A Quantitative Study of Factors Affecting Value of Adopting Self-Service Banking Technology (SSBT) Among Customers in Developing and Developed Countries

Author(s):  
Fouad Omran Elgahwash

Self-service banking technology (SSBT) allow customers to perform services on their own without direct assistance from staff. This study focuses on factors affecting the value of adopting self-Service banking technology (SSBT) among customers. It is believed that the successful usage of self-service banking technology will be increasingly advantageous for all (banks & customers). This chapter's purpose is an extension to the technology acceptance model (TAM) and views customer responses to technology as an integrated part of SSBT. The sample used for this study was selected from users of banks in both Libya and Australia, with a total size of 141 respondents. Reliability and validity of the data collection instrument was tested using Cronbach Alpha. Descriptive and regression tests for data analysis were used. The domains in which subjects were tested were “ease of use of SSBT”, “Usefulness of SSBT”, “Quality of SSBT”, “privacy of information” and “Trust of SSBT”.

2019 ◽  
Vol 24 (1) ◽  
pp. 100-113
Author(s):  
Filona ◽  
Misdiyono

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.


2021 ◽  
Vol 13 (10) ◽  
pp. 5471
Author(s):  
Chuan-Yu Mo ◽  
Te-Hsin Hsieh ◽  
Chien-Liang Lin ◽  
Yuan Qin Jin ◽  
Yu-Sheng Su

In order to enable online learning to continue developing when the COVID-19 pandemic passes, this study aimed to identify the critical factors that affected the use of e-learning by university students during the pandemic. These critical factors will help to increase the efficiency of future development and deployment of online learning systems. Through a literature review, this study employed the technology acceptance model, social support, and task–technology fit as the theoretical basis to establish the framework of the online learning environment with regards to the technology acceptance model in the context of emergency management. A questionnaire survey was administered to students in universities that had implemented online teaching during the pandemic, and 552 valid responses were collected. The survey explored the factors affecting the willingness of higher education institution students to continue using online learning, and the following conclusions were drawn. (1) The easier an online learning platform was to navigate, the better it was perceived by the students, and thus the students were more willing to use it. (2) Ease of use and usefulness were associated with the teachers’ choice of platform and their ability to achieve a satisfactory fit between the course design and platform navigation, which thereby affected the students’ learning outcomes and attitude towards use. (3) The positive attitude of teachers towards teaching increased the students’ perceived ease of use of online learning. (4) During the pandemic, family support—a major support for teachers in online teaching—enhanced teachers’ attitudes towards, and willingness to provide, online teaching. A high level of support showed that the parents urged the students to learn and complete online learning tasks as instructed by the teachers, implying that family support could affect the students’ habits towards, adaptation to, and identification of online learning. The study results provide insights into the factors affecting the willingness of teachers and students to continue using e-learning platforms.


2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Samad M.E. Sepasgozar ◽  
Mohsen Ghobadi ◽  
Sara Shirowzhan ◽  
David J. Edwards ◽  
Elham Delzendeh

PurposeThis paper aims to examine the current technology acceptance model (TAM) in the field of mixed reality and digital twin (MRDT) and identify key factors affecting users' intentions to use MRDT. The factors are used as a set of key metrics for proposing a predictive model for virtual, augmented and mixed reality (MR) acceptance by users. This model is called the extended TAM for MRDT adoption in the architecture, engineering, construction and operations (AECO) industry.Design/methodology/approachAn interpretivist philosophical lens was adopted to conduct an inductive systematic and bibliographical analysis of secondary data contained within published journal articles that focused upon MRDT acceptance modelling. The preferred reporting items for systematic reviews and meta-analyses (PRISMA) approach to meta-analysis were adopted to ensure all key investigations were included in the final database set. Quantity indicators such as path coefficients, factor ranking, Cronbach’s alpha (a) and chi-square (b) test, coupled with content analysis, were used for examining the database constructed. The database included journal papers from 2010 to 2020.FindingsThe extant literature revealed that the most commonly used constructs of the MRDT–TAM included: subjective norm; social influence; perceived ease of use (PEOU); perceived security; perceived enjoyment; satisfaction; perceived usefulness (PU); attitude; and behavioural intention (BI). Using these identified constructs, the general extended TAM for MRDT in the AECO industry is developed. Other important factors such as “perceived immersion” could be added to the obtained model.Research limitations/implicationsThe decision to utilise a new technology is difficult and high risk in the construction project context, due to the complexity of MRDT technologies and dynamic construction environment. The outcome of the decision may affect employee performance, project productivity and on-site safety. The extended acceptance model offers a set of factors that assist managers or practitioners in making effective decisions for utilising any type of MRDT technology.Practical implicationsSeveral constraints are apparent due to the limited investigation of MRDT evaluation matrices and empirical studies. For example, the research only covers technologies which have been reported in the literature, relating to virtual reality (VR), augmented reality (AR), MR, DT and sensors, so newer technologies may not be included. Moreover, the review process could span a longer time period and thus embrace a fuller spectrum of technology development in these different areas.Originality/valueThe research provides a theoretical model for measuring and evaluating MRDT acceptance at the individual level in the AECO context and signposts future research related to MRDT adoption in the AECO industry, as well as providing managerial guidance for progressive AECO professionals who seek to expand their use of MRDT in the Fourth Industrial Revolution (4IR). A set of key factors affecting MRDT acceptance is identified which will help innovators to improve their technology to achieve a wider acceptance.


