A model for Ugandan traders' use of mobile money services

Mobile money services give trade benefits such as bill payment, decreased transaction costs and time, expanded savings possibilities, sales, and convenience. Despite the benefits, traders in Uganda are still slow to adopt and use mobile money services. This article reflects on the findings of a study that looked at the barriers that merchants experience while utilizing and implementing mobile money services in Uganda. A self-administered questionnaire was utilized to obtain data from 394 survey respondents. A model for encouraging traders to use mobile money services is offered. The suggested model expands on the Unified Theory of Technology Acceptance and Use. According to regression study, performance expectancy, social factors, and sensitization components all have a substantial impact on the behavioral intention of mobile money service uptake for trade. On the other hand, security and effort expectation had no significant affect on traders' behavioral intention to use mobile money services. Furthermore, the data show that enabling conditions affected the utilization of mobile money services for commercial transactions. The suggested approach is adaptable and generic, and it may be used in other developing nations with comparable circumstances to Uganda.

The mediating effects of student satisfaction on technostress–performance expectancy relationship in university students

PurposeThis study aimed to explore the technostress effects on the students' expectancy in their academic performance. Three main factors were used as predictors, namely techno-complexity (TC), techno-insecurity (TIS) and techno-overload (TO), to measure the students' performance expectancy via the mediating effects of student satisfaction (SS).Design/methodology/approachA total of 234 survey-based online questionnaires were filled by students from Universiti Teknologi Mara (UiTM). Based on the data, the hypothetical model was tested statistically using the Partial Least Square–Structural Equation Modelling (PLS-SEM), specifically the Smart Partial Least Square (SmartPLS) version 3.3.2.FindingsThe results indicated that SS mediated the relationship between TC, TIS and performance expectancy. Nevertheless, the two predictors (TC and TIS) negatively affected SS, whereas SS positively affected the performance expectancy. The findings further revealed that reducing TC and TIS could increase SS and their expectancy to achieve better academic performance.Practical implicationsThis study proposed that higher learning institutions provide an innovative and user-friendly platform for the online learning environment. Consequently, this improvement could increase SS with the online learning experience and motivate them to expect better academic achievement.Originality/valueThis study also contributed to the existing literature by building and testing a technostress model and articulating the inter-relations between SS and performance expectancy.

Explicating Consumers’ Adoption of Wearable Technologies

This research aims to determine the key antecedent factors in consumers’ adoption of and their intention to recommend smartwatch wearable technology. The proposed research model combines the current technology acceptance and innovation diffusion theories with perceived aesthetic and perceived privacy risk to explain individuals’ smartwatch adoption and subsequent recommendation to other people. Based on a sample of 299 completed individual online surveys, the research employed partial least squares (a variance-based analysis method) for the model and hypotheses testing. The results showed some similarities as well as differences from the previous literature. The study found that performance expectancy, habit, and perceived aesthetic were the main predictors of smartwatch adoption. Compatibility was the antecedent factor of performance expectancy, and innovativeness directly influenced user adoption and effort expectancy. Consequently, user smartwatch adoption usually led to recommendation.

THE EFFECT OF CULTURE ON PERFORMANCE EXPECTANCY, INTENTION AND TRUST IN MOBILE PAYMENT ADOPTION

This study aims to investigate the role of culture at an individual level in the context of m-payment adoption. Specifically, it examines the effect of uncertainty avoidance and collectivism based on the Hofstede cultural dimensions on three important constructs in technology adoption as well as m-payment adoption which are performance expectancy, behavioural intention and consumer trust. The data was collected in Vietnam which ranked first in m-payment development worldwide in 2019 to test the hypotheses. The findings confirmed the significant impact of cultural variables in the context of mobile payment adoption. The positive and significant impacts of performance expectancy on behavioural intention and consumer trust, and consumer trust on behavioural intention are also confirmed which are aligned to previous studies. This research contributes to the body of literature of not only m-payment adoption, but also the impact of culture in m-payment adoption in particular and technology adoption in general.

THE EFFECT OF CULTURE ON PERFORMANCE EXPECTANCY, INTENTION AND TRUST IN MOBILE PAYMENT ADOPTION

This study aims to investigate the role of culture at an individual level in the context of m-payment adoption. Specifically, it examines the effect of uncertainty avoidance and collectivism based on the Hofstede cultural dimensions on three important constructs in technology adoption as well as m-payment adoption which are performance expectancy, behavioural intention and consumer trust. The data was collected in Vietnam which ranked first in m-payment development worldwide in 2019 to test the hypotheses. The findings confirmed the significant impact of cultural variables in the context of mobile payment adoption. The positive and significant impacts of performance expectancy on behavioural intention and consumer trust, and consumer trust on behavioural intention are also confirmed which are aligned to previous studies. This research contributes to the body of literature of not only m-payment adoption, but also the impact of culture in m-payment adoption in particular and technology adoption in general.

