scholarly journals Understanding FinTech Platform Adoption: Impacts of Perceived Value and Perceived Risk

2021 ◽  
Vol 16 (5) ◽  
pp. 1893-1911
Author(s):  
Jianli Xie ◽  
Liying Ye ◽  
Wei Huang ◽  
Min Ye
Keyword(s):  
Perceived Risk ◽  
Perceived Value ◽  
Future Research ◽  
It Adoption ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Adoption Research ◽  
Adoption Intention ◽  
Core Construct

FinTech platforms are one of the most important elements in the rapidly digitized world’s economy. This study investigates the factors that affected individuals’ acceptance of FinTech services, especially on internet wealth management platforms. The current research extends the unified theory of acceptance and use of technology (UTAUT) published by MIS Quarterly with integrated financial consumption attributes (i.e., perceived value and perceived risk) alongside the core construct of UTAUT. Data were collected from an established survey company. The empirical results indicate that perceived value, perceived risk, and social influence are strongly related to individuals’ FinTech adoption intention, whereas performance expectancy, effort expectancy, and perceived risk affect individuals’ perceived value, which in turn influences adoption intention. The proposed FinTech adoption model could contribute to information technology (IT) adoption research by extending the UTAUT in which individuals’ performance expectancy and effort expectancy affect their adoption intention indirectly through perceived value. Finally, the implications of the proposed new model for future research and FinTech practice are discussed.

Who Influences Whom? Analyzing Workplace Referents’ Social Influence on it Adoption and Non-Adoption

2009 ◽  
Vol 24 (1) ◽  
pp. 11-24 ◽  
Author(s):  
Andreas Eckhardt ◽  
Sven Laumer ◽  
Tim Weitzel
Keyword(s):  
Social Influence ◽  
Peer Groups ◽  
Future Research ◽  
It Adoption ◽  
Intention To Adopt ◽  
Use Of Technology ◽  
The Social ◽  
It Department ◽  
Adoption Research ◽  
Using Data

Technology adoption research has long struggled to incorporate normative beliefs from sources in the social environment of adopters into adoption models. We study the role of social influence from different workplace referent groups, like superiors and colleagues from the same or the IT department, on the intention to adopt. An empirical analysis, using data from 152 firms, based on the Unified Theory of Acceptance and Use of Technology and related approaches reveals that social influence on adoption significantly differs with regard to both source (peer groups) and sink (adopters and non-adopters) of the influence. The results imply that a single cumulative subjective norm measure might be too naive and that future research might considerably improve our understanding of IT adoption and non-adoption by revealing the differential impact of various peer groups on adoption intention, and also on its antecedents.

Exploring Antecedents of Peoples' Intention to Use Smart Services in Smart City Environment: An extended UTAUT Model

2021 ◽  
Author(s):  
R K Jena
Keyword(s):  
Smart City ◽  
Perceived Risk ◽  
Indian Government ◽  
Smart Services ◽  
City Environment ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
The People ◽  
Effort Expectancy ◽  
The Right

ABSTRACT The Indian government is currently developing scalable and sustainable smart city infrastructures to address the urbanization problem in India. However, the smart city project will only be successful if the people accept and use smart services. Therefore, this study investigates peoples’ acceptance of smart services using a modified unified theory of acceptance and use of technology model (UTAUT). The results demonstrate that performance expectancy, effort expectancy, and attitude are significant factors in peoples’ usage intention toward smart services. Furthermore, the study tested the moderating effect of task-technology fit and perceived risk on the relationship between performance expectancy, effort expectancy, and attitude and usage intention. The study’s findings will help decision-makers and professional accountants to understand and implement robust accounting processes responsible for selecting the right digital tools for the right reasons to enhance peoples’ usage intention in a smart city environment.

