scholarly journals MODELLING SMEs’ BEHAVIORAL INTENTION TO ADOPT ISLAMIC CROWDFUNDING-SMALL AND MEDIUM ENTERPRISES (ICSMEs) MODEL AS A SOURCE OF FINANCING IN MALAYSIA

2019 ◽  
Vol 4 (2) ◽  
pp. 293-310
Author(s):  
Mohamed Asmy Bin Mohd Thas Thaker
Keyword(s):  
Technology Acceptance ◽  
Behavioral Intention ◽  
Financial Services ◽  
Positive Impact ◽  
Small And Medium Enterprises ◽  
Perceived Usefulness ◽  
Primary Data ◽  
Intention To Adopt ◽  
Acceptance Model ◽  
Medium Enterprises

The present study has proposed Islamic Crowdfunding-Small and Medium Enterprises (ICSMEs) model to assist SMEs in meeting their need to access external financial services in Malaysia. Upon the proposed model, this study examines the behavioural intention of SMEs to use ICSMEs model. The primary data are collected from the survey administered to SMEs in the Klang Valley (n=250) and the analysis is conducted using Partial Least Squares (SmartPLS). Furthermore, the model has been validated its acceptance in the field by adopting the Technology Acceptance Model (TAM). This study has revealed that both the perceived usefulness and perceived easy to use are found to have a positive impact on the behavioral intention of SMEs to use ICSMEs model, which later assist them to access to financial services in Malaysia. Furthermore, perceived easy to use has a positive relationship and direct effect with perceived usefulness of SMEs to use the ICSMEs model. The findings of this study can be used to develop a specific framework in which to examine other components of using the ICSMEs model’s behavior and to plan appropriate intervention strategies to increase financial accessibility by SMEs.

scholarly journals THE BEHAVIOURAL INTENTION OF INVESTORS TO USE ISLAMIC BANKING’S INVESTMENT ACCOUNT PLATFORM (IAP) AS A SOURCE OF INVESTMENT PORTFOLIO: A STRUCTURAL EQUATION MODELING APPROACH

2017 ◽  
Vol 3 (1) ◽  
pp. 113-138 ◽  
Author(s):  
Mohamed Asmy Bin Mohd Thas Thaker ◽  
Hassanudin Bin Mohd Thas Thaker
Keyword(s):  
Structural Equation Modeling ◽  
Technology Acceptance ◽  
Behavioral Intention ◽  
Structural Equation ◽  
Positive Impact ◽  
Perceived Usefulness ◽  
Primary Data ◽  
Equation Modeling ◽  
Alternative Source ◽  
Acceptance Model

As an alternative source of financing, Investment Account Platform (IAP) becomes a new phenomenon of raising financing for SMEs from a large pool of investors via the internet, and investment diversification portfolio tools among investors in Malaysia. The purpose of this study is to identify critical factors that influence behavioral intention of investors to invest in IAP’s projects in Malaysia. The primary data (n=1000 respondents) are collected from the investors in the Klang Valley, Malaysia and the analysis is conducted using Structural Equation Modeling (SEM). Furthermore, the model has validated its acceptance in the field by adopting the Technology Acceptance Model (TAM). This study has revealed that both the perceived usefulness and perceived easy to use are found to have a positive impact on the behavioral intention of investors to use IAP in Malaysia. Furthermore, perceived easy to use has a positive relationship and direct effect with perceived usefulness of investors to use IAP.Keywords: Investment Account Platform, Financing, InvestmentJEL Classification: E22, G24, M13, M14

scholarly journals Impact of Technology Adoption and Its Utilization on SMEs in Ghana

2019 ◽  
Vol 2 (2) ◽  
pp. 1-13
Author(s):  
Afenya Millicent Selase ◽  
Aphu Elvis Selase ◽  
Abdul-Rahaman Ayishetu ◽  
Asime Dede Comfort ◽  
Amezado Stanley ◽  
...  
Keyword(s):  
Technology Adoption ◽  
Technology Acceptance ◽  
Small And Medium Enterprises ◽  
Market Performance ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Internet Technology ◽  
Primary Data ◽  
Technology Usage ◽  
Medium Enterprises

