scholarly journals Mobile Banking Adoption Among Rural Consumers: Evidence from India

2020 ◽  
Vol 23 (2) ◽  
pp. 300-315
Author(s):  
Malaya Ranjan Mohapatra ◽  
Nirmalkumar Singh Moirangthem ◽  
Pankaj Vishwakarma
Keyword(s):  
Low Income ◽  
Perceived Risk ◽  
Banking System ◽  
Financial Inclusion ◽  
Unified Theory ◽  
Mobile Banking ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Convenience Sampling ◽  
Facilitating Conditions

Recently, Financial Inclusion has received greater attention, as it is a key to economic growth and equality, growth of the business, and stability of financial and banking systems. In the process of understanding how technology is useful for financial inclusion, the study tries to understand the elements that prompt the perceived acceptability of mobile banking among the low income and low literate stratum. To explore these elements, the current piece of work utilized the Unified theory of acceptance and use of technology and with the addition of component of perceived risk. The research utilized convenience sampling to collect data from the respondents having Jan Dhan account. The results show that performance expectancy, effort expectancy, social influence, and perceived risk have a significant influence on intention to use mobile banking among financial inclusion stratum. Surprisingly, the facilitating conditions were found insignificant. The outcomes of the research can guide banks and technology houses to develop a more user-acceptable mobile banking system. Also, the outcome will help policymakers to enhance mobile banking system adoption for financial inclusion by considering influencing elements.

Modeling the Factors that Influence Ghanaian Entrepreneurs to Adopt e-Commerce

2021 ◽  
Vol 18 (06) ◽  
Author(s):  
Frederick Pobee
Keyword(s):  
Structural Equation ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Unified Theory ◽  
Cross Sectional ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Facilitating Conditions

This study investigated the factors that influence Ghanaian entrepreneurs to adopt e-commerce. Cross-sectional data was gathered from 520 entrepreneurs in the most populous and industrious regions in Ghana. The unified theory of acceptance and use of technology (UTAUT) was employed to effectively understand the unexplored phenomenon of e-commerce adoption among Ghanaian entrepreneurs. Partial Least Square-Structural Equation Modeling (PLS-SEM) was used to test the hypothesized relationships. The findings indicate that performance expectancy, effort expectancy, and social influence (SI) positively and significantly influenced the behavioral intention (BI) to adopt e-commerce. Facilitating conditions (FC) and BI had a significant positive relationship with the adoption of e-commerce.

Determinants of Consumer Intention to Use Online Gambling Services

2016 ◽  
Vol 12 (4) ◽  
pp. 23-37 ◽  
Author(s):  
Nuno Fortes ◽  
António Carrizo Moreira ◽  
João Saraiva
Keyword(s):  
Perceived Risk ◽  
Online Survey ◽  
Online Gambling ◽  
Intention To Use ◽  
Unified Theory ◽  
Convenience Sample ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Usage Behavior ◽  
Facilitating Conditions

Online gambling has skyrocketed in recent years. As such, knowing the determinants of consumer usage behavior is crucial in understanding online gambling services. This study has as main objective the construction of an explanatory model of the online gambling services usage behavior, based on the incorporation of perceived risk in the conceptual framework of the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2). The empirical validation of the model was performed by conducting an online survey to a convenience sample of 212 Portuguese online players. Data were processed using the PLS-SEM methodology. The results evidence that performance expectancy, social influence, facilitating conditions, hedonic motivations, price value, habits, as well as perceived risk influence the intention to use online gambling services.

scholarly journals Students' Acceptance to Self-Archive in Institutional Repositories towards a Unified View

2017 ◽  
pp. 89-101
Author(s):  
Fatin Amirah Amirah Masrich ◽  
Noraisah Dili ◽  
Umi Amneezatun Hamzah ◽  
Malisa Muhammed ◽  
Nurafida Aidi ◽  
...  
Keyword(s):  
Social Influence ◽  
Higher Learning ◽  
Institutional Repositories ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Unified View ◽  
Convenience Sampling ◽  
Facilitating Conditions ◽  
Self Administered Questionnaire

