Improving the Sustainable Usage Intention of Mobile Payments: Extended Unified Theory of Acceptance and Use of Technology Model Combined With the Information System Success Model and Initial Trust Model

Under the background of global cross-border mobile commerce (m-commerce) integration, the importance of cross-border payment research is becoming increasingly prominent and urgent. The important value of this study is to empirically research the influence power of key elements in using two different mobile payment (m-payment) platforms in Korea. The extended unified theory of acceptance and use of technology (UTAUT2) has been widely applied in various studies because of its strong interpretive power. In Korea, there are a few empirical studies on Chinese users. Based on a survey of 908 Chinese participants (486 WeChat Pay’s Chinese users and 465 Kakao Pay’s Korean users) in Korea, this study is one application extending UTAUT2 by incorporating multi-group and multi-model constructs: UTAUT2, information system success (ISS) model, and an initial trust model (ITM), considering a multi-group analysis with some mediating variables (payment difference). By comparing the two different payment platforms’ characters, this manuscript provides a set of targeted measures to ensure Chinese WeChat Payment platform decision-makers create effective long-term strategic policies for cross-border m-payments in Korea, and eventually, benefit cross-border m-commerce and economic cooperation in Southeast Asia.

Factors Influencing Intent to Adopt Big Data Analytics in Malaysian Government Agencies

In Big Data Analytics (BDA), many government agencies directly raised their ICT expenditure in their effort to understand the attitude of the users towards new technologies. This research is intended to analyze factors affecting IT practitioners’ behavioral intentions in adopting (BDA) using a combination of multiple technology acceptance models. The synergistic three IS theory strengths: (1) Task Technology Fit (TTF), (2) Unified Technology Acceptance and Utilization Theory (UTAUT), and the (3) Initial Trust Model (ITM). The concept was validated in Malaysian government agencies, one of the highly dependent BDA promoters and initiators. 186 respondents in the Information Management departments of public agencies were recruited as part of the rigorous methodology to gather rich data. Partial least squares were analyzed by the structural models (PLS). The two key factors determine behavioral intention to adopt BDA in government agencies. Firstly, the assumption that the technology is going to produce great results raises the expectation of performance. Technological fit was the second determinant factor. Initial trust, on the other hand, was found to be adversely related to the BDA intention. Implicitly, the proposed model would be useful to IT officers in public agencies in making investment choices and designing non-adopter-friendly outreach strategies because they have more barriers to acceptance than adopters and lead adopters in the reward ladder. All public agencies will benefit from the findings of this study in gaining awareness of BDA application and fostering psychological empowerment of employees to adopt this revolutionary approach. The article outlines how dynamic TTF, UTAUT and ITM are for researchers to integrate in their emerging decision support framework for the study of new technology adoption.

Consumers’ Trust in Persuasion: Objective Versus Biased Elaboration Likelihood in China’s E-Commerce Advertising

Based on the elaboration likelihood model (ELM), this study examined the role of consumers’ initial trust in the persuasion process in e-commerce advertising in China. The results of two experiments revealed two significant moderators of the central route for processing of information: the disposition to trust (negative moderator) and institution-based trust (IBT; positive moderator). Specifically, low disposition to trust strengthened the influence of argument quality on consumers’ product attitude and purchase intention. The same effect occurred under conditions of high IBT. However, when it came to the peripheral route, the effects of disposition to trust and IBT were not significant.

Determinants of Intention to Use Artificial Intelligence-Based Diagnosis Support System Among Prospective Physicians

Background: This study aimed to develop a theoretical model to explore the behavioral intentions of medical students to adopt an AI-based Diagnosis Support System.Methods: This online cross-sectional survey used the unified theory of user acceptance of technology (UTAUT) to examine the intentions to use an AI-based Diagnosis Support System in 211 undergraduate medical students in Vietnam. Partial least squares (PLS) structural equational modeling was employed to assess the relationship between latent constructs.Results: Effort expectancy (β = 0.201, p < 0.05) and social influence (β = 0.574, p < 0.05) were positively associated with initial trust, while no association was found between performance expectancy and initial trust (p > 0.05). Only social influence (β = 0.527, p < 0.05) was positively related to the behavioral intention.Conclusions: This study highlights positive behavioral intentions in using an AI-based diagnosis support system among prospective Vietnamese physicians, as well as the effect of social influence on this choice. The development of AI-based competent curricula should be considered when reforming medical education in Vietnam.

