scholarly journals What Influences Urbanites’ Mobile Payment Adoption? The Moderating Roles of Demographic Divides

2020 ◽  
Vol 28 (4) ◽  
Author(s):  
Ong Choon Hee ◽  
Koo Nyuk Ying ◽  
Tan Owee Kowang ◽  
Lim Lee Ping
Keyword(s):  
Online Survey ◽  
Service Providers ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Perceived Ease Of Use ◽  
Factors Influencing ◽  
Perceived Security ◽  
Banking Institutions ◽  
The Government

This study examines the moderating roles of demographic divides, such as gender, income, and education, on factors influencing mobile payment adoption among urbanites in Malaysia. An online survey questionnaire was used for data collection, which yielded 428 responses. PLS-SEM was employed to assess validity, reliability, hypothesis testing, and PLS-MGA of the study constructs. The findings of this paper revealed that perceived security, perceived ease of use, perceived usefulness, and trust were significantly related to mobile payment adoption. Gender, income, and education were found to moderate the results. This research provides important information to service providers, banking institutions, and the government to understand factors influencing mobile payment adoption and consider demographic characteristics of gender, income, and education in mobile payment adoption. This study explains the moderating effects of demographic divides on mobile payment adoption among urbanites that are rarely addressed in Malaysia.

scholarly journals Acceptance of Halal Virtual Inspection: Halal Industry Perspective in Malaysia

2021 ◽  
Vol 12 (5) ◽  
pp. 1744-1752
Author(s):  
Nurulhuda Noordin, Et. al.
Keyword(s):  
Technology Acceptance ◽  
Service Providers ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Effective Implementation ◽  
Certification System ◽  
Factors Influencing ◽  
Perceived Security ◽  
Acceptance Model

This paper explores the factors influencing the acceptance of halal virtual inspection. Halal inspection is one of the main critical processes in Halal Certification system. However, due to the problems that occur in Halal Certification system, halal virtual inspection is proposed to overcome the problems. The technology acceptance model (TAM) was adapted as a baseline theory. Survey questionnaires were distributed to 86 respondents who are identified as halal industry players such as producers and consumers of food and beverages sector. The findings of this study reveal that perceived usefulness, perceived ease of use, perceived enjoyment, amount of information, perceived security and trust are the main factors influencing halal virtual inspection acceptance. These factors could be used as a guideline to the halal service providers in order to achieve effective implementation, efficient and trusted halal virtual inspection.

The Impact of Consumers’ Attitude Towards Mobile Payment Feasibility

2020 ◽  
Vol 17 (2) ◽  
pp. 1127-1142
Author(s):  
Nor Azah Abdul Aziz ◽  
Lam Jia Wen ◽  
Hartini Azman ◽  
Atirah Sufian
Keyword(s):  
Service Providers ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Perceived Ease Of Use ◽  
Mobile Payments ◽  
Perceived Security ◽  
Payment Services ◽  
The Impact

This study discussed about the impact of consumers’ attitude towards mobile payment feasibility in Malaysia. The research focused on three research objectives which are; (1) to identify the consumers’ concerns that influencing the mobile payments feasibility in Malaysia, (2) to investigate the relationships between perceived security, payment culture, perceived usefulness and perceived ease of use, and (3) to identify the main consumers’ concern that influencing the mobile payment feasibility in Malaysia. In this research, the researcher carried out a survey among the young public to access the performance of mobile payment services available in Malaysia. Besides, the direct opinion from the consumers is able to enhance the insight of the service providers. In conclusion, mobile payment feasibility is important to realise Bank Negara Malaysia (BNM) strategy which is Malaysia becomes a cashless society by 2050.

scholarly journals Are We Ready for Mobile Payment?

