scholarly journals Behavioural Intention of Commercial Banks’ Customers towards Financial Technology Services

2021 ◽  
Vol 5 (4) ◽  
pp. 10-27
Author(s):  
Kwee Kim Peong ◽  
Kwee Peng Peong ◽  
Kui Yean Tan
Keyword(s):  
Social Influence ◽  
Cyber Security ◽  
Commercial Banks ◽  
Influential Factors ◽  
Behavioural Intention ◽  
Intention To Use ◽  
Security Risks ◽  
Technology Services ◽  
Privacy Risks ◽  
Financial Technology

Objective – The objective of this study is to determine the process that takes place in the employment of financial technology in the financial services industry. It is of utmost important that FinTech firms and commercial banks understand the predictors that can influence their consumers’ decision to adopt FinTech services and to increase loyalty toward their services. Methodology/Technique – An online survey was used in the present research to explore factors that can influence commercial bank users’ intention to use FinTech services in Malaysia. The data for the current study was gathered from bank users who aged at least 18 years old and resided in Malacca, Malaysia who accessed FinTech services via smartphone. This research also employed the convenient sampling in distributing online questionnaires to 400 respondents who had successfully completed and returned the questionnaires. Findings – The empirical findings illustrate that trust, social influence, cyber-security risks and privacy risks are the most influential determinants that affect bank customers’ behavioural intention to use FinTech services in Malaysia. Novelty – This research contributes to the theory of TAM, UTAUT and TPB by proposing a direct effect of trust, social influence, cyber-security risks and privacy risks on the adoption of FinTech services. The findings of the current study will be beneficial to policymakers, specifically financial institutions and FinTech firms as they will be informed on workable means to increase the quality of FinTech applications/websites. This can yield greater intentions to adopt FinTech. Stakeholders should play their important role in noticing and considering the influential factors that can impact the consumers’ behavioural intention for using technologies in their policies to fulfil the users’ needs. Type of Paper: Empirical JEL Classification: G02, G21 Keywords: Trust; Social Influence; Cyber-Security Risks; Privacy Risks; Behavioural Intention to Use Reference to this paper should be made as follows: Peong, K.K; Peong, K.P; Tan K.Y. (2021). Behavioural Intention of Commercial Banks’ Customers towards Financial Technology Services, Journal of Finance and Banking Review, 5(4): 10 – 27. https://doi.org/10.35609/jfbr.2021.5.4(2)

Intention to use e-banking services in the Jordanian commercial banks

2018 ◽  
Vol 36 (3) ◽  
pp. 557-571 ◽  
Author(s):  
Saad Ghaleb Yaseen ◽  
Ihab Ali El Qirem
Keyword(s):  
Social Influence ◽  
Commercial Banks ◽  
Longitudinal Research ◽  
Explanatory Power ◽  
Future Research ◽  
Intention To Use ◽  
Banking Services ◽  
Content Type ◽  
Factors Influencing ◽  
Actual Use

Purpose The purpose of this paper is to investigate the essential factors influencing the adoption and use of e-banking services as perceived by customers of the Jordanian commercial banks. Design/methodology/approach This paper adapts and modifies the unified theory of acceptance and use of the technology model. Modifications were made to explain intention to use e-banking services. Findings The modified model explained 0.887 of behavior intention variance and 0.516 percent of the intended degree of e-banking services use variance. Three constructs are found to be good predictors: effort expectancy (EE), social influence, and perceived e-banking services quality. Performance expectancy and hedonic motivation are not significant predictors. However, all three predictors were significantly moderated by age only. Research limitations/implications As with any research in the field of IT adoption and consumer behavior, researchers should take into consideration the generalization of their empirical findings. The generalization could be enhanced if future research uses the Jordanian baking sector which includes Jordanian and non-Jordanian banks. Finally, the current research findings are based on the cross-sectional research method. Taking this fact into consideration, the relation between intention and actual use may raise questions. One solution is to study intention and actual use at different points in time by conducting longitudinal research to access and test the research hypotheses. Practical implications Managers need to focus on promoting e-banking services in terms of consumer’s EE, social influence, and e-banking service quality. Since young consumers are early adopters, Jordanian banks need to introduce added entertainment values for youth and extra convenience for older consumers. Originality/value The main contributions revolve around developing a better understanding of the essential factors influencing the adoption and use of e-banking services. This research incorporates a new variable: perceived e-banking quality. Thus, the proposed model provides better explanatory power than previous research.

scholarly journals Role of Boards in Cybersecurity Risk Profiling: The Case of Bangladeshi Commercial Banks

2021 ◽  
pp. 49-58
Author(s):  
Md. Bazlur Rahman ◽  
Tania Karim ◽  
Imtiaz Uddin Chowdhury
Keyword(s):  
Cyber Security ◽  
Commercial Banks ◽  
Banking Sector ◽  
Corporate Boards ◽  
Security Risks ◽  
Developed Economies ◽  
Risk Profiling ◽  
Depth Interview ◽  
Cyber Risk ◽  
Governance Risk

