scholarly journals The determinant of behavioral factors which influence on credit card usages

2020 ◽  
Vol 2 (2) ◽  
pp. 143-145
Author(s):  
M. Zubair Hussain ◽  
Keyword(s):  
Perceived Risk ◽  
Credit Card ◽  
Service Sector ◽  
Strong Influence ◽  
Positive Impact ◽  
Sampling Technique ◽  
Perceived Usefulness ◽  
Behavior Factor ◽  
Factor Effect ◽  
Credit Card Use

The purpose of this paper is to examine which behavior factor effect on credit card use. Among different behavior factors, which factor more positively and significantly influence credit card use? The data are collected from individuals who have a credit card through the Lahore questionnaire. The finding shows a strong influence of behavior factor on credit card uses especially perceived usefulness. And perceived risk has a positive impact on credit card use. The study is limited to only the service sector as a credit card. Convinces sampling technique is used. For further research, influence on customer or client income also takes into consideration. This research is no precious in Pakistan's credit card, which studies behavior influences credit card use.

Customers’ Perspectives of Internet Banking Adoption in Developing Economies

2014 ◽  
pp. 191-205
Author(s):  
G. Varaprasad ◽  
R. Sridharan ◽  
Anandakuttan B. Unnithan
Keyword(s):  
Perceived Risk ◽  
Service Sector ◽  
Banking Sector ◽  
Developing Economies ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Relative Advantage ◽  
Perceived Ease Of Use ◽  
Customer Base

The competition in the banking sector has increased dramatically from the past decade. This increased competition environment in the financial service sector has resulted in the development and utilization of alternative delivery channels. The advancements and revolutions in the communication and information technology have changed the functional scenario of the banking sector significantly. Internet banking is a novel delivery channel of banking and has been found to be an optional channel for the traditional banking because of the savings in time, money and effort. Banks have become more and more competitive to meet the customers demand for ease of use, functionality, relative advantage, greater accessibility and the best of the services at a lower price. The objective of this study is to investigate the factors which influence the adoption of Internet banking adoption in private sector banks of India. Factors such as perceived usefulness, perceived ease of use, perceived risk, relative advantage and trialability have been found to be the determinants of Internet banking in the previous studies. A new variable called conspicuousness has been introduced in the present study. Such a study has not been reported in the literature in the Indian context. A model has been proposed and tested using various statistical techniques. The findings are of great use primarily for the banks which are planning to offer Internet banking services, and for already existing banks to focus on the gaps. This research article provides valuable insights into the underlying contextual factors of Internet banking behavior for researchers and practitioners. The outcome of the study can be used to formulate new marketing strategies to increase the customer base of Internet banking market.

scholarly journals PENDEKATAN TAM DALAM LAYANAN GO-MASSAGE PADA APLIKASI GO-JEK

2018 ◽  
pp. 869
Author(s):  
Ni Putu Wulan Widasari ◽  
I Made Wardana ◽  
Putu Yudi Setiawan
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Risk Perceptions ◽  
Purchase Intention ◽  
Risk Attitude ◽  
Sampling Technique ◽  
Theoretical Implication ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use

ABSTRACT The meaning of this research wants to explain the effect of perceived ease of use, perceived usefulness, and perceived risk towards attitude and purchase intention of Go-Massage on Go-Jek application. The population of this study is not limited (infinite) which is the user Go-Jek application in Denpasar. The sample in this study was taken with non-probability sampling technique with 120 respondents. The result shows that perceived ease of use and perceived of usefulness have positive and significant effect towards attitude. Furthermore, the results of the study also showed a positive and significant effect of perceived usefulness and attitude towardspurchase intention. Conversely, risk perceptions have a negative and significant effect on attitude and purchase intention. The theoretical implication of this research is that this research reinforces the attitude theory especially the Technology Acceptance Model proposed by Davis (1989). Practical implications are useful for companies to explore the construct which gives significant effect towards purchase intention.  In the future, the company should focus more on perceived usefulness to encourage customer’s purchase intention towards Go-Massage service offered on Go-Jek application Keywords: TAM, Perceived Ease of Use, Perceived Risk, Attitude, and Purchase Intention

scholarly journals The Influence of Store Image, Service Quality, Private Label Brand Image, Perceived Risk, and Price Consciousness on Purchase Intention

