What Motivates Users to Keep Using Social Mobile Payments?

The development of smartphones and mobile internet technologies has promoted the development of mobile payments worldwide. The core purpose of this study is to ascertain what the main factors are which affect Dutch customers’ adoption and experience of mobile payments. This study first addresses the concepts of mobile payments and customer experience and then explores the current Dutch financial and banking systems, before attempting to understand the recent researches worldwide on mobile payments. Based on quantitative research methods, the study examines the factors that influence the adoption and experience of mobile payments and the impacts of the COVID-19 outbreak on payment methods due to social distancing rules in the Netherlands. It finds that perceived ease of use, perceived usefulness, safety and trust are the main factors that affect the adoption of mobile payments, and mobile-payment providers need to improve technical protection and offer some benefits to boost the mobile-payment business. The COVID-19 outbreak has caused the decline of cash payments and the increase of contactless payments in the Netherlands; mobile payments ensure people’s health and help slow down the spread of the virus.

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Playing Safe in Online Games: Determinants of Player Acceptance of Account Security Technology

10.26686/wgtn.17003800.v1 ◽

2021 ◽

Author(s):

◽

Xiaomei Yang

Keyword(s):

Technology Acceptance ◽

Ease Of Use ◽

Perceived Usefulness ◽

Research Model ◽

Perceived Ease Of Use ◽

Security Issue ◽

Security Technology ◽

Perceived Security ◽

Protection Technology ◽

Perceived Enjoyment

Online security is a major problem for networked games worldwide. Specifically, account hijacking is on the rise. To fight against the security issue, game vendors are offering specific security services, such as account protection technology. The purpose of this paper is to validate an augmented Technology Acceptance Model (TAM) for the online gaming context. This research aims to investigate how players are influenced by perceived enjoyment and perceived security jointly with the traditional TAM instrument. It is hoped to explain online gamers’ behaviour toward newly emerging account security technology. The paper proposes a research model that describes the causal relationships between perceive usefulness, perceived enjoyment, perceived ease of use, perceived security, and the usage intentions for account protection technology in the most popular online game World of Warcraft. After the measurement assessment, the hypothesised model is statistically tested. The findings suggest that perceived enjoyment and perceived security jointly with two traditional TAM constructs have a positive influence on intention to use. While perceived ease of use positively affects perceived usefulness and perceived enjoyment, perceived security does not seem to affect both of them. This study contributes to the ongoing literature by formulating and validating a proposed research model to explore determinants of player adoption of security technology in the virtual gaming environment. It also provides useful information for both academia and industry.

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M-Payment as Financial Inclusion Strategy in Islamic Boarding School Cooperatives

SHS Web of Conferences ◽

10.1051/shsconf/20208601040 ◽

2020 ◽

Vol 86 ◽

pp. 01040

Author(s):

B APramuka ◽

P D I Kusuma ◽

Sugiarto

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Boarding School ◽

Ease Of Use ◽

Perceived Usefulness ◽

Financial Inclusion ◽

Mobile Payment ◽

Research Model ◽

Perceived Ease Of Use ◽

Acceptance Model

Financial inclusion refers to the use of financial services such as electronic money. Digital money receives tremendous attention globally, from buyers to sellers, as an alternative form of payment. The passions on this technology enormous and infectious, therefore attracting more followers from large merchant to smaller one including the cooperative. School cooperative serves as a center of economic with a wide range of activities, such as mini market, canteen, to serve the needs of students, teachers, and people in the surrounding area. One of the programs launched by the Central Bank of Indonesia is a financial inclusion to increase the financial literacy of people living in the remote area. In this case, Islamic conventional boarding school cooperative can become influencers in most of the surrounding community to attract people’s interest to adopt the technology. The purpose of this inquiry is to find out factors influencing the adoption of mobile payment and user’s intention and decision to adopt m-payment. Authors proposed an innovative research model based on the theory of technology acceptance model with the innovation characteristics of the diffusion of innovations, perceived security and intention to recommend the technology. The research model has empirically tested at 205 employees Islamic boarding schools across four regions. The independent variables under study include perceived ease of use, perceived usefulness, perceived credibility, subjective norms, and trust while the dependent variables are mobile payment adoption and intention to recommend the technology. The study uses structural equation modeling as a tool for analysis. The result indicated that perceived ease of use, perceived usefulness, and subjective norms have a significant influence on the adoption of mobile payment. The study also confirmed the relevance of users’ intention to recommend mobile payment technology. Thus, future research needs to include social media campaigns and technology adoption studies. For researchers, the result of this study act as a basis for further refinement of personal technology acceptance model. For practitioners, understanding the key constructs is crucial to design, refine, and implement mobile payment services, applications, and products that achieve high consumer acceptance, value, and high rates of positive recommendations in social networks.

