Factors Determining the Use and Acceptance of Mobile Banking in Colombia

The purpose of this paper is to identify the factors that influence the acceptance and use of mobile banking among users in Medellín (Colombia). The factors we propose are built upon on seven constructs (customer service and support, perceived attitude, perceived usefulness, ease of use, perceived trust, intention to use, and perceived security), which were developed based on the Technology Acceptance Model (TAM) and the literature. We collected the data from 220 questionnaires self-administered by mobile banking users in Medellín. Subsequently, we conducted a confirmatory factor analysis to determine the correlation between the set of observed variables and the constructs defined in the proposed acceptance model. We empirically conclude that the use of mobile banking among the population under study is mainly influenced by users’ perceived usefulness, perceived trust, and ease of use. The results show a strong correlation between perceived trust and perceived security and between perceived usefulness and intention to use.

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Analisis Minat Penggunaan Dompet Digital LinkAja dengan Pendekatan Technology Acceptance Model (TAM) di Bandung

Jurnal Manajemen dan Organisasi ◽

10.29244/jmo.v12i2.34462 ◽

2021 ◽

Vol 12 (2) ◽

pp. 134-45

Author(s):

Teguh Widodo ◽

Sofia Fauziana Putri

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Role Models ◽

Subjective Norms ◽

Ease Of Use ◽

Perceived Usefulness ◽

Intention To Use ◽

Perceived Security ◽

Acceptance Model ◽

Digital Wallets

The purpose of this study is to analyze the factors that influence the intention to use of digital wallets with an expanded approach of technology acceptance model by adding subjective norms and perceived security as exogenous variables. Subjective norms variable is hypothesized either directly or indirectly through the endogenous variables in TAM to influence intention to use, while perceived security variable is hypothesized to have a direct effect. The hypotheses that have been submitted forms a theoretical framework as structural equation model (SEM). Empirical data was collected through an online survey of 233 respondents who answered 23 questionnaire questions in full. The selection of respondents is determined by purposive—non-probability sampling approach from active users of LinkAja in Bandung whose population is not yet known. The software used to perform the statistical tests of informing that all indicators used meet the criteria of validity and reliability, the ten hypotheses submitted are all accepted based on the t-significance test and strong determining factor. The five TAM variables and their expansion have a positive and significant effect on the intention to use. The biggest influence of antecedent variables on the intention to use sequentially is subjective norms, perceived usefulness, attitude, perceived ease of use, and the smallest is perceived security. In increasing the intention to use, operators should prioritize on increasing subjective norms from prospective users, such as testimonials from role models about the ease of use, convenience, and attractiveness of the digital wallets.

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Mobile Commerce Adoption From Consumers Perspective

International Journal of Information Systems and Social Change ◽

10.4018/ijissc.2018040102 ◽

2018 ◽

Vol 9 (2) ◽

pp. 12-27 ◽

Cited By ~ 2

Author(s):

Radwan Moh'd Al-Dwairi ◽

Laith M.K. Al-Shraideh ◽

Emad A. Abu-Shanab

Keyword(s):

Service Quality ◽

Technology Acceptance ◽

Subjective Norms ◽

Ease Of Use ◽

Perceived Usefulness ◽

Adoption Process ◽

Perceived Ease Of Use ◽

Perceived Trust ◽

Perceived Security ◽

Acceptance Model

In response, to little research focused on how Jordanians perceive and respond to m-commerce and the main factors that govern its adoption and use, this article proposes a conceptual model that extends the technology acceptance model (TAM) with important factors related to consumers and companies like perceived trust, perceived security, subjective norms and service quality. The proposed model was validated and then tested utilizing a sample of 200 students. Results indicate that a perceived ease of use, a perceived usefulness and service quality are the major drivers of m-commerce adoption among Jordanian users. In contrast perceived trust, perceived security, and subjective norms are not significant toward the adoption process. A detailed analysis and results follows this article.

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Research on the use intention of potential designers of unmanned cars based on technology acceptance model

PLoS ONE ◽

10.1371/journal.pone.0256570 ◽

2021 ◽

Vol 16 (8) ◽

pp. e0256570

Author(s):

