scholarly journals Youths’ Perception towards Mobile Driven Financial Inclusion in Gwalior City

2019 ◽  
Vol 8 (4) ◽  
pp. 3033-3039
Keyword(s):  
Mobile Phones ◽  
Financial Services ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Financial Inclusion ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Actual Usage ◽  
Tam Model ◽  
The Status

The need for mobile phones has become inevitable in current world scenario. Mobile phones not only add to the convenience and security but also signify the status symbol. Mobile phones are considered as an opportunity for most of the organization to deliver their services. Banking industry is also facilitating various services via mobile phones. Mobile phones are playing an important role in financial inclusion since large numbers are still unbanked or financially excluded. Mobile banking is center of attraction to the youths. This study attempts to study the perception of the youths towards mobile driven financial inclusion in Gwalior city and to access the factors influencing the use of mobile in financial services in Gwalior City. The study covers the respondents of age group 18-40 years. The study framed the TAM model using the four factor i) Perceived Ease of Use, ii) Perceived Usage, iii) Perceived Usefulness and iv) Actual Usage. The study derived the TAM model sequencing influence perceived ease of use to perceived usage, perceived usage to perceived usefulness and perceived usefulness to actual usage. Although study contains certain limitation still has some implications providing recommendation for the improvement and modification of the mobile banking services and make them more friendly and secure.

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.

scholarly journals Factors Influencing Users’ Behavioral Intention to Reuse Mobile Financial Services in Bangladesh

2020 ◽  
Vol 5 (3) ◽  
pp. 155-169
Author(s):  
Md. Rizvi Khan ◽  
Sirion Chaipoopirutana
Keyword(s):  
Behavioral Intention ◽  
Financial Services ◽  
Behavioral Intentions ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Survey Method ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Factors Influencing ◽  
Mobile Financial Services

Objective – This paper aims to empirically examine the factors influencing the users’ behavioral intention to reuse mobile technology to facilitate their financial services in Bangladesh. Methodology/Technique – A self-administered online survey method was used and 400 responses were collected with Likert-type questions using Google Forms as a medium. A model was developed and proposed based on different technology acceptance models like TAM, UTAUT and similar studies on factors influencing users’ intention to adopt and reuse mobile financial services in Bangladesh. The proposed model was tested by performing simple and multiple linear regression using SPSS software. Findings – The results show that perceived ease of use influences perceived usefulness of mobile financial services but perceived ease of use, perceived usefulness and security have no influence on trust in terms of behavioral intention to reuse mobile financial services in Bangladesh. However, with the exception of trust and perceived financial cost, the remaining variables such as perceived usefulness, perceived ease of use, security, perceived risk, social influence and facilitating conditions significantly influence behavioral intentions to reuse mobile financial services in Bangladesh. Novelty - This study examines crucial factors spotted in literature in the context of Bangladesh. Earlier papers have primarily focused on traditional banking clients’ behavioral intention toward their bank’s mobile banking facilities in Bangladesh. This paper is comprehensively designed to identify influential factors of reusing non-traditional mobile financial services like bKash, Rocket, Nagad etc. at the growth level in the industry of Bangladesh. The researcher tried to identify factors influencing both bank and non-bank users to reuse mobile financial services for their digital transactions. Type of Paper: Empirical. JEL Classification: M31, M39. Keywords: bKash; Bangladesh; Mobile Banking; Behavioral Intentions; Reuse; Mobile Financial Services. Reference to this paper should be made as follows: Khan, M.R; Chaipoopirutana, S. 2020. Factors Influencing Users’ Behavioral Intention to Reuse Mobile Financial Services in Bangladesh, J. Mgt. Mkt. Review 5(3) 155 – 169. https://doi.org/10.35609/jmmr.2020.5.3(4)

scholarly journals Acceptance of Technology by Islamic Boarding School Students Based on the TAM Model

