scholarly journals Faktor-Faktor Yang Mempengaruhi Niat UMKM di Kota Padang Menggunakan e-Payment sebagai Metode Pembayaran

Owner ◽  
2022 ◽  
Vol 6 (1) ◽  
pp. 212-224
Author(s):  
Lidya Namira
Keyword(s):  
Risk Perception ◽  
Financial Services ◽  
Perceived Risk ◽  
Structural Equation ◽  
Equation Model ◽  
Ease Of Use ◽  
Public Access ◽  
Primary Data ◽  
Payment Method ◽  
Perceived Ease Of Use

Technological developments are experiencing rapid progress which will provide convenience in accessing information and in managing resources effectively and efficiently. This development has also spawned innovations, especially in financial technology that can facilitate public access to financial services, one of which is e-Payment. This study aims to obtain empirical evidence regarding the effect of perceived benefits, perceived ease of use and perceived risk on MSME's intention to use e-Payment as a Payment Method. This study uses a theory, namely The Theory Acceptance Model (TAM) which is modified by adding a risk perception variable. The data used in this study are primary data obtained from online questionnaires distributed to 95 MSMEs throughout the city of Padang which were selected using the non-probability sampling method with the Slovin formula. The data analysis technique used is SEM (Structural Equation Model) using SmartPLS 3.0 software. From the results of this study indicate that of all the constructs that have been tested, namely the perception of benefits, ease of use and risk affect the intention of MSMEs in using e-Payment as a payment method. In this study, the TAM theory coupled with risk perception has proven that the independent variable in this study can explain its influence on the behavioral intention variable by 48.5% on the intention variable.

Understanding Vietnamese Consumer Intention to Use Online Retailer Websites

2020 ◽  
Vol 12 (2) ◽  
pp. 1-15
Author(s):  
A. F. M. Jalal Ahamed ◽  
Yam Limbu ◽  
Long Pham ◽  
Ha Van Nguyen
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Risk ◽  
Structural Equation ◽  
Online Shopping ◽  
Equation Model ◽  
Ease Of Use ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Acceptance Model

This study examines the applicability of an extended technology acceptance model (TAM) that incorporates trust, perceived risk, and self-enhancement as antecedents to the TAM constructs. Data collected from 299 Vietnamese online consumers, through a self-administered survey, were entered into a structural equation model using AMOS 23 to establish causality. The results partially confirm the applicability of TAM to the online shopping intentions of Vietnamese consumer, though contrary to expectations, perceived ease of use does not predict behavioral intentions. Trust and self-enchantment fit well with the TAM; the inclusion of perceived risk as an antecedent is questionable. The findings offer new opportunities for explaining TAM theory in light of Schwartz's value dimensions. This article thus concludes with a discussion of the research contributions and implications.

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.

Understanding Vietnamese Consumer Intention to Use Online Retailer Websites

2021 ◽  
pp. 984-999
Author(s):  
A. F. M. Jalal Ahamed ◽  
Yam Limbu ◽  
Long Pham ◽  
Ha Van Nguyen
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Behavioral Intentions ◽  
Structural Equation ◽  
Online Shopping ◽  
Equation Model ◽  
Ease Of Use ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Acceptance Model

This study examines the applicability of an extended technology acceptance model (TAM) that incorporates trust, perceived risk, and self-enhancement as antecedents to the TAM constructs. Data collected from 299 Vietnamese online consumers, through a self-administered survey, were entered into a structural equation model using AMOS 23 to establish causality. The results partially confirm the applicability of TAM to the online shopping intentions of Vietnamese consumer, though contrary to expectations, perceived ease of use does not predict behavioral intentions. Trust and self-enchantment fit well with the TAM; the inclusion of perceived risk as an antecedent is questionable. The findings offer new opportunities for explaining TAM theory in light of Schwartz's value dimensions. This article thus concludes with a discussion of the research contributions and implications.

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 Intention to use online meeting applications during Covid-19 pandemic: A Technology Acceptance Model perspective

2021 ◽  
Vol 14 (1) ◽  
pp. 77
Author(s):  
Gilang Puspita Rini ◽  
Imroatul Khasanah
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Structural Equation ◽  
Equation Model ◽  
Ease Of Use ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Validity And Reliability ◽  
Risk Effect ◽  
Acceptance Model

<p>This research aims to add to the repertoire on the knowledge of perceived risk effect on the intention to use online meeting applications during the COVID-19 pandemic. Data were obtained from 186 respondents using the questionnaire instrument, which had been tested, for validity and reliability. The obtained data were analyzed using the Structural Equation Model. Based on the data testing, it was found that all hypotheses in this research were accepted. Therefore, the intention to use online meeting applications was most affected by perceived ease of use comparing to perceived risk. The results showed that developingcompanies increased perceived ease of use, hence the technology is easily accepted by consumers. </p>

scholarly journals How Inclusive Digital Financial Services Impact User Behavior: A Case of Proximity Mobile Payment in Korea

