AIC Algorithm for E-Wallet Payment in the COVID-19 Pandemic in Vietnam

The COVID-19 pandemic is continuously developing owing to the development of a new strain of coronavirus. Society is difficult with people's needs being higher, especially in daily spending and consumption, but many consumers are also tending to not want to keep too much cash on hand. In addition, the world is facing the COVID-19 pandemic, and Vietnam, in particular, has pushed businesses to focus on developing a cashless payment application called an e-wallet to pay bills to meet consumer needs. This chapter is based on concepts and theories of the technology acceptance model related to intention to use the e-wallets to form the research model comprising the independent factors of perceived usefulness, perceived ease of use, perceived risk, social influence, and perceived trust. This study uses the optimal choice of the AIC algorithm, and all the factors are acceptable.

Technology Acceptance Model Modification for Electronic Wallet Users in Jakarta

Modern Economics ◽

10.31521/modecon.v26(2021)-03 ◽

2021 ◽

Vol 26 (1) ◽

pp. 17-24

Author(s):

Almi Budiman ◽

◽

Baruna Hadibrata ◽

Keyword(s):

Technology Acceptance ◽

Perceived Risk ◽

Ease Of Use ◽

Perceived Usefulness ◽

Mobile Payment ◽

Perceived Ease Of Use ◽

Perceived Trust ◽

Money Transfers ◽

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

Research on the use intention of potential designers of unmanned cars based on technology acceptance model

PLoS ONE ◽

10.1371/journal.pone.0256570 ◽

2021 ◽

Vol 16 (8) ◽

pp. e0256570

Author(s):

Tianyang Huang

Keyword(s):

Technology Acceptance ◽

Ease Of Use ◽

Perceived Usefulness ◽

Intention To Use ◽

Perceived Ease Of Use ◽

Perceived Trust ◽

Perceived Enjoyment ◽

Acceptance Model ◽

Positive Effect

The success of unmanned car, an emerging tool of transportation with so many advantages, depends to a large extent on its user acceptability. Potential designers are both the decision makers of driverless car design and the users of driverless cars. This study aims to explore the influencing factors of the potential designers’ intention to use unmanned cars. Based on the theory of Technology Acceptance Model (TAM), this study further expanded the TAM by incorporating perceived trust, perceived enjoyment and self-efficacy, so as to explain and predict potential designers’ intention to use unmanned cars. The questionnaire is determined through theoretical literature, pre-tests, etc., and the Structural Equation Model is used to analyze the data of 202 valid survey samples to investigate the influencing factors of the willingness to use unmanned vehicles. The results show that potential designers’ intention to use unmanned cars is positively affected by perceived trust, perceived enjoyment, perceived usefulness and perceived ease of use, and perceived trust has a positive effect on perceived ease of use, self-efficacy and perceived ease of use also have a positive effect on perceived usefulness. The findings of this study can provide designers and developers of unmanned cars, policy makers and implementers with guidance in the follow-up design, policy formulation and advertising of unmanned cars.

Factors contributing towards adoption of E-banking in Pakistan

International Journal of Accounting and Financial Reporting ◽

10.5296/ijafr.v4i2.6584 ◽

2014 ◽

Vol 1 (1) ◽

pp. 437 ◽

Cited By ~ 8

Author(s):

Azam Khurshid ◽

Muhammad Rizwan ◽

Erum Tasneem

Keyword(s):

Service Quality ◽

Technology Acceptance ◽

Perceived Risk ◽

Negative Impact ◽

Positive Impact ◽

Ease Of Use ◽

Perceived Usefulness ◽

Perceived Ease Of Use ◽

Perceived Trust ◽

Purpose:The main purpose of this research is to understand the customer’s E-Banking adoption behavior. To achieve this purpose we are going to investigate the External variables (Perceived Risk, Service Quality, and Perceived Trust), Technology Acceptance Model (perceived usefulness, perceived ease of use) and their effect on attitude towards using and the adoption of E-Banking.Methodology:Questionnaire was used to collect the data from convenience sampling of 150 customers. Regression analysis is use to determine the stability of E-Banking proposed model and hypothesis testing.Results & Findings:The results confirm that Perceived Usefulness, Perceived Ease of Use have positive impact on Attitude towards using. Service Quality has positive impact on Perceived Usefulness, Perceived Ease of Use, and Attitude towards using. Perceived Risk has negative impact on Attitude towards using. Perceived Trust and Attitude towards using have positive impact on E-Banking adoption. The results not supported one hypothesis Perceived Risk (PR) impact on Perceived Usefulness (PU). Results shows that PR has negative impact on PU.