Effects of trust and perceived risk on user acceptance of a new technology service

2013 ◽  
Vol 41 (4) ◽  
pp. 587-597 ◽  
Author(s):  
Ji-Hwan Lee ◽  
Chi-Hoon Song
Keyword(s):  
Social Influence ◽  
Perceived Risk ◽  
Structural Equation ◽  
New Technology ◽  
Equation Modeling ◽  
Intention To Use ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
The Republic

We explored the precise impacts of trust and perceived risk on the core constructs of the unified theory of acceptance and use of technology (UTAUT). We applied the UTAUT model to the novel context of the Certified e-Document Authority (CeDA) service used in the Republic of Korea. Our results from structural equation modeling largely supported our hypotheses. Trust and perceived risk were shown to be direct antecedents of intention to use, and trust functioned as an indirect antecedent. Performance expectancy and social influence were shown to positively affect behavioral intention. Effort expectancy was also shown to influence performance expectancy. The combination of trust, perceived risk, performance expectancy, effort expectancy, and social influence accounted for 55.3% of the variance observed in users' intention to use CeDA services.

scholarly journals Adapting the UTAUT2 Model for Social Commerce Context

2022 ◽  
Vol 18 (1) ◽  
pp. 1-20
Author(s):  
Zaki Shoheib ◽  
Emad Ahmed Abu-Shanab
Keyword(s):  
Perceived Value ◽  
Unified Theory ◽  
Social Commerce ◽  
Extended Version ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Proposed Model ◽  
Effort Expectancy ◽  
Facilitating Conditions

Social commerce (SC) became a major channel for conducting business as a result of the ban adopted by many countries because of Covid-19 era. The simplicity of the Unified Theory of Acceptance and use of Technology (UTAUT) and its extended version (UTAUT2) invites researchers to explore other options that can yield better explanation of the adoption of SC. This study extended the UTAUT2 with perceived value, trust and a SC related construct. In addition, the study re-structured the UTAUT2 to fit with SC environment. The study utilized 463 surveys distributed in Qatar, and analyzed the data using SEM. Results fully supported the proposed model, where trust, perceived value, facilitating conditions, and hedonic motivation significantly predicted behavioral intentions with an R2 value equal to 72%. The model supported the role of performance expectancy and SC constructs in predicting perceived value, and the role of effort expectancy and habit in predicting hedonic motivation.

Customer online shopping anxiety within the Unified Theory of Acceptance and Use Technology (UTAUT) framework

2016 ◽  
Vol 28 (2) ◽  
Author(s):  
Hakan Celik
Keyword(s):  
Design Methodology ◽  
Online Shopping ◽  
Statistical Significance ◽  
Online Marketing ◽  
Future Research ◽  
Unified Theory ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Survey Responses

Purpose Few studies have investigated how anxiety operates within the Unified Theory of Acceptance and Use of Technology (UTAUT) Framework. Consequently, this investigation explores the influence of anxiety on the customer adoption of online shopping based on the UTAUT. Design/methodology/approach The UTAUT's framework was extended by proposing new casual pathways between anxiety and its existing constructs (e.g. effort expectancy, performance expectancy and behavioural intentions) within the contingencies of age, gender and experience. The Partial Least Squares (PLS) technique was employed to evaluate the statistical significance of the proposed pathways by analysing 483 sets of self-administrated survey responses. Findings The results indicate that anxiety simultaneously exerts negative direct influences on performance expectancy, effort expectancy and behavioural intention constructs. While the moderating effects of age, gender and experience on the anxiety-intention link were found to be significant, there was no evidence suggesting that they moderate anxiety-performance expectancy and anxiety-effort expectancy relationships. Research limitations/implications The limitations of the current study are inherent in its design and methodology, providing some directions for future research. Originality/value This study contributes to the theory by including anxiety in the UTAUT and applying it to the online shopping context. The evidence about the significance of anxiety, with contingencies regarding age, gender and experience, supplies practical implications for online marketing strategies.