2021 ◽  
Vol 7 (SpecialIssue) ◽  
pp. 194-198
Author(s):  
Nuryanna Nuryanna ◽  
A Halim ◽  
Elmi Mahzum ◽  
Abdul Hamid
Keyword(s):  
Information Technology ◽  
Technology Acceptance ◽  
Strong Relationship ◽  
Boarding Schools ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
School Students ◽  
Actual Usage ◽  
Tam Model

This study aims to determine the acceptance of technology in Islamic boarding schools and their use in terms of physics learning outcomes, it is necessary to conduct research on technology acceptance among Islamic boarding schools. In this study, the acceptance of the technology was measured using the TAM model. Measurements were carried out in several Islamic boarding schools in the Aceh Besar area. The instrument used is a questionnaire on the perception of acceptance of information technology and documentation in the form of students' scores. The results obtained are the perception of students' acceptance of technology consisting of five indicators, namely the perception of PEOU (Perceived Ease of Use), PU (Perceived Usefulness), ATU (Attitude Toward Using), AU (Actual Usage), and B (Behavioral) towards information technology. Towards students tend to be high, and if there is the influence of other variables and not included in the study, so it can be seen that technology acceptance tends to be high. There is a strong relationship between Perceived Ease of Use (PEOU) and Perceived Usefulness (PU), PEOU and Attitude Toward Using (ATU), and Behavioral Intention (B) and Actual Usage (AU)

scholarly journals Analisis Minat Penggunaan Mobile Banking Dengan Pendekatan Technology Acceptance Model (TAM) Yang Telah Dimodifikasi

2017 ◽  
Vol 4 (1) ◽  
pp. 24 ◽  
Author(s):  
Hanif Astika Kurniawati ◽  
Alfi Arif ◽  
Wahyu Agus Winarno
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Tam Model ◽  
External Variables ◽  
Using Data ◽  
Acceptance Model

This study aimed to analyze the factors that may affect students' perceptions about the intention to use mobile bankingapplications to support their daily activities. The research model was developed using a Technology Acceptance Modeldeveloped by Davis (1989), and by including three external variables that experience, complexity, and gander. The researchmodel empirically tested using data from a survey of students at the University of Jember. The sampling method in this studyusing a clustered random sampling. The questionnaire of 120 students who receive offers mobile banking service that qualifiesas a sample analyzed using Structural Equation Modelling (SEM) using AMOS 22.0. The results showed that all constructs inthe original TAM model was statistically significant. On the other hand, gender as external variables in this study had no effecton perceived usefulness and perceived ease of use. The implications of this study are relevant for students who are interested inusing mobile banking in order to better take into account the experience and ease of use. Mobile banking users is expected tobe more confident with using mobile banking can simplify their banking activity.

scholarly journals Factors Affecting Consumer Acceptance of Digital Financial Inclusion; An Anecdotal Evidence from Bogor City

2018 ◽  
Vol 9 (4) ◽  
pp. 1338
Author(s):  
Nevvi Wibella ◽  
Idqan Fahmi ◽  
Imam Teguh Saptono
Keyword(s):  
Ease Of Use ◽  
Perceived Usefulness ◽  
Financial Inclusion ◽  
Consumer Acceptance ◽  
Intention To Use ◽  
Simple Explanation ◽  
Perceived Ease Of Use ◽  
Consumer Interest ◽  
Perceived Credibility ◽  
Tam Model

Various surveys have been conducted over the past few years indicating financial access in Indonesia is still not good. Digital Financial Inclusion (DFI) which is a digital access to use of formal financial services by underserved populations to solve those problems. The success of the DFI services were not only determined by the service provider, but also by the acceptance of the users. The TAM (Technology Acceptance Model) model offers a powerful and simple explanation of the factors that affect user acceptance of a technology. The main purpose of this study was to understanding consumer acceptance of  using DFI which was investigated and measured by several factors through the TAM model ie; perceived usefulness, perceived ease of use, perceived credibility, intention to use, and actual use. The population of this research was conducted in Bogor City because the level of financial inclusion in Bogor City was low but the digital development was quite good. And total sample was 134 respondent.The PLS SEM analysis showed that perceived usefulness has no significant effect (p> 0.05) to intention to use DFI services but perceived ease of use and credibility has significant (p <0.05) and positive effect to consumer interest in using DFI services. Perceived credibility is the most influencing consumer interest in using DFI service because it has the highest coefficient value. The results of this study were expected to improve the development and acceptance of DFI services. 

