scholarly journals Analysis Factors Affecting Lenders Intention In P2p Lending Platform Using Utaut2 Model

2021 ◽  
Vol 12 (3) ◽  
pp. 3527-3537
Author(s):  
Angelina Et.al
Keyword(s):  
Unified Theory ◽  
Key Factors ◽  
Factors Affecting ◽  
Traditional Markets ◽  
Positive Effects ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
P2p Lending ◽  
Lending Activity ◽  
Financial Technology

Peer-to-Peer (P2P) lending platform is relatively new to Indonesian market and it managed to dominate Financial Technology in Indonesia by 2019. This fast growth is influenced by simple borrowing and lending activity regulation compared to more traditional markets like banks. Most of previous studies had been focusing on borrowers’ side whereas the lender's side was minimally highlighted. Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) is used to analyze key factors that affect the usage of P2P Lending with addition of trust and risk. This research used SmartPLS to calculate the effect of each variable and found that effort expectancy, social influence, facilitating condition, trust, and risk have positive effects on lenders intention to use the P2P lending platform

Factors Affecting e-Payment Adoption in Nigeria

2010 ◽  
Vol 8 (4) ◽  
pp. 51-67 ◽  
Author(s):  
Roya Gholami ◽  
Augustine Ogun ◽  
Elizabeth Koh ◽  
John Lim
Keyword(s):  
Theoretical Model ◽  
Social Influence ◽  
Crucial Role ◽  
Demographic Variables ◽  
Unified Theory ◽  
Factors Affecting ◽  
Utaut Model ◽  
Intention To Adopt ◽  
Use Of Technology ◽  
Effort Expectancy

The payment system of a country plays a crucial role in its economy; however, despite the benefits of e-Payment and efforts by financial authorities, Nigeria still has a low e-Payment adoption rate. In this regard, there is an urgent need to investigate the factors that affect individuals’ intention to adopt e-Payment. Drawing on the unified theory of acceptance and use of technology (UTAUT) model, this paper develops a theoretical model for e-Payment adoption in Nigeria. Additionally, a survey was conducted on 500 respondents with 213 complete responses received to test the model, and results show that perceived benefits, effort expectancy, social influence, trust, awareness, and demographic variables affected individuals’ intention to adopt e-Payments. Based on the findings, managerial and theoretical implications are deliberated.

Penerapan Metode Unified Theory Of Acceptence And Use Of Technology (UTAUT) Dalam Memprediksi Behavioral Intentions Pada Penggunaan E-Commerce Shopee Dikalangan Mahasiswa (Studi Kasus Di Fakultas Tarbiyah Dan Keguruan UIN Ar-Raniry)

2019 ◽  
Vol 10 (2) ◽  
pp. 9-14
Author(s):  
Hanifah Oktana Putri ◽  
Bustami Yusuf
Keyword(s):  
Teacher Training ◽  
Social Influence ◽  
Behavioral Intention ◽  
Behavioral Intentions ◽  
Unified Theory ◽  
Positive Effects ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Facilitating Conditions

This study aims to determine the effect of performance expectancy, effort expectancy, social influence, facilitating conditions on Behavioral intentions among students Tarbiyah and Teacher Training Faculty (FTK), State Islamic University of Ar-Raniry (UIN Ar-Raniry), in using e-commerce Shopee. The sample used in this study were students who had used e-commerce Shopee. We used the Unified Theory of Acceptance and Use of Technology (UTAUT) methodology in this study by distributing questionnaires both in paper based and by utilizing the google form application. The results of this study indicate that the four factors studied has the positive effects on Behavioral Intention of FTK’s students by 42%.

scholarly journals Factors Affecting Users’ Acceptance of E-Billing System in Surakarta Tax Office

2018 ◽  
Vol 9 (1) ◽  
pp. 37
Author(s):  
Rino Ardhian Nugroho ◽  
Arlyn Dewi Susilowati ◽  
Okki Chandra Ambarwati ◽  
Arum Pratiwi
Keyword(s):  
Structural Equation ◽  
Partial Least Square ◽  
Least Square ◽  
Unified Theory ◽  
Factors Affecting ◽  
Utaut Model ◽  
Billing System ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Facilitating Conditions

This research aimed to analyze factors that affected the acceptance of e-billing system of Surakarta tax office with Unified Theory of Acceptance and Use of Technology (UTAUT) model. The survey was done on electronic billing (e-billing) system users in Surakarta. Partial Least Square-Structural Equation Modelling (PLSSEM) was used to analyze the users’ intention in adopting e-billing system. The result indicates that two UTAUT variables (performance expectancy and social influence) affect the system usage significantly. Meanwhile, the other variables like effort expectancy and facilitating conditions do not affect e-billing system adoption in Indonesia.