Using Technology Acceptance Model to Study Customers’ Perception Towards Green Banking

Think India ◽

10.26643/think-india.v22i3.8270 ◽

2019 ◽

Vol 22 (3) ◽

pp. 402-409

Author(s):

Deepak Shrivastava ◽

Apurva Shrivastava ◽

Gyan Prakash

Keyword(s):

Technology Acceptance ◽

Perceived Risk ◽

New Technology ◽

Banking System ◽

Point Of View ◽

Ease Of Use ◽

Perceived Usefulness ◽

Perceived Ease Of Use ◽

Tech-friendliness in this new era is an important quotient considered and the persons’ acceptance towards the technology frequency matters a lot. But still the frequency varies from person to person, this brought in the concept of Technology Acceptance Model given by Fred Davis in 1989. The theory of TAM is based on two theories that are Theory of Reasoned Action and Theory of Planned Behavior, TAM is extended version of these two. Green Banking is a new technology introduced by the banks that focuses on the growth of Sustainable development and Banking system too. Thus, banks ask their customers to use it or practice it in their daily life transactions. But every customer has their own point of view on the usage of Green banking. Thus, the research aims to understand the customers’ perception towards the Green Banking for this TAM is used. The research states that Perceived risk is the primary factor that is followed by perceived usefulness and perceived ease of use that impacts the decision to use green banking. Thus, the behavioral intention results in actual use of green banking usage for which people are trying to accept the new technology. So, the banks have earned points for creating awareness among their customers but still they have to work hard and clarify their customers’ problems and vanish that hitch that is stopping them to use green banking easily.

FACTORS AFFECTING THE ADOPTION OF ELECTRONIC MONEY USING TECHNOLOGY ACCEPTANCE MODEL AND THEORY OF PLANNED BEHAVIOR

Journal of Business Economics ◽

10.35760/eb.2019.v24i1.1858 ◽

2019 ◽

Vol 24 (1) ◽

pp. 100-113

Author(s):

Filona ◽

Misdiyono

Keyword(s):

Theory Of Planned Behavior ◽

Technology Acceptance ◽

Ease Of Use ◽

Perceived Usefulness ◽

Intention To Use ◽

Perceived Ease Of Use ◽

Electronic Money ◽

Factors Affecting ◽

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.

Analysis of E-Marketplace Use in East Java’s MSMEs Using the Technology Acceptance Model Approach

KnE Social Sciences ◽

10.18502/kss.v5i5.8853 ◽

2021 ◽

Author(s):

Rurid Dwi Anggraeny ◽

Imam Baihaqi

Keyword(s):

Technology Acceptance ◽

Behavioral Intention ◽

Technology Use ◽

Ease Of Use ◽

Perceived Usefulness ◽

Intention To Use ◽

Perceived Ease Of Use ◽

Acceptance Model ◽

Behavioral Intention To Use

The e-commerce industry has the potential to be one of the drivers of the domestic economy. One of the impacts of the advancement of e-commerce is the emergence of many online-based marketplaces or so-called e-marketplaces. However, a lot of these online marketplaces sell 90% imported products. In addition, the outbreak of Covid-19 in Indonesia has prompted the government to establish several policies that have significantly reduced MSME performance by up to 70-100%. This study aimed to provide an empirical analysis of the influence of factors based on the Technology of Acceptance Model (TAM) approach, namely e-marketplace self-efficacy, complexity, perceived usefulness, perceived ease of use, attitude towards using, behavioral intention to use, and actual technology use in e-marketplaces. The sample consisted of MSMEs in East Java, especially those engaged in the food and beverage industry sector with ready-to-eat processed food products whose business activities use the Shopee e-marketplace application platform. This is an online shopping marketplace focused on mobile platforms. There were 150 respondents. The Structural Equation Model (SEM) was used. E-marketplace self-efficacy, complexity, perceived usefulness, perceived ease of use, attitude towards using, behavioral intention to use, and actual technology use in e-marketplaces all had positive effects on each other. This showed that a system that offers convenience will improve behavior, habits, and performance for MSMEs in using e-marketplace activities. The theoretical and methodological implications and opportunities for further research are discussed. Keywords: MSMEs, e-marketplace, technology acceptance model

