scholarly journals The Basics of a Mobile Money-Based Financial Service: Perceptions of University Students in Nigeria

2021 ◽  
Vol 13 (1) ◽  
pp. 209-218
Author(s):  
Cosmas Anayochukwu Nwankwo ◽  
MacDonald Isaac Kanyangale ◽  
James Okechukwu Abugu
Keyword(s):  
University Students ◽  
Technology Acceptance ◽  
Perceived Risk ◽  
Survey Design ◽  
Financial Service ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Mobile Money ◽  
Nigerian University

Abstract The purpose of this quantitative research was to investigate the basis and perception of mobile money (MM) service among Nigerian university students. The paper adopted a positivistic ontology and descriptive survey design. Two hundred and fifty students from five universities in the southeast geopolitical zone of Nigeria were sampled. Results showed that perceived ease of use (PEOU), perceived usefulness (PU), perceived credibility (PCRED), and perceived risk (PR) had significant and positive relationship with behavioral intention. Given the results, these four fundamental issues must be central to inclusive mobile money-based financial service for Nigerian university students. The adoption of the technology acceptance model (TAM) by mobile network operators (MNO) and banks is critical to ensure acceptance of innovative and inclusive mobile-based financial service and success in the university student market.

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.

Technology Acceptance Model Modification for Electronic Wallet Users in Jakarta

2021 ◽  
Vol 26 (1) ◽  
pp. 17-24
Author(s):  
Almi Budiman ◽  
◽  
Baruna Hadibrata ◽  
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Perceived Ease Of Use ◽  
Perceived Trust ◽  
Money Transfers ◽  
Acceptance Model

Introduction. The development of mobile payment in Indonesia is increased, especially by the emergence of the two biggest electronic payments, such as Go-Pay and Ovo, which aggressively offer various interesting offers. This affects the enhancement of the use of mobile payment by the public. In the beginning, server-based electronic money services of its appearance were still small, including credit top-up and internet data, and money transfers to banks that include as a member of ATM Bersama (joint ATM). Along with the development of technology, electronic wallets begin to transform by expanding payment services, and several latest e-wallet applications have emerged. Purpose. The purpose of this research is to understand the changes in consumers’ behavior that make payments from using cash and switching to electronic wallets. Results. The results of the analysis in this study were obtained as the below: (1) Perceived ease of use, perceived usefulness, perceived security, and perceived risk and trust have an influence on the intention to use e-wallet electronic application; (2) perceived ease of use and perceived risk have an influence on perceived usefulness of e-wallet user and (3) perceived ease of use, perceived risk, and perceived usefulness influence the perceived trust of e-wallet application users. Conclusions. It can be concluded that the technology acceptance model influences the user in using the electronic wallet as their transaction method since its usage can be trusted. Moreover, the benefit they got from electronic wallet (perceived usefulness) influence their trust and increase the intention of using an electronic wallet

scholarly journals Structural Equation Modeling for Mobile Learning Acceptance by University Students: An Empirical Study

2020 ◽  
Vol 12 (20) ◽  
pp. 8618
Author(s):  
Quadri Noorulhasan Naveed ◽  
Mohammad Mahtab Alam ◽  
Nasser Tairan
Keyword(s):  
University Students ◽  
Social Influence ◽  
Technology Acceptance ◽  
Mobile Learning ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Mobile Learning Acceptance ◽  
Facilitating Conditions

Advanced mobile devices and global internet services have enhanced the usage of smartphones in the education sector and their potential for fulfilling teaching and learning objectives. The current study is an attempt to assess the factors affecting mobile learning acceptance by Saudi university students. A theoretical model of mobile learning acceptance was developed based on the technology acceptance model (TAM) and the unified theory of acceptance and use of technology (UTAUT) model. Theoretically, five independent constructs were identified as most contributory towards the use of mobile learning and tested empirically. Data were collected through an online survey and analyzed using SmartPLS. The results of the study indicate that four constructs were significantly associated with mobile learning acceptance: perceived usefulness (β = 0.085, t = 2.201, and p = 0.028), perceived ease of use (β = 0.031, t = 1.688, and p = 0.013), attitude (β = 0.100, t = 3.771, and p = 0.037), and facilitating conditions (β = 0.765, t = 4.319, and p = 0.001). On the other hand, social influence was insignificant (β = −0.061, t = 0.136, and p = 0.256) for mobile learning acceptance. The contribution of social influence towards the use of mobile learning was negative and insignificant; hence, it was neglected. Thus, finally, four constructs (perceived usefulness, perceived ease of use, attitude, and facilitating conditions) were considered as important determinants of mobile learning acceptance by university students.