2017 ◽  
Vol 9 (1) ◽  
pp. 73
Author(s):  
Meta Andriani
Keyword(s):  
Service Quality ◽  
Perceived Risk ◽  
Purchase Intention ◽  
Structural Equation ◽  
Brand Image ◽  
Positive Impact ◽  
Sampling Technique ◽  
Private Label ◽  
Store Image ◽  
Supporting Evidence

Previous study found supporting evidence of several factors affecting purchase intention in retail environment. However, there is still few that focus on the private label brand (PLB) despite of the importance of the products for the convinience store business. This study aims to find the direct effects of store image and service quality on brand image and purchase intention for a private label brand (PLB) in the context of convinience store. In addition, it also aims to confirm the factors that directly influence purchase intention of consumers. Two hundred and seven respondents were investigated using nonprobability sampling technique (purposive sampling). The analyses emploted Structural Equation Modelling techniques  and results indicate that store the image and private label brand image has a direct positive impact on purchase intention. The findings also confirmed that service quality has a direct positive effect on private label brand (PLB) image. Surprisingly, service quality has no direct influence on purchase intention, but have indirect influence through private label brand (PLB) image.

scholarly journals INTEGRASI TRUST DAN TECHNOLOGY ACCEPTANCE MODEL (TAM) DALAM INTENTION TO TRANSACT (Studi pada Konsumen Pengguna Tokopedia)

2021 ◽  
Vol 17 (2) ◽  
Author(s):  
Budiyanto Budiyanto ◽  
Dewi Pangestuning Utami
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Sampling Technique ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Advanced Technology ◽  
Significant Positive Effect ◽  
Perceived Ease Of Use ◽  
Negative Effect ◽  
Positive Effect

Increasing advanced technology makes online shopping continue to grow from time to time. An easy, simple way to shop, and even consumers can get cheaper prices compared to traditional shops, is indeed a choice for consumers. Very high internet speed also supports the rapid e-commerce business in Indonesia. The purposes of this study is 1) the effect of trust on perceived usefulness, 2) the effect of trust on perceived ease of use, 3) the effect of trust on perceived risk, 4) the effect of trust on intention to transact, 5) the effect of perceived usefulness on intention to transact, 6) the effect of perceived ease of use on the intention to transact and 7) the effect of perceived risk on the intention to transact.Population in this study is all consumers who use Tokopedia marketplace. The sample of this study amounted to 120 people. The sampling technique used in this research is purposive sampling. Testing the hypothesis used multiple linear regression. The results show that 1) trust has a significant positive effect on perceived usefulness, 2) trust has a significant positive effect on perceived ease of use, 3) trust has a significant negative effect on perceived risk, 4) trust has a significant positive effect on intention to transact, 5) perceived usefulness has a significant positive effect on intention to transact, 6) perceived ease of use has a significant positive effect on intention to transact, 7) perceived risk is significant negative on intention to transact.Keywords: trust, perceived usefulness, perceived ease of use, perceived risk, intention to transact, tokopedia 

scholarly journals The Intentions to Wear Face Masks and the Differences in Preventive Behaviors between Urban and Rural Areas during COVID-19: An Analysis Based on the Technology Acceptance Model

2021 ◽  
Vol 18 (19) ◽  
pp. 9988
Author(s):  
Bo Zhang ◽  
Zhongjie Li ◽  
Lei Jiang
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Behavioral Intention ◽  
Perceived Risk ◽  
Positive Impact ◽  
Social Pressure ◽  
Perceived Usefulness ◽  
Extended Model ◽  
Social Image ◽  
Acceptance Model

