scholarly journals The Analysis of Customer Behavior of Bank SUMUT in Non-Cash Transactions with New SMS Banking Service

2021 ◽  
Vol 8 (6) ◽  
pp. 208-214
Author(s):  
Ronald Regen Rikardo Ginting ◽  
Amrin Fauzi ◽  
Isfenti Sadalia
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Reasoned Action ◽  
Customer Behavior ◽  
Ease Of Use ◽  
Consumer Attitude ◽  
Correlational Research ◽  
Banking Service ◽  
Increasing Trend ◽  
Acceptance Model

Bank of SUMUT in 2016 launched the New SMS Banking service. This service is very much needed in the midst of the increasing trend of non-cash payments and the e-commerce industry. Various socializations and promotions have been carried out so that customers use the New SMS Banking service. However, the average number of transactions per customer through the New SMS Banking service tends to be stagnant and even has decreased over the last few months in 2017. The purpose of this study is to analyze the factors that influence the customer's desire to use the New SMS Banking service and formulate alternative strategies that can be implemented by Bank SUMUT to optimize this service. The type of research is correlational research. The questionnaires were distributed by purposive sampling to hundred customers from three Coordinator Branch Offices of the Bank SUMUT. The analysis showed that 41.5% of the attitude towards New SMS Banking was influenced by the Benefits of Use, Ease of Use, Risk of Use, Costs of Use, Personal Ability, Suitability of Lifestyle, and Bank Credibility. All of these variables simultaneously have a significant effect on the Attitude towards New SMS Banking. However, partially, the variable Self Ability does not have a significant partial effect on Attitudes towards New SMS Banking. Attitudes towards New SMS Banking affect customer interest in using New SMS Banking. Keywords: Technology Acceptance Model, Theory of Reasoned Action, SMS-Banking, Consumer Attitude.

scholarly journals Integration of technology acceptance model and theory of reasoned action in pre-dicting e-wallet continuous usage intentions

2021 ◽  
Vol 5 (4) ◽  
pp. 649-658
Author(s):  
Putu Laksmita Dewi Rahmayanti ◽  
I Gusti Ngurah Jaya Agung Widagda ◽  
Ni Nyoman Kerti Yasa ◽  
I Gusti Ayu Ketut Giantari ◽  
Martaleni Martaleni ◽  
...  
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Structural Equation ◽  
Theory Of Reasoned Action ◽  
Reasoned Action ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Continuous Usage Intention ◽  
Acceptance Model

The purpose of this study is to determine the factors influencing continuous usage intention of E-Wallet in Denpasar City with integrating the Technology Acceptance Model (TAM) And Theory of Reasoned Action (TRA). This study applied a structural equation model analysis with 140 samples collected from E-Wallet users in Denpasar City. The results show that all three determinants of E-Wallet continuous usage intention, including perceived usefulness, perceived ease of use, and attitude. Recommendations are provided for E-Wallet providers to improve their user continuous usage intention in Denpasar City.

Key Dimensions on B2C E-Business

2013 ◽  
Vol 4 (2) ◽  
pp. 43-55
Author(s):  
T. Ramayah ◽  
Simona Popa ◽  
Norazah M. Suki
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Purchase Intention ◽  
Reasoned Action ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Key Dimensions ◽  
Acceptance Model ◽  
Potential Customers

The purpose of this paper is to test and compare two models, which have been popularly used for explaining how users come to accept and use a technology and their behavioral intention. The Technology Acceptance Model (TAM) and the Theory of Reasoned Action (TRA) is used to analyze customer intention to buy online. By sampling 102 online potential customers in Malaysia, findings indicate that the TRA and TAM are valid models in the prediction of the intention to buy online. Attitude, subjective norm, perceived usefulness and perceived ease of use were found to be positively related to purchase intention, with attitude being the more influential predictor. TRA was found to be a better predictor in comparison to the TAM. The main conclusions of this research can be valuable to organizations that sell their products on the Internet.

scholarly journals Perkembangan Dan Penerapan Theory Of Acceptance Model (TAM) Di Indonesia

