scholarly journals Digital Financial Inclusion Sustainability in Jordanian Context

2021 ◽  
Vol 13 (11) ◽  
pp. 6312
Author(s):  
Abdalwali Lutfi ◽  
Manaf Al-Okaily ◽  
Malek Hamed Alshirah ◽  
Ahmad Farhan Alshira’h ◽  
Thaer Ahmad Abutaber ◽  
...  
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Payment System ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Financial Inclusion ◽  
Behavioural Intention ◽  
Intention To Use ◽  
Research Model ◽  
Financial Cost

Digital Financial Inclusion (DFI) refers to efforts to make digital financial services available and affordable to all individuals and institutions, regardless of their net expense or institution size and demographic location. Despite the immense benefits of DFI and DFI-based products and services such as mobile money and payment systems, users’ acceptance is thin, limited, and disappointing in some developing countries as Jordan. Consequently, this study has investigated the factors influencing the acceptance of the mobile payment system in the Jordanian context. This study’s research model synthesizes the Technology Acceptance Model (TAM) variables and extended the model with perceived financial cost as an independent variable. The research model has been empirically confirmed by fitting the model to data collected from 304 Jordanian citizens using a survey instrument. The data were analysed using Partial Least Squares-Structural Equation Modelling (PLS-SEM). The result has confirmed that behavioural intention to use the m-payment system is significantly and positively influenced by perceived usefulness and perceived financial cost; behavioural intention to use m-payment system was not found to be significantly and positively influenced by perceived ease of use and hence the related hypothesis was not supported. Finally, conclusions and recommendations are further discussed in the last section of this paper.

scholarly journals An empirical study on the adoption of blockchain-based games from users’ perspectives

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Shang Gao ◽  
Ying Li
Keyword(s):  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Behavioural Intention ◽  
Equation Modeling ◽  
Intention To Use ◽  
Research Model ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Blockchain Technology

Purpose The purpose of the research is to investigate users’ adoption of blockchain-based games in China. Design/methodology/approach This research applied existing technology diffusion theories to develop a research model to examine users’ adoption of blockchain-based games. As a result, a research model with nine research hypotheses was developed. The developed research model was empirically tested using data collected from a survey of 210 blockchain-based games users. Structural equation modeling was applied to analyse the collected data. Findings The results indicated that seven of nine research hypotheses were supported. It was found that trust, perceived usefulness, perceived enjoyment and perceived ease of use were key determinants for users’ behavioural intention to use blockchain-based games. The most influential relationship in the research model appeared to be the effect of perceived usefulness on users’ behavioural intention to use blockchain-based games. However, subjective norms did not have significant positive impacts on users’ behavioural intention to use blockchain-based games. Practical implications The regulatory support from governmental authorities is essential to provide additional legal certainty to build users’ trust in playing blockchain-based games. Blockchain-based games providers should arrange the training program targeted to the general users to enhance their understanding of the key features associated with blockchain-based games. Blockchain-based games developers should come up with good design solutions to maximize user enjoyment with blockchain-based games by considering additional entertainment elements. Originality/value To the best of the authors’ knowledge, this study is first of its kind in investigating the adoption of blockchain-based games from users’ perspectives. This study contributes to the existing literature on the adoption of blockchain technology.

scholarly journals AutoCAD: examination of factors influencing user adoption

2020 ◽  
Vol 12 (1) ◽  
pp. 45-56
Author(s):  
Anna Baj-Rogowska
Keyword(s):  
Technology Acceptance ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Behavioural Intention ◽  
Intention To Use ◽  
Research Model ◽  
Measurement Scales ◽  
Study Results ◽  
The Impact ◽  
Physical Accessibility

AbstractThe primary purpose of the research is to examine and validate determinants of user intention to use AutoCAD software, utilising the constructs from prior studies in a more integrated model. The paper proposes a revised Technology Acceptance Model (TAM) for measuring the adoption of AutoCAD. In the study, a latent construct PPA (perceived physical accessibility) was added to the proposed research model as a new determinant of AutoCAD adoption. An online survey of AutoCAD users was conducted to collect data. This data was empirically used to test the proposed research model. The Structural Equation Modelling (SEM) technique was used to evaluate the causal model, and the confirmatory factor analysis was performed to examine the reliability and validity of the measurement model. The study results show that user behavioural intention to use AutoCAD is significantly affected by three determinants: perceived usefulness, perceived ease of use and perceived physical accessibility of the software. This finding contributes to an expanded understanding of the factors that promote acceptance of AutoCAD software. Moreover, the main contribution of this study is to verify the impact of the added PPA variable on the behavioural intention to use and the actual use of AutoCAD, and also to create measurement scales for this new latent variable in TAM.

