 23 and 30 years from India. Findings The findings of the study suggest that perceived usefulness (PU), perceived ease of use (PEU), perceived credibility (PC) and structural assurance (SA) are strong determinants of user satisfaction (US) and behavioral intention (BI) to use the mobile banking service. US was found to partially mediate the relationship between PU, PEU, PC and SA and BI to use the service. Perceived risk was found to be statistically insignificant in terms of its relationship with BI to use the service. Research limitations/implications The results of this study provide good evidence for banks to further revamp their work practices in the area of mobile banking to enhance the overall penetration of mobile banking in India. Originality/value The study identifies factors influencing mobile banking adoption among young Indian consumers. Furthermore, this study suggests that US partially mediates the relationship between factor influencing mobile banking adoption and BI.

scholarly journals Online Banking and Customer Satisfaction: Evidence from India

2019 ◽  
Vol 15 (1-2) ◽  
pp. 68-80
Author(s):  
A. Meharaj Banu ◽  
N. Shaik Mohamed ◽  
Satyanarayana Parayitam
Keyword(s):  
Customer Satisfaction ◽  
Technology Acceptance ◽  
Online Banking ◽  
Perceived Usefulness ◽  
Hierarchical Regression ◽  
Public And Private ◽  
Intention To Adopt ◽  
Acceptance Model ◽  
Public And Private Sector ◽  
The Relationship

On the basis of technology acceptance model (TAM) and decomposed theory of planned behaviour (DTPB), the present study is aimed at studying customer satisfaction in online banking in India. Data collected from 750 respondents from both public and private sector banks were used to test the mediated model using the hierarchical regression. The results supported that perceived usefulness acted as a partial mediator in the relationship between various independent variables, such as awareness of online banking services, security, knowledge of Internet, self-efficacy, intention to adopt, trust, easy to use, and dependent variable, that is, customer satisfaction. Implications for research and practising managers are discussed.

scholarly journals Factors affecting the adoption of e-learning in Indonesia: Lesson from Covid-19

2020 ◽  
Vol 10 (2) ◽  
pp. 282
Author(s):  
Yubaedi Siron ◽  
Agus Wibowo ◽  
Bagus Shandy Narmaditya
Keyword(s):  
Computer Anxiety ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Survey Study ◽  
Perceived Ease Of Use ◽  
Online Questionnaire ◽  
Factors Affecting ◽  
Several Variables ◽  
E Learning ◽  
The Relationship

This study aims to examine factors affecting the use of e-learning during the Covid-19 pandemic in Indonesia. This survey study utilized a quantitative approach to understand the relationship variables by using SEM-PLS. An online questionnaire was distributed to collect information from respondents. A total of 250 questionnaires were gathered and 210 responses can be used for further analysis. The findings indicate that the students’ intention in using e-learning was determined by several variables, including perceived enjoyment, students experience, computer anxiety, and perceived self-efficacy. These findings also confirm that both perceived ease of use and perceived usefulness can explain the students’ intention in utilizing e-learning. The results provide an implication toward the importance of understanding factors of adoption of e-learning and how students can perceive e-learning as the response of the Covid-19 pandemic.

scholarly journals Factors Affecting Augmented Reality Adoption in the Retail Industry

2021 ◽  
Vol 7 (2) ◽  
pp. 142
Author(s):  
Syed Shah Alam ◽  
Samiha Susmit ◽  
Chieh-Yu Lin ◽  
Mohammad Masukujjaman ◽  
Yi-Hui Ho
Keyword(s):  
Augmented Reality ◽  
Technology Acceptance ◽  
Behavioral Intention ◽  
Open Innovation ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Retail Industry ◽  
Retail Stores ◽  
Factors Affecting ◽  
The Relationship

Augmented reality (AR) technology is a computer-generated object that allows users to enrich the experience of products virtually with graphics, images, etc. Due to a lack of studies in developing countries like Malaysia, more studies are necessary to understand the pressing factors of diffusing AR technology for the flourishing retail industry. This research aimed to explore the factors affecting the adoption of AR technology in the retail sector through an extension of the technology acceptance model (TAM). The conceptual model was developed based on additional open-innovation-related constructs to the existing TAM constructs. To test the model, data were collected from 233 retail stores in Malaysia using a structured questionnaire survey. The PLS-based structural equation modeling technique was used to analyze the data. The empirical results confirmed that, except for external support and trading partner pressure, other factors, including perceived usefulness, attitude, competitive pressure, customer pressure, perceived cost, and technological knowledge have significant influences on the intention to use AR technology in retail stores. The attitude mediates the relationship between perceived usefulness and behavioral intention and the relationship between self-efficacy and behavioral intention. As operating cost was a critical factor, managers are advised to deliver various packages of after-sales services and free installation charges to curb expenses. This study improved TAM by offering a comprehensive model with cognitive and open innovation factors and provided suggestions for retail stores when they attempt to adopt AR technology to develop an open business model.

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