Distinguish Significant Adoption Factors That Influence Users' Behavioral Expectation to Utilize Mobile Payment

2019 ◽  
pp. 148-168
Author(s):  
Pajaree Tansakul ◽  
Malka N. Halgamuge ◽  
Ali Syed
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Positive Impact ◽  
Negative Relationship ◽  
Mobile Payment ◽  
Intention To Use ◽  
Scientific Publications ◽  
Adoption Factors ◽  
Intention To Adopt ◽  
Acceptance Model

In this chapter, the authors performed an analysis of the data extracted from 39 peer-reviewed scientific publications between 2015 and 2018 describing users' adoption of various mobile payment systems encompassing methods, technologies, adoption models, theories, variables of the adoption models and theories, as well as significant adoption factors. The analysis demonstrates that the technology acceptance model (TAM) is the most popular model to investigate users' adoption of mobile payment. Both the original and extended versions of TAM are studied broadly to examine the individual's intention to adopt mobile payment. In addition, the analysis of the results from this chapter demonstrates perceived compatibility has the strongest positive impact on the intention to use mobile payment technology whereas perceived risk has a negative relationship with the intention to use mobile payment technology.

A Study of Consumer Continuance Intention to Adopt Mobile Payment Application in Indonesia

2021 ◽  
pp. 435-456
Author(s):  
Rosdiana Sijabat
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Economic Value ◽  
Mobile Payment ◽  
Continuance Intention ◽  
User Intention ◽  
Intention To Adopt ◽  
Acceptance Model ◽  
High Level ◽  
Level Of Risk

This study investigates the factors that determine user intention to continue using mobile payment application, taking as its case an Indonesian application called OVO. It applies the technology acceptance model by examining continuance intention to use (CITU) of OVO, economic value, satisfaction, gender difference, and perceived risk as the constructs. This study finds that economic value is significant predictor of CITU, but of a lower magnitude when the application was perceived as having a high level of risk. Satisfaction was significantly associated with CITU, particularly amongst users who perceived OVO as having a high level of risk. Although economic value and satisfaction influenced CITU amongst both male and female respondents, their influence was greatest amongst the former.

Technology Acceptance Model Modification for Electronic Wallet Users in Jakarta

2021 ◽  
Vol 26 (1) ◽  
pp. 17-24
Author(s):  
Almi Budiman ◽  
◽  
Baruna Hadibrata ◽  
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Perceived Ease Of Use ◽  
Perceived Trust ◽  
Money Transfers ◽  
Acceptance Model

Introduction. The development of mobile payment in Indonesia is increased, especially by the emergence of the two biggest electronic payments, such as Go-Pay and Ovo, which aggressively offer various interesting offers. This affects the enhancement of the use of mobile payment by the public. In the beginning, server-based electronic money services of its appearance were still small, including credit top-up and internet data, and money transfers to banks that include as a member of ATM Bersama (joint ATM). Along with the development of technology, electronic wallets begin to transform by expanding payment services, and several latest e-wallet applications have emerged. Purpose. The purpose of this research is to understand the changes in consumers’ behavior that make payments from using cash and switching to electronic wallets. Results. The results of the analysis in this study were obtained as the below: (1) Perceived ease of use, perceived usefulness, perceived security, and perceived risk and trust have an influence on the intention to use e-wallet electronic application; (2) perceived ease of use and perceived risk have an influence on perceived usefulness of e-wallet user and (3) perceived ease of use, perceived risk, and perceived usefulness influence the perceived trust of e-wallet application users. Conclusions. It can be concluded that the technology acceptance model influences the user in using the electronic wallet as their transaction method since its usage can be trusted. Moreover, the benefit they got from electronic wallet (perceived usefulness) influence their trust and increase the intention of using an electronic wallet

A Holistic Model Proposal to Better Understand Mobile Purchases

2021 ◽  
Vol 17 (3) ◽  
pp. 84-97
Author(s):  
Sinda Agrebi
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Risk ◽  
Purchase Intention ◽  
Mobile Internet ◽  
Ease Of Use ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Holistic Model ◽  
Acceptance Model

This research suggests a model to explain mobile purchase intention via smartphones based on the technology acceptance model to which specific variables to the m-commerce context were added: perceived risk, innovativeness, ubiquity, and trust in mobile internet. To that aim, a quantitative study was conducted with 400 French mobile users (200 buyers and 200 non-buyers) and was based on a purchase simulation of a train ticket on a mobile site up to the point of payment. The results show that the usefulness (explained by the innovativeness, the ubiquity and trust toward mobile Internet) and the perceived risk (explained by the innovativeness) have an impact on the intention to use unlike the perceived ease of use.