Online life insurance purchasing intention: Applying the unified theory of acceptance and use of technology

2019 ◽  
Vol 47 (7) ◽  
pp. 1-13
Author(s):  
Shi-jie Jiang ◽  
Xin Liu ◽  
Na Liu ◽  
Feiyun Xiang
Keyword(s):  
Theoretical Model ◽  
Life Insurance ◽  
Perceived Risk ◽  
Unified Theory ◽  
Key Factors ◽  
Online Trust ◽  
Use Of Technology ◽  
Purchasing Intention ◽  
Effort Expectancy ◽  
Insurance Purchasing

We developed and examined a theoretical model to explain the key factors influencing Chinese customers' purchasing intention of online life insurance. The proposed theoretical model incorporated the unified theory of acceptance and use of technology (UTAUT) with 2 external factors: online trust and perceived risk. SmartPLS 2.0 was used to analyze the data collected from field survey questionnaires (N = 315). The results showed that customers' online life insurance purchasing intention was significantly impacted by performance expectancy, effort expectancy, and social influence. In addition, online trust acted as both a direct antecedent of purchasing intention and an indirect antecedent through perceived risk. These findings offer Chinese insurers some guidelines for designing and marketing through this channel to increase their sales.

scholarly journals Factors Affecting Teaching English as a Second Language (TESL) Postgraduate Students’ Behavioural Intention for Online Learning during the COVID-19 Pandemic

2021 ◽  
Vol 13 (6) ◽  
pp. 3524
Author(s):  
Melor Md Yunus ◽  
Wee Shin Ang ◽  
Harwati Hashim
Keyword(s):  
Online Learning ◽  
Survey Design ◽  
Behavioural Intention ◽  
Intention To Use ◽  
Postgraduate Students ◽  
Factors Affecting ◽  
Positive Effects ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Facilitating Conditions

Online learning has become essential in education as the spread of coronavirus 19 (COVID-19) pandemic has brought significant changes to the field. However, education should remain welcoming and supportive to all the learners as it is important to keep the students’ behavioural intention in any form of learning environment. Thus, this study is significant as online learning is leading the trend of education now. Past studies revealed that the factors of performance expectancy, effort expectancy, social influence, and facilitating conditions under the unified theory of acceptance and use of technology (UTAUT) model affect learners’ behavioural intention to use online learning. This study intended to identify the most significant factors that influence TESL postgraduate students’ behavioural intention towards the use of online learning during the COVID-19 pandemic. It also examined the relationship amongst the four factors and postgraduate students’ behavioural intention to use online learning. The participants consisted of 169 postgraduate students at a public university in Malaysia. To achieve the aim, the study utilized a survey design using a questionnaire. The results from regression analysis revealed that all of the factors have positive effects on postgraduate students’ behavioural intention to use online learning. Meanwhile, performance expectancy has the greatest influence on postgraduate students’ behavioural intention. Hence, this study concludes that the practicality and the usefulness of online learning should be highlighted by the authorities.

scholarly journals How Does the Pandemic Facilitate Mobile Payment? An Investigation on Users’ Perspective under the COVID-19 Pandemic

2021 ◽  
Vol 18 (3) ◽  
pp. 1016
Author(s):  
Yuyang Zhao ◽  
Fernando Bacao
Keyword(s):  
Social Economy ◽  
Emergency Situation ◽  
Mobile Payment ◽  
Unified Theory ◽  
Perceived Benefits ◽  
Factors Affecting ◽  
Use Of Technology ◽  
The Social ◽  
Perceived Security ◽  
Contact Free

