Structural Model for Adoption and Usage of E-banking in Vietnam

E-banking is an inevitable trend of the banking industry in the future. E-banking benefits not only banks but also customers, so the study of models of adoption and usage of E-banking is essential. Nguyễn & Cao (2011) propose the adoption and usage of E-banking model in Vietnam - E-BAM (E-Banking Adoption Model), and their findings showed that eight following factors - performance expectancy, compatibility, perceived ease of use, perceived behavioral control, subjective norm, perceived risk in transaction, bank image, and macro impact of law - affect the E-banking adoption and E-banking adoption affects E-banking usage. However, according to some relevant theoretical models, this model does not show relationships among independent variables and the effects of independent variables on the E-banking usage. In this paper, authors re-propose a new model of E-BAM to overcome the limitations of the 2011 research, the relationships in the model were analyzed by linear structural model - SEM (Structural Equation Modeling). Factors including perceived behavioral control, compatibility, performance expectancy, bank image and perceived risk in transaction are mutually influenced and affect the E-banking adoption intention; while perceived ease of use and E-banking adoption affect the E-banking usage.

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The Acceptance and Behavior Towards E-Insurance

International Journal of E-Business Research ◽

10.4018/ijebr.2021040102 ◽

2021 ◽

Vol 17 (2) ◽

pp. 24-39

Author(s):

Maher Taib Toukabri ◽

Saïd Aboubaker Ettis

Keyword(s):

Technology Acceptance ◽

Information And Communication Technologies ◽

Structural Equation ◽

New Technologies ◽

Behavioral Control ◽

Ease Of Use ◽

Insurance Companies ◽

Equation Modeling ◽

Perceived Behavioral Control ◽

Perceived Ease Of Use

The expansion of ICTs (information and communication technologies) and the intensification of competition have induced firms to sell online. Insurance companies, for instance, have been urged to rely on such new technologies to be able to strengthen their presence on the market. This research used the technology acceptance model (TAM) and the theory of planned behavior (TPB) to study the factors that influence the e-insurance adoption. This study gathers data through a face-to-face administered survey involving insured persons. The hypotheses and the model were tested using AMOS co-variance-based structural equation modeling. The findings showed that perceived ease of use, subjective norms, perceived behavioral control, and attitude are the predominant predictors of the intention to buy insurance online. Those findings provide decision-makers in insurance companies with information useful in designing online offerings, creating a positive attitude towards e-insurance, and attracting customers.

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Investigasi Faktor Yang Mempengaruhi Behavioral Intention Pada Pengguna Grab Bike

Jurnal Manajemen dan Kearifan Lokal Indonesia ◽

10.26805/jmkli.v3i2.68 ◽

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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Anteseden Mobile Banking Adoption

Media Riset Bisnis & Manajemen ◽

10.25105/mrbm.v19i1.5352 ◽

2019 ◽

Vol 19 (1) ◽

pp. 45

Author(s):

Rangga Maulid Mahardika ◽

Harsini Soetomo

Keyword(s):

Structural Equation Modeling ◽

Perceived Risk ◽

Structural Equation ◽

Word Of Mouth ◽

Ease Of Use ◽

Perceived Usefulness ◽

Equation Modeling ◽

Mobile Banking ◽

Perceived Ease Of Use ◽

Price Fairness

Abstrak Tujuan –Tujuan dari penelitian ini adalah untuk menganalisis pengaruh dari self efficacyterhadap mobile banking adoption melalui perceived risk, perceived ease of use,perceived usefulness dan behavioural intention.Desain/Metodologi/ Pendekatan – Rancangan penelitian ini dilakukandengan menggunakan rancangan penelitian uji hipotesis (hypotheis testing). Unitanalisis yang digunakan dalam metode penelitian ini adalah pengguna Mobilebanking yang aktif menggunakan dalam 3 bulan terakhir, dan penelitian inimenggunakan data cross-sectional dan teknik sampling yang digunakan adalahpurposive sampling. Structural Equation Modeling (SEM) digunakan untuk mengujihipotesis dalam penelitian ini.Temuan - Hasil penelitian ini menunjukan bahwa (1) Selfefficacy tidak memiliki pengaruh negatif yang signifikan terhadap perceived risk, Self Efficay memiliki pengaruh positif terhadap perceived ease of use dan perceived usefulness dalam penggunaan mobile banking, (2) Perceived ease of use memiliki pengaruh positif terhadap perceived usefulness, Perceived ease of use memiliki pengaruh positif terhadap Intention to Adoption Mobile Banking (3) Perceived risk tidak memiliki pengaruh negatif yang signifikan terhadap intention to adoption mobile banking, (4) Perceived ease of use dan perceived usefulness memiliki pengaruh positif terhadap intention to adoption mobile banking, (5) Perceived usefulness tidak memiliki pengaruh positif yang signifikan terhadap adoption mobile banking, dan (6) Intention to adoption mobile banking memiliki pengaruh positif terhadap adoption mobile banking. AbstractPurpose –The purpose of this study is to analyze the effect of self eficacy on mobile adoption through percieved risk, percieved ease of use, percieved usefulness and behavioral intentionDesign/Methodology/Approach – Using 210 respondents of active mobile banking users in last 3 months, hypotheses were tested with Structural Equation Modeling by AMOSFindings - The results showed a positive influence between reflected appraisal of self, self image congruency and cafe quality of cafes toward the electric keyword from word of mouth, while on the conspicuous value and price fairness of does not affect the electronic word-of-mouth. There are several managerial implications that can influence consumers to deliver eWOM by taking more attention to self-relevant value and cafe-relevant value.

