scholarly journals FACTORS AFFECTING ADOPTION OF E-WALLETS AMONG YOUTHS IN MALAYSIA

2020 ◽  
Vol 5 (19) ◽  
pp. 39-50
Author(s):  
Siew Chein Teo ◽  
Pei Li Law ◽  
Ah Choo Koo
Keyword(s):  
Social Influence ◽  
Influence Factors ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Factors Affecting ◽  
Tam Model ◽  
Quantitative Data Analysis ◽  
Perceived Security ◽  
Significant Factors

This study aims to identify the current level of e-wallet adoption among the youths in Malaysia and to examine the factors that drive them to get adapted to the ongoing implementation and development of e-wallet in Malaysia. This study extended the TAM model with perceived security and social influence factors for assessing the attitude among the Malaysian youths towards e-wallet adoption. 200 sets of questionnaires had been gathered from the Malaysian youths, Quantitative data analysis was performed via SPSS and Smart-PLS 3.0 program. The results indicate that perceived security, perceived ease-of-use, and social influence were the significant factors that influence or predict the intention of using e-wallets but leaving the perceived usefulness as an insignificant predictor towards the e-wallet adoption among the Malaysian youths.

A Study on Behavior Intention to Adopt Mobile Banking Apps

2021 ◽  
Vol 13 (2) ◽  
pp. 60-72
Author(s):  
Phan Dai Thich
Keyword(s):  
Social Influence ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Influential Factor ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Behavior Intention ◽  
Intention To Adopt ◽  
Tam Model

This study aims to examine the factors influencing consumers' behavior intention to adopt mobile banking apps. The research uses the TAM model with additional variables such as social influence and perceived risk to evaluate how these factors impact the behavior intention of young customers toward adopting mobile banking services. PLS-SEM was used as the main research method. The findings from this paper reaffirmed that perceived usefulness and social influence are the most influential factor in behavior intention, but perceived ease of use and perceived risk showed insignificant impacts on young consumers' behavior intention in Vietnam. This paper also found that perceived ease of use had no direct impact on behavior intention but an indirect impact through facilitating perceived usefulness. This subject makes a practical and academic contribution in the context of a developing country where is lacking research in mobile banking apps.

Factors influencing IT Adoption by Bank Employees: An Extended TAM Approach

2013 ◽  
Vol 38 (4) ◽  
pp. 83-96 ◽  
Author(s):  
Rupanjali Nath ◽  
Kanika T Bhal ◽  
Geetika T Kapoor
Keyword(s):  
Social Influence ◽  
Technology Acceptance ◽  
Self Efficacy ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Behavioural Intention ◽  
Perceived Ease Of Use ◽  
Tam Model ◽  
Bank Employees ◽  
Computer Self Efficacy

The use of Information Technology (IT) in the banking sector has seen a phenomenal growth in India. For its effective use and implementation, employees' acceptance and the consequent use of IT are important. Davis' Technology Acceptance Model (TAM) (1989) explains users' acceptance of electronic systems. By applying the extended TAM approach to this study, the authors aim to uncover various factors that affect the attitude and acceptance of bank employees towards CBS. The TAM model identifies perceived usefulness (PU), and perceived ease of use (PEU) as impacting attitude towards IT and behavioural intention. The model is extended by identifying social influence, computer self-efficacy, and technological facility as factors affecting perceived usefulness and perceived ease of use. The target respondents for this study were bank employees from the public and private sectors banks (State Bank of India, Union Bank, Bank of India, ICICI Bank, and Axis Bank) situated in the National Capital Territory (NCT) of Delhi. Measurement items applied in this study were an adaptation of previously validated measures or were developed on the basis of a literature review. Responses were analysed using the 7-point Likert Scale that ranged from (1) ‘strongly disagree’ to (7) ‘strongly agree’. To test the reliability of the measures, a pilot study was conducted with 20 randomly chosen employees and modified scales. Structural equation modelling was used to analyse the data. Overall, the findings suggest that extended TAM variables positively influence the intention and usage behaviour through PU and PEU. That is, social influence enhances perceived usefulness; and computer self-efficacy and technology facility influence the perceived ease of use. Again, perceived ease of use significantly influences perceived usefulness which in turn has significant effect on behavioural intention and usage behaviour. Social influence of superiors was the prominent determinant of perceived usefulness of the CBS technology. Hence the role of managers as effective communicators is heightened especially in conveying the benefits of using IT and in turn achieving organizational goals.

