scholarly journals A Comparative Study of Users versus Non-Users’ Behavioral Intention towards M-Banking Apps’ Adoption

Information ◽  
2022 ◽  
Vol 13 (1) ◽  
pp. 30
Author(s):  
Vaggelis Saprikis ◽  
Giorgos Avlogiaris ◽  
Androniki Katarachia
Keyword(s):  
Behavioral Intention ◽  
Structural Equation ◽  
Banking Sector ◽  
Value Added ◽  
Business Strategies ◽  
Equation Modeling ◽  
Information And Communications Technologies ◽  
Use Of Technology ◽  
Financial Transactions ◽  
The Impact

The banking sector has been considered as one of the primary adopters of Information and Communications Technologies. Especially during the last years, they have invested a lot into the digital transformation of their business process. Concerning their retail customers, banks realized very early the great potential abilities to provide value added self-services functions via mobile devices, mainly smartphones to them; thus, they have invested a lot into m-banking apps’ functionality. Furthermore, the COVID-19 pandemic has brought out different ways for financial transactions and even more mobile users have taken advantage of m-banking app services. Thus, the purpose of this empirical paper is to investigate the determinants that impact individuals on adopting or not m-banking apps. Specifically, it examines two groups of individuals, users (adopters) and non-users (non-adopters) of m-banking apps, and aims to reveal if there are differences and similarities between the factors that impact them on adopting or not this type of m-banking services. To our knowledge, this is the second scientific attempt where these two groups of individuals have been compared on this topic. The paper proposes a comprehensive conceptual model by extending Venkatech’s et al. (2003) Unified Theory of Acceptance and Use of Technology (UTAUT) with ICT facilitators (i.e., reward and security) and ICT inhibitors (i.e., risk and anxiety), as well as the recommendation factor. However, this study intends to fill the research gap by investigating and proving for the first time the impact of social influence, reward and anxiety factors on behavioral intention, the relationship between risk and anxiety and the impact of behavioral intention on recommendation via the application of Confirmatory Factor Analysis and Structural Equation Modeling (SEM) statistical techniques. The results reveal a number of differences regarding the factors that impact or not these two groups towards m-banking app adoption; thus, it provides new insights regarding m-banking app adoption in a slightly examined scientific field. Thus, the study intends to assist the banking sector in better understanding their customers with the aim to formulate and apply customized m-business strategies and increase not only the adoption of m-banking apps but also the level of their further use.

scholarly journals ANALISIS PENERAPAN MODEL UTAUT (UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY) TERHADAP PERILAKU PENGGUNA SISTEM INFORMASI (STUDI KASUS: SISTEM INFORMASI AKADEMIK PADA STTNAS YOGYAKARTA)

2017 ◽  
Vol 7 (2) ◽  
pp. 165
Author(s):  
Trie Handayani ◽  
Sudiana Sudiana
Keyword(s):  
Information Systems ◽  
Social Influence ◽  
Behavioral Intention ◽  
Structural Equation ◽  
Equation Modeling ◽  
Analysis Tool ◽  
Unified Theory ◽  
Use Of Technology ◽  
Academic Information ◽  
The Impact

The appears of the popularity of web technologies and applications have created a vast opportunity for organizations, including institutions of higher education. With the presence of Academic information systems (SiAkad) that is in STTNAS, then do some research to find out the intention of the behavior in the use of Academic information systems using the UTAUT model (Unified Theory Of Acceptance And Use Of Technology). The phenomenon underlying this study is: not yet optimal use of Academic information systems by civitas academic (professors, students and employees) in the process of learning and socializing, so the existence of maximal and haven't yet SiAkad his crisp utilization impact of its use for the entire civitas academic. The study was limited in its scope: the analysis of the influence of Performance Expextancy, Expextancy Effort, Social Influence and Facilitating Condition against the intention SiAkad usage behavior in STTNAS in Yogyakarta. The data in the study on the test with the SEM analysis tool (Structural Equation Modeling). SEM is a tool of statistical analysis that are used to complete the research of multilevel models simultaneously. SEM can be used to solve equations with variables that make up the path. Research results based on the analysis and discussion is a variable PerformanceExpectancy (PE), Social Influence (SI) and Facilitating Condition (FC) effect significantly to Behavioral Intention, while variable Effort Expectancy (EE) provides results that are not significant. Fourth overall Predictor is only able to explain the impact on behavioral intention of 37,6 percent.

scholarly journals The Relationship of Sustainability Communication on Social Media with Banking Consumers’ Loyalty through e-WOM