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ANALISIS TECHNOLOGY ACCEPTANCE MODEL APLIKASI LINKAJA

Jurnal Riset Ekonomi dan Bisnis ◽

10.26623/jreb.v13i3.2861 ◽

2020 ◽

Vol 13 (3) ◽

pp. 164

Author(s):

Anggit Esti Irawati ◽

Ehrmann Suhartono

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Perceived Risk ◽

Structural Equation ◽

Ease Of Use ◽

Perceived Usefulness ◽

Equation Modeling ◽

Perceived Ease Of Use ◽

Actual Use ◽

Acceptance Model

Potensi penggunaan e-money sangat besar dan menarik perhatian sebagai cara pembayaran alternatif di seluruh dunia. Pemerintah melalui Bank Indonesia menggerakkan masyarakat untuk melakukan Gerakan Nasional Non Tunai (GNNT). Namun, hanya lapisan masyarakat tertentu yang sudah terbiasa menggunakan transaksi dengan e-money. Sebagian masyarakat beranggapan bahwa transaksi pembayaran menggunakan e-money masih terdapat banyak kekurangan. Penelitian ini bertujuan untuk menguji Technology Acceptance Model (TAM) yaitu perceived ease of use dan perceived usefulness, selain itu juga menambahkan perceived risk untuk mengetahui pengaruh terhadap attitude toward using dan actual use terhadap penggunaan aplikasi LinkAja. Metode analisis menggunakan Structural Equation Modeling (SEM) dengan alat analisis SmartPLS. Penelitian ini dilakukan dengan metode survei dan sampel diambil menggunakan teknik purposive sampling terhadap responden yang menggunakan aplikasi LinkAja di seluruh Indonesia. Responden yang diperoleh sebanyak 200 responden. Hasil penelitian menunjukkan bahwa perceived ease of use dan perceived usefulness berpengaruh positif signifikan terhadap attitude toward using dan actual use. Perceived risk tidak berpengaruh signifikan terhadap actual use aplikasi LinkAja.

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Implementation of Mobile Payment in Indonesia

International Journal of Recent Technology and Engineering - 2 ◽

10.35940/ijrte.b1172.0782s419 ◽

2019 ◽

Vol 8 (2S4) ◽

pp. 863-866 ◽

Cited By ~ 1

Keyword(s):

Perceived Risk ◽

Structural Equation ◽

Ease Of Use ◽

Equation Modeling ◽

Mobile Payment ◽

Perceived Ease Of Use ◽

Online Forums ◽

Electronic Money ◽

Multivariate Technique ◽

Alternative Means

Indonesia is one country that has implemented several electronic payment, including storing and using electronic money. In Indonesia many products that dikelurkan electronic money banks and private parties. Examples of some mobile payment products in Indonesia is Ovo, Doku, Gopay and more as products are developed from large companies in Indonesia. This study was to determine the factors that affect the adoption of the use of electronic money in Indonesia as an alternative means of payment. Respondents Data obtained from filling the form online at Google form, which links its spread through social media such as Facebook, Twitter, and online forums. The target respondents are people who never used a mobile payment. Data were analyzed using multivariate technique structural equation modeling (SEM) using software LISREL 8. Results of data processing shows that the factors that affect the acceptance of mobile payment is electronic wordof-mouth (e-WOM), trust, perceived risk and perceived ease of use.

