Understanding intentions and actual use of mobile wallets by millennial: an extended TAM model perspective

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Roktim Sarmah ◽  
Neeraj Dhiman ◽  
Honey Kanojia
Keyword(s):  
Technology Acceptance ◽  
Positive Relationship ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Equation Modeling ◽  
Content Type ◽  
Significant Positive Relationship ◽  
Tam Model ◽  
Actual Use

Purpose The present study aims to probe into the determinants of mobile wallet adoption by millennials with the assistance of extended technology acceptance model. Design/methodology/approach The data was collected from the students studying professional courses in leading private universities in the north region of India. Keeping in view of the objective and hypotheses, the Partial Least Square Structural Equation Modeling (PLS -SEM) technique was used to test the proposed model. Findings The tested model brings into notice the imperative observation, which clearly outlines that there are all significant relationships, which can be observed herein. To explicitly state: perceived ease of use (PEOU) has a significant positive relationship with the perceived usefulness followed by PEOU also shares a significant positive relationship with the behavioral intention, and lastly trust as a variable under study establishes a significant positive relationship with actual use (AU). Research limitations/implications Implications for the banking industry are to ensure the safety and privacy (financial information) confidential. Originality/value The present study contributes to the literature of mobile wallet in the developing nations.

scholarly journals Users’ Adoption of Sustainable Cloud Computing Solutions

2020 ◽  
Vol 12 (23) ◽  
pp. 9930
Author(s):  
Małgorzata Pańkowska ◽  
Krzysztof Pyszny ◽  
Artur Strzelecki
Keyword(s):  
Cloud Computing ◽  
Service Quality ◽  
Technology Acceptance ◽  
Online Survey ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Equation Modeling ◽  
Data Set ◽  
Tam Model

The paper is dedicated to factors influencing users’ adoption of sustainable cloud computing solutions. The article covers the important characteristics related to cloud computing. It also discusses how sustainable cloud computing is important for sustainability. The current state of their security and potential threats waiting for users is reviewed. The purpose of this study is to investigate the influence of perceived usefulness, security, availability, and satisfaction on users’ adoption of sustainable cloud computing solutions. The study tested and used the adapted Technology Acceptance Model (TAM) model in the context of cloud computing solutions. The partial least square method of structural equation modeling is employed to test the proposed research model. The study utilizes an online survey to obtain data from 252 cloud computing solutions users. The data set was analyzed using SmartPLS 3 software. Results showed that the best predictor of users’ perceived usefulness and system & service quality is perceived availability, followed by perceived security. Both perceived usefulness and system & service quality predict users’ attitude and intention to use of cloud computing solutions. The findings improve understanding regarding the adoption of cloud computing solutions, and this work is, therefore, of particular interest to the IT departments and cloud computing vendors.

m-Learning Management System use during Covid-19

2021 ◽  
pp. 026666692110354
Author(s):  
Akhmad Habibi ◽  
Mohd Faiz Mohd Yaakob ◽  
Ahmad Samed Al-Adwan
Keyword(s):  
Distance Education ◽  
Technology Acceptance ◽  
Management System ◽  
Learning Management System ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Primary Data ◽  
Equation Modeling ◽  
Learning Management

The current study examined factors affecting higher education students’ use of a mobile-based Learning Management System (m-LMS) for distance education during the Corona Virus Disease 2019 (Covid-19). A survey instrument based on the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB) was established and validated. The primary data were gathered from 1032 responses. The data were computed in SmartPLS 3.2. Partial Least Square Structural Equation Modeling (PLS-SEM) procedures were conducted to assess the measurement and structural models. The proposed model is valid and reliable. Findings of the study show that relationships emerge in seven out of ten hypotheses. The strongest relationship is between Perceived Usefulness and Attitude while the weakest exists between Perceived Ease of Use and Attitude. This study emphasizes awareness about the use of m-LMS in education, especially during distance education due to pandemics like Covid-19. The model is expected to provide a useful base for future academicians interested in conducting similar topics of research.

