scholarly journals The Effect of Perceived Risk on Intention to Use Online Banking

2022 ◽  
Vol 10 (1) ◽  
pp. 62-71
Author(s):  
Reepu Reepu ◽  
Rakhi Arora
Keyword(s):  
Perceived Risk ◽  
Online Banking ◽  
Intention To Use

scholarly journals The effect of web-related features on intention to use online banking of ATM users

2021 ◽  
Vol 5 (4) ◽  
pp. 629-640
Author(s):  
Khalid AL-Zu’bi
Keyword(s):  
Commercial Banks ◽  
Perceived Risk ◽  
Internet Banking ◽  
Online Banking ◽  
Intention To Use ◽  
Banking Services ◽  
Perceived Benefit ◽  
Intent To Use ◽  
Internet Banking Services ◽  
The Impact

This study aimed to determine the intention of ATM users in Jordan to use internet banking services by investigating the effect of web-related features on their intention to use internet banking. The study sample was randomly selected. The results indicated that the level of internet banking usage among employees who use the ATM service is still underutilized. Also, computer self-efficacy significantly mitigated the effect of perceived risk, website quality, and perceived benefit on customers' intent to use online banking but did not significantly mitigate the impact of perceived use and compatibility on customers' intent to use online banking. The results can be useful for commercial banks that have implemented online banking in all their applications or are planning to do so. The study also provides benefits to academic researchers interested in the topic researched, commercial banks, commercial bank customers.

scholarly journals Prospects and challenges of Online Banking Services in Pakistan: A case Study of Karachi

2015 ◽  
Vol 10 (5) ◽  
pp. 2155-2167
Author(s):  
Zahid Hussain Kazi ◽  
Ghulam Murtaza Maitlo ◽  
Dr.Ambreen Khaskheley ◽  
Faiz M.Shaikh
Keyword(s):  
Perceived Risk ◽  
Reliability And Validity ◽  
Internet Banking ◽  
Study Data ◽  
Online Banking ◽  
Intention To Use ◽  
Banking Services ◽  
Factors Affecting ◽  
Independent Variable

The current research investigates Prospects and challenges  of Online Banking Services in Pakistan: A case Study of Karachi.Data were collected from 400 respondent using online banking practices in Karachi Sindh-Pakistan by using simple random technique. A structural Questionnaire was developed for the reliability and validity of data.In this study data of independent variable and dependent variable were collect from the customers of different banks of Karachi.It was revealed that the model tested clearly that use of online banking is influenced by channel convenience, perceived risk, security perception, prior internet knowledge and information on online banking. The results also determine that demographic factors also impact significantly on online banking. Finally, this paper suggests that an understanding the factors affecting intention to use internet banking is very important to the practitioners who plan and promote new forms of banking in the current competitive market

scholarly journals The Impact of Force Factors on the Benefits of Digital Transformation in Romania

2021 ◽  
Vol 11 (5) ◽  
pp. 2365
Author(s):  
Sorinel Căpușneanu ◽  
Dorel Mateș ◽  
Mirela Cătălina Tűrkeș ◽  
Cristian-Marian Barbu ◽  
Adela-Ioana Staraș ◽  
...  
Keyword(s):  
Perceived Risk ◽  
Industry 4.0 ◽  
Business Models ◽  
Structural Model ◽  
Digital Transformation ◽  
Sample Survey ◽  
Intention To Use ◽  
Online Questionnaire ◽  
Use Of Technology ◽  
The Impact

The digital transformation has produced changes in all existing areas of activity worldwide. There are many factors that can influence the intention to use Industry 4.0 processes and solutions and change the behavior of organizations and their business models. The aim of this study is to validate the econometric model on assessing the significant impact of distinct factors on the intention to use Industry 4.0 processes and solutions, the benefits of digital transformation perceived by organizational management and the differences between distinct groups analyzed. The research method used within the quantitative study was the sample survey, using the online questionnaire as a data collection tool. Three hundred forty-seven valid questionnaires were collected and the response rate of the respondents was 64.25%. A new structural model was generated based on the elements of the Unified Theory of Acceptance and Use of Technology (UTAUT). The results of the study indicated that Perceived competitiveness and Perceived risk have a significant impact on Intention to Use Industry 4.0 processes while Perceived vertical networking solutions and Perceived integrated engineering solutions have a significant influence on the Intention to Use Industry 4.0 solutions. In conclusion, there is a positive and significant association between Intention to Use Industry 4.0 solutions and Benefits of Digital Transformation.

scholarly journals Predictors of physicians’ intentions to use clinical practice guidelines on antimicrobial in tertiary general hospitals of China: a structural equation modeling approach