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Factors Influencing Continuous Intention to Use of Event Management Electronic Portals in 4 and 5 Star Hotels

Journal of Management and Strategy ◽

10.5430/jms.v8n3p1 ◽

2017 ◽

Vol 8 (3) ◽

pp. 1

Author(s):

Ra’ed Masa’deh ◽

Ali Al-Badi ◽

Aseel Rashaideh ◽

Jaafer Abu-Zahra ◽

Jamal Alsmadi

Keyword(s):

Structural Equation ◽

Structural Model ◽

Ease Of Use ◽

Perceived Usefulness ◽

Primary Data ◽

Equation Modeling ◽

Intention To Use ◽

Perceived Ease Of Use ◽

Event Management ◽

Perceived Enjoyment

The purpose of this study is to examine the associations among perceived relative advantages, compatibility, perceived ease of use, perceived usefulness, perceived enjoyment, and continuous intention to use event management electronic portals in Aqaba 4 and 5 Star hotels. A survey instrument was used to examine the relationships in the proposed model. The collected primary data (n=200) from employees who are familiar with hotels’ event management electronic portals located in Aqaba city is conducted to test the relationship between exogenous and endogenous construct expressed in the proposed structural model. By employing SEM (Structural Equation Modeling) analysis, the findings revealed that while both variables perceived relative advantages and compatibility directly, positively, and significantly impacted perceived usefulness; both variables did not impact perceived enjoyment. Also, perceived ease of use has significant impacts on perceived usefulness and perceived enjoyment. In addition, both of perceived usefulness and perceived enjoyment found to impact continuous intention to use.

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How food retailing changed in Turkey: spread of self-service technologies

British Food Journal ◽

10.1108/bfj-03-2017-0189 ◽

2018 ◽

Vol 120 (2) ◽

pp. 290-308 ◽

Cited By ~ 2

Author(s):

Ipek Kazancoglu ◽

Emel Kursunluoglu Yarimoglu

Keyword(s):

Technology Acceptance ◽

Perceived Risk ◽

Structural Equation ◽

Ease Of Use ◽

Perceived Usefulness ◽

Situational Factors ◽

Equation Modeling ◽

Future Research ◽

Perceived Ease Of Use ◽

Content Type

Purpose The purpose of this paper is to predict customers’ intentions to use self-checkouts based on the technology acceptance model (TAM). Design/methodology/approach The questionnaire consisted of constructs taken from the existing literature such as perceived ease of use (PEU), perceived usefulness (PU), behavioral intentions, technology anxiety (TA), perceived risk (PR), need for interaction (NI), and situational factors (SF). Before preparing the questionnaire, the focus group studies were organized to gain deeper insights regarding customers’ views about self-checkouts. Based on the results of the focus groups, some items in the constructs were adapted, and the questionnaire was generated. The field study was conducted via face-to-face survey with 500 customers chosen by stratified random sampling. Confirmatory factor analysis and structural equation modeling were used to validate the relationships hypothesized in the conceptual model among constructs. Findings Out of the 16 hypotheses, 10 were found to be significant. The hypotheses related to the effects of PR, PEU, PU, intentions, while the effects of NI on PU and intentions; the effects of SF on intentions were not accepted in the study. According to the findings, PEU, PU, and TA affected intentions whereas PR, NI, and SF did not. Research limitations/implications There were some limitations related to demographics, attitudes, SF, and actual usage of self-checkouts. Practical implications To avoid queues, retailers should install a sufficient number of user-friendly and simple interfaced self-checkouts with well-trained employees to encourage usage and reduce the perceived risk and anxiety. Originality/value The main contribution of this study was that the effects of different constructs were measured on Turkish customers’ intentions to use self-checkouts, which could be used in formulating marketing strategies as well as considering future research directions. The paper also provided additional insights into the effects of SF, TA, NI, and PR, all of which were added to the TAM in this study.

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Analyzing of User Attitudes Toward Intention to Use Social Media for Learning

SAGE Open ◽

10.1177/21582440211060784 ◽

2021 ◽

Vol 11 (4) ◽

pp. 215824402110607

Author(s):

Deli Yuan ◽

Muhammad Khalilur Rahman ◽

Md. Abu Issa Gazi ◽

Md. Atikur Rahaman ◽

Mohammad Mainul Hossain ◽

...

