scholarly journals Antecedents and Consequences of Trust and Loyalty in Physical Banks Affecting Mobile Payments

2021 ◽  
Vol 13 (22) ◽  
pp. 12368
Author(s):  
Bo-Chiuan Su ◽  
Li-Wei Wu ◽  
Ying-Chi Yen
Keyword(s):  
Structural Equation ◽  
New Technologies ◽  
Personal Information ◽  
Mobile Payment ◽  
Mobile Environment ◽  
Mobile Payments ◽  
Payment Methods ◽  
Antecedents And Consequences ◽  
Self Service ◽  
Self Service Technology

The way of payment has changed in recent years: people have turned away from physical payment methods to virtual payment methods. The traditional banking industry is facing challenges brought by new technologies. The main purpose of this study is to investigate customer trust and loyalty transferring from physical banks to mobile payments because mobile payment platforms are a self-service technology. The goal is to create an eco-platform to facilitate transition from a cash-based economy to a cashless economy. This study is the first attempt to integrate platform management, electronic marketing (online trust and online loyalty), and relationship marketing (offline trust and offline loyalty) into one model. We theoretically and empirically take certain factors into consideration to further explore the transfer impact of physical to mobile payments, which is not discussed in literature. The SEM (structural equation modelling) analysis from the 353 respondents in this study found that trust from both the physical and mobile contexts has positively influenced loyalty. Additionally, customers’ trust and loyalty transfer from the physical to the mobile environment has had a significantly positive effect between the physical and mobile environment. Corporate reputation and structure assurance have also significantly positively affected physical trust and mobile trust, respectively. The findings also reveal that the structure assurance plays an essential role in mobile payment. Users may have certain concerns about the procedure of transactions and their personal information. Theoretical and practical implications are provided.

Managing self-service technology service quality to enhance e-satisfaction

2015 ◽  
Vol 7 (4) ◽  
pp. 373-391 ◽  
Author(s):  
Sakun Boon-itt
Keyword(s):  
Service Quality ◽  
Technology Acceptance ◽  
Structural Equation ◽  
Perceived Value ◽  
Situational Factors ◽  
Content Type ◽  
Technology Service ◽  
Antecedents And Consequences ◽  
Self Service ◽  
Self Service Technology

Purpose – The purpose of this paper is to address, by integrating the self-service technology (SST) adoption and technology acceptance models, the service quality of self-service technologies (SQ-SSTs) by empirically testing a comprehensive model that capture the antecedents and consequences of SQ-SSTs to predict e-satisfaction in the context of digital banking in Thailand. Design/methodology/approach – A questionnaire was constructed and responses were obtained from 222 respondents who have a complete digital banking experience (both online and mobile banking). Hypotheses were tested using structural equation modelling, following a mediating analysis process. Findings – Results show that technology readiness (TR) as the antecedent has an influence on SQ-SSTs, which in turn improve e-satisfaction. The paper also found that even though SQ-SSTs can positively influence e-satisfaction, perceived value partial mediates the link between SQ-SSTs and e-satisfaction. Research limitations/implications – Further research should investigate the possible influence that some situational factors may have on the model. Factors, such as waiting time and the presence of other customers, should be taken into consideration in future studies. Practical implications – Managers may, therefore, particularly wish to consider TR and customers’ perceived value when trying to offer SSTs to the customer. Originality/value – The results contribute to the literature in information systems and service marketing by highlighting a key mechanism through which firms can enhance SQ-SSTs and e-satisfaction.

Understanding the differences of public and private self-service technology

2014 ◽  
Vol 28 (1) ◽  
pp. 60-70 ◽  
Author(s):  
Joel E. Collier ◽  
Daniel L. Sherrell ◽  
Emin Babakus ◽  
Alisha Blakeney Horky
Keyword(s):  
Structural Equation ◽  
Design Methodology ◽  
Equation Modeling ◽  
Public And Private ◽  
Content Type ◽  
Private And Public ◽  
Self Service ◽  
Self Service Technology ◽  
Individual Self ◽  
Practical Implications

Purpose – The purpose of this paper is to explore the potential differences between types of self-service technology. Specifically, the paper explores how the dynamics of public and private self-service technology influence customers' decision to use the technology. Design/methodology/approach – Existing customers of private and public self-service technology were surveyed from the same industry. Using structural equation modeling, the authors examine how relevant self-service constructs influence evaluations and attitudes of customers across both settings. Findings – The analysis reveals that customers' control and convenience perceptions differ across public and private self-service technology. Additionally, customers placed a heavier emphasis on the hedonic or utilitarian evaluation of a service experience based on the type of self-service technology. Practical implications – For managers of self-service applications, understanding the unique differences of public and private self-service technology can aid in the implementation and adoption of the technology. By properly understanding the differences of the self-service types, managers can provide a beneficial experience to the customer. Originality/value – By identifying and describing two distinct categories of SSTs, this study allows managers and researchers to better understand how and why individuals choose to utilize individual self-service technologies. Through understanding the unique dynamics of a public and a private SST experience, retailers can determine the appropriate strategy for customer adoption based on the utilitarian or hedonic functions of the technology.

