The Moderating Effect of Individual Differences on the Acceptance and Use of Internet Banking

2020 ◽  
Vol 18 (3) ◽  
pp. 95-116
Author(s):  
Mazen El-Masri
Keyword(s):  
Structural Equation ◽  
Internet Banking ◽  
Moderating Effect ◽  
Cross Sectional Survey ◽  
Cross Sectional ◽  
Use Of Technology ◽  
Facilitating Conditions ◽  
Use Behavior ◽  
Use Of Internet ◽  
The Relationship

This research examines factors influencing the acceptance of internet banking (IB) in Lebanon. It extends the unified theory of acceptance and use of technology (UTAUT) model by including trust as a proxy and then investigates the moderating effect of a set of socio-demographic variables (gender, age, experience) in shaping consumer perceptions towards using IB. A cross-sectional survey was used to collect data from 408 IB consumers in Lebanon. Structural equation modelling was employed as the main method of analysis. The results show that behavioral intention (BI) was significantly influenced by performance expectancy (PE), social influence (SI), trust (TRU) and effort expectancy (EE) in their order of influencing power. Moreover, facilitating conditions (FC) and BI significantly influenced use behavior (UB). Gender moderated the relationship between PE_BI and SI_BI, age moderated the relationship between PE_BI, EE_BI, and FC_UB, and experience moderated the relationship between EE_BI and SI_BI. The theoretical and practical implications are discussed at the end of the article.

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.

Determinant Factors of Physicians' Acceptance of E-Health an Empirical Study

2018 ◽  
pp. 467-482
Author(s):  
Md Rakibul Hoque ◽  
Adnan Mustafa Al Bar ◽  
Md. Jahangir Alam
Keyword(s):  
Behavioral Intention ◽  
Structural Equation ◽  
Least Square ◽  
Cross Sectional Survey ◽  
Cross Sectional ◽  
Personal Innovativeness ◽  
Actual Use ◽  
Facilitating Conditions ◽  
Questionnaire Method ◽  
Use Behavior

This chapter aimed to determine the factors of e-health accepting behavior among the physicians of developing countries. A cross-sectional survey questionnaire method was used for collecting data of this study. To analyze the data the study used structural equation modeling (SEM) with the partial least square (PLS) approach. The findings suggested that performance expectancy, effort expectancy, social influence, and personal innovativeness had a significant impact on the behavioral intention to use e-health and also the behavioral intention had a significant impact on the actual use behavior of e-health of the physicians. Facilitating conditions had neither a significant impact on behavioral intention nor the actual use behavior of e-health of the physicians. The findings of this study would facilitate the degree of more acceptance of e-health technologies by the physicians for their own betterment and a new chapter of knowledge in the research area.

The Diffusion and Adoption of Electronic Payment Systems in Bangkok

2019 ◽  
Vol 15 (2) ◽  
pp. 102-115
Author(s):  
Wornchanok Chaiyasoonthorn ◽  
Watanyoo Suksa-ngiam
Keyword(s):  
Structural Equation ◽  
Negative Relationship ◽  
Internet Banking ◽  
Personal Income ◽  
Equation Modeling ◽  
Electronic Payment ◽  
Payment Systems ◽  
Cross Sectional Survey ◽  
Cross Sectional ◽  
Use Behavior

This article aims to study the diffusion and adoption of electronic payment systems in Bangkok, Thailand. This study is a cross-sectional survey of 394 respondents who lived in Bangkok. This research employs Pearson's correlation and structural equation modeling (SEM) to answer two research questions: 1) How do the socio-economic classes of people show differences in the use of e-payment systems? and 2) What are significant factors driving customers to use e-payment systems? The findings show that user behavior has a positive correlation with personal income. Higher-income people tend to use electronic payment systems more than lower-income people. There is no relationship between areas and use behavior. Moreover, the research shows that adoption readiness, income, and internet banking positively influence use behavior significantly, while electronic money shows a significant negative relationship with use behavior. Education and age indirectly influence use behavior via personal income. The authors also addressed both theoretical and practical implications.

