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.

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

Mobile Commerce Adoption From Consumers Perspective

2018 ◽  
Vol 9 (2) ◽  
pp. 12-27 ◽  
Author(s):  
Radwan Moh'd Al-Dwairi ◽  
Laith M.K. Al-Shraideh ◽  
Emad A. Abu-Shanab
Keyword(s):  
Service Quality ◽  
Technology Acceptance ◽  
Subjective Norms ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Adoption Process ◽  
Perceived Ease Of Use ◽  
Perceived Trust ◽  
Perceived Security ◽  
Acceptance Model

In response, to little research focused on how Jordanians perceive and respond to m-commerce and the main factors that govern its adoption and use, this article proposes a conceptual model that extends the technology acceptance model (TAM) with important factors related to consumers and companies like perceived trust, perceived security, subjective norms and service quality. The proposed model was validated and then tested utilizing a sample of 200 students. Results indicate that a perceived ease of use, a perceived usefulness and service quality are the major drivers of m-commerce adoption among Jordanian users. In contrast perceived trust, perceived security, and subjective norms are not significant toward the adoption process. A detailed analysis and results follows this article.

scholarly journals Cardless Banking System in Malaysia: An Extended TAM

Risks ◽  
2021 ◽  
Vol 9 (2) ◽  
pp. 41
Author(s):  
Qaisar Ali ◽  
Shazia Parveen ◽  
Hakimah Yaacob ◽  
Zaki Zaini
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Negative Impact ◽  
Positive Impact ◽  
Banking System ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Promotional Strategies

The main objective of this study is to analyse consumers’ behavioural intentions to use cardless banking technology in Malaysia. The intentions to use this technology are evaluated through an extended Technology Acceptance Model (TAM) framework. The data were collected from 447 Maybank and Hong Leong Bank customers in Selangor and Kuala Lumpur. The results show that self-efficacy (SE) had a positive impact on the perceived ease of use (PEOU), while perceived risk (PR) had a negative impact on perceived usefulness (PU) and intention to use (IU) cardless banking. Next, the perceived ease of use (PEOU) had a positive impact on perceived usefulness (PU). The results further support the idea that perceived usefulness (PU) and perceived ease of use (PEOU) had the strongest impacts on intention to use (IU). The practical implications of this study suggest that developers of cardless banking technology should introduce secure, less complicated, and easily accessible technology to improve consumers’ intentions to use. The perceived usefulness of this technology can be improved through promotional strategies and consumer training. Theoretically, this study has successfully extended TAM in the context of cardless banking technology in Malaysia. Moreover, this study will assist bankers in designing effective marketing strategies to attract more customers, which will add significant value to the overall business of the banking industry.

AIC Algorithm for E-Wallet Payment in the COVID-19 Pandemic in Vietnam

2022 ◽  
pp. 309-319
Author(s):  
Khoi Huy Bui
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Optimal Choice ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Perceived Trust ◽  
The World ◽  
Acceptance Model

The COVID-19 pandemic is continuously developing owing to the development of a new strain of coronavirus. Society is difficult with people's needs being higher, especially in daily spending and consumption, but many consumers are also tending to not want to keep too much cash on hand. In addition, the world is facing the COVID-19 pandemic, and Vietnam, in particular, has pushed businesses to focus on developing a cashless payment application called an e-wallet to pay bills to meet consumer needs. This chapter is based on concepts and theories of the technology acceptance model related to intention to use the e-wallets to form the research model comprising the independent factors of perceived usefulness, perceived ease of use, perceived risk, social influence, and perceived trust. This study uses the optimal choice of the AIC algorithm, and all the factors are acceptable.

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.

