scholarly journals E-PAYMENT AT THE LOCAL GOVERNMENT LEVEL: A STUDY OF MAJLIS BANDARAYA SHAH ALAM AND MAJLIS DAERAH KAMPAR

2014 ◽  
Author(s):  
Rustam Khairi Zahari ◽  
Raja Noriza Raja Ariffin ◽  
Nurhawani Zamin ◽  
Noorzailawati Mohd Noor
Keyword(s):  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Electronic Government ◽  
Payment Method ◽  
Perceived Ease Of Use ◽  
Intention To Adopt ◽  
Online Payment ◽  
Ict Adoption ◽  
Collection Data

Information and Communication Technology (ICT) adoption through the implementation of electronic government (e-Government) helps improves local authority‘s service delivery for the benefit of the community. Many of the local authorities have adopted the online payment method for the assessment rate collection. Despite the notion that e-Government increased productivity and improved efficiency, citizen‘s usage is still considered minimal and has been comparatively low especially in services involving transactional. This study investigates the factors influencing the usage of online payment method in local authority‘s assessment rate collection. Data for this study was collected through questionnaire, interview and document analysis. The findings showed that perceived usefulness, perceived ease of use, perceived risk, payment receipt issuance and income level seem to influence user‘s intention to adopt the online payment method.

scholarly journals E-PAYMENT AT THE LOCAL GOVERNMENT LEVEL: A STUDY OF MAJLIS BANDARAYA SHAH ALAM AND MAJLIS DAERAH KAMPAR

2014 ◽  
Vol 12 (3) ◽  
Author(s):  
Rustam Khairi Zahari ◽  
Raja Noriza Raja Ariffin ◽  
Nurhawani Zamin ◽  
Norzailawati Mohd Noor
Keyword(s):  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Electronic Government ◽  
Payment Method ◽  
Perceived Ease Of Use ◽  
Intention To Adopt ◽  
Online Payment ◽  
Ict Adoption ◽  
Collection Data

Information and Communication Technology (ICT) adoption through the implementation of electronic government (e-Government) helps improves local authority‘s service delivery for the benefit of the community. Many of the local authorities have adopted the online payment method for the assessment rate collection. Despite the notion that e-Government increased productivity and improved efficiency, citizen‘s usage is still considered minimal and has been comparatively low especially in services involving transactional. This study investigates the factors influencing the usage of online payment method in local authority‘s assessment rate collection. Data for this study was collected through questionnaire, interview and document analysis. The findings showed that perceived usefulness, perceived ease of use, perceived risk, payment receipt issuance and income level seem to influence user‘s intention to adopt the online payment method.

A Study on Behavior Intention to Adopt Mobile Banking Apps

2021 ◽  
Vol 13 (2) ◽  
pp. 60-72
Author(s):  
Phan Dai Thich
Keyword(s):  
Social Influence ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Influential Factor ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Behavior Intention ◽  
Intention To Adopt ◽  
Tam Model

This study aims to examine the factors influencing consumers' behavior intention to adopt mobile banking apps. The research uses the TAM model with additional variables such as social influence and perceived risk to evaluate how these factors impact the behavior intention of young customers toward adopting mobile banking services. PLS-SEM was used as the main research method. The findings from this paper reaffirmed that perceived usefulness and social influence are the most influential factor in behavior intention, but perceived ease of use and perceived risk showed insignificant impacts on young consumers' behavior intention in Vietnam. This paper also found that perceived ease of use had no direct impact on behavior intention but an indirect impact through facilitating perceived usefulness. This subject makes a practical and academic contribution in the context of a developing country where is lacking research in mobile banking apps.

scholarly journals Investigating the factors influencing the adoption of m-banking: a cross cultural study

2015 ◽  
Vol 33 (4) ◽  
pp. 545-570 ◽  
Author(s):  
Gary Mortimer ◽  
Larry Neale ◽  
Syed Fazal E Hasan ◽  
Benjamin Dunphy
Keyword(s):  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Future Research ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Confirmatory Factor Analyses ◽  
Web Based ◽  
Content Type ◽  
Intention To Adopt

Purpose – Little is known about the adoption of mobile banking technologies in emerging Asian economies. The purpose of this paper is to empirically examine the motivators that influence a consumer’s intentions to use mobile banking. Design/methodology/approach – A web-based survey was employed to collect data from 348 respondents, split across Thailand and Australia. Data were analysed by employing exploratory and confirmatory factor analyses, path and invariance analyses. Findings – The findings indicate that for Australian consumers, perceived ease of use, perceived usefulness (PU) and perceived risk (PR) were the primary determinants of mobile banking adoption. For Thai consumers, the main factors were PU, PR and social influence. National culture was found to impact key antecedents that lead to adoption of m-banking. Research limitations/implications – The actual variance explained by the study’s model was higher in Australia (59.3 per cent) than for Thailand (23.8 per cent), suggesting future research of m-banking adoption in emerging Asian cultures. Practical implications – The authors identify the important factors consumers consider when adopting m-banking. The findings of this research give banking organisations a foundational model that can be used to support m-banking implementation. Originality/value – The study is perhaps the first to examine and compare the intention to adopt m-banking across Thai and Australian consumers, and responds to calls for additional research that generalises m-banking and m-services acceptance across cultures. This study has proposed and validated additional constructs that are not present in the original SST Intention to Use model.