2021 ◽  
Vol 13 (17) ◽  
pp. 9567
Author(s):  
Hong-Lei Mu ◽  
Young-Chan Lee
Keyword(s):  
Financial Services ◽  
Perceived Risk ◽  
Structural Equation ◽  
Service Providers ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Switching Behavior ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Perceived Ease Of Use

Users’ payment behaviors have changed. The diffusion of mobile devices makes people suitable for proximity mobile payment (PMP) services without traditional payment. Existing mobile payment literature mainly focuses on the adoption and continuous usage behavior. Nevertheless, switching behavior on payment has received little attention, especially on why people switch from traditional payment to PMP. Thus, the purpose of this study is to investigate factors influencing users’ traditional payment–PMP switching to comprehend how these factors shape switching intention. To that end, we developed a traditional payment–PMP transition model based on the push–pull–mooring framework derived from migration theory. This study conducted a structural equation modeling analysis on 311 valid data. The findings indicated that a push factor drives users away from traditional payment in terms of dissatisfaction. The pull factors, including perceived substitutability and perceived usefulness, attract users to PMP. Furthermore, a positive mooring factor facilitates users’ switching intention to PMP in terms of perceived technical compatibility. The negative mooring factor, in terms of perceived risk, hinders users’ switching intention. However, another pull factor—perceived ease of use—failed to influence switching intention significantly. This study found some distinctions between mobile payment switching and mobile payment adoption. These findings provide pivotal insights for mobile payment service providers.

scholarly journals Students Acceptance of Google Classroom: An Exploratory Study using PLS-SEM Approach

2018 ◽  
Vol 13 (06) ◽  
pp. 112 ◽  
Author(s):  
Rana A. Saeed Al-Maroof ◽  
Mostafa Al-Emran
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Equation Model ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Perceived Ease Of Use ◽  
Online Questionnaire ◽  
Actual Usage

Google classroom can work in unidirectional process as it can serve the teachers’ strategies and styles on one hand and students’ perception, understanding, and effective participation in different classroom skills on the other hand. The ac-ceptance of Google classroom is affected by different factors. Some of them are still not clearly specified and discussed in previous research; therefore, they need further investigation. Based on the previous assumption, this study is an attempt to examine the factors that affect the students’ acceptance of Google classroom at Al Buraimi University College (BUC) in Oman. The Technology Acceptance Model (TAM) was adopted to formulate the hypotheses of the current study. The data was collected through an online questionnaire with 337 respondents. The Partial Least Square-Structural Equation Model (PLS-SEM) approach was used to assess both the measurement and structural models. The results of the study prove that both the perceived ease of use (PEOU) and perceived usefulness (PU) positively influence the behavioral intention, which in turn influence the actual usage of Google classrooms. This study helps the decision makers of the higher educational institutions to have a better understanding of the effectiveness of us-ing Google classroom by their students. It is assumed that it helps in measuring the level of students’ acceptance to the previously mentioned technology.

scholarly journals PENGARUH ‘APPSCAPE’ TERHADAP ADOPSI APLIKASI MOBILE DAN M-LOYALTY PADA PENGGUNA APLIKASI TRAVELOKA DI INDONESIA

2019 ◽  
Vol 3 (4) ◽  
pp. 339-354
Author(s):  
Zelda Wildhania Basuki ◽  
Indira Rachmawati
Keyword(s):  
Mobile Phone ◽  
Structural Equation Model ◽  
Structural Equation ◽  
Equation Model ◽  
Ease Of Use ◽  
Perceived Ease Of Use ◽  
Perceived Enjoyment ◽  
Quota Sampling

Perbelanjaan produk dan jasa sudah bisa dilakukan dalam belanja online serta pengembangan teknologi bisa menunjang belanja online dalam mobile phone. Salah satunya adalah aplikasi belanja travel online, Traveloka sebagai penguasa belanja travel online dengan pengunduhan aplikasi tertinggi mempunyai peluang dan potensi besar dimasa depan untuk lebih berkembang lagi dan mampu bersaing dengan kompetitor sejenis.Penelitian ini menggunakan SEM-PLS untuk mengetahui pengaruh ‘Appscape’ terhadap Adopsi Aplikasi Mobile dan M-Loyalty pada pengguna Aplikasi Traveloka di Indonesia. Penelitian ini dilakukan pada semua pengguna aplikasi Traveloka di Indonesia. Menggunakan metode kuantitatif, menyebarkan kuisioner kepada 400 responden. Menggunakan skala likert dengan jenis quota sampling. Teknik analisis data dengan Structural Equation Model diolah dengan SmartPLS versi 3.0.Hasil dari penelitian ini yaitu terdapat 6 item hipotesis yang ditolak dan 17 item hipotesis yang diterima. Saran dari penelitian ini yaitu perceived enjoyment dan perceived ease of use menjadi prioritas utama untuk dikembangkan oleh perusahaan pada aplikasi Traveloka.

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.

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