Tianyang Huang

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Ease Of Use ◽

Perceived Usefulness ◽

Intention To Use ◽

Perceived Ease Of Use ◽

Perceived Trust ◽

Perceived Enjoyment ◽

Acceptance Model ◽

Positive Effect

The success of unmanned car, an emerging tool of transportation with so many advantages, depends to a large extent on its user acceptability. Potential designers are both the decision makers of driverless car design and the users of driverless cars. This study aims to explore the influencing factors of the potential designers’ intention to use unmanned cars. Based on the theory of Technology Acceptance Model (TAM), this study further expanded the TAM by incorporating perceived trust, perceived enjoyment and self-efficacy, so as to explain and predict potential designers’ intention to use unmanned cars. The questionnaire is determined through theoretical literature, pre-tests, etc., and the Structural Equation Model is used to analyze the data of 202 valid survey samples to investigate the influencing factors of the willingness to use unmanned vehicles. The results show that potential designers’ intention to use unmanned cars is positively affected by perceived trust, perceived enjoyment, perceived usefulness and perceived ease of use, and perceived trust has a positive effect on perceived ease of use, self-efficacy and perceived ease of use also have a positive effect on perceived usefulness. The findings of this study can provide designers and developers of unmanned cars, policy makers and implementers with guidance in the follow-up design, policy formulation and advertising of unmanned cars.

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Determinants of Behavioral Intention to Mobile Banking in Arab Culture

Advances in Wireless Technologies and Telecommunication - Research and Design Innovations for Mobile User Experience ◽

10.4018/978-1-4666-4446-5.ch008 ◽

2014 ◽

pp. 139-149

Author(s):

Abdullah Rashed ◽

Henrique M.D. Santos

Keyword(s):

Technology Acceptance ◽

New Technology ◽

Ease Of Use ◽

Perceived Usefulness ◽

Intention To Use ◽

Mobile Banking ◽

Perceived Ease Of Use ◽

Arab Culture ◽

Acceptance Model ◽

Technology Tool

Nowadays, new tools and technologies are emerging rapidly. They are often used cross-culturally before being tested for suitability and validity. However, they would be validated to ensure that they work with all users, not just part of them. Mobile banking (as a new technology tool) has been introduced assuming that it performs well concerning authentication among all members of the society. We aim to validate mobile banking intention to use, through Technology Acceptance Model (TAM), focused on security, in Arabic countries, namely Yemen. The results confirm the previous studies that have shown the importance of perceived ease of use and perceived usefulness.

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Determinants of Behavioral Intention to Mobile Banking in Arab Culture

Banking, Finance, and Accounting ◽

10.4018/978-1-4666-6268-1.ch067 ◽

2014 ◽

pp. 1253-1262

Author(s):

Abdullah Rashed ◽

Henrique Santos

Keyword(s):

Technology Acceptance ◽

New Technology ◽

Ease Of Use ◽

Perceived Usefulness ◽

Intention To Use ◽

Mobile Banking ◽

Perceived Ease Of Use ◽

Arab Culture ◽

Acceptance Model ◽

Technology Tool

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AIC Algorithm for E-Wallet Payment in the COVID-19 Pandemic in Vietnam

10.4018/978-1-7998-9035-5.ch016 ◽

2022 ◽

pp. 309-319

Author(s):

Khoi Huy Bui

Keyword(s):

Technology Acceptance ◽

Perceived Risk ◽

Optimal Choice ◽

Ease Of Use ◽

Perceived Usefulness ◽

Intention To Use ◽

Perceived Ease Of Use ◽

Perceived Trust ◽

The World ◽

Acceptance Model

The COVID-19 pandemic is continuously developing owing to the development of a new strain of coronavirus. Society is difficult with people's needs being higher, especially in daily spending and consumption, but many consumers are also tending to not want to keep too much cash on hand. In addition, the world is facing the COVID-19 pandemic, and Vietnam, in particular, has pushed businesses to focus on developing a cashless payment application called an e-wallet to pay bills to meet consumer needs. This chapter is based on concepts and theories of the technology acceptance model related to intention to use the e-wallets to form the research model comprising the independent factors of perceived usefulness, perceived ease of use, perceived risk, social influence, and perceived trust. This study uses the optimal choice of the AIC algorithm, and all the factors are acceptable.

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

Journal of Business Economics ◽

10.35760/eb.2019.v24i1.1858 ◽

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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Analysis of E-Marketplace Use in East Java’s MSMEs Using the Technology Acceptance Model Approach

KnE Social Sciences ◽

10.18502/kss.v5i5.8853 ◽

2021 ◽

Author(s):

