scholarly journals Effort expectancy and social influence factors as main determinants of performance expectancy using electronic banking

2021 ◽  
Vol 16 (2) ◽  
pp. 27-37
Author(s):  
Igor Fedorko ◽  
Radovan Bačik ◽  
Beata Gavurova
Keyword(s):  
Social Influence ◽  
Statistical Tests ◽  
Linear Regression Analysis ◽  
Influence Factors ◽  
Internet Banking ◽  
Ease Of Use ◽  
Original Research ◽  
Electronic Banking ◽  
Expected Performance ◽  
The Impact

This study is aimed at determining the effect of expected effort and social influence factors on expected performance when using internet banking. The study adapts the constructs and definitions from the UTAUT model in the context of the adaptation of online banking technology. With regard to the nature of the variables analyzed, the following statistical tests and methods were used: calculation of average values using descriptive statistics; multiple linear regression analysis – to interpret associations between quantitative variables. Banks, as well as users of these banking services in the online environment, are the subject of research. The survey sample consists of 454 men and women and reflects the profile of online consumers across different countries of the European Union. The results of this study show the impact of the social influence construct on the respondents’ behavior when using electronic banking. The expected effort factor in the study significantly affects the expected performance factor, which can be characterized by original research, which showed that the effect of perceived ease of use on behavioral intent and use is incompatible with the degree of system complexity.

scholarly journals An Exploratory Study of Length and Frequency of Internet Banking Usage

2007 ◽  
Vol 2 (1) ◽  
pp. 76-85
Author(s):  
Booi Hon Kam ◽  
Hernan Riquelme
Keyword(s):  
Customer Satisfaction ◽  
Foreign Exchange ◽  
Exploratory Study ◽  
Internet Banking ◽  
Ease Of Use ◽  
Market Segments ◽  
Customer Base ◽  
Banking Service ◽  
The Impact ◽  
Exchange Transactions

The advent of Internet has provided banks an opportunity to reduce costs, increase customer base, and mass customize by delivering their products and services through this medium. A flurry of studies on Internet banking (IB) has since emerged. The majority of these studies, however, have been directed to either IB adoption or IB service quality delivery. With few exceptions, the impact that customer satisfaction with e-banking service qualities has on IB usage remains unexplored. This study examines a sample of Australian IB users based on their frequency and length of usage. The results show that as customers become more acclimatized to IB, they use these services more often. Further, daily and frequent IB users are more pleased with “ease of use” and “aesthetics” and tend to use IB more for electronic fund transfer and foreign exchange transactions than the less frequent users. The findings suggest that banks need to develop more customized services since there are distinct market segments with different banking requirements.

Are personal innovativeness and social influence critical to continue with mobile commerce?

2014 ◽  
Vol 24 (2) ◽  
pp. 134-159 ◽  
Author(s):  
June Lu
Keyword(s):  
Social Influence ◽  
Structural Equation ◽  
Mobile Commerce ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Continuance Intention ◽  
Content Type ◽  
Personal Innovativeness ◽  
The Impact

Purpose – The purpose of this paper is to report a study investigating the impact of personal innovativeness in information technology (PIIT) and social influence on user continuance intention toward mobile commerce (m-commerce) in the USA. Design/methodology/approach – A survey was conducted among undergraduate and graduate mobile users in a regional university. Structural equation modeling procedures were deployed to analyse 323 valid data points. Findings – The study found that among well-educated m-commerce users, user personal innovativeness as measured by PIIT and perceived usefulness, the determinants of initial adoption, remain as strong determinants of user continuance intention. PIIT also remains as the antecedent of perceived ease of use. Social influence has changed the pattern of influence on continuance intention. Research limitations/implications – This study is unable to investigate m-commerce user expectations and satisfaction levels. The small and convenient sample does not offer guarantee of the findings. Practical implications – M-commerce providers should pay adequate attention to personal innovativeness, since it affects mobile user willingness and capability to welcome and adapt to new services and features. They should always utilize social channels to gather feedback, to distribute new changes or features, and to exert positive influence. Originality/value – This study is one of the few examining the effect of PIIT in a post-adoption context and confirms its long-term psychological influence on continuance intention toward m-commerce. This study is also one of the initial to use discursive power perspective to study social influence on continuance intention in the mobile context.

scholarly journals The Effect of Digital Service Quality (BRIMO) on Customer Loyalty through Customer Trust and Satisfaction on COVID-19 Situation (Pt Bank Rakyat Indonesia Medan Regional Office)

