scholarly journals A Study on Users' Adoption of Electronic Payment System in India.

2021 ◽  
Vol 12 (6) ◽  
pp. 2642-2649
Author(s):  
Ghana Shyam Kafley, M. Chandrasekaran
Keyword(s):  
Banking Sector ◽  
Payment System ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Electronic Payment ◽  
Perceived Ease Of Use ◽  
Payment Systems ◽  
Study Results ◽  
Commercial World

The traditional payment system has got its own limitation to adopt recent developments in the commercial world. The growth of Electronic payment systems is inevitable in the Indian industrial and business scenario. Digital India movement of Indian Government also focuses move towards E-Payment systems. Technology has immense contribution to the growth and development of the banking sector. There have been massive changes in the concept of banking after the digitalization of India's banking sector. Commercial banks in India are facilitating their customers to develop a convenient platform for E- Payment system. In this present study, the researcher studied the relationship between the seven factors technological factors, security, Trust, social influence, internet connectivity, Perceived ease of use, Perceived Usefulness, and Intention to use to measure the adoption of e-payment systems in Madurai district. The study results show that Trust, Perceived Usefulness, and perceived ease of use are statistically significant, indicating that this variable has a positive effect on Intention to use e-payment.

scholarly journals Pertimbangan dan Sikap Milenial terhadap Minat Menggunakan E-Wallet: Pada Masa PSBB Pandemi Covid-19 di Kota Tangerang

2020 ◽  
Vol 3 (2) ◽  
pp. 64-81
Author(s):  
Humairoh Humairoh ◽  
Andi Kasuma Negara ◽  
Siti Asriah Immawati
Keyword(s):  
Large Scale ◽  
Sampling Technique ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Payment Systems ◽  
Paper Money ◽  
Digital Transactions ◽  
Intervening Variables

The government's policy to prevent or reduce the spread of the Covid-19 virus is to enforce the Large-Scale Social Restrictions (LSSR) so that transactions that previously use paper money and cash turn into digital transactions. So far, e-wallets are considered as a transaction facility that makes it easier for users. This study aims to analyze the differentiation attributes that affect millennial considerations and attitudes towards using to intention to use e-wallets during LSSR Covid-19 on millennials in Tangerang City. The research sample was 96 respondents using purposive sampling technique, namely millennials who use e-wallets in making payments. The instrument used was a structured questionnaire with a Likert scale of 1-5, data processing using the Smart PLS program. This study's results, the intention to use e-wallet of the millennial generation, were influenced by brand image, perceived ease of use, perceived usefulness through consideration millennial, and attitudes toward using as intervening variables with R2 adjusted 0.638. This study's results have implications for SMEs business actors to switch payment systems from cash payments to payments using e-wallets.

Behavioral Intention to Use Mobile Technology in Language Teaching

2020 ◽  
Vol 16 (4) ◽  
pp. 14-34
Author(s):  
Ibtehal Mahmoud Aburezeq ◽  
Fawzi Fayez Ishtaiwa-Dweikat ◽  
Marielle Patronis
Keyword(s):  
Technology Acceptance ◽  
Mobile Technology ◽  
Behavioral Intention ◽  
Language Teaching ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Study Results ◽  
Behavioral Intention To Use

This study aimed to qualitatively investigate the factors that influence teachers' behavioral intention to use mobile technology (BIU) for language teaching employing the original technology acceptance model (TAM) as a framework. Semi-structured interviews were conducted with 28 Arabic and English teachers. The study results revealed that there were several external variables influencing teachers' behavioral intention to use mobile technology. It was also found that participants had mixed levels of perceived ease of use (PEOU), perceived usefulness (PU), and attitude toward use (ATU). Moreover, it was concluded that ATU had a direct impact on BIU and PU was the responsible factor for participants who had a mixed ATU.

scholarly journals Modeling the Acceptance and Use of Electronic Medical Records from Patients’ Point of View: Evidence from Saudi Arabia

2020 ◽  
Author(s):  
Dalal Bamufleh
Keyword(s):  
Saudi Arabia ◽  
Behavioral Intention ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Proposed Model ◽  
Study Results ◽  
Facilitating Conditions