2019 ◽  
Vol 5 (2) ◽  
pp. 1
Author(s):  
Wai Phoong Seuk ◽  
Yen Phoong Seuk ◽  
Moghavvemi Sedigheh ◽  
Chung Yeong Wai
Keyword(s):  
Ease Of Use ◽  
Perceived Usefulness ◽  
Survey Method ◽  
Mobile Payment ◽  
Perceived Ease Of Use ◽  
Factors Influencing ◽  
Quantitative Data Analysis ◽  
Perceived Security ◽  
The Relationship ◽  
Current Stage

This study aims to identify the factors influencing the readiness and acceptance of mobile payment applications. The study is performed using the survey method. Quantitative data analysis are used to measure the relationship between the perceived usefulness, perceived ease of use, and perceived security on the readiness of Malaysian in using mobile payment applications. The results shown that perceived usefulness, perceived ease of use, and perceived security have a positive and significance relationship with the usage of mobile payment applications. Moreover, perceived ease of use is reported as the strongest factor towards usage of mobile payment applications, following by perceived security and perceived usefulness. This study is able to provide information on the current stage of use on mobile payment in Malaysia and it is also beneficial to the mobile payment facilities provider into find out strategies that could improve the acceptance and use of mobile payment application.

scholarly journals Predicting Consumer Intention to Use Mobile Payment Services: Empirical Evidence from Vietnam

2016 ◽  
Vol 8 (1) ◽  
pp. 117 ◽  
Author(s):  
The Ninh Nguyen ◽  
Tuan Khanh Cao ◽  
Phuong Linh Dang ◽  
Hien Anh Nguyen
Keyword(s):  
Empirical Evidence ◽  
Service Providers ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Future Research ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Payment Services ◽  
The Impact

<p>Mobile payment has relative advantages compared to other payment methods, thus providing benefits for both consumers and the society. This study attempts to examine factors influencing consumer intention to use mobile payment services. Survey data are used to investigate the impact of consumers’ perceptions of mobile payment services and social influence on use intention. Empirical evidence from 489 Vietnamese consumers confirms a significant relationship between the factors and behavioral intention, and reveals that perceived trust is the strongest predictor of intention to use mobile payment services followed by perceived ease of use, perceived enjoyment, perceived behavioral control, perceived usefulness and subjective norm, respectively. The results contribute to the evolving literature, and suggest that mobile payment service providers should particularly focus on building up consumer trust, and making their services clear, understandable and easy to use. Future research directions for extending this study are also discussed.</p>

Direct vs indirect e-government adoption: an exploratory study

2018 ◽  
Vol 20 (2) ◽  
pp. 149-162 ◽  
Author(s):  
Rajiv Kumar ◽  
Amit Sachan ◽  
Arindam Mukherjee
Keyword(s):  
Developed Countries ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Government Officials ◽  
Content Type ◽  
Government Services ◽  
Factors Influencing ◽  
The Government ◽  
The Needy

Purpose The purpose of this study is to investigate the factors that influence direct and indirect adoption of e-government services in India. Design/methodology/approach A conceptual model has been proposed by integrating the factors influencing adoption of e-government services from extant literature. A quantitative technique is used for the purpose of the study. Findings The study classifies e-government adoption in two types: direct adoption and indirect adoption. The study has found that there is some difference between the factors influencing direct and indirect e-government adoption. Perceived awareness, perceived usefulness, trust in internet, trust in government and social influence are found to be positively correlated to direct and indirect e-government adoption. Availability of resources, computer self-efficacy, perceived ease-of-use, perceived compatibility, multilingual option and voluntariness are positively correlated to direct e-government adoption and negatively correlated to indirect e-government adoption. Perceived image is found to be significant for direct e-government adoption but non-significant for indirect adoption. Trust in intermediary is found to be significant only for indirect e-government adoption. Research limitations/implications The sample size of 382 may not be a proper representation of a country like India, which has huge diversity and is densely populated. The study has been conducted in India, which is a developing country. The result might not be significant for developed countries. Practical implications The findings of this study provide useful insights into the decision-making process of e-government users in India and similar emerging economies. These findings can be important for government officials tasked with providing e-governance services. Originality/value Despite the digital divide, how the government is expecting its citizens to access e-government services and derive benefits and how the needy will be able to cope with the mandatory e-government services is an interesting topic to study. This leads to a new concept of indirect adoption.

