scholarly journals Benefit and Sacrifice Factors Determining Internet Banking Adoption in Iraqi Kurdistan Region

2019 ◽  
pp. 1-2o
Author(s):  
Ashty Rasull ◽  
Amer Hamzah Jantan ◽  
Mass Hareeza Ali ◽  
Nor Siah Jaharudin ◽  
Zurain Dato Mansor
Keyword(s):  
Perceived Risk ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Behavioural Intention ◽  
Intention To Use ◽  
System Quality ◽  
Kurdistan Region ◽  
Perceived Ease Of Use ◽  
Iraqi Kurdistan

Internet banking experience varies across different situations in various countries and, in turn, generate dissimilar attitudes and behaviours of banking customers. One region that is experiencing difficulties related to Internet banking and where bank managers remain unsuccessful in persuading bank customers to adopt Internet banking is Iraqi Kurdistan Region (IKR). To enhance the extant knowledge of the reasons behind this issue, the current research focused on identifying the determinants of Internet banking adoption in IKR and sought to investigate the effect of benefit factors (perceived usefulness, perceived ease of use, and perceived system quality) and sacrifice factors (perceived cost and perceived risk) on behavioural intention to use and, in turn, actual use of internet banking in IKR. To achieve this aim, this research conceptualized a model inspired by Technology Acceptance Model (TAM). The study conducted a quantitative approach and used a self-administrated questionnaire as the research instrument. Data were collected from 412 respondents. Structural Equations Modelling (SEM) was applied as the suitable inferential analytical method for analysing the data. The results generated revealed the significant role of perceived usefulness, perceived ease of use, perceived system quality and perceived risk on behavioural intention to use Internet banking. This research theoretically and practically contributed to knowledge through clarifying the perception of bank customers toward adopting Internet banking in IKR and revealing the importance of benefit and sacrifice factors in explaining behavioural intention to use Internet banking. Keywords: Benefit Factors, Sacrifice Factors, Internet Banking Adoption.

Mobile payment adoption process: a serial of multiple mediation and moderation analysis

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Wanny Oentoro
Keyword(s):  
Social Influence ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Multiple Mediation ◽  
Content Type ◽  
The Relationship

Purpose Global digital payment transactions increase continuously. Due to the inconsistencies that occurred across the research findings, past researchers have called for further investigation to verify and empirically test the mobile payment acceptance model. The purpose of this paper is to develop an integrative model that is derived from the multiple technology acceptance models (TAM)’s a theoretical framework and past literature to understand how consumers decided to adopt mobile payment. By simultaneously testing mechanisms, namely, ease of use, usefulness and risk, the current study will be able to advance scholarly knowledge of the underlying consumer’s attitude and behavior that link social influence to intention to use. Design/methodology/approach A total of 370 valid responses were collected using self-administered questionnaires distributed via online platforms, a representative for Thai consumers. An ordinary least square regression and bootstrap analyzes were conducted through PROCESS Macro to analyze the moderated serial-multiple mediation model in the consecutive inducing of social influence, perceived ease of use, perceived usefulness and perceived risk toward the consumer’s intention to use mobile payment. Findings Within the context of consumers evaluating a mobile payment, statistics significant were found for the hypothesized direct and indirect effects of perceived ease of use and perceived usefulness on an intention to use. The results showed that Thai consumers’ intention to use mobile payment was significantly affected by their attitudes in terms of usefulness and the less complication in using the applications. It is confirmed that social influence indirectly affects intention to use via the increase of perceived ease of use and perceived usefulness. The study also found a significant interaction between perceived risk and perceived usefulness toward intention to use. Practical implications It is recommended to service providers to continue improving the user-friendliness, navigation, integrity and furnish the system with more value-added activities within the mobile payment application. It is also essential for the company to deliver tutorials and clear and easy-to-follow instructions to customers. At the same time, the marketer should develop marketing strategies to promote the usefulness and simplicity of using the applications to the consumers. When consumers experienced the easiness and usefulness of the applications, these could overcome the resistance feeling to use due to the concern on any potential risk. Originality/value The study contributes to the existing body of knowledge on consumer usage behavior and TAM by integrating all important variables and developed a parsimony framework to explain consumers’ usage adoption on mobile payment. Moreover, the current study was the very first that proposed and tested a serial of multiple mediations of perceived ease of use and perceived usefulness, moderated by perceived risk, in the relationship between social influence and consumers’ intention to use mobile payment and discovered a moderating role of perceived risk toward the relationship between perceived usefulness and mobile payment usage intention.