2021 ◽  
Vol 8 (8) ◽  
pp. 263-271
Author(s):  
Martin Siagian ◽  
Endang Sulistya Rini ◽  
Syafrizal Helmi Situmorang
Keyword(s):  
Service Quality ◽  
Customer Loyalty ◽  
Internet Banking ◽  
Online Banking ◽  
Electronic Banking ◽  
Digital Service ◽  
Digital Services ◽  
Customer Trust ◽  
The Impact

Advances in information technology and the widespread use of the internet have changed the method of service delivery. Banks now provide their services through electronic banking (e-banking) channels. Personal computers and cell phones are media where customers can use e-banking services, with the terms “online banking”, “internet banking” and “electronic banking” being used interchangeably. BRImo is the latest application from BRI Mobile that combines the functions of mobile banking, internet banking, and electronic money or Tbank into one application with a more complete and attractive transaction menu, only by using a cellphone they can make transactions without having to go to the BRI office to reduce mobility and the spread of the Covid-19 virus in a pandemic situation. In the period from 2018 to 2020, there was an increase in BRImo application users from 384,412 people to 827,759. but not comparable to the large number of deposit customers of Bank BRI Medan Region, in 2020 only 14.43% of the 5,735,381 customers of Bank BRI Medan Region who use BRImo with an average transaction of 122 times per customer per year. Phenomenon which often happens to BRI Bank customers to the BRImo application, either directly or indirectly, such as the quality of digital services provided to customers who have not been satisfied by customers so that it has an impact on customers' decisions not to return to transactions using BRImo and the impact of these problems will decrease the number of transactions and a decrease in fee-based income in the online banking digital service application sector. The purpose of this study was to analyze the effect of BRImo's digital service quality on customer loyalty through customer trust and satisfaction in the Covid-19 situation at PT. Bank Rakyat Indonesia (Persero) Tbk Medan Branch Office. The population of this study is customer savings deposits, not corporate customers (group accounts), with the criteria of a sample of customers who use the BRImo application more than once with a total sample of 400 respondents. The sampling method used is purposive sampling; data analysis is carried out through PLS-SEM using the SmartPLS 3.0 program. The results of the study indicate that the quality of BRImo's digital services directly has a positive and significant effect on customer loyalty through customer trust and satisfaction. Keywords: BRImo Digital Service Quality, Customer Loyalty, Customer Trust, Customer Satisfaction.

scholarly journals Motives to engage with sports brands on Facebook and Instagram–The case of a Portuguese football club

2020 ◽  
Vol 21 (2) ◽  
pp. 325-349
Author(s):  
Joana César Machado ◽  
Carla Carvalho Martins ◽  
Frederico Correia Ferreira ◽  
Susana Costa e Silva ◽  
Paulo Alexandre Duarte
Keyword(s):  
Social Media ◽  
Social Influence ◽  
Online Survey ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Content Type ◽  
Content Consumption ◽  
The Social ◽  
Marketing Activities ◽  
The Impact

PurposeSocial network sites are key marketing tools that allow brands to connect and engage with consumers. However, there is still a lack of evidence of their value for football brands. This research aims to understand the motivations for fans to engage with their favourite football brands on Facebook and Instagram.Design/methodology/approachAn online survey was performed, resulting in 214 valid responses. As the social media strategy followed by the football brand analysed was built around games, the authors divided fans into two groups based on the main method in which the club's games are watched: in stadium versus mediated. Multiple linear regression analysis was used to explore the relationship between motivations and fans' engagement, through content consumption and contribution, on Facebook and Instagram. Analysis was performed first with the whole sample and then by group (stadium attendance vs mediated attendance fans).FindingsThe findings show that social influence, entertainment, searching for information and rewards are the most relevant motivations for consumers to engage with brand-related content on Facebook. Entertainment, rewards and social influence are the main motivations influencing consumer interactions on Instagram. Group moderation was only confirmed in the impact of social influence on Facebook page content consumption.Originality/valueThe results provide valuable insights into the social media marketing activities of sports brands, which will assist brand managers to develop strategies for effectively stimulating engagement with the different groups of fans.