scholarly journals Perceived value of social networking sites (SNS) in students' expressive participation in social movements

2014 ◽  
Vol 8 (1) ◽  
pp. 56-78 ◽  
Author(s):  
Juan D. Borrero ◽  
Shumaila Y. Yousafzai ◽  
Uzma Javed ◽  
Kelly L. Page
Keyword(s):  
Social Movements ◽  
University Students ◽  
Social Networking ◽  
Technology Acceptance ◽  
Social Networking Sites ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Content Type

Purpose – The purpose of this study is to determine the beliefs that influence university students to use social networking sites (SNS) for expressive participation in social movements. Design/methodology/approach – The original technology acceptance model (TAM), a quantitative methodological approach, and a survey were used to collect responses from 214 university students in Spain. Structural equation modelling was used to test the proposed relationships. Findings – Results confirm that the perceived ease of use (PEU) and perceived usefulness (PU) of SNS significantly affect a student's intention to use SNS for expressive social participation in social movements, with use intention significantly affecting actual participation. There was no significant moderating effect of students' gender on these relationships. Originality/value – Although there is much discussion in the popular press about how people use SNS, there is no published empirical research on the determinants that contribute to a person's intention to use and actual use of SNS in the context of social movements. This paper is one of the first studies to investigate young people's perception of the SNS usefulness and ease of the use for participation in social movements.

A comprehensive acceptance model for smart home services

2022 ◽  
Vol 6 (1) ◽  
pp. 45-58 ◽  
Author(s):  
Amer Al-Husamiyah ◽  
Mahmood Al-Bashayreh
Keyword(s):  
Technology Acceptance ◽  
Smart Home ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Smart Devices ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Acceptance Model

Smart home services (SHSs) afford users an effective lifestyle management system, which provides human-oriented networking of smart devices and applications that enable users to control their homes from anywhere at any time. Despite the benefits of SHSs, however, their acceptance is very low. There remains a gap in the literature in terms of a comprehensive model that addresses users’ intention to use SHSs. To address this gap, the present study explored the factors that influence SHS acceptance among users based on well-established theoretical frameworks, such as the technology acceptance model, innovation diffusion theory, and the theory of planned behavior. To this end, the study integrated four additional factors, namely, perceived convenience, perceived connectedness, perceived cost, and perceived privacy risk, into the exploration and carried out structural equation modeling to quantitatively determine the effects of these factors. Questionnaires were administered to 750 users. The findings indicated that perceived compatibility, perceived convenience, perceived connectedness, perceived cost, perceived behavioral control with perceived usefulness, and perceived ease of use directly and indirectly exerted a significant influence on users’ intention to use SHSs.

scholarly journals Behavioural Intention Factors Influencing Sharing Economy Innovations: An Exploratory Research of Uber in South Africa

Metamorphosis ◽  
2020 ◽  
Vol 19 (1) ◽  
pp. 42-58
Author(s):  
Lemohang Molobi ◽  
Sajal Kabiraj ◽  
Md. Nur Alam Siddik
Keyword(s):  
South Africa ◽  
Technology Acceptance ◽  
Perceived Risk ◽  
Negative Impact ◽  
Sharing Economy ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Behavioural Intention ◽  
Intention To Use ◽  
Exploratory Research

This research explores factors associated with the use of the Uber application, a successful sharing economy innovation, in South Africa. The exploratory research adapted a technology acceptance model with two other factors, perceived risks and company characteristics on behavioural intention to utilize Uber. Using a survey data of 396 respondents, this research empirically finds that ease of use, company characteristics, attitude, perceived usefulness, and level of education have significant positive impacts on behavioural intention to use Uber applications. Meanwhile, gender and age groups have negative impacts on behavioural intention. Furthermore, the study found that perceived risk has a negative impact on behavioural intention to use Uber. The research findings are of significance for management on how user insights can be applied to take advantage of new prospects to innovate and to expand their businesses and for policymakers on how to seize the opportunities presented by such innovation and develop appropriate policy frameworks.

Consumer acceptance of smart speakers: a mixed methods approach

2018 ◽  
Vol 12 (4) ◽  
pp. 418-431 ◽  
Author(s):  
Pascal Kowalczuk
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Online Survey ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Smart Devices ◽  
Intention To Use ◽  
Content Type ◽  
Acceptance Model