The study used a quantitative approach to identify technology adoption and its utilization effect on market performance of small and medium enterprises in Ghana, La-Nkwantanang municipality. The study combined the construct Of Technology Acceptance Model and Innovation Diffusion Theory to identify some factors which influence small and medium enterprises to adopt and use internet technology. Furthermore, the study examined some factors which also hinder the adoption and utilization of internet technology among small and medium enterprises. Finally, the study determined the relationship between in internet technology usage among small and medium enterprise and market performance. A sample size taken by the researchers was 100 from the small and medium enterprises in Madina La-Nkwatanang municipality. The researchers used structured questionnaires to gather primary data which was analyzed using smart PLS and SPSS and the following results were obtained perceived ease of use, perceived usefulness of internet technology, compatibility and cost effectiveness are some of the factors that influence the adoption and utilization of internet technology, however, there is a positive relationship between internet technology usage and market performance.

scholarly journals The Intentions to Wear Face Masks and the Differences in Preventive Behaviors between Urban and Rural Areas during COVID-19: An Analysis Based on the Technology Acceptance Model

2021 ◽  
Vol 18 (19) ◽  
pp. 9988
Author(s):  
Bo Zhang ◽  
Zhongjie Li ◽  
Lei Jiang
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Behavioral Intention ◽  
Perceived Risk ◽  
Positive Impact ◽  
Social Pressure ◽  
Perceived Usefulness ◽  
Extended Model ◽  
Social Image ◽  
Acceptance Model

The SARS-CoV-2 virus first emerged in late 2019 and has since spread quickly throughout China and become a global pandemic. As the situation with COVID-19 has evolved, wearing a face mask in public has grown commonplace. Using the technology acceptance model (TAM) as a foundation, this study introduces three new variables, namely, perceived risk, social pressure, and social image, to establish an extended model for investigating the factors that influence if residents wear masks. A total of 1200 questionnaires were distributed in China, from 1 February to 30 May 2020, through China’s largest online platform. The results indicate the following: 1. Residents’ positive attitude towards mask wearing promotes their behavioral intention to wear masks. 2. Perceived risk, social pressure, and social image have a positive impact on attitude towards mask wearing. 3. The intention to wear masks and attitude were both positively influenced by perceived usefulness. 4. The perceived usefulness is more influential in rural than urban groups, in terms of behavioral intention. This article proposes that public education on the facts related to the coronavirus, the threats posed by the COVID-19 pandemic to health, and the usefulness of face masks in preventing the transmission of COVID-19 could increase residents’ intention to wear a mask.

Determinants of SMEs intention to adopt Islamic crowdfunding model in Northwestern Nigeria

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Mansur Ahmed Kazaure ◽  
Abdul Rashid Abdullah ◽  
Dahlia Binti Zawawi ◽  
Amer Hamzah
Keyword(s):  
Technology Acceptance ◽  
Small And Medium Enterprises ◽  
Financial Model ◽  
Content Type ◽  
Intention To Adopt ◽  
Alternative Sources ◽  
Acceptance Model ◽  
Medium Enterprises ◽  
Practical Implications

Purpose The study aims is to examine the determinant factors of small and medium enterprises’ (SMEs’) intention to adopt the Islamic crowdfunding model as alternative sources of finance. Design/methodology/approach Using a survey questionnaire, 385 responses were received from owners and managers of SMEs in three states (Kano, Kaduna and Katsina) of northwestern Nigeria and analyses using PLS-SEM 3.0 software. Findings All hypotheses were found to be significant. Research limitations/implications The research focused only on northwestern Nigeria; there is a need for further research to focus on other geographical zones in Nigeria. Practical implications Crowd funders and policymakers can use these findings to enable the adoption of the Islamic crowdfunding model. Originality/value The previous study has not examined the role of technology acceptance model in the adoption of the financial model; these findings contribute to the crowdfunding literature by filling this gap.

The factors that influence small and medium enterprises’ intention to adopt the government credit program

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Rofikoh Rokhim ◽  
Iin Mayasari ◽  
Permata Wulandari
Keyword(s):  
Technology Acceptance ◽  
Direct Effect ◽  
Small And Medium Enterprises ◽  
Ease Of Use ◽  
Content Type ◽  
Intention To Adopt ◽  
The People ◽  
Usefulness Perception ◽  
Acceptance Model ◽  
Medium Enterprises