Examining the Effect of Social Influence on Young Drivers’ Behavior

2018 ◽  
Vol 62 (1) ◽  
pp. 1394-1398 ◽  
Author(s):  
Fangda Zhang ◽  
Shashank Mehrotra ◽  
Shannon C. Roberts
Keyword(s):  
Social Influence ◽  
Motor Vehicle ◽  
Statistical Significance ◽  
Influence Factors ◽  
Driver Distraction ◽  
Crash Risk ◽  
Novice Drivers ◽  
Young Drivers ◽  
Study Participants ◽  
The Impact

Motor vehicle crashes are the leading cause of death for 15 to 20-year olds. Young/novice drivers have long been thought to be vulnerable to the impact of peer passengers, and thus have a higher crash risk. It has been proven that perceived risky behavior of close friends was the best psychosocial predictor of risk. Additionally, young drivers (18-20 years) have the highest involvement in distraction-related crashes. The goal of this study was to examine the effect of social influence and driver distraction on young drivers’ behavior. Twenty-four pairs of participants took part in the study. Participants drove in pairs and by themselves while completing four distraction tasks. Results showed that the presence of a passenger did not show statistical significance related to drivers’ behavior. However, other social influence factors did significantly impact drivers’ behavior, including stimulating companionship, type of friendship, and their interactions.

Selection of appropriate electronic banking channel alternative

2015 ◽  
Vol 33 (3) ◽  
pp. 223-242 ◽  
Author(s):  
Vaibhav Mishra ◽  
Vrijendra Singh
Keyword(s):  
Research Work ◽  
Pairwise Comparison ◽  
Past Research ◽  
Internet Banking ◽  
Ease Of Use ◽  
Mobile Banking ◽  
Electronic Banking ◽  
Content Type ◽  
Customer Base ◽  
Selection Of

Purpose – The purpose of this paper is to examine the important criteria responsible for the adoption of different electronic banking channel (EBC) alternatives in Indian perspective. It also evaluates the intensity of the various criteria, namely demographics, technological factors, service components and intention to use in determining the overall priorities of EBC. Design/methodology/approach – Data were collected from 110 respondents using pairwise comparison-based survey instrument. The collective data was analyzed using analytical hierarchy process and priorities of different EBC were computed. Findings – ATM was found out to be the most preferred EBC alternative, followed by internet banking (IB) and mobile banking. Awareness, self-efficacy, ease of use, usefulness and security were the criteria responsible for making ATM, the most preferred channel. Practical implications – This paper imparts a better understanding of customers’ preferences among different EBC alternatives. It also explores the relationship between different criteria and sub-criteria based on the data collected from both the parties involved in electronic banking, i.e. customers and bankers. This research would be helpful to guide the strategy maker of electronic banking, so that penetration rate may improve in India. This would also give an idea which factor should be given more emphases, while offering new electronic banking services. Considering same method, further detailed research on specific EBC is required. Similarly, studies of different demographic area may consider for robustness of concept. Originality/value – In the past research work, many researchers talked about the specific EBC and now it is needed to find the gap between all channels selection attitude, considering same parameters. Through pairwise comparison, priorities of different criteria and sub-criteria have been evaluated. This also leads to the selection of most preferred EBC. The results would also be useful in enhancing the customer base, thus reducing the barriers in the adoption of IB and mobile banking.

The future of women's football in Asia: a look at competitive balance in top 5 domestic football leagues from 2010 to 2019

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Ayushi Dutta ◽  
Sarthak Mondal ◽  
Shiny Raizada
Keyword(s):  
Negative Impact ◽  
Linear Regression Analysis ◽  
Original Research ◽  
Optimum Number ◽  
Economic Factors ◽  
Competitive Balance ◽  
Content Type ◽  
Two Measures ◽  
The Impact ◽  
Women's Football

PurposeThis paper analyses competitive balance in the “big five” women's football leagues in Asia longitudinally between 2010 and 2019.Design/methodology/approachCompetitive balance has been measured using recognised measures of concentration, HICB and NHICB, alongside recognised measures of dominance, i.e., identification of top teams. A time-trend analysis has been employed to identify trends of CB in the respective leagues followed by ANOVA and relevant post-hoc tests to identify difference in concentration measures. A multiple linear regression analysis has been conducted to identify the impact of external economic factors on CB.FindingsSome significant differences were detected in the levels of concentration between leagues. There was also some variation in terms of some leagues being dominated by a fewer number of teams. However, these two measures of competitive balance (concentration and dominance) were not necessarily correlated with each other. The paper also tries to find the optimum number of teams to maintain CB in the women's football leagues in Asia, but an exact figure could not be found.Research limitations/implicationsSome significant differences were detected in the levels of concentration between leagues. There was also some variation in terms of some leagues being dominated by a fewer number of teams. However, these two measures of competitive balance (concentration and dominance) were not necessarily correlated with each other. External economic factors were found to have negative impact on CB.Originality/valueThe paper is an original research and aims to add to the growing body of CB research in world through analysis of competitive balance (ACB).