An Exploration of Antecedents of Initial Trust in M-Payments

This study aims to investigate factors influencing the formation of consumers' initial trust in m-payments in a developing country such as India. Despite being considered a significant pre-adoption factor, initial trust in m-payments has remained underexplored. To fulfill this research gap, a cross-sectional survey of 1,087 respondents has been conducted, and the analysis has been done using factor analysis and structural equation modeling. Results indicate that consumers' awareness about m-payments and perceived integrity of mobile service providers positively influence initial trust, whereas perceived risks have a significant negative influence, and perceived opportunism of service provider has a marginally significant influence on the formation of initial trust. The findings will be helpful to the m-payment vendors, mobile network operators, and technology providers to enhance trust-building mechanisms in mobile payment systems that can have a positive impact on the adoption and usage of m-payments.

Online Selection of a Physician by Patients: The Impression Formation Perspective (Preprint)

BACKGROUND With the rapid development of online healthcare communities, an increasing number of physicians provide services in the online healthcare communities that enable patients to consult online. However, it is difficult for patients to determine the professional level of doctors before consultation and diagnosis because of information asymmetry. A wealth of information about physicians displayed in their profile as a new means to help patients evaluate and select quickly and accurately. OBJECTIVE This research explores how the profile information presented in the online healthcare communities affects patients' impression formation, especially the perception of professional capital (i.e., status capital and decisional capital). The impression further affects their consultation intention, partially mediated by the initial trust. Toulmin’s model of argumentation is used to understand the strength of the argument presented in physicians’ homepage information and divide it into claim, data, and backing. METHODS This study conducts an internet experiment and recruits 386 subjects on the internet to explore the effect of impression formation on online selection behavior by a patient. RESULTS The results show that the strength of argument has a significant positive association with the perception of professional capital. Perceptions of professional capital are highest when a fully composed argument (claim/data/backing) is included in a profile, with claim/data being the next highest and claim only the lowest. Recommendations from connections have the strongest impact. The professional capital perception, in turn, influences patients’ selection decisions, which is partially mediated by initial trust. CONCLUSIONS This study is of great significance to the implication for theory and practice. On the one hand, this research contributes to the online health community literature and suggests that the perception of professional capital on physicians be pre-presumed and built on the basis of the information before in-person interactive online. On the other hand, this study is helpful to understand the effect of various components included in the profile information on perceiving physicians’ ability, and not all information is of the same importance.

Trust building in mobile money and its outcomes

Purpose To examine the key factors that can engender initial trust in mobile money and to also determine whether initial trust can contribute to the perceived value of mobile money, use and recommendation intentions. More specifically, this paper, based on initial trust building model, aims to identify the institutional, cognitive and socially related factors enhancing initial trust in mobile money and its relationship with perceived value, use and recommendation intentions. Design/methodology/approach A self-administered questionnaire was used to collect data from 781 research participants. Variance-based structural equation modelling was used to examine the proposed research model. Findings This research shows the importance of the institutional factor of structural assurance, in conjunction with perceived firm reputation and communicability, in engendering initial trust in mobile money and, in turn, enhancing perceived value, use and recommendation intentions. The research further confirms the mediating influence of perceived value in the relationships between initial trust, use and recommendation intentions. Originality/value The originality of this work lies in the development and empirical confirmation of the research model and which together contributes to an increase understanding of initial trust building in mobile money acceptance. Value-wise, this work has the potential to inform managerial and public policy interventions by helping mobile money operators and policymakers’ rollout essential and even sophisticated financial services like borrowing using the mobile phone for the financially under-served in developing and trust-deficit settings.