Factors Affecting University Students' Intention to Use Cloud Computing in Jordan

2017 ◽  
Vol 12 (1) ◽  
pp. 51-65 ◽  
Author(s):  
Khalid Ali Rababah ◽  
Mohammad Khasawneh ◽  
Bilal Nassar
Keyword(s):  
Cloud Computing ◽  
Quantitative Research ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Research Approach ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Factors Affecting ◽  
Perceived Security ◽  
Multiple Regression Technique

The aim of this study is to examine the factors affecting students' intention to use cloud computing in the Jordanian universities. To achieve this purpose, a quantitative research approach which is a survey-based was deployed. Around 400 questionnaires were distributed randomly to Information Technology (IT) students at four universities in Jordan and only 236 valid questionnaires were received. Using multiple regression technique, the results revealed that perceived usefulness, perceived ease of use, perceived security, perceived speed of access, and perceived cost of usage were significantly influencing the students' intention to accept and use cloud computing while the Affect was not. Furthermore, the results indicated that the developed model explains 50.4% of the variance in the students' intention to use cloud computing. Practically, the results of this study are considered fruitful for the universities and students to increase the usage of cloud computing in the educational settings.

scholarly journals The Literature Review of Blockchain Adoption

2021 ◽  
pp. 29-50
Author(s):  
Sukina Almekhlafi ◽  
Nagi Al-Shaibany
Keyword(s):  
Literature Review ◽  
Technology Acceptance ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Adoption Studies ◽  
Factors Affecting ◽  
Blockchain Technology ◽  
Use Of Technology ◽  
Tam Model

Blockchain is an emerging technology that depends on distribution, decentralization, and encryption. Recently, it has gained wide interest in various fields of studies. Several considerable research on blockchain adoption has appeared in international journals across different disciplines, however, a review of literature on the adoption of blockchain remains rare. This study aimed to provide a comprehensive literature review of the current blockchain adoption studies that use individual adoption models or theories. This paper included the papers that are published in the 7 Scopus database from 2017-2021. Studies were analyzed to determine the adoption models or theories that are used, industry, country, methodology, and identify the most important influencing factors that drive the user to accept the adoption of blockchain technology. The results showed that there are still limitations in adoption studies in various fields such as health and education however, the field of supply chain management is one of the areas that received the most attention in the studies. Common studies relied on the Technology Acceptance Model (TAM) model as well as the Unified Theory of Acceptance and Use of Technology (UTAUT). Moreover, perceived ease of use (PEOU), perceived usefulness (PU) are considered the most important factors affecting the intention of users in adopting blockchain technology in different fields. The research findings have implications on blockchain adoption research. In terms of theory, the findings provide a guideline for the other researchers to put their own research in a better context and thus contribute to understanding the relevant blockchain adoption issues that require further investigation.

scholarly journals E-Wallet- Factors Affecting Its Intention to Use

2019 ◽  
Vol 8 (4) ◽  
pp. 3411-3415 ◽  
Keyword(s):  
Social Influence ◽  
Developing Economies ◽  
Strong Relationship ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Factors Affecting ◽  
Moment Coefficient ◽  
To Come

