An Empirical Study of User Acceptance Behaviours of Internet Banking in Tunisia Using UTAUT2 Model

2021 ◽  
Vol 12 (4) ◽  
pp. 16-34
Author(s):  
Wadie Nasri
Keyword(s):  
Structural Equation ◽  
Positive Impact ◽  
Internet Banking ◽  
Equation Model ◽  
Behavioural Intention ◽  
Mobile Banking ◽  
Use Of Technology ◽  
Proposed Model ◽  
Facilitating Conditions ◽  
Internet Banking Services

The conceptual model proposed was based on the extended unified theory of acceptance and use of technology (UTAUT2). The proposed model was empirically tested using survey data provided by 203 respondents and was analyzed using a structural equation model (SEM). The analysis results indicated that performance expectancy, effort expectancy, social influence, and facilitating conditions show a significant positive impact on the users' behavioural intention to use internet banking services. However, price value, hedonic motivation, and habit do not positively influence the behavioural intention. This study offers Tunisian banks some guidelines to develop strategies and to improve their services in order to increase the adoption of mobile banking by their customers.

Acceptance of Internet Banking in Tunisian Banks

2021 ◽  
Vol 17 (3) ◽  
pp. 22-41
Author(s):  
Wadie Nasri
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Services Quality ◽  
Positive Impact ◽  
Internet Banking ◽  
Equation Model ◽  
Banking Services ◽  
Use Of Technology ◽  
New Research ◽  
Internet Banking Services

The purpose of this study is to examine the factors which affect internet banking adoption acceptance in Tunisian banks by using the modified unified theory of acceptance and use of technology (UTAUT) model by adding attitude, trust, perceived risk, and perceived internet banking services quality. The proposed model was empirically tested using survey data provided by 203 respondents and was analyzed using a structural equation model (SEM). The analysis results indicated that performance expectancy, attitude, facilitating conditions, social influence, and perceived internet banking services quality show a significant positive impact on the users' behavioural intention to use internet banking services. This study contributes to the literature by providing a new research model for understanding internet banking adoption in Tunisia, and its findings provide useful guidelines to develop strategies and to improve their services in order to increase the adoption of mobile banking by their customers.

scholarly journals Students’ Acceptance of Simulation Games in Management Courses: Evidence from Saudi Arabia

2020 ◽  
Vol 9 (4) ◽  
pp. 55
Author(s):  
Dalal Bamufleh ◽  
Reem Hussain ◽  
Eman Sheikh ◽  
Khlood Khodary
Keyword(s):  
Saudi Arabia ◽  
Positive Impact ◽  
Partial Least Square ◽  
Least Square ◽  
Simulation Games ◽  
Positive Effects ◽  
Use Of Technology ◽  
Proposed Model ◽  
Facilitating Conditions ◽  
Use Behavior

As a new trend in learning, simulation games play an active and essential role in the area of educational technology. Gaming makes a positive impact on the learning process. It has the capability to enhance creativity, problem-solving, communication, decision-making, and collaboration (Faizan et al., 2015). This paper is aimed at exploring the factors that affect students’ acceptance and use of simulation games in management courses. In this study, the unified theory of acceptance and use of technology (UTAUT) is utilized to investigate students’ intentions regarding using simulation games for learning. The proposed model and its hypotheses are tested by surveying 115 students at Yanbu University College in Saudi Arabia. Data are gathered and analyzed using smart partial least square. After analysis, the results prove that performance expectancy, effort expectancy, and social influence have positive effects on behavioral intentions (BI) and that facilitating conditions have a positive impact on use behavior (UB). In addition, a positive effect is found between BI and UB. The authors utilize the study findings to highlight some recommendations that could improve the implementation of simulation games. Finally, future studies are recommended to increase the sample size for more reliable results and conclusions.

scholarly journals Analysis of the Acceptance Factor of Android-Based Parking Information Systems in Indonesia

2020 ◽  
Vol 22 (2) ◽  
pp. 97-106
Author(s):  
Romi Ilham ◽  
Nanang Shonhadji ◽  
Hariadi Yutanto ◽  
Diah Ekaningtyas
Keyword(s):  
Structural Equation ◽  
Structural Equation Models ◽  
Behavioural Intention ◽  
Performance Expectations ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Smartphone Technology ◽  
The Government ◽  
Facilitating Conditions ◽  
The Way