scholarly journals Distinctive Comparison of Consumers’ Mobile Payment Adoption between China and Malaysia

2018 ◽  
Vol 2 (3) ◽  
pp. 57-61
Author(s):  
Phuah Kit Teng ◽  
Bernard Lim Jit Heng ◽  
Siti Intan Nurdiana Wong Abdullah
Keyword(s):  
Reasoned Action ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Perceived Ease Of Use ◽  
Intention To Adopt ◽  
Perceived Security ◽  
Fresh Perspective ◽  
Cross Country ◽  
Acceptance Model

The emergence of mobile payment providers such as Alipay and WeChat Pay has raised the interest in studying the adoption of mobile payment and assessment on the prediction of consumers’ intention. Due to insufficient research on cross-country comparison, this study aims to identify the differences in mobile payment adoption between China and Malaysia. Perceived usefulness, perceived security, perceived ease of use and attitude from Theory of Acceptance Model and Theory of Reasoned Action were used to analyse the intention to adopt mobile payment. Based on the results, perceived security seems to differ for the two countries while other factors have similar results. This study will definitely offer a fresh perspective to academics and practitioners in terms of exploring the propect of mobile payment in business trasnsactions.

scholarly journals Use of Telehealth in Substance Use Disorder Services During and After COVID-19: Online Survey Study

10.2196/25835 ◽  
2021 ◽  
Vol 8 (2) ◽  
pp. e25835
Author(s):  
Todd Molfenter ◽  
Nancy Roget ◽  
Michael Chaple ◽  
Stephanie Behlman ◽  
Olivia Cody ◽  
...  
Keyword(s):  
Substance Use ◽  
Online Survey ◽  
Service Providers ◽  
Organizational Readiness ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Easy Access ◽  
Perceived Ease Of Use ◽  
Intent To Use ◽  
Video Services

Background Social distancing guidelines for COVID-19 have caused a rapid transition to telephone and video technologies for delivering treatment for substance use disorders (SUDs). Objective This study examined the adoption of these technologies across the SUD service continuum, acceptance of these technologies among service providers, and intent of providers to use these technologies after the pandemic. Additional analysis using the validated technology acceptance model (TAM) was performed to test the potential applications of these technologies after the pandemic. The study objectives were as follows: (1) to assess the use of telehealth (telephone and video technologies) for different SUD services during COVID-19 in May-June 2020, (2) to assess the intended applications of telehealth for SUD services beyond COVID-19, (3) to evaluate the perceived ease of use and value of telehealth for delivering SUD services, and (4) to assess organizational readiness for the sustained use of telehealth services. Methods An online survey on the use of telephonic and video services was distributed between May and August 2020 to measure the current use of these services, perceived organizational readiness to use these services, and the intent to use these services after COVID-19. In total, 8 of 10 regional Addiction Technology Transfer Centers representing 43 states distributed the survey. Individual organizations were the unit of analysis. Results In total, 457 organizations responded to the survey. Overall, the technology was widely used; >70% (n>335) of organizations reported using telephone or video platforms for most services. The odds of the intent of organizations to use these technologies to deliver services post COVID-19 were significantly greater for all but two services (ie, telephonic residential counseling and buprenorphine therapy; mean odds ratio 3.79, range 1.87-6.98). Clinical users preferred video technologies to telephone technologies for virtually all services. Readiness to use telephone and video technologies was high across numerous factors, though telephonic services were considered more accessible. Consistent with the TAM, perceived usefulness and ease of use influenced the intent to use both telephone and video technologies. Conclusions The overall perceived ease of use and usefulness of telephonic and video services suggest promising post–COVID-19 applications of these services. Survey participants consistently preferred video services to telephonic services; however, the availability of telephonic services to those lacking easy access to video technology is an important characteristic of these services. Future studies should review the acceptance of telehealth services and their comparative impact on SUD care outcomes.

