Acceptance of Electronic Banking among University Students in Pakistan: An Application of Technology Acceptance Model (TAM)

2021 ◽  
Vol 9 (2) ◽  
pp. 101-113
Author(s):  
Altaf Hussain ◽  
Muhammad Sajjad Hussain ◽  
Muhammad Yousuf Khan Marri ◽  
Ali Zafar
Keyword(s):  
University Students ◽  
Technology Acceptance ◽  
Behavioral Control ◽  
Perceived Usefulness ◽  
Government Support ◽  
Security And Privacy ◽  
Perceived Behavioral Control ◽  
Intention To Use ◽  
Electronic Banking ◽  
The Impact

Electronic banking has become an essential element for the banking sector's success around the globe and attained the attention of recent studies and regulators. Thus, the present study examines the impact of technology adoption elements such as perceived ease to use, perceived usefulness, security, and privacy and perceived behavioral control on the intention to use of electronic banking among university students in Pakistan. This study also examines the mediating role of government support among the perceived ease to use, perceived usefulness, security and privacy, perceived behavioral control and intention to use of electronic banking among university students in Pakistan. The data have been gathered with the help of questionnaires from private university students in Punjab, Pakistan. The present study has adopted the smart-PLS to analyze the nexus among the constructs. The results have revealed that perceived ease to use, perceived usefulness, and perceived behavioral control have significant and positive relationships with the intention to use of electronic banking in Pakistan. The findings also indicated that government support significantly and positively mediates among the relations of perceived ease to use, perceived usefulness, security and privacy, perceived behavioral control and intention to use of electronic banking among university students in Pakistan. These outcomes provide the guidelines to the banking regulatory authorities while developing the policies related to the use of electronic banking.     

scholarly journals Customer's Adoption of Mobile Government Services: The Role of Trust and Information Privacy

2021 ◽  
Vol 9 (1) ◽  
pp. 20-27
Author(s):  
Dr. Sulaiman Althuwaini ◽  
Dr. Mohamed Saleh Salem
Keyword(s):  
Saudi Arabia ◽  
Technology Acceptance ◽  
Mobile Services ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Technologies ◽  
Security And Privacy ◽  
Intention To Use ◽  
Government Services ◽  
The Impact

The purpose of the study is to examine the factors that impact the intention of Saudi citizens to use a mobile government smartphone application (Absher). Saudi Arabia seeks to invest and develop the infrastructure of the government’s mobile services, to be one of the leading countries in the region. Smartphone applications backed by mobile technologies have changed mobile services use which permit anywhere at any time access. Drawing on technology acceptance theories and relevant literature, this study developed and tested a structural model that integrates factors perceived usefulness, perceived ease of use, perceived privacy and trust in order to investigate the predictors of Absher use intention in the Saudi Arabia. The proposed model is tested using structural equation model (SEM) on data collected using an online questionnaire. Statistical analysis revealed that intention to use Absher was significantly associated with perceived trust, security and privacy, ease of use, and usefulness. Drawing on the technology acceptance model and trust theory, this study develops and empirically examines a model for users' intention to use mobile government services. This study contributes to the marketing literature by examining the impact of PU, PEOU and trust on mobile government services acceptance in developing countries.

Reading experiences influencing the acceptance of e-book devices

2015 ◽  
Vol 33 (1) ◽  
pp. 120-135 ◽  
Author(s):  
Eunil Park ◽  
Jungyeon Sung ◽  
Kwangsu Cho
Keyword(s):  
Technology Acceptance ◽  
Behavioral Control ◽  
Perceived Usefulness ◽  
Reading Engagement ◽  
Perceived Behavioral Control ◽  
Content Type ◽  
Reading Experience ◽  
Integrated Technology ◽  
Acceptance Model ◽  
The Impact