2020 ◽  
Vol 16 (2) ◽  
pp. 436-458
Author(s):  
Mainatul Ilmi ◽  
Fetri Setyo Liyundira ◽  
Afria Rachmawati ◽  
Deni Juliasari ◽  
Palupi Habsari
Keyword(s):  
Information Systems ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Reasoned Action ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
The Public ◽  
System Information ◽  
Acceptance Model

The article tellsabout model of technology acceptance. A system used by the end user necessary to test whether the system effectively and efficiently can be applied by user. Technology Acceptance Model (TAM) adopted the Theory of Reasoned Action (TRA) that is widely used to predict the acceptance and usefulness of the system information. TAM usesa comparison between the Theory of Reasoned Action (TRA) and the Theory of Planned Behavior (TPB). TAM is designed to predict the acceptance or use of information systems by usersand profit for a job. An acceptance of the theory of information systems began to be implemented in Indonesia from 2004 until today, which adopts the model proposed Davis et al in 1989. The theory was apparently accepted by the public to assess the acceptance of a system by the user based on its core construct perceived Ease of Use (PEOU) and perceived usefulness (PU). In Indonesia some researchers are implementing TAM 1989 at different locations, in various sectors as well as the time and different situations by using several different methods of analysis in each study. A significant result of variables in TAM lead this theory can be applied further in other information systems in Indonesia in addition to that already done the research for TAM is very easyto apply and be accepted by the public in a variety of sectors, namely in the public sector, business or private. Keywords: Technology Acceptance Model (TAM), perceived Ease of Use, perceived usefulness, system information

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.

FACTORS AFFECTING THE ADOPTION OF ELECTRONIC MONEY USING TECHNOLOGY ACCEPTANCE MODEL AND THEORY OF PLANNED BEHAVIOR

2019 ◽  
Vol 24 (1) ◽  
pp. 100-113
Author(s):  
Filona ◽  
Misdiyono
Keyword(s):  
Theory Of Planned Behavior ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Electronic Money ◽  
Factors Affecting ◽  
Acceptance Model

With the rapid growth of information technology, electronic money has played an important and central role in the e-payment. Development of electronic money is able to create a trend less-cash society, which is a society’s behavior using non- cash transactions by utilizing the simplicity offered through electronic transactions. The purpose of this research is to determine the factors affecting the intention to use electronic money. We designed a questionnaire and used it to survey a simple random sampling of people who use of e-money in DKI Jakarta. The actual samples used for the study are 125 respondents. We analyzed the data using Structured Equation Modeling to evaluate the strength of the hypothesized effects. The result of the analysis showed that perceived ease of use has no significant effect on attitudes towards the use of e-money. Perceived ease of use has a significant effect on the perceived usefulness of e-money. Perceived usefulness has no significant effect on the intention to use e-money. Perceived usefulness has a significant effect on attitudes towards the use of e-money. Attitude has a significant effect on the intention to use e-money. Subjective norm has a significant effect on the intention to use e-money. Perceived behavioral control has no significant effect on the intention to use e-money. Keywords: electronic money, technology acceptance model, the theory of planned behavior.

scholarly journals Facilitators and barriers to the utilization of the ACT SMART Implementation Toolkit in community-based organizations: a qualitative study

2021 ◽  
Vol 2 (1) ◽  
Author(s):  
Aksheya Sridhar ◽  
Amy Drahota ◽  
Kiersten Walsworth
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Autism Spectrum ◽  
Ease Of Use ◽  
Science Literature ◽  
Community Based ◽  
Web Based ◽  
Community Based Organizations ◽  
Facilitators And Barriers ◽  
Acceptance Model

