scholarly journals DETERMINANTS OF EFFECTIVENESS REPAYMENT APPS AT P2P LENDING PLATFORM DURING COVID 19 PANDEMIC IN INDONESIA

2021 ◽  
Vol 13 (1) ◽  
pp. 156-172
Author(s):  
Florentina Kurniasari ◽  
Prio Utomo
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Quantitative Research ◽  
Information Quality ◽  
Technology Development ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Primary Data ◽  
Perceived Ease Of Use ◽  
P2p Lending

Abstract— The advance of technology development today brings an innovation in the financial industries all across the world, including in Indonesia. The financial technology continues to emerge from the sector of payment, investment and loans online or as we are familiar with the term P2P Lending platform. But, the growth of this business had a challenge when the Covid-19 Pandemic hit the country in the early 2020. The P2P lending platform experienced the first highest default rate due the difficulties of the SME’s as its major customers’ in repaying their loans. The purpose of this research is to analyze the determinants of effectiveness repayment apps for ultra-micro segment on P2P platform in Indonesia. As a quantitative research, primary data were collected through questionnaire answered by 133 respondents who were borrower of the P2P lending platform. The data collection was furthered processed statistically using Structural Equation Method (SEM). The study showed that the repayment decision had significantly influenced by perceived usefulness, perceived ease of use, perceived risk and information quality. Information quality itself had the highest influenced among others.   Keywords: Perceived Usefulness; Perceived Ease of Use; Information Quality; Perceived Risks; Repayment Decision; Repayment Apps

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.

Enhancing Entrepreneurship

2020 ◽  
pp. 87-108
Author(s):  
Nikolaos G. Bitzidis ◽  
Sotirios G. Dimitriadis ◽  
George I. Karavasilis ◽  
Evangelos C. Kehris ◽  
Vasiliki G. Vrana
Keyword(s):  
User Satisfaction ◽  
Perceived Risk ◽  
Structural Equation ◽  
Public Procurement ◽  
Business Environment ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Added Value ◽  
Perceived Ease Of Use ◽  
Entrepreneurial Activities

One of the major roles of governments is to create a favorable business environment for fostering entrepreneurial activities, including good infrastructure and a culture that encourages the adoption of technologies. In such a policy context, the Greek National Electronic Public Procurement System (ESIDIS) was developed. The use of ESIDIS is mandatory for the employees, and its success depends on users' satisfaction. The chapter investigates the factors influencing employees' satisfaction when using the system. Perceived usefulness, perceived ease-of-use, perceived risk, and willingness to learn were investigated using empirical research. Structural equation modeling was used for the analysis of the data. Perceived usefulness has the most significant role in determining user satisfaction while risks importance is diminished when users understand the usefulness of the system for their job performance. Managers and policymakers should take these factors into consideration in order to improve users' satisfaction and consequently maximize the added value of the system for the entrepreneurs.

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.

scholarly journals Citizen Perceptions of E-Government in the Kurdistan Region of Iraq

2015 ◽  
Vol 19 ◽  
Author(s):  
Khosro Mohammad Ahmed ◽  
John Campbell
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Information Quality ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Capital City ◽  
Intention To Use ◽  
Kurdistan Region ◽  
Government Services ◽  
Self Rule

Despite increasing investment by governments globally, citizens in some countries are less willing to engage with e-government innovations. While previous studies have examined what might encourage citizens to adopt e-government services more broadly, further research is required to understand those factors that impede or enable e government adoption in countries that have, or are in the process of, transitioning to democratic self-rule. This study is the first to investigate citizen attitudes to e-government adoption in the Kurdistan Region of Iraq and thus provides insight into the factors affecting the adoption of e-government within an emerging democratic state. This study also distinguishes between two types of e-government services; informational and transactional. Thus a research model with two elements is developed and tested; one for intention to use informational e government and one for intention to use transactional e-government. Data were collected through a survey administered to university students and non-academic employees in Arbil the capital city of Kurdistan, and analysed using structural equation modelling. Perceived usefulness, social influence, trust in government and perceived risk were found to be significantly and directly associated with the intention to use both kinds of e-government services. However perceptions of ease of use, information quality and trust in the Internet were not significant.

