Adoption Intention of Fintech Services for Bank Users: An Empirical Examination with an Extended Technology Acceptance Model

Along with the development of Fintech, many scholars have studied how information technology is applied to financial services with a focus on extended methods for application. Few scholars have studied the influence mechanism behind the adoption of Fintech services. This paper proposes an improved technology acceptance model (TAM) that incorporates user innovativeness, government support, brand image, and perceived risk as determinants of trust to investigate how users adopt Fintech services. We designed a questionnaire, sent it to active customers of the Hefei Science and Technology Rural Commercial Bank, and obtained 387 eligible responses. We analyzed the data with a structural equation model (SEM) to test the hypotheses, including the relationships of all latent variables. The results reveal that users’ trust in Fintech services has a very significant influence on users’ attitudes for adoption. In addition, perceived ease of use and perceived risk does not affect users’ attitudes toward the adoption regarding Fintech services. This study contributes to the literature of the adoption of Fintech services by providing a more comprehensive view of the determinants of users’ attitudes by combining trust of Fintech services with TAM.

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Understanding Vietnamese Consumer Intention to Use Online Retailer Websites

International Journal of E-Adoption ◽

10.4018/ijea.2020070101 ◽

2020 ◽

Vol 12 (2) ◽

pp. 1-15

Author(s):

A. F. M. Jalal Ahamed ◽

Yam Limbu ◽

Long Pham ◽

Ha Van Nguyen

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Perceived Risk ◽

Structural Equation ◽

Online Shopping ◽

Equation Model ◽

Ease Of Use ◽

Intention To Use ◽

Perceived Ease Of Use ◽

Acceptance Model

This study examines the applicability of an extended technology acceptance model (TAM) that incorporates trust, perceived risk, and self-enhancement as antecedents to the TAM constructs. Data collected from 299 Vietnamese online consumers, through a self-administered survey, were entered into a structural equation model using AMOS 23 to establish causality. The results partially confirm the applicability of TAM to the online shopping intentions of Vietnamese consumer, though contrary to expectations, perceived ease of use does not predict behavioral intentions. Trust and self-enchantment fit well with the TAM; the inclusion of perceived risk as an antecedent is questionable. The findings offer new opportunities for explaining TAM theory in light of Schwartz's value dimensions. This article thus concludes with a discussion of the research contributions and implications.

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ANALISIS TECHNOLOGY ACCEPTANCE MODEL APLIKASI LINKAJA

Jurnal Riset Ekonomi dan Bisnis ◽

10.26623/jreb.v13i3.2861 ◽

2020 ◽

Vol 13 (3) ◽

pp. 164

Author(s):

Anggit Esti Irawati ◽

Ehrmann Suhartono

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Perceived Risk ◽

Structural Equation ◽

Ease Of Use ◽

Perceived Usefulness ◽

Equation Modeling ◽

Perceived Ease Of Use ◽

Actual Use ◽

Acceptance Model

Potensi penggunaan e-money sangat besar dan menarik perhatian sebagai cara pembayaran alternatif di seluruh dunia. Pemerintah melalui Bank Indonesia menggerakkan masyarakat untuk melakukan Gerakan Nasional Non Tunai (GNNT). Namun, hanya lapisan masyarakat tertentu yang sudah terbiasa menggunakan transaksi dengan e-money. Sebagian masyarakat beranggapan bahwa transaksi pembayaran menggunakan e-money masih terdapat banyak kekurangan. Penelitian ini bertujuan untuk menguji Technology Acceptance Model (TAM) yaitu perceived ease of use dan perceived usefulness, selain itu juga menambahkan perceived risk untuk mengetahui pengaruh terhadap attitude toward using dan actual use terhadap penggunaan aplikasi LinkAja. Metode analisis menggunakan Structural Equation Modeling (SEM) dengan alat analisis SmartPLS. Penelitian ini dilakukan dengan metode survei dan sampel diambil menggunakan teknik purposive sampling terhadap responden yang menggunakan aplikasi LinkAja di seluruh Indonesia. Responden yang diperoleh sebanyak 200 responden. Hasil penelitian menunjukkan bahwa perceived ease of use dan perceived usefulness berpengaruh positif signifikan terhadap attitude toward using dan actual use. Perceived risk tidak berpengaruh signifikan terhadap actual use aplikasi LinkAja.