Purpose – This paper aims to explore users’ perception of, and then intention toward using, e-book devices as new reading devices, based upon an integrated technology acceptance model (TAM), reading engagement based upon flow theory and readability. The recent introduction of e-book devices has drastically changed the way people access and use reading content. However, few studies have explored the impact of reading experience on acceptance of e-book devices. Design/methodology/approach – A total of 219 participants participated in a survey after using e-book devices to analyze the research model. Findings – This study confirmed the crucial roles played by viewing experience, perceived mobility, perceived behavioral control, skill and readability. Also perceived usefulness and text satisfaction were found to have a positive and significant association with acceptance of e-book devices. Research limitations/implications – Implications and suggestions for researchers and manufacturers are also addressed in the present study. Originality/value – The current study focused on how actual reading experiences using e-book devices influences acceptance of e-book devices, through the triangular integrated model of TAM, reading engagement and readability features, and investigating users’ reading experience on the basis of responses to the characteristics of e-book devices.

scholarly journals HOW THE COVID-19 CRISIS IS AFFECTING CUSTOMERS’ INTENTION TO USE ISLAMIC FINTECH SERVICES: EVIDENCE FROM INDONESIA

2021 ◽  
Vol 7 ◽  
Author(s):  
Dety Nurfadilah ◽  
Sudarmawan Samidi
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Online Survey ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Government Support ◽  
Consumer Attitude ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
The Impact

The objective of this study is to investigate the factors that are affecting customers’ intention to use Islamic FinTech services during the Covid-19 crisis. It expands the technology acceptance model (TAM) by adding government support as a new variable for the context of Islamic FinTech services during the pandemic. Using TAM as a framework, we propose a model outlining the impact of government regulation, perceived usefulness, perceived ease of use, perceived trust, and user innovativeness on consumer attitude behaviour and the intention to use Islamic FinTech services, such as payment and peer-to-peer lending. 220 sets of data were collected from an online survey and analysed using partial least squares-structural equation modelling (PLS-SEM). The results show that government support for Islamic FinTech during the Covid-19 pandemic has had an indirect impact on attitude behaviour in using Islamic services through perceived ease of use and perceived usefulness. Attitude behaviour was found to have an impact on intention.

Safety Technology Adoption: Predicting Intention to Use Car Dashcams in an Emerging Country

2021 ◽  
pp. 2150022
Author(s):  
Ali Vafaei-Zadeh ◽  
Shin-Xian Ng ◽  
Haniruzila Hanifah ◽  
Ai Ping Teoh ◽  
Khaled Nawaser
Keyword(s):  
Technology Adoption ◽  
Social Influence ◽  
Technology Acceptance ◽  
Behavioral Control ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Behavioral Control ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Personal Innovativeness

This study investigates the factors that affect the user’s intention to use dashcam in Malaysia. This study examines the quantitative relationship of intrinsic as well as extrinsic factors such as personal innovativeness, perceived uniqueness, perceived usefulness, perceived ease of use, attitude, perceived behavioral control, social influence, price value, and trust to the purchase intention of dashcam. Purposive sampling technique was employed to collect responses from 232 respondents based on two criteria: first, individuals who have experienced driving on the road and have a car; and second, individuals who not yet adopt or purchase the dashcam. The data were analyzed using SmartPLS (version 3.3.2). No relationship between personal innovativeness and perceived usefulness was found, in contrast to a significant relationship the former and perceived ease of use. Furthermore, perceived uniqueness was found significant to both perceived usefulness and perceived ease of use. Consistent with the literature, both perceived usefulness and perceived ease of use were identified as factors influencing attitude. However, perceived usefulness did not affect intention. Perceived behavioral control, social influence, attitude, and trust significantly affected the behavioral intention to use the dashcam in Malaysia. This study attempts to integrate and adapt two technology adoption models, namely the Combined Technology Acceptance Model and Theory Planned Behavior and extension of Unified Theory of Acceptance and Use of Technology, also extends the model with personal innovativeness, perceived uniqueness, and trust to fulfil the study’s objectives as well.