scholarly journals Exploring Consumers’ intention to adopt Mobile Payment system in Ghana

2022 ◽  
Vol 14 (1) ◽  
pp. 0-0
Keyword(s):  
Structural Equation ◽  
Positive Influence ◽  
Payment System ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Payment Method ◽  
Perceived Ease Of Use ◽  
Intention To Adopt

In this paper, we examined consumers’ intention to adopt and use mobile payment method in Ghana. Data for the study was obtained from a sample of 260 respondents through online and direct survey using structured questionnaire. Structural Equation Modeling was used to analyse the data through SPSS v.22 and SmartPLS v.3. Findings with regards to the determinants of mobile payment system adoption indicate that perceived security, attitude and perceived usefulness play active roles in consumers decision to adopt mobile payment method in Ghana. Also, perceived usefulness and perceived ease of use have a significant and positive influence on consumers’ attitude towards mobile payment adoption. Further, subjective norm was found to influence perceived usefulness and perceived ease of use of mobile payment adoption in Ghana. The study contributes to literature on mobile payment system from developing country context. The study proffered some recommendations.

scholarly journals Exploring Consumers’ intention to adopt Mobile Payment system in Ghana

2022 ◽  
Vol 14 (1) ◽  
pp. 0-0
Keyword(s):  
Structural Equation ◽  
Positive Influence ◽  
Payment System ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Payment Method ◽  
Perceived Ease Of Use ◽  
Intention To Adopt

In this paper, we examined consumers’ intention to adopt and use mobile payment method in Ghana. Data for the study was obtained from a sample of 260 respondents through online and direct survey using structured questionnaire. Structural Equation Modeling was used to analyse the data through SPSS v.22 and SmartPLS v.3. Findings with regards to the determinants of mobile payment system adoption indicate that perceived security, attitude and perceived usefulness play active roles in consumers decision to adopt mobile payment method in Ghana. Also, perceived usefulness and perceived ease of use have a significant and positive influence on consumers’ attitude towards mobile payment adoption. Further, subjective norm was found to influence perceived usefulness and perceived ease of use of mobile payment adoption in Ghana. The study contributes to literature on mobile payment system from developing country context. The study proffered some recommendations.

Determining Antecedents of Intention to Adopt Goods and Service Tax Network

2020 ◽  
Vol 12 (1) ◽  
pp. 30-41
Author(s):  
Navneet Guleria
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Perceived Ease Of Use ◽  
Indian Government ◽  
Intention To Adopt ◽  
The Government

With the changing worldwide economic scenario, there occurs a need to structure new tax reforms especially for a developing country like India. With this ideation, the Indian government introduced the goods and service tax (GST) in order to conceptualise a common tax system. However, with digitalization transforming every service from offline to online mode, the government developed a not-for-profit website, GST network (GSTN), where citizens can smoothly and securely file their returns. Since the concept is new, studying the GSTN adoption by considering technology acceptance model (TAM) and unified theory of adoption and use of technology (UTAUT) variables becomes a novel approach. The article considers perceived ease of use, perceived usefulness, perceived risk, social influence, and facilitating conditions as exogenous variables whereas intention to adopt GSTN is considered as endogenous one. A partial least square (PLS) path modelling approach is applied on a survey data in order to validate the hypothesised model.

Adoption of artificial intelligence in banking services: an empirical analysis

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Mahfuzur Rahman ◽  
Teoh Hui Ming ◽  
Tarannum Azim Baigh ◽  
Moniruzzaman Sarker
Keyword(s):  
Artificial Intelligence ◽  
Perceived Risk ◽  
Data Privacy ◽  
Banking Industry ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Banking Services ◽  
Content Type ◽  
Intention To Adopt