This paper aims to examine the students' acceptance on using self-archive in open access repositories guiding by the Unified Theory of Acceptance and Use of Technology (UTAUT) model. This paper utilized convenience sampling method, with a total of 204 sets of self-administered questionnaire collected among the students of public higher learning institution in Federal Territory of Labuan, Malaysia. Multiple regressions were performed to examine the relationships between performance expectancy, effort expectancy, social influence, and facilitating conditions towards the intention to use self-archive in institutional repository. The findings revealed that the students behavioural attention on the acceptance of using self-archive in repository were positively influence by social influence and facilitating condition. The repository administrators shall increase the efforts to enhance the quality of the repository as well as encouraging students' interest to use the service.

scholarly journals ANALISIS PENERIMAAN PENGGUNA SISTEM INFORMASI PERPUSTAKAAN DAN ARSIP DAERAH KABUPATEN BULELENG MENGGUNAKAN MODEL UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY (UTAUT)

2019 ◽  
Vol 8 (2) ◽  
pp. 394
Author(s):  
Nita Rianadewi ◽  
Dewa Gede Hendra Divayana ◽  
I Made Ardwi Pradnyana
Keyword(s):  
Social Influence ◽  
Behavioral Intention ◽  
Unified Theory ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Facilitating Conditions ◽  
Use Behavior

Sistem Informasi Perpustakaan dan Arsip (SIPA) adalah sebuah website yang dikembangkan oleh perpustakaan daerah di kabupaten Buleleng sebagai alternative dalam mendukung pengelolaan dan mempermudah pengguna. Penelitian ini bertujuan untuk menganalisis pemanfaatan Sistem Informasi Perpustakaan dan Arsip (SIPA) di Kabupaten Buleleng dengan berdasarkan menggunakan Model Unified Theory Of Acceptance and Use Of Technology (UTAUT) dengan menggunakan empat variabel bebas yakni  performance expectancy,  effort expectancy, social influence dan  facilitating conditions sebagai variable bebas dengan  behavioral intention dan use behavior sebagai variable terikat dan variable moderator Age, Gender dan experience. Variabel Ekpektansi Kinerja dan variabel Ekspektasi usaha tidak berpengaruh positif terhadap  minat penggunaan Sistem Informasi Perpustakaan. Pengaruh sosial berpengaruh positif terhadap minat penggunaan, Kondisi yang memfasilitasi berpengaruh positif terhadap perilaku penggunaan Sistem Informasi Perpustakaan, Variabel moderator jenis kelamin tidak memperkuat hubungan antara ekspektasi kinerja, ekspektansi usaha dan pengaruh sosial terhadap minat penggunaan Sistem Informasi Perpustakaan. Variabel moderator umur tidak memperkuat hubungan antara ekspektasi kinerja, ekspektansi usaha dan pengaruh sosial dengan minat penggunaan.Variabel moderator  umur  memperkuat hubungan antara  kondisi yang memfasilitasi  dengan  perilaku pengguna, variable moderator pengalaman memperkuat hubungan antara pengaruh sosial terhadap minat penggunaan Sistem Informasi Perpustakaan, variable moderator pengalaman memperkuat hubungan antara kondisi yang memfasilitasi terhadap perilaku pengguna Sistem Informasi Perpustakaan.  Kata Kunci :  Sistem Informasi Perpustakaan,  Ekspektansi Kinerja, Ekspektansi Usaha, Pengaruh Sosial, Kondisi Pemfasilitasi, Minat Penggunaan,  Perilaku pengguna, UTAUT

What determines tourist adoption of smartphone apps?

