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1.
The global spread and use of internet and mobile contributed to the development of digital payments and baking. There is a lack of research which provides comprehensive synthesis and analysis of factors affecting the use and adoption of digital banking and payment methods in GCC countries. Thus, the aim of this paper is to provide a comprehensive literature review and perform weight and meta-analysis. By reviewing 46 studies, it was found that best predictors for digital payment and banking adoption in GCC countries are trust, perceived security and perceived usefulness. Based on the extensive literature review, the conceptual of factors affecting adoption digital banking and payment methods in Gulf countries model was proposed, which will set agenda for future research. Practitioners will be able to use the findings from this study to improve adoption and quality of digital banking and payment services 相似文献
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Mobile payment technology continues to spread across the globe, but its diffusion has not been uniform. Its low usage in developing economies is of particular concern to policymakers since this technology has the potential to enable financial inclusion. In this study, in order to develop policy interventions for greater usage, we comparatively analyze factors impacting actual usage and future use intention. India, with its uneven trajectory of mobile payments, gives us an appropriate field to investigate citizens’ usage behaviour. Considering users’ perceptions of both positive and negative attributes of the technology, we develop research models under the umbrella of the valence framework. We utilize technology affordances and constraints theory (TACT) to refine the research models through an understanding of various innovative uses. To test the valence-TACT models, we collect survey responses of 551 citizens across four Indian cities. The results from the models show how certain factors, such as convenience, reflection, and security, have different impacts on actual usage and future use intention, respectively. These findings have implications for critical issues like security, risk, and digital literacy, and can help in the design of policy recommendations for enhancing the use of mobile payments, thereby impacting financial inclusion for all. The valence-TACT model provides a theoretical contribution to mobile payment and innovation literature and also offers several policy insights. 相似文献
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《International Journal of Information Management》2014,34(2):151-166
Although mobile-related technologies are widely accepted in today's society, mobile payment in Virtual Social Networks (VSN) is not among the most widely used mobile services. This paper analyzes users’ acceptance of mobile payment in VSN. In order to analyze the level of acceptance of this technology, as well as the factors that determine its use by consumers, we have introduced a modification of the classical technological acceptance models (TRA and TAM). Thus, the study proposes and tests an integrated theoretical model, which establishes the relative importance of the key factors (external influences, ease of use, usefulness, attitude, trust and risk) in terms of the acceptance of the mobile payment system in VSN. It also analyzes the eventual moderating effect of users’ experience with similar tools. The empirical results show that the proposed behavioral model (named MPAM-VSN) is accordingly adjusted, thus showing that previous experience increases intention of use. Finally, the results obtained in this study reveal interesting implications for the diffusion of mobile payment systems in VSN. 相似文献
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《International Journal of Information Management》2017,37(6):693-702
How do the behavioral-cognitive-emotional constructs of attitude, satisfaction, and habit drive consumer continuance intention of incumbent mobile technologies? From a survey of 528 consumers, we ran two structural equation models: model #1 is a base model of direct effects of attitudes and satisfaction on continuance intention; model #2 adds habit as a mediator variable. We show that consumer attitudes are stronger predictors of continuance intention, without mediation effects from habit. Consumer satisfaction only weakly predicts continuance intention and is mediated by habit. While satisfaction is correlated with consumer attitude, and satisfaction is correlated with habit, consumer attitudes seem unrelated to any habits. Attitude seems to be the strongest determinant of continuance intention; second, in the absence of compelling rational data, or given beliefs that competitors are largely undifferentiated, consumers might continue using the same product. Such complex interactions between variables may not be adequately captured in a straightforward variance model, however this study extends research in habit and continuance intention and provides for future research exploring the importance of habit over satisfaction and predominance of consumer attitudes in predicting continuance intention. 相似文献
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Rapid changes in digital consumer behaviour, influenced by exponential adoption of smartphones, require timely and sophisticated responses from retailers to these consumer needs. With a growing amount of big data available, fashion retailers need to innovate and develop more sophisticated analytics for new consumer behaviours such as m-commerce. This research has considered how Google Analytics data can be applied to develop customer journey maps to understand digital consumer behaviour. A multi-method research design was used, incorporating an innovative mobile eye tracking technology and mobile fashion consumer data from Google Analytics. Digital customers’ shopping journeys on the fashion retailer’s website were mapped using data sourced from eye tracking and Google Analytics, gathered in parallel. The comparison of these shopping journeys allowed a critical evaluation of the precision and usefulness of the Google Analytics database. Google Analytics tracked only half of the digital users’ activities, whereas eye tracking data documented digital consumers’ interaction with all elements of the fashion retailer’s website. The conclusion reached is that eye tracking can be used to audit the Google Analytics database for potential gaps in data and also to inform and improve marketing decision-making. 相似文献