Abstract Background Evidence-based practices (EBPs) have been shown to improve behavioral and mental health outcomes for children diagnosed with autism spectrum disorder (ASD). Research suggests that the use of these practices in community-based organizations is varied; however, the utilization of implementation guides may bridge the gap between research and practice. The Autism Community Toolkit: Systems to Measure and Adopt Research-Based Treatments (ACT SMART) Implementation Toolkit is a web-based implementation toolkit developed to guide organization-based implementation teams through EBP identification, adoption, implementation, and sustainment in ASD community-based organizations. Methods This study examined the facilitators and barriers (collectively termed “determinants”) to the utilization of this toolkit, based on the perspectives of implementation teams at six ASD community-based organizations. Two independent coders utilized the adapted EPIS framework and the Technology Acceptance Model 3 to guide qualitative thematic analyses of semi-structured interviews with implementation teams. Results Salient facilitators (e.g., facilitation teams, facilitation meetings, phase-specific activities) and barriers (e.g., website issues, perceived lack of ease of use of the website, perceived lack of resources, inner context factors) were identified, highlighting key determinants to the utilization of this toolkit. Additionally, frequent determinants and determinants that differed across adapted EPIS phases of the toolkit were noted. Finally, analyses highlighted two themes: (a) Inner Context Determinants to use of the toolkit (e.g., funding) and (b) Innovation Determinants (e.g., all website-related factors), indicating an interaction between the two models utilized to guide study analyses. Conclusions Findings highlighted several factors that facilitated the utilization of this implementation guide. Additionally, findings identified key areas for improvement for future iterations of the ACT SMART Implementation Toolkit. Importantly, these results may inform the development, refinement, and utilization of implementation guides with the aim of increasing the uptake of EBPs in community-based organizations providing services to children with ASD and their families. Finally, these findings contribute to the implementation science literature by illustrating the joint use of the EPIS framework and Technology Acceptance Model 3 to evaluate the implementation of a web-based toolkit within community-based organizations.

scholarly journals Exploring the Critical Factors, the Online Learning Continuance Usage during COVID-19 Pandemic

2021 ◽  
Vol 13 (10) ◽  
pp. 5471
Author(s):  
Chuan-Yu Mo ◽  
Te-Hsin Hsieh ◽  
Chien-Liang Lin ◽  
Yuan Qin Jin ◽  
Yu-Sheng Su
Keyword(s):  
Online Learning ◽  
Technology Acceptance ◽  
Family Support ◽  
Technology Acceptance Model ◽  
Online Teaching ◽  
Ease Of Use ◽  
Critical Factors ◽  
Factors Affecting ◽  
E Learning ◽  
Acceptance Model

In order to enable online learning to continue developing when the COVID-19 pandemic passes, this study aimed to identify the critical factors that affected the use of e-learning by university students during the pandemic. These critical factors will help to increase the efficiency of future development and deployment of online learning systems. Through a literature review, this study employed the technology acceptance model, social support, and task–technology fit as the theoretical basis to establish the framework of the online learning environment with regards to the technology acceptance model in the context of emergency management. A questionnaire survey was administered to students in universities that had implemented online teaching during the pandemic, and 552 valid responses were collected. The survey explored the factors affecting the willingness of higher education institution students to continue using online learning, and the following conclusions were drawn. (1) The easier an online learning platform was to navigate, the better it was perceived by the students, and thus the students were more willing to use it. (2) Ease of use and usefulness were associated with the teachers’ choice of platform and their ability to achieve a satisfactory fit between the course design and platform navigation, which thereby affected the students’ learning outcomes and attitude towards use. (3) The positive attitude of teachers towards teaching increased the students’ perceived ease of use of online learning. (4) During the pandemic, family support—a major support for teachers in online teaching—enhanced teachers’ attitudes towards, and willingness to provide, online teaching. A high level of support showed that the parents urged the students to learn and complete online learning tasks as instructed by the teachers, implying that family support could affect the students’ habits towards, adaptation to, and identification of online learning. The study results provide insights into the factors affecting the willingness of teachers and students to continue using e-learning platforms.

I want to learn more! Integrating technology acceptance and task–technology fit models for predicting behavioural and future learning intentions

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Alessandro Lo Presti ◽  
Assunta De Rosa ◽  
Enrico Viceconte
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Ease Of Use ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Moderated Mediation Model ◽  
Task Technology Fit ◽  
Acceptance Model ◽  
Training Opportunities ◽  
Future Learning