ANALISIS BIBLIOMETRIK PERKEMBANGAN PENELITIAN PENGGUNAAN PEMBAYARAN SELULER DENGAN VOSVIEWER

2021 ◽  
Vol 16 (1) ◽  
pp. 10-17
Author(s):  
Femmy Effendy ◽  
Vanessa Gaffar ◽  
Ratih Hurriyati ◽  
Heny Hendrayati
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Survey Methods ◽  
Equation Model ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Mobile Payment ◽  
Mobile Payments ◽  
Acceptance Model

This study examines trends in research developments with the topic of the use of mobile payments, e-wallets. The study aims to determine: (1) the development of the number of international publications on the use of mobile payments, w-wallets on the Scopus database from 2016-2020; (2) core journals in international publications on the use of mobile payment mobile payments, e-wallets (3) maps of development of international research publications in the field of use of mobile payment mobile payments, e-wallets based on keywords (co-word). The data was collected by searching through Scopus with the keywords mobile payment, mobile, payment, e-wallet, electronic swallow, with the categories article title, abstract, keywords in the period 2016-2020. Data in the form of number of publications per year, journals containing articles on mobile payment, mobile, payment, e-wallet, electronic swallow, and subjects were analyzed using Microsoft Excel. Meanwhile, the topic mapping trend was analyzed using the VosViewer software. The results showed that the highest growth in 2016-2020 indexed in Scopus occurred in 2020 which reached 82 publications (30.5%). Most international publications are published in IEE journals with 12 articles. The results show that the research topic of mobile payments or e-wallets is still dominated by the use of the Technology Acceptance Model (TAM) theory, Trust and perceived usefulness are still the most research variables, the choice of using survey methods, with Structural Equation Model analysis tools. (SEM) especially PLS (partial least square), is dominated geographically in research in developing countries. For further research, the authors suggest the need for additional keywords so that more research results are more accurate and comprehensive.

scholarly journals Mobile Payment Adoption in the Age of Digital Transformation: The Case of Apple Pay

2020 ◽  
Vol 12 (13) ◽  
pp. 5443 ◽  
Author(s):  
Francisco Liébana-Cabanillas ◽  
Inmaculada García-Maroto ◽  
Francisco Muñoz-Leiva ◽  
Iviane Ramos-de-Luna
Keyword(s):  
Structural Equation ◽  
Payment System ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Intention To Use ◽  
Online Questionnaire ◽  
Business World ◽  
Mobile Payments ◽  
Widespread Acceptance ◽  
Apple Pay

Current developments in information technology and communications, as well as the significant transformations the business world is being forced to make, are generating an opportunity for widespread acceptance of mobile payments. The present research analyzes the intention to use the Apple Pay mobile payment system, as well as contextualizing and evaluating the different antecedents of its use. To carry out the research, 539 users were invited to respond to an online questionnaire, and an analysis of structural equation modeling was used. The results indicate that perceived value is the variable that most influences the intention to use the proposed payment system, followed by perception of utility and risk. This work has important implications for companies in the sector.

Modeling the contingent role of technological optimism on customer satisfaction with self-service technologies

2020 ◽  
Vol 33 (3) ◽  
pp. 559-578
Author(s):  
Abdul Kadir Othman ◽  
Muhammad Iskandar Hamzah ◽  
Lailatul Faizah Abu Hassan
Keyword(s):  
Customer Satisfaction ◽  
User Satisfaction ◽  
Structural Equation ◽  
Theoretical Development ◽  
Equation Modeling ◽  
Content Type ◽  
Five Dimensions ◽  
Customer Group ◽  
Self Service ◽  
Self Service Technology