PurposeVoice-activated smart speakers such as Amazon Echo and Google Home were recently developed and are gaining popularity. Understanding and theorizing the underlying mechanisms that encourage or impede consumers to use smart speakers is fundamental for enhancing acceptance and future development of these new devices. Therefore, building on technology acceptance research, this study aims to develop and test an acceptance model for investigating consumers’ intention to use smart speakers.Design/methodology/approachFirst, antecedents that may significantly affect the usage intention of smart speakers were identified through an explorative approach by a netnographic analysis of customer reviews (N= 2,186) and Twitter data (N= 899). Afterward, these results and contemporary literature were used to develop and validate an acceptance model for smart speakers. Structural equation modeling (SEM) was used to test the proposed hypotheses on data collected from 293 participants of an online survey.FindingsBesides perceived ease of use and perceived usefulness, the quality and diversity of a system, its enjoyment, consumer’s technology optimism and risk (surveillance anxiety and security/privacy risk) strongly affect the acceptance of smart speakers. Among these variables, enjoyment had the strongest effect on behavioral intention to use smart speakers.Originality/valueThis is the first study that incorporates netnography and SEM for investigating technology acceptance and applies it to the field of interactive smart devices.

scholarly journals Analysis of the technology acceptance model in examining students' behavioural intention to use an e-portfolio system

2011 ◽  
Vol 27 (4) ◽  
Author(s):  
Ronnie H. Shroff ◽  
Christopher C. Deneen ◽  
Eugenia M. W. Ng
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Significant Influence ◽  
Individual Characteristics ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Behavioural Intention ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Acceptance Model

<span>In recent years, instructors have had an increasing interest in integrating Internet based technologies into their classroom as part of the learning environment. Compared to studies on other information systems, student users' behaviour towards e-portfolios have not been assessed and thoroughly understood. This paper analyses the Technology Acceptance Model (TAM) in order to examine students' behavioural intention to use an electronic portfolio system, meaning how students use and appropriate it within the specific framework of a course. An E-Portfolio Usage Questionnaire was developed using existing scales from prior TAM instruments and modified where appropriate. Seventy-two participants completed the survey questionnaire measuring their responses to perceived usefulness (PU), perceived ease of use (PEOU), attitudes towards usage (ATU) and behavioural intention to use (BIU) the e-portfolio system. The results of the study indicated that students' perceived ease of use (PEOU) had a significant influence on attitude towards usage (ATU). Subsequently, perceived ease of use (PEOU) had the strongest significant influence on perceived usefulness (PU). The research further demonstrated that individual characteristics and technological factors may have a significant influence on instructors to adopt e-portfolio into their courses. Results suggest that TAM is a solid theoretical model where its validity can extend to an e-portfolio context.</span>

scholarly journals Factors influencing behavioural intention to use mobile banking among retail banking clients

2019 ◽  
Vol 3 (2) ◽  
pp. 118
Author(s):  
Myra V De Leon
Keyword(s):  
Technology Acceptance ◽  
Behavioral Intention ◽  
Structural Equation ◽  
Retail Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
The World

Mobile banking enables clients to bank virtually without restrictions to time and place. Despite wide adoption of mobile banking around the world, use of mobile banking is still considered low. Philippines has the lowest digital banking penetration across Asian countries although the country known for the title of “SMS-intensive country in the world”. Factor analysis, partial least squares structural equation modelling (PLS-SEM) and ANOVA with bootstrapping were used to test research hypotheses. Findings from 212 Universal bank retail branch clients show that perceived ease of use, perceived usefulness, social influence and trust propensity have significant positive influence on behavioral intention to use mobile banking. Results also show that respondents with matured age (22 years and above), male, at least Bachelor Degree graduate and receiving a monthly income higher than Php 10,001 has higher behavioral intention. This study is relevant for proposing marketing strategies to increase adoption of mobile banking and contribute for further advancement on technology acceptance literature.

scholarly journals HOW THE COVID-19 CRISIS IS AFFECTING CUSTOMERS’ INTENTION TO USE ISLAMIC FINTECH SERVICES: EVIDENCE FROM INDONESIA

2021 ◽  
Vol 7 ◽  
Author(s):  
Dety Nurfadilah ◽  
Sudarmawan Samidi
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Online Survey ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Government Support ◽  
Consumer Attitude ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
The Impact

The objective of this study is to investigate the factors that are affecting customers’ intention to use Islamic FinTech services during the Covid-19 crisis. It expands the technology acceptance model (TAM) by adding government support as a new variable for the context of Islamic FinTech services during the pandemic. Using TAM as a framework, we propose a model outlining the impact of government regulation, perceived usefulness, perceived ease of use, perceived trust, and user innovativeness on consumer attitude behaviour and the intention to use Islamic FinTech services, such as payment and peer-to-peer lending. 220 sets of data were collected from an online survey and analysed using partial least squares-structural equation modelling (PLS-SEM). The results show that government support for Islamic FinTech during the Covid-19 pandemic has had an indirect impact on attitude behaviour in using Islamic services through perceived ease of use and perceived usefulness. Attitude behaviour was found to have an impact on intention.

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

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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