scholarly journals Consumer acceptance and continuance of mobile money

Author(s):  
Abidin Alhassan ◽  
Leon Li ◽  
Krishna Reddy ◽  
Geeta Duppati

This research provides empirical results on context-based factors that determine the use of mobile money in Africa by employing a unique secondary data which provides a new perspective on the technology acceptance model (TAM) application. The hypothesised research model tests the context-based constructs to determine how these constructs affect peoples' intentions and attitudes towards the continued use of mobile money. Exploring these constructs provides an understanding of the insights into the marketing campaigns and growth of mobile money providers. The empirical results suggest that the availability of electricity is an important factor for mobile phone functionality and ongoing use of mobile money in the long run. There is also a correlation between regulations that are perceived to be enabling and the intentions of individuals to continue using mobile money. However, there is a negative correlation between rural dwellings and the intentions of individuals to adopt the use of mobile money which finds its basis in the inadequate mobile networks and national grid systems in rural areas.

2021 ◽  
Vol 5 (1) ◽  
Author(s):  
Sara Karimzadeh ◽  
Eva Kašparová

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.


Info ◽  
2015 ◽  
Vol 17 (3) ◽  
pp. 58-68 ◽  
Author(s):  
Sumedha Chauhan

Purpose – The purpose of this paper is to understand the acceptance of mobile-money (m-money) among target populations, i.e. below-poverty-line citizens in India, using the technology acceptance model (TAM). The m-money service is a major initiative that can enable the provision of low-cost and speedy money transfer through mobile phones, especially in developing countries such as India. For a large section of the population in India, m-money can act as a way to achieve financial inclusion. However, for m-money to succeed, users should accept the initiative wholeheartedly. Design/methodology/approach – The survey data were collected from 225 actual and prospective m-money users and analysed using partial least square technique. Findings – The findings imply that the trust and the core constructs of TAM such as perceived usefulness, trust and attitude towards usage contribute in influencing the intention to accept m-money. Perceived ease of use neither impacts perceived usefulness nor attitude towards usage. Practical implications – This research also provides possible explanations for the significant relationships between the constructs and discusses how this information can be used to enhance the acceptance of m-money among poor Indians. Originality/value – This research is original and is based on primary data collection and its interpretation. It provides thorough empirical insights on the acceptance of m-money among poor Indian citizens which is currently a weakly addressed and empirically less explored area of research.


2021 ◽  
Vol 6 (1) ◽  
pp. 62-75
Author(s):  
Herli Salim ◽  
Muhammad Hanif

Abstract: This exploratory study aimed to describe the current teachers’ acceptance and use of online media for primary school in rural areas.The study used interview and survey as data collection methods which were divided into two focus questions. This study adopted six indicators of Technology Acceptance Model by Davis to measure the participants’ experience on using online learning media. The participants consisted of 30 teachers from four private and government schools in Indonesia. The data collection methods for this study included a survey and open-ended face-to-face interviews in the sense of triangulation for validity and reliability. This study explored the current condition qualitatively, classified each indicator based on interview data reduction and analyzed descriptively. The study found the teachers’ accept using online media in integrated learning but they cannot use it because of the lack facilities and the schools’ rules of using online media. The external variables, perceived ease of use, perceived usefulness and attitudes of the teacher showed the positive acceptance for online learning implementation. Unfortunately, they did not find support to enhance their lack of behavioural intention use and actual use during the teaching practice.The study proposes the development of a supportive environment and facilities to support factual use of online learning in rural areas. This study recognises that online learning was perceived as important to maximize potential of teaching in rural areas. It also highlighted that teachers in rural areas have behavioural intention to implement online learning although in limitation. This study presented significant gap between teachers’ technology acceptance and usage in rural area to be highlighted toward the affordable online learning in the future Keywords: elementary school; teachers’ acceptance; teachers’ use; online media; technology Abstrak: Penelitian eksploratif ini bertujuan untuk mendeskripsikan penerimaan dan penggunaan media online oleh guru saat ini untuk sekolah dasar di pedesaan. Penelitian ini menggunakan metode pengumpulan data wawancara dan survei yang terbagi menjadi dua pertanyaan fokus. Penelitian ini mengadopsi enam indikator Technology Acceptance Model untuk mengukur pengalaman peserta dalam menggunakan media pembelajaran online. Pesertanya terdiri dari 30 guru dari empat sekolah swasta dan negeri di Indonesia. Studi ini menggali secara kualitatif kondisi terkini dan mengklasifikasikan setiap indikator berdasarkan reduksi data wawancara kemudian dianalisis secara deskriptif. Hasil penelitian menemukan penerimaan guru menggunakan media online dalam pembelajaran terpadu tetapi tidak dapat digunakan karena kurangnya fasilitas dan aturan sekolah dalam menggunakan media online. Variabel eksternal, persepsi kemudahan penggunaan, persepsi kegunaan dan sikap guru menunjukkan penerimaan yang positif terhadap pelaksanaan pembelajaran online. Sayangnya, mereka tidak menemukan dukungan untuk meningkatkan kurangnya penggunaan niat perilaku dan penggunaan aktual selama praktik mengajar. Studi ini mengusulkan pengembangan lingkungan dan fasilitas yang mendukung untuk mendukung penggunaan faktual pembelajaran online di daerah pedesaan. Studi ini mengakui bahwa pembelajaran online dianggap penting untuk memaksimalkan potensi pengajaran di pedesaan. Ditegaskan pula bahwa guru di pedesaan memiliki niat berperilaku untuk melaksanakan pembelajaran online meskipun dalam batasan. Studi ini menunjukkan kesenjangan yang signifikan antara penerimaan dan penggunaan teknologi guru di daerah pedesaan untuk disorot ke arah pembelajaran online yang terjangkau di masa depan Kata kunci: sekolah dasar; penerimaan guru; penggunaan oleh guru; media online; teknologi