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本文尝试将有限理性理论引入数字产品用户购买行为的研究中,探寻有限理性对用户购买行为的影响机制,根据个体行为模型,提出基于有限理性的数字产品用户购买意愿假设模型。结果表明,购买习惯、购买经验、情绪、能力、风险态度、认知、购买动机对用户购买意愿具有显著影响,认知是购买习惯、购买经验、情绪、能力、风险态度与购买意愿的完全中介。 相似文献
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《International Journal of Information Management》2017,37(2):14-24
Higher penetration of powerful mobile devices – especially smartphones – and high-speed mobile internet access are leading to better offer and higher levels of usage of these devices in commercial activities, especially among young generations. The purpose of this paper is to determine the key factors that influence consumers’ adoption of mobile commerce. The extended model incorporates basic TAM predictors, such as perceived usefulness and perceived ease of use, but also several external variables, such as trust, mobility, customization and customer involvement. Data was collected from 224 m-commerce consumers. First, structural equation modeling (SEM) was used to determine which variables had significant influence on m-commerce adoption. In a second phase, the neural network model was used to rank the relative influence of significant predictors obtained from SEM. The results showed that customization and customer involvement are the strongest antecedents of the intention to use m-commerce. The study results will be useful for m-commerce providers in formulating optimal marketing strategies to attract new consumers. 相似文献
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《The Journal of High Technology Management Research》2019,30(2):100353
The objective of this study is to explore how mobile payment services can be used to assists in co-creating value for both consumers and merchants from the view of service-dominant logic (S-D logic). This study adopts the view of S-D logic by considering mobile payment an application of technology by which both consumers and merchants integrate their own operant and operand resources to accomplish payment task and thus create desirable value. It builds a conceptual framework to describe such a value co-creation process by applying the expectancy-value theory as a mediation between customers' resources and value created, and by using task-technology fit as a mediation between merchants' resources and value created. In this way, a value co-creation between consumers and merchants can possibly be achieved. No past studies have been found to combine S-D logic with the extant theories to describe mobile payment use behavior. The framework this study builds, therefore, becomes the major contributions of this study. 相似文献
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移动数字阅读用户体验动态行为模型及实证研究 总被引：2，自引：0，他引：2
随着移动互联网的发展与普及，用户体验成为移动数字阅读领域备受关注的因素。本文从用户体验的动态阶段出发，从体验维度、认知和情感以及持续采纳行为等角度构建移动数字阅读领域用户体验动态行为的理论模型以及研究假设。通过收集434份有效问卷，利用Lisrel8.70对理论模型进行了检验和修正。结果表明：1）在用户体验决策阶段，期望确认程度和满意度是影响持续采纳意向的重要变量；2）在用户体验交互阶段，期望确认程度对于感知易用性和感知愉悦存在显著影响；3）在用户体验期望阶段，用户体验三层维度对于用户的持续采纳意向都具有显著影响，其中反思层体验的影响最大，其次是认知层体验，最后是感官层体验。 相似文献
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Potential for the use of mobile wallet is enormous and it is drawing attention as an alternative mode of payment worldwide. The present research aims to provide important insights into the TAM (Technology Acceptance Model) and UTAUT2 (Unified Theory of Acceptance and Use of Technology) models. This study develops a conceptual model to determine the most significant factors influencing user's intention, perceived satisfaction and recommendation to use mobile wallet. The research model included 206 responses from an online and manual survey in India. Our study tested the moderating effect of innovativeness, stress to use and social influence on user's perceived satisfaction and recommendation to use mobile wallet services. We found that ease of use, usefulness, perceived risk, attitude, to have significant effect on user's intention, which further influenced user's perceived satisfaction and recommendation to use mobile wallet services. We also determined the significant moderating effect of stress to use and social influence on user's perceived satisfaction and recommendation to mobile wallet services. This study provides an integrated framework for academicians to measure the moderating effect of psychological, social and risk factors on technology acceptance. It can also help practitioners by identifying important factors affecting user's decision, which further affects user's perceived satisfaction and recommendation to use mobile wallet services. 相似文献
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The paramount importance for mobile retailers, expecting higher sales and cost savings is customer retention. Though previous studies have explored various nuances of customer behaviour towards mobile commerce applications, this study majorly aims to understand the drivers of repurchase intention and satisfying experience in an m-commerce shopping environment. The study follows the stimulus-organism-response (S-O-R) theoretical approach. A cross-sectional design was adopted for this study involving data from 420 regular mobile shoppers in India through a non-probabilistic sampling procedure. The collected data were later analysed using structural equation modeling. The results indicate perceived ubiquity and m-commerce app incentives as two strongest predictors of impulsiveness and perceived value respectively. It was further observed that impulsiveness negatively affects consumers repurchase intention but positively enhances the satisfying experience, whereas perceived value favourably affects both the variable. The study contributes in various ways; first, a holistic model using the S-O-R framework is a new addition in literature ground; second, the extra focus on the construct satisfying experience will give a larger understanding to optimise the m-commerce applications efficiently. Moreover, the study also presents managerial implications for practitioners working in areas related to m-commerce. 相似文献