scholarly journals Mobile Banking: An Innovative Solution for Increasing Financial Inclusion in Sub-Saharan African Countries: Evidence from Nigeria

2020 ◽  
Vol 12 (23) ◽  
pp. 10130
Author(s):  
Alfonso Siano ◽  
Lukman Raimi ◽  
Maria Palazzo ◽  
Mirela Clementina Panait
Keyword(s):  
Social Influence ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Financial Inclusion ◽  
Sub Saharan Africa ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Emerging Trends ◽  
Innovative Solution ◽  
Sub Saharan

Purpose—This research discusses emerging trends in financial inclusion, barriers and factors influencing mobile banking as an innovative solution for increasing financial inclusion in sub-Saharan Africa (SSA) with a specific focus on Nigeria. Design/methodology/approach—Using a qualitative meta-synthesis (QMS), an interpretivist research paradigm, authors provide an analytical tool for understanding the subject of inquiry by integrating findings from previous studies and relevant data from the reports of the Central Bank of Nigeria on emerging trends in financial inclusion. Findings—Three major factors emerged as drivers of mobile banking in Nigeria: (a) the ease of using mobile devices for personal banking transactions including prompt information about users’ financial transactions (savings and withdrawals) immediately through SMS (short message service) alert (easy management of my account); (b) the security/safety concerns of theft and cyber fraud; (c) social influence of friends, relatives, policy makers and social trends. Implications—In contextualizing mobile banking in SSA and in Nigeria in particular, this paper contributes to exploring the growth in the use of mobile banking by linking it with the “value in use” (VIU) perspective. This approach of the service dominant logic involves three sub-constructs (experience, personalization, and relationship), which all validate and support the proposed assertion that mobile banking is adopted by users because of utility expectancy (perceived usefulness), effort expectancy (perceived ease of use), and social influence expectancy (opinions of friends/relatives). Originality/value—This research, although qualitative in nature, validates information technology (IT) adoption theories/perspectives and enriches the “value in use” approach.

Extending the TAM Model: Intention of Management Students to Use Mobile Banking: Evidence from India

2017 ◽  
Vol 18 (1) ◽  
pp. 238-249 ◽  
Author(s):  
V.V. Ravi Kumar ◽  
Anurag Lall ◽  
Tanmay Mane
Keyword(s):  
New Technology ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Banking Services ◽  
Tam Model ◽  
Management Students

The educated youth in India have adapted well to technology and technology-based solutions. Much of it has been attributed to the increased usage of computers, Internet and the smartphones among the educated youth in India. It becomes a useful and important exercise, therefore, to study their attitude towards new technology-based products and services in view of the fact that this segment has a requirement for utilizing banking services for at least the next 30 years. Banking has been one industry which has been in the forefront in offering technology-based delivery channels like ATM, Internet banking and mobile banking. This article studies the underlying factors influencing management students in their intention to use mobile banking. The study utilizes two constructs of the technology adoption model and then extends it further to include two additional constructs. The results suggest that perceived usefulness and perceived ease of use, social influence and trust propensity are the underlying factors in respect of the behavioural intention to use mobile banking services.

scholarly journals Influencing Factors on the Actual Usage of Mobile Phone Banking in the Shari'ah Banks: A Survey in Palembang City, Indonesia

2019 ◽  
Vol 7 (1) ◽  
pp. 001
Author(s):  
Chandra Zaki Maulana ◽  
Yuyus Suryana ◽  
Dwi Kartini ◽  
Erie Febrian
Keyword(s):  
Social Influence ◽  
Mobile Phone ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Primary Data ◽  
Mobile Banking ◽  
System Quality ◽  
Perceived Ease Of Use ◽  
Independent Variables ◽  
Actual Usage