Rurid Dwi Anggraeny ◽

Imam Baihaqi

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Behavioral Intention ◽

Technology Use ◽

Ease Of Use ◽

Perceived Usefulness ◽

Intention To Use ◽

Perceived Ease Of Use ◽

Acceptance Model ◽

Behavioral Intention To Use

The e-commerce industry has the potential to be one of the drivers of the domestic economy. One of the impacts of the advancement of e-commerce is the emergence of many online-based marketplaces or so-called e-marketplaces. However, a lot of these online marketplaces sell 90% imported products. In addition, the outbreak of Covid-19 in Indonesia has prompted the government to establish several policies that have significantly reduced MSME performance by up to 70-100%. This study aimed to provide an empirical analysis of the influence of factors based on the Technology of Acceptance Model (TAM) approach, namely e-marketplace self-efficacy, complexity, perceived usefulness, perceived ease of use, attitude towards using, behavioral intention to use, and actual technology use in e-marketplaces. The sample consisted of MSMEs in East Java, especially those engaged in the food and beverage industry sector with ready-to-eat processed food products whose business activities use the Shopee e-marketplace application platform. This is an online shopping marketplace focused on mobile platforms. There were 150 respondents. The Structural Equation Model (SEM) was used. E-marketplace self-efficacy, complexity, perceived usefulness, perceived ease of use, attitude towards using, behavioral intention to use, and actual technology use in e-marketplaces all had positive effects on each other. This showed that a system that offers convenience will improve behavior, habits, and performance for MSMEs in using e-marketplace activities. The theoretical and methodological implications and opportunities for further research are discussed. Keywords: MSMEs, e-marketplace, technology acceptance model

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A comprehensive acceptance model for smart home services

International Journal of Data and Network Science ◽

10.5267/j.ijdns.2021.10.005 ◽

2022 ◽

Vol 6 (1) ◽

pp. 45-58 ◽

Cited By ~ 1

Author(s):

Amer Al-Husamiyah ◽

Mahmood Al-Bashayreh

Keyword(s):

Technology Acceptance ◽

Smart Home ◽

Structural Equation ◽

Ease Of Use ◽

Perceived Usefulness ◽

Equation Modeling ◽

Smart Devices ◽

Intention To Use ◽

Perceived Ease Of Use ◽

Acceptance Model

Smart home services (SHSs) afford users an effective lifestyle management system, which provides human-oriented networking of smart devices and applications that enable users to control their homes from anywhere at any time. Despite the benefits of SHSs, however, their acceptance is very low. There remains a gap in the literature in terms of a comprehensive model that addresses users’ intention to use SHSs. To address this gap, the present study explored the factors that influence SHS acceptance among users based on well-established theoretical frameworks, such as the technology acceptance model, innovation diffusion theory, and the theory of planned behavior. To this end, the study integrated four additional factors, namely, perceived convenience, perceived connectedness, perceived cost, and perceived privacy risk, into the exploration and carried out structural equation modeling to quantitatively determine the effects of these factors. Questionnaires were administered to 750 users. The findings indicated that perceived compatibility, perceived convenience, perceived connectedness, perceived cost, perceived behavioral control with perceived usefulness, and perceived ease of use directly and indirectly exerted a significant influence on users’ intention to use SHSs.

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Technology Acceptance Model Modification for Electronic Wallet Users in Jakarta

Modern Economics ◽

10.31521/modecon.v26(2021)-03 ◽

2021 ◽

Vol 26 (1) ◽

pp. 17-24

Author(s):

Almi Budiman ◽

◽

Baruna Hadibrata ◽

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Perceived Risk ◽

Ease Of Use ◽

Perceived Usefulness ◽

Mobile Payment ◽

Perceived Ease Of Use ◽

Perceived Trust ◽

Money Transfers ◽

Acceptance Model

Introduction. The development of mobile payment in Indonesia is increased, especially by the emergence of the two biggest electronic payments, such as Go-Pay and Ovo, which aggressively offer various interesting offers. This affects the enhancement of the use of mobile payment by the public. In the beginning, server-based electronic money services of its appearance were still small, including credit top-up and internet data, and money transfers to banks that include as a member of ATM Bersama (joint ATM). Along with the development of technology, electronic wallets begin to transform by expanding payment services, and several latest e-wallet applications have emerged. Purpose. The purpose of this research is to understand the changes in consumers’ behavior that make payments from using cash and switching to electronic wallets. Results. The results of the analysis in this study were obtained as the below: (1) Perceived ease of use, perceived usefulness, perceived security, and perceived risk and trust have an influence on the intention to use e-wallet electronic application; (2) perceived ease of use and perceived risk have an influence on perceived usefulness of e-wallet user and (3) perceived ease of use, perceived risk, and perceived usefulness influence the perceived trust of e-wallet application users. Conclusions. It can be concluded that the technology acceptance model influences the user in using the electronic wallet as their transaction method since its usage can be trusted. Moreover, the benefit they got from electronic wallet (perceived usefulness) influence their trust and increase the intention of using an electronic wallet

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