PurposeBased on the E-Service Quality (E-SQ) model, this study investigates the effects of self-service technology (SST) quality attributes, specifically automated teller machines (ATMs), on customer satisfaction. The interaction effects of technological optimism on the abovementioned link are also examined. SST usage is conceptualized as a multidimensional construct that consists of five dimensions (reliability, security, convenience, functionality and responsiveness).Design/methodology/approachThe data were collected through a survey of a sample of Malaysian participants who used cash-recycling ATMs. The proposed theoretical model was tested using partial least squares (PLS) structural equation modeling (SEM).FindingsThe results suggest that reliability, convenience, and functionality are critical factors that affect customer satisfaction in using ATMs. Technological optimism was found to weaken the relationship between reliability and customer satisfaction.Practical implicationsConsidering the relative novelty of cash-recycling ATMs in the market, banks should ensure a smooth, error-free and accessible functioning of the system. Special attention has to be given to tech-savvy consumers whose higher level of optimism, with an increase of perceptions of reliability, may suppress their heighten sense of fulfillment. This customer group could be offered interactive digital engagement through mobile applications and social networking channels.Originality/valueThe E-SQ model is a helpful tool to understand the reasons underlying user satisfaction with cash-recycling ATMs. The results also contribute to the theoretical development of the E-SQ model through the integration of technological optimism as a contingent factor.

scholarly journals Understanding the Attitudes and Purpose for the Usage of Self-service Technologies (SSTs) at the Airports

2019 ◽  
Vol 8 (3) ◽  
pp. 7034-7039
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Web Based ◽  
Endogenous Variables ◽  
Managerial Implications ◽  
Self Service ◽  
Self Service Technology

This study tried to understand the intention of technology adoption for web-based self-service technology (SST) pertaining to the airline sector in India. A survey-based approach was employed to acquire 458 responses. These responses were obtained from passengers who were using the airline’s service. The passengers were from three international airports that are located in Chennai, Hyderabad, and Bangalore. The partial least square structural equation modeling technique was employed to investigate the hypothesis. To recognize the influences on web-based SST(endogenous variables), along with the concept of adoption purpose as per the air passengers’ perceptions, the initial qualitative study joined the resultant literature examination in correspondence with the interview with focus groups. The following are the exogenous factors applied in the study; apparent usefulness: apparent ease of usage, trustworthiness, perceived risk, supposed behavioral regulator, subjective standard, word-of-mouth reports, apparent playfulness, and approach and adaptation purpose. Results specify factors that suggestively affect the intention to employ SSTs. Theoretical as well as managerial implications are deliberated on.

scholarly journals Why have consumers opposed, postponed, and rejected Innovations during a pandemic? A Study of mobile payment Innovations

2021 ◽  
Vol 25 ◽  
Author(s):  
Shalini Talwar ◽  
Manish Talwar ◽  
Puneet Kaur ◽  
Gurmeet Singh ◽  
Amandeep Dhir
Keyword(s):  
Neural Network ◽  
Artificial Neural Network ◽  
Theory And Practice ◽  
Mobile Payment ◽  
Aggregate Level ◽  
Neural Network Analysis ◽  
Consumer Resistance ◽  
Mobile Payments ◽  
Payment Methods ◽  
Artificial Neural Network Analysis

The highly infectious nature of the COVID-19 virus has made the use of contactless payment methods a health exigency. Yet, consumers are resisting using mobile payments (m-payments) during the pandemic, a confounding behavior that needs to be better understood. The present study explicates this behavior by examining consumer resistance to m-payments during the COVID-19 pandemic. In addition, it provides more granular findings by measuring three levels of resistance/non-adoption, namely, postponement, opposition, and rejection. In this way, the study adds depth to the literature, which has largely examined resistance at an aggregate level to yield generic findings. Toward this end, the study draws upon the Innovation Resistance Theory (IRT) to propose that usage, value, risk, tradition, and image barriers influence the three levels of resistance/non-adoption differently. An artificial neural network analysis (ANN) of the data collected from 406 non-users of m-payments confirmed that the influence of the five barriers varies for the three levels of resistance/non-adoption. The results further suggest that the usage barrier is the most significant contributor to opposition and rejection intentions toward m-payments, whereas the image barrier is the most influential for postponement intentions. This study thus makes a useful contribution to theory and practice.