2018 ◽  
Vol 9 (1) ◽  
pp. 50-64 ◽  
Author(s):  
Anil Gupta ◽  
Nikita Dogra ◽  
Babu George
Keyword(s):  
Perceived Risk ◽  
Smartphone Apps ◽  
Content Type ◽  
Factors Affecting ◽  
Perceived Trust ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Usage Behavior ◽  
Facilitating Conditions ◽  
Practical Implications

Purpose This study aims to identify factors affecting tourists’ intention of using travel apps installed in their smartphones. Design/methodology/approach A questionnaire was developed largely based on the available scales in the published literature. A total of 389 participants responded to the survey, out of which 343 valid responses were obtained for statistical analysis. Findings Significant predictors of smartphone app usage intention included performance expectancy, social influence, price saving, perceived risk, perceived trust and prior usage habits. Usage behavior was largely mediated by usage intention, except in the case of habits. Contrary to the expectation, factors such as hedonistic motivation, facilitating conditions or effort expectancy did not impact usage intention or behavior. Practical implications The study gives app developers vital cues on tourist expectations from the apps. Oftentimes, developers tend to focus entirely on the material utility of their apps, neglecting every other factor influencing use. One particular implication is that despite tourism being a hedonistic activity, travel app usage behavior is not a hedonistic activity. Originality/value This is one of the few studies to examine adoption of smartphone travel apps in an emerging economy context by using extended unified theory of acceptance and use of technology framework with additional constructs.

scholarly journals Analisis Penerimaan dan Penggunaan Transportasi Online di Kalangan Pelajar (Studi Kasus: SMA di Kecamatan Blimbing, Kota Malang)

2021 ◽  
Vol 15 (2) ◽  
pp. 1
Author(s):  
Geraldo James Sahertian ◽  
Addin Aditya ◽  
Siti Aminah
Keyword(s):  
Social Influence ◽  
Behavioral Intention ◽  
Unified Theory ◽  
Transportation Services ◽  
Purposive Sampling ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Facilitating Conditions ◽  
Use Behavior

Penggunaan telepon pintar atau smartphone di Indonesia, dan di dukung oleh kemajuan teknologi informasi yang semakin pesat, berkembanglah transportasi  berbasis online atau biasa disebut ojek online. Ojek online  memberikan akses kemudahan bagi masyarakat dan pelajar yang menggunakan aplikasi tersebut, dengan melakukan transaksi pemesanan melalui aplikasi maka ojek tersebut akan datang. Namun berdasarkan informasi dari TribunJatim News yang di dapatkan bahwa ojek online mengalami kenaikan yang cukup signifikan, yang membuat sebagian masyarakat khususnya kalangan pelajar mengeluh akan kebijakan tarif yang diberlakukan mulai Agustus 2019, maka dari itu diperlukan adanya analisis untuk melihat bagaimana kalangan pelajar menerima dan menggunakan layanan transportasi online tersebut. Penelitian ini bertujuan untuk mengetahui bagaimana penerimaan dan penggunaan terhadap layanan transportasi online GOJEK, di kalangan pelajar SMA Kecamatan Blimbing Kabupaten Malang Jumlah sampel yang diambil sebanyak 160. Penelitian ini menggunakan model Unified Theory Of Acceptance and use of Technology (UTAUT) dengan variabel behavioral intention dan use behavior sebagai variabel dependen dan menggunakan variabel indenpenden yaitu performance excpectancy, effort expectancy, social influence, dan facilitating conditions. Metode yang digunakan pada penelitian ini dengan penyebaran kuesioner menggunakan teknik sampling purposive sampling. Untuk pengelohan data, menggunakan program SPSS untuk menguji instrument penelitian dan model penelitian. Hasil yang didapatkan dari penelitian ini adalah penerimaan dan penggunaan dikalangan pelajar terhadap layanan terhadap layanan transportasi online dipengaruhi oleh faktor social influence, facilitating conditions, behavioral intention, use behavior, sedangkan faktor performance expectancy dan effort excpectancy tidak menggunakan layanan transportasi online. The use of smartphones or smartphones in Indonesia, and supported by increasingly rapid advances in information technology, has developed-based transportation online or commonly known as motorcycle taxis  online. taxis Online provide easy access for people and students who use the application, motorcycle by making an order transaction through the application, the ojek will come. However, based on information from TribunJatim News, it was obtained that motorcycle taxis online have increased quite significantly, which made some people, especially students complain about the tariff policy that was implemented starting in August 2019, therefore an analysis is needed to see how students receive and use the service.transportation online . This study aims to determine how the acceptance and use of transportation services online GOJEK, among high school students in Blimbing District, Malang Regency. The number of samples taken is 160. This study uses the Unified Theory of Acceptance and use of Technology (UTAUT) model with variables. behavioral intention and  use behavior as the dependent variable and using independent variables, namely performance expectancy, effort expectancy, social influence, and facilitating conditions. The method used in this study by distributing questionnaires using purposive sampling technique. For data collection, use the SPSS program to test research instruments and research models. The results obtained from this study are that acceptance and use among students of transportation services is online influenced by social influences, facilitating conditions, behavioral intention, use behavior, while performance expectancy expectancy and  effort factors do not use transportation services online.