Cybercrime becomes costlier than physical crime in developed economies. As a result, it has become the top priority in governance issues in financial institutions. As a developing nation in Bangladesh, the banking sector faces multi-dimensional challenges to adopt IT applications in banking with cybercrime. The paper examines what the banking industry faces cyber security risks and how the board members contribute to identify and mitigate the risk. Through an in-depth interview among the directors of commercial banks in Bangladesh, we identified the possible cyber risk and prepared the risk profile describing the sources, implications, severity of impact, likelihood of occurrence and ranked them. The result shows that the IT governance risk, IT investment risk, and information risk are most critical among the significant cyber security risks. The results of the study have important implications for both corporate boards and policymakers.

scholarly journals The acceptance of radiographers to use Non-fluoroscopy Guided Positioning and the influence of leadership: a survey research

2019 ◽  
Vol 54 (4) ◽  
pp. 295-301
Author(s):  
S. Germonpré ◽  
G. Vermaut ◽  
J. Trybou
Keyword(s):  
Social Influence ◽  
Survey Research ◽  
Predictive Value ◽  
Behavioural Intention ◽  
Intention To Use ◽  
Helpful Tool ◽  
Moderation Analysis ◽  
Performance Expectancy ◽  
Effort Expectancy ◽  
Using Data

Although using fluoroscopy to position the patient for radiographic examinations cannot be justified, it is commonly used by several radiology departments. In an attempt to understand the determinants of non-fluoroscopy-guided positioning, this study investigates the predictive value of performance expectancy, effort expectancy and social influence. Subsequently, the moderation of individualised consideration by the head radiographer, as a leadership trait, is tested. The study is performed by using data of a self-administered paper and pencil questionnaire distributed among 17 Belgian hospitals. All 301 radiographers working in radiology departments were invited to cooperate. We found that effort expectancy is the strongest predictor, closely followed by performance expectancy. The effect of social influence is also found to be significant. The outcome of the moderation analysis shows that only the effect of social influence on the behavioural intention to use non-fluoroscopy-guided positioning is significantly moderated by individualised consideration. In conclusion we can state that the findings of this research can be a helpful tool for radiologists and head radiographers to stimulate the staff to improve imaging practices.

scholarly journals German farmers’ intention to use autonomous field robots: a PLS-analysis

2021 ◽  
Author(s):  
Friedrich Rübcke von Veltheim ◽  
Ludwig Theuvsen ◽  
Heinke Heise
Keyword(s):  
Social Influence ◽  
Structural Equation ◽  
Large Scale ◽  
Autonomous Systems ◽  
Equation Model ◽  
Behavioural Intention ◽  
Intention To Use ◽  
Negative Effects ◽  
Field Robots ◽  
Positive Effects

AbstractAutonomous field robots are a promising technology for solving several problems in agriculture, as they are electrical driven, can control weeds single-plant based mechanically or with microdoses of pesticides and exert less ground pressure on the field. Whether such robots will be applied on a large scale in German agriculture depends on various parameters. Therefore, the factors influencing the behavioural intention of farmers with respect to their future adoption of autonomous field robots were investigated. The analysis applies a structural equation model based on an extended version of the Unified Theory of Acceptance and Use of Technology. The dataset, collected in 2019, consists of 500 German farmers. The results reveal significantly positive effects of farmers’ expected performance, social influence and trust as well as significantly negative effects of farmers’ effort expectancy and anxiety on the behavioural intention to use autonomous field robots. Additionally, moderating effects of age on the relationship of individual constructs to the behavioural intent to use robots could be confirmed. The results provide important information for various stakeholders. Robot suppliers should better inform farmers about the performance of their products, for instance by involving farmers in the development process of the robots. The ecological benefits attributed to field robots could meet public expectations and should be better communicated to address farmers’ social influence on the behavioural intention to use the robots. Policymakers could try to create better framework conditions, for example by establishing a stable legal situation for autonomous systems or promote its use.

scholarly journals Role of Boards in Cybersecurity Risk Profiling: The Case of Bangladeshi Commercial Banks

2021 ◽  
pp. 49-58
Author(s):  
Md. Bazlur Rahman ◽  
Tania Karim ◽  
Imtiaz Uddin Chowdhury
Keyword(s):  
Cyber Security ◽  
Commercial Banks ◽  
Banking Sector ◽  
Corporate Boards ◽  
Security Risks ◽  
Developed Economies ◽  
Risk Profiling ◽  
Depth Interview ◽  
Cyber Risk ◽  
Governance Risk

Cybercrime becomes costlier than physical crime in developed economies. As a result, it has become the top priority in governance issues in financial institutions. As a developing nation in Bangladesh, the banking sector faces multi-dimensional challenges to adopt IT applications in banking with cybercrime. The paper examines what the banking industry faces cyber security risks and how the board members contribute to identify and mitigate the risk. Through an in-depth interview among the directors of commercial banks in Bangladesh, we identified the possible cyber risk and prepared the risk profile describing the sources, implications, severity of impact, likelihood of occurrence and ranked them. The result shows that the IT governance risk, IT investment risk, and information risk are most critical among the significant cyber security risks. The results of the study have important implications for both corporate boards and policymakers.

