User Attitude and Intentions Towards FinTech in Bangladesh

FinTech is considered as a need for modern financial methods to compete with traditional financial methods. The combination of innovation, technology and finance develop a unique method that could be a source of economic development in developing countries. Modern technologies are essential to recognize the user attitude, behaviour and intentions towards FinTech. Hence, the key objective of the study is to investigate the user attitude and intentions towards the adoption of FinTech in Bangladesh. Under the light of the Technology Acceptance Model and Theory of Planned Behaviour, the following study used Perceived Trust, Perceived Usefulness, Perceived Compatibility, Perceived Cost Efficiency and Perceived Risk as an independent variable towards attitude and intentions of the users towards FinTech products. The study collected data from 450 FinTech users from Bangladesh and the proposed relationship among variables were measured by Structural Equation Model by using SMART-PLS. The research findings will benefit FinTech operators to create more customized services for local consumers.

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The Influence of Perceived Risk and Trust in Adoption of FinTech Services in Indonesia

CommIT (Communication and Information Technology) Journal ◽

10.21512/commit.v13i1.5708 ◽

2019 ◽

Vol 13 (1) ◽

pp. 31 ◽

Cited By ~ 3

Author(s):

Meyliana Meyliana ◽

Erick Fernando ◽

Surjandy Surjandy

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Perceived Risk ◽

Structural Equation ◽

Service Level ◽

Equation Model ◽

Perceived Usefulness ◽

Data Collection Technique ◽

Acceptance Model ◽

Financial Technology

The service level in community must be considered if it wants to continue to be used by the users. This research studies the adoption of Financial Technology (FinTech) services in the terms of trust and risk. The work employs the Technology Acceptance Model (TAM) theory as the theoretical basis combined with trust and perceived risk. The research method is quantitative. The data are analyzed by the Structural Equation Model (SEM) using Smart PLS V2.0. The researchers use a questionnaire in Google Form to collect the data. It is distributed online with the snowball data collection technique. As a result, 548 respondents are successfully gathered. The results indicate that the factor of users trusts influences perceived usefulness in the adoption to use FinTech services. However, the risk factor does not affect the use of FinTech services, which further does not influence the users’ attitude. The work contributes to the study of the adoption of FinTech services, which provides a view determining the users’ intention to use FinTech services in Indonesia.

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Analisis Bibliometrik Perkembangan Penelitian Penggunaan Pembayaran Seluler Dengan Vosviewer

Jurnal Interkom ◽

10.35969/interkom.v16i1.83 ◽

2021 ◽

Vol 16 (1) ◽

pp. 10-17

Author(s):

Femmy Effendy ◽

Vanessa Gaffar ◽

Ratih Hurriyati ◽

Heny Hendrayati

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Structural Equation ◽

Equation Model ◽

Partial Least Square ◽

Perceived Usefulness ◽

Least Square ◽

Mobile Payment ◽

Microsoft Excel ◽

Acceptance Model

Penelitian ini mengkaji perkembangan penelitian dengan topik penggunaan pembayaran seluler mobile payment, e-wallet. Kajian bertujuan untuk mengetahui: (1) perkembangan jumlah publikasi internasional bidang penggunaan pembayaran seluler mobile payment, w-wallet pada database Scopus dari tahun 2016 -2020; (2) jurnal inti dalam publikasi internasional penggunaan pembayaran seluler mobile payment, e-wallet (3) peta perkembangan publikasi internasional penelitian bidang penggunaan pembayaran seluler mobile payment, e-wallet berdasarkan kata kunci (co-word). Pengumpulan data dengan cara melakukan penelusuran melalui scopus dengan kata kunci mobile payment, mobile, payment, e-wallet, electronic walet, dengan katagori article title, abstract, keywords dalam kurun waktu 2016 –2020. Data berupa jumlah publikasi pertahun, jurnal yang memuat artikel mobile payment, mobile, payment, e-wallet, electronic walet, dan subjek dianalisis menggunakan Microsoft Excel. Sedangkan untuk tren pemetaan topik dianalisis dengan menggunakan sofware VosViewer. Hasil penelitian menunjukkan bahwa perkembangan pertumbuhan tahun 2016 - 2020 yang terindek di Scopus tertinggi terjadi pada tahun 2020 yang mencapai 82 publikasi (30.5 %). Publikasi internasional terbanyak dipublikasikan pada jurnal IEE sebanyak 12 artikel. Hasil penelitian menunjukan bahwa topik penelitian tentang pembayaran seluler atau mobile payment atau e-wallet masih didominasi oleh penggunaan model teori Technology acceptance Model (TAM), Trust dan perceived usefulness masih menjadi variable penelitian terbanyak, pilihan penggunaan metode survey,dengan tools analisis Structural Equation Model (SEM) khususnya PLS (partial least square), didominasi secara geografis pada penelitian pada negara berkembang (developing Country). Untuk penelitian selanjutnya penulis menyarankan perlu adanya penambahan kata kunci agar lebih banyak hasil penelitian yang lebih akurat dan komprehensif.