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《International Journal of Information Management》2016,36(4):531-542
This study aimed to investigate the issue of consumer intention to disclose personal information via mobile applications (apps). Drawing on the literature of privacy calculus theory, this research examined the factors that influence the trade-off decision of receiving perceived benefits and being penalized with perceived risks through the calculus lens. In particular, two paths of the direct effects on perceived benefits and risks that induce the ultimate intention to disclose personal information via mobile apps were proposed and empirically tested. The analysis showed that self-presentation and personalized services positively influence consumers’ perceived benefits, which in turn positively affects the intention to disclose personal information. Perceived severity and perceived control serve as the direct antecedents of perceived risks that negatively affect the intention of consumers to disclose personal information. Compared with the perceived risks, the perceived benefits more strongly influence the intention to disclose personal information. This study extends the literature on privacy concerns to consumer intention to disclose personal information by theoretically developing and empirically testing four hypotheses in a research model. Results were validated in the mobile context, and implications and discussions were presented. 相似文献
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微信支付是腾讯公司于2008年推出的移动支付创新产品,发展前景光明。本文在整合UTAUT模型和ITM模型的基础上,增加感知娱乐性和感知安全性两个因素,构建微信支付的用户接受模型,分析影响用户使用微信支付的关键因素。结果表明,按照影响力的大小,影响用户最终使用微信支付的因素依次为行为意愿、绩效期望、感知安全性、感知娱乐性、努力期望、初始信任以及便利条件。 相似文献
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This study enhances the existing literature on online trust by integrating the consumers’ product evaluations model and technology adoption model in e-commerce environments. In this study, we investigate how perceived value influences the perceptions of online trust among online buyers and their willingness to repurchase from the same website. This study proposes a research model that compares the relative importance of perceived value and online trust to perceived usefulness in influencing consumers’ repurchase intention. The proposed model is tested using data collected from online consumers of e-commerce. The findings show that although trust and e-commerce adoption components are critical in influencing repurchase intention, product evaluation factors are also important in determining repurchase intention. Perceived quality is influenced by the perceptions of competitive price and website reputation, which in turn influences perceived value; and perceived value, website reputation, and perceived risk influence online trust, which in turn influence repurchase intention. The findings also indicate that the effect of perceived usefulness on repurchase intention is not significant whereas perceived value and online trust are the major determinants of repurchase intention. Major theoretical contributions and practical implications are discussed. 相似文献
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【目的/意义】在线评论在消费者购买决策中的重要性日益凸显,探索电商平台消费者绿色产品在线评论信息采纳的影响因素,为进一步挖掘在线评论的商业价值、促进绿色产品的消费提供参考。【方法/过程】以TAM和ELM为理论基础,结合社会环境因素和消费者个体特质因素,构建电商平台消费者绿色产品在线评论信息采纳意愿的影响因素模型,运用结构方程模型进行实证检验。【结果/结论】结果表明评论质量和社会影响均对感知评论有用性产生正向影响,评论源可信度与感知评论有用性的关系不显著,感知评论有用性和社会影响又对评论采纳意愿产生正向影响,产品卷入度会调节消费者评论有用性的感知,而专业知识未能起到调节作用。 相似文献
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基于UTAUT和TTF模型的移动图书馆用户采纳行为研究 总被引：1，自引：0，他引：1
移动图书馆是新的网络环境下为用户提供随时、随地、随需信息服务的应用平台,近年来其呼声热度很高,但仍然面临用户采纳率不理想的局面,为解决此现实问题,分析和挖掘影响移动图书馆用户采纳意愿的因素,解释和预测移动图书馆用户行为是至关重要的。本文在整合UTAUT和TTF模型的基础上,从用户感知和任务/技术的双重视角构建理论模型,采用实证研究方法,利用结果方程模型探究各个因素对移动图书馆用户采纳意愿的影响。数据分析结果表明,绩效期望、个体创新和感知信任对移动图书馆用户采纳意愿有显著正向影响,任务技术匹配通过绩效期望间接影响用户采纳意愿。并在此基础上讨论了本文对移动图书馆发展的理论和实践意义。 相似文献
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《International Journal of Information Management》2016,36(3):258-270
In Canada, the healthcare system remains paper-laden, and EHR adoption by physicians lags behind many other industrial countries. Recent reviews identified individual and organizational factors as having the most important influence on EHR adoption and proposed taking a multidimensional perspective to study these adoption determinants. However, most studies have focused on physician EHR adoption measured at the individual level.ObjectivesFirst, we used a multilevel regression model to assess whether organizations' characteristics influenced physician behavioral intention to use EHR. Second, we sought to identify individual and organizational factors that explain physician intention.MethodsWe conducted a prospective cross-sectional study among physicians in 49 primary healthcare organizations in four regions of the province of Quebec (Canada). We first analyzed relationships between individual and organizational variables and intention. Second, we performed multilevel modeling to explore organizational characteristics' impact on physician intention to use EHR.Results278 completed questionnaires were returned from the 31 organizations that had at least 5 participants (response rate: 39.8%). Questionnaires