The effect of initial trust on user adoption of mobile payment

2011 ◽  
Vol 27 (4) ◽  
pp. 290-300 ◽  
Author(s):  
Tao Zhou
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Perceived Ease Of Use ◽  
Initial Trust ◽  
User Adoption ◽  
Perceived Security

Due to the high perceived risk and low switching cost, it is critical to building users' initial trust in mobile payment in order to facilitate their adoption and usage. The purpose of this research is to examine the effect of initial trust on user adoption of mobile payment. We conducted data analysis with structural equation modeling. The results indicated that perceived security, perceived ubiquity and perceived ease of use have significant effects on initial trust, which in turn determines perceived usefulness and usage intention. We also found that perceived cost is a significant determinant of usage intention.

scholarly journals Consumers’ Adoption of Mobile Payment: Comparison between China and Malaysia

2019 ◽  
Vol 5 (2) ◽  
pp. 43
Author(s):  
S-C Chuah ◽  
S-T Cao Stella ◽  
J-Y Guo Trey ◽  
Z-J Lian Ivey
Keyword(s):  
Behavioral Intention ◽  
Subjective Norms ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Security Risk ◽  
Perceived Ease Of Use ◽  
Kuala Lumpur ◽  
Perceived Security ◽  
Payment Services

Mobile payment services has emerged as one of the prominent transaction payment methods. China is leading in mobile payment globally while mobile payment in Malaysia still in its infancy. This paper compares the factors in adoption of mobile payment among consumers’ in Zuhai, China and Kuala Lumpur, Malaysia. The factors included in the study were perceived usefulness, perceived ease of use, subjective norms and perceived security risk. A cross-sectional, descriptive study was undertaken on 96 smartphone users from China and 51 users from Malaysia. Inferential statistics Mann-Whitney U test was applied to compare between study variables. Spearman’s ho correlation was used to identify the association between the study variables and behavioral intention to adopt mobile payment services. The study found significant different between users’ perception on subjective norms and perceived security risk in these two city. There was no significant different for perceived usefulness and perceived ease of use between users in Zuhai and Kuala Lumpur. Significant negative linear correlations between perceived security risk and behavioral intention, and significant positive correlations between perceived usefulness, perceived ease of use and subjective norms and behavioral intention were observed from the study. The findings of this study indicate that the consumers in Kuala Lumpur have higher concern on mobile payment services security and greater social influences to adopt mobile payments.

scholarly journals Switching to Proximity Mobile Payment: Empirical Evidence from Korean Users

2021 ◽  
Author(s):  
Hong-Lei Mu ◽  
Young-Chan Lee
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Service Providers ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Switching Behavior ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Perceived Ease Of Use ◽  
Modeling Analysis

Individual users' payment behaviors have changed. The diffusion of mobile devices makes people suitable for proximity mobile payment (PMP) services without the need for traditional payment. Existing mobile payment literature mainly focuses on users' adoption and continuous usage behavior, nevertheless, switching behavior on payment received little attention, especially focusing on why users switch from traditional payment to PMP. Thus, the objective of the current research is to investigate factors influencing users’ traditional payment - PMP switching to comprehend how these factors shape users’ switching intentions. We developed a traditional payment - PMP transition model based on the push-pull-mooring framework derived from migration theory. This research adopted a structural equation modeling analysis on 311 valid data. The findings indicate that a push factor drives users away from traditional payment in terms of dissatisfaction. The pull factors, including perceived substitutability and perceived usefulness, attract users to PMP. Furthermore, in terms of perceived technical compatibility, a positive mooring factor, facilitates users' switching to PMP. Negative mooring factor, in terms of perceived risk, hinder users' switching intention. However, another pull factor - perceived ease of use, failed to influence switching intention significantly. This study found some distinctions between mobile payment switching and mobile payment adoption. These findings provide pivotal insights for the mobile payment service providers.

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