Malaysian SMEs m-commerce adoption: TAM 3, UTAUT 2 and TOE approach

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Maruf Gbadebo Salimon ◽  
Olanrewaju Kareem ◽  
Sany Sanuri Mohd Mokhtar ◽  
Olayemi Abdullateef Aliyu ◽  
Jibril Adewale Bamgbade ◽  
...  
Keyword(s):  
Technology Acceptance ◽  
Sample Size ◽  
Online Survey ◽  
Computer Anxiety ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Universal Theory ◽  
Content Type ◽  
Environment Model

Purpose The purpose of this study is to examine the factors that influence Malaysian Small and Medium Enterprises (SMEs) to adopt mobile commerce (m-commerce) by integrating the constructs of Technology Acceptance Model 3 (TAM 3), Universal Theory of Acceptance and Use of Technology 2 and Technology-Organization-Environment model. Though numerous m-commerce adoption (MCA) studies have been conducted, lesser attention is paid to how hedonic motivation (HM) can influence organizational users such as SMEs. This study bridges the gap by integrating the three models to provide a new lens to guide SMEs. Design/methodology/approach To examine the factors that influence the adoption of m-commerce, the researchers collected data from SMEs in Malaysia using an online survey. The sample size of the participants was determined through the available list provided by SME Corp Malaysia. The researchers also used Krejcie and Morgan’s sample size and G * Power techniques to determine that the sample size was appropriate. The data collected were analyzed using partial least square-structural equation modeling. Findings The findings of this study reveal that technological factors (computer self-efficacy [CSE], result demonstrability [RD] and computer anxiety [CA]) positively and significantly influence MCA. Likewise, the organizational/environmental factors (m-commerce knowledge, pressure from trading partners and pressure from competitors) positively and significantly influence MCA. The moderating influence of HM was also achieved on the relationship between CSE and RD. However, the proposed hedonic moderating relationship between CA and the adoption of m-commerce is not significant. Research limitations/implications This study integrates three models to explain the adoption of m-commerce among SMEs in Malaysia and tested the moderating influence of HM. The results obtained better explain the decision by the SMEs to use m-commerce. Originality/value The study critically considered how m-commerce can be adopted by SMEs in Malaysia, which previous studies have largely ignored. Considering this, the study, therefore, advances a new relationship by integrating Technology-organization-environment model with TAM 3 and the moderating influence of HM to explain MCA among SMEs. This paper is one of the few research studies to test the moderating influence of HM in this regard.

scholarly journals Predicting User Acceptance and Continuance Behaviour Towards Location-based Services: The Moderating Effect of Facilitating Conditions on Behavioural Intention and Actual Use

2017 ◽  
Vol 21 ◽  
Author(s):  
Mohamamd Alamgir Hossain ◽  
Mohammad Imran Hasan ◽  
Caroline Chan ◽  
Jashim Uddin Ahmed
Keyword(s):  
Technology Acceptance ◽  
Moderating Effect ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Mediating Effect ◽  
Location Based Services ◽  
Behavioural Intention ◽  
Actual Use ◽  
Facilitating Conditions

The purpose of this study is to establish and examine the significance of a consumer acceptance and continuance model for location-based services (LBSs) through the integration of perceived entertainment gratification (PEG) and perceived application quality (PAQ) with the technology acceptance model (TAM). By arguing that behavioural intention (BI) does not automatically lead to actual use (AU), we investigated the moderating effect of facilitating conditions (FC) on the relationship between BI and AU. A quantitative study was conducted in Australia and Bangladesh; data were obtained from multiple sources by systematic sampling of the distribution of questionnaires. For data analysis we applied the partial least square (PLS) method. The results indicate that, in both Australia and Bangladesh, perceived usefulness (PU), PEG and PAQ have significant influence on user attitude (UA), which has a subsequent effect on BI. Interestingly, perceived ease of use (PEoU) does not have a direct effect on UA but indirectly influences it through PU—confirming the mediating effect of PU. Further, FC has a moderating effect between BI and AU. The implications of these findings and directions for future research directions are also discussed.

scholarly journals Ekstensi TAM untuk Memprediksi Niat Menggunakan E-Money di Pontianak

2020 ◽  
Vol 5 (4) ◽  
pp. 264
Author(s):  
Irawan Wingdes
Keyword(s):  
Technology Acceptance ◽  
Rational Choice ◽  
Rational Choice Theory ◽  
Choice Theory ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Equation Modeling ◽  
Intention To Use ◽  
Compliance Cost