The SARS-CoV-2 virus first emerged in late 2019 and has since spread quickly throughout China and become a global pandemic. As the situation with COVID-19 has evolved, wearing a face mask in public has grown commonplace. Using the technology acceptance model (TAM) as a foundation, this study introduces three new variables, namely, perceived risk, social pressure, and social image, to establish an extended model for investigating the factors that influence if residents wear masks. A total of 1200 questionnaires were distributed in China, from 1 February to 30 May 2020, through China’s largest online platform. The results indicate the following: 1. Residents’ positive attitude towards mask wearing promotes their behavioral intention to wear masks. 2. Perceived risk, social pressure, and social image have a positive impact on attitude towards mask wearing. 3. The intention to wear masks and attitude were both positively influenced by perceived usefulness. 4. The perceived usefulness is more influential in rural than urban groups, in terms of behavioral intention. This article proposes that public education on the facts related to the coronavirus, the threats posed by the COVID-19 pandemic to health, and the usefulness of face masks in preventing the transmission of COVID-19 could increase residents’ intention to wear a mask.

scholarly journals Effects of Subjective Norms, Perceived Behavioral Control, Perceived Risk, and Perceived Usefulness towards Intention to Use Credit Cards in Surabaya, Indonesia

2020 ◽  
Vol 76 ◽  
pp. 01032
Author(s):  
Njo Anastasia ◽  
Samiaji Santoso
Keyword(s):  
Perceived Risk ◽  
Credit Card ◽  
Behavioral Control ◽  
Credit Cards ◽  
Subjective Norms ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Perceived Behavioral Control ◽  
Intention To Use ◽  
Advantages And Disadvantages

Credit cards are becoming one of the most-used method of payment, both domestic and overseas. Consumers need not hassle with carrying cash to pay, hence reducing the risk of losing your money. Credit cards however, have their own drawback as it can be hacked, resulting in the breach of personal information by a third party, and abusing it to make transactions unknown to the card owner. This phenomenon is still in debate among credit card holders. As such, the purpose of this study is to test the effects of subjective norms, perceived behavioral control, perceived risk, and perceived usefulness towards the intention to use credit cards. Psychological factor and risk level becomes a challenge to card holders when they are making a transaction. Purposive sampling technique is used to gather data through questionnaire spread in both hardcopy and online to 100 credit card owners in Surabaya. Data is then processed using Partial Least Square (PLS). Analyzation result shows subjective norms, perceived behavioral control, and perceived usefulness significantly affects the intention to use credit cards, while perceived risk does not. The result of this study shows that by fully understanding both the advantages and disadvantages of credit cards, consumers can use it to make better financial planning, and not making transactions that leads to a certain lifestyle.

An Empirical Investigation on Credit Card Adoption in India

2013 ◽  
Vol 4 (1) ◽  
pp. 13-29 ◽  
Author(s):  
G.Varaprasad ◽  
Kailas Sree Chandran ◽  
R. Sridharan ◽  
Anandakuttan B. Unnithan
Keyword(s):  
Perceived Risk ◽  
Credit Card ◽  
Credit Cards ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Relative Advantage ◽  
Perceived Benefits ◽  
Perceived Ease Of Use ◽  
Perceived Trust ◽  
Main Determinants

In India, the credit card usage as well as the penetration has been found to be very low compared to that of debit cards. Though banks offer the best of the services, still there are apprehensions about the risks involved in using a credit card in India. Hence, this study investigates the customer’s adoption behavior of credit cards and determines the factors which influence the acceptance among Indian customers. Many studies have been reported in the literature to analyze the customer’s adoption behavior of online banking, Automated Teller Machines, e-shopping etc. But, there are not many studies that analyze the adoption behavior of credit cards. In this study, an empirical model that includes ten behavioral factors has been proposed. Along with the main determinants identified from the literature, two new parameters such as perceived benefits and self-esteem have been included in the model. The analysis of the model reveals that factors such as perceived usefulness, perceived ease of use, perceived risk, relative advantage, perceived trust, social influence and perceived benefits have been found to be the main determinants of credit cards adoption in India. The findings are of great use primarily for the banks which are planning to offer credit cards, and for already existing banks to focus on the gaps.