scholarly journals Analisis Tingkat Penerimaan Dan Penggunaan Aplikasi Evaluasi PBM Menggunakan Model UTAUT (Unified Theory of Acceptance and Use of Technology) yang Diperluas Di Universitas Negeri Padang

2018 ◽  
Vol 6 (1) ◽  
Author(s):  
Suci Indah Kemala Dewi ◽  
Denny Kurniadi ◽  
Titi Sriwahyuni
Keyword(s):  
Online Learning ◽  
Social Influence ◽  
Evaluation System ◽  
Unified Theory ◽  
State University ◽  
Performance Expectancy ◽  
Learning Evaluation ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Facilitating Conditions

Padang state university is one of the universities that provide the academicians with information system in order to make them easier when looking for information that they need. One of the information systems is online learning evaluation system. The aim of this research is examining some factors that impacting the acceptance and the usage of online learning evaluation system interest by using Venkatesh's model (2003) that is Unified Theory of Acceptance and Use of Technology (UTAUT). Variables that used are: performance expectancy, effort expectancy, social influence, facilitating condition and hedonic motivation. The result of the data analysis shows that the variables of performance expectancy, effort expectancy, social influence, facilitating conditions and hedonic motivation together have a significant effect of 67% on the interest of acceptance and use of Online Learning Evaluation Information System at State University of Padang. So it can be concluded that the factors of performance expectancy, effort expectancy, social influence, facilitating conditions and hedonic motivation have contributed to the interest of acceptance and use of the system. If each variable has a higher correlation it will increase the acceptance of Information Systems Online Learning Evaluation at State University of Padang.Keywords: Unified Theory Of Acceptance And Use Of Technology (UTAUT), performance Expectancy, Effort Ecpectancy, Social Influence, Facilitating Conditions, Hedonic Motivation, Online Learning Evaluation

scholarly journals UNIFIED THEORY OF ACCEPTANCE USE OF TECHNOLOGY (UTAUT) AND ITS APPLICABILITY TO MORTGAGE BANKING DIGITIZATION: THE CASE OF THE PHILIPPINES

2019 ◽  
Vol 4 (14) ◽  
pp. 47-60
Author(s):  
Dave T. Morales ◽  
Fernando L. Trinidad
Keyword(s):  
Behavioral Intentions ◽  
The Philippines ◽  
Innovative Technology ◽  
Unified Theory ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Facilitating Conditions ◽  
The Impact ◽  
The Way

The advent of technology has influenced the way banks should conduct their business. People are becoming more conscious, more discerning and more critical with the way how businesses should provide efficient, fast, and convenient access to their products and services. And banks are not exempted from these expectations. There has been a steady surge of innovative technology that will help banks deliver more efficient services through digitization. This study was conducted to investigate the determinants of the behavioral intentions on the acceptability of the bank’s digital mortgage service from the perspective of 250 mortgage clients who are current or prospective users of digital mortgage service. The study was anchored from the Unified Theory of Acceptance Use of Technology (UTAUT). The research has found that the determinants of behavioral intention to accept digital mortgage device among mortgage clients were facilitating conditions, performance expectancy and effort expectancy. It was also revealed that based on the standardized beta coefficients, facilitating conditions (0.405), performance expectancy (0.383) and effort expectancy (0.134) had a significant influence on bank mortgage clients’ behavioral intentions to accept digital mortgage service. Additionally, it was also proven that the age, education, computer knowledge and internet knowledge of the mortgage clients moderate the impact of the three determinants: performance expectancy, effort expectancy and social influence on clients’ digital mortgage service acceptance. Lastly, it can be concluded that performance expectancy is directly related to internet time, frequency of product purchase using a mobile device and use of mobile banking.