scholarly journals Anteseden Mobile Banking Adoption

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

<p><strong>Abstra</strong><strong>k</strong></p><p><strong> </strong></p><p><strong>Tujuan –</strong>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.</p><p><strong>Desain/Metodologi/ Pendekatan – </strong>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.</p><p><strong>Temuan - </strong>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.</p><p><em> </em></p><p><strong><em>Abstract</em></strong></p><p><strong><em>Purpose </em></strong><em>–</em><em>The purpose of this study is to </em><em>analyze</em><em> the </em><em>effect of self eficacy on mobile adoption through percieved risk, percieved ease of use, percieved usefulness and behavioral intention</em><em></em></p><p><strong><em>Des</em></strong><strong><em>ign</em></strong><strong><em>/Met</em></strong><strong><em>hodology</em></strong><strong><em>/</em></strong><strong><em>Approach – </em></strong><em>Using 210 respondents of active mobile banking users in last 3 months, hypotheses were tested with Structural Equation Modeling by AMOS</em></p><p><strong><em>Findings</em></strong><em> - </em><em>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.</em></p><p> </p>

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

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.

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

2018 ◽  
Vol 120 (2) ◽  
pp. 290-308 ◽  
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.

Examination of factors influencing students and faculty behavior towards m-learning acceptance

2017 ◽  
Vol 34 (3) ◽  
pp. 166-188 ◽  
Author(s):  
Muhammad Bakhsh ◽  
Amjad Mahmood ◽  
Nazir A. Sangi
Keyword(s):  
Mobile Learning ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Primary Data ◽  
Perceived Ease Of Use ◽  
Faculty Perception ◽  
Content Type ◽  
Factors Influencing ◽  
Study Results

Purpose Mobile learning is a unique form of learning which uses the distinct features of mobile devices. The purpose of this paper is to investigate the present state of student and faculty perception towards m-learning at open and distance educational institutes in Pakistan. Design/methodology/approach The paper presents a conceptual model based on TAM, which explains factors influencing student and faculty perception towards m-learning acceptance. M-learning acceptance mainly depends on personal attitude, so this study focusses on individual context. Primary data from students and faculty including tutors (n=612, students =448, faculty/tutors=162) was collected through a properly designed questionnaire by using purposive convenient sampling technique during Autumn 2015 semester. Structural equation modelling was used to analyse the collected data. Findings The results indicate that student and faculty skill readiness and self-efficacy influence perceived ease of use and perceived usefulness, where these two factors along with prior experience positively influence behavioural intension (BI) to accept mobile learning. Furthermore study results specifically provide factors which positively influence BI either directly or indirectly. Research limitations/implications The study was limited to AIOU. Originality/value The study specifically provides factors which influence BI either directly or indirectly.

scholarly journals FACTORS THAT INFLUENCE THE INTENSITY OF THE USE OF DIGITAL PAYMENT (CASE STUDY IN OVO USERS)

2020 ◽  
pp. 89-99
Author(s):  
Triyani Budyastuti
Keyword(s):  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Primary Data ◽  
Perceived Ease Of Use ◽  
In Ovo ◽  
Analysis Technique ◽  
Digital Payments ◽  
Questionnaire Method

The purpose of this study is to analyze the factors that influence the intensity of the use of digital payments, especially users of OVO applications. Factors that are suspected to have an influence on the intensity of the use of digital payments in OVO applications are perceived ease of use, perceived risk of use, perceived usefulness of use and trust. The population in this study were all students of the Faculty of Economics, University of Mercu Buana and students of the Faculty of Economics, University of Prof. Dr. Moestopo (Beragama). Sampling was carried out by random sampling method totaling 115 respondents, 60 respondents from the Faculty of Economics, University of Mercu Buana and 55 respondents from the Faculty of Economics, University of Prof. Dr. Moestopo (Beragama). The primary data collection method used is the questionnaire method. Data analysis technique used in this study is multiple regression analysis techniques with test equipment using PLS 3.0. KEYWORDS: Usefulness, Risk, Ease of Use, Trust, Intensity Use of digital payment

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