2011 ◽  
Vol 6 (2) ◽  
pp. 31-40 ◽  
Author(s):  
Francis Daniel

The business case for diversity is really a technological one. Like the Hubble telescope uses multiple lenses to acquire an understanding of the universe that no one lens can achieve alone, the business case suggests that diversity (however defined) provides multiple perspectives that help organizations better understand an increasingly complex and heterogeneous marketplace. If the prevailing argument for diversity is indeed technology-driven, the present paper suggests that looking at diversity through the lens of the Technology Acceptance Model 3 (TAM3) might provide insights that could improve both the acceptance of diversity in the organization and its impact on organizational performance.


Author(s):  
Dongxiao Gu ◽  
Xuejie Yang ◽  
Xingguo Li ◽  
Changyong Liang ◽  
Jinhong Zhong ◽  
...  

With the broadening application of the New Rural Cooperative Medical Scheme (NCMS), its role in patient satisfaction in rural China has shifted to be the focus of academic research. Based on a technology acceptance model, this study will investigate the factors and mechanisms influencing patient satisfaction on NCMSS in rural places in China. In this study, based on a technology acceptance model, we developed a model that is associated with the influencing factors, patients’ continued participation and patient satisfaction, and conducted an empirical analysis based on data collected from rural areas of China’s Anhui Province. A NCMS′s reputed reliability, value, and convenience played a key role in positively influencing patient satisfaction. However, long-term patient participation was not significantly influenced by other social factors. In order to increase patient satisfaction, NCMS policy and implementation procedure needs further government modification and innovation with the goal of improving the reimbursement ratio, reducing the financial burden, and improving patient convenience.


India has more mobile connections compared to banking accounts, therefore GoI in Economic Survey 2014-15, proposed JAM (Jan-Dhan Yojana, Aadhar Number and Mobile Number) trinity to use ICT for more efficient and effective spread of formal banking even to the hilly areas where brick and mortar banks are challenging to build and sustain. Also, financial inclusion cannot happen without economic activity, and Mahatma Gandhi National Rural Employment Act (MGNREGA) is a policy which significantly helped to enhance the economic activity of rural India. Because of penetration of mobile technology and involvement of the same in financial inclusion, this research will contribute to understanding the constructs of mobile banking adoption in hilly rural area of Champawat District, Uttrakhand w.r.t population registered with MGNREGA. The authors found research is scarce for mobile banking adoption in hilly rural areas of India. (Mehta et, al 2019) may be the only study for Champawat district of Uttrakhand, using technology acceptance model (TAM) and total interpretive structural modelling (TISM) to develop a model. This paper takes model from Mehta et al. 2019 and examines the relationship between the constructs using structured equation modelling (SEM).


2017 ◽  
Vol 19 (3/4) ◽  
pp. 202-227 ◽  
Author(s):  
Mohd Heikal Husin ◽  
Niloufar Loghmani ◽  
Siti Salbiah Zainal Abidin

Purpose This paper aims to study user acceptance of one of the Malaysian e-government services known as MyEG via a theoretical framework. The results are compared to a similar research conducted in Singapore. The motivation and benefits derived from this research can be used to improve the overall quality of services provided by MyEG and to enhance the efficiency as well as accountability of this e-government service. Design/methodology/approach This research was conducted by applying a theoretical framework known as technology acceptance model involving several factors such as intention to use, perceived ease of use, perceived usefulness, image, compatibility and trust. The research data were then validated by examining similar factors that had significance results, followed by the development of a simple prototype. Findings The results obtained from this research would be beneficial to enhance the level of adoption among the citizens in Malaysia. The identification of the different factors influencing the acceptance levels of users can also provide a better vision on the end-user perspective for MyEG developers and lead them to achieve better results in future platform developments. In addition, this study also fills the current existing gap in e-government research of Malaysia and contributes to the literature on the public users’ perspective of e-government services. Practical implications The results from this research would provide effective guidance to developers of e-government platforms to include specific criteria that would attract the general public in using the platforms. Social implications Besides that, it provides a new perspective from the general public on their interest to use any e-government platform specifically MyEG. Originality/value The findings of this research would assist in the improvement of the implementation and adoption of the current MyEG system. Besides that, this research will allow researchers to gain new insights about e-government services and apply the knowledge to further improve the current and other platform development.