The role of technology readiness in individuals' intention to use health and fitness applications: a comparison between users and non-users

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Weisheng Chiu ◽  
Heetae Cho
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Negative Impact ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Technology Readiness ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Health And Fitness ◽  
Acceptance Model

PurposeThe purpose of this study is to examine individuals' decisions to use health and fitness apps by applying the extended technology readiness and acceptance model (TRAM), which combines technology readiness (TR), the technology acceptance model (TAM) and perceived enjoyment (PEN). Moreover, this study explores the differences between users and non-users regarding their intentions to use health and fitness apps.Design/methodology/approachData collection (n = 206) was conducted using convenience sampling from four large universities in South Korea. The data were analysed by partial least squares structural equation modelling (PLS-SEM) using SmartPLS 3.0.FindingsThe results revealed that positive TR positively affects perceived ease of use (PEOU), perceived usefulness (PU) and PEN, while negative TR had a negative impact only on PEN. Furthermore, the significant relationships between PEOU, PU and PEN were identified. In addition, multigroup analyses indicated that the relationships between positive TR and PEN, between PEN and PEOU, between PEOU and PU, and between PU and behavioural intention were positively stronger for app users.Originality/valueThis study initially applied the TRAM to understand individuals' behavioural intentions to use health and fitness apps. Moreover, this study identified the distinct roles of positive and negative TR affecting individuals' cognition regarding using health and fitness apps. The differences in the psychological processes between app users and non-users offer insights and implications for practitioners.

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>

scholarly journals Applying Technology Acceptance Model in Online Entrepreneurship Education for New Entrepreneurs

2021 ◽  
Vol 12 ◽  
Author(s):  
Yawen Su ◽  
Moyan Li
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Positive Impact ◽  
Entrepreneurship Education ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
External Control ◽  
Perceived Ease Of Use ◽  
Perceived Credibility ◽  
Acceptance Model

The present study aims to enrich the research on online entrepreneurship education, improve the level and ability of entrepreneurship services in China, and improve the overall success rate of entrepreneurship. Based on the technology acceptance model (TAM) proposed by researcher Davis, the study explores the application of TAM in online entrepreneurship education for new entrepreneurs. First, new entrepreneurs who are users of the online entrepreneurship education platform are selected as research objects, and then the influence of the four factors are studied, including perceived ease of use, perceived usefulness, classroom self-efficacy, and perceived external control. Finally, the hypothesis proposed is tested. Results show that online entrepreneurship education influences the perceived ease of use of the user and perceived credibility: the quality of the online entrepreneurship education has a positive impact on the user's perceived usefulness, interactivity has a positive influence on perceived ease of use and perceived usefulness, and interactivity positively influences the perceived ease of use of the user and perceived credibility. Perceived usefulness, perceived ease of use, and perceived credibility have a positive impact on the behavioral intention of the users. The proposed TAM provides some technical and theoretical support for the application of TAM in online entrepreneurship education for new entrepreneurs.

scholarly journals The Impact of Hofstede’s National Culture on Usage of Emails Among Academician in Malaysian Public Universities

2018 ◽  
Vol 7 (2.29) ◽  
pp. 990
Author(s):  
Anuar Shah Bali Mahomed ◽  
Michael G. Mcgrath ◽  
Bong Zhi Yuh
Keyword(s):  
Technology Acceptance ◽  
National Culture ◽  
Technology Acceptance Model ◽  
Public Universities ◽  
Negative Impact ◽  
Positive Impact ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Acceptance Model ◽  
The Impact

This research investigates the impact of Hoftstede’s National Culture which mediated by the Technology Acceptance Model (TAM) on usage of emails among academician in Malaysian public universities. Data was collected by using survey questionnaires among 146 academic staff from two public universities in Malaysia. Path analysis was conducted using SmartPLS 2.0 to assess the usage of emails model. Study found that power distance (PD), uncertainty avoidance (UA) and collectivism (C) have negative impact on perceived ease of use (PEOU) of usage of emails. Study further discovered that PD, and C have negative influence on perceived usefulness (PU) of usage of emails. In addition, study found that masculinity (M) has no noteworthy impact on both PEOU and PU of usage of emails. Moreover, long-term orientation (LT) and Indulgence (I) were found to have noteworthy positive relationship with PEOU and PU on usage of emails. On technology acceptance model (TAM), PEOU and PU were found to have noteworthy positive impact on usage of emails (U) while PEOU has a noteworthy positive impact PU of usage of emails. This paper discusses the implications of these findings for future academic research and practice.  

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