E-money berbasis smart card diwajibkan pemerintah daerah sejak tahun 2018 untuk pengisian bahan bakar tetapi publikasi data sekunder menunjukkan hasil tidak sesuai harapan. Penelitian kuantitatif ini bertujuan untuk memprediksi niat menggunakan e-money dengan mengekstensikan rational choice theory dengan faktor benefit of compliance, cost of compliance, cost of non compliance dan perceived speed pada technology acceptance model. Data dikumpulkan dengan survei menggunakan kuesioner, data diolah dan hipotesis diuji dengan structural equation modeling berbasis partial least square. Jumlah sampel dengan purposive method yang dikumpulkan adalah 336 responden (slovin) dengan margin of error 5% untuk populasi pengguna kendaraan di Pontianak. Pengujian menunjukkan faktor yang digunakan valid dan reliabel, dengan hasil: transaction speed, perceived ease of use, perceived usefulness, benefit of compliance, cost of compliance, cost of non compliance mempengaruhi behavioral intention. Faktor yang mempengaruhi paling kuat niat menggunakan adalah cost of non compliance dan perceived transaction speed. Hasil menunjukkan pengguna akan berniat menggunakan e-money bila diwajibkan dan disertai dengan sanksiKata kunci—E-money, Ekstensi TAM, Rational Choice Theory, Behavioral IntentionSmart card based e-money was required by local authorities since 2018 for refueling activity in Pontianak but results were not as expected. Therefore, this quantitative study aims to predict intention to use e-money by extending rational choice theory with its antecedents: benefit of compliance, cost of noncompliance, cost of compliance and perceived transaction speed to technology acceptance model. Data for analysis was acquired using questionaire based survey. Hypotheses are tested by utilizing partial least square based structural equation modeling. A total of 336 samples (slovin) from total vehicles owners in Pontianak are acquired using purposive method with margin of error of 5%. Test results shows antecedents extended to TAM are valid and reliable with transaction speed, perceived ease of use, perceived usefulness, benefit of compliance, cost of compliance, cost of non compliance significantly influences intention to use. Factors with greatest influence are cost of non compliance and transaction speed. Results suggest user’s intention to use e-money in mandatory situation are influenced strongly only when there are consequences imposed at non compliance.Key words—E-money, extended TAM, Rational Choice Theory,Behavioral Intention

ANALISIS TEKNIK RAGAM DIALOG DIAGNOSIS PENYAKIT BERBASIS SPK DENGAN SEMPLS

2018 ◽  
Vol 4 (1) ◽  
pp. 21-29
Author(s):  
Jihadil Qudsi ◽  
Jian Budiarto ◽  
Sandi Justitia Putra
Keyword(s):  
Physical Examination ◽  
Technology Acceptance ◽  
Interface Design ◽  
Structural Equation ◽  
Statistical Tests ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Tam Model ◽  
Interface Designs

Decision support systems, commonly called DSS (or SPK in Bahasa), in medical used to diagnose illness. But within its implementation these systems are not used optimally. The main cause is the interface of the systems that is not accordance with the user wants. Three interface designs layouts were proposed for the phase of history and physical examination and two interface designs layouts for investigations to be assessed by the respondents. Based on the results of the questionnaires selected by respondents, statistical tests were performed to determine the value of the use of interface design based on the Technology Acceptance Model (TAM) and modified TAM. The statistical methods used to examine the effect of variables on TAM and modified TAM i.e. the Structural Equation Modeling Partial Least Square (SEM PLS) method. The results of this study indicate that the respondents’ choice in the TAM and modified TAM model for the history and physical examination is the same as the based filling system. While for the supporting stage there are differences of respondent choice on TAM model with choice of graphical interaction system and on modified TAM model with windowing system option.

scholarly journals Pengukuran Penerimaan Sistem Informasi EWSKIA Berdasarkan Persepsi Pengguna dengan Menggunakan Technology Acceptance Model

2018 ◽  
Vol 8 (2) ◽  
pp. 166
Author(s):  
Aris Puji Widodo ◽  
Farid Agushybana ◽  
Sutopo Patria Jati
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
P Value ◽  
Perceived Ease Of Use ◽  
Tam Model ◽  
Acceptance Model

This study is a quantitative research that has a goal to measure the level of user acceptance of EWSKIA information system based on perception. EWSKIA is a healthcare application tool used to perform the process of recording and monitoring the health conditions of pregnant and childbirth mothers. The model used in this research is using Technology Acceptance Model (TAM) model with 3 variables, namely Perceived Ease of Use (PEOU), Perceived Usefulness (PU), and Behavioral Intention to Use (BITU). This variable consists of independent variables namely PEOU and PU, and the dependent variable is BITU. The respondents were 145 midwives from Grobogan District, Temanggung Regency and Salatiga City. Data analysis to conduct causal relationships between variables using Partial Least Square (PLS). The results of this study statistically show that the 3 hypotheses of H1, H2, and H3 adopted from the TAM model have a positive and significant influence. This is indicated by the value of the regression coefficient is positive and the coefficient of P value is less than 0.005

Acceptance of mobile money by poor citizens of India: integrating trust into the technology acceptance model

Info ◽  
2015 ◽  
Vol 17 (3) ◽  
pp. 58-68 ◽  
Author(s):  
Sumedha Chauhan
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Primary Data ◽  
Content Type ◽  
Mobile Money ◽  
Acceptance Model