2021 ◽  
Vol 13 (7) ◽  
pp. 3832
Author(s):  
Gao Wei ◽  
Wang Lin ◽  
Wu Yanxiong ◽  
Yan Jingdong ◽  
Sadik Yusuf Musse
Keyword(s):  
Social Media ◽  
Structural Equation ◽  
Positive Emotions ◽  
Banking Sector ◽  
Equation Modeling ◽  
Consumer Loyalty ◽  
Csr Communication ◽  
Prior Literature ◽  
Corporate Social ◽  
The Impact

Prior literature has largely addressed corporate social responsibility (CSR) from outcomes related to organizational themes. However, its importance for achieving consumer-related outcomes is something that has been largely ignored by contemporary researchers. Likewise, how CSR communication through social media can create positive emotions on the part of consumers has to date been under-explored. Hence, the present study aims to fill these gaps by investigating the impact of CSR communication of an organization through social media on consumer loyalty. The study also proposes electronic word of mouth (e-WOM) as a potential mediator between this relationship. The proposed model of the present study was tested in the banking sector of a developing country. The data were collected from a self-administered questionnaire and analyzed through the structural equation modeling technique (SEM). The results of the present study validated that CSR communication of a bank through social media directly and indirectly, through e-WOM, influences consumer loyalty in a positive manner. The results of the present study will be helpful for policymakers to better understand how well-planned CSR communication of an organization on social media can lead towards better consumer-related outcomes such as consumer loyalty and e-WOM.

The Moderating Effects of Gender on E-Commerce Systems Adoption Factors

2018 ◽  
Vol 9 (4) ◽  
pp. 86-104
Author(s):  
Frederick Pobee ◽  
Daniel Opoku
Keyword(s):  
Behavioral Intention ◽  
Structural Equation ◽  
Equation Modeling ◽  
Moderating Effects ◽  
Performance Expectancy ◽  
Adoption Factors ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Actual Use ◽  
Facilitating Conditions

The purpose of this article was to investigate the moderating effects of gender on e-commerce systems adoption factors among university lecturers in Ghana. In order to achieve this purpose, the unified theory of acceptance and use of technology (UTAUT) was used as the theoretical lens for the study. Eight hypotheses were developed and tested. Data analysis was performed with a structural equation modeling (SEM) technique using SmartPLS Application. Using a survey of 223 respondents, the study showed that factors such as performance expectancy, effort expectancy, and facilitating conditions positively and significantly influenced Ghanaian lecturers' behavioral intention and ultimately the actual use of e-commerce systems. As for the moderating effects of gender, this study discovered that gender insignificantly moderated the effects of performance expectancy, effort expectancy and social influence on behavioral intention.

scholarly journals Social Distancing, Health Concerns, and Digitally Empowered Consumption Behavior Under COVID-19: A Study on Livestream Shopping Technology

2021 ◽  
Vol 9 ◽  
Author(s):  
Qiwei Pang ◽  
Haiyang Meng ◽  
Mingjie Fang ◽  
Jingjing Xing ◽  
Jinge Yao
Keyword(s):  
Behavioral Intention ◽  
Structural Equation ◽  
Health Belief ◽  
Consumer Trust ◽  
Equation Modeling ◽  
Perceived Severity ◽  
Social Distancing ◽  
Belief Model ◽  
The Impact ◽  
The Health Belief Model

During the COVID-19 pandemic, livestream shopping has provided consumers with a way to maintain social distancing while offering an alternative to offline shopping. This study aims to understand the impact of COVID-19 and other public health crises on the behavioral intentions of consumers using livestream shopping technology. A theoretical model was designed that combines the health belief model, trust theory, and the theory of planned behavior. Empirical data were collected from 358 residents in China and then analyzed using structural equation modeling. The results showed that perceived susceptibility, perceived severity, perceived benefits, and perceived obstacles had a significant impact on consumer trust. Consumer trust in turn had a direct impact on behavioral intention and an indirect impact on behavioral intention via attitude. These research results have practical implications for livestream shopping merchants, platform decision-makers, and service designers.