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.

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.

scholarly journals The Relationships between Attitudes, Subjective Norm and Hiring Intention - Does Age Make a Difference?

2019 ◽  
Vol 1 (2) ◽  
Author(s):  
Claudia Lau ◽  
Choong Yuen Onn ◽  
Thamil Durai a/l Chelliah ◽  
Chan Ling Meng
Keyword(s):  
Older Workers ◽  
Structural Equation ◽  
Participation Rate ◽  
Subjective Norm ◽  
Moderating Effect ◽  
Foreign Workers ◽  
Business Organizations ◽  
Cross Sectional ◽  
Labour Shortage ◽  
The Relationship

Objective: Malaysia is currently facing a phenomenon where a growing portion of its older population experiencing a decline in their employment participation rate. Simultaneously, most job vacancies are filled by foreign workers as a result of a labour shortage.  One of the ways to substitute foreign workers is to utilise skilfully and experienced older workers. However, such requires the willingness of business organizations to hire these workers. Therefore, the main objective of the present study is to predict the relationship of managers’ attitudes and subjective norm with their intention to hire older workers, with age as a moderating variable. Methodology: The Theory of Planned Behaviour was identified to include the age of respondents as the moderator on the relationships between attitudes and hiring intention. Cross-sectional data were collected from managers of business organizations via personal administered quantitative surveys questionnaire. Hypotheses were tested using structural equation modelling (SEM-PLS). Results: The response rate was 78% (n=468). The research model accounted for a moderate portion of the variance in overall hiring intention (R2=0.377) and future hiring intention (R2=0.392). The findings suggested that: (1) attitudes and subjective norm are related to overall hiring intention and future hiring intention; (2) age has a moderating effect on the relationship between attitudes and overall hiring intention, but there is no moderating effect on the relationship between attitudes and future hiring intention. Implication: The empirical result has important implications for human resource strategists, academic researchers and public policymakers as it serves as an additional fuel to combat the nation's acute labour shortage by hiring able and willing older workers.

scholarly journals Efeito da gamificação na intenção de uso de treinamentos on-line: uma adaptação do modelo UTAUT aplicado no TRT-2

2019 ◽  
Vol 12 (3) ◽  
pp. 472
Author(s):  
Ludmilla Cavarzere de Oliveira ◽  
Luis Hernan Contreras Pinochet ◽  
Ricardo Luiz Pereira Bueno ◽  
Mauri Aparecido de Oliveira
Keyword(s):  
Structural Equation ◽  
Statistical Significance ◽  
Learning By Doing ◽  
Equation Modeling ◽  
Intention To Use ◽  
Cross Sectional Survey ◽  
Cross Sectional ◽  
Regional Labor ◽  
On Line ◽  
Facilitating Conditions

The objective of this research was to analyze the effect of gamification on intention to use online training from the partial validation of the UTAUT model for qualification of members and servers of the Regional Labor Court of the 2nd Region (TRT-2). The study analyzed the relationship between constructs performance expectancy, effort expectancy, facilitating conditions, and familiarity with the intention to use gaming in distance media.  This was conducted through an empirical application, which used the Structural Equation Modeling (SEM) for data analysis. The research was a single cross-sectional survey, carried out with TRT-2 members and servers who participated in the distance-feeding course ‘Healthy Living’ in 2015. Of the four hypotheses, only familiarity (F) was not significant as it did not serve as a behavioral intentions (BI) predictor of gamification for distance learning courses. Some explanations for such phenomenon may be career promotion and additional qualifications, learning by doing and sample size. The results confirmed that most hypotheses have a high statistical significance of the structural paths and have demonstrated that the model proposed in this study is consistent and can be applied in future studies with appropriate adjustments.