Understanding Chinese Millennials' Adoption Intention Towards Third-Party Mobile Payment

2020 ◽  
Vol 33 (2) ◽  
pp. 40-63
Author(s):  
Xuechun Lu ◽  
Hui Lu
Keyword(s):  
Social Influence ◽  
Technology Acceptance ◽  
New Technologies ◽  
Perceived Usefulness ◽  
Third Party ◽  
Mobile Payment ◽  
Personal Innovativeness ◽  
Mobile Payments ◽  
Advantages And Disadvantages ◽  
Adoption Intention

Different user groups will tend to value different third-party mobile payment offerings differently, and so make different adoption decisions. Millennials are regarded as creative, socially conscious and more willing to provide opinions on the advantages and disadvantages of new technologies. Therefore, it is important to investigate the key factors that affect Chinese Millennials' adoption behavior of third-party mobile payments as they grow in popularity in China. This study establishes a new conceptual model based on the Technology Acceptance Model incorporating additional variables such as perceived risk, personal innovativeness, compatibility, and social influence. This research collected quantitative data by questionnaire (N=380). The data was analyzed by SPSS. This study suggests that social influence and attitude directly affect adoption intention towards third-party mobile payments, whereas perceived usefulness, compatibility, perceived ease of use and personal innovativeness only indirectly affect adoption intention towards third-party mobile payments.

Investigating onsite restaurant interactive self-service technology (ORISST) use: customer expectations and intentions

2020 ◽  
Vol 32 (10) ◽  
pp. 3335-3360
Author(s):  
Yang Xu ◽  
EunHa Jeong ◽  
Ahmed E. Baiomy ◽  
Xiaolong Shao
Keyword(s):  
Structural Equation ◽  
Moderated Mediation ◽  
Likelihood Method ◽  
Equation Modeling ◽  
Intention To Use ◽  
Content Type ◽  
Proposed Model ◽  
Self Service ◽  
Self Service Technology ◽  
Quick Service

Purpose This study aims to investigate consumers’ intention to use onsite restaurant interactive self-service technology (ORISST) using a modified value attitude-behavior model. To extend the understanding of how consumers’ dining value focus could influence their intention to use ORISST, this study examines the conditional indirect effects of restaurant type (quick-service vs fine-dining) within the proposed model. Design/methodology/approach An online survey was developed and distributed to randomly selected respondents in the USA. A total of 588 (quick-service: 295; fine-dining: 293) responses were used for the data analysis. Structural equation modeling with a robust maximum likelihood method was used to examine the proposed model. To investigate the moderated effects of restaurant type, a latent moderated mediation model was used. Findings The results showed that consumers’ value perceptions toward technology use in restaurants influenced their intention to use ORISST via both hedonic and utilitarian expectations. Latent moderated mediation analyzes revealed that the mediation effect of hedonic expectation between perceived value and the intention was stronger in fine-dining than in quick-service restaurants. Originality/value This study extends the understanding of consumer intentions to use interactive self-service technology in restaurants by building on a model that is customer-oriented instead of tech-specific. Furthermore, the conditional effects of restaurant type are investigated using the latent moderated structural equation method. The findings of this study provide guidelines for managers of quick-service and fine-dining restaurants to better incorporate ORISST in their restaurants, to boost customer experiences and to increase operational efficiency.

scholarly journals Factors Affecting Sustainable Intention to Use Mobile Banking Services

SAGE Open ◽  
2021 ◽  
Vol 11 (3) ◽  
pp. 215824402110299
Author(s):  
Phaninee Naruetharadhol ◽  
Chavis Ketkaew ◽  
Niracha Hongkanchanapong ◽  
Piranat Thaniswannasri ◽  
Techin Uengkusolmongkol ◽  
...  
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Equation Modeling ◽  
Intention To Use ◽  
Mobile Banking ◽  
Banking Services ◽  
Factors Affecting ◽  
Self Service ◽  
Acceptance Model ◽  
Self Service Technology

This study aims to (a) identify perception factors that affect current mobile banking (M-banking) consumers’ continuous use of the technology, (b) explain the self-service technology (STT) dimensions that affect customers’ behavioral intention, and (c) be able to offer recommendations to the banking industry or other organizations related to M-banking in terms of developing M-banking services in the future. Analyzed data were collected from 688 existing Thai M-banking users through online questionnaires. This study used the SPSS and AMOS statistical programs to analyze the data by applying structural equation modeling based on SSTs’ service qualities and the technology acceptance model (TAM). From the results, this analysis shows positive and significant relationships among SSTs’ service qualities, perception, and sustainable intention to use M-banking services. This study provides vital knowledge related to essential characteristics of M-banking as an STT that could assist banking institutions and application providers in enhancing their M-banking products. Moreover, this study adds to the knowledge area of SSTs’ service qualities in financial mobile application dimensions.

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