The purpose of this research paper is to determine the influence of factors on intention to use E-Wallet, Bangkok, Thailand. The five factors which are selected for the study are perceived usefulness, perceived ease of use, security/privacy confidence, social influence and trustworthiness. In this study, the research is based on data collected through electronic questionnaires which were filled by 384 respondents who belong to service class of Bangkok, Thailand. The data were collected by using judgement quota and convenience sampling of nonprobability sampling method. The data so collected was analyzed by using Pearson Product Moment Coefficient Correlation (Bivariate) in order to find out the level of significance and relationship between independent and dependent variables. The result of analysis revealed that all the independent variables have a significant relationship with intention to use E-Wallet, with one of the variables, namely trustworthiness showing a strong relationship with intention to use E-Wallet whereas social influence showing lowest impact on intention to use E-Wallet. The results and findings of the study throw light on factors that the companies can emphasize and work upon to design their product related as well as marketing related strategies. The companies will be in a better position to attract new and existing customers towards E-Wallet usage. The use of E-Wallet is becoming popular not only in developed economies, but also in developing economies owing to the ease, safety and fast completion of day to day financial activities of the users. Moreover, the digitalization of monetary transactions throughout the world is a major factor which necessitates the use of EWallets by the users, thereby increasing the number of such users in the days to come

scholarly journals Are We Ready for Mobile Payment?

2019 ◽  
Vol 5 (2) ◽  
pp. 1
Author(s):  
Wai Phoong Seuk ◽  
Yen Phoong Seuk ◽  
Moghavvemi Sedigheh ◽  
Chung Yeong Wai
Keyword(s):  
Ease Of Use ◽  
Perceived Usefulness ◽  
Survey Method ◽  
Mobile Payment ◽  
Perceived Ease Of Use ◽  
Factors Influencing ◽  
Quantitative Data Analysis ◽  
Perceived Security ◽  
The Relationship ◽  
Current Stage

This study aims to identify the factors influencing the readiness and acceptance of mobile payment applications. The study is performed using the survey method. Quantitative data analysis are used to measure the relationship between the perceived usefulness, perceived ease of use, and perceived security on the readiness of Malaysian in using mobile payment applications. The results shown that perceived usefulness, perceived ease of use, and perceived security have a positive and significance relationship with the usage of mobile payment applications. Moreover, perceived ease of use is reported as the strongest factor towards usage of mobile payment applications, following by perceived security and perceived usefulness. This study is able to provide information on the current stage of use on mobile payment in Malaysia and it is also beneficial to the mobile payment facilities provider into find out strategies that could improve the acceptance and use of mobile payment application.

Adoption of Mobile Wallet During Covid-19 Outbreak: The Consumer Perspective

2021 ◽  
Vol 6 (2) ◽  
pp. 27
Author(s):  
Lim Kah Boon ◽  
Yeo Sook Fern ◽  
Lim Chiou Fen
Keyword(s):  
Social Influence ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
The Public ◽  
Perceived Security ◽  
Managerial Implications ◽  
Consumer Perspective ◽  
Contact Free

Government authorities have encouraged the public to use the contactless payment method in accordance with the new norm practised during the COVID-19 pandemic outbreak. Malaysians will receive RM50 in mobile wallet credit as part of a Penjana Economic Recovery Plan initiative in July 2020 to encourage safe and contact-free payment. Hence, this paper aimed to study the factors influencing consumer adoption of mobile wallets during the COVID-19 outbreak. The independent variables included in this study are perceived usefulness, perceived ease of use, perceived social influence and perceived security. A total of 250 Malaysians from three states of Malaysia are given a set of self-administered questionnaires to be answered. The response rate is 94%, with 235 sets of completed questionnaires used for analysis. The Partial Least Squares Structural Equation Modelling (PLS-SEM 3.3.3) is used to analyse the model. The hypothesis testing results concluded that perceived usefulness, social influence and perceived security have a significant relationship with mobile wallet adoption during the COVID-19 outbreak. Nonetheless, this research is useful for mobile wallet developers and other researchers. Lastly, the findings of this study provide some managerial implications for mobile wallet developers, which can help developers produce a better mobile wallet in the marketplace.