Adoption of Mobile Commerce Technology

2012 ◽  
Vol 3 (2) ◽  
pp. 36-49 ◽  
Author(s):  
Emad Abu-Shanab ◽  
Osamah Ghaleb
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Empirical Test ◽  
Mobile Commerce ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Security And Privacy ◽  
Privacy Concerns ◽  
Perceived Trust ◽  
The Impact

This research extended the Technology Acceptance Model (TAM) with perceived trust and perceived risks (security and privacy concerns) constructs to identify the impact of these factors on Jordanian users’ intentions to adopt mobile commerce (m-commerce). An empirical test was used utilizing 132 responses from students in two public universities in Jordan. Results indicated that perceived trust, perceived usefulness, and perceived ease of use are major influencers of mobile commerce adoption. On the other hand, perceived risk factors (security and privacy concerns) were not significant in this relation. Discussion, conclusion and future work are stated at the end of this paper.

scholarly journals Perceived value of social networking sites (SNS) in students' expressive participation in social movements

2014 ◽  
Vol 8 (1) ◽  
pp. 56-78 ◽  
Author(s):  
Juan D. Borrero ◽  
Shumaila Y. Yousafzai ◽  
Uzma Javed ◽  
Kelly L. Page
Keyword(s):  
Social Movements ◽  
University Students ◽  
Social Networking ◽  
Technology Acceptance ◽  
Social Networking Sites ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Content Type

Purpose – The purpose of this study is to determine the beliefs that influence university students to use social networking sites (SNS) for expressive participation in social movements. Design/methodology/approach – The original technology acceptance model (TAM), a quantitative methodological approach, and a survey were used to collect responses from 214 university students in Spain. Structural equation modelling was used to test the proposed relationships. Findings – Results confirm that the perceived ease of use (PEU) and perceived usefulness (PU) of SNS significantly affect a student's intention to use SNS for expressive social participation in social movements, with use intention significantly affecting actual participation. There was no significant moderating effect of students' gender on these relationships. Originality/value – Although there is much discussion in the popular press about how people use SNS, there is no published empirical research on the determinants that contribute to a person's intention to use and actual use of SNS in the context of social movements. This paper is one of the first studies to investigate young people's perception of the SNS usefulness and ease of the use for participation in social movements.

Exploring Determinants Influencing the Intention to Use Mobile Payment Service

2011 ◽  
Vol 2 (4) ◽  
pp. 17-37 ◽  
Author(s):  
Amira F. A. Mahran ◽  
Hala M. Labib Enaba
Keyword(s):  
Online Survey ◽  
Service Providers ◽  
Behavioral Control ◽  
Mobile Services ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Perceived Behavioral Control ◽  
Intention To Use ◽  
Proposed Model ◽  
Egyptian Culture

Mobile services are becoming increasingly commonplace in everyday life; however, Mobile payment (M-payment) is not among frequently used mobile services. The slowness of the diffusion of this service is the point of departure of the current research. The authors discuss why consumers are slow in adopting M-payment service and develop a proposed model that measures the customer’s attitude and intention to use this technology in Egypt. Different theories from diverse fields are reviewed to formulate the study’s conceptual framework. Empirical data were collected via an online survey for a sample of 490 students in “open education”, a type of e-distance learning. The results suggest that although the most important determinants influencing the customer’s attitude toward the service are perceived behavioral control and perceived usefulness, those influencing the intention to use it are perceived innovativeness, perceived expressiveness, facilitating condition, perceived usefulness, and social pressure. The results of the research differ from those of previous studies because of the effect of the Egyptian culture. Service providers can benefit from the results when formulating the marketing strategies to increase the usage of this service, improving mobile commerce.

Exploring Determinants Influencing the Intention to Use Mobile Payment Service

2013 ◽  
pp. 288-309
Author(s):  
Amira F. A. Mahran ◽  
Hala M. Labib Enaba
Keyword(s):  
Online Survey ◽  
Service Providers ◽  
Behavioral Control ◽  
Mobile Services ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Perceived Behavioral Control ◽  
Intention To Use ◽  
Proposed Model ◽  
Egyptian Culture