Purpose Constant and frequent technological changes within organizations call for further scholarly attention, as behavioural intentions need to be coupled also with future learning intentions to predict the present and prospective individual adaptations and performance. This study, grounded on the technology acceptance model, aims to examine the association between training opportunities and behavioural and future learning intentions also taking into account the role of task–technology fit as a moderator. Design/methodology/approach A survey was carried out within a single organization in the water processing sector on a sample of 200 workers who recently experienced a technological change through the adoption of System Application and Product in data processing. A moderated–mediation model was estimated through regression analyses with bootstrapping. Findings The results were consistent with study hypotheses. In particular, task–technology fit amplified the positive association between perceived ease of use and training opportunities as well as the indirect effect of this latter on both behavioural and future learning intentions through perceived ease of use and perceived usefulness. In sum, the hypothesized moderated–mediation model was confirmed. Originality/value Three novelty factors of this study can be stressed: it is among the few studies carried out on Italian workers in the realm of technology adoption, it expanded the technology acceptance model by including traditional behavioural intentions and future learning intentions as outcome variables and it integrated the task–technology fit perspective within the technology acceptance model.

An Application of the Technology Acceptance Model to Individual Protective Measures (IPMs) Against Viruses

2021 ◽  
pp. 0-7:51 minutes
Author(s):  
Matti Haverila ◽  
Salma Husain
Keyword(s):  
Social Influence ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Protective Measures ◽  
Influenza Pandemics ◽  
Environmental Measures ◽  
Acceptance Model

This presentation describes Technology Acceptance Model (TAM) when using individual protective measures (IPMs) against the spreading of viruses like COVID-19. The constructs in TAM are perceived usefulness, and ease of use, attitude towards the use of IPMs and the actual use as well as social influence, which were measured with relevant indicator variables. The statistical method used in the analysis was Partial Least Squares Structural Equation Modelling (PLS-SEM). IPMs include personal protective measures for everyday use (e.g., voluntary home isolation, respiratory etiquette, and hand hygiene); Personal protective measures for influenza pandemics (e.g., voluntary home quarantine, and use of face masks in community settings); and Environmental measures (e.g., routine cleaning of frequently touched surfaces). The results indicate that all relationships were significant also so that the effect sizes were large to medium with the exception of social influence -> perceived usefulness and social influence -> attitude towards usage.

Integrating TAM, TPB and TOE frameworks and expanding their characteristic constructs for e-commerce adoption by SMEs

2015 ◽  
Vol 6 (1) ◽  
pp. 76-94 ◽  
Author(s):  
Hart O. Awa ◽  
Ojiabo Ukoha Ojiabo ◽  
Bartholomew Chinweuba Emecheta
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Reasoned Action ◽  
Theoretical Framework ◽  
Future Research ◽  
Content Type ◽  
Perceived Service Quality ◽  
Integrated Framework ◽  
Perceived Trust ◽  
Acceptance Model

Purpose – This paper aims to propose a framework that integrated the technology acceptance model (TAM), theory of planned behaviour (TPB) and technology-organization-environment (TOE) and extended the constructs to enrich literature and capture some peculiarities of small and medium-scale enterprises (SMEs). Individually, the frameworks of extant TAM, TPB and TOE are insightful to the understanding of e-commerce adoption but a bit parochial in their constructs and so, can rarely provide clear lenses to deal with SMEs. Design/methodology/approach – The adoption of e-commerce depends largely on the users’ conscious assessment of the influencing constructs as proposed, among others, in theories of reasoned action, TAM, TPB and TOE. This paper reviewed, synthesized and extended the constructs of these models in an integrated framework. The proposed integrated framework led to 18 propositions to promote and facilitate future research, and to guide explanation and prediction of e-commerce adoption in an organized system. Findings – The introduced constructs in the integrated framework (e.g. company mission, individual difference factors, perceived trust and perceived service quality) introduce socio-technical systems and improve the theoretical base of adoption. Research limitations/implications – Neither the adoption drivers nor the constructs in the theoretical framework are mutually exclusive and exhaustive; rather, they are complementary and could incorporate other factors. Although the theoretical implications of the findings of this paper extend the scope of adoption drivers, the proposed framework needs to be tested empirically. Originality/value – The integrated and extended theoretical framework links three adoption drivers and attempts to improve existing knowledge on e-commerce adoption and to provide bases for more informed decision(s).

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