An Empirical Study on Effect of Experience on Consumer Adoption Intention towards Electronic Banking

2018 ◽  
Vol 6 (9) ◽  
pp. 42
Author(s):  
Monica Bhardwaj ◽  
Renu Aggarwal
Keyword(s):  
Technology Acceptance ◽  
Service Providers ◽  
Cost Effective ◽  
Financial Service ◽  
Electronic Banking ◽  
Moderation Effect ◽  
User Perceptions ◽  
Acceptance Model ◽  
Digital Channels ◽  
Adoption Intention

Electronic banking has emerged as the most lucrative and cost effective service in electronic commerce. While the movement of the major banks and financial service providers towards the digital channels, the future scope of online presence appears highly optimistic. Besides offering major banking services through this mode, the banks and financial service providers get platform to maintain direct connect with their customers that enable them to offer superior services and strengthen customer relations. The present study investigates the moderation effect of user experience with varied lengths of use on the adoption intention and continued use towards electronic banking. The study extends technology acceptance model to examine the user perceptions towards electronic banking over a period of time. The findings highlight the differences in behavior based on the frequency use. The study provides useful implications for the academicians and the managers.

scholarly journals Understanding Users’ Intention to Use Mobile Financial Services: A Study in Khulna City

2019 ◽  
pp. 1-8
Author(s):  
Md. Khashrul Alam
Keyword(s):  
Technology Acceptance ◽  
Financial Services ◽  
Reasoned Action ◽  
Service Providers ◽  
Financial Service ◽  
Intention To Use ◽  
Handheld Device ◽  
Mobile Financial Services ◽  
Strong Relation ◽  
Acceptance Model

Purpose: Mobile Financial Services are such applications of mobile computing which provide customers the support that is needed to access their bank accounts and bank anywhere and anytime using a mobile handheld device such as a mobile phone. Mobile Financial Services remove space and time limitations from banking activities such as checking account balances or transferring money from one account to another. The study tries to understand users’ level of intention to use mobile financial services in Khulna city. Methodology: Data have been collected from 110 respondents out of which 35 respondents are agents and rest is from different professions. All mobile financial service users in Khulna city have been assumed as population for the study. There has been no demographic barrier for the mobile financial services users to be taken or to be given priority. A structured questionnaire has been administered among the respondents to collect the data. There are 7 variables that have been interviewed among the respondents. These variables are taken from ‘Technology acceptance model’ and ‘Theory of reasoned action’. Correlation and multiple regression analysis are applied to understand the intention of the users. Findings: The study finds that there are strong relationships among the variables. It also shows that trust has strong relation with intention to use mobile financial services. Value: Different stakeholders like mobile financial service providers, mobile operators, regulatory authorities, government and others will get benefit from the study.

scholarly journals Socio-Individual Prerequisites of Energy Transition in Iran: Investigating Public Acceptance of Solar Panel Technology in Rural Areas

2021 ◽  
Vol 5 (1) ◽  
Author(s):  
Sara Karimzadeh ◽  
Eva Kašparová
Keyword(s):  
Technology Acceptance ◽  
Rural Areas ◽  
New Technology ◽  
Energy Transition ◽  
Perceived Usefulness ◽  
Mediating Role ◽  
Iranian Government ◽  
Acceptance Model ◽  
Adoption Intention

Iran has inordinate natural capacity to benefit from solar energy all year. Interim plansby the Iranian government have been implemented to develop energy transition in ruralareas, however, the outcomes have not been promising so far. This research seeks toaddress the question of what factors influence villagers’ tendency towards solar panelacceptance for domestic usage. To answer the question, a survey was conducted amongresidents who had not installed the new technology in the survey time. A model basedon the modified framework of the Technology Acceptance Model for energy transitionwas developed and data was collected from the northern part of Iran—Mazandaranprovince. The data revealed that through the mediating role of attitude, the strongesteffect on adoption intention relates to perceived usefulness. The paper discusses whysolar energy technology is not welcomed in the studied community. The findingscontribute to increase our knowledge about underlying factors on the development ofpublic adoption of renewable energies in a developing country.

Translating emotional insights into digital channel designs

2016 ◽  
Vol 7 (2) ◽  
pp. 135-157 ◽  
Author(s):  
Karla Straker ◽  
Cara Wrigley
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Design Methodology ◽  
Emotional Experience ◽  
Emotional Experiences ◽  
Content Type ◽  
Unique Method ◽  
Airport Infrastructure ◽  
Acceptance Model ◽  
Digital Channels

Purpose The purpose of this study is to identify and understand the emotions behind a passenger’s airport experience and how this can inform digital channel engagements. Design/methodology/approach This study investigates the emotional experience of 200 passengers’ journeys at an Australian domestic airport. A survey was conducted which implemented the use of Emocards and an interview approach of laddering. The responses were then analysed into attributes, consequences and values. Findings The results indicate that across key stages of the airport (parking, retail, gates and arrivals) passengers had different emotional experiences (positive, negative and neutral). The attributes, consequences and values behind these emotions were then used to propose digital channel content and purpose of various future digital channel engagements. Research limitations/implications By gaining emotional insights, airports are able to generate digital channel engagements, which align with passengers’ needs and values rather than internal operational motivations. Theoretical contributions include the development of the technology acceptance model to include emotional drivers as influences in the use of digital channels. Originality/value This paper provides a unique method to understand the passengers’ emotional journey across the airport infrastructure and suggest how to better design digital channel engagements to address passenger latent needs.