scholarly journals PENDEKATAN TAM DALAM LAYANAN GO-MASSAGE PADA APLIKASI GO-JEK

2018 ◽  
pp. 869
Author(s):  
Ni Putu Wulan Widasari ◽  
I Made Wardana ◽  
Putu Yudi Setiawan
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Risk Perceptions ◽  
Purchase Intention ◽  
Risk Attitude ◽  
Sampling Technique ◽  
Theoretical Implication ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use

ABSTRACT The meaning of this research wants to explain the effect of perceived ease of use, perceived usefulness, and perceived risk towards attitude and purchase intention of Go-Massage on Go-Jek application. The population of this study is not limited (infinite) which is the user Go-Jek application in Denpasar. The sample in this study was taken with non-probability sampling technique with 120 respondents. The result shows that perceived ease of use and perceived of usefulness have positive and significant effect towards attitude. Furthermore, the results of the study also showed a positive and significant effect of perceived usefulness and attitude towardspurchase intention. Conversely, risk perceptions have a negative and significant effect on attitude and purchase intention. The theoretical implication of this research is that this research reinforces the attitude theory especially the Technology Acceptance Model proposed by Davis (1989). Practical implications are useful for companies to explore the construct which gives significant effect towards purchase intention.  In the future, the company should focus more on perceived usefulness to encourage customer’s purchase intention towards Go-Massage service offered on Go-Jek application Keywords: TAM, Perceived Ease of Use, Perceived Risk, Attitude, and Purchase Intention

scholarly journals Acceptance of Online Medical Websites: An Empirical Study in China

2019 ◽  
Vol 16 (6) ◽  
pp. 943 ◽  
Author(s):  
Yuan Tang ◽  
Yu-Tao Yang ◽  
Yun-Fei Shao
Keyword(s):  
Public Health ◽  
Technology Acceptance ◽  
Rural Areas ◽  
Perceived Risk ◽  
Structural Equation ◽  
Equation Model ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Medical Problems

As a new type of public health service product, online medical websites (OMWs) are becoming quite popular. OMWs can address patients’ basic medical problems remotely and give health guidance online. Compared to traditional hospitals, OMWs are more convenient and inexpensive, they can usually provide a better service for patients with poor medical conditions (especially in rural areas), and they also contribute to the rational distribution of medical resources. Therefore, key factors that affect patients’ acceptance of OMWs must be identified to contribute to public health. By integrating perceived risk (PR) and the technology acceptance model (TAM), we proposed a modified TAM and clarified how PR and other factors affect patients’ behavioral intention (BI) towards OMWs. A sample of 245 research participants in China took part in this study and the structural equation model (SEM) was used to test our hypotheses. The results revealed that perceived usefulness (PU) is a positive predictor of BI but has no significant effect on attitude (ATT), while perceived ease of use (PEOU) can affect BI through PU and attitude (ATT). Moreover, trust (TRU) was identified as a mediator of PR and PU/PEOU. Also, the doctor–patient relationship (DPR) was shown to moderate PR and TRU. In order to increase patients’ BI, OMW providers need further innovations to improve patients’ TRU and reduce their PR.

THE NEGATIVE EFFECT OF A PERCEIVED LACK OF AN INSTALLED BASE ON TECHNOLOGY ADOPTION

2015 ◽  
Vol 19 (02) ◽  
pp. 1550021 ◽  
Author(s):  
FIONA M. SCHWEITZER
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Solar Systems ◽  
Negative Effect ◽  
Technical Innovations ◽  
Acceptance Model ◽  
The Impact

In this paper, I analyse the impact that a perceived lack of an installed base has on the adoption of technological products. I use the Technology Acceptance Model (TAM), which considers perceived usefulness and ease-of-use as the central drivers of adoption and propose that the perceived lack of an installed base influences these two drivers. Based on cue utilisation theory, I further suggest that a perceived lack of an installed base can serve as an extrinsic cue of product quality deficiencies and difficulties with obtaining help and advice. In order to verify the supposed effect of a perceived lack of an installed base, I survey 162 households. The data shows that a perceived lack of an installed base of thermal solar systems (1) decreases their perceived usefulness and perceived ease-of-use and (2) acts as a mediator of the perceived risk. The study implies that managers launching technical innovations should develop strategies to influence consumers' perceptions of the current and the future installed base and communicate the development of the installed base to trigger adoption.

