scholarly journals Factors Influencing Behavioural Intention to Use Mobile Banking in Champawat District of Uttrakhand

2019 ◽  
Vol 9 (2) ◽  
pp. 1926-1932
Keyword(s):  
Technology Acceptance ◽  
Rural Areas ◽  
Economic Activity ◽  
Financial Inclusion ◽  
Mobile Banking ◽  
Rural Employment ◽  
Brick And Mortar ◽  
Acceptance Model ◽  
The Relationship ◽  
Effective Spread

India has more mobile connections compared to banking accounts, therefore GoI in Economic Survey 2014-15, proposed JAM (Jan-Dhan Yojana, Aadhar Number and Mobile Number) trinity to use ICT for more efficient and effective spread of formal banking even to the hilly areas where brick and mortar banks are challenging to build and sustain. Also, financial inclusion cannot happen without economic activity, and Mahatma Gandhi National Rural Employment Act (MGNREGA) is a policy which significantly helped to enhance the economic activity of rural India. Because of penetration of mobile technology and involvement of the same in financial inclusion, this research will contribute to understanding the constructs of mobile banking adoption in hilly rural area of Champawat District, Uttrakhand w.r.t population registered with MGNREGA. The authors found research is scarce for mobile banking adoption in hilly rural areas of India. (Mehta et, al 2019) may be the only study for Champawat district of Uttrakhand, using technology acceptance model (TAM) and total interpretive structural modelling (TISM) to develop a model. This paper takes model from Mehta et al. 2019 and examines the relationship between the constructs using structured equation modelling (SEM).

scholarly journals Mobile Banking – An Answer to Financial Inclusion in Hilly Rural India.

2019 ◽  
Vol 8 (4) ◽  
pp. 1730-1738
Keyword(s):  
Technology Acceptance ◽  
Banking System ◽  
Financial Inclusion ◽  
Mobile Banking ◽  
Interpretive Structural Modeling ◽  
Rural Employment ◽  
Brick And Mortar ◽  
Economic Survey ◽  
Acceptance Model ◽  
Effective Spread

Financial Inclusion is still a major challenge for the India, despite of being one of major agenda since 2004-2005, due to difficulty in reaching far flung areas of the country comprising 600,000 villages. This has huge implications on economic development of the country. Therefore there is regular thrust from Government of India (GoI) to bring everyone to the ambit of formal banking system through various schemes. Mahatma Gandhi National Rural Employment Act (MGNREGA) is one of the major GoI schemes that have contributed significantly to financial inclusion in India. India has more mobile connections compared to banking accounts, therefore GoI in Economic Survey 2014-15, proposed JAM (JanDhan Yojana, Aadhar Number and Mobile Number) trinity to use ICT for more efficient and effective spread of formal banking even to the hilly areas where brick and mortar banks are difficult to build and sustain. Hence to understand the constructs of mobile banking adoption for financial inclusion in Champawat district of Uttrakhand, India under MNREGA, this research discusses revised technology acceptance model (TAM) and carefully picked constructs from literature review which were weaved together by using Total Interpretive Structural Modeling (TISM) to form a conceptual model for Champawat District of Uttrakhand, India.

An Investigation of Factors Affecting Usage and Adoption of Internet & Mobile Banking In Pakistan

2014 ◽  
Vol 1 (1) ◽  
pp. 478 ◽  
Author(s):  
Fatima Mazhar ◽  
Muhammad Rizwan ◽  
Umar Fiaz ◽  
Sobia Ishrat ◽  
Muhammad Salman Razzaq ◽  
...  
Keyword(s):  
Regression Analysis ◽  
Rural Areas ◽  
Rural Population ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Factors Affecting ◽  
Evolution Of Technology ◽  
Technological Acceptance Model ◽  
Acceptance Model ◽  
Cultural Effect

Evolution of technology is a swift process, however, its acceptance and adoption in the society is slackened despite its promising results. Internet / mobile banking is a technological way of conducting banking transactions. The purpose of the current study is to find out the affect of various factors effecting successful adoption of internet   / mobile banking using TAM, technological acceptance model in Pakistan, especially rural areas of the country. Results of the current study obtained using regression analysis reveals that the effect of perceived usefulness and security is significant on internet / mobile banking attitude where attitude significantly impact on intentions to use internet / mobile banking. Also due to the cultural effect this modern banking is not compatible with the lifestyle of rural population of Pakistan though the population widely acknowledged its usefulness.

