Predicting the Determinants of Mobile Payment Acceptance

2021 ◽  
pp. 117-153
Author(s):  
Yakup Akgül
Keyword(s):  
Diffusion Of Innovations ◽  
Structural Equation ◽  
Online Survey ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Second Phase ◽  
Research Model ◽  
Use Of Technology ◽  
The Neural Network ◽  
Perceived Security

This chapter aims to determine the main factors of mobile payment adoption and the intention to recommend this technology. An innovative research model has been proposed with the advancement of the body of knowledge on this subject that combines the strengths of two well-known theories: the extended unified theory of acceptance and use of technology (UTAUT2) with the innovation characteristics of the diffusion of innovations (DOI) with perceived security and intention to recommend the technology constructs. The research model was empirically tested using 259 responses from an online survey conducted in Turkey. Two techniques were used: first, structural equation modeling (SEM) was used to determine which variables had significant influence on mobile payment adoption; in a second phase, the neural network model was used to rank the relative influence of significant predictors obtained by SEM. This study found that the most significant variables impacting the intention to use were perceived technology security and innovativeness variables.

Safety first: extending UTAUT to better predict mobile payment adoption by incorporating perceived security, perceived risk and trust

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Hanif Adinugroho Widyanto ◽  
Kunthi Afrilinda Kusumawardani ◽  
Helmy Yohanes
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Online Survey ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Extended Model ◽  
User Privacy ◽  
Content Type ◽  
Perceived Security ◽  
Digital Transactions

Purpose The purpose of this study is to investigate the antecedents of behavioral intention to use (BIU) mobile payment in Indonesia by extending unified theory of acceptance and use of technology (UTAUT) with user privacy constructs, namely, perceived security (PS), perceived risk (PR) and trust (Tr). Design/methodology/approach This is a quantitative research using the covariance-based structural equation modeling method, whereby the researchers conducted an online survey and distributed online questionnaires to users of mobile payment from all over Indonesia to obtain the data. The sample in this study consisted of 358 respondents. Findings This study found that social influence, facilitating conditions, PS, performance expectancy and Tr have a significant and direct influence on BIU mobile payment. PR was not found to have a significant and direct relationship with BIU, but it was indirectly affecting the latter through Tr as the mediating variable. Originality/value The researchers modified UTAUT by incorporating PS, PR and Tr to create a more comprehensive model in predicting mobile payment adoption, especially considering the risky nature of digital transactions in emerging economies like Indonesia. This extended model has never been thoroughly explored in previous studies.

scholarly journals Explaining mobile government social media continuance from the valence perspective: A SEM-NN approach

PLoS ONE ◽  
2021 ◽  
Vol 16 (2) ◽  
pp. e0246483
Author(s):  
Yubo Peng ◽  
LingWu Wang ◽  
Shuiqing Yang
Keyword(s):  
Neural Network ◽  
Social Media ◽  
Structural Equation ◽  
Social Value ◽  
Equation Modeling ◽  
Research Model ◽  
Media Usage ◽  
Hedonic Value ◽  
The Neural Network ◽  
Using Data

Different from many previous studies explain mobile social media usage from a technical-center perspective, the present study investigates the factors that influence citizens’ mobile government social media (GSM) continuance based on the valence framework. The research model was calculated by using data collected from 509 citizens who are the mobile GSM users in China. A structural equation modeling (SEM)-neural network (NN) method was employed to test the research model. The results of SEM indicated that the positive utilities included social value and hedonic value positively affect mobile GSM continuance, while the negative utility reflected by self-censorship negative affect mobile GSM continuance. This is further supported by the results of the neural network model analysis which indicated that hedonic value is more influencing predictor of continuous usage of mobile GSM, following by social value and self-censorship.

scholarly journals Towards a Cashless Society: The Effects of Perceived Convenience and Security on Gamified Mobile Payment Platform Adoption

2021 ◽  
Vol 25 ◽  
Author(s):  
P. C. Lai ◽  
Ewilly J.Y. Liew
Keyword(s):  
Structural Equation ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Intention To Use ◽  
Final Sample ◽  
Dual Strategy ◽  
Perceived Security ◽  
The Relationship

Integrating gamification into mobile payment platform incentivizes people to use digital alternatives for payment and could spur user-centric, platform-mediated interactions. This study examines the relationship between perceived convenience and perceived security on individual users’ intention to use a gamified mobile payment platform in Malaysia; a developing country envisioned to build a cashless society. The partial least square structural equation modeling (PLS-SEM) technique is employed on a final sample of 388 online users. The results show that perceived convenience has a strong but indirect effect on the intention to use. Perceived security has a strong and direct effect on intention to use and mediates the relationship between perceived convenience and intention to use. Furthermore, the reliability aspect of security is a top priority concern for users interested in using mobile payment. The multi-functional aspect of convenience is a top priority concern to attract users who are not interested in using mobile payment at first. The study discusses theoretical and practical implications for developing a dual strategy of ‘ensuring convenience’ and ‘assuring security’ to encourage the gamified mobile payment platform adoption in developing countries.