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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 ◽

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

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Analisis Bibliometrik Perkembangan Penelitian Penggunaan Pembayaran Seluler Dengan Vosviewer

Jurnal Interkom ◽

10.35969/interkom.v16i1.92 ◽

2021 ◽

Vol 16 (1) ◽

pp. 10-17

Author(s):

Femmy Effendy ◽

Vanessa Gaffar ◽

Ratih Hurriyati ◽

Heny Hendrayati

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Structural Equation ◽

Equation Model ◽

Partial Least Square ◽

Perceived Usefulness ◽

Least Square ◽

Mobile Payment ◽

Microsoft Excel ◽

Acceptance Model

Penelitian ini mengkaji perkembangan penelitian dengan topik penggunaan pembayaran seluler mobile payment, e-wallet. Kajian bertujuan untuk mengetahui: (1) perkembangan jumlah publikasi internasional bidang penggunaan pembayaran seluler mobile payment, w-wallet pada database Scopus dari tahun 2016 -2020; (2) jurnal inti dalam publikasi internasional penggunaan pembayaran seluler mobile payment, e-wallet (3) peta perkembangan publikasi internasional penelitian bidang penggunaan pembayaran seluler mobile payment, e-wallet berdasarkan kata kunci (co-word). Pengumpulan data dengan cara melakukan penelusuran melalui scopus dengan kata kunci mobile payment, mobile, payment, e-wallet, electronic walet, dengan katagori article title, abstract, keywords dalam kurun waktu 2016 –2020. Data berupa jumlah publikasi pertahun, jurnal yang memuat artikel mobile payment, mobile, payment, e-wallet, electronic walet, dan subjek dianalisis menggunakan Microsoft Excel. Sedangkan untuk tren pemetaan topik dianalisis dengan menggunakan sofware VosViewer. Hasil penelitian menunjukkan bahwa perkembangan pertumbuhan tahun 2016 - 2020 yang terindek di Scopus tertinggi terjadi pada tahun 2020 yang mencapai 82 publikasi (30.5 %). Publikasi internasional terbanyak dipublikasikan pada jurnal IEE sebanyak 12 artikel. Hasil penelitian menunjukan bahwa topik penelitian tentang pembayaran seluler atau mobile payment atau e-wallet masih didominasi oleh penggunaan model teori Technology acceptance Model (TAM), Trust dan perceived usefulness masih menjadi variable penelitian terbanyak, pilihan penggunaan metode survey,dengan tools analisis Structural Equation Model (SEM) khususnya PLS (partial least square), didominasi secara geografis pada penelitian pada negara berkembang (developing Country). Untuk penelitian selanjutnya penulis menyarankan perlu adanya penambahan kata kunci agar lebih banyak hasil penelitian yang lebih akurat dan komprehensif.

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ANALISIS BIBLIOMETRIK PERKEMBANGAN PENELITIAN PENGGUNAAN PEMBAYARAN SELULER DENGAN VOSVIEWER

Jurnal Interkom ◽

10.35969/interkom.v16i1.130 ◽

2021 ◽

Vol 16 (1) ◽

pp. 10-17

Author(s):

Femmy Effendy ◽

Vanessa Gaffar ◽

Ratih Hurriyati ◽

Heny Hendrayati

Keyword(s):

Technology Acceptance ◽

Structural Equation ◽

Survey Methods ◽

Equation Model ◽

Partial Least Square ◽

Perceived Usefulness ◽

Least Square ◽

Mobile Payment ◽

Mobile Payments ◽

Acceptance Model

This study examines trends in research developments with the topic of the use of mobile payments, e-wallets. The study aims to determine: (1) the development of the number of international publications on the use of mobile payments, w-wallets on the Scopus database from 2016-2020; (2) core journals in international publications on the use of mobile payment mobile payments, e-wallets (3) maps of development of international research publications in the field of use of mobile payment mobile payments, e-wallets based on keywords (co-word). The data was collected by searching through Scopus with the keywords mobile payment, mobile, payment, e-wallet, electronic swallow, with the categories article title, abstract, keywords in the period 2016-2020. Data in the form of number of publications per year, journals containing articles on mobile payment, mobile, payment, e-wallet, electronic swallow, and subjects were analyzed using Microsoft Excel. Meanwhile, the topic mapping trend was analyzed using the VosViewer software. The results showed that the highest growth in 2016-2020 indexed in Scopus occurred in 2020 which reached 82 publications (30.5%). Most international publications are published in IEE journals with 12 articles. The results show that the research topic of mobile payments or e-wallets is still dominated by the use of the Technology Acceptance Model (TAM) theory, Trust and perceived usefulness are still the most research variables, the choice of using survey methods, with Structural Equation Model analysis tools. (SEM) especially PLS (partial least square), is dominated geographically in research in developing countries. For further research, the authors suggest the need for additional keywords so that more research results are more accurate and comprehensive.

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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 ◽

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.