scholarly journals ROLE OF TECHNOLOGY IN FINANCIAL INCLUSION IN INDIA

2021 ◽  
pp. 1-5
Author(s):  
Arun.K.V
Keyword(s):  
Rural Areas ◽  
Financial Services ◽  
Business Models ◽  
Formal System ◽  
Financial Inclusion ◽  
Handheld Devices ◽  
Mobile Banking ◽  
Major Step ◽  
Banking Business

Technology and financial inclusion are the popular coinage in banking parleys in the country. While technological upgradation and mobile banking are catching up so fast, financial inclusion is tardy. Financial inclusion is a major agenda for the Reserve Bank of India (RBI). Without financial inclusion, banks cannot reach the un-banked. It is also a major step towards increasing savings and achieving balanced growth. The reach the country is having with technological progress mobile banking has the potential to emerge as a game changer in terms of costs, convenience, and speed of reach. Business models of banks, telecom operators and other stakeholders need to converge. However, the banking industry’s penetration to un-banked areas is still found sluggish. The role of the Indian banker is challenging. At one end of this spectrum lies the demand to achieve financial inclusion as nearly 50 per cent of the population is yet to be covered under the formal system of banking and at the other end lies the task to fulfil the needs of the existing customers. The first priority for banks is to adopt core banking solution (CBS), including all regional rural banks (RRBs). Next, a multi-channel approach using handheld devices, mobiles, cards, micro-ATMs, branches and kiosks can be used. However, it should be ensured that the transactions put through such front-end devices should be seamlessly integrated with the banks’ CBS. In rural areas, where accessibility is a problem, banks are using the microfinance network and business correspondents and facilitators to bring more people under the ambit of banking services. Capitalising on the huge untapped potential in smaller towns and cities and rendering financial services to this segment of people poses a big challenge. Few banks have explored technology solutions to increase the scale of their microfinance portfolios, with the use of smart cards and core banking solutions. KEYWORDS- Technology, Financial Inclusion, Core Banking, Business Correspondents

scholarly journals Technology Acceptance of QR Code Payment and Its Effective Advertisement Media for Multi-Channel Customers

2021 ◽  
Vol 12 (4) ◽  
pp. 84-91
Author(s):  
Michiko Miyamoto ◽  
◽  
Yuji Kudo
Keyword(s):  
Technology Acceptance ◽  
Survey Data ◽  
Technology Acceptance Model ◽  
Structure Equation ◽  
Qr Code ◽  
Payment Reform ◽  
Actual Usage ◽  
Equation Analysis ◽  
Acceptance Model ◽  
The Relationship

Cash settlement accounts for 80% of entire transaction in Japan. Japanese government has announced the “Payment Reform Declaration,” by setting “the Cashless Vision” with a target of 40% cashless payment ratio by 2025 and aims to achieve the world's highest level of cashless payment ratio of 80% in the future. The purpose of this study is to analyze which media has affected the consumers who use QR code payment, PayPay. This research proposes a framework based on the Technology Acceptance Model (TAM) for an effective advertisement medium by using survey data on PayPay. Structure equation analysis is conducted to measure the relationship between different advertising media and consumers’ intentions to use, as well as actual usage of PayPay.

scholarly journals EARLY STUDY OF TEACHING & LEARNING ADAPTION BY USING MULTIMEDIA IN TEXT LEARNING OF SULALATUS SALATIN

2021 ◽  
Vol 3 (8) ◽  
pp. 167-181
Author(s):  
Nurul Shuhada Abdul Aziz ◽  
Norazimah Zakaria
Keyword(s):  
Technology Acceptance ◽  
Student Attitudes ◽  
Teaching And Learning ◽  
Text Learning ◽  
The Third ◽  
Teacher Skills ◽  
Students Attitudes ◽  
Acceptance Model ◽  
Teaching Learning ◽  
The Relationship