Author(s):  
Daniel Danso Essel ◽  
Osafo Apeanti Wilson

Higher education institutions are faced with the complex challenges of serving increased enrollment levels within tight budgets. This challenge is prompting many universities to explore new approaches including the use of Learning Management Systems (LMS) such as Moodle for delivering courses to help extend teaching and learning beyond the classroom. Using Technology Acceptance Model (TAM) as an underlying theory, this study investigated students' perceived usefulness as well as the perceived ease of use of Moodle in the University of Education, Winneba in Ghana. The study also used multiple linear regression to determine if these factors have any impact on the rate at which students use Moodle. Data was collected from a random sample of 229 students from the Faculty of Science Education using a questionnaire. The analysis revealed that students' perceived usefulness of Moodle and perceived challenges in using Moodle combined contributes significantly to students' rate of Moodle use.


2020 ◽  
Vol 17 (05) ◽  
pp. 2050032
Author(s):  
Asim Suleman A. Alwabel ◽  
Said S. Al-Gahtani ◽  
Ahmed Talab

The ubiquitous application of smartphones and their advanced development have created an opportunity for using them as coding platforms. In this study, we compared between the use of personal computers (PCs) and smartphones to investigate the factors affecting the use of smartphones in programing. The behavioral intentions of smartphone end-users are inspired by the ease of use perception, enjoyment perception, programing anxiety, perception of external control, and smartphone design aesthetics. Although the [Formula: see text] value of the smartphone model was lower than that of the PC model, the end-users’ adoption decisions could have shifted toward accepting the use of smartphones for programing had their decisions been free of enforcement. In this study, design aesthetics and programing anxiety were introduced to Technology Acceptance Model 3 in an Arabic environment. Additionally, the model was creatively applied for guiding practitioners in two situations. First, when organizations are in the quest for emerging technology to replace the legacy technology, they might apply the presented side-by-side comparison of the use of PCs with that of smartphones in programing. Second, at a time when decision makers analyze what might hinder the adoption of a recently introduced technology, the model can be a successful hand tool guiding the top management in identifying technology acceptance interventions, an approach this research revealed. Furthermore, in this paper, the research implications and recommendations are presented for technology practitioners and designers.


e-Finanse ◽  
2021 ◽  
Vol 17 (1) ◽  
pp. 41-49
Author(s):  
Ziad Aldammagh ◽  
Rabah Abdaljawad ◽  
Tareq Obaid

Abstract One of the most significant changes in the field of education in this information age is the paradigm shift from teacher-centered to learner-centered education. Along with this paradigm shift, understanding of students’ e-learning adoption behavior among various countries is urgently needed. Despite being one of the many countries that are still at the early stages in implementing e-learning, Palestine is a country that has recently seen an expansion in the number of students and the quality of education, which has involved high investment in e-learning. Hence, studies in this area of research interest have yet to be made known within the field of education. This study attempted to address the disparity within the literature for an individual country, Palestine, on the significant influences towards adopting e-learning. A model that investigates the effects of quality features, perceived ease of use, perceived usefulness on the intentions and satisfaction of the learners towards the effects of e-learning is proposed in this study. This model encompassed the constructs and variables embedded in TAM and ISSM along with instructor quality. The outcomes of the model, such as actual use and the moderating effect of technical support towards e-learning in Palestine, were investigated. The study proposed that the quality of the course, instructor, service and system as well as perceived usefulness determined the satisfaction among students in use e-learning.


2019 ◽  
Vol 1 (1) ◽  
pp. 61-72
Author(s):  
Eko Setiawan ◽  
Darius Antoni ◽  
Ahmad Haidar Mirza