Customers’ Perspectives of Internet Banking Adoption in Developing Economies

2014 ◽  
pp. 191-205
Author(s):  
G. Varaprasad ◽  
R. Sridharan ◽  
Anandakuttan B. Unnithan
Keyword(s):  
Perceived Risk ◽  
Service Sector ◽  
Banking Sector ◽  
Developing Economies ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Relative Advantage ◽  
Perceived Ease Of Use ◽  
Customer Base

The competition in the banking sector has increased dramatically from the past decade. This increased competition environment in the financial service sector has resulted in the development and utilization of alternative delivery channels. The advancements and revolutions in the communication and information technology have changed the functional scenario of the banking sector significantly. Internet banking is a novel delivery channel of banking and has been found to be an optional channel for the traditional banking because of the savings in time, money and effort. Banks have become more and more competitive to meet the customers demand for ease of use, functionality, relative advantage, greater accessibility and the best of the services at a lower price. The objective of this study is to investigate the factors which influence the adoption of Internet banking adoption in private sector banks of India. Factors such as perceived usefulness, perceived ease of use, perceived risk, relative advantage and trialability have been found to be the determinants of Internet banking in the previous studies. A new variable called conspicuousness has been introduced in the present study. Such a study has not been reported in the literature in the Indian context. A model has been proposed and tested using various statistical techniques. The findings are of great use primarily for the banks which are planning to offer Internet banking services, and for already existing banks to focus on the gaps. This research article provides valuable insights into the underlying contextual factors of Internet banking behavior for researchers and practitioners. The outcome of the study can be used to formulate new marketing strategies to increase the customer base of Internet banking market.

Electronic Tax Filing

2013 ◽  
pp. 147-156
Author(s):  
Viveka Ramoo ◽  
T. Ramayah ◽  
May-Chiun Lo ◽  
Teoh Ai Ping
Keyword(s):  
Perceived Risk ◽  
Exploratory Study ◽  
Explanatory Power ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
The Internet ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Government Services ◽  
Tax Filing

Governments are seeking to benefit from information technology by incorporating various government services online for the benefits of the citizen. The Malaysian government as part of its Multimedia Super Corridor (MSC) project introduced e-filing in 2006, which is the process of filing taxes using the Internet as one of the e-government services. This is an exploratory study to model the determinants of intention to use an Internet tax filing system. The authors used 4 variables as predictors or intention to use which were perceived usefulness, perceived ease of use, perceived risk, and facilitating condition. Data was collected from 100 respondents using non probability purposive sampling via a structured questionnaire. As hypothesized, perceived ease of use, perceived usefulness, and facilitating condition were positively related to intention to use. The findings show that perceived usefulness has the strongest influence on intention to use (ß = 0.341), followed by perceived ease of use (ß = 0.278) and facilitating condition (ß = 0.234). As hypothesized, perceived risk was negatively related (ß =-0.223) to intention to use indicating that users are concerned by the risk involved in filing taxes online. The regression results show that the four variables can explain 52.2% of the variation in intention to use which indicates good explanatory power. Understanding these factors can extend the knowledge, which can lead to better planning and implementation of e-Filing in Malaysia.

scholarly journals Behavioural Intention Factors Influencing Sharing Economy Innovations: An Exploratory Research of Uber in South Africa

Metamorphosis ◽  
2020 ◽  
Vol 19 (1) ◽  
pp. 42-58
Author(s):  
Lemohang Molobi ◽  
Sajal Kabiraj ◽  
Md. Nur Alam Siddik
Keyword(s):  
South Africa ◽  
Technology Acceptance ◽  
Perceived Risk ◽  
Negative Impact ◽  
Sharing Economy ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Behavioural Intention ◽  
Intention To Use ◽  
Exploratory Research

This research explores factors associated with the use of the Uber application, a successful sharing economy innovation, in South Africa. The exploratory research adapted a technology acceptance model with two other factors, perceived risks and company characteristics on behavioural intention to utilize Uber. Using a survey data of 396 respondents, this research empirically finds that ease of use, company characteristics, attitude, perceived usefulness, and level of education have significant positive impacts on behavioural intention to use Uber applications. Meanwhile, gender and age groups have negative impacts on behavioural intention. Furthermore, the study found that perceived risk has a negative impact on behavioural intention to use Uber. The research findings are of significance for management on how user insights can be applied to take advantage of new prospects to innovate and to expand their businesses and for policymakers on how to seize the opportunities presented by such innovation and develop appropriate policy frameworks.

scholarly journals Citizen Perceptions of E-Government in the Kurdistan Region of Iraq

2015 ◽  
Vol 19 ◽  
Author(s):  
Khosro Mohammad Ahmed ◽  
John Campbell
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Information Quality ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Capital City ◽  
Intention To Use ◽  
Kurdistan Region ◽  
Government Services ◽  
Self Rule

Despite increasing investment by governments globally, citizens in some countries are less willing to engage with e-government innovations. While previous studies have examined what might encourage citizens to adopt e-government services more broadly, further research is required to understand those factors that impede or enable e government adoption in countries that have, or are in the process of, transitioning to democratic self-rule. This study is the first to investigate citizen attitudes to e-government adoption in the Kurdistan Region of Iraq and thus provides insight into the factors affecting the adoption of e-government within an emerging democratic state. This study also distinguishes between two types of e-government services; informational and transactional. Thus a research model with two elements is developed and tested; one for intention to use informational e government and one for intention to use transactional e-government. Data were collected through a survey administered to university students and non-academic employees in Arbil the capital city of Kurdistan, and analysed using structural equation modelling. Perceived usefulness, social influence, trust in government and perceived risk were found to be significantly and directly associated with the intention to use both kinds of e-government services. However perceptions of ease of use, information quality and trust in the Internet were not significant.