Parking is an unrelenting problem, with more vehicles having an impact on the way how to park a vehicle. Some experts have made various breakthroughs in overcoming parking problems; one of them is using smartphone technology as a system to facilitate the way to park. This study aims to analyse user acceptance using the Unified Theory of Acceptance and Use of Technology UTAUT method with structural equation models (SEM-PLS), against 221 respondents. The result is that performance expectations, effort expectancy, and social influence variables have a significant effect on behavioural intention. Then the facilitating conditions variable and behavioural intention significantly influence the use of behaviour for using smartphone parking systems. Furthermore, this research is expected to help the government to find out what factors affect the parking system.

scholarly journals GHANA’S ROAD TO CASHLESS ECONOMY: THE E-ZWICH EXPERIENCE

2020 ◽  
Vol 11 (1) ◽  
pp. 52-67
Author(s):  
Bismark Addai ◽  
Benedict Arthur
Keyword(s):  
Behavioral Intentions ◽  
Structural Equation ◽  
Equation Model ◽  
Utaut Model ◽  
Actual Usage ◽  
Use Of Technology ◽  
System Acceptance ◽  
The Government ◽  
And Gender ◽  
Facilitating Conditions

In 2008, the Government of Ghana (GoG) through the Bank of Ghana (BoG) and Ghana Interbank Payment and Settlement System (GHIPSS) launched a smart card called e-zwich which formed a central part of the government’s plan to move the country towards a cashless economy. Modernization of the cash sector has remained at best in a confused state since it was launched and at worst an embarrassing drawback. In this article, we employ the Unified Theory of Acceptance and Use of Technology (UTAUT) and the structural equation model to estimate users' behavioral intentions and actual usage of the cashless system. The structural results show that eleven out of the fourteen hypotheses are statistically significant, while the remaining three are statistically insignificant. The results also indicate that performance efficiency, effort efficiency, and social influence significantly influence the behavioral intentions of people to use the cashless system, and the age and gender of users significantly moderate the three constructs. Behavioral intentions and facilitating conditions are also found to influence actual usage of the cashless system significantly. This study fills the gap in the applicability of the UTAUT model in a central cashless system acceptance and usage. The study also provides empirical evidence on how demographic factors such as age, education, and gender moderate the relationships among the major constructs of the UTAUT model. For the first time, we support the empirical findings on the moderating effect of age in the UTAUT model with established economic theory, the life-cycle theory. We have outlined recommendations in detail on some important considerations needed to achieve smart financial economy in Ghana, and such achievement could be emulated by other countries that are yet to implement a central cashless system. 

Behavioural Intention to Use Mobile Banking

2020 ◽  
Vol 12 (3) ◽  
pp. 1-20
Author(s):  
Sanjay Dhingra ◽  
Shelly Gupta
Keyword(s):  
Social Influence ◽  
Service Providers ◽  
Reliability And Validity ◽  
Behavioural Intention ◽  
Primary Data ◽  
New Delhi ◽  
Mobile Banking ◽  
Proposed Model ◽  
Facilitating Conditions ◽  
The City

This study aims to identify the factors that impact the perception of an individual to adopt mobile banking. The study employed UTAUT 2 model which conceptualises eight dimensions which are performance expectancy, social influence, effort expectancy, hedonic motivation, facilitating conditions, habit, price value with trust as an additional dimension. Primary data was collected through a structured questionnaire from 252 users of mobile banking in the city of New Delhi, India. Reliability and validity of the proposed model have been tested. The result of structural modeling revealed habit as the most important factor to influence the behavioural intention of the user followed by facilitating conditions, trust, hedonic motivation, and social influence, in that order. To boost the adoption of mobile banking services, service providers should focus on the identified dimensions in order of their importance.