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Using Technology Acceptance Model to Study Customers’ Perception Towards Green Banking

Think India ◽

10.26643/think-india.v22i3.8270 ◽

2019 ◽

Vol 22 (3) ◽

pp. 402-409

Author(s):

Deepak Shrivastava ◽

Apurva Shrivastava ◽

Gyan Prakash

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Perceived Risk ◽

New Technology ◽

Banking System ◽

Point Of View ◽

Ease Of Use ◽

Perceived Usefulness ◽

Perceived Ease Of Use ◽

Acceptance Model

Tech-friendliness in this new era is an important quotient considered and the persons’ acceptance towards the technology frequency matters a lot. But still the frequency varies from person to person, this brought in the concept of Technology Acceptance Model given by Fred Davis in 1989. The theory of TAM is based on two theories that are Theory of Reasoned Action and Theory of Planned Behavior, TAM is extended version of these two. Green Banking is a new technology introduced by the banks that focuses on the growth of Sustainable development and Banking system too. Thus, banks ask their customers to use it or practice it in their daily life transactions. But every customer has their own point of view on the usage of Green banking. Thus, the research aims to understand the customers’ perception towards the Green Banking for this TAM is used. The research states that Perceived risk is the primary factor that is followed by perceived usefulness and perceived ease of use that impacts the decision to use green banking. Thus, the behavioral intention results in actual use of green banking usage for which people are trying to accept the new technology. So, the banks have earned points for creating awareness among their customers but still they have to work hard and clarify their customers’ problems and vanish that hitch that is stopping them to use green banking easily.

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An Application of the Technology Acceptance Model to Individual Protective Measures (IPMs) Against Viruses

Cascade Journal of Knowledge ◽

10.46290/cjok000013 ◽

2021 ◽

pp. 0-7:51 minutes

Author(s):

Matti Haverila ◽

Salma Husain

Keyword(s):

Social Influence ◽

Technology Acceptance ◽

Technology Acceptance Model ◽

Structural Equation ◽

Ease Of Use ◽

Perceived Usefulness ◽

Protective Measures ◽

Influenza Pandemics ◽

Environmental Measures ◽

Acceptance Model

This presentation describes Technology Acceptance Model (TAM) when using individual protective measures (IPMs) against the spreading of viruses like COVID-19. The constructs in TAM are perceived usefulness, and ease of use, attitude towards the use of IPMs and the actual use as well as social influence, which were measured with relevant indicator variables. The statistical method used in the analysis was Partial Least Squares Structural Equation Modelling (PLS-SEM). IPMs include personal protective measures for everyday use (e.g., voluntary home isolation, respiratory etiquette, and hand hygiene); Personal protective measures for influenza pandemics (e.g., voluntary home quarantine, and use of face masks in community settings); and Environmental measures (e.g., routine cleaning of frequently touched surfaces). The results indicate that all relationships were significant also so that the effect sizes were large to medium with the exception of social influence -> perceived usefulness and social influence -> attitude towards usage.

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Analisis Penggunaan E-Commerce Terhadap Peningkatan Permintaan Kuantitas Produk Pada UMKM di Kabupaten Banyumas (Suatu Pendekatan Teori Technology Acceptance Model)

JURNAL ILMU MANAJEMEN DAN BISNIS ◽

10.17509/jimb.v10i1.15371 ◽

2019 ◽

Vol 10 (1) ◽

pp. 63-74

Author(s):