scholarly journals Willingness and Influencing Factors of Pig Farmers to Adopt Internet of Things Technology in Food Traceability

2021 ◽  
Vol 13 (16) ◽  
pp. 8861
Author(s):  
Ruiyu Sun ◽  
Siyao Zhang ◽  
Tianyu Wang ◽  
Jiarui Hu ◽  
Junhu Ruan ◽  
...  
Keyword(s):  
Internet Of Things ◽  
Perceived Risk ◽  
Meat Products ◽  
Shaanxi Province ◽  
Food Traceability ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
New Ideas ◽  
Internet Of Things Technology ◽  
Adoption Intention

: The Internet of Things technology (IoT) in food traceability provides new ideas to solve the problem of smart production and offers new ideas for the formation of safe and high-quality markets for meat products. However, scholars have studied the combination of blockchain and IoT technology. There is a lack of research on the combination of IoT and food traceability technology. Moreover, previous studies focused on the application of IoT traceability technology, taking farmers’ adoption willingness as an exogenous variable while ignoring its endogeneity. Therefore, it is essential to study farmers’ willingness to adopt IoT traceability technology and find the factors that influence farmers’ adoption intention. Based on survey data from 264 pig farmers in Shaanxi Province, this paper discussed the factors which influence pig farmers’ adoption of the technology by using the Unified Theory of Acceptance and Use of Technology (UTAUT). The results showed that farmers’ adoption intention was influenced by a combination of farmers’ performance expectancy, effort expectancy, social influence, personal innovation, and perceived risk. Personal innovation played a mediating role in effort expectancy and adoption willingness and perceived risk played a moderating role in personal innovation and adoption willingness.

Modeling the Factors that Influence Ghanaian Entrepreneurs to Adopt e-Commerce

2021 ◽  
Vol 18 (06) ◽  
Author(s):  
Frederick Pobee
Keyword(s):  
Structural Equation ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Unified Theory ◽  
Cross Sectional ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Facilitating Conditions

This study investigated the factors that influence Ghanaian entrepreneurs to adopt e-commerce. Cross-sectional data was gathered from 520 entrepreneurs in the most populous and industrious regions in Ghana. The unified theory of acceptance and use of technology (UTAUT) was employed to effectively understand the unexplored phenomenon of e-commerce adoption among Ghanaian entrepreneurs. Partial Least Square-Structural Equation Modeling (PLS-SEM) was used to test the hypothesized relationships. The findings indicate that performance expectancy, effort expectancy, and social influence (SI) positively and significantly influenced the behavioral intention (BI) to adopt e-commerce. Facilitating conditions (FC) and BI had a significant positive relationship with the adoption of e-commerce.

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.

Determinants of Consumer Intention to Use Online Gambling Services

2016 ◽  
Vol 12 (4) ◽  
pp. 23-37 ◽  
Author(s):  
Nuno Fortes ◽  
António Carrizo Moreira ◽  
João Saraiva
Keyword(s):  
Perceived Risk ◽  
Online Survey ◽  
Online Gambling ◽  
Intention To Use ◽  
Unified Theory ◽  
Convenience Sample ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Usage Behavior ◽  
Facilitating Conditions

Online gambling has skyrocketed in recent years. As such, knowing the determinants of consumer usage behavior is crucial in understanding online gambling services. This study has as main objective the construction of an explanatory model of the online gambling services usage behavior, based on the incorporation of perceived risk in the conceptual framework of the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2). The empirical validation of the model was performed by conducting an online survey to a convenience sample of 212 Portuguese online players. Data were processed using the PLS-SEM methodology. The results evidence that performance expectancy, social influence, facilitating conditions, hedonic motivations, price value, habits, as well as perceived risk influence the intention to use online gambling services.

scholarly journals Analisis Penerimaan dan Penggunaan Aplikasi Gojek Menggunakan Model UTAUT