This research was developed from a study conducted by Talukder, Quazi and Sathye in 2014 whom were tried to discover mobile phone banking usage behavior of banks customers in Canberra, Australia. A research model was set to find the relationship between independent and dependent variables. Independent variables consisted of five variables, namely, Perceived Usefulness (PU), Perceived Ease of Use (PEU), Trust (T), Social Influence (SI) and System Quality (SQ), whilst the dependent variable is Actual Usage (AU) of Mobile banking in the Shari’ah banks. Thus, making this research a multiple regression analysis. A survey was conducted by distributing questionnaires to gather primary data from 126 respondents of Shari’ah banks customers in Palembang City, South Sumatra Province, Indonesia. The findings show evidence that there are positive and significant relationship between all independent variables and the dependent variable. As such variable with the highest impact is PEU (30,3%) whilst the lowest is SI (18%) meaning that perceived ease of use amongst customers of Shari’ah banks in Palembang City gave the highest impact on their actual usage of mobile banking, compared to social influence, which is lower. Therefore, it is recommended that Shari’ah banks in this city should consider to put more attention in to providing their customers with a mobile banking application which is easy to use as well as keeping it up to date with the needs of the customers. As an implication to the providers, financial institutions can capitalize on the finding of this research to enhance the ease of use of their application on mobile banking.

scholarly journals Students Acceptance of Google Classroom: An Exploratory Study using PLS-SEM Approach

2018 ◽  
Vol 13 (06) ◽  
pp. 112 ◽  
Author(s):  
Rana A. Saeed Al-Maroof ◽  
Mostafa Al-Emran
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Equation Model ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Perceived Ease Of Use ◽  
Online Questionnaire ◽  
Actual Usage

Google classroom can work in unidirectional process as it can serve the teachers’ strategies and styles on one hand and students’ perception, understanding, and effective participation in different classroom skills on the other hand. The ac-ceptance of Google classroom is affected by different factors. Some of them are still not clearly specified and discussed in previous research; therefore, they need further investigation. Based on the previous assumption, this study is an attempt to examine the factors that affect the students’ acceptance of Google classroom at Al Buraimi University College (BUC) in Oman. The Technology Acceptance Model (TAM) was adopted to formulate the hypotheses of the current study. The data was collected through an online questionnaire with 337 respondents. The Partial Least Square-Structural Equation Model (PLS-SEM) approach was used to assess both the measurement and structural models. The results of the study prove that both the perceived ease of use (PEOU) and perceived usefulness (PU) positively influence the behavioral intention, which in turn influence the actual usage of Google classrooms. This study helps the decision makers of the higher educational institutions to have a better understanding of the effectiveness of us-ing Google classroom by their students. It is assumed that it helps in measuring the level of students’ acceptance to the previously mentioned technology.

scholarly journals The Determinants of User Behavior of Computer Based Transaction Processing Systems: The Case of Minimarket Employees in Padang, Indonesia

2018 ◽  
Vol 7 (4.9) ◽  
pp. 90
Author(s):  
Yuhelmi . ◽  
Surya Dharma ◽  
Mery Trianita ◽  
Listiana Sri Mulatsih
Keyword(s):  
Technology Acceptance ◽  
Processing System ◽  
Subjective Norm ◽  
Transaction Processing ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Tam Model ◽  
Actual Use ◽  
Computer Based

This study was aimed to investigate the determinants of actual use of computer based transaction processing system among employees in minimarkets in Padang, Indonesia. In addition to Perceived ease of use and perceived usefulness which are the basic models of Technology Acceptance Model (TAM), Subjective norm was conceptualized as an external variable that affecting Technology Acceptance among users of transaction processing system. In total, 246 employees participated in this study. The results show that the perceived ease of use positively affects Perceived Usefulness and Attitude. Furthermore, perceived usefulness and subjective norm have positively affected on Attitude. Likewise Attitude has positively affected on Actual Use. This study reveals that employees tend to comply the peers’ opinion on using transaction processing system. For future research is expected to expand the TAM model by adding external variables and individual characteristics as a moderator variable  

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