Purpose This study aims to analyze the adoption of the people entrepreneurship credit with online platform – a government-sponsored subsidy of small and medium enterprises to reduce poverty and to improve welfare – in the Central Java, Indonesia. The objective of the research is also to analyze the motivation of small and medium enterprises to adopt the credit with online platform in supporting business activities. The research framework used the technology acceptance model – the effect of perception of usefulness, perception of ease of use, subjective norm and four As – availability, affordability, awareness, acceptability and trust – to analyze them as the determinants on the intention to adopt the People Entrepreneurship Credit. Design/methodology/approach The quantitative method with survey was deployed in the study by distributing questionnaires. The number of collected data was 380 credit users, and the criteria used for the respondents were the small entrepreneurs with the use of the people entrepreneurship credit as the micro credit program. Findings Results indicated that perception of usefulness, perception of ease of use, subjective norm, availability, trust and affordability have direct effect on the intention to adopt the credit. Interestingly, the strongest direct effect on the adoption intention was more likely to come from the perception of ease of use. Meanwhile, awareness and acceptability have no direct effect on the intention to adopt. Originality/value This study provides new theoretical insights regarding the implementation of technology acceptance model to analyze the intention to adopt and the analysis of four As concept. The findings of the study will provide a better strategy for banking as service industries in formulating the program of credit access for the entrepreneurs to run the business properly.

scholarly journals Antecedents of the User Behavior for Online Businesses: A Case of Pakistan

2017 ◽  
Vol 3 (2) ◽  
pp. 199-208 ◽  
Author(s):  
Lutf Ullah ◽  
Muhammad Amjad Khan
Keyword(s):  
Technology Acceptance ◽  
Purchase Intention ◽  
User Behavior ◽  
Positive Impact ◽  
Purchase Intentions ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Primary Data ◽  
Perceived Ease Of Use ◽  
Acceptance Model

Purpose: This study tries to investigate the antecedents of user behavior like purchase intentions and e-loyalty in the context of Pakistan. More specifically, it studies the relationship between perceived flow, perceived usefulness, perceived ease of use and the user behavior constructs which this study considers are e-loyalty and purchase intentions. Design/Methodology/Approach: Primary Data is obtained through survey from 466 respondents and was analyzed through PLS-SEM approach. Findings: Findings suggest that perceived flow and technological acceptance model constructs which are perceived ease of use and perceived usefulness have significant positive impact on the e-loyalty and purchase intentions in the developing economy like Pakistan. Implications/Originality/Value: This study is a contribution to the literature acknowledging the importance of flow and technology acceptance model constructs as antecedents of user behavior for online businesses in the context of developing country like Pakistan. This study guides practitioners for designing such a website that make a user feel 'flow' situation while surfing their website. If they are able to make their visitors feel flow, they are more likely to generate purchase intention and develop e-loyalty for the e-vendor.

Factors influencing the adoption of the crowdfunding-waqf model (CWM) in the waqf land development

2018 ◽  
Vol 9 (3) ◽  
pp. 578-597 ◽  
Author(s):  
Mohamed Asmy Bin Mohd Thas Thaker
Keyword(s):  
Technology Acceptance ◽  
Positive Impact ◽  
Land Development ◽  
Perceived Usefulness ◽  
Primary Data ◽  
Future Research ◽  
Alternative Source ◽  
Content Type ◽  
Klang Valley ◽  
Acceptance Model

Purpose This paper aims to examine the behavioural intention of donors or crowd funders to use crowdfunding-waqf model (CWM), as this model is proposed to address the liquidity problem faced by waqf institution in Malaysia. Design/methodology/approach The primary data are collected from the survey administered to donors or crowd funders in Klang Valley and the analysis is conducted using Partial Least Squares (PLS). The model has validated its acceptance in the field by adopting the theory of Technology Acceptance Model (TAM). Findings This study has revealed that both the perceived usefulness and perceived easy to use are found to have a positive impact on the intention of donors or crowd funders in assisting waqf institution to develop waqf land in Malaysia. Furthermore, perceived easy to use has a positive relationship and direct effect with perceived usefulness of crowd funders to use the CWM. Research limitations/implications The variables that have been used based on TAM in this study are constantly in flux. There are other variables such as trust, social norm, orientations that might be affecting the adoption level of donors or crowd funders in Malaysia. In addition, the current study is covering only Klang Valley, Malaysia. Future research is nevertheless still required that incorporate other variables and extend the study to other states of Malaysia. Practical implications The findings of this paper will provide waqf institution with an alternative source for raising capital to develop waqf asset. The present study also has implications for government and policy makers. Originality/value To the best of the author’s knowledge, no study has incorporated an element of crowdfunding to develop waqf land. Thus, the present study is relevant in extending the importance of crowdfunding as a source of financing for waqf institutions in developing waqf land.

