scholarly journals Consumer Acceptance of Contactless Payments in India: Extension to TAM

2021 ◽  
Vol 04 (10) ◽  
Author(s):  
Bijesh Bhaskaran ◽  
Keyword(s):  
Technology Acceptance ◽  
Customer Service ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Consumer Acceptance ◽  
Perceived Ease Of Use ◽  
Proposed Model ◽  
Survey Sample ◽  
Acceptance Model

Contactless payment is arguably the fastest growing payment methods across the globe. The purpose of this article is to do a study of the consumer acceptance of contactless payments in India using a survey sample of 165 respondents from Chennai. While technology acceptance model (TAM) has been normally used, the proposed model make use of seven variables (perceived usefulness, perceived ease of use, perceived risk, engagement, compatibility, trust and hedonic motivation) taking into consideration the customer, service provider and the technology eco system. Findings of the study indicates that perceived ease of use, compatibility and perceived usefulness were the main factors influencing contactless payment acceptance. This study extends the knowledge of consumer’s payment-decision making and provides insights into how to promote contactless payments.

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

Think India ◽  
2019 ◽  
Vol 22 (3) ◽  
pp. 402-409
Author(s):  
Deepak Shrivastava ◽  
Apurva Shrivastava ◽  
Gyan Prakash
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Risk ◽  
New Technology ◽  
Banking System ◽  
Point Of View ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Acceptance Model

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.

Technology Acceptance Model Modification for Electronic Wallet Users in Jakarta

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

scholarly journals Healthcare at Your Fingertips: The Acceptance and Adoption of Mobile Medical Treatment Services among Chinese Users

2020 ◽  
Vol 17 (18) ◽  
pp. 6895 ◽  
Author(s):  
Qingchuan Li
Keyword(s):  
Medical Treatment ◽  
Technology Acceptance ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Privacy Concerns ◽  
Treatment Services ◽  
Proposed Model ◽  
Acceptance Model ◽  
Behavioral Intention To Use

Mobile health (mHealth) services have recently been receiving increasing attention. However, there is a lack of knowledge about how users accept and adopt mobile medical treatment (MMT) services, some of the most promising mHealth services that aim to extend the patient–physician relationship beyond the conventional clinic environment. To fill this research gap, this study proposes a research model for predicting consumers’ acceptance behavior toward MMT services based on the Technology Acceptance Model (TAM). A survey was conducted among 303 Chinese MMT service users to evaluate the proposed model and relevant hypotheses using partial least squares. Several key findings were summarized from the results: (1) the attitude toward using MMT, technology anxiety, and trust are significantly associated with users’ behavioral intention to use MMT services; (2) the perceived ease of use, perceived usefulness, and trust significantly influence users’ attitude toward using MMT services; (3) the perceived interactivity, perceived personalization, and privacy concerns have significant impacts on users’ perceptions of ease of use, usefulness, and trust toward MMT services. The current findings have both theoretical and practical implications that may guide practitioners and researchers to better understand consumers’ acceptance of MMT services.

THE NEGATIVE EFFECT OF A PERCEIVED LACK OF AN INSTALLED BASE ON TECHNOLOGY ADOPTION

2015 ◽  
Vol 19 (02) ◽  
pp. 1550021 ◽  
Author(s):  
FIONA M. SCHWEITZER
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Solar Systems ◽  
Negative Effect ◽  
Technical Innovations ◽  
Acceptance Model ◽  
The Impact

In this paper, I analyse the impact that a perceived lack of an installed base has on the adoption of technological products. I use the Technology Acceptance Model (TAM), which considers perceived usefulness and ease-of-use as the central drivers of adoption and propose that the perceived lack of an installed base influences these two drivers. Based on cue utilisation theory, I further suggest that a perceived lack of an installed base can serve as an extrinsic cue of product quality deficiencies and difficulties with obtaining help and advice. In order to verify the supposed effect of a perceived lack of an installed base, I survey 162 households. The data shows that a perceived lack of an installed base of thermal solar systems (1) decreases their perceived usefulness and perceived ease-of-use and (2) acts as a mediator of the perceived risk. The study implies that managers launching technical innovations should develop strategies to influence consumers' perceptions of the current and the future installed base and communicate the development of the installed base to trigger adoption.

scholarly journals ANALISIS TECHNOLOGY ACCEPTANCE MODEL APLIKASI LINKAJA

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

<p>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 <em>e-money</em>. Sebagian masyarakat beranggapan bahwa transaksi pembayaran menggunakan <em>e-money</em> masih terdapat banyak kekurangan. Penelitian ini bertujuan untuk menguji <em>Technology Acceptance Model</em> (TAM) yaitu <em>perceived ease of use</em> dan <em>perceived usefulness</em>, selain itu juga menambahkan <em>perceived risk</em> untuk mengetahui pengaruh terhadap <em>attitude toward using</em> dan <em>actual use</em> terhadap penggunaan aplikasi LinkAja. Metode analisis menggunakan <em>Structural Equation Modeling</em> (SEM) dengan alat analisis SmartPLS. Penelitian ini dilakukan dengan metode survei dan sampel diambil menggunakan teknik <em>purposive sampling</em> terhadap responden yang menggunakan aplikasi LinkAja di seluruh Indonesia. Responden yang diperoleh sebanyak 200 responden. Hasil penelitian menunjukkan bahwa <em>perceived ease of use</em> dan <em>perceived usefulness</em> berpengaruh positif signifikan terhadap <em>attitude toward using</em> dan <em>actual use</em>. <em>Perceived risk</em> tidak berpengaruh signifikan terhadap <em>actual use</em> aplikasi LinkAja.</p>