PurposeThis study aims to understand the importance and challenges of adopting artificial intelligence (AI) in the banking industry in Malaysia and examine the factors that are important in investigating consumers' intention to adopt AI in banking services.Design/methodology/approachThe qualitative research was carried out using in-depth interviews from officials in the baking industry to understand the importance and challenges of adopting AI in the banking industry. In the quantitative study, a total of 302 completed questionnaires were received from Malaysian banking customers. The data were analysed using the SmartPLS 3.0 software to identify the important predictors of their intention to adopt AI.FindingsThe qualitative results reveal that AI is an essential tool for fraud detection and risk prevention. The absence of regulatory requirements, data privacy and security, and lack of relevant skills and IT infrastructure are significant challenges of AI adoption. The quantitative results indicate that attitude towards AI, perceived usefulness, perceived risk, perceived trust, and subjective norms significantly influence intention to adopt AI in banking services while perceived ease of use and awareness do not. The results also show that attitude towards AI significantly mediates the relationship between perceived usefulness and intention to adopt AI in banking services.Practical implicationsFinancial technology (FinTech) is regarded as a critical determinant of strategic planning in the banking industry. While AI provides various disruptive opportunities in the FinTech space in terms of data collection, analysis, safeguarding and streamlining processes, it also poses a sea of threats to incumbent banks. This study provides vital insights for the policymakers of the banking industry to address the challenges of adopting AI in banking. It also provides the important predictors of the bank customers' intention to adopt AI in banking services. Policymakers can devise their strategies to enhance AI adoption considering the facts.Originality/valueThis study is amongst the pioneer in exploring the importance and potential challenges in implementing AI technology in banking services and identifying the essential factors influencing the intention to adopt AI in Malaysia's banking services.

scholarly journals Exploring Consumers’ intention to adopt Mobile Payment system in Ghana

2022 ◽  
Vol 14 (1) ◽  
pp. 0-0
Keyword(s):  
Structural Equation ◽  
Positive Influence ◽  
Payment System ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Payment Method ◽  
Perceived Ease Of Use ◽  
Intention To Adopt

In this paper, we examined consumers’ intention to adopt and use mobile payment method in Ghana. Data for the study was obtained from a sample of 260 respondents through online and direct survey using structured questionnaire. Structural Equation Modeling was used to analyse the data through SPSS v.22 and SmartPLS v.3. Findings with regards to the determinants of mobile payment system adoption indicate that perceived security, attitude and perceived usefulness play active roles in consumers decision to adopt mobile payment method in Ghana. Also, perceived usefulness and perceived ease of use have a significant and positive influence on consumers’ attitude towards mobile payment adoption. Further, subjective norm was found to influence perceived usefulness and perceived ease of use of mobile payment adoption in Ghana. The study contributes to literature on mobile payment system from developing country context. The study proffered some recommendations.

Using Technology Acceptance Model to Study Customers’ Perception Towards Green Banking

Think India ◽  
2019 ◽  
Vol 22 (3) ◽  
pp. 402-409
Author(s):  
Deepak Shrivastava ◽  
Apurva Shrivastava ◽  
Gyan Prakash
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Risk ◽  
New Technology ◽  
Banking System ◽  
Point Of View ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Acceptance Model

Tech-friendliness in this new era is an important quotient considered and the persons’ acceptance towards the technology frequency matters a lot. But still the frequency varies from person to person, this brought in the concept of Technology Acceptance Model given by Fred Davis in 1989. The theory of TAM is based on two theories that are Theory of Reasoned Action and Theory of Planned Behavior, TAM is extended version of these two. Green Banking is a new technology introduced by the banks that focuses on the growth of Sustainable development and Banking system too. Thus, banks ask their customers to use it or practice it in their daily life transactions. But every customer has their own point of view on the usage of Green banking. Thus, the research aims to understand the customers’ perception towards the Green Banking for this TAM is used. The research states that Perceived risk is the primary factor that is followed by perceived usefulness and perceived ease of use that impacts the decision to use green banking. Thus, the behavioral intention results in actual use of green banking usage for which people are trying to accept the new technology. So, the banks have earned points for creating awareness among their customers but still they have to work hard and clarify their customers’ problems and vanish that hitch that is stopping them to use green banking easily.

scholarly journals Investigasi Faktor Yang Mempengaruhi Behavioral Intention Pada Pengguna Grab Bike

2019 ◽  
Vol 3 (2) ◽  
pp. 94
Author(s):  
Sulaiman Sulaiman ◽  
Zainal Abidin ◽  
Suharno Suharno
Keyword(s):  
Structural Equation Modeling ◽  
Behavioral Intention ◽  
Perceived Risk ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Software Analysis

Tujuan penelitian ini mengetahui pengaruh behavioral intention (BI) terhadap transportasi online grab bike dengan menggunakan variabel trust, perceived ease of use (PEOU), perceived risk (PR) dan perceived usefulness (PU). Sebanyak 161 orang menjadi responden dalam penelitian ini dengan cara mengisi kuesioner. Data yang diperoleh kemudian dianalisis menggunakan alat analisis Structural Equation Modeling (SEM) dengan menggunakan software analysis of moment structure (AMOS). Setelah dilakukan penelitian diperoleh hasil bahwa PR berpengaruh signifikan terhadap trust, PEOU  berpengaruh signifikan terhadap trust, PU berpengaruh signifikan terhadap trust. Begitu pula pengaruh PR signifikan terhadap behavioral intention, PEOU, PU signifikan terhadap behavioral intention, serta trust signifikan terhadap behavioral intention.

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