Abstract Background The employment of IT in healthcare reflects a need to meet the increasing demands of patients and to upgrade the quality and productivity of the provided services. However, the literature demonstrates many failures in systems and IT technology implementation in the context of healthcare. One of the reasons behind these failures is users’ resistance to accept such new technology. The ministry of health in Saudi Arabia has prioritized the embracing of new technologies that could level up the healthcare service, such as the adoption of electronic medical record (EMR) systems. On the other hand, studies that address the acceptance and use of hospital information systems and EMRs in Saudi Arabia from patients’ points of view are scarce. The aim of this study was to explore patients’ acceptance of an EMR system by testing a proposed theoretical model adapted from the technology acceptance model (TAM) and the unified theory of acceptance and use of technology (UTAUT). Methods An online questionnaire was used where questions were based on the proposed model constructs (facilitating conditions, perceived ease of use, perceived usefulness, attitude, and behavioral intention). One hundred sixteen patients responded to the questionnaire. The model was then tested using the structural equation modeling method to identify the factors that affect patients’ intention to use the online services of the EMR. Results The analysis of the research model suggested that (1) facilitating conditions that involved patients’ knowledge, skills, and the provided support by the hospital directly influenced the degree of perceived ease of use (PEOU) of the system. (2) PEOU directly affected the EMR’s perceived usefulness (PU). (3) PU directly affected patients’ attitudes (ATT) toward using the EMR. (4) A positive effect is found between ATT and the behavioral intention to use EMR. Conclusion The study results have implications for healthcare IT acceptance research and efforts in Saudi Arabia, as to date patients’ perspectives have received little attention. The research also makes a theoretical contribution as it validated the proposed model, which integrated constructs from TAM and UTAUT.

scholarly journals Factors Influencing Intention to Use SPayLater in Indonesia

2021 ◽  
Vol 8 (2) ◽  
pp. 285-294
Author(s):  
Rezki Orientani ◽  
Masmira Kurniawati
Keyword(s):  
Subjective Norm ◽  
Peer To Peer ◽  
Payment System ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Personal Innovativeness ◽  
Technological Developments ◽  
Peer Lending

Payment instruments are part of technological developments. The existence of this development is utilized by finance companies such as peer-to-peer lending technology. Peer-to-peer lending in Indonesia continues to increase, one of the products of peer-to-peer lending companies is SPayLater which is a product of Shopee Indonesia and PT. Lentera Dana. This study provides an overview of the effect of perceived ease of use, perceived usefulness, perceived compatibility towards attitude toward using and perceived cost, subjective norm, personal innovativeness on intention to use. This study uses a quantitative method by distributing 250 online questionnaires to Shopee consumers. Data analysis was carried out using SEM and assisted by PLS 3 software. The results of this study indicate that perceived ease of use does not affect attitude toward using SPayLater payment system, perceived cost and personal innovativeness do not affect intention to use the SPayLater payment system, while perceived usefulness, perceived compatibility, attitude toward using and subjective norm affect the intention to use the SPayLater payment system.

The moderation effect of gender on accepting electronic payment technology: a study on United Arab Emirates consumers

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Muhammad Turki Alshurideh ◽  
Barween Al Kurdi ◽  
Ra’ed Masa’deh ◽  
Said A. Salloum
Keyword(s):  
United Arab Emirates ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Payment Systems ◽  
Content Type ◽  
Moderation Effect ◽  
Perceived Security ◽  
The Common

Purpose This paper aims to investigate if perceived security, trust and perceived privacy affect both perceived usefulness and perceived ease of use. Also, the study explores if trust, perceived usefulness and perceived ease of use influence consumers’ intentions to use the e-payment system which is supported by testing the moderation effect of gender on the intention to use such systems in the higher education institutes. Design/methodology/approach In total, 850 participants from United Arab Emirates (UAE) universities have filled an online questionnaire prepared for these aims. The survey instrument is composed of 22 items. The primary data was used to test the study model, proposed constructs and the study hypotheses using the Smart PLS Software. Findings The research confirmed that perceived security, trust and perceived privacy affect both perceived usefulness and perceived ease of use. Also, the study found that trust, perceived usefulness and perceived ease of use have anticipated the significance of consumers’ intention to use e-payment system which is found also moderated by gender. Research outcomes indicated an important contribution towards the acceptance of e-payment systems and the common design of e-commerce systems. Originality/value Research outcomes have indicated an important contribution toward the acceptance of e-payment systems and the common design of e-commerce systems. Additionally, this study helped in increasing the reader’s understanding of various aspects of e-commerce, specifically consumers’ trust and privacy protection which consequently allows the online sellers to formulate appropriate strategies and actions imperative to serve the online purchasers and target the internet users.