Mobile-banking adoption: empirical evidence from the banking sector in Pakistan

2018 ◽  
Vol 36 (7) ◽  
pp. 1386-1413 ◽  
Author(s):  
Maya F. Farah ◽  
Muhammad Junaid Shahid Hasni ◽  
Abbas Khan Abbas
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Banking Sector ◽  
Perceived Value ◽  
Equation Modeling ◽  
Mobile Banking ◽  
Content Type ◽  
Actual Use ◽  
Use Behavior ◽  
The Impact

Purpose The purpose of this paper is to study the important factors which help explain consumer intention and use behavior in mobile banking (m-banking) adoption. All constructs of the unified theory of acceptance and use of technology 2 are studied. Non-monetary value is studied through perceived value. Trust and perceived risk are also included to predict intention. Design/methodology/approach A questionnaire was utilized to evaluate customer responses on a five-point Likert scale. A convenience sampling technique was used to collect data from a sample of 490 respondents in Pakistan. The data were analyzed using AMOS and SPSS for Cronbach’s α, CR, CMV, AVE, Harmon’s single factor test, correlation and structural equation modeling. Findings The results of the study show that most of the predictors of intention, including perceived value, performance expectancy, habit, social influence, effort expectancy, hedonic motivation (except for facilitating condition), perceived risk and trust, are significant. All predictors of usage behavior are significant. Research limitations/implications A cross-sectional study was conducted due to time constraints. Practical implications Bank managers must focus on improving customers’ intentions to use m-banking as well as on providing facilitating conditions to increase its actual use. To boost mobile banking, banks’ management must consider the customers’ habits while designing their m-banking products. Originality/value The findings of this paper are not only interesting in terms of boosting m-banking diffusion rate, but also in terms of financial inclusion of the vast majority of mobile users. Further the impact of intention, facilitating condition and habit were checked on actual use behavior since people tend not always to act upon their intentions.

Factors influencing the adoption of crowdfunding in Bangladesh: a study of start-up entrepreneurs

2019 ◽  
pp. 026666691989555
Author(s):  
Mohammad Tariqul Islam ◽  
Muhammad Tahir Abbas Khan
Keyword(s):  
Behavioral Intention ◽  
Structural Equation ◽  
Equation Modeling ◽  
Perceived Trust ◽  
Intention To Adopt ◽  
Use Of Technology ◽  
Start Up ◽  
Actual Use ◽  
Facilitating Conditions ◽  
Use Behavior

Despite widespread adoption of crowdfunding for funding social donation projects, its adoption among start-up entrepreneurs is significantly low, in developing countries in particular. Research has been performed to investigate the crowdfunding adoption intention of start-up entrepreneurs in Bangladesh. This study aimed to identify the motivation behind the intentions of the entrepreneurs to adopt crowdfunding, using the Unified Theory of Acceptance and Use of Technology (UTAUT) model with extensions. Empirical data were collected from 317 respondents and analyzed using Partial Least Squares-based Structural Equation Modeling (PLS-SEM). The results indicate that performance expectancy, effort expectancy, social influence, facilitating conditions and perceived trust mpact significantly ion the entrepreneurs’ behavioral intention to adopt crowdfunding. In contrast, trialability and perceived trust were not found to be significant determinants. However, trialability has a significant positive relation with use behavior or actual use, whereas no significant relationship has been identified between behavioral intention and use behavior.

The Effect of Pleasure and Arousal on Satisfaction and Word-of-Mouth: An Empirical Study of the Indian Banking Sector

2013 ◽  
Vol 38 (2) ◽  
pp. 95-104 ◽  
Author(s):  
Gopal Das
Keyword(s):  
Customer Satisfaction ◽  
Conceptual Model ◽  
Structural Equation ◽  
Word Of Mouth ◽  
Banking Sector ◽  
Positive Impact ◽  
Sampling Procedure ◽  
Equation Modeling ◽  
Public And Private Sector ◽  
The Impact

During the last decade, the Indian banking sector has shown a remarkable advancement in terms of innovation, growth, and value creation. Behind this development of the Indian banking sector, several factors like customer satisfaction and word-of-mouth (WOM) are responsible. Literature has reported that pleasure and arousal play an important role in customer satisfaction. Investigations have been carried out on the influence of pleasure and arousal on behavioural intentions including satisfaction and WOM. However, there has been no such study for the banking sector. This gap in research has motivated this study. This paper suggests a conceptual model in which pleasure and arousal directly influence satisfaction and WOM. It also tests the impact of satisfaction on WOM. Based on prior literature, several hypotheses stating the linkages among pleasure, arousal, satisfaction, and word-of-mouth were developed. Russell�s framework for pleasure and arousal (emotion) formed the basis of the model. For the purpose of the study, face-to-face interviews with a structured questionnaire were conducted to collect data. Participants included customers above 18 years from both public and private sector banks in three cities namely, Kolkata, Durgapur, and Haldia of West Bengal, India. Data collection was done with the use of area sampling procedure. Out of 500 questionnaires administered, about 310 questionnaires were useable for analysis. The data analysis was done with SPSS 19 and AMOS 18. Structural equation modeling (SEM) using AMOS 18 was applied to explore the links between the constructs in the conceptual model. The overall fit of the conceptual model was assessed using several indices furnished in the AMOS output. The fit index results suggested model fitness with the data. The results of the study indicate that: Pleasure has significant positive and negative impacts on satisfaction and WOM respectively. Arousal has significant negative and positive impact on satisfaction and WOM. Satisfaction has positive significant impact on WOM.