Investigating Influence of Moderators in Adopting Internet: Indian Seniors Perspective

2020 ◽  
pp. 097215092090869
Author(s):  
Hory Sankar Mukerjee ◽  
G. K. Deshmukh ◽  
Dewashish Mukherjee ◽  
Nidhi Chawla
Keyword(s):  
Structural Equation ◽  
Behavioural Intention ◽  
The Internet ◽  
Intention To Use ◽  
Actual System ◽  
Actual Usage ◽  
Use Of Technology ◽  
System Use ◽  
And Gender ◽  
Facilitating Conditions

Present study identifies Indian seniors’ intention to use the internet and actual usage along with influence of age, gender, education and experience as moderators. This study proposes modifications in unified theory of acceptance and use of technology (UTAUT) model while adding education as moderators and also studied relationship between facilitating conditions (FC) and behavioural intention. The proposed research model was empirically tested by data collected from 371 Indian seniors above the age of 50 years through offline survey. The collected data were analysed using structural equation modelling (SEM) and multiple moderation analysis. The result revealed that performance expectancy (PE), effort expectancy (EE), subjective norm (SN), technology anxiety (TA) significantly influence elders’ behavioural intention (BI) to use and adopt internet except FC. Further BI resulted in actual system use which is also determined by FC. Actual system use is predicted by three variables: learning, place of access and health conditions. In this study only age and gender were emerged as moderators. Findings of the study have important implications particularly to understand determinants of Indian seniors’ intention to use the internet and actual usage along with influence of moderators.

scholarly journals Extending the UTAUT model to understand the customers’ acceptance and use of internet banking in Lebanon

2016 ◽  
Vol 29 (4) ◽  
pp. 830-849 ◽  
Author(s):  
Ali Tarhini ◽  
Mazen El-Masri ◽  
Maged Ali ◽  
Alan Serrano
Keyword(s):  
Structural Equation ◽  
Developed Countries ◽  
Internet Banking ◽  
Government Support ◽  
Cross Sectional Survey ◽  
Cross Sectional ◽  
Content Type ◽  
Actual Usage ◽  
Use Of Technology ◽  
Facilitating Conditions

Purpose A number of studies have shown that internet banking (IB) implementation is not only determined by banks or government support, but also by perceptions and experience of IB users. IB studies have showed encouraging results from academics in developed countries. Yet little is known about the user adoption of IB in Lebanon. The purpose of this paper is to investigate the factors that may hinder or facilitate the acceptance and usage of IB in Lebanon. Design/methodology/approach A conceptual framework was developed through extending the unified theory of acceptance and use of technology (UTAUT) by incorporating two additional factors namely; perceived credibility (PC) and task-technology fit (TTF). A quantitative approach based on cross-sectional survey was used to collect data from 408 IB consumers. Data were analysed using structural equation modelling based on AMOS 20.0. Findings The results of the structural path revealed that performance expectancy (PE), social influence, PC and TTF to be significant predictors in influencing customers’ behavioural intention (BI) to use IB and explained 61 per cent of its variance, with PE was found the strongest antecedent of BI. Contrary to the UTAUT, the effect of effort expectancy on BI was insignificant. In addition, both BI and facilitating conditions were found to affect the actual usage behaviour and explained 64 per cent of its variance Practical implications This study would be helpful for bank managers and policy makers to explain the currently relatively low penetration rate of IB in formulating strategies to encourage the adoption and acceptance of IB by Lebanese customers, where IB is still considered an innovation. Originality/value This study is the first research that extend the UTAUT by incorporating two additional factors namely; PC and TTF to study the IB in the Lebanese context. This study contributes to the research on computer technology usage by looking at IB adoption and incorporation into the lives of customers via the BI to use and actual usage of IB in Lebanon.

scholarly journals Promoting interactions between lecturers and students in classrooms via mobile technologies: An empirical study

2017 ◽  
Author(s):  
Chin Lay Gan ◽  
Vimala Balakrishnan
Keyword(s):  
Mobile Technology ◽  
Technology Use ◽  
Structural Equation ◽  
Information Quality ◽  
System Development ◽  
Equation Model ◽  
Uncertainty Avoidance ◽  
Behavioural Intention ◽  
Mobile Technologies ◽  
Proposed Model

The current study sets out to identify determinants affecting behavioural intention to use mobile technology in lecture classes. The research emphasizes the reason for using mobile technology during lectures with large number of students is to facilitate interactions among students and lecturers. The proposed conceptual framework has four main antecedents of behavioural intention: System perception, intrinsic motivation, system and information quality, and uncertainty avoidance. Sample data was collected from 396 tertiary students. Results from structural equation model on the sample indicated that behavioural intention was significantly influenced by system and information quality, followed by intrinsic motivator, and uncertainty avoidance. System perception was not significantly predictive of behavioural intention. The proposed model explained 54% of the variance in behavioural intention of mobile technology use in lecture classes. The study findings are indicative of the importance of system development efforts to ensure overall quality system design. The findings further suggest that mobile technology may serve as a tool to facilitate interaction among students and lecturers in large lecture classes.