Customer acceptance of cashless payment systems in the hospitality industry

2016 ◽  
Vol 28 (4) ◽  
pp. 801-817 ◽  
Author(s):  
Ahmet Bulent Ozturk
Keyword(s):  
Self Efficacy ◽  
Perceived Risk ◽  
Hospitality Industry ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Payment Systems ◽  
Content Type ◽  
Study Results ◽  
Practical Implications

Purpose The purpose of this study is to propose and test an extended version of technology acceptance model (TAM) to examine consumers’ acceptance of radio frequency identification (RFID) cashless payment systems in the hospitality industry. Design/methodology/approach A comprehensive structural model was developed by adding two additional constructs to original TAM, namely, self-efficacy and perceived risk. A self-administered online questionnaire was used to collect the data of the study from 305 respondents in the USA. Confirmatory factor analysis was conducted to validate the measurement model and structural equation modeling analysis was performed to test the proposed model. Findings Study results indicated that self-efficacy was significantly related to perceived ease of use. In addition, perceived risk significantly negatively influenced perceived usefulness and perceived ease of use. Study results further illustrated that perceived ease of use had a significant impact on perceived usefulness and both perceived ease of use and perceived usefulness were significantly associated with intention to use. Practical implications Study findings provide significant practical implications for US hospitality operators and technology vendors for identifying factors affecting users’ acceptance of RFID cashless payment systems in the hospitality industry. Originality/value By extending TAM, this study is one of the first studies to investigate RFID cashless payment system acceptance in the hospitality industry.

scholarly journals INTENTION TO USE FINGERPRINT SYSTEM IN ELECTRONICS INDUSTRY

2019 ◽  
Vol 7 (5) ◽  
pp. 536-544
Author(s):  
Suguna Sinniah Sinniah ◽  
Zafir Khan Mohamed Makhbul ◽  
Muthaloo Subramaniam ◽  
Gopal Perumal ◽  
Ramesh Kumar Moona Haji Mohamed
Keyword(s):  
Value Added ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Relative Advantage ◽  
Research Approach ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Study Results

Purpose: The aim of this study is to assist the Malaysian electronics companies in reducing the non-value added practices and in return, will minimize the cost and improves productivity with the use of the fingerprint system. Methodology: This study uses a quantitative research approach and data were sampled from 137 front-line employees using simple random sampling technique. Result: The empirical findings of the study confirm that perceived usefulness and perceived ease of use significantly affect the intention to use the fingerprint system. However, there was not enough evidence that relative advantage has any effect on the intention to use the system.  Implications: The study results affirmed that business organizations, especially electronic companies should transform their use of conventional attendance system to fingerprint system in improving efficiencies and effectiveness within the human resource practices.

scholarly journals MANFAAT DAN KEMUDAHAN YANG DIRASAKAN TERHADAP NIAT MENGGUNAKAN GO PAY PADA GENERASI Y DI SURABAYA

2020 ◽  
Vol 4 (2) ◽  
pp. 310
Author(s):  
Christina Sudyasjayanti ◽  
Sabila Salsabil
Keyword(s):  
Payment System ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Behavior Intention