Understanding Vietnamese Consumer Intention to Use Online Retailer Websites

2020 ◽  
Vol 12 (2) ◽  
pp. 1-15
Author(s):  
A. F. M. Jalal Ahamed ◽  
Yam Limbu ◽  
Long Pham ◽  
Ha Van Nguyen
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Risk ◽  
Structural Equation ◽  
Online Shopping ◽  
Equation Model ◽  
Ease Of Use ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Acceptance Model

This study examines the applicability of an extended technology acceptance model (TAM) that incorporates trust, perceived risk, and self-enhancement as antecedents to the TAM constructs. Data collected from 299 Vietnamese online consumers, through a self-administered survey, were entered into a structural equation model using AMOS 23 to establish causality. The results partially confirm the applicability of TAM to the online shopping intentions of Vietnamese consumer, though contrary to expectations, perceived ease of use does not predict behavioral intentions. Trust and self-enchantment fit well with the TAM; the inclusion of perceived risk as an antecedent is questionable. The findings offer new opportunities for explaining TAM theory in light of Schwartz's value dimensions. This article thus concludes with a discussion of the research contributions and implications.

scholarly journals The Intentions to Wear Face Masks and the Differences in Preventive Behaviors between Urban and Rural Areas during COVID-19: An Analysis Based on the Technology Acceptance Model

2021 ◽  
Vol 18 (19) ◽  
pp. 9988
Author(s):  
Bo Zhang ◽  
Zhongjie Li ◽  
Lei Jiang
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Behavioral Intention ◽  
Perceived Risk ◽  
Positive Impact ◽  
Social Pressure ◽  
Perceived Usefulness ◽  
Extended Model ◽  
Social Image ◽  
Acceptance Model

The SARS-CoV-2 virus first emerged in late 2019 and has since spread quickly throughout China and become a global pandemic. As the situation with COVID-19 has evolved, wearing a face mask in public has grown commonplace. Using the technology acceptance model (TAM) as a foundation, this study introduces three new variables, namely, perceived risk, social pressure, and social image, to establish an extended model for investigating the factors that influence if residents wear masks. A total of 1200 questionnaires were distributed in China, from 1 February to 30 May 2020, through China’s largest online platform. The results indicate the following: 1. Residents’ positive attitude towards mask wearing promotes their behavioral intention to wear masks. 2. Perceived risk, social pressure, and social image have a positive impact on attitude towards mask wearing. 3. The intention to wear masks and attitude were both positively influenced by perceived usefulness. 4. The perceived usefulness is more influential in rural than urban groups, in terms of behavioral intention. This article proposes that public education on the facts related to the coronavirus, the threats posed by the COVID-19 pandemic to health, and the usefulness of face masks in preventing the transmission of COVID-19 could increase residents’ intention to wear a mask.

Understanding Customer Intention to Use Mobile Payment Services in Nanjing, China

10.31355/22 ◽  
2018 ◽  
Vol 2 ◽  
pp. 049-060 ◽  
Author(s):  
Phuah Kit Teng ◽  
Ting Jenn Ling ◽  
Kelly Wong Kai Seng
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Service Providers ◽  
Subjective Norm ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Mobile Service ◽  
Intention To Use ◽  
Payment Services

NOTE: THIS ARTICLE WAS PUBLISHED WITH THE INFORMING SCIENCE INSTITUTE. Aim/Purpose.............................................................................................................................................................................. This study examines the factors that influence customer intention to use mo-bile payment service in Nanjing, China. It also gains a deeper understanding and better insight of Chinese consumer behavior. Background.............................................................................................................................................................................. Mobile payments services represent a tremendously interesting paradox in the world of telecommunications. Although, they are convenient, quick and easy but there is not still enough evidence on how successful this practice is. In Nanjing, China, consumer intention to use mobile payment is still questionable and remains as a skeptical consideration. Methodology.............................................................................................................................................................................. A survey was conducted in Nanjing, China where 612 respondents were interviewed by self-administrated survey. The modified Theory of Reasoned Action (TRA) and Technology Acceptance Model (TAM) were applied in this study. Descriptive analysis, exploratory factor analysis and multiple regressions were used to accomplish the objective. Contribution.............................................................................................................................................................................. This research provides an insight to the mobile telecommunication industry, marketers, decision makers and academics on the factors that encourage consumers to use mobile payment. Findings.................................................................................................................................................................................... Four factors that influence the consumer behavioral intention were deter-mined in this study (perceived risk, perceived usefulness, subjective norm and attitude). The results of multiple regression indicate that all four variables significantly influence consumer intention to use mobile payment in Nanjing, China, however subjective norm has relatively high impact as compared to others. Recommendations for Practitioners........................................................................................................................................ In order to build a positive expression of the brand, mobile service providers are suggested to enhance the persuasion of the application. As customers provide their privacy information to register for the mobile payment services, providers should strengthen their security system. This not only shapes consumer trust but also prevent privacy leakage. Secondly, mobile payment application providers can imply policies for protecting customer rights from potential risk to increase their agreement of the application. These will lead to unexpected losses financially. Recommendation for Researchers............................................................................................................................................ It is recommended to make a comparison study between two Mobile payment platforms by examining constructs such as usefulness, ease of use, perceived risk as well as security risk, financial risk, social risk and time risk between Alipay and Wechat payment system in China. Impact on Society........................................................................................................................................................................ Various forms of mobile payment have been adopted by Chinese consumers due to convenience, speed and ease of use. Even though mobile payment does not replace physical payment cards but it has been acting as a substitute for paper-based payment method and it is driving demand and consumer usage. However, there the potential for data to leak creates some level of insecurity and skepticism for Chinese costumers. Future Research............................................................................................................................................................................ To have an in depth understanding about the consumer intention to use mobile payment, it is recommended to determine the current customers’ satisfaction level by adopting the SERQUAL model. Qualitative and quantitative research with focus group will be a good approach to get a deeper understanding on the factors that influence consumer to use mobile payment services rather than others payment methods. It is also important to get more information regarding customer satisfaction towards the mobile payment platform.