Improving the Perception of Technology-Supported Learning Situations

2014 ◽  
pp. 89-108
Author(s):  
Metwaly S. K. Mabed ◽  
Thomas Köhler
Keyword(s):  
Technology Acceptance ◽  
Significant Influence ◽  
Strong Influence ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
System Quality ◽  
Perceived Ease Of Use ◽  
Proposed Model ◽  
Potential Factors ◽  
Acceptance Model

The majority of educational institutes have adopted some kind of technology, especially a Learning Management System (LMS), to facilitate the ways of learning in classrooms. Indeed, the investment in technology with the expectation of fostering learning relies on students’ response toward such technology. Therefore, it is essential not only to predict students’ behavior toward a LMS but also to grasp how students make a decision to use a particular system. This chapter explores the potential factors that have the most significant influence on the adoption of LMSs in Egypt as well as the relationships between these factors. The proposed model extends the Technology Acceptance Model (TAM) to include self-efficacy and system quality, with the expectation that they significantly shape the use of LMS. The data shows that most of the causal relationships between technology acceptance factors are well supported. The results also indicate that the system quality has a direct effect on perceived ease of use and perceived usefulness. One interesting observation is the strong influence of perceived ease of use on LMS usage, much stronger than the influence of perceived usefulness on the use of LMS.

scholarly journals ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MENGGUNAKAN FINTECH LENDING

2021 ◽  
Vol 10 (3) ◽  
pp. 246
Author(s):  
Samuel Martono
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Random Sampling ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Relative Advantage ◽  
Perceived Ease Of Use ◽  
Acceptance Model ◽  
Financial Technology

ABSTRACTThis study aims to examine the determinants of the developed Technology Acceptance Model (TAM) framework. The author used stratified random sampling, and data collection used a survey method. The analysis technique used is multiple regression analysis and path analysis using the IBM SPSS 25 software. The results show that perceived ease of use and perceived risk do not influence attitude towards fintech lending. In contrast, perceived usefulness, relative advantage, and perceived cost influence it, and attitude influences intention to use fintech lending behavior. Moreover, the attitude has a partial mediation role only in the relationship between perceived usefulness and relative advantage to fintech lending using intention. These results support the original model of TAM that states perceived ease of use has a nonsignificant effect on attitude towards using behavior. It suggested that financial technology services foster users to use fintech lending through various ways to tell it is easy enough to use and able to protect users' secure data and information. This study also contributes to giving more empirical evidence for other variables to modify and develop the Technology Acceptance Model.JEL : G23, G41, G51. Keywords : Technology Acceptance Model, financial technology, lending. ABSTRAKPenelitian ini bertujuan untuk menguji faktor-faktor pada kerangka kerja yang merupakan pengembangan dari Technology Acceptance Model (TAM). Peneliti menggunakan metode stratified random sampling dan pengumpulan data dilakukan dengan menggunakan metode survey. Teknik analisis yang digunakan adalah uji regresi berganda dan uji jalur dengan bantuan perangkat lunak IBM SPSS 25. Hasil penelitian menunjukkan bahwa perceived ease of use dan perceived risk tidak memberikan pengaruh pada sikap terhadap fintech lending. Sebaliknya, perceived usefulness, relative advantage dan perceived cost justru memberikan pengaruh, serta sikap memberikan pengaruh terhadap minat untuk menggunakan fintech lending. Lebih lanjut, sikap memilki mediasi parsial hanya pada hubungan antara perceived usefulness dan relative advantage terhadap minat untuk menggunakan fintech lending. Hasil penelitian ini mendukung model awal TAM yang menyatakan bahwa perceived ease of use memberikan pengaruh yang tidak signifikan terhadap sikap untuk menggunakan. Disarankan bagi penyedia jasa keuangan berbasis teknologi untuk mendorong pengguna fintech lending melalui berbagai langkah untuk menyampaikan kemudahan penggunaan dan fintech mampu melindungi data dan informasi pengguna yang bersifat rahasia. Penelitian ini juga berkontribusi untuk memberikan bukti empiris pada berbagai variabel yang digunakan untuk memodifikasi dan mengembangkan Technology Acceptance Model.

Factors Influencing Mobile Search Engine Users' Continuance Behavior Under the Context of Service Harm Crisis Event

2018 ◽  
Vol 10 (3) ◽  
pp. 30-48
Author(s):  
Min Zhang ◽  
Guoqing Tang ◽  
Yan Zhang
Keyword(s):  
Technology Acceptance ◽  
Search Engine ◽  
Attribution Theory ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Continuance Intention ◽  
Acceptance Model ◽  
Positive Effect

Post-adoption behavior has become one of the research hotspots in recent years. The purpose of this article is to research mobile search engine user's usage behaviour under the context of service harm crisis. Hypotheses and theoretical model are proposed by integrating expectation confirmation model of IS continuance, technology acceptance model, perceived risk theory, attribution theory and habit theory. The results indicated that continuance intention along with satisfaction and habit are important determinants of continuance behaviour. Perceived usefulness, perceived risk and continuance attitude have significant effect on continuance intention while attitude has the strongest effect. Confirmation promotes perceived usefulness, satisfaction and perceived ease of use which has an indirectly significant influence on satisfaction via perceived usefulness. Attribution of responsibilities has been found to have positive effect on perceived risk. Implications and contributions are provided.

Factors contributing towards adoption of E-banking in Pakistan

2014 ◽  
Vol 1 (1) ◽  
pp. 437 ◽  
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 ◽  
Acceptance Model

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.

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