Analysis of the effects of ease of use, enjoyment, perceived risk on perceived value and subsequent satisfaction created in the context of C2C online exchanges

2020 ◽  
Vol 11 (3) ◽  
pp. 217
Author(s):  
Mohammad Hamdi Al Khasawneh ◽  
Natalie Haddad
Keyword(s):  
Perceived Risk ◽  
Perceived Value ◽  
Ease Of Use ◽  
Online Exchanges

Factors Influencing Consumer Adoption for Network Fellowship Auction in Taiwan

2016 ◽  
Vol 8 (1) ◽  
pp. 50-62 ◽  
Author(s):  
Yi-Fen Chen ◽  
Chia-Wen Tsai ◽  
Yen-Fang Tseng
Keyword(s):  
Self Efficacy ◽  
Perceived Risk ◽  
Online Survey ◽  
Structural Equation Models ◽  
Perceived Value ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Product Involvement ◽  
Computer Self Efficacy

The emerging online economy in recent years has facilitated the rapid growth of e-commerce, such as Internet bank, e-wallet, and electronic bidding. Network fellowship auction is a collective effort by people who network and pool their money together by Internet in order to invest in and support efforts initiated by other people or organizations. Network fellowship auction has replaced conventional fellowship auction by offering a new safer and faster financial instrument. This research investigated the determinants of network fellowship auction user acceptance, including consumer perceived risk, perceived value, computer self-efficacy, and product involvement. An online survey was used with a sample of 446 respondents. Structural equation models (SEM) were used to examine hypotheses in the theoretical framework. The results showed that consumer perceived risk substantially negatively influenced perceived ease of use and intention; consumer perceived value positively influenced perceived usefulness; consumer computer self-efficacy positively influenced perceived ease of use. Additionally, consumer perceived usefulness, perceived ease of use, and product involvement positively influenced consumer intention.

The role of personalization on continuance intention in food service mobile apps

2019 ◽  
Vol 31 (2) ◽  
pp. 734-752 ◽  
Author(s):  
Jee-Won Kang ◽  
Young Namkung
Keyword(s):  
Perceived Risk ◽  
Mobile Apps ◽  
Perceived Value ◽  
Food Service ◽  
Ease Of Use ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Perceived Benefit ◽  
Privacy Calculus

PurposeThis paper aims to examine consumers’ behaviors toward personalized services offered by branded mobile apps in the food service industry by applying privacy calculus theory and technology acceptance model (TAM). Further, this research identified the moderating role of technology anxiety.Design/methodology/approachAn online survey was carried out to investigate the role of personalization on continuance intention toward branded mobile apps. In total, 348 valid responses were analyzed to test hypotheses using structural equation modeling.FindingsThe results show that personalization had significantly affected perceived benefit, perceived risk and perceived ease of use. Perceived benefit had positive effects on perceived value of disclosure, but perceived risk did not affect perceived value of disclosure. Perceived value of disclosure and perceived ease of use were linked to trust. Trust, in turn, positively affected intentions to use mobile apps. With regard to the moderating effect of technology anxiety, it had a significant moderating impact on the relationship between personalization and perceived risk. However, it did not moderate the relationship between personalization and perceived benefit.Practical implicationsThe findings of this study could provide useful theoretical and practical implications related to the successful implementation of mobile marketing.Originality/valueThis study proposes the integrated model of privacy calculus theory and the TAM for deeper understanding of the customers’ responses toward personalization of branded mobile apps.

Determining the impact of e-commerce quality on customers’ perceived risk, satisfaction, value and loyalty

2019 ◽  
Vol 11 (4) ◽  
pp. 576-587 ◽  
Author(s):  
Ιoannis Tzavlopoulos ◽  
Katerina Gotzamani ◽  
Andreas Andronikidis ◽  
Chris Vassiliadis
Keyword(s):  
Path Analysis ◽  
Customer Loyalty ◽  
Perceived Risk ◽  
Perceived Value ◽  
Perceived Quality ◽  
Ease Of Use ◽  
Future Research ◽  
Content Type ◽  
The Impact