Financial Technology as a Future Game-Changer

Financial technology has emerged as a game-changer to complement and enhance how the Millennial and Generation Z conduct transactions. Responding to calls of prior research, this study used the unified theory of acceptance and use of technology (UTAUT) to understand how performance expectancy and effort expectancy factors influence consumers' intention to use financial technology. Performance expectancy (PE) and effort expectancy (EE) were investigated as exogenous variables towards the intention to use financial technology (FinTech) that act as endogenous variables in this study. The authors collected 284 Millennial and Generation Z respondents and analysed the data using PLS-SEM. The result from the study's structural model suggested that FinTech continuance use intention was dependent on performance expectancy and effort expectancy on engaging with young vibrant consumers and establishing attractive FinTech elements. In addition, Millennial and Generation Z consumers with a high-performance expectancy were found to emphasize FinTech components in the engagement process.

THE EFFECT OF CULTURE ON PERFORMANCE EXPECTANCY, INTENTION AND TRUST IN MOBILE PAYMENT ADOPTION

This study aims to investigate the role of culture at an individual level in the context of m-payment adoption. Specifically, it examines the effect of uncertainty avoidance and collectivism based on the Hofstede cultural dimensions on three important constructs in technology adoption as well as m-payment adoption which are performance expectancy, behavioural intention and consumer trust. The data was collected in Vietnam which ranked first in m-payment development worldwide in 2019 to test the hypotheses. The findings confirmed the significant impact of cultural variables in the context of mobile payment adoption. The positive and significant impacts of performance expectancy on behavioural intention and consumer trust, and consumer trust on behavioural intention are also confirmed which are aligned to previous studies. This research contributes to the body of literature of not only m-payment adoption, but also the impact of culture in m-payment adoption in particular and technology adoption in general.

Adapting the UTAUT2 Model for Social Commerce Context

Social commerce (SC) became a major channel for conducting business as a result of the ban adopted by many countries because of Covid-19 era. The simplicity of the Unified Theory of Acceptance and use of Technology (UTAUT) and its extended version (UTAUT2) invites researchers to explore other options that can yield better explanation of the adoption of SC. This study extended the UTAUT2 with perceived value, trust and a SC related construct. In addition, the study re-structured the UTAUT2 to fit with SC environment. The study utilized 463 surveys distributed in Qatar, and analyzed the data using SEM. Results fully supported the proposed model, where trust, perceived value, facilitating conditions, and hedonic motivation significantly predicted behavioral intentions with an R2 value equal to 72%. The model supported the role of performance expectancy and SC constructs in predicting perceived value, and the role of effort expectancy and habit in predicting hedonic motivation.

Factors Affecting e-Learning Acceptance among Students: The Moderating Effect of Self-efficacy

This paper aims to investigate e-learning acceptance in Malaysian higher education institutions and the moderating effect of self-efficacy. This study is crucial as online and distance learning have grown in all education sectors due to the COVID-19 pandemic. A valid sample of 414 survey responses from active students currently enrolled in undergraduate and postgraduate levels in Malaysian higher education institutions was collected for data analysis. Structural Equation Modelling (SEM) was employed in the data analysis. Results indicate that all four exogenous variables (performance expectancy, social influence, perceived enjoyment, and self-efficacy) significantly affect students’ acceptance towards e-learning. However, only performance expectancy and social influence are moderated by self-efficacy towards acceptance of e-learning, as self-efficacy does significantly strengthen the relationship of performance expectancy and social influence towards e-learning acceptance. The findings may serve as a reference point for future studies in response to changing the learning method preferences and technological advancements.

Towards a cashless society: Use of electronic payment devices among generation Z

Nowadays, transactions on e-commerce platforms (e-payment) utilizing a credit card are popular. Using credit cards for electronic purchases over the Internet is much different from offline purchases in traditional stores; only online transactions do not include either physical credit card or a signature. The e-payment has become a common mode of payment for online transactions made. It is an electronic billing system that gives clients the ability to make payments using the Internet. The objective of this paper was to analyze the associations among continuance intention e-payment, effort expectancy, facilitating conditions, performance expectancy, social influence, and actual usage of e-payment. The data was tested empirically on data collected from 667 Generation Z e-payment users in Malaysia. The results found that facilitating conditions, performance expectancy, and social influence impacted the actual usage of e-payment. Surprisingly, effort expectancy was not significantly associated with the actual e-payment usage. The findings of this study have several implications for managers and point the way towards future research. No prior empirical study has investigated the role of the Unified Theory of Acceptance and Use of Technology model on e-payment usage among Generation Z in Malaysia to the best of the authors’ knowledge. These results provide valuable contributions that can help decision-makers formulate or adjust their strategies associated with e-payments.