scholarly journals Technology readiness and UTAUT2 in e-wallet adoption in a developing country

F1000Research ◽  
2021 ◽  
Vol 10 ◽  
pp. 863
Author(s):  
Min Yee Leong ◽  
Jing Hui Kwan ◽  
Lai Ming Ming
Keyword(s):  
Structural Equation ◽  
Service Providers ◽  
New Technology ◽  
Substantial Contribution ◽  
Technology Readiness ◽  
System Transformation ◽  
Knowledge Domain ◽  
Performance Expectancy ◽  
Facilitating Conditions ◽  
Digital Equivalent

Background: An e-wallet is a digital equivalent of a physical wallet which plays an essential role in payment system transformation. To embrace the concept of a cashless society, the Malaysian Government and central bank have taken various steps to encourage the adoption of e-wallets. Despite the seamless services offered by the e-wallet, it is yet to reach high-scale adoption in Malaysia. This study aims to investigate Malaysians’ readiness towards the e-wallet and their perceptions of it by employing the UTAUT2 model. Methods: A total of 309 valid data were gathered and analysed with partial least squares structural equation modelling (PLS-SEM). Results: The findings revealed that the respondents were confident about the new technology and tended to believe that e-wallet was somehow useful for them. The results also disclosed that e-wallet adoption intention was significantly influenced by performance expectancy, price value, facilitating conditions, and followed closely by social influence. Nonetheless, insecurity did not present significant impact on both performance expectancy and effort expectancy of e-wallet. Conclusions: This study provides a substantial contribution to the knowledge domain by combining system-specific and individual-specific models in an e-wallet context. The outcomes of this study would also benefit e-wallet service providers and policymakers by delivering holistic insight into Malaysians’ readiness and adoption behaviour of the e-wallet.

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.

The Moderating Effects of Gender on E-Commerce Systems Adoption Factors

2018 ◽  
Vol 9 (4) ◽  
pp. 86-104
Author(s):  
Frederick Pobee ◽  
Daniel Opoku
Keyword(s):  
Behavioral Intention ◽  
Structural Equation ◽  
Equation Modeling ◽  
Moderating Effects ◽  
Performance Expectancy ◽  
Adoption Factors ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Actual Use ◽  
Facilitating Conditions

The purpose of this article was to investigate the moderating effects of gender on e-commerce systems adoption factors among university lecturers in Ghana. In order to achieve this purpose, the unified theory of acceptance and use of technology (UTAUT) was used as the theoretical lens for the study. Eight hypotheses were developed and tested. Data analysis was performed with a structural equation modeling (SEM) technique using SmartPLS Application. Using a survey of 223 respondents, the study showed that factors such as performance expectancy, effort expectancy, and facilitating conditions positively and significantly influenced Ghanaian lecturers' behavioral intention and ultimately the actual use of e-commerce systems. As for the moderating effects of gender, this study discovered that gender insignificantly moderated the effects of performance expectancy, effort expectancy and social influence on behavioral intention.

Examining Teachers Acceptance of Exam Building Crowdsourcing Platform through the Utaut Model: The Case of Krumun.Org

2021 ◽  
Vol 12 (3) ◽  
pp. 2841-2851
Author(s):  
Khalizul Khalid Et.al
Keyword(s):  
Behavioral Intention ◽  
New Technology ◽  
Scaling Up ◽  
Assessment Instruments ◽  
Unified Theory ◽  
Research Model ◽  
Utaut Model ◽  
Performance Expectancy ◽  
Effort Expectancy ◽  
Facilitating Conditions

The 21st-century learning demands for teachers to become a central agent in fostering various skills to students. Concurrently, teachers were also encouraged to utilize ICT in scaling up learning quality. In support of this initiative, this study introduced a crowdsourcing platform called Krumun.org developed specifically for Malaysian teachers. This exam-building crowdsourcing platform enables teachers to create, edit, and share assessment instruments. However, whether teachers will use the platform will depend on their acceptance of this new technology. Therefore, the main objective of the study is to determine teachers' acceptance factors in regards to the use of this crowdsourcing platform through the Unified Theory of Acceptance Use Technology (UTAUT) model. Questionnaires were distributed to 155 teachers who participated in Krumun.org trial launch. Partial least squares (PLS) was employed to analyze the research model through Smart-PLS 3. It is conclusive that performance expectancy (PE), self-efficacy (SE), and facilitating conditions (FC) affect behavioral intention to accept the crowdsourcing platform, Krumun.org. However, there was not enough evidence to support Effort Expectancy. Therefore, to increase the number of teachers utilizing this platform, these three factors should be prioritized. The findings of the study could also be of assistance to any related party that was planning to introduce new technology to teachers.