Purpose The quality assessment of e-commerce services is of particular research interest, as it has been widely found that quality is directly linked to customer satisfaction and loyalty, which in turn leads to improved sales results, the creation of reputation and enhanced competitiveness for active companies in the industry. The purpose of this paper is to investigate the quality in e-commerce and to examine the relationships developed among its individual dimensions and satisfaction, perceived value, perceived risk and customer loyalty. Design/methodology/approach Initially, exploratory factor analysis with the equamax rotation method was applied to identify the perceptions of consumers regarding quality, value, satisfaction, risk and loyalty. The effect of the factors that make up perceived quality of e-services on customer value, satisfaction, risk and loyalty was examined by using OLS regression analysis. Likewise, path analysis was applied to confirm the impact of perceived quality on total consumer satisfaction, perceived value and loyalty, utilizing perceived risk as a moderating variable. Findings The authors found that quality overall has a positive and statistically significant relationship with perceived value, satisfaction and loyalty and negative with perceived risk. From the individual dimensions of quality, it has been found that ease of use of websites, design, responsiveness and security lead to increased levels of perceived value, while ease of use, responsiveness and personalization lead to an increase in the overall satisfaction of consumers. Overall, it has been documented that high levels of quality lead to higher satisfaction and perceived value, mitigating perceived risk and positively impacting the adoption of desirable consumer behaviors as reflected in customer loyalty. Research limitations/implications In this respect, future research in the field of e-commerce can examine the quality of the respective electronic services taking into account different product and business categories. In addition, the future research can focus on the impact of high satisfaction, perceived value and customer loyalty on various sizes of business performance, including sales, market share, competitiveness, financial efficiency and sustainability. Practical implications Given the clear relationship between quality, perceived value and satisfaction, e-commerce businesses have the potential to benefit significantly from improvements in the quality of their services, as this leads to increased levels of perceived value, high level of satisfaction and hence enhanced customer loyalty, which is in turn reflected in increased sales, positive word-of-mouth, improved reputation and brand loyalty. In this way, e-businesses will be able to improve their financial position, achieve higher market shares, maintain their competitive advantage, attract new development resources and become sustainable on a long-term basis. Social implications Businesses need to understand the factors that determine the quality in e-commerce to be able to achieve customer satisfaction and reduce perceived risk through improved quality. These factors, which consumers perceive as important for quality, are critical. Originality/value The concepts of quality, perceived value, risk, satisfaction and loyalty are considered to be interlinked in both traditional consumer research and e-commerce, as high levels of perceived quality are believed to lead to positive assessments of the cost-benefit and, hence, the perceived value (Cronin et al., 2000; Sweeney and Soutar, 2001; Korda and Snoj, 2010) and loyalty. In this context, this study attempted to study the relationship of these five variables, through both regression and path analysis, resulting in similar results. According to the findings of the study, perceived quality of website services has a positive and statistically significant impact on perceived value, satisfaction and an opposite effect on perceived risk, while the last is mitigating variable for and loyalty.

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.

Validating the Measurement Constructs Affecting the Technology Adoption in Indian Mobile Banking Industry

2016 ◽  
Vol 1 (1) ◽  
Author(s):  
Muragesh Y. Pattanshetti ◽  
Sachin S. Kamble ◽  
Sudheer M. Dhume ◽  
Shradha Gawankar
Keyword(s):  
Technology Adoption ◽  
Perceived Risk ◽  
Service Providers ◽  
Business Environment ◽  
Retail Banking ◽  
Appropriate Technology ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Measurement Scale ◽  
Mobile Banking

Mobile phones have undeniably brought a paradigm shift, affecting both the lives of people and the business environment. Today, mobile phone has permeated the lives of billions of people around the world, becoming for many an indispensable device. Moreover, adoption of mobile banking has significant impact on reducing costs and enabling change in retail banking. Factors influencing the intention to use or adopt mobile banking are very important and will play a vital role for mobile banking service providers. The proposed study focuses on a comprehensive set of potential factors that influence the adoption of mobile banking. The research model identifies appropriate factors and captures dependency relationships among these factors in the form of a number of hypotheses to be tested in this research. This paper aims to design a scale with a high degree of reliability, validity, and dimensionality which helps to determine the appropriate technology adoption model based on the identified constructs, viz. Optimism (OPTI), Innovativeness (INNO), Insecurity (INSC), Discomfort (DISC), Perceived Usefulness (PU), Perceived Ease of Use (PEU), Perceived Risk (PR), Subjective Norms (SN), Attitude (ATTI), Behavioural Control (BC) and Behavioural Intention (BI). The data were collected through questionnaire survey from 201 respondents comprising software engineers, bank employees, professors, entrepreneurs. Confirmatory factor analysis was used to test the validity of the proposed measurement scale for all the identified constructs. This instrument helps bankers to determine and design there applications which will contribute to the knowledge of predicting customer intention.

scholarly journals Understanding FinTech Platform Adoption: Impacts of Perceived Value and Perceived Risk