scholarly journals Cryptocurrency Acceptance: A Case of Malaysia

2019 ◽  
Vol 8 (5C) ◽  
pp. 28-38
Keyword(s):  
Pilot Study ◽  
Structural Equation ◽  
Online Survey ◽  
Reliability And Validity ◽  
Measurement Model ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Research Model ◽  
Community Group

Since the inception of the first cryptocurrency in 2008, cryptocurrency has been receiving global attention from the public, media, merchants and regulators. Although the general sentiment suggested cryptocurrencies which leverage on blockchain technology might eventually replace the paper currency as the mainstream currency, the Malaysian regulators are still unsure that a well-established cryptocurrency ecosystem can come into place anytime soon. Unfortunately, there is a lack of cryptocurrency acceptance study, particularly in Malaysia (developing country context). Hence, this paper aims to propose a research model that integrates cryptocurrency dimension antecedents with Unified Theory of Acceptance and Use of Technology2 (UTAUT2) constructs to examine the factors that influence cryptocurrency acceptance. This study employs a quantitative approach by collecting online survey questionnaire data through the means of cryptocurrency community group on social media. The survey instrument was reviewed by four experts from the field of blockchain and 36 responses have been gathered from individuals who have cryptocurrency knowledge for pilot study. To further evaluate the reliability and validity of the proposed measures, the measurement model was assessed using structural equation modeling (SEM) technique with partial least square approach (PLS). SmartPLS software was used for PLSSEM analyses. In this paper, the proposed research model contributes a high-level overview of and valuable insights into the potential cryptocurrency acceptance factors to regulatory bodies, practitioners as well as prospective cryptocurrency users. The findings of pilot study confirm that the measurement items and constructs in the proposed model are reliable and valid.

Evaluating the Effects of Facilitating Conditions and Usage Experience on Mobile Payment

2021 ◽  
Vol 13 (4) ◽  
pp. 88-106
Author(s):  
Ling Long Tsai
Keyword(s):  
Online Survey ◽  
Mobile Payment ◽  
Research Model ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
And Performance ◽  
Facilitating Conditions ◽  
Major Factors ◽  
The Relationship

The following research attempts to investigate the determinants influencing consumers' intention to adopt mobile payment (MP). The research model was adapted based on three constructs from the unified theory of acceptance and use of technology (UTAUT), including performance expectancy, effort expectancy, and facilitating conditions in the research model. In addition, usage experience was also added to the model to test for moderating effect. An online survey conducted through Taiwanese chat rooms resulted in 348 valid responses, which were analyzed using Smart PLS. Results indicated that (1) effort expectancy, performance expectancy, and facilitating conditions were three major factors influencing intention to use mobile payment; (2) facilitating conditions played a significant role in impacting effort expectancy and performance expectancy; (3) usage experience positively moderated the relationship between facilitating conditions and performance expectancy; and (4) usage experience also positively moderated the relationship between facilitating conditions and effort expectancy.

A SEM-Neural Network Approach for Predicting Antecedents of Factors Influencing Consumers' Intent to Install Mobile Applications

2018 ◽  
pp. 262-308 ◽  
Author(s):  
Yakup Akgül
Keyword(s):  
Neural Network ◽  
Mobile Applications ◽  
Behavioral Intention ◽  
Structural Equation ◽  
Equation Modeling ◽  
Second Phase ◽  
Intention To Use ◽  
Neural Network Approach ◽  
The Neural Network ◽  
Behavioral Intention To Use

This chapter explores the present gap in the literature regarding the acceptance of mobile applications by investigating the factors that affect users' behavioral intention to use apps in Turkey. First, structural equation modeling (SEM) was used to determine which variables had significant influence on intention to install. In a second phase, the neural network model was used to rank the relative influence of significant predictors obtained from SEM. The results reveal that habit, performance expectancy, trust, social influence, and hedonic motivation affect the users' behavioral intention to use apps.

The effect of initial trust on user adoption of mobile payment

2011 ◽  
Vol 27 (4) ◽  
pp. 290-300 ◽  
Author(s):  
Tao Zhou
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Perceived Ease Of Use ◽  
Initial Trust ◽  
User Adoption ◽  
Perceived Security

Due to the high perceived risk and low switching cost, it is critical to building users' initial trust in mobile payment in order to facilitate their adoption and usage. The purpose of this research is to examine the effect of initial trust on user adoption of mobile payment. We conducted data analysis with structural equation modeling. The results indicated that perceived security, perceived ubiquity and perceived ease of use have significant effects on initial trust, which in turn determines perceived usefulness and usage intention. We also found that perceived cost is a significant determinant of usage intention.