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The Impact of Consumers’ Attitude Towards Mobile Payment Feasibility

Journal of Computational and Theoretical Nanoscience ◽

10.1166/jctn.2020.8777 ◽

2020 ◽

Vol 17 (2) ◽

pp. 1127-1142

Author(s):

Nor Azah Abdul Aziz ◽

Lam Jia Wen ◽

Hartini Azman ◽

Atirah Sufian

Keyword(s):

Service Providers ◽

Ease Of Use ◽

Perceived Usefulness ◽

Mobile Payment ◽

Perceived Ease Of Use ◽

Mobile Payments ◽

Perceived Security ◽

Payment Services ◽

The Impact

This study discussed about the impact of consumers’ attitude towards mobile payment feasibility in Malaysia. The research focused on three research objectives which are; (1) to identify the consumers’ concerns that influencing the mobile payments feasibility in Malaysia, (2) to investigate the relationships between perceived security, payment culture, perceived usefulness and perceived ease of use, and (3) to identify the main consumers’ concern that influencing the mobile payment feasibility in Malaysia. In this research, the researcher carried out a survey among the young public to access the performance of mobile payment services available in Malaysia. Besides, the direct opinion from the consumers is able to enhance the insight of the service providers. In conclusion, mobile payment feasibility is important to realise Bank Negara Malaysia (BNM) strategy which is Malaysia becomes a cashless society by 2050.

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The Factors that Determine Interest to Use of Mobile Payment: Study on the Students of Garut University, Indonesia

The Asian Journal of Technology Management (AJTM) ◽

10.12695/ajtm.2020.13.3.6 ◽

2020 ◽

Vol 13 (3) ◽

pp. 257-265

Author(s):

Abdullah Ramdhani ◽

◽

Dini Turipanam Alamanda ◽

Muhammad Husna Harisana ◽

Gugun Geusan Akbar ◽

...

Keyword(s):

Rural Areas ◽

Sampling Method ◽

Ease Of Use ◽

Perceived Usefulness ◽

Mobile Payment ◽

Perceived Ease Of Use ◽

Mobile Payments ◽

Essential Insight ◽

Positive Effect ◽

Insight Into

Abstract. Mobile payment is generally a payment tool in the form of software available in smartphones to make it easier for its users to make transactions anytime and anywhere his research aims to give empirical evidence of the influence of perceived ease of use, perceived usefulness, trust, and security on the interest in the use of mobile payment in Garut University students. We collect questionnaires from 100 students that are selected using the proportionate sampling method. The data is then analyzed using multiple linear regression. The analysis’ results show that both perceived of benefit and security variables partially has a positive effect while the perceived ease of use and trust has an insignificant effect on the interest in using mobile payments. This study provides an essential insight into how academic users in rural areas in Indonesia adopt electronic payment technologies. Keywords: Perceived ease of use, Perceived of usefulness, Trust, Security, Interests.

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Evaluation of Online Video Usage and Learning Satisfaction: An Extension of the Technology Acceptance Model

The International Review of Research in Open and Distributed Learning ◽

10.19173/irrodl.v19i1.2886 ◽

2018 ◽

Vol 19 (1) ◽

Cited By ~ 22

Author(s):