Keyword(s):

Social Media ◽

Media Literacy ◽

Perceived Risk ◽

Behavioral Control ◽

Ease Of Use ◽

Perceived Usefulness ◽

Perceived Behavioral Control ◽

Intention To Use ◽

Perceived Ease Of Use ◽

Risk Dimensions

The study has aimed to investigate the factors affecting university students’ attitude toward intention to use social media for learning. This study embraced a cross-sectional approach and gathered quantitative data via a Google form survey, which was collected by using social media platforms, from a total of 720 respondents. The hypotheses were tested using the partial least squares (PLS) method. The study found that social media literacy, perceived ease of use, perceived behavioral control, and perceived risk has significant positive influence on users’ attitude to use social media, while ICT facility and perceived usefulness has no significant impact on attitude. Users’ attitude has a significant relationship with their intention to use social media for learning. The users’ attitude was also found to successfully mediate the relationship of social media literacy, perceived ease of use, perceived behavioral control, and perceived risk with intention to use social media. Social media literacy and perceived risk have been measured as an influential construct since it is unreasonable to anticipate the correlation between social media literacy and perceived risk dimensions in social media.

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CONSUMERS’ PARSIMONY OF MOBILE INTERNET BANKING USAGE IN MALAYSIA

Humanities & Social Sciences Reviews ◽

10.18510/hssr.2019.7128 ◽

2019 ◽

Vol 7 (1) ◽

pp. 239-248

Author(s):

Lim Foo-Wah ◽

A. Fakhrorazi ◽

Rabiul Islam

Keyword(s):

Structural Equation Modeling ◽

Perceived Risk ◽

Structural Equation ◽

Internet Banking ◽

Mobile Internet ◽

Ease Of Use ◽

Perceived Usefulness ◽

Equation Modeling ◽

Perceived Ease Of Use ◽

Personal Finances

Purpose of the Study: The objective of this study is to empirically investigate the determinants of the adoption of mobile Internet Banking in Malaysia. However, the slow growth of mobile Internet banking usage as comparison to online Internet Banking increases the concern on the adoption and parsimony issues of mobile Internet banking (MI-Banking) usage in managing personal finances and banking activities. Methodology: Self-administered survey was applied and analyzed by using V-Base structural equation modeling. The responses of 358 respondents were analyzed by using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) technique. Results: The findings of this study revealed that perceived ease of use, perceived usefulness, and perceived risk significantly influenced the adoption of mobile internet banking, while perceived ease of use was found to have the greatest influence on the overall adoption of mobile internet banking. At the same token, perceived ease of use was found to have a significant influence on perceived usefulness. Implications: The application of mobile internet services has increased and mobile phones are becoming significant tools for managing and controlling personal finances and spending. Thus, a study was conducted to seek clarification on the predictors of mobile Internet banking adoption among Malaysians that will embark further and deeper studies in the context of mobile Internet Banking.

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Kesetiaan Merek Vs Perilaku Berpindah: Apakah Kecenderungan Untuk Berpindah, Persepsi Kemudahan Penggunaan, Dan Persepsi Resiko Mampu Membentuk Perilaku?

Akmenika: Jurnal Akuntansi dan Manajemen ◽

10.31316/akmenika.v16i1.164 ◽

2019 ◽

Vol 16 (1) ◽

Author(s):

Nonik Kusuma Ningrum

Keyword(s):

Brand Loyalty ◽

Perceived Risk ◽

Structural Equation ◽

Structural Model ◽

Measurement Model ◽

Ease Of Use ◽

Switching Behavior ◽

Perceived Ease Of Use ◽

Loyal Customer ◽

Negative Affects

AbstractPurpose - This study is aimed to examine the effect of propensity to switch, perceived ease of use, and perceived risk on brand loyalty and switching behavior.Design/methodology/approach - Utilizing purposive random sampling, a number of 100 customers of 36 brands of 12 product categories were asked to fill in the questionnaire as primary survey data. To analyze the measurement model, structural model, and the good fit model, this study made use of the structural equation model.Findings - Propensity to switch significantly positive affects brand loyalty and switching behavior; whereas perceived of ease of use significantly positive affects brand loyalty and significantly negative affects switching behavior; and perceived risk significantly negative affects brand loyalty and significantly positive affects switching behaviorResearch limitation - A more numbers of respondents and more variations of respondents’ background should be considered for future study. A propensity to be a loyal customer variable should also be added in the model.Originality/value - This study takes a look at two different points of views of customer behaviors, those are customers who remain to stay with one brand and those are who always seek for something new and keep switching.

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