Conceptual Model on Internet Banking Acceptance in China with Social Network Influence

2021 ◽  
Vol 5 (2) ◽  
Author(s):  
Guo Yi ◽  
Norziha Megat Mohd. Zainuddin ◽  
Nur Azaliah Bt Abu Bakar
Keyword(s):  
Social Network ◽  
Social Influence ◽  
Technology Acceptance ◽  
Structured Interview ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Behavioural Intention ◽  
Perceived Ease Of Use ◽  
Social Network Influence

The Internet of Things and Industry 4.0 is changing the way we live including Internet Banking. Although, the government has been encouraging, the acceptance of internet banking is still not well received by Chinese customers. The reason is because they are more concerned about the economic development on the banking industry, and less concerned about technology acceptance and its development. This lack of acceptance is also attributed to the current lack of social network influence to internet banking which including its weak compliance, lack of identification, and lack of internalization. This paper aims to identify the factors that may be influencing IB acceptance by proposing a model which can determine customer’s behavioural intention based on social network influence. The TAM, UTAUT and the Social Influence Theory (SIT) were simultaneously adopted for this study. It is to use the TAM model’s perceived ease of use and perceived usefulness, the UTAUT model’s social influence, and the SIT’s compliance, identification and internalization factor for the analysis. For this purpose, a preliminary study was first administered so as to identify customers’ attitude of the IB acceptance. Thirty respondents were recruited for a structured interview. The behavioural intention and social network influence on internet banking in China was then examined with the proposed model. It appears that the model can be used to forecast Chinese customers’ acceptance of internet banking. It will give benefits to bank and society on paying attention to the influence of social network for internet banking in China.

An Empirical Study of the Impact of Brand Name on Personal Customers' Adoption of Internet Banking in Hong Kong

2010 ◽  
Vol 6 (1) ◽  
pp. 32-51 ◽  
Author(s):  
T.C.E. Cheng ◽  
W.H. Yeung
Keyword(s):  
Hong Kong ◽  
Technology Acceptance ◽  
Explanatory Power ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Brand Name ◽  
Market Shares ◽  
The Impact

This study investigates whether brand name has an impact on personal customers’ adoption of Internet banking (IB) in Hong Kong. Based on the Technology Acceptance Model (TAM) with proper adaptation to the online environment, we propose a model comprising an external factor, namely brand name, and three constructs of technology adoption, namely perceived credibility, perceived usefulness and perceived ease of use to assess customers’ intention to use IB. In addition, we investigate the difference in the brand name’s effect on customers’ adoption of IB between banks with larger market shares and banks with smaller market shares. We collected data through a questionnaire survey and analyzed the data using structural equation modeling (SEM) to investigate the inter-relationships between the constructs and assess the overall explanatory power of the model. The results provided support for the model and confirmed its robustness in predicting the impact of brand name on personal customers’ adoption of IB in Hong Kong.

scholarly journals FACTORS AFFECTING ADOPTION OF E-WALLETS AMONG YOUTHS IN MALAYSIA

2020 ◽  
Vol 5 (19) ◽  
pp. 39-50
Author(s):  
Siew Chein Teo ◽  
Pei Li Law ◽  
Ah Choo Koo
Keyword(s):  
Social Influence ◽  
Influence Factors ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Factors Affecting ◽  
Tam Model ◽  
Quantitative Data Analysis ◽  
Perceived Security ◽  
Significant Factors

This study aims to identify the current level of e-wallet adoption among the youths in Malaysia and to examine the factors that drive them to get adapted to the ongoing implementation and development of e-wallet in Malaysia. This study extended the TAM model with perceived security and social influence factors for assessing the attitude among the Malaysian youths towards e-wallet adoption. 200 sets of questionnaires had been gathered from the Malaysian youths, Quantitative data analysis was performed via SPSS and Smart-PLS 3.0 program. The results indicate that perceived security, perceived ease-of-use, and social influence were the significant factors that influence or predict the intention of using e-wallets but leaving the perceived usefulness as an insignificant predictor towards the e-wallet adoption among the Malaysian youths.

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