Factors Predicting the Behavioral Adoption of Electronic Payment System (EPS)

2021 ◽  
Vol 13 (1) ◽  
pp. 88-104
Author(s):  
Isaac Kofi Mensah ◽  
Guohua Zeng ◽  
Chuanyong Luo ◽  
Xiao Zhi-wu ◽  
Mengqiu Lu
Keyword(s):  
Structural Equation ◽  
Equation Modeling ◽  
Intention To Use ◽  
Electronic Payment ◽  
Payment Systems ◽  
Perceived Trust ◽  
Performance Expectancy ◽  
Effort Expectancy ◽  
Perceived Security ◽  
The Individual

This study explored the behavioral adoption of electronic payment systems (EPS) among college students in China based on the UTAUT framework as the theoretical foundation of the study. The analysis was conducted using the partial least squares structural equation modeling (PLS-SEM) technique. The results have demonstrated that performance expectancy, effort expectancy, and perceived security were all significant in predicting the intention to use electronic payment systems. Perceived trust however was not a significant determinant of the intention to use. The individual user past experience was found to predict significantly the performance expectancy, effort expectancy, perceived security, and perceived trust of EPS. The managerial and theoretical implications of these findings on the design and diffusion of electronic payment systems are discussed.

The Factors Influencing Taxpayers' Acceptance of E-Taxation System

2015 ◽  
pp. 105-121
Author(s):  
Adnan Gercek ◽  
Tolga Demirbas ◽  
Filiz Giray ◽  
Ayse Oguzlar ◽  
Mehmet Yuce
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Model Performance ◽  
Equation Modeling ◽  
Intention To Use ◽  
Government Services ◽  
Performance Expectancy ◽  
Effort Expectancy ◽  
Facilitating Conditions ◽  
Taxation System

E-taxation is one of the most popular e-government services. Most countries are focused on implementing an e-taxation system. The success of an e-taxation system depends on the taxpayers' acceptance of it. The taxpayers' intention to use an e-taxation system is determined by various factors. This chapter, based on empirical data collected from a survey of 505 respondents in Turkey, seeks to identify the factors that influence the taxpayers' acceptance of e-taxation system. It test various constructs of the UTAUT model – performance expectancy, trust perception, perceived risk, effort expectancy and facilitating conditions – on Turkish taxpayers' intention to use the e-taxation system. Structural equation modeling is used to analyze the effects of these variables on intention to use. The results indicate that performance expectancy and perceived risk have a significant impact on behavioral intention and that effort expectancy and facilitating conditions have a significant impact on intention to use.

Effects of trust and perceived risk on user acceptance of a new technology service

2013 ◽  
Vol 41 (4) ◽  
pp. 587-597 ◽  
Author(s):  
Ji-Hwan Lee ◽  
Chi-Hoon Song
Keyword(s):  
Social Influence ◽  
Perceived Risk ◽  
Structural Equation ◽  
New Technology ◽  
Equation Modeling ◽  
Intention To Use ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
The Republic

We explored the precise impacts of trust and perceived risk on the core constructs of the unified theory of acceptance and use of technology (UTAUT). We applied the UTAUT model to the novel context of the Certified e-Document Authority (CeDA) service used in the Republic of Korea. Our results from structural equation modeling largely supported our hypotheses. Trust and perceived risk were shown to be direct antecedents of intention to use, and trust functioned as an indirect antecedent. Performance expectancy and social influence were shown to positively affect behavioral intention. Effort expectancy was also shown to influence performance expectancy. The combination of trust, perceived risk, performance expectancy, effort expectancy, and social influence accounted for 55.3% of the variance observed in users' intention to use CeDA services.

scholarly journals Transformation electronic payment system as predictor on financial satisfaction

2022 ◽  
Vol 10 (8) ◽  
pp. 250-256
Author(s):  
Andro Agil Nur Rakhmad Nur Rakhmad ◽  
Dediek Tri Kurniawan Kurniawan ◽  
Yesiana Ihda Kusnayain
Keyword(s):  
Financial Services ◽  
Structural Equation ◽  
Payment System ◽  
Equation Modeling ◽  
Financial Satisfaction ◽  
Electronic Payment ◽  
Payment Systems ◽  
The Individual ◽  
And Behavior ◽  
Electronic Payment System

Digitalization in Indonesia has entered a new phase, the development of technology that makes several services run more efficiently and more flexible. Digital services that are quite complex are financial services such as electronic payment systems. Currently, the payment system is able to increase the overall satisfaction of the individual. This study examines the role of using an electronic payment system and the determinants of individual financial satisfaction as a whole. This study uses structural equation modeling (SEM) to test hypotheses regarding financial satisfaction. The results of this study prove that financial capability is able to increase financial satisfaction. However, different results show that the use of an electronic payment system does not affect financial satisfaction. This finding can expand the literature review on digital awareness, satisfaction and behavior in addressing individual financial satisfaction.