Attachment style, serial argument, and taking conflict personally

2015 ◽  
Vol 4 (1) ◽  
pp. 63-86 ◽  
Author(s):  
Dale Hample ◽  
Adam S. Richards
Keyword(s):  
Structural Equation Model ◽  
Attachment Style ◽  
Attachment Styles ◽  
Structural Equation ◽  
Close Relationships ◽  
Equation Model ◽  
Personal Relationships ◽  
Cross Sectional Survey ◽  
Cross Sectional ◽  
The Relationship

Serial argument theory explains recurring conflict within personal relationships. The theory specifies that an arguer’s goals influence his/her tactics, leading to argument outcomes which include effects on the relationship. We extend this model in two ways. First we suggest that attachment styles predict serial argument goals. Second, we hypothesize that taking conflict personally (TCP) is an outcome of such arguments. University students (N = 682) completed a cross-sectional survey about their attachment styles and felt personalization regarding a serial argument they experienced. A structural equation model tested relationships between attachment styles, goals, tactics, outcomes, and TCP. Results indicated that attachment styles predict goals of serial arguing and serial argument outcomes predict TCP. The study shows that attachment styles have modest but statistically significant effects on goals of serial arguing in close relationships and that the tactics used in serial arguing predict the degree to which people take recurring conflict personally.

The Role of Self-Brand Connection on the Relationship Between Athlete Brand Image and Fan Outcomes

2020 ◽  
Vol 34 (3) ◽  
pp. 201-216 ◽  
Author(s):  
Thilo Kunkel ◽  
Rui Biscaia ◽  
Akiko Arai ◽  
Kwame Agyemang
Keyword(s):  
Structural Equation ◽  
Brand Image ◽  
Equation Model ◽  
Mediating Effect ◽  
Cross Sectional Survey ◽  
Cross Sectional ◽  
Team Commitment ◽  
Social Media Platforms ◽  
The Relationship

This research explored the role of athlete on- and off-field brand image on consumer commitment toward the athlete and associated team, preference by the athlete’s sponsor, and the mediating effect of consumers’ self-brand connection on these relationships. Data were collected from fans of soccer players through a cross-sectional survey promoted on social media platforms. A partial least squares structural equation model examined the direct effects of both athlete brand dimensions on athlete commitment, team commitment, and athlete sponsor preference, and the indirect effects mediated via self-brand connection. The results indicate that an athlete’s on-field image is significantly related to athlete sponsor preference, while the off-field image influences athlete commitment and team commitment. Self-brand connection is influenced by athlete off-field image and mediates the relationship between off-field image and athlete commitment. This study contributes to a better understanding of how to manage athlete brands and linkages between fans, athletes, and associated entities.

Factors influencing the adoption of crowdfunding in Bangladesh: a study of start-up entrepreneurs

2019 ◽  
pp. 026666691989555
Author(s):  
Mohammad Tariqul Islam ◽  
Muhammad Tahir Abbas Khan
Keyword(s):  
Behavioral Intention ◽  
Structural Equation ◽  
Equation Modeling ◽  
Perceived Trust ◽  
Intention To Adopt ◽  
Use Of Technology ◽  
Start Up ◽  
Actual Use ◽  
Facilitating Conditions ◽  
Use Behavior

Despite widespread adoption of crowdfunding for funding social donation projects, its adoption among start-up entrepreneurs is significantly low, in developing countries in particular. Research has been performed to investigate the crowdfunding adoption intention of start-up entrepreneurs in Bangladesh. This study aimed to identify the motivation behind the intentions of the entrepreneurs to adopt crowdfunding, using the Unified Theory of Acceptance and Use of Technology (UTAUT) model with extensions. Empirical data were collected from 317 respondents and analyzed using Partial Least Squares-based Structural Equation Modeling (PLS-SEM). The results indicate that performance expectancy, effort expectancy, social influence, facilitating conditions and perceived trust mpact significantly ion the entrepreneurs’ behavioral intention to adopt crowdfunding. In contrast, trialability and perceived trust were not found to be significant determinants. However, trialability has a significant positive relation with use behavior or actual use, whereas no significant relationship has been identified between behavioral intention and use behavior.

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