Teknologi yang berkembang semakin canggih memberikan dampak yang baik dalam kehidupan, salah satunya pada bidang ekonomi. Contoh kemudahan yang ditimbulkan dalam bidang ekonomi adalah transformasi sistem pembayaran, saat ini pembayaran menggunakan uang tunai dirasa kurang efisien sehingga beberapa masyarakat mulai beralih dengan menggunakan pembayaran non tunai. Penelitian ini bertujuan untuk mengetahui pengaruh antara perceived usefulness terhadap behavior intention to use, perceived ease of use terhadap behavior intention to use, dan usia terhadap perceived usefulness dan perceived ease of use. Responden dalam penelitian ini berjumlah 150 orang pengguna layanan Go-Pay di Kota Surabaya yang termasuk dalam kategori Generasi Y. Hasil penelitian menunjukan bahwa perceived usefulness dan perceived ease of use berpengaruh terhadap behavior intention to use dan hanya usia 20-24 dan 35-40 yang terpengaruh oleh perceived usefulness dan perceived ease of use terhadap behavior intention to use.  The development of technology impacted on economical sectors. One example of the convenience posed in the economic field is the transformation of the payment system, currently payments using cash are considered to be less efficient so some people have begun to switch to using non-cash payments. This research is aimed to determine the effect of perceived usefulness towards behavior intention to use, perceided ease of use towards behavior intention to use, and age on perceived usefulness and perceived ease of use. There are 150 users of Go-Pay services in Surabaya that included to Y generation. This research showed that the variables perceived usefulness and perceived ease of use significantly affected behavior intention to use and only 20-24 and 30-34 years old that affected by perceived usefulness and perceived ease of use toward behavior intention to use.

scholarly journals MINAT PENGGUNAAN CASHLESS PAYMENT SYSTEM – DOMPET DIGITAL PADA MAHASISWA DI FE UNJ

2020 ◽  
Vol 11 (1) ◽  
pp. 1-19
Author(s):  
Ika Febrilia ◽  
Shela Puspita Pratiwi ◽  
Irianto Djatikusumo
Keyword(s):  
Structural Equation Modeling ◽  
Self Efficacy ◽  
Perceived Risk ◽  
Structural Equation ◽  
Payment System ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Intention To Use ◽  
Perceived Ease Of Use

Penelitian ini bertujuan untuk menguji pengaruh: a) self-efficacy terhadap perceived ease of use; b) self-efficacy terhadap perceived usefulness; c) perceived risk terhadap perceived usefulness; d) perceived risk terhadap intention to use; e) perceived usefulness terhadap intention to use; f) perceived ease of use terhadap intention to use; g) perceived ease of use terhadap perceived usefulness; untuk produk dompet digital pada mahasiswa di FE UNJ. Pengumpulan data dilakukan dengan menggunakan metode survei, yaitu dengan membagikan kuesioner. Setelah data terkumpul akan dilakukan pengujian terhadap validitas dan reliabilitas instrumen, yang dilanjutkan dengan uji hipotesis menggunakan SEM (Structural Equation Modeling) dengan bantuan program Amos 20.0. Hasil penelitian menunjukkan adanya pengaruh yang positif dan signifikan: a) self-efficacy terhadap perceived ease of use, b) perceived risk terhadap perceived usefulness, c) perceived risk terhadap intention to use, serta d) perceived ease of use terhadap perceived usefulness. Kata kunci: self-efficacy, perceived risk, perceived usefulness, perceived ease of use, intention to use, mahasiswa, FE UNJ

FACTORS AFFECTING THE ADOPTION OF ELECTRONIC MONEY USING TECHNOLOGY ACCEPTANCE MODEL AND THEORY OF PLANNED BEHAVIOR

2019 ◽  
Vol 24 (1) ◽  
pp. 100-113
Author(s):  
Filona ◽  
Misdiyono
Keyword(s):  
Theory Of Planned Behavior ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Electronic Money ◽  
Factors Affecting ◽  
Acceptance Model

With the rapid growth of information technology, electronic money has played an important and central role in the e-payment. Development of electronic money is able to create a trend less-cash society, which is a society’s behavior using non- cash transactions by utilizing the simplicity offered through electronic transactions. The purpose of this research is to determine the factors affecting the intention to use electronic money. We designed a questionnaire and used it to survey a simple random sampling of people who use of e-money in DKI Jakarta. The actual samples used for the study are 125 respondents. We analyzed the data using Structured Equation Modeling to evaluate the strength of the hypothesized effects. The result of the analysis showed that perceived ease of use has no significant effect on attitudes towards the use of e-money. Perceived ease of use has a significant effect on the perceived usefulness of e-money. Perceived usefulness has no significant effect on the intention to use e-money. Perceived usefulness has a significant effect on attitudes towards the use of e-money. Attitude has a significant effect on the intention to use e-money. Subjective norm has a significant effect on the intention to use e-money. Perceived behavioral control has no significant effect on the intention to use e-money. Keywords: electronic money, technology acceptance model, the theory of planned behavior.

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