Technology Acceptance Model (TAM) dan Webqual merupakan teori penerimaan  teknologi yang digunakan dalam penelitian ini. Terdapat lima konstruk yang  digunakan dan merupakan gabungan dari konstruk-konstruk asli yang terdapat dalam TAM dan Webqual. Kelima konstruk tersebut adalah kemudahan pengguna persepsi (perceived ease of use / PEOU), kegunaan persepsi (perceived  usefulness / PU), kualitas interaksi layanan  (Service Interaction Quality of Website/ Web-SQ), kualitas informasi (Information Quality of Website/ Web-IQ), dan minat perilaku menggunakan teknologi (behavioral intention to use / BIUS). Model gabungan ini selanjutnya digunakan untuk meneliti sistem ujian online berbayar dengan studi kasus qualitiva.id. Penelitian ini selanjutnya akan menjelaskan tentang penerimaan sistem ujian online berbayar  pada pelajar, mahasiswa dan masyarakat umum. Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian eksplanatori dengan teknik analisis data menggunakan pendekatan PLS. Data diperoleh dari responden yang merupakan siswa LKP PalComTech Palembang dengan menyebarkan kuesioner tertutup. Terdapat 142 sampel penelitian yang dianalisis menggunakan metode PLS dengan software smartPLS. Berdasarkan hasil analisis data diperoleh hasil sebagai berikut: (1) Konstruk PEOU mempengaruhi konstruk AT; (2) Konstruk PU mempengaruhi konstruk AT; (3) Konstruk AT pengaruh terhadap konstruk BIUS; (4) Konstruk Web-SQ  tidak memiliki  pengaruh  terhadap  konstruk BIUS;  (5)  Konstruk Web-IQ mempengaruhi konstruk BIUS; dan (6) Konstruk BIUS tidak memiliki pengaruh terhadap konstruk BV;. Selain itu koefisien variabel laten PU terhadap AT memiliki nilai paling besar diantara nilai koefisien variabel laten pada model hubungan antar konstruk lainnya


Author(s):  
Farkhondeh Asadi ◽  
Roya Rezaei ◽  
Azamossadat Hosseini ◽  
Hamid Moghaddasi

Introduction: The global prevalence of End-Stage Renal Disease (ESRD) requiring therapeutic dialysis is on the rise. Haemodialysis is the main therapeutic dialysis method. Evaluating its effectiveness and planning to promote the quality of care and epidemiological research necessitate the development of registries as the main management tool. Aim: To design a national haemodialysis registry model for Iran. Materials and Methods: This was an applied descriptive study. Based on a review of articles and information sources, and a comparative study of national hemodialysis registries in developed countries, a national haemodialysis registry model was designed for Iran. After confirming the reliability and validity of the questionnaire, the designed model was given to nephrologists in a two-stage Delphi technique, and their comments were applied to the final model. Results: The presented national haemodialysis registry model main components consist of: goals, structure, data sources, minimum dataset, standards, and processes, all of which received 100% expert consensus. Conclusion: This registry is a powerful database for the progress of treatment, understanding changes in the treatment and outcomes, examining the factors affecting prognosis and quality of life.


Author(s):  
Yekti Wirani ◽  
Elsa Nadira ◽  
M. Syaiful Romadhon

The Developer Registration System (SIRENG), owned by the Ministry of Public Works and Public Housing of the Republic of Indonesia, aims to provide supervision on the quality of houses built by housing developers. Based on the interviews with the association manager PERWIRANUSA, the completeness and suitability of the information in SIRENG are still limited. It does not meet SIRENG development benefits, guaranteeing that registered developers in SIRENG are experienced and trusted. This study aims to provide recommendations for managers of SIRENG to improve the system through evaluation of acceptance of SIRENG with the association and housing developer's perspective. This study uses the Technology Acceptance Model (TAM) framework and utilizes PLS techniques to analyze respondents' data. This study used a mixed-method. This study's results are Perceived Ease of Use, Perceived Usefulness, Attitude Toward Using, and Actual Usage (AU) variables that influence the acceptance of SIRENG.


2019 ◽  
Vol 20 (2) ◽  
pp. 434-457 ◽  
Author(s):  
Deepak Chawla ◽  
Himanshu Joshi

Mobile banking (m-banking) has provided new opportunities to banks to engage more effectively with customers. With increasing smartphone penetration and affordable internet connectivity, both urban and rural India are witness to an increase in the number of mobile internet users. A majority of the recent studies on m-banking are focused on developed countries. Among Indian studies, a majority of them focus on internet banking, not many exist that explore the factors which influence user attitude (ATT) and intentions to adopt m-banking. This article aims to propose a scale to study m-banking adoption and validate it in the Indian context. An exploratory study was conducted through a literature review, a focus group discussions and some personal interviews. Exploratory factor analysis (EFA) was carried out which resulted in seven factors labelled as ease of use (EOU), ATT, lifestyle (LS), convenience (CON), efficiency (EFF), trust (TR) and behavioural intention (BI). The measurement model was estimated using confirmatory factor analysis to test the reliability and validity of the scale. The study improves the technology acceptance model (TAM) by adding TR, CON and EFF as relevant factors. The scale also integrates LS to the existing factors and focuses on both socio-technical aspects. The scale can be used by banks to assess how consumers perceive their m-banking service and identify gap areas and opportunities for developing viable m-banking services.


Sign in / Sign up

Export Citation Format

Share Document