2021 ◽  
Vol 10 (1) ◽  
Author(s):  
Qingwen Deng ◽  
Zhichao Zeng ◽  
Yuhang Zheng ◽  
Junhong Lu ◽  
Wenbin Liu
Keyword(s):  
Perceived Risk ◽  
Subjective Norms ◽  
Ease Of Use ◽  
Relative Advantage ◽  
Equation Modeling ◽  
Top Management ◽  
Intention To Use ◽  
Management Support ◽  
General Hospitals ◽  
Top Management Support

Abstract Background With inappropriate use of antimicrobials becoming a great public health concern globally, the issue of applying clinical practice guidelines (CPGs) to regulate the rational use of antimicrobials has attracted increasing attention. Taking tertiary general hospitals in China for example, this study aimed to identify factors to investigate the comprehensive influencing mechanism for physicians’ intention to use CPGs on antimicrobials. Methods Based on the integration of Theory of Planned Behavior (TPB), Technology Acceptance Model (TAM), and Technology-Organization-Environment framework (TOE), a questionnaire survey was conducted covering potential determinants of affecting physicians’ intentions to use CPGs on antimicrobials at the individual level (attitude, subjective norms and perceived risk), technical level (relative advantage and ease of use), and organizational level (top management support and organizational implementation). Data were collected from 644 physicians in tertiary general hospitals in eastern, central and western China, which were obtained by multi-stage random sampling. The structural equation modeling (SEM) was used to link three-level factors with physicians’ behavioral intentions. Results The majority of the participants (94.57%) showed a positive tendency toward intention to use CPGs on antimicrobials. The reliability and validity analysis showed the questionnaire developed from the theoretical model was acceptable. SEM results revealed physicians’ intentions to use CPGs on antimicrobials was associated with attitude (β = 0.166, p < 0.05), subjective norms (β = 0.244, p < 0.05), perceived risk (β = − 0.113, p < 0.05), relative advantage (β = 0.307, p < 0.01), top management support (β = 0.200, p < 0.05) and organizational implementation (β = 0.176, p < 0.05). Besides, subjective norms, perceived risk, relative advantage, ease of use, and top management support showed their mediating effects from large to small on the intentions, which were 0.215, 0.140, 0.103, 0.088, − 0.020, respectively. Conclusions This study revealed the significance of multifaceted factors to enhance the intention to use CPGs on antimicrobials. These findings will not only contribute to the development of targeted intervention strategies on promoting the use of CPGs on antimicrobials, but also provide insights for future studies about physicians’ adoption behaviors on certain health services or products.

Determinants of Consumer Intention to Use Online Gambling Services

2016 ◽  
Vol 12 (4) ◽  
pp. 23-37 ◽  
Author(s):  
Nuno Fortes ◽  
António Carrizo Moreira ◽  
João Saraiva
Keyword(s):  
Perceived Risk ◽  
Online Survey ◽  
Online Gambling ◽  
Intention To Use ◽  
Unified Theory ◽  
Convenience Sample ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Usage Behavior ◽  
Facilitating Conditions

Online gambling has skyrocketed in recent years. As such, knowing the determinants of consumer usage behavior is crucial in understanding online gambling services. This study has as main objective the construction of an explanatory model of the online gambling services usage behavior, based on the incorporation of perceived risk in the conceptual framework of the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2). The empirical validation of the model was performed by conducting an online survey to a convenience sample of 212 Portuguese online players. Data were processed using the PLS-SEM methodology. The results evidence that performance expectancy, social influence, facilitating conditions, hedonic motivations, price value, habits, as well as perceived risk influence the intention to use online gambling services.

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.

Understanding Adoption Intention of Mobile Shopping Applications

2021 ◽  
Vol 13 (2) ◽  
pp. 31-47
Author(s):  
Malik Khlaif Gharaibeh ◽  
Natheer Khlaif Gharaibeh
Keyword(s):  
Perceived Risk ◽  
Diffusion Theory ◽  
New Technology ◽  
Relative Advantage ◽  
Intention To Use ◽  
Innovation Diffusion Theory ◽  
Mobile Shopping ◽  
Robust Model ◽  
Perceived Enjoyment ◽  
Main Determinants

This paper empirically explains the main determinants impacting user's intention to shop via mobile application in Jordan. This study modified innovation diffusion theory (IDT) and incorporates two new factors: perceived enjoyment and perceived risk. Data were obtained from 450 customers by using regression analysis for testing seven hypotheses. The results showed that relative advantage, compatibility, trialability, and observability are significantly associated with consumer decisions to adopt mobile shopping applications. Perceived enjoyment and perceived risk have a non-significant effect on the intention to use. Interestingly, complexity was found to be positively related to intention to use. This research confirms that IDT is a robust model when studying new technology or innovation like mobile shopping. The findings from this study are helpful for software engineers, retailers, service developers, and mobile marketers to raise the usage rate of this service among people.

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.

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