Modeling the Factors that Influence Ghanaian Entrepreneurs to Adopt e-Commerce

2021 ◽  
Vol 18 (06) ◽  
Author(s):  
Frederick Pobee
Keyword(s):  
Structural Equation ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Unified Theory ◽  
Cross Sectional ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Facilitating Conditions

This study investigated the factors that influence Ghanaian entrepreneurs to adopt e-commerce. Cross-sectional data was gathered from 520 entrepreneurs in the most populous and industrious regions in Ghana. The unified theory of acceptance and use of technology (UTAUT) was employed to effectively understand the unexplored phenomenon of e-commerce adoption among Ghanaian entrepreneurs. Partial Least Square-Structural Equation Modeling (PLS-SEM) was used to test the hypothesized relationships. The findings indicate that performance expectancy, effort expectancy, and social influence (SI) positively and significantly influenced the behavioral intention (BI) to adopt e-commerce. Facilitating conditions (FC) and BI had a significant positive relationship with the adoption of e-commerce.

The Moderating Effects of Gender on E-Commerce Systems Adoption Factors

2018 ◽  
Vol 9 (4) ◽  
pp. 86-104
Author(s):  
Frederick Pobee ◽  
Daniel Opoku
Keyword(s):  
Behavioral Intention ◽  
Structural Equation ◽  
Equation Modeling ◽  
Moderating Effects ◽  
Performance Expectancy ◽  
Adoption Factors ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Actual Use ◽  
Facilitating Conditions

The purpose of this article was to investigate the moderating effects of gender on e-commerce systems adoption factors among university lecturers in Ghana. In order to achieve this purpose, the unified theory of acceptance and use of technology (UTAUT) was used as the theoretical lens for the study. Eight hypotheses were developed and tested. Data analysis was performed with a structural equation modeling (SEM) technique using SmartPLS Application. Using a survey of 223 respondents, the study showed that factors such as performance expectancy, effort expectancy, and facilitating conditions positively and significantly influenced Ghanaian lecturers' behavioral intention and ultimately the actual use of e-commerce systems. As for the moderating effects of gender, this study discovered that gender insignificantly moderated the effects of performance expectancy, effort expectancy and social influence on behavioral intention.

scholarly journals FACTORS INFLUENCING REPURCHASE INTENTION IN ONLINE SHOPPING CONTEXT: THE MEDIATING ROLE OF SATISFACTION

2018 ◽  
Vol 2 (1) ◽  
pp. 29-43
Author(s):  
Xin Jean Lim ◽  
Eugene Cheng-Xi Aw ◽  
Kenny Guan-Cheng Teoh
Keyword(s):  
Structural Equation ◽  
Online Shopping ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Future Research ◽  
Repurchase Intention ◽  
Performance Expectancy ◽  
Factors Influencing ◽  
Effort Expectancy

This study investigates the factors influencing repurchase intention in online shopping context.Self-efficacy and trust were integrated with Unified Theory of Acceptance and Use of Technology (UTAUT) components, namely performance expectancy and effort expectancy in explaining online repurchase intention. It was hypothesized that performance expectancy, effort expectancy, self-efficacy, and trust influence satisfaction and online repurchase intention. Satisfaction was posited to mediate the relationships between the proposed antecedents and online repurchase intention. 211 use able responses were collected through purposive sampling method and the data was analyzed using Partial Least Square Structural Equation Modeling (PLS-SEM). All proposed hypotheses were supported except the effects of effort expectancy and performance expectancy on online repurchase intention. All mediating effects of satisfaction proposed were found to be significant. Based on the findings, implications and future research directions were discussed.

A two-stage structural equation modeling-neural network approach for understanding and predicting the determinants of m-government service adoption

2019 ◽  
Vol 21 (4) ◽  
pp. 419-438 ◽  
Author(s):  
Shamim Talukder ◽  
Raymond Chiong ◽  
Sandeep Dhakal ◽  
Golam Sorwar ◽  
Yukun Bao
Keyword(s):  
Neural Network ◽  
Structural Equation ◽  
Equation Modeling ◽  
Intention To Use ◽  
Government Service ◽  
Content Type ◽  
Service Adoption ◽  
Government Services ◽  
Performance Expectancy ◽  
And Performance

Purpose Despite the widespread use of mobile government (m-government) services in developed countries, the adoption and acceptance of m-government services among citizens in developing countries is relatively low. The purpose of this study is to explore the most critical determinants of acceptance and use of m-government services in a developing country context. Design/methodology/approach The unified theory of acceptance and use of technology (UTAUT) extended with perceived mobility and mobile communication services (MCS) was used as the theoretical framework. Data was collected from 216 m-government users across Bangladesh and analyzed in two stages. First, structural equation modeling (SEM) was used to identify significant determinants affecting users' acceptance of m-government services. In the second stage, a neural network model was used to validate SEM results and determine the relative importance of the determinants of acceptance of m-government services. Findings The results show that facilitating conditions and performance expectancy are the two important precedents of behavioral intention to use m-government services, and performance expectancy mediates the relationship between MCS, mobility and the intention to use m-government services. Research limitations/implications Academically, this study extended and validated the underlying concept of UTAUT to capture the adoption behavior of individuals in a different cultural context. In particular, MCS might be the most critical antecedent towards mobile application studies. From a practical perspective, this study may provide valuable guidelines to government policymakers and system developers towards the development and effective implementation of m-government systems. Originality/value This study has contributed to the existing, but limited, literature on m-government service adoption in the context of a developing country. The predictive modeling approach is an innovative approach in the field of technology adoption.