An empirical study of research ethics and their role in psychologists’ data sharing intentions using consequentialism theory of ethics

2021 ◽  
pp. 096100062110089
Author(s):  
Youngseek Kim
Keyword(s):  
Structural Equation Modeling ◽  
Empirical Study ◽  
Research Ethics ◽  
Data Sharing ◽  
Structural Equation ◽  
Online Survey ◽  
Theoretical Framework ◽  
Equation Modeling ◽  
Research Model ◽  
Community Benefit

The purpose of this study is to examine how different ethical dimensions of egoism, utilitarianism, and deontology all help in the formation of psychologists’ research ethics for data sharing, and how the research ethics eventually affect psychologists making decisions regarding whether to engage in data sharing. This research utilized consequentialism theory of ethics as its theoretical framework to develop its research model of psychologists’ data sharing as mediated by research ethics. It conducted an online survey with psychologists in US academic institutions and collected a total of 362 valid responses. Then, it employed the structural equation modeling technique to evaluate the research model and related hypotheses of psychologists’ data sharing intentions as mediated by the profession’s research ethics. This research found that perceived career benefit, perceived community benefit, and norm of data sharing all significantly contribute to the formation of psychologists’ research ethics for data sharing, and then these research ethics, along with perceived community benefit and norm of data sharing, significantly influence psychologists’ data sharing intentions. This study suggests that the consequentialism theory of ethics nicely explains psychologists’ formation of their research ethics for data sharing and their decision to engage in data sharing. The study also suggests that research communities can better promote researchers’ data sharing behaviors by stimulating their research ethics through different ethical dimensions, including egoism (career benefit), utilitarianism (community benefit), and deontology (norm of data sharing).

scholarly journals The Influence of Perceived Security and Perceived Enjoyment on Intention To Use with Attitude Towards Use as Intervening Variable on Mobile Payment Customer in Surabaya

2020 ◽  
Vol 3 (1) ◽  
pp. 37-46
Author(s):  
Fabrianne Setiawati Sudono ◽  
Michael Adiwijaya ◽  
Hotlan Siagian
Keyword(s):  
Structural Equation Modeling ◽  
Structural Equation ◽  
Sampling Technique ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Intention To Use ◽  
Perceived Security ◽  
Perceived Enjoyment ◽  
The Relationship ◽  
Selection Of

This study aims to determine the effect of perceived security and perceived enjoyment as moderated variable on intention to use mobile payment, either directly or through mediation of attitude towards use. The method used in this study is quantitative by spreading the questionnaires to 211 respondents of mobile payment application users both online and offline in Surabaya. The selection of this research sample used a judgment sampling technique with criteria determined by the researcher. The data was analyzed with Structural Equation Modeling (SEM), SmartPLS tools. The questionnaire collected was 192 questionnaires. The results show that perceived security and perceived enjoyment have a significant directly influence on intention to use and indirectly through mediating attitudes to use mobile payment. In addition, it was found that perceived enjoyment variable moderated the relationship between perceived security and attitudes to use but did not moderate the relationship between perceived security and intention to use.

The formation of research ethics for data sharing by biological scientists: an empirical analysis

2019 ◽  
Vol 71 (5) ◽  
pp. 583-600 ◽  
Author(s):  
Boryung Ju ◽  
Youngseek Kim
Keyword(s):  
Research Ethics ◽  
Data Sharing ◽  
Structural Equation ◽  
Online Survey ◽  
Equation Modeling ◽  
Funding Agency ◽  
Research Model ◽  
Content Type ◽  
Perceived Pressure ◽  
Practical Implications

Purpose The purpose of this paper is to investigate how biological scientists form research ethics for data sharing, and what the major factors affecting biological scientists’ formation of research ethics for data sharing are. Design/methodology/approach A research model for data sharing was developed based on the consequential theorists’ perspective of ethics. An online survey of 577 participants was administered, and the proposed research model was validated with a structural equation modeling technique. Findings The results show that egoism factors (perceived reputation, perceived risk, perceived effort), utilitarianism factors (perceived community benefit and perceived reciprocity) and norm of practice factors (perceived pressure by funding agency, perceived pressure by journal and norm of data sharing) all contribute to the formation of research ethics for data sharing. Research limitations/implications This research employed the consequentialist perspective of ethics for its research model development, and the proposed research model nicely explained how egoism, utilitarianism and norm of practice factors influence biological scientists’ research ethics for data sharing, which eventually leads to their data sharing intentions. Practical implications This research provides important practical implications for examining scientists’ data sharing behaviors from the perspective of research ethics. This research suggests that scientists’ data sharing behaviors can be better facilitated by emphasizing their egoism, utilitarianism and normative factors involved in research ethics for data sharing. Originality/value The ethical perspectives in data sharing research has been under-studied; this research sheds light on biological scientists’ formation of research ethics for data sharing, which can be applied in promoting scientists’ data sharing behaviors across different disciplines.

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