Behavioural Intention to Use Building Information Modelling (BIM) among Community College Students in Malaysia

2020 ◽  
Vol 8 (1) ◽  
pp. 4-17
Author(s):  
Nor Akmal Mohamad ◽  
Madihah Khalid
Keyword(s):  
College Students ◽  
Community College ◽  
Community College Students ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Behavioural Intention ◽  
Intention To Use ◽  
Building Information Modelling ◽  
Information Modelling ◽  
Building Information

Building information modelling (BIM) is one of the new technologies being used in architectural and constructions projects. At present, BIM curricula are being taught in many Malaysian higher learning institutions, including at the certificate level in community colleges. Even though many studies have investigated behavioural intention to adopt BIM in the industrial setting, studies on the intention to use BIM among students during their training or learning have not received the same level of attention. This study, therefore, investigated the extent to which community college students are willing to accept and use BIM. Factors that influenced their behavioural intention to use BIM, as well as the relationship between the factors and intention to use were also examined. The Technology Acceptance Model (TAM) was used as the theoretical framework to guide the research, where students’ behavioural intention to use BIM was explained through their perceptions of its usefulness and ease of use, as well as their attitude towards BIM utilization in the classroom. A total of 144 community college students enrolled in the architecture programmes in Malaysia were selected as the sample using convenience sampling. The findings show that the students’ behavioural intention to adopt BIM is high. They also perceive BIM as useful and easy to use, and their attitude towards BIM usage appears to be positive. The regression model produced an adjusted R-squared value of 0.790 indicating that 79% of the total variance in the students’ intention to use BIM can be explained by the three independent variables, i.e., perceived usefulness, ease of use, and attitude. Keywords: Building information modelling, perceived usefulness, perceived ease of use, attitude, intention to use, behavioural intention, Technology Acceptance Model

scholarly journals Investigating the Determinants of Students’ Intention to Use Business Simulation Games

2019 ◽  
Vol 58 (2) ◽  
pp. 433-458 ◽  
Author(s):  
Yu-Yin Wang ◽  
Yi-Shun Wang ◽  
Shi-En Jian
Keyword(s):  
Social Influence ◽  
Behavioral Intention ◽  
Partial Least Square ◽  
Intention To Use ◽  
Business Simulation ◽  
Simulation Games ◽  
Performance Expectancy ◽  
Effort Expectancy ◽  
Facilitating Conditions ◽  
Behavioral Intention To Use

Business simulation games (BSGs) are educational tools that help students develop business management knowledge and skills. However, to date, relatively little research has investigated the factors that influence students’ BSG usage intention. Grounded on the extended unified theory of acceptance and use of technology, this study helped to fill this gap by exploring intention to use BSGs. Specifically, this study investigated the influence of performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, and price value on behavioral intention to use BSGs. Data collected from 141 useful respondents were tested against the research model using partial least square approach. The results of this study indicated that behavioral intention to use BSGs was influenced by facilitating conditions, hedonic motivation, and price value. Unexpectedly, performance expectancy, effort expectancy, and social influence were not predictive of students’ behavioral intention to use BSGs. These findings enhanced our understanding of students’ BSG usage behavior and provided several important theoretical and practical implications for the application of BSG in the context of business and management education.

scholarly journals Factors Affecting Teaching English as a Second Language (TESL) Postgraduate Students’ Behavioural Intention for Online Learning during the COVID-19 Pandemic

2021 ◽  
Vol 13 (6) ◽  
pp. 3524
Author(s):  
Melor Md Yunus ◽  
Wee Shin Ang ◽  
Harwati Hashim
Keyword(s):  
Online Learning ◽  
Survey Design ◽  
Behavioural Intention ◽  
Intention To Use ◽  
Postgraduate Students ◽  
Factors Affecting ◽  
Positive Effects ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Facilitating Conditions

Online learning has become essential in education as the spread of coronavirus 19 (COVID-19) pandemic has brought significant changes to the field. However, education should remain welcoming and supportive to all the learners as it is important to keep the students’ behavioural intention in any form of learning environment. Thus, this study is significant as online learning is leading the trend of education now. Past studies revealed that the factors of performance expectancy, effort expectancy, social influence, and facilitating conditions under the unified theory of acceptance and use of technology (UTAUT) model affect learners’ behavioural intention to use online learning. This study intended to identify the most significant factors that influence TESL postgraduate students’ behavioural intention towards the use of online learning during the COVID-19 pandemic. It also examined the relationship amongst the four factors and postgraduate students’ behavioural intention to use online learning. The participants consisted of 169 postgraduate students at a public university in Malaysia. To achieve the aim, the study utilized a survey design using a questionnaire. The results from regression analysis revealed that all of the factors have positive effects on postgraduate students’ behavioural intention to use online learning. Meanwhile, performance expectancy has the greatest influence on postgraduate students’ behavioural intention. Hence, this study concludes that the practicality and the usefulness of online learning should be highlighted by the authorities.

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