Understanding Vietnamese Consumer Intention to Use Online Retailer Websites

2021 ◽  
pp. 984-999
Author(s):  
A. F. M. Jalal Ahamed ◽  
Yam Limbu ◽  
Long Pham ◽  
Ha Van Nguyen
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Behavioral Intentions ◽  
Structural Equation ◽  
Online Shopping ◽  
Equation Model ◽  
Ease Of Use ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Acceptance Model

This study examines the applicability of an extended technology acceptance model (TAM) that incorporates trust, perceived risk, and self-enhancement as antecedents to the TAM constructs. Data collected from 299 Vietnamese online consumers, through a self-administered survey, were entered into a structural equation model using AMOS 23 to establish causality. The results partially confirm the applicability of TAM to the online shopping intentions of Vietnamese consumer, though contrary to expectations, perceived ease of use does not predict behavioral intentions. Trust and self-enchantment fit well with the TAM; the inclusion of perceived risk as an antecedent is questionable. The findings offer new opportunities for explaining TAM theory in light of Schwartz's value dimensions. This article thus concludes with a discussion of the research contributions and implications.

Using the Technology Acceptance Model (TAM) in Understanding Customers’ Behavioural Intention to Use E-CRM: Evidence from the Banking Industry

2021 ◽  
pp. 097226292110605
Author(s):  
Anupreet Kaur Mokha ◽  
Pushpender Kumar
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Banking Industry ◽  
Positive Impact ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Behavioural Intention ◽  
Intention To Use ◽  
Acceptance Model

The present study has aimed to understand the customers’ behavioural intention to use electronic customer relationship management (E-CRM) in the banking industry, using the technology acceptance model (TAM). Purposive sampling technique is used to collect data from 300 banks that included customers from Delhi (India), and partial least square-structural equation modelling (PLS-SEM) was employed. The reliability and the validity of the overall model were evaluated using the measurement model, and the hypotheses were tested using the structural model. The results reveal that E-CRM had a positive impact on both perceived usefulness and perceived ease of use, which, in turn, had a positive impact on the attitude towards using E-CRM, which ultimately led to a positive behavioural intention of customers towards using E-CRM. This study reveals that there is a large potential for policymakers to raise awareness and acceptance of E-CRM services among the customers.

scholarly journals Factors Influencing Intention to Use e-Government Services Among Citizens in Malaysia

2010 ◽  
pp. 334-359
Author(s):  
Ooh Kim Lean ◽  
Suhaiza Zailani ◽  
T. Ramayah ◽  
Yudi Fernando
Keyword(s):  
Technology Acceptance ◽  
Diffusion Of Innovation ◽  
Explanatory Power ◽  
Negative Relationship ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Relative Advantage ◽  
Intention To Use ◽  
Government Service ◽  
Acceptance Model

With the liberalization and globalization, Internet has been used as a medium of transaction in almost all aspects of human living. This study is investigating the factors that influencing the intention to use e-government service among Malaysians. This study integrates constructs from the models of Technology Acceptance Model (TAM), Diffusion of Innovation (DOI) which been moderated by culture factor and trust model with five dimensions. Structured questionnaire was used to collect data from 195 respondents. The result of the analysis showed that trust, perceived usefulness, perceived ease of use, compatibility, perceived relative advantage and perceived image respectively has a direct positive significant relationship towards intention to use e-government service and perceived complexity has a significant negative relationship towards intention to use e-government service. While perceived strength of online privacy protection and perceived strength of data integrity have a positive impact on a citizen’s trust to use e-government service. However, the uncertainty avoidance (moderating factor) used in the study has no significant effect on the relationship between the innovation factors (compatibility, complexity, relative advantage and image) and intention to use e-government service. Finally in comparing the explanatory power of the entire intention based model (TAM, DOI and Trust) with the studied model, it has been found that the DOI model has a better explanatory power.

Sign in / Sign up

Export Citation Format

Share Document