scholarly journals A Study on the Impact of Online Word-of-Mouth for Airlines on Customer Behavior

2017 ◽  
Vol 11 (1) ◽  
pp. 81-89
Author(s):  
Yong-Sook Kim ◽  
Jin-Woo Park
Keyword(s):  
Behavioral Intention ◽  
Structural Equation ◽  
Word Of Mouth ◽  
Online Communication ◽  
Customer Behavior ◽  
Communication Strategy ◽  
Equation Modeling ◽  
Online Word Of Mouth ◽  
The Impact ◽  
Academic Implications

Introduction:This study analyzes the impact of online word-of-mouth for airlines on the behavioral intention of airline customers through information acceptance and satisfaction.Methods:A survey is carried out with customers who use airline social media and websites. A total of 270 questionnaires is analyzedviastructural equation modeling.Results:The results indicate that online word-of-mouth has a significant impact on acceptance and satisfaction, and satisfaction has a significant impact on behavioral intention.Conclusion:This research has practical implications in that it can provide the basic data necessary to establish an efficient online communication strategy for airline online word-of-mouth. It also has academic implications in that it examines the impact of airline online word-of-mouth on customer behavior.

scholarly journals Exploring the Effect of Coupon Proneness and Redemption Efforts on Mobile Coupon Redemption Intentions

2016 ◽  
Vol 8 (6) ◽  
pp. 1
Author(s):  
Ernesto Gonzalez
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Reasoned Action ◽  
Action Theory ◽  
Business Students ◽  
Descriptive Analysis ◽  
Equation Modeling ◽  
Use Of Technology ◽  
Mobile Coupons ◽  
The Impact

<p>This paper examined the impact of coupon proneness and redemption efforts on the intention to redeem or use mobile coupons from the smartphones in a sample of business students at Florida National University. The descriptive analysis, which was based on the Theory of Reasoned Action, Theory of Plan Behavior, Acquisition-Transaction Utility Theory, Unified Theory of Acceptance and Use of Technology, and The Technology Acceptance Model Theory, used the coupon proneness, redemption efforts and the intention to redeem or use mobile coupons scales adapted to mobile coupons setting. Structural equation modeling revealed two subcomponents of the coupon proneness (coupon propensity and enjoyment) and high and significant values of coupon propensity and enjoyment on the intention to redeem or use mobile coupons for the groups of students. However, the impact of redemption efforts on the intention to redeem or use mobile coupons was negative as expected, but weak and not significant.</p>

Exploring key factors influencing customer behavioral intention in robot restaurants

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Xinhua Guan ◽  
Jinhong Gong ◽  
Mingjie Li ◽  
Tzung-Cheng Huan
Keyword(s):  
Service Delivery ◽  
Behavioral Intention ◽  
Structural Equation ◽  
Negative Attitude ◽  
Individual Characteristics ◽  
Service Robots ◽  
Equation Modeling ◽  
Content Type ◽  
The Impact

Purpose The purpose of this study is to explore the impact of the robot restaurant servicescape and robot service competence (RSC) on customers’ behavioral intentions and to analyze the mediating role of hedonic value (HV) and utilitarian value (UV) in these relationships and the moderating role of individual characteristics. Design/methodology/approach This research involves seven constructs to be measured, namely, servicescape, RSC, negative attitude toward robots (NAR), openness to change (OC), HV, UV and behavioral intention. This research selects Foodom robot restaurants, located in Shunde and Guangzhou of China, as the research site, and the research objects are customers having dinner in the restaurant. A total of 485 valid data was collected. Structural equation modeling was used to analyze the data, verify the proposed research model, and test the research hypotheses. Findings The study finds that servicescape and RSC improve customer behavioral intention. Additionally, HV and UV mediate the influence of servicescape and RSC on customer behavioral intention. Moreover, OC negatively moderates the influence of servicescape on UV and that a NAR negatively moderates the influence of RSC on HV. Originality/value Through carefully design of servicescape and the improvement in service capabilities of robots, the original service delivery dominated by frontline service personnel can be transformed into service delivery dominated by service robots, which is conductive to providing a pleasant and unforgettable experience for customers.

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