Judit T Nagy

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Ease Of Use ◽

Perceived Usefulness ◽

Learning Performance ◽

Research Model ◽

Perceived Ease Of Use ◽

The Core ◽

Learning Satisfaction ◽

Acceptance Model

The aim of the study was to examine the determining factors of students' video usage and their learning satisfaction relating to the supplementary application of educational videos, accessible in a Moodle environment in a Business Mathematics Course. The research model is based on the extension of Technology Acceptance Model (TAM), in which the core TAM constructs – perceived usefulness, perceived ease of use, attitude – and internet self-efficacy were included as the explanatory factors of video usage. As regards the determinants of learning satisfaction, beside the core TAM constructs, the role of learning performance, learner-learner interaction, and learner-teacher interaction was examined. Data were collected from 89 students using a questionnaire, on which the partial least-squares structural equation modelling approach was used to evaluate the research model. The results confirmed that perceived usefulness, attitude, and internet self-efficacy had a direct effect on the video usage. Learning satisfaction was directly influenced by learner-learner interaction, perceived ease of use, and learning performance. Furthermore, the results indicated that video usage had a significant effect both on learning performance and on learning satisfaction. The findings show that the extended TAM model can be applied for predicting the university students' video technology usage and their learning satisfaction regarding the usage.

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Will proximity mobile payments substitute traditional payments? Examining factors influencing customers' switching intention during the COVID-19 pandemic

International Journal of Bank Marketing ◽

10.1108/ijbm-06-2021-0284 ◽

2022 ◽

Vol ahead-of-print (ahead-of-print) ◽

Author(s):

Hong-Lei Mu ◽

Young-Chan Lee

Keyword(s):

Structural Equation ◽

Study Data ◽

Ease Of Use ◽

Perceived Usefulness ◽

Equation Modeling ◽

Mobile Payment ◽

Perceived Ease Of Use ◽

Content Type ◽

Mobile Payments ◽

The Relationship

PurposeThe objective of this study is twofold: first, to investigate the determinants of customers' switching intention from traditional payments to proximity mobile payments (PMPs) during the COVID-19 pandemic for specific insight on how these factors shape customers' switching intentions; second, this study discusses the relationship between traditional payments and PMP services.Design/methodology/approachThe study data were collected from individual customers who used both traditional payments and PMP in a physical store during the COVID-19 pandemic. Structural equation modeling (SEM) was applied to analyze the validity of the variables and the causal relationships among variables based on 305 valid data.FindingsThe results show that the factor of traditional payments, that is, dissatisfaction positively and significantly influenced customers' switching intention. Factors of PMP, namely perceived usefulness (PUF) and perceived ease of use (EOU), positively and significantly impacted switching intention. In addition, the relationship between traditional payments and PMP, that is, low perceived substitutability was found to negatively influence switching intention, PUF and EOU.Research limitations/implicationsFirst, the study targets are customers with experience in using PMP after the COVID-19 pandemic. It is suggested to compare customers who had experience using PMP before and after the COVID-19 pandemic. Second, although cash and bank cards belong to the category of traditional payments, they have different degrees of contact when transactions occur. The contact rate of bank cards is lower than that of cash. This study did not differentiate between cash and bank cards, which is the main limitation.Originality/valueFirst, this study provides a reference to examine mobile payment usage from the perspective of both incumbent and alternative services conjointly under emergency situations, especially during the COVID-19 pandemic. Second, the application of migration theory to the context of mobile payment extends existing research on mobile payment. Third, this study is among the first to investigate the relationship between traditional payments and PMP.

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Factors affecting usage of mobile payments by youth in Kazakhstan

Innovative Marketing ◽

10.21511/im.17(4).2021.09 ◽

2021 ◽

Vol 17 (4) ◽

pp. 103-110

Author(s):

Liza Rybina

Keyword(s):

Online Survey ◽

Technological Development ◽

Ease Of Use ◽

Perceived Usefulness ◽

Mobile Payment ◽

Modern World ◽

Perceived Ease Of Use ◽

Business Economics ◽

Mobile Payments ◽

Payment Services

Mobile payments are developing at a rapid pace in the modern world, affecting most areas of business, economics, and consumer life. Mobile payment services in Kazakhstan have emerged recently driven mostly by young and tech-savvy consumers. The current study applies the modified Technology Adoption Model to investigate the factors that influence the usage of mobile payments by young consumers in Kazakhstan. The data were collected from 351 respondents through an online survey using a structured questionnaire. The results of the multiple regression analysis revealed that perceived usefulness, perceived ease of use, transaction security, and trust are important determinants of mobile payment usage intention. These findings call for improvements in the technological development of mobile payment services to deliver usefulness, ease of use, and security, as well as marketing communications to build trust. On the other hand, no support was found for the effects of usage cost and availability of alternatives on behavioral intention to use mobile payments in Kazakhstan.