The Factors Influencing Taxpayers' Acceptance of E-Taxation System

2015 ◽  
pp. 105-121
Author(s):  
Adnan Gercek ◽  
Tolga Demirbas ◽  
Filiz Giray ◽  
Ayse Oguzlar ◽  
Mehmet Yuce
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Model Performance ◽  
Equation Modeling ◽  
Intention To Use ◽  
Government Services ◽  
Performance Expectancy ◽  
Effort Expectancy ◽  
Facilitating Conditions ◽  
Taxation System

E-taxation is one of the most popular e-government services. Most countries are focused on implementing an e-taxation system. The success of an e-taxation system depends on the taxpayers' acceptance of it. The taxpayers' intention to use an e-taxation system is determined by various factors. This chapter, based on empirical data collected from a survey of 505 respondents in Turkey, seeks to identify the factors that influence the taxpayers' acceptance of e-taxation system. It test various constructs of the UTAUT model – performance expectancy, trust perception, perceived risk, effort expectancy and facilitating conditions – on Turkish taxpayers' intention to use the e-taxation system. Structural equation modeling is used to analyze the effects of these variables on intention to use. The results indicate that performance expectancy and perceived risk have a significant impact on behavioral intention and that effort expectancy and facilitating conditions have a significant impact on intention to use.

scholarly journals Toward an Understanding of University Students’ Continued Intention to Use MOOCs: When UTAUT Model Meets TTF Model

SAGE Open ◽  
2020 ◽  
Vol 10 (3) ◽  
pp. 215824402094185
Author(s):  
Liyong Wan ◽  
Shoumei Xie ◽  
Ai Shu
Keyword(s):  
University Students ◽  
User Satisfaction ◽  
Structural Equation ◽  
Equation Modeling ◽  
Utaut Model ◽  
Mediating Role ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Facilitating Conditions

This study tries to propose a unified model integrating the unified theory of acceptance and use of technology (UTAUT) model, task–technology fit (TTF) model, and user satisfaction to investigate the determinants that affect university students’ continued intention of using massive open online courses (MOOCs). Based on the data of a survey on 464 respondents, structural equation modeling is adopted to assess the model. The results reveal that performance expectancy, effort expectancy, social influence, and user satisfaction are the crucial predictors of university students’ continued intention. TTF has an indirect influence on continued intention through user satisfaction. Performance expectancy is affected both by effort expectancy and TTF. Facilitating conditions do not directly influence continued intention; however, they present indirect influences in that they play a mediating role for user satisfaction. The findings help researchers and practitioners to attain a better understanding of university students’ continued usage intention of MOOCs. The implications and limitations of this study are also described.

scholarly journals Analisis Behavioral Intention Pada Layanan Aplikasi RCTI+

2020 ◽  
Vol 4 (5) ◽  
pp. 199
Author(s):  
Anggit Mardiana Permatasari ◽  
Hetty Karunia Tunjungsari
Keyword(s):  
Social Influence ◽  
Behavioral Intention ◽  
Structural Equation ◽  
Negative Influence ◽  
Equation Modeling ◽  
Moderator Variable ◽  
Performance Expectancy ◽  
Digital Era ◽  
Effort Expectancy ◽  
Facilitating Conditions