scholarly journals A STUDY OF THE USE BEHAVIOR OF LINE TODAY IN TAIWAN BASED ON THE UTAUT2 MODEL

2021 ◽  
Vol 61 (6) ◽  
Author(s):  
Lisa Y. Chen ◽  
Yi-Jhen Chen
Keyword(s):  
Unified Theory ◽  
Reading Habits ◽  
Mobile Business ◽  
Improvement Strategy ◽  
Use Of Technology ◽  
Behavior Intentions ◽  
Effort Expectancy ◽  
Facilitating Conditions ◽  
Use Behavior ◽  
Positive Impacts

ABSTRACT As mobile business has flourished and people’s news-reading habits have changed, the use of mobile news platforms has become a new trend. Due to this change, the use rate of LINE TODAY news from Taiwan became the world’s highest in 2018. The study uses the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) model to explore behavioral intentions and the use behavior of LINE TODAY in Taiwan. A total of 199 valid samples were collected. Results show that performance expectancy, effort expectancy, social influence, facilitating conditions, and habit have positive impacts on behavior intentions. Behavior intentions and habit have positive impacts on use behavior. Results provide LINE TODAY and its peers with an improvement strategy and a reference for future development and research into mobile news platforms.

scholarly journals Analisis Penerimaan Sistem Pembelajaran Online Edmodo Menggunakan Unified Theory of Acceptance and Use of Technology (UTAUT) Studi Kasus : Kelas IX di SMP Negeri 1 Singaraja)”

2019 ◽  
Vol 8 (2) ◽  
pp. 467
Author(s):  
Syzca Taqwatika ◽  
Ketut Agustini ◽  
P.Wayan Arta Suyasa
Keyword(s):  
Social Influence ◽  
Unified Theory ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Facilitating Conditions

ABSTRAKTujuan dari penelitian ini adalah untuk mengetahui bagaimana penerimaan pengguna terhadap sistem Pembelajaran Online Edmodo sehingga pengembangan sistem layak dilaksanakan. Salah satu pendekatan teori penerimaan dan penggunaan terhadap suatu teknologi yaitu Unified Theory Of Acceptance And Use Of Technology (UTAUT). UTAUT merupakan salah satu model penerimaan teknologi yang dikembangkan oleh Vankatesh, et al. (2003) dengan menggabungkan delapan teori penerimaan teknologi sebelumnya. UTAUT memiliki empat konstruk utama yaitu 1) performance expectancy, 2) effort expectancy, 3) social influence, dan 4) facilitating conditions. Penelitian ini selanjutnya akan menjelaskan tentang hubungan faktor-faktor yang mempengaruhi penerimaan dan penggunaan sistem Pembelajaran Online Edmodo menggunakan model UTAUT. Data diperoleh dengan cara menyebarkan kuesioner tertutup kepada siswa dan wawancara bersama guru dan siswa. Besar sampel pada penelitian ini berjumlah 72 siswa, setalah menyebarkan kuisioner data lalu dianalisis menggunakan Smart PLS Hasil penelitian ini menunjukkan bahwa Variabel Ekpektansi Kinerja berpengaruh positif terhadap minat penggunaan  Sedangkan variabel Ekspektasi usaha dan Pengaruh Sosial  tidak berpengaruh positif terhadap  minat penggunaan Sistem Pembelajaran Online Edmodo. Kondisi yang memfasilitasi berpengaruh positif terhadap perilaku penggunaan Sistem Pembelajaran Online Edmodo. Kata kunci :Pembelajaran Online Edmodo,Siswa, Unified Theory Of Acceptance And Use Of Technology (UTAUT),

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