A Perspective of Adoption of Mobile Applications in Rural India

2018 ◽  
pp. 719-735
Author(s):  
Debasish Roy
Keyword(s):  
Mobile Applications ◽  
Strong Influence ◽  
Success Factors ◽  
Positive Impact ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Rural People ◽  
Bank Account ◽  
Market Prices ◽  
Critical Success

Rural mobile application are designed for various purposes, ranging from reaching information regarding government schemes, agricultural best practices, market prices, fishing zones and weather forecasts, to facilitating money transfer, opening and operating a bank account for saving money and to receive money directly to the bank account for various government schemes and subsidies. This paper examines the critical success factors and inhibitors that affect adoption of the mobile applications and the effect on continued usage. A questionnaire survey was done to gather data for this study. Results indicate that last mile barriers act as inhibitors to adoption. Adoption behavior of rural people do not exhibit a correlation with the ease of use of the application. Social influence has a strong influence on adoption behavior, which will enable policy makers and practitioners to evolve the right penetration strategy. Perceived usefulness has a strong influence on adoption. The results reiterate the increasing positive impact of rural mobile applications on day to day working of rural people.

Health 4.0

2020 ◽  
pp. 104-122
Author(s):  
Sahrish Ahmad ◽  
Hasliza Abdul Halim ◽  
Mohammad Jamal Khan ◽  
Noor Hazlina Ahmad
Keyword(s):  
Organizational Learning ◽  
Industry 4.0 ◽  
Service Sector ◽  
Service Providers ◽  
Positive Impact ◽  
Current Knowledge ◽  
Manufacturing Sector ◽  
Sampling Technique ◽  
New Era ◽  
The Impact

In the new era of Industry 4.0 and on the basis of current knowledge about innovation in Industry 4.0, it has become a pretty clear that Industry 4.0 had a major impact on the manufacturing sector. At its origin, this industry is evolving from manufacturing to service providers. This chapter explains how innovation of new digital services such as Industry 4.0 integrates towards the healthcare system such as Health 4.0 in India. Although innovation is significant among the manufacturing sector, the practice of this concept is still lacking among the service sector such as hospitals. This study will investigate the impact of organizational learning on horizontal technology collaboration and vertical technology collaboration. The study is designed as a quantitative study and the non-probability purposive sampling technique was used. The data was collected from the doctors of small and medium private hospitals. The findings of data analysis reveal that organizational learning has significant positive impact on horizontal technology collaboration and vertical technology collaboration.

A Perspective of Adoption of Mobile Applications in Rural India

2014 ◽  
Vol 5 (1) ◽  
pp. 62-77
Author(s):  
Debasish Roy
Keyword(s):  
Mobile Applications ◽  
Strong Influence ◽  
Success Factors ◽  
Positive Impact ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Rural People ◽  
Bank Account ◽  
Study Results ◽  
The Right

Rural mobile application are designed for various purposes, ranging from reaching information regarding government schemes, agricultural best practices, market prices, fishing zones and weather forecasts, to facilitating money transfer, opening and operating a bank account for saving money and to receive money directly to the bank account for various government schemes and subsidies. This paper examines the critical success factors and inhibitors that affect adoption of the mobile applications and the effect on continued usage. A questionnaire survey was done to gather data for this study. Results indicate that last mile barriers act as inhibitors to adoption. Adoption behavior of rural people do not exhibit a correlation with the ease of use of the application. Social influence has a strong influence on adoption behavior, which will enable policy makers and practitioners to evolve the right penetration strategy. Perceived usefulness has a strong influence on adoption. The results reiterate the increasing positive impact of rural mobile applications on day to day working of rural people.

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