scholarly journals Analysis of the technology acceptance model in examining students' behavioural intention to use an e-portfolio system

2011 ◽  
Vol 27 (4) ◽  
Author(s):  
Ronnie H. Shroff ◽  
Christopher C. Deneen ◽  
Eugenia M. W. Ng
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Significant Influence ◽  
Individual Characteristics ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Behavioural Intention ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Acceptance Model

<span>In recent years, instructors have had an increasing interest in integrating Internet based technologies into their classroom as part of the learning environment. Compared to studies on other information systems, student users' behaviour towards e-portfolios have not been assessed and thoroughly understood. This paper analyses the Technology Acceptance Model (TAM) in order to examine students' behavioural intention to use an electronic portfolio system, meaning how students use and appropriate it within the specific framework of a course. An E-Portfolio Usage Questionnaire was developed using existing scales from prior TAM instruments and modified where appropriate. Seventy-two participants completed the survey questionnaire measuring their responses to perceived usefulness (PU), perceived ease of use (PEOU), attitudes towards usage (ATU) and behavioural intention to use (BIU) the e-portfolio system. The results of the study indicated that students' perceived ease of use (PEOU) had a significant influence on attitude towards usage (ATU). Subsequently, perceived ease of use (PEOU) had the strongest significant influence on perceived usefulness (PU). The research further demonstrated that individual characteristics and technological factors may have a significant influence on instructors to adopt e-portfolio into their courses. Results suggest that TAM is a solid theoretical model where its validity can extend to an e-portfolio context.</span>

Conceptual Model on Internet Banking Acceptance in China with Social Network Influence

2021 ◽  
Vol 5 (2) ◽  
Author(s):  
Guo Yi ◽  
Norziha Megat Mohd. Zainuddin ◽  
Nur Azaliah Bt Abu Bakar
Keyword(s):  
Social Network ◽  
Social Influence ◽  
Technology Acceptance ◽  
Structured Interview ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Behavioural Intention ◽  
Perceived Ease Of Use ◽  
Social Network Influence

The Internet of Things and Industry 4.0 is changing the way we live including Internet Banking. Although, the government has been encouraging, the acceptance of internet banking is still not well received by Chinese customers. The reason is because they are more concerned about the economic development on the banking industry, and less concerned about technology acceptance and its development. This lack of acceptance is also attributed to the current lack of social network influence to internet banking which including its weak compliance, lack of identification, and lack of internalization. This paper aims to identify the factors that may be influencing IB acceptance by proposing a model which can determine customer’s behavioural intention based on social network influence. The TAM, UTAUT and the Social Influence Theory (SIT) were simultaneously adopted for this study. It is to use the TAM model’s perceived ease of use and perceived usefulness, the UTAUT model’s social influence, and the SIT’s compliance, identification and internalization factor for the analysis. For this purpose, a preliminary study was first administered so as to identify customers’ attitude of the IB acceptance. Thirty respondents were recruited for a structured interview. The behavioural intention and social network influence on internet banking in China was then examined with the proposed model. It appears that the model can be used to forecast Chinese customers’ acceptance of internet banking. It will give benefits to bank and society on paying attention to the influence of social network for internet banking in China.

scholarly journals Factors affecting intention to use e-banking in Jordan

2019 ◽  
Vol 38 (1) ◽  
pp. 86-112 ◽  
Author(s):  
Abdel Latef M. Anouze ◽  
Ahmed S. Alamro
Keyword(s):  
Customer Value ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Cross Sectional Survey ◽  
Cross Sectional ◽  
Content Type ◽  
Factors Affecting

Purpose Despite the wide availability of internet banking, levels of intention to use such facilities remain variable between countries. The purpose of this paper is to focus on e-banking in a country with low intention to use e-banking – Jordan – and to explain the slow uptake. Design/methodology/approach A quantitative method employing a cross-sectional survey was used as an appropriate way of meeting the research objectives. The survey was distributed to bank customers in Amman, Jordan, collecting a total of 328 completed questionnaires. SPSS and AMOS software were used, and multiple regression and artificial neural networks were applied to determine the relative impact and importance of e-banking predictors. Findings The statistical techniques revealed that several major factors, including perceived ease of use, perceived usefulness, security and reasonable price, stand out as the barriers to intention to use e-banking services in Jordan. Originality/value This study theorizes a series of implications on intention to use e-banking. It draws the attention of Jordanian banks to the full functionality of their e-banking systems, emphasizing positive safety features, which could contribute to changing negative customer perceptions. It also contributes to eliciting the theory of customer value among banks by focusing on how they should properly enhance their use of shared value. Moreover, it will present to managers how e-banking predictors can send meaningful and timely information to customers.

Sign in / Sign up

Export Citation Format

Share Document