Owing to the convenience, reliability and contact-free feature of Mobile payment (M-payment), it has been diffusely adopted in China during the COVID-19 pandemic to reduce the direct and indirect contacts in transactions, allowing social distancing to be maintained and facilitating stabilization of the social economy. This paper aims to comprehensively investigate the technological and mental factors affecting users’ adoption intentions of M-payment under the COVID-19 pandemic, to expand the domain of technology adoption under the emergency situation. This study integrated Unified Theory of Acceptance and Use of Technology (UTAUT) with perceived benefits from Mental Accounting Theory (MAT), and two additional variables (perceived security and trust) to investigate 739 smartphone users’ adoption intentions of M-payment during the COVID-19 pandemic in China. The empirical results showed that users’ technological and mental perceptions conjointly influence their adoption intentions of M-payment during the COVID-19 pandemic, wherein perceived benefits are significantly determined by social influence and trust, corresponding with the situation of pandemic. This study initially integrated UTAUT with MAT to develop the theoretical framework for investigating users’ adoption intentions. Meanwhile, this study originally investigated the antecedents of M-payment adoption under the pandemic situation and indicated that users’ perceptions will be positively influenced when technology’s specific characteristics can benefit a particular situation.

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 Use of Modified Unified Theory of Acceptance and Use of Technology to Predict the Behavioural Intention Toward Website

2014 ◽  
Vol 568-570 ◽  
pp. 1586-1592 ◽  
Author(s):  
Indrawati
Keyword(s):  
Behavioral Intention ◽  
Educational Institution ◽  
Survey Method ◽  
Unified Theory ◽  
Key Factors ◽  
Utaut Model ◽  
Use Of Technology ◽  
Stake Holder ◽  
Facilitating Conditions ◽  
The Impact

The availability of website for an institution is very important, especially for an educational institution just like ABC University. The website can become a mean of communication from the institute to its stake holder: students, parents, industries, lecturers, administrators, and government or from the stakeholders to the institution. The availability of website is also important to increase the image of the institution, since there is university web ranking published by WeboMatrix. ABC University has already built its website and communicated, socialized as well the availability of its website to all students, lecturers, and administrator. So far the adoption of the websites by students, lecturers, and administrators especially by using the Modified Unified Theory of Acceptance and Use of Technology (UTAUT) model has not been explored. This lack of knowledge motivated the researcher to conduct this study. This study investigates the key factors that affect the behavioral intention and used behavior of customers toward the use of the website in ABC University Indonesia. The approach employed for this study is based on a modified unified theory of acceptance and use of technology (UTAUT) model. A survey method was employed to gather data from 310 respondents coming from the students, lecturers, administrator, and management. The collected data was analyzed using a quantitative investigation. The partial least squares (PLS) method was used to quantitatively evaluate the impact of the key constructs of the modified UTAUT model. This research clearly confirmed that modified UTAUT model which consists ofperformance expectancy, effort expectancy, social influence, facilitating conditions, andcontentcan be used to determinebehavioral intentionof consumers to use Website.

scholarly journals The Moderator Role of Age in the Unified Theory of Acceptance and Use of Technology: Intention to Use Internet Banking in Sudan: الدور المعدل للعمر في النظرية الموحدة لقبول واستخدام التكنولوجيا:  النية لاستخدام الإنترنت المصرفي في السودان

2020 ◽  
Vol 4 (11) ◽  
Author(s):  
Adam Haroun Omer, Fathi Ahmed Ali Adam
Keyword(s):  
Data Collection ◽  
Internet Banking ◽  
Education Level ◽  
Intention To Use ◽  
Unified Theory ◽  
Banking Services ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Moderator Role

The objective of this paper is to identify the moderator role of age in the unified theory of acceptance and use of technology: Intention to Use internet banking in Sudan. To achieve this objective the researchers adopted the questionnaire to data collection. A total of 375 questionnaires are distributed 207 respondents are well-responded. Used SPSS, Excel, SmartPLS to analysis the data collected. The results indicate that the age (34yrs and less) does prove as a moderator in effort expectancy, social influence, and intention to use Internet banking. Also, the age generally does not prove as a moderator in internet banking awareness and intention to use internet banking. The study recommended to study the effect of income and education level on acceptance of e-banking services.

Sign in / Sign up

Export Citation Format

Share Document