scholarly journals PENGUJIAN TECHNOLOGY ACCEPTANCE MODEL PADA MOBILE BANKING SEBAGAI DETERMINAN PERFORMA UMKM DI KOTA MAKASSAR

2019 ◽  
Vol 8 (3) ◽  
Author(s):  
Syarief Dienan Yahya ◽  
Harry Yulianto
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Significant Influence ◽  
Small And Medium Enterprises ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Personal Innovativeness ◽  
Acceptance Model ◽  
Medium Enterprises

Technology adoption plays an important role in competing and creating opportunities in business nowadays. Mobile Banking has changed the way the banking industry and business interact. Mobile Banking is an alternative business strategy for businesses to survive in an increasingly competitive business in today's digital era. This study will focus on adopting Mobile Banking technology and its role to improve the performance of Micro, Small and Medium Enterprises (MSMEs) by adapting the Technology Acceptance Model concept using several indicators from various previous studies which consist of Perceived Ease of Use, Perceived Usefulness, Social Norms, Perceived Risk, Relative Advantages, Personal Innovativeness and Cost as indicators. The study involved 278 Micro, Small and Medium Enterprises (MSMEs) in Makassar City by using a self-administered questionnaire, which was determined using the Purposive Sampling method. The result shows that simultaneously all indicators of the construct of Technology Acceptance Model had a positive and significant influence on the performance of Micro, Small and Medium Enterprises (MSMEs) in Makassar City. Furthermore, partially each indicator shows a positive and significant influence and personal innovativeness is the most dominant indicator in influencing Micro, Small and Medium Enterprises (MSMEs) performance. The findings of this study are expected to enrich the study related to the topic of Technology Acceptance Model in Mobile Banking and its relationship to improving the performance of Micro, Small and Medium Enterprises (MSMEs).

Modeling Users' Acceptance of Social Commerce

2018 ◽  
Vol 14 (4) ◽  
pp. 28-50
Author(s):  
Vaggelis Saprikis ◽  
Angelos Markos
Keyword(s):  
Technology Acceptance ◽  
Behavioral Intention ◽  
Social Networking Site ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Social Commerce ◽  
Perceived Ease Of Use ◽  
Intention To Adopt ◽  
Acceptance Model ◽  
Industry Sectors

Social commerce creates a range of tremendous opportunities and new revenue streams for businesses worldwide across all industry sectors. To keep up with this pace, companies increasingly want to understand the behavioral attitude of social networking site (SNS) users. This article examines SNS users' reaction towards different parameters that would influence their intention to purchase products and services through or via SNS. The extant literature focuses on understanding the factors that might affect consumers' behavioral intention to adopt social commerce. In this study, new theoretical constructs are combined with existing evidence in order to extend the technology acceptance model as it was initially established by Davis and later further enriched by other researchers. The proposed conceptual model includes behavioral intention, perceived ease of use, perceived usefulness, trust, enjoyment, closeness, familiarity and reward.

Analyzing Behaviors Influencing Use of Mobile Coupons from the Perspective of Transaction Utility

2013 ◽  
Vol 41 (3) ◽  
pp. 433-441 ◽  
Author(s):  
Hi-Hsian Chiang ◽  
Hung-Yuan Lin ◽  
Siao-Cen Tu
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Behavioral Intention ◽  
Utility Theory ◽  
Positive Impact ◽  
Perceived Usefulness ◽  
Positive Attitudes ◽  
Mobile Coupons ◽  
Acceptance Model ◽  
Behavioral Intention To Use

We explored the antecedents of mobile coupon use based on acquisition-transaction utility theory (Lichtenstein, Netemeyer, & Burton, 1990) and the technology acceptance model (TAM; Davis, 1989). We analyzed data collected from 365 mobile phone users in Taiwan and developed a theoretical and empirical model. The results indicate that consumers with a higher degree of coupon proneness are more likely to recognize the usefulness of mobile coupons, and have more positive attitudes and behavioral intention toward coupon use. Both consumers' perceived usefulness and attitudes toward use appeared to have an equal and positive impact on their behavioral intention to use.

Sign in / Sign up

Export Citation Format

Share Document