Teenagers’ behavioural intention towards wearable technologies and intention to recommend others: an empirical study in Bangladesh

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Md. Shahinur Rahman ◽  
Samir Das ◽  
Gazi Md. Shakhawat Hossain ◽  
Tajia Tajrin
Keyword(s):  
Structural Equation ◽  
Sustainable Use ◽  
Decision Makers ◽  
Behavioural Intention ◽  
Content Type ◽  
Wearable Technologies ◽  
Intention To Adopt ◽  
Use Of Technology ◽  
Model Combining ◽  
Facilitating Conditions

Purpose The purpose of this study is to investigate the factors, which drive teenagers’ behavioural intention to adopt wearable technologies and their behavioural intention to recommend others. Design/methodology/approach This study proposes a new adoption model combining two different models including the extended unified theory of acceptance and use of technology and the theory of planned behaviour, which provided relevant contributions for understanding the adoption of wearable technologies. A structural equation modelling approach using analysis of a moment structures 23 software was used to analyse the data collected from 318 respondents. Findings Findings of this study reveals that performance expectancy (β = 0.28; t = 2.049), facilitating conditions (β = 0.28; t = 1.989), social influence (β = 0.23; t = 3.150) and attitude (β = 0.18; t = 3.246) have a statistically significant impact on behavioural intention. Additionally, behavioural intention (β = 0.15; t = 2.543) and attitude (β = 0.15; t = 3.261) have a statistically significant impact on intention to recommend others. However, effort expectancy, price value, hedonic motivation and habit did not have a significant influence on behavioural intention. Practical implications In this study, the understanding of the determinants contributing to teenagers’ behavioural intention to use wearable technologies and driving their intention to recommend others to adopt these devices will provide insights to practitioners and decision makers to customize the features of wearable devices to promote sustainable use of these technologies. Originality/value This study is among the first to investigate wearable technologies from behavioural perspectives especially on teenagers in Bangladesh. Hence, the findings of this study will help to comprehensively explain teenagers’ behavioural intention to adopt wearable technologies and their intention to recommend others.

Investigation into the adoption of open government data among students: the behavioural intention-based comparative analysis of three countries

2022 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Martin Lněnička ◽  
Anastasija Nikiforova ◽  
Stuti Saxena ◽  
Purnima Singh
Keyword(s):  
Structural Equation ◽  
Positive Impact ◽  
Open Data ◽  
Behavioural Intention ◽  
Open Government ◽  
Content Type ◽  
Innovation Activities ◽  
Use Of Technology ◽  
Open Government Data ◽  
Government Data

PurposeOpen government data (OGD) are considered as a technology capable of promoting transparency openness, and accountability, which in turn has a positive impact on innovation activities and creates responsive government, collaboration, cooperation, co-creation and participation. The purpose of this paper is to explore the adoption of OGD and open data portals among students, in an attempt to discover how governments can improve their actions in this respect.Design/methodology/approachThis study develops a behavioural intention-based analysis using constructs from the Unified Theory of Acceptance and Use of Technology, which is supplemented with additional constructs that meet the purpose of the study. In total, ten constructs divided into 33 items constituted the input for our study. Input data for the developed model have been collected through a structured questionnaire distributed between bachelor's and master's level students in three countries – the Czech Republic, India and Latvia. A structural equation modelling technique was used to analyse the relationships between variables of the model and test the nine hypothesis defined.FindingsSix constructs have been identified to facilitate significant relationships with behavioural intention. The analysis of the results of the three countries allows us to draw more objective conclusions in respect to the aim of the study and to reveal country-specific aspects that need to be addressed in the future.Originality/valueThis study adds to the existing literature few theoretical and practical aspects. It highlights the role of open data portals as a central point of OGD infrastructures. It enables governments to understand the relationships among the related constructs, improving their actions and modifying their data infrastructures accordingly.

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