Author(s):  
Lori Baker-Eveleth ◽  
Daniel M. Eveleth ◽  
Michele O’Neill ◽  
Robert W. Stone

The impact of examination software on student attitudes was investigated. The Technology Acceptance Model (TAM) provides the theoretical foundations for studying the completion of examination on student laptop computers. The model applies TAM to link both faculty and technical support for the examination software to student attitudes towards the software, while it is mediated by the perceived usefulness and ease of use of the software. The model is empirically tested using questionnaire responses from 107 students enrolled in sections of a business core course using the examination software. The statistical technique used is structural equations modeling. Empirical results show that perceived usefulness and ease of use of the software have direct, meaningful impacts on developing positive attitudes toward the software. Furthermore, faculty support and ease of system use impact student attitudes in a meaningful fashion indirectly through perceived usefulness. These empirical results are discussed and implications for instructors are offered.


2018 ◽  
Vol 14 (2-3) ◽  
Author(s):  
Thato Foko

In attempting to bridge the digital divide and provide access to ICTs the South Africa government deployed telecentres to rural areas. The purpose of this paper is to provide some insights into what makes telecentres sustainable. The ICT Platform project (Platform) is the initiative between the South African government and the CSIR.  For this study the Technology Acceptance Model is utilised. The main research methodology will be qualitative multiple case study research with interpretivism as philosophy. The results show the importance of community leaders, project champions and users in the adoption and use and in ensuring the financially, socially and politically sustainability of ICT Platforms. 


Author(s):  
H. Hung

The Internet has undoubtedly introduced a significant wave of changes. The increased electronic transmission capacity and technology further paves a superhighway towards unrestricted communication networks (Chircu & Kauffman, 2000; Cowles, Kiecker, & Little, 2002). It is estimated that by 2007, the total number of Internet users in the world will be over 1.4 billion and the percentage of wireless users is projected to take up about 57% of the vast number (Magura, 2003). Most people anticipate that the next-generation commerce will emerge from traditional commerce to PC-based e-commerce, and eventually to mobile commerce (Ellis-Chadwick, McHardy, & Wiesnhofer, 2000, Miller, 2002, Watson, Pitt, Berthon, & Zinkhan, 2002).Mobile commerce (m-commerce) is an extension, rather than a complete replacement, of PC-based electronic commerce. It allows users to interact with other users or businesses in a wireless mode, anytime and anywhere (Balasubramanian, Peterson, & Jarvenpaa, 2002; Samuelsson & Dholakia, 2003). It is very likely that PC-based e-commerce will still prevail for a relatively long period of time in spite of the trend that more and more people will choose to adopt m-commerce for their purchases (Miller, 2002).The focus of our article is on the consumers’ adoption of m-commerce devices (MCDs), which are equipment and technologies that facilitate users to make use of m-commerce. MCDs include mobile phones, personal digital assistants (PDA), portable computer notebooks, Bluetooth, WAP, and other facilities that can have access to the wireless networks. We expect that the heading towards a world of mobile networks and wireless devices, which will present a new perspective of time and space, is definitely on its way. Several basic questions about m-commerce devices will be addressed in this article. First, why should consumers adopt MCDs? What will be the influencing factors for consideration? Are these MCDs easy to use and proven to be useful? Second, how do the MCDs compare with the devices for other types of commerce, such as e-commerce or traditional mail order? Consumers will only adopt MCDs when there are some potential significant advantages when comparing to old devices for other types of commerce. There is still a lack of comprehensive framework within which the adoption of MCDs can be evaluated. Traditional viewpoints regarding this issue, especially those that are based on technology acceptance models, will need to be revisited and revised when consumers are considering such an adoption. In this article, we propose a framework for identifying the various influencing factors of the adoption of MCD, as well as the antecedents of these influencing factors. Because of the need of the standardization of the application, interface, and inter-connectivity of all hardware and software relevant to the adoption and usage of MCDs, our proposed framework will have some global implications (Zwass, 1996). Our conceptual framework can, therefore, make significant contributions to a more in-depth understanding in the spread and acceptability of m-commerce through knowing why and how relevant MCDs are adopted. While using technology acceptance models (TAMs) as our primary reference, we also incorporate the important implications of an options model into our basic framework of analyzing consumers’ adoption of MCDs. Based on our theoretical framework, we identify four influencing factors - merits, maturity, maneuverability, and mentality - which we consider to be relevant to the decision of consumers in adopting MCDs. We also identify two generic antecedents of these influencing factors - mobility and matching. We plan to investigate the extent of influence of these influencing factors and their antecedents, which will affect consumers’ adoption decisions of MCDs. Figure 1 is a graphical representation of our conceptual model of the adoption of MCDs by consumers.


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