The current era is called the information age, where humans really need information. The existence of the internet on smartphones makes it easier for humans to get information and enjoy content wherever and whenever. One of the content services in Indonesia is the MNC Group's RCTI + application. Although RCTI + is a new company, RCTI + has an active number of users of 302,569 until November 2019. RCTI + has a fairly high market share because the digital era is growing rapidly. This study measures the interest of users of RCTI + applications in Indonesia by using a modified UTAUT2 research model, where researchers analyze the variables Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, Hedonic Motivation, Habit, and Content on Behavioral Intention. The data used in this study were 89 valid respondents obtained online using a questionnaire. Respondents are users of the RCTI + application. Researchers used Structural Equation Modeling (SEM) with SmartPLS software version 3.0 to test hypotheses. The results showed that Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, Habit and Content had an influence on Behavioral Intention. However, Hedonic Motivations has a negative influence on Behavioral Intention. The Age variable as a moderator variable influences Content on Behavioral Intention, while Gender has no effect. This study resulted in an R2 of 0,900 and included in the moderate category. This research, has found that the variable that most influences Behavioral Intention is Habit.

scholarly journals THE DETERMINANT FACTORS OF MOBILE PAYMENT ADOPTION

2020 ◽  
Vol 8 (3) ◽  
pp. 134-147
Author(s):  
Yosaka Eka Putranta ◽  
◽  
Rusli Alamsyah ◽  
Lisan Tan ◽  
Dewi Tamara ◽  
...  
Keyword(s):  
Behavioral Intention ◽  
Service Providers ◽  
Mobile Payment ◽  
Mobile Payments ◽  
Performance Expectancy ◽  
Internet Users ◽  
Digital Transactions ◽  
Facilitating Conditions ◽  
Use Behavior ◽  
Attraction And Retention

Indonesia mobile payment industry is growing organically especially since Indonesia is among the top 3 countries of internet users in Asia. Mobile payment has revolutionized the way we manage digital transactions and it offers a wide variety of payment facilities and benefits compared to cash, credit cards, debit cards or other payment methods. The effect of providing mobile payment users with numerous incentives, for example in the form of cashback, is a compelling factor to be investigated on mobile payments adoption in Jakarta, as various mobile payment operators intensively and continuously provide cashback as a means of customer attraction and retention. In this study, UTAUT2 was adapted to discuss the phenomenon that occurred and to compare the effect of providing incentives in mobile payment technology adoption versus the effect of other factors. Eight constructs from UTAUT2 model were carefully taken into this study, where the original constructs of UTAUT2, namely use behavior, behavioral intention, performance expectancy, effort expectancy, facilitating conditions, social influence and hedonic motivation, are maintained, while the construct of price value is adapted to become negative cost so that the present mobile payment industry can be applied more representatively. Despite the frequent practice of service providers giving incentives to customers and prospects, this study discovered that price value did not influence behavioral intention. Furthermore, behavioral intention is affected by performance expectancy, hedonic motivation and facilitating conditions, while use behavior significantly affected by behavioral intention.

scholarly journals A Quantative Approach to Identifying Factors that Affect the Use of E-Wallets in Bahrain

2020 ◽  
pp. 1819-1839
Author(s):  
Muwafaq M. AlKubaisi ◽  
Nedaa Naser
Keyword(s):  
Structural Equation ◽  
Service Providers ◽  
New Technology ◽  
Sampling Technique ◽  
Ease Of Use ◽  
Predictor Variables ◽  
Equation Modeling ◽  
Clear Understanding ◽  
Moderating Variables ◽  
Research Findings

Bahrain is considered the regional leader in the banking and finance sector. The e-wallet is one of the successful innovative services that was launched in 2017. The stage of identifying factors of the initial adoption of new technology is essential, but not enough as the technology provider company needs to focus on and understand the factors that affect the use and the continuity of use of e-wallet in order to maintain and sustain the user in the long term. A quantitative survey approach based on a 5-point Likert scale was used in this study. The sampling tool relies on the snowball and convenience sampling technique. The sample consisted of 660 users in Bahrain. The research used SmartPLS and SPSS software to analyze the collected data from the survey. The Structural Equation Modeling (SEM) was used to master the multiple relationships that exist between the four predictor variables [ease of use, compatibility, usefulness, and security], the satisfaction with e-wallet, continuous use of e-wallet and the demographical variables. This study found that the four predictor variables are statistically significant and supportive. The compatibility variable is the leading factor in the analysis. However, the study’s results indicated that the moderating variables were also found to be statistically insignificant. The research findings contribute to the service providers and marketers with a clear understanding of the factors that affect the use of e-wallets and continuance use. Also, there was an addition to the theoretical implications indicated by the significant direct relationship between continuance use and compatibility

scholarly journals Factors Determine the Behavioural Intention in Adopting the Blockchain Technology by Malaysian Public Sector Officers