A comprehensive acceptance model for smart home services

International Journal of Data and Network Science ◽

10.5267/j.ijdns.2021.10.005 ◽

2022 ◽

Vol 6 (1) ◽

pp. 45-58 ◽

Cited By ~ 1

Author(s):

Amer Al-Husamiyah ◽

Mahmood Al-Bashayreh

Keyword(s):

Technology Acceptance ◽

Smart Home ◽

Structural Equation ◽

Ease Of Use ◽

Perceived Usefulness ◽

Equation Modeling ◽

Smart Devices ◽

Intention To Use ◽

Perceived Ease Of Use ◽

Smart home services (SHSs) afford users an effective lifestyle management system, which provides human-oriented networking of smart devices and applications that enable users to control their homes from anywhere at any time. Despite the benefits of SHSs, however, their acceptance is very low. There remains a gap in the literature in terms of a comprehensive model that addresses users’ intention to use SHSs. To address this gap, the present study explored the factors that influence SHS acceptance among users based on well-established theoretical frameworks, such as the technology acceptance model, innovation diffusion theory, and the theory of planned behavior. To this end, the study integrated four additional factors, namely, perceived convenience, perceived connectedness, perceived cost, and perceived privacy risk, into the exploration and carried out structural equation modeling to quantitatively determine the effects of these factors. Questionnaires were administered to 750 users. The findings indicated that perceived compatibility, perceived convenience, perceived connectedness, perceived cost, perceived behavioral control with perceived usefulness, and perceived ease of use directly and indirectly exerted a significant influence on users’ intention to use SHSs.

A Holistic Model Proposal to Better Understand Mobile Purchases

International Journal of Technology and Human Interaction ◽

10.4018/ijthi.2021070106 ◽

2021 ◽

Vol 17 (3) ◽

pp. 84-97

Author(s):

Sinda Agrebi

Keyword(s):

Technology Acceptance ◽

Perceived Risk ◽

Purchase Intention ◽

Mobile Internet ◽

Ease Of Use ◽

Intention To Use ◽

Perceived Ease Of Use ◽

Holistic 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

International Journal of E-Adoption ◽

10.4018/ijea.2020070101 ◽

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 ◽

Perceived Risk ◽

Structural Equation ◽

Online Shopping ◽

Equation Model ◽

Ease Of Use ◽

Intention To Use ◽

Perceived Ease Of Use ◽

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.

E-Government Services Adoption

International Journal of Electronic Government Research ◽

10.4018/ijegr.2018070102 ◽

2018 ◽

Vol 14 (3) ◽

pp. 12-31 ◽

Cited By ~ 3

Author(s):

Isaac Kofi Mensah

Keyword(s):

Technology Acceptance ◽

Ease Of Use ◽

Perceived Usefulness ◽

Intention To Use ◽

Perceived Ease Of Use ◽

Government Services ◽

Research Article ◽

Actual Use ◽

The Government ◽

This research article explores the important elements of trust and transparency to the adoption of e-government services. The Technology Acceptance Model was used as the theoretical framework. The data capture and analyses were conducted with SPSS. The results indicate that trust in the internet was a significant predictor of both the intention to use and perceived ease of use (PEOU), but was not significant in predicting perceived usefulness (PU) and the actual use (AU) of e-government services. Trust in the government (TG) was also not significant in determining both the intention to use and PEOU of e-government services. Rather TG had a significant impact on PU and the actual use (AU) of e-government services. Furthermore, perceived transparency was a significant predictor of PU, IU, and AU of e-government services. The implications of these findings on the implementation of e-government are thoroughly discussed.