An empirical study of wearable technology acceptance in healthcare

2015 ◽  
Vol 115 (9) ◽  
pp. 1704-1723 ◽  
Author(s):  
Yiwen Gao ◽  
He Li ◽  
Yan Luo
Keyword(s):  
Technology Acceptance ◽  
Wearable Technology ◽  
Moderating Effects ◽  
Content Type ◽  
Perceived Severity ◽  
Intention To Adopt ◽  
Use Of Technology ◽  
Privacy Calculus ◽  
Acceptance Model ◽  
Adoption Intention

Purpose – The purpose of this paper is to investigate the factors associated with consumer’s intention to adopt wearable technology in healthcare, and to examine the moderating effects of product type on consumer’s adoption intention. Design/methodology/approach – An integrated acceptance model was developed based on unified theory of acceptance and use of technology 2 (UTAUT2), protection motivation theory (PMT), and privacy calculus theory. The model was tested with 462 respondents using a survey. Findings – Consumer’s decision to adopt healthcare wearable technology is affected by factors from technology, health, and privacy perspectives. Specially, fitness device users care more about hedonic motivation, functional congruence, social influence, perceived privacy risk, and perceived vulnerability, but medical device users pay more attention to perceived expectancy, self-efficacy, effort expectancy, and perceived severity. Originality/value – This study is among the first to investigate healthcare wearable device from behavioral perspective. It also helps to comprehensively understand emerging health information technology (HIT) acceptance from technology, health, and privacy perspectives.

scholarly journals Acceptance of Halal Virtual Inspection: Halal Industry Perspective in Malaysia

2021 ◽  
Vol 12 (5) ◽  
pp. 1744-1752
Author(s):  
Nurulhuda Noordin, Et. al.
Keyword(s):  
Technology Acceptance ◽  
Service Providers ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Effective Implementation ◽  
Certification System ◽  
Factors Influencing ◽  
Perceived Security ◽  
Acceptance Model

This paper explores the factors influencing the acceptance of halal virtual inspection. Halal inspection is one of the main critical processes in Halal Certification system. However, due to the problems that occur in Halal Certification system, halal virtual inspection is proposed to overcome the problems. The technology acceptance model (TAM) was adapted as a baseline theory. Survey questionnaires were distributed to 86 respondents who are identified as halal industry players such as producers and consumers of food and beverages sector. The findings of this study reveal that perceived usefulness, perceived ease of use, perceived enjoyment, amount of information, perceived security and trust are the main factors influencing halal virtual inspection acceptance. These factors could be used as a guideline to the halal service providers in order to achieve effective implementation, efficient and trusted halal virtual inspection.

scholarly journals The Effects of Technology Innovativeness and System Exposure on Student Acceptance of E-textbooks

10.28945/2101 ◽  
2015 ◽  
Vol 14 ◽  
pp. 055-071 ◽  
Author(s):  
Madison N. Ngafeeson ◽  
Jun Sun
Keyword(s):  
Instructional Technology ◽  
Technology Acceptance ◽  
New Technology ◽  
Cost Effective ◽  
Student Learning Outcomes ◽  
Technological Transformation ◽  
Course Content ◽  
Acceptance Model ◽  
Improve Student Learning ◽  
Student Acceptance

The efforts of educators in the last three decades have, among other things, focused on the use of information technology (IT) in education. It has become commonplace to view information systems both as an effective carrier of course content as well as a cost-effective tool to improve student learning outcomes. One of such technologies is the e-book. Decision-makers in the education field need make sense of this technological transformation. However, despite the growing popularity of e-books in higher education, its adoption by students is yet to be crystalized. This study exploits the technology acceptance model (TAM) framework to examine student acceptance of e-textbooks as “internally” impacted by technology innovativeness and “externally” influenced by system exposure. The results showed that students’ technology innovativeness is associated with student acceptance of e-textbooks and that system exposure was a strong moderator of the TAM relationships. The findings suggest that students’ openness to new technology, in general, is likely to positively affect the adoption of a specific new instructional technology. Additionally, system exposure was found to be a significant moderator of the TAM relationships. It is concluded that students’ technology innovativeness and system exposure must therefore be factored into instructional technology usage decision-making models.

scholarly journals Mobile banking adoption: a rural Zimbabwean marketing perspective

2015 ◽  
Vol 13 (1) ◽  
pp. 195-204
Author(s):  
Pinigas Mbengo ◽  
Maxwell A. Phiri
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Service Providers ◽  
Marketing Mix ◽  
Behavioural Intention ◽  
Mobile Banking ◽  
Market Segment ◽  
Banking Services ◽  
Intention To Adopt ◽  
Acceptance Model

The purpose of this paper is to explore and discuss the determinants that inhibit mobile banking adoption by the rural unbanked in Zimbabwe. The researchers conducted an extensive literature search. The references consulted were categorically analysed and articles were considered to compile the findings of this paper. The study provides a contribution to practice by providing a better understanding of issues associated with mobile banking diffusion mechanisms that aid the adoption of mobile banking systems. The main findings of the research indicate that there is a slow and often annoying adoption of mobile banking within Zimbabwe by the rural unbanked due to a considerable number of inhibitive factors. This research reveals the nature of adoption that may reliably inform service providers about strategies to consider when appealing to this market segment. The study also shows that mobile banking adoption cannot ignore the use of marketing oriented factors in order to avoid the assumption of being myopic by considering only the product based variables to assess behavioural intention to adopt mobile banking services as identified in Technology Acceptance Model. However, the literature review also reveals that there are virtually no substantive theoretical researches which adequately extend the TAM using all the marketing mix elements. Therefore Technology Acceptance Model is extended using the marketing mix elements to better predict the behavioural intention to adopt mobile banking by the rural unbanked. This research, having studied the behaviour of the rural unbanked, argues that mobile banking service providers are likely to develop tailor-made integrated marketing mix strategies in order to financially include this market segment. The paper recommends for future research to use the additional marketing mix elements of physical evidence, processes and people in the adoption of mobile banking services by the rural unbanked.

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