Mobile services are becoming increasingly commonplace in everyday life; however, Mobile payment (M-payment) is not among frequently used mobile services. The slowness of the diffusion of this service is the point of departure of the current research. The authors discuss why consumers are slow in adopting M-payment service and develop a proposed model that measures the customer’s attitude and intention to use this technology in Egypt. Different theories from diverse fields are reviewed to formulate the study’s conceptual framework. Empirical data were collected via an online survey for a sample of 490 students in “open education”, a type of e-distance learning. The results suggest that although the most important determinants influencing the customer’s attitude toward the service are perceived behavioral control and perceived usefulness, those influencing the intention to use it are perceived innovativeness, perceived expressiveness, facilitating condition, perceived usefulness, and social pressure. The results of the research differ from those of previous studies because of the effect of the Egyptian culture. Service providers can benefit from the results when formulating the marketing strategies to increase the usage of this service, improving mobile commerce.

scholarly journals Analysis of e-Government Services: A Study of the Adoption of Electronic Tax Filing in Indonesia

2020 ◽  
Vol 23 (3) ◽  
pp. 179
Author(s):  
Rosdiana Sijabat
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Perceived Risks ◽  
Acceptance Model ◽  
The Impact ◽  
Tax Filing

This study explores the impact of perceived usefulness, perceived ease-of-use, and perceived risks of using electronic tax filing (e-Filing) on the intention to use e-Filing through a technology acceptance model framework. The theoretical foundation used in this study is the technology acceptance model (TAM) on 201 valid questionnaires completed by Indonesian taxpayers. The data collected was analyzed by structural equation modelling using SmartPLS (3.0 Version). The results of the study revealed that e-Filing’s perceived usefulness and risk were significantly associated with intention to use, while perceived ease-of-use did not have a significant effect. Although the influence of perceived risks significantly mediated the influence of perceived usefulness, it did not significantly mediate the influence of ease-of-use. Gender was found to significantly moderate the influence of e-Filing’s perceived usefulness, but not to moderate the influence of perceived ease-of-use. Importance-Performance Matrix Analysis (IPMA) finds that the intention to use e-Filing is most strongly influenced by its perceived usefulness and perceived risk. This implies that policymakers must highlight the perceived usefulness and communicate the perceived risks of e-Filing to ensure taxpayers are willing to use the system. To the best of the author’s knowledge, this study is the first to examine both mediation and moderation to analyze the adoption of technology in Indonesia’s taxation system and offer a policy perspective through IPMA.

scholarly journals Sustainable initiatives in the food industry: Role of businesses and regulators

2021 ◽  
Vol 17 (4) ◽  
pp. 88-102
Author(s):  
Geoffrey Tanakinjal ◽  
Alesia Gugkang ◽  
Haji Rithuan
Keyword(s):  
Purchase Intention ◽  
Structural Equation ◽  
Behavioral Control ◽  
Public Awareness ◽  
Environmental Awareness ◽  
Subjective Norms ◽  
Perceived Behavioral Control ◽  
Intention To Use ◽  
Awareness Campaigns ◽  
The Impact

In response to global calls for environmental awareness, the Malaysian government enforced restrictions on plastic usage in the Malaysian foodservice industry in 2020. Despite the efforts of public awareness campaigns championing the detrimental effects of traditional plastic usage, the impact of measures taken by food traders remains inadequate. The paper seeks to explore the relationship between subjective norms, perceived behavioral control, attitude, and the intention to use biodegradable straws among food traders. Purposive sampling method, the Structural Equation Model (SEM), and Partial Least Squares (PLS) tools were employed. The sample included 270 respondents. The result found a significant correlation between the four variables, i.e., subjective norms, perceived behavioral control, attitude, and intention to use. Hence, results obtained indicate that conscientious consumers have a significant influence on businesses in their quest to reduce their overall impact on the surrounding environment. Consequently, their socially responsible decisions, i.e., initiatives of using biodegradable products, have advocated mindful consumerism and encouraged positive purchasing behaviors. The results predict increasing demands as an outcome of this accumulated synergy, and this in turn provides more opportunities for food traders and their associated counterparts. The contributions of this study extend toward both theoretical and practical knowledge: (a) better understanding of consumer attitude and how it influences purchase intention, and (b) government regulation and enforcement towards environmental awareness and activities associated with global contributions.

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