Purpose – The purpose of this paper is to understand the acceptance of mobile-money (m-money) among target populations, i.e. below-poverty-line citizens in India, using the technology acceptance model (TAM). The m-money service is a major initiative that can enable the provision of low-cost and speedy money transfer through mobile phones, especially in developing countries such as India. For a large section of the population in India, m-money can act as a way to achieve financial inclusion. However, for m-money to succeed, users should accept the initiative wholeheartedly. Design/methodology/approach – The survey data were collected from 225 actual and prospective m-money users and analysed using partial least square technique. Findings – The findings imply that the trust and the core constructs of TAM such as perceived usefulness, trust and attitude towards usage contribute in influencing the intention to accept m-money. Perceived ease of use neither impacts perceived usefulness nor attitude towards usage. Practical implications – This research also provides possible explanations for the significant relationships between the constructs and discusses how this information can be used to enhance the acceptance of m-money among poor Indians. Originality/value – This research is original and is based on primary data collection and its interpretation. It provides thorough empirical insights on the acceptance of m-money among poor Indian citizens which is currently a weakly addressed and empirically less explored area of research.

scholarly journals TAM Model for E-Health Implementation in Rural Areas of Uttarakhand, Post Covid-19 Pandemic

2021 ◽  
Vol 16 (3) ◽  
pp. 67-74
Author(s):  
Pushpa Kataria ◽  
G.P. Dang ◽  
Divneet Kaur ◽  
Prashant Singh ◽  
Vijay Prakash Gupta
Keyword(s):  
Technology Acceptance ◽  
Rural Areas ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Effective Implementation ◽  
Tam Model ◽  
Actual Use ◽  
Rural Patients

Objective: The present study aim to find out the factors that has an influence and impacts the actual use of e-Health during post COVID-19 pandemic on the lines of TAM (technology acceptance model) and further suggest ways for effective implementation and adoption of e-Health by the rural patients. Design & Setting: The study was conducted on a total of 243 rural patients who had experienced e-Health services. Structural Equation Modeling has been used for analysis of data. Results: The analysis revealed that ‘perceived usefulness’, ‘perceived ease of use’, ‘privacy’ and ‘trust’, all had considerable impact on the ‘intention to use’ which further significantly  impacts the ‘actual use’. Conclusion: Using in-depth interviews, both patients and physicians, practice of evidence-based e-Health interventions was identified for effective implementation and adoption of e-Health, which further helps to provides an equitable healthcare services to both urban and rural population.

scholarly journals Determinants of Users’ Attitude and Intention to Intelligent Connected Vehicle Infotainment in the 5G-V2X Mobile Ecosystem

2021 ◽  
Vol 18 (19) ◽  
pp. 10069
Author(s):  
Zhiyuan Yu ◽  
Doudou Jin
Keyword(s):  
Technology Acceptance ◽  
Traffic Safety ◽  
Perceived Risk ◽  
Structural Equation ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Equation Modeling ◽  
Connected Vehicle

With the accelerating industrialization of 5G-V2X and smart automobiles, the intelligent connected vehicle (ICV) integrated with sophisticated communication, caching, computing, and control techniques enhance the functionality of in-vehicle infotainment (IVI) and also provide more powerful telematic or entertainment choices in vehicular environment. The diverse needs of ICV users (e.g., drivers and passengers) can be satisfied during commuting and traveling. However, considering the limitations of transportation environment, the potential attitude and usage behavior for the upcoming ICV infotainment directly impacts on the traffic and road safety in sustainable cities. In this paper, we conduct an online and offline survey to investigate the key factors influencing the user attitude and intention of ICV infotainment, where the answers of a total of 502 valid respondents (i.e., IVI users) are collected in China. A conceptual technology acceptance model with the constructs of perceived usefulness (PU), perceived ease of use (PEOU), social influence (SI), consumer innovation (CI), and perceived risk (PR) is established, and then assessed via partial least square structural equation modeling. We find that the constructs of PU, PEOU, CI, and SI have a direct impact on attitude and usage intention, of which 46.8% and 73.4% of variance, respectively, are explained. The respondents show positive attitudes and higher usage intention towards the ICV infotainment. Although PR has insignificant path with attitude and intention, the driving experience moderation effect exists between PR and usage intention. We can see that ICV infotainment will become a trend in future transportation scenario. Through this survey, reference for traffic safety and usage norms will be provided to reduce the risky of public health issues (e.g., traffic accidents) in the context of ICV infotainment.

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