2021 ◽  
Vol 16 (5) ◽  
pp. 1893-1911
Author(s):  
Jianli Xie ◽  
Liying Ye ◽  
Wei Huang ◽  
Min Ye
Keyword(s):  
Perceived Risk ◽  
Perceived Value ◽  
Future Research ◽  
It Adoption ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Adoption Research ◽  
Adoption Intention ◽  
Core Construct

FinTech platforms are one of the most important elements in the rapidly digitized world’s economy. This study investigates the factors that affected individuals’ acceptance of FinTech services, especially on internet wealth management platforms. The current research extends the unified theory of acceptance and use of technology (UTAUT) published by MIS Quarterly with integrated financial consumption attributes (i.e., perceived value and perceived risk) alongside the core construct of UTAUT. Data were collected from an established survey company. The empirical results indicate that perceived value, perceived risk, and social influence are strongly related to individuals’ FinTech adoption intention, whereas performance expectancy, effort expectancy, and perceived risk affect individuals’ perceived value, which in turn influences adoption intention. The proposed FinTech adoption model could contribute to information technology (IT) adoption research by extending the UTAUT in which individuals’ performance expectancy and effort expectancy affect their adoption intention indirectly through perceived value. Finally, the implications of the proposed new model for future research and FinTech practice are discussed.

scholarly journals The antecedents of Muslim customers’ intention to invest in an Islamic bank’s term deposits: evidence from a Muslim majority country

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Sri Rahayu Hijrah Hati ◽  
Sigit Sulistiyo Wibowo ◽  
Anya Safira
Keyword(s):  
Perceived Risk ◽  
Online Survey ◽  
Perceived Value ◽  
Perceived Quality ◽  
Equation Modeling ◽  
Product Knowledge ◽  
Islamic Banks ◽  
Content Type ◽  
Islamic Bank

Purpose The purpose of this study is to examine the impacts of product knowledge, perceived quality, perceived risk and perceived value on customers’ intention to invest in Islamic Banks. This study specifically examines an Islamic bank’s term deposits. Design/methodology/approach Structural equation modeling was used to analyze the data collected from 217 customers of an Islamic bank in Indonesia using an online survey. Findings This study highlights the central and dual roles of perceived risk as both the independent and the intervening variable that mediates the relationship between product knowledge and Muslim customer intention to invest in an Islamic bank’s term deposits. Research limitations/implications This study only investigates term deposits as one type of investment in Islamic banks. This study contributes to the literature by examining the role of product knowledge, perceived quality, perceived risk and perceived value on Muslim customer intention to invest in Islamic term deposits. Practical implications The results of this study highlight the requirement for Islamic banks to educate customers to improve the depositors’ product knowledge because Muslim customers’ risk and value perception and intention are strongly influenced by product knowledge. Originality/value The investigation of perceived risk is particularly relevant for Islamic financial products because of the inherent nature of risk sharing in Islamic finance. This study investigates the role of product knowledge in influencing the Muslim customers’ perception of risk, quality, value and their intention to invest in Islamic bank term deposits. Ideally, the profit loss sharing concept (PLS) should be applied; however, in this context, revenue sharing is applied because of Indonesia’s central bank regulation.

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.

Konsekuensi Green Trust Terhadap Green Perceived Value, Green Perceived Risk dan Green Repurchase Intention

2020 ◽  
Vol 19 (2) ◽  
pp. 62-74
Author(s):  
Destya Lisnaningrum ◽  
Sabihaini Sabihaini ◽  
Abdul Ghofar
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Perceived Value ◽  
The Body ◽  
Equation Modeling ◽  
Repurchase Intention ◽  
Sample Collection ◽  
Body Shop ◽  
The Body Shop ◽  
Green Trust

This study determine the effect of green perceived value and green perceived risk on green repurchase intention mediated by green trust in customers of The Body Shop products in the Special Region of Yogykarta. The independent variables are green perceived value and green perceived risk. The dependent variable is a green repurchase intention. Green trust is a mediating variable. The population in this study are customers of The Body Shop products. Sample collection is done by area sampling techniques by grouping DIY into 5 groups, namely Bantul, Gunungkidul, Kota Yogyakarta, Kulon Progo, Sleman and the purposive sampling with the criteria of having made at least 2 purchases of The Body Shop products number of 150 respondents. The data analysis method used in this study is structural equation modeling (SEM). The results of this study are If consumers feel the benefits of a product towards the environment is high, it will increase trust and repurchase in the product. If consumers have a negative perception of a product that is high it will reduce trust and reduce interest in repurchasing the product. Consumer trust in products can mediate consumer ratings of the benefits received, negative perceptions and repurchase in the product.

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