2020 ◽  
Vol 1 (1) ◽  
pp. 85-95
Author(s):  
Nadiyah Hidayati ◽  
Yudi Ramdhani
Keyword(s):  
Data Processing ◽  
Social Influence ◽  
Significant Influence ◽  
Behavioral Intention ◽  
Strong Relationship ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Data Processing Method ◽  
Effort Expectancy ◽  
Facilitating Conditions

Abstrak Objektif. Aplikasi Gojek merupakan aplikasi berbasis android yang menjadi pintu masuk bagi pelanggan untuk mendapatkan layanan yang disediakan PT Gojek Indonesia. Penelitian ini dilakukan untuk menganalisa faktor-faktor yang mempengaruhi penerimaan dan penggunaan aplikasi Gojek menggunakan model Unified Theory of Acceptance and Use of Technology (UTAUT) dengan 4 variabel bebas dan 1 variabel terikat yaitu ekspektasi kinerja, ekspektasi usaha, faktor sosial, kondisi-kondisi pemfasilitasi, dan niat perilaku. Penelitian ini dilakukan terhadap 100 responden pengguna aplikasi Gojek  pada SMK MVP Ars Internasional. Material and Metode. Model UTAUT digunakan untuk mengetahui tingkat keberhasilan penerimaan aplikasi Gojek agar dapat diterima oleh masyarakat. Metode pengolahan data yang digunakan adalah regresi linear berganda yang menggunakan software SPSS 22. Hasil. Dari pengolahan data tersebut didapatkan hasil bahwa variabel ekspektasi kinerja, ekspektasi usaha, faktor sosial dan kondisi-kondisi pemfasilitasi memiliki nilai korelasi sebesar 0,867 terhadap niat perilaku, artinya antara variabel independen dan dependen dalam penelitian ini memiliki hubungan yang sangat kuat, nilai R Square (R2) sebesar 75,2% sedangkan sisanya dipengaruhi variabel lain. Kesimpulan. Dengan demikian dapat disimpulkan bahwa secara simultan, variabel ekspektasi kinerja, ekspektasi usaha, faktor sosial, dan kondisi-kondisi pemfasilitasi berpengaruh secara positif dan signifikan terhadap niat perilaku aplikasi Gojek. Sedangkan secara parsial, hanya variabel ekspektasi kinerja dan faktor sosial yang memiliki pengaruh positif dan signifikan terhadap niat perilaku aplikasi Gojek. Sedangkan variabel ekspektasi usaha dan kondisi-kondisi pemfasilitasi tidak memiliki pengaruh positif dan signifikan terhadap niat perilaku dalam menggunakan aplikasi Gojek. Abstrack Objective. Gojek application is an android-based application that is the entrance for customers to get the services provided PT Gojek Indonesia. This study was conducted to analyze the factors that influence the acceptance of Gojek applications using the UTAU) method with 4 independent variables and 1 dependent variable namely Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, and Behavioral Intention. This research was conducted on 100 respondents of the Gojek application SMK MVP Ars International. Materials and Methods. The UTAUT model is used to determine the level of success in accepting Gojek applications to be accepted by the community. The data processing method used is multiple linear regression using SPSS 22 software. Results From the data processing, the results show that the variables of performance expectancy, effort expectancy, social influence, and facilitating conditions have a correlation value of 0,867 to behavioral intention, meaning between independent and dependent variables in this study has a strong relationship, the value of R Square (R2) of 75,2% while the rest is influenced by other variables. Conclusion. Thus it can be concluded that simultaneously, the variable performance expectancy, effort expectancy, social influence, and facilitating conditions positively and significantly affect the behavioral intention of Gojek applications. While partially, only the performance expectancy and social influence variables that have a positive and significant influence on the behavioral intention of Gojek application. While the effort expectancy and facilitating conditions variable does not have a positive and significant influence on Behavioral Intentionin using the Gojek application.

Sign in / Sign up

Export Citation Format

Share Document