Dona Primasari ◽

Sudjono Sudjono ◽

Nining Abriani

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Structural Equation ◽

Sampling Technique ◽

Ease Of Use ◽

Perceived Usefulness ◽

Equation Modeling ◽

Perceived Ease Of Use ◽

Acceptance Model ◽

Use Behavior

Abstract. The long-term objective of this research is to enrich the development of science, especially the development of SMEs related to the adoption of information technology with studies using the Technology Acceptance Model. The specific aim of the research is to examine what factors are inhibiting the adoption of e commerce technology in SMEs in Banyumas Regency, as well as examining whether e-commerce adoption has an impact on increasing the demand for product quantities in SMEs. Collecting data in this study was carried out by distributing questionnaires through direct interviews with SMEs in Banyumas District who were respondents. The sampling technique in this study using random sampling technique. Whereas for data analysis using Statistical Product and Service Solution (SPSS) version 22.0 and Structural Equation Modeling (SEM) with AMOS program. The results of the study show that the Technology Acceptance Model theory is able to explain the institutions of SMEs actors to use e-commerce technology. Keywords: E-commerce, perceived usefulness, perceived ease of use, use behavior,TAM (Technology Acceptance Model) Abstrak. Tujuan jangka panjang penelitian ini adalah untuk memperkaya perkembangan ilmu, khususnya pengembangan UMKM terkait dengan adopsi teknologi informasi dengan kajian menggunakan Technology Acceptance Model. Tujuan khusus penelitian adalah untuk menelaah faktor-faktor apakah yang menghambat adopsi teknologi e commerce pada UMKM di Kabupaten Banyumas, serta menelaah apakah adopsi e- commerce berdampak pada peningkatan permintaaan kuantitas produk pada UKM. Pengumpulan data dalam penelitian ini dilakukan dengan menyebarkan kuesioner melalui antar langsung kepada pelaku UMKM di Kabupaten Banyumas yang menjadi responden. Teknik pengambilan sampel dalam penelitian ini dengan menggunakan teknik random sampling. Sedangkan untuk analisis data mengunakan Statistical Product and Service Solution (SPSS) versi 22.0 dan Structural Equation Modeling (SEM) dengan program AMOS. Hasil penelitian menunjukkan bahwa teori Technology Acceptance Model mampu menjelaskan instensi para pelaku UMKM untuk menggunakan teknologi e-commerce. Hasil penelitian juga berhasil menerima 3 (tiga) hipotesis yaitu Perceived usefulnes berpengaruh terhadap use behavior, Perceived ease of use berpengaruh terhadap use behavior, use behavior berpengaruh terhadap peningkatan permintaan kuantitas produk. Hasil penelitian juga menunjukkan implementasi e-commerce tidak berpengaruh terhadap persepsi manfaat (perceived usefulness), Implementasi e-commerce tidak berpengaruh terhadap persepsi kemudahan pengoperasian sistem (perceived ease of use) atau dengan kata lain menolak 2 (dua) hipotesis lainnya.Keywords. E-commerce, perceived usefulnes, perceived ease of use, use behavior,peningkatan permintaan, TAM (Technology Acceptance Model)

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Technology Acceptance Model Modification for Electronic Wallet Users in Jakarta

Modern Economics ◽

10.31521/modecon.v26(2021)-03 ◽

2021 ◽

Vol 26 (1) ◽

pp. 17-24

Author(s):

Almi Budiman ◽

◽

Baruna Hadibrata ◽

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Perceived Risk ◽

Ease Of Use ◽

Perceived Usefulness ◽

Mobile Payment ◽

Perceived Ease Of Use ◽

Perceived Trust ◽

Money Transfers ◽

Acceptance Model

Introduction. The development of mobile payment in Indonesia is increased, especially by the emergence of the two biggest electronic payments, such as Go-Pay and Ovo, which aggressively offer various interesting offers. This affects the enhancement of the use of mobile payment by the public. In the beginning, server-based electronic money services of its appearance were still small, including credit top-up and internet data, and money transfers to banks that include as a member of ATM Bersama (joint ATM). Along with the development of technology, electronic wallets begin to transform by expanding payment services, and several latest e-wallet applications have emerged. Purpose. The purpose of this research is to understand the changes in consumers’ behavior that make payments from using cash and switching to electronic wallets. Results. The results of the analysis in this study were obtained as the below: (1) Perceived ease of use, perceived usefulness, perceived security, and perceived risk and trust have an influence on the intention to use e-wallet electronic application; (2) perceived ease of use and perceived risk have an influence on perceived usefulness of e-wallet user and (3) perceived ease of use, perceived risk, and perceived usefulness influence the perceived trust of e-wallet application users. Conclusions. It can be concluded that the technology acceptance model influences the user in using the electronic wallet as their transaction method since its usage can be trusted. Moreover, the benefit they got from electronic wallet (perceived usefulness) influence their trust and increase the intention of using an electronic wallet

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A Holistic Model Proposal to Better Understand Mobile Purchases

International Journal of Technology and Human Interaction ◽

10.4018/ijthi.2021070106 ◽

2021 ◽

Vol 17 (3) ◽

pp. 84-97

Author(s):

Sinda Agrebi

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Perceived Risk ◽

Purchase Intention ◽

Mobile Internet ◽

Ease Of Use ◽

Intention To Use ◽

Perceived Ease Of Use ◽

Holistic Model ◽

Acceptance Model

This research suggests a model to explain mobile purchase intention via smartphones based on the technology acceptance model to which specific variables to the m-commerce context were added: perceived risk, innovativeness, ubiquity, and trust in mobile internet. To that aim, a quantitative study was conducted with 400 French mobile users (200 buyers and 200 non-buyers) and was based on a purchase simulation of a train ticket on a mobile site up to the point of payment. The results show that the usefulness (explained by the innovativeness, the ubiquity and trust toward mobile Internet) and the perceived risk (explained by the innovativeness) have an impact on the intention to use unlike the perceived ease of use.