scholarly journals E-Government Services Adoption: An Extension of the Unified Model of Electronic Government Adoption

SAGE Open ◽  
2020 ◽  
Vol 10 (2) ◽  
pp. 215824402093359
Author(s):  
Isaac Kofi Mensah ◽  
Guohua Zeng ◽  
Chuanyong Luo
Keyword(s):  
Structural Equation ◽  
Unified Model ◽  
Electronic Government ◽  
Equation Modeling ◽  
Intention To Use ◽  
Perceived Service Quality ◽  
Government Services ◽  
Effort Expectancy ◽  
Facilitating Conditions ◽  
Behavioral Intention To Use

This study proposed and validated an extension of the unified model of electronic government adoption (UMEGA). The data analysis was conducted with a structural equation modeling technique using Smart PLS 3.0. The results have demonstrated contrary to expectations that performance expectancy, effort expectancy, and social influence do not predict the attitude toward the use of e-government services. Facilitating conditions, however, were found to significantly determine both the behavioral intention to use and effort expectancy of e-government services. Also, perceived service quality and trust in government were found to positively predict, respectively, the intention to use and recommend the adoption of e-government services. The implications of these and other result findings of this study are thoroughly interrogated.

scholarly journals Toward an Understanding of University Students’ Continued Intention to Use MOOCs: When UTAUT Model Meets TTF Model

SAGE Open ◽  
2020 ◽  
Vol 10 (3) ◽  
pp. 215824402094185
Author(s):  
Liyong Wan ◽  
Shoumei Xie ◽  
Ai Shu
Keyword(s):  
University Students ◽  
User Satisfaction ◽  
Structural Equation ◽  
Equation Modeling ◽  
Utaut Model ◽  
Mediating Role ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Facilitating Conditions

This study tries to propose a unified model integrating the unified theory of acceptance and use of technology (UTAUT) model, task–technology fit (TTF) model, and user satisfaction to investigate the determinants that affect university students’ continued intention of using massive open online courses (MOOCs). Based on the data of a survey on 464 respondents, structural equation modeling is adopted to assess the model. The results reveal that performance expectancy, effort expectancy, social influence, and user satisfaction are the crucial predictors of university students’ continued intention. TTF has an indirect influence on continued intention through user satisfaction. Performance expectancy is affected both by effort expectancy and TTF. Facilitating conditions do not directly influence continued intention; however, they present indirect influences in that they play a mediating role for user satisfaction. The findings help researchers and practitioners to attain a better understanding of university students’ continued usage intention of MOOCs. The implications and limitations of this study are also described.

scholarly journals Examining factors that effect on the acceptance of mobile commerce in Malaysia based on revised UTAUT

2020 ◽  
Vol 20 (3) ◽  
pp. 1173
Author(s):  
Mohammed A. Sabri Alrawi ◽  
Ganthan Narayana Samy ◽  
Rasimah Che Mohd Yusoff ◽  
Bharanidharan Shanmugam ◽  
Rajasekaran Lakshmiganthan ◽  
...  
Keyword(s):  
Structural Equation ◽  
Mobile Commerce ◽  
Behavioural Intention ◽  
Future Research ◽  
Intention To Use ◽  
Factors Affecting ◽  
Moderating Variables ◽  
Perceived Trust ◽  
Performance Expectancy ◽  
Use Of Technology

<p>This <span>study presents an amended unified theory of acceptance and use of technology (UTAUT) which explores key factors affecting Malaysian consumers ' willingness to accept mobile-commerce. A questionnaire survey has been used to collect information from 400 Malaysian smartphone users using a random stratified sample and analyzed using structural equation modelling (SEM); with the use of Smart PLS 3.0. Results show that acceptance and use of mobile-commerce services can also be predicted by the behavioural intentions of users, whose performance expectancy, efforts expectations, social effects, mobility, personal innovations and perceived trust are significantly affected. From these variables, perceived trust is the most significant determinant that directly affects behavioural intention to use mobile-commerce services in Malaysia. It is then followed by mobility, personal innovation, social influence, performance expectancy then effect expectancy. Facilitating Conditions and moderating variables such as gender, age, education, income, marital status, experience and payment have no significant effect on Behavioral Intention to use mobile-commerce services in Malaysia. In conclusion, this study shows that behavioural intention and the use of mobile commerce services in Malaysia have a direct effect. The study will help dealers to avoid spending thousands of dollars on investments that have little impact on whether the customer is embracing and using mobile-commerce. The study also provides quantified indicators and offers a framework for the understanding of the Malaysia mobile-commerce system. The report concludes with a study of the effects of the research findings and provides recommendations for future research.</span></p>

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