2020 ◽  
Vol 20 (1) ◽  
pp. 34-43
Author(s):  
Mohd Izzat Latifa ◽  
Zukarnain Zakaria
Keyword(s):  
Public Sector ◽  
Social Influence ◽  
New Technology ◽  
Behavioural Intention ◽  
The Public ◽  
Performance Expectancy ◽  
Blockchain Technology ◽  
Effort Expectancy ◽  
The Government ◽  
Facilitating Conditions

Recently, Blockchain technology has attracted great attention in both private organisations and the public sector around the world. However, not many are aware and understand this new technology. Thus, lack of understanding of the Blockchain technology could influence the intention in adopting the technology. Therefore, the objective of this paper is to identify the behaviour intention towards adopting Blockchain Technology in the Malaysian Public Sector. Data were gathered using a questionnaire to analyse the relationship between factors such as Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions and Trust with Behavioural Intention to adopt Blockchain Technology. The data were gathered from 100 officers in various government department. The survey revealed that majority of the government officers are aware about the Blockchain technology. However, most of them have inadequate exposure and knowledge about the technology. Findings from the regression analysis found that Trust, Performance Expectancy and Social Influence positively and significantly influence the behaviour intention of government officers in adopting Blockchain technology. Meanwhile, Effort Expectancy and Facilitating Conditions were found not significant. The findings from this study suggest that it is essential to develop strategies to implement a suitable Blockchain application in the public sector. Prior to such implementation, it is imperative for government officers to be equipped with knowledge, skills and resources related to the Blockchain technology.

scholarly journals Examining Trust as a Key Determinant of eHealth Adoption in Malawi

2019 ◽  
Author(s):  
Annabelle Gadabu ◽  
Kenneth Sunguh ◽  
Vincent Ekow Arkorful ◽  
Mohammed Mahin Uddin ◽  
Sadia Lukman
Keyword(s):  
Behavioral Intentions ◽  
Structural Equation ◽  
Service Providers ◽  
User Preferences ◽  
Healthcare Personnel ◽  
Equation Modeling ◽  
Performance Expectancy ◽  
Primary Model ◽  
Ehealth Services ◽  
Positive Effect

Abstract Background There is value in having the general public take initiative in taking care of personal health. With the heavy burden of finances and shortage of healthcare personnel, patient-centered healthcare is increasingly becoming important especially through eHealth. The way technology is accepted and utilized may have significant hypothetical and concrete inferences. Thus, eHealth, like any other technology, has little value unless it is used. Nevertheless, there are many factors that potentially promote or hinder uptake and use of eHealth services. This study particularly focused on the role that trust plays in determining an individual’s decision to use eHealth services. Methods Using the Unified Theory of Acceptance and Use of Technology (UTAUT) model as the primary model of inference, two new constructs were introduced to determine whether trust is a significant contributor in consumers’ decision to use eHealth. Through convenience sampling, participant responses were collected over a period of 6 weeks and evaluated using Structural Equation Modeling (SEM) technique. Results A total of 400 responses were collected and outcomes of the analysis showed that Performance Expectancy (PE), Effort Expectancy (EE), Social Influence (SI), and Facilitating Conditions (FC), had an affirmative effect on Behavioral Intentions to use eHealth. Performance Expectancy indirectly had a positive effect on Behavioral Intentions to use eHealth services via Trust in Internet (ToI) and Trust in Online Healthcare Providers (ToH). However, ToI had an insignificant effect while ToH had a positive effect. Conclusion Trust is indeed an important element in a user’s determination to use eHealth services. However, it depends on what exactly it is that users place trust in. Consumers are less trusting in the internet to facilitate accessing health related services but are more trusting in online healthcare service providers to ably assist with relevant services. The study also shows that it is essential for key stakeholders such as public policy actors and web designers to take into consideration specific target groups and user preferences which will enhance greater engagement of eHealth services.

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