This study aims to examine the use of multimedia in teaching and learning (PdP) Sulalatus Salatin in form six. The objective of this study is to identify the use of multimedia in PdP Sulalatus Salatin in terms of types, tools used, teacher skills, and curriculum needs. The second objective is to study students 'attitudes towards the use of multimedia in Sulalatus Salatin learning and the third to analyze the relationship between multimedia use in PdPc with students' understanding of Sulalatus Salatin text using the Technology Acceptance Model (TAM). The researcher distributed a set of questionnaire questions containing 36 questions that were closed to 30 forms six students at a school in the district of Kuala Kangsar, Perak. The findings show that the main reason for the use of multimedia in PdP Sulalatus Salatin in terms of multimedia type, tools used, teacher skills, and curriculum needs is because the use of LCD screen causes the text to appear larger and clearer with a mean score of 4.433 (sd = 0.8976). For the second objective, the two most dominant student attitudes with a mean score of 4,400 that is with the use of multimedia, writing in the text of Sulalatus Salatin is clearer and easier to read (sd = 0.7701), while students are actively involved during the teaching of Sulalatus Salatin text (sd = 0.8944). Next, for the third objective, the relationship between the use of multimedia with the highest level of students' understanding of Sulalatus Salatin text is that students are easier to read and understand the synopsis on Sulalatus Salatin text with a mean score of 4,600 (sd = 0.6215). In conclusion, this study was implemented to provide exposure to the advantages of multimedia used by teachers while teaching Sulalatus Salatin text in form six.

scholarly journals Socio-Individual Prerequisites of Energy Transition in Iran: Investigating Public Acceptance of Solar Panel Technology in Rural Areas

2021 ◽  
Vol 5 (1) ◽  
Author(s):  
Sara Karimzadeh ◽  
Eva Kašparová
Keyword(s):  
Technology Acceptance ◽  
Rural Areas ◽  
New Technology ◽  
Energy Transition ◽  
Perceived Usefulness ◽  
Mediating Role ◽  
Iranian Government ◽  
Acceptance Model ◽  
Adoption Intention

Iran has inordinate natural capacity to benefit from solar energy all year. Interim plansby the Iranian government have been implemented to develop energy transition in ruralareas, however, the outcomes have not been promising so far. This research seeks toaddress the question of what factors influence villagers’ tendency towards solar panelacceptance for domestic usage. To answer the question, a survey was conducted amongresidents who had not installed the new technology in the survey time. A model basedon the modified framework of the Technology Acceptance Model for energy transitionwas developed and data was collected from the northern part of Iran—Mazandaranprovince. The data revealed that through the mediating role of attitude, the strongesteffect on adoption intention relates to perceived usefulness. The paper discusses whysolar energy technology is not welcomed in the studied community. The findingscontribute to increase our knowledge about underlying factors on the development ofpublic adoption of renewable energies in a developing country.

PATH ANALYSIS BETWEEN CONSTRUCTS OF TECHNOLOGY ACCEPTANCE MODEL (TAM) (A CASE STUDY ON RECEIPT OF VIRTUAL ARMS SOLUTION FTS D - 423 IN INDONESIAN EASTERN FLEET TRAINING COMMAND)

JOURNAL ASRO ◽  
2020 ◽  
Vol 11 (1) ◽  
pp. 101
Author(s):  
Ikhwan Syahtaria ◽  
Ahmadi Ahmadi ◽  
Bambang Suharjo ◽  
Pius Herdasa Krisna Murti
Keyword(s):  
Path Analysis ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Ease Of Use ◽  
Perceived Ease Of Use ◽  
Use Of Technology ◽  
Computer Based ◽  
Acceptance Model ◽  
The Relationship

Indonesian Eastern Fleet Training Command currently has the facilities to train professional soldiers in the shooting.A simulator facility in the form of computer-based clinic shooting is called Virtual Arms Solution FTS D-423 (VAS).Need to analyse the relationship between perceived ease of use and usefulness of VAS in order to determine thelevel of acceptance. Both these factors are modelled by the Technology Acceptance Model (TAM) which canexplain the factors that influence the actual receipt of the use of technology. After that, the relationship between thetwo factors that have been modelled with the Technology Acceptance Model to be treated using Path Analysis(Path Analysis). Where the path analysis was used to analyse the causal relationships between variables in order todetermine the effect of the direct and indirect causes of the variable to a variable result. Based on the analysis anddiscussion, it is obtained as follows that the ease and usefulness of a positive effect on Attitude using VAS positiveeffect on Behavioural Intention using VAS. Behavioural intentions affect the Actual Usage.Keywords: Virtual Arms Solution, Technology Acceptance Model, Path Analysis.

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