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Integrated Mobile Payment Technology for High Speed Financial Literacy in Cooperatives

SHS Web of Conferences ◽

10.1051/shsconf/20208601036 ◽

2020 ◽

Vol 86 ◽

pp. 01036

Author(s):

Bambang Agus Pramuka ◽

Poppy Dian Indira Kusuma ◽

Sugiarto ◽

Wiwiek Rabiatul Adawiyah

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Financial Literacy ◽

Subjective Norms ◽

Ease Of Use ◽

Perceived Usefulness ◽

Mobile Payment ◽

Research Model ◽

Perceived Ease Of Use ◽

Acceptance Model

Digital money receives tremendous attention globally, from buyers to sellers, as an alternative form of payment. The passions on this technology enormous and infectious, therefore attracting more followers from large merchant to smaller one including the cooperative. School cooperative serves as a center of economic with a wide range of activities, such as mini market, canteen, to serve the needs of students, teachers, and people in the surrounding area. One of the programs launched by the Central Bank of Indonesia is a financial inclusion to increase the financial literacy of people living in the remote area. In this case, Islamic conventional boarding school cooperative can become influencers in most of the surrounding community to attract people’s interest to adopt the technology. The purpose of this inquiry is to find out factors influencing the adoption of mobile payment and user’s intention and decision to adopt m-payment. Authors proposed an innovative research model based on the theory of technology acceptance model with the innovation characteristics of the diffusion of innovations, perceived security and intention to recommend the technology. The research model has empirically tested at 205 employees Islamic boarding schools across four regions. The independent variables under study include perceived ease of use, perceived usefulness, perceived credibility, subjective norms, and trust while the dependent variables are mobile payment adoption and intention to recommend the technology. The study uses structural equation modeling as a tool for analysis. The result indicated that perceived ease of use, perceived usefulness, and subjective norms have a significant influence on the adoption of mobile payment. The study also confirmed the relevance of users’ intention to recommend mobile payment technology. Thus, future research needs to include social media campaigns and technology adoption studies. For researchers, the result of this study act as a basis for further refinement of personal technology acceptance model. For practitioners, understanding the key constructs is crucial to design, refine, and implement mobile payment services, applications, and products that achieve high consumer acceptance, value, and high rates of positive recommendations in social networks.

Download Full-text

Playing Safe in Online Games: Determinants of Player Acceptance of Account Security Technology

10.26686/wgtn.17003800 ◽

2021 ◽

Author(s):

◽

Xiaomei Yang

Keyword(s):

Technology Acceptance ◽

Ease Of Use ◽

Perceived Usefulness ◽

Research Model ◽

Perceived Ease Of Use ◽

Security Issue ◽

Security Technology ◽

Perceived Security ◽

Protection Technology ◽

Perceived Enjoyment

Online security is a major problem for networked games worldwide. Specifically, account hijacking is on the rise. To fight against the security issue, game vendors are offering specific security services, such as account protection technology. The purpose of this paper is to validate an augmented Technology Acceptance Model (TAM) for the online gaming context. This research aims to investigate how players are influenced by perceived enjoyment and perceived security jointly with the traditional TAM instrument. It is hoped to explain online gamers’ behaviour toward newly emerging account security technology. The paper proposes a research model that describes the causal relationships between perceive usefulness, perceived enjoyment, perceived ease of use, perceived security, and the usage intentions for account protection technology in the most popular online game World of Warcraft. After the measurement assessment, the hypothesised model is statistically tested. The findings suggest that perceived enjoyment and perceived security jointly with two traditional TAM constructs have a positive influence on intention to use. While perceived ease of use positively affects perceived usefulness and perceived enjoyment, perceived security does not seem to affect both of them. This study contributes to the ongoing literature by formulating and validating a proposed research model to explore determinants of player adoption of security technology in the virtual gaming environment. It also provides useful information for both academia and industry.

Download Full-text