scholarly journals Joining the New Band: Factors Triggering the Intentions of Malaysian College and University Students to Adopt 4G Broadband

2013 ◽  
Vol 5 (2) ◽  
pp. 58-65
Author(s):  
Wong Lai Soon ◽  
Bobby Chai Boon Hui . ◽  
Wong Kee Luen .
Keyword(s):  
University Students ◽  
Technology Acceptance ◽  
Mobile Communications ◽  
Homo Sapiens ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Fourth Generation ◽  
Perceived Ease Of Use ◽  
College And University ◽  
Market Opportunities

The constantly intensifying demand for mobility has generated enormous market opportunities for telecom companies. The Internet has transformed lives of the Homo sapiens over the last decade in manners beyond the horizons of imaginations. 4G; the new kid on the block is the abbreviation for fourth-generation wireless; the phase of mobile communications providing high quality connections for transportable devices. By drawing on the attributes of the Technology Acceptance Model (TAM) which is an established methodology in technology based product acceptance researches; this paper contemplates the factors that influence the intentions of Malaysian college and university students to adopt 4G broadband for academic and for pleasure purposes. A theoretical framework has been proposed for this study which consisting of four independent variables, namely Perceived Ease of Use, Perceived Usefulness, Subjective Normand Perceived Enjoyment. The dependent variable of this study is Intention to Use.

scholarly journals ANALISIS TECHNOLOGY ACCEPTANCE MODEL APLIKASI LINKAJA

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

<p>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 <em>e-money</em>. Sebagian masyarakat beranggapan bahwa transaksi pembayaran menggunakan <em>e-money</em> masih terdapat banyak kekurangan. Penelitian ini bertujuan untuk menguji <em>Technology Acceptance Model</em> (TAM) yaitu <em>perceived ease of use</em> dan <em>perceived usefulness</em>, selain itu juga menambahkan <em>perceived risk</em> untuk mengetahui pengaruh terhadap <em>attitude toward using</em> dan <em>actual use</em> terhadap penggunaan aplikasi LinkAja. Metode analisis menggunakan <em>Structural Equation Modeling</em> (SEM) dengan alat analisis SmartPLS. Penelitian ini dilakukan dengan metode survei dan sampel diambil menggunakan teknik <em>purposive sampling</em> terhadap responden yang menggunakan aplikasi LinkAja di seluruh Indonesia. Responden yang diperoleh sebanyak 200 responden. Hasil penelitian menunjukkan bahwa <em>perceived ease of use</em> dan <em>perceived usefulness</em> berpengaruh positif signifikan terhadap <em>attitude toward using</em> dan <em>actual use</em>. <em>Perceived risk</em> tidak berpengaruh signifikan terhadap <em>actual use</em> aplikasi LinkAja.</p>

scholarly journals INTEGRASI TRUST DAN TECHNOLOGY ACCEPTANCE MODEL (TAM) DALAM INTENTION TO TRANSACT (Studi pada Konsumen Pengguna Tokopedia)

2021 ◽  
Vol 17 (2) ◽  
Author(s):  
Budiyanto Budiyanto ◽  
Dewi Pangestuning Utami
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Sampling Technique ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Advanced Technology ◽  
Significant Positive Effect ◽  
Perceived Ease Of Use ◽  
Negative Effect ◽  
Positive Effect

Increasing advanced technology makes online shopping continue to grow from time to time. An easy, simple way to shop, and even consumers can get cheaper prices compared to traditional shops, is indeed a choice for consumers. Very high internet speed also supports the rapid e-commerce business in Indonesia. The purposes of this study is 1) the effect of trust on perceived usefulness, 2) the effect of trust on perceived ease of use, 3) the effect of trust on perceived risk, 4) the effect of trust on intention to transact, 5) the effect of perceived usefulness on intention to transact, 6) the effect of perceived ease of use on the intention to transact and 7) the effect of perceived risk on the intention to transact.Population in this study is all consumers who use Tokopedia marketplace. The sample of this study amounted to 120 people. The sampling technique used in this research is purposive sampling. Testing the hypothesis used multiple linear regression. The results show that 1) trust has a significant positive effect on perceived usefulness, 2) trust has a significant positive effect on perceived ease of use, 3) trust has a significant negative effect on perceived risk, 4) trust has a significant positive effect on intention to transact, 5) perceived usefulness has a significant positive effect on intention to transact, 6) perceived ease of use has a significant positive effect on intention to transact, 7) perceived risk is significant negative on intention to transact.Keywords: trust, perceived usefulness, perceived ease of use, perceived risk, intention to transact, tokopedia 

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