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Acceptance of Online Medical Websites: An Empirical Study in China

International Journal of Environmental Research and Public Health ◽

10.3390/ijerph16060943 ◽

2019 ◽

Vol 16 (6) ◽

pp. 943 ◽

Cited By ~ 7

Author(s):

Yuan Tang ◽

Yu-Tao Yang ◽

Yun-Fei Shao

Keyword(s):

Public Health ◽

Technology Acceptance ◽

Rural Areas ◽

Perceived Risk ◽

Structural Equation ◽

Equation Model ◽

Ease Of Use ◽

Perceived Usefulness ◽

Perceived Ease Of Use ◽

Medical Problems

As a new type of public health service product, online medical websites (OMWs) are becoming quite popular. OMWs can address patients’ basic medical problems remotely and give health guidance online. Compared to traditional hospitals, OMWs are more convenient and inexpensive, they can usually provide a better service for patients with poor medical conditions (especially in rural areas), and they also contribute to the rational distribution of medical resources. Therefore, key factors that affect patients’ acceptance of OMWs must be identified to contribute to public health. By integrating perceived risk (PR) and the technology acceptance model (TAM), we proposed a modified TAM and clarified how PR and other factors affect patients’ behavioral intention (BI) towards OMWs. A sample of 245 research participants in China took part in this study and the structural equation model (SEM) was used to test our hypotheses. The results revealed that perceived usefulness (PU) is a positive predictor of BI but has no significant effect on attitude (ATT), while perceived ease of use (PEOU) can affect BI through PU and attitude (ATT). Moreover, trust (TRU) was identified as a mediator of PR and PU/PEOU. Also, the doctor–patient relationship (DPR) was shown to moderate PR and TRU. In order to increase patients’ BI, OMW providers need further innovations to improve patients’ TRU and reduce their PR.

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ANALISIS TECHNOLOGY ACCEPTANCE MODEL APLIKASI LINKAJA

Jurnal Riset Ekonomi dan Bisnis ◽

10.26623/jreb.v13i3.2861 ◽

2020 ◽

Vol 13 (3) ◽

pp. 164

Author(s):

Anggit Esti Irawati ◽

Ehrmann Suhartono

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Perceived Risk ◽

Structural Equation ◽

Ease Of Use ◽

Perceived Usefulness ◽

Equation Modeling ◽

Perceived Ease Of Use ◽

Actual Use ◽

Acceptance Model

Potensi penggunaan e-money sangat besar dan menarik perhatian sebagai cara pembayaran alternatif di seluruh dunia. Pemerintah melalui Bank Indonesia menggerakkan masyarakat untuk melakukan Gerakan Nasional Non Tunai (GNNT). Namun, hanya lapisan masyarakat tertentu yang sudah terbiasa menggunakan transaksi dengan e-money. Sebagian masyarakat beranggapan bahwa transaksi pembayaran menggunakan e-money masih terdapat banyak kekurangan. Penelitian ini bertujuan untuk menguji Technology Acceptance Model (TAM) yaitu perceived ease of use dan perceived usefulness, selain itu juga menambahkan perceived risk untuk mengetahui pengaruh terhadap attitude toward using dan actual use terhadap penggunaan aplikasi LinkAja. Metode analisis menggunakan Structural Equation Modeling (SEM) dengan alat analisis SmartPLS. Penelitian ini dilakukan dengan metode survei dan sampel diambil menggunakan teknik purposive sampling terhadap responden yang menggunakan aplikasi LinkAja di seluruh Indonesia. Responden yang diperoleh sebanyak 200 responden. Hasil penelitian menunjukkan bahwa perceived ease of use dan perceived usefulness berpengaruh positif signifikan terhadap attitude toward using dan actual use. Perceived risk tidak berpengaruh signifikan terhadap actual use aplikasi LinkAja.

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A Survey on User Acceptance of Wireless Electric Vehicle Charging

World Electric Vehicle Journal ◽

10.3390/wevj9030036 ◽

2018 ◽

Vol 9 (3) ◽

pp. 36 ◽

Cited By ~ 3

Author(s):

Daniel Fett ◽

Axel Ensslen ◽

Patrick Jochem ◽

Wolf Fichtner

Keyword(s):

Technology Acceptance ◽

Electric Vehicle ◽

Structural Equation ◽

User Acceptance ◽

Equation Model ◽

Perceived Usefulness ◽

Wireless Charging ◽

Electric Vehicle Charging ◽

Vehicle Charging ◽

Acceptance Model

This study presents results of a survey-based analysis on user acceptance of wireless electric vehicle charging. A structural equation model is developed based on Davis’ technology acceptance model (TAM). It is expanded integrating elements of Ajzen’s theory of planned behavior (TPB). The main factors influencing acceptance of wireless electric vehicle charging are evaluated and analyzed. Empirical findings indicate that survey participants’ acceptance of wireless electric vehicle charging is mainly influenced by affective evaluations of wireless charging, subjective norms, perceived usefulness of wireless charging, and environmental awareness. The results indicate a high degree of acceptance for wireless charging. Even individuals with lower degrees of acceptance are willing to use wireless charging within car-sharing or commercial fleets.

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