An Empirical Study on the Adoption of E-Commerce in Pondicherry.

Think India ◽  
2019 ◽  
Vol 22 (2) ◽  
pp. 305-314
Author(s):  
Kishore Raaj Suresh
Keyword(s):  
Data Analysis ◽  
Design Methodology ◽  
Measurement Instrument ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Validity And Reliability ◽  
Personal Cost ◽  
Perceived Security ◽  
Perceived Enjoyment

Purpose – This study investigates the consumer’s technology adoption toward electronic commerce. In addition to the variables perceived usefulness and perceived ease of use derived from TAM, the study included and tested factors like perceived security, perceived product value, personal cost, perceived enjoyment, perceived cost and perceived quality. Design/methodology/approach – A questionnaire was developed primarily based on the available scales in the already published literature. All model constructs requested participants to indicate their perceptions of Likert-style responses. The data analysis was executed using Smart PLS to test the validity and reliability of the measurement instrument.

FACTORS AFFECTING THE ADOPTION OF ELECTRONIC MONEY USING TECHNOLOGY ACCEPTANCE MODEL AND THEORY OF PLANNED BEHAVIOR

2019 ◽  
Vol 24 (1) ◽  
pp. 100-113
Author(s):  
Filona ◽  
Misdiyono
Keyword(s):  
Theory Of Planned Behavior ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Electronic Money ◽  
Factors Affecting ◽  
Acceptance Model

With the rapid growth of information technology, electronic money has played an important and central role in the e-payment. Development of electronic money is able to create a trend less-cash society, which is a society’s behavior using non- cash transactions by utilizing the simplicity offered through electronic transactions. The purpose of this research is to determine the factors affecting the intention to use electronic money. We designed a questionnaire and used it to survey a simple random sampling of people who use of e-money in DKI Jakarta. The actual samples used for the study are 125 respondents. We analyzed the data using Structured Equation Modeling to evaluate the strength of the hypothesized effects. The result of the analysis showed that perceived ease of use has no significant effect on attitudes towards the use of e-money. Perceived ease of use has a significant effect on the perceived usefulness of e-money. Perceived usefulness has no significant effect on the intention to use e-money. Perceived usefulness has a significant effect on attitudes towards the use of e-money. Attitude has a significant effect on the intention to use e-money. Subjective norm has a significant effect on the intention to use e-money. Perceived behavioral control has no significant effect on the intention to use e-money. Keywords: electronic money, technology acceptance model, the theory of planned behavior.

Factors Influencing the Adoption of Payment Banks in India Using an Extended TAM

2021 ◽  
pp. 2319510X2110135
Author(s):  
Japneet Kaur ◽  
Sawraj Kaur ◽  
Amanjot Singh Syan ◽  
Rishi Raj Sharma
Keyword(s):  
Social Influence ◽  
Technology Acceptance ◽  
Self Efficacy ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Initial Trust ◽  
Behavioural Intentions ◽  
Facilitating Conditions

The purpose of this study is to investigate the factors that shape behavioural intentions of customers towards the adoption of payment banks in India. The conceptual framework of study is based upon integration of technology acceptance model with initial trust, facilitating conditions and social influence. Further, the study tests the moderating role of age, income and self-efficacy on the relationships between dependent variable and associated predicted variable. A total of 507 responses were collected from the state of Punjab (India), using convenient sampling technique and were analysed using the structural equation modelling (SEM). The results revealed that perceived ease of use had the highest impact on the behavioural intentions, followed by initial trust and social influence. Facilitating conditions and perceived usefulness showed lower impact on the behavioural intentions towards the adoption of payment banks. Also, moderation analysis revealed that self-efficacy moderates the relation of perceived ease of use and perceived usefulness with behavioural intentions. Results imply that marketers should collaborate with developers to provide the customers with easy-to-operate solutions along with robust customer support mechanism to escalate the adoption intention of those having lower self-efficacy levels.

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