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Predictive factors of physicians’ satisfaction with telemedicine services acceptance

Health Informatics Journal ◽

10.1177/1460458219892162 ◽

2019 ◽

Vol 26 (3) ◽

pp. 1866-1880 ◽

Cited By ~ 9

Author(s):

Jonathan Kissi ◽

Baozhen Dai ◽

Courage SK Dogbe ◽

Jonathan Banahene ◽

Oyeh Ernest

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Predictive Factors ◽

Structural Equation ◽

Care Delivery ◽

Ease Of Use ◽

Perceived Usefulness ◽

Equation Modeling ◽

Perceived Ease Of Use ◽

Acceptance Model

Despite the significant increase in telemedicine services technology, its adoption and use have been quite slow in some healthcare settings. It is generally accepted in today’s globalizing world that the success of telemedicine services relies on users’ satisfaction. Satisfying physicians and patients is one of the crucial objectives of telemedicine success. This study seeks to evaluate physicians’ satisfaction with telemedicine services adoption and utilization using the technology acceptance model. A structured questionnaire based on the construct of technology acceptance model was used to solicit for data from participants in four different government health institutions. Purposive and convenience sampling techniques were employed to select healthcare professionals from various medical fields. Structural equation modeling was utilized in the data analysis. Perceived ease of use and perceived usefulness of telemedicine services were found to influence physicians’ behavioral intentions. This resulted in increased efficiency, quality of services, quality patient care delivery, and satisfaction among physicians in using telemedicine services. We noted that the adoption of telemedicine services in clinical settings depends on physicians’ and patients’ satisfaction with the use of the service. The study contributes to empirical knowledge by identifying the vital predictive factors affecting telemedicine services satisfaction among physicians.

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Integration of technology acceptance model and theory of reasoned action in pre-dicting e-wallet continuous usage intentions

International Journal of Data and Network Science ◽

10.5267/j.ijdns.2021.8.002 ◽

2021 ◽

Vol 5 (4) ◽

pp. 649-658

Author(s):

Putu Laksmita Dewi Rahmayanti ◽

I Gusti Ngurah Jaya Agung Widagda ◽

Ni Nyoman Kerti Yasa ◽

I Gusti Ayu Ketut Giantari ◽

Martaleni Martaleni ◽

...

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Structural Equation ◽

Theory Of Reasoned Action ◽

Reasoned Action ◽

Ease Of Use ◽

Perceived Usefulness ◽

Perceived Ease Of Use ◽

Continuous Usage Intention ◽

Acceptance Model

The purpose of this study is to determine the factors influencing continuous usage intention of E-Wallet in Denpasar City with integrating the Technology Acceptance Model (TAM) And Theory of Reasoned Action (TRA). This study applied a structural equation model analysis with 140 samples collected from E-Wallet users in Denpasar City. The results show that all three determinants of E-Wallet continuous usage intention, including perceived usefulness, perceived ease of use, and attitude. Recommendations are provided for E-Wallet providers to improve their user continuous usage intention in Denpasar City.

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The Intention of Adopting Information Technology for SMES in Special Region of Yogyakarta

Jurnal Dinamika Manajemen ◽

10.15294/jdm.v10i2.19347 ◽

2020 ◽

Vol 10 (2) ◽

pp. 205-215

Author(s):

Tony Wijaya ◽

Santi Budiman

Keyword(s):

Information Technology ◽

Technology Acceptance ◽

Technology Acceptance Model ◽

Structural Equation ◽

Structural Equation Models ◽

Ease Of Use ◽

Perceived Usefulness ◽

Analysis Technique ◽

Acceptance Model ◽

Expansion Model

This study aims to examine the intention of adopting information technology for SMEs in DIY through the expansion of the technology acceptance model. This research continues the previous research related to aspects of obstacles experienced in the development of SME businesses. The research conducted a survey using a sample of SMEs entrepreneurs in DIY. The data analysis technique in this study uses structural equation models that are assisted by the AMOS program. Overall, the expansion model of the technology acceptance model in predicting the intention of adopting SME’s information technology in this study fulfils the model fit rules, which means that the model developed in this study is by existing empirical conditions. In particular, the results of the study prove the influence of business competition pressure on the usefulness of SME owners. It also found that ease of use and perceived usefulness have an effect on the attitudes towards SMEs information technology adoption of SMEs owners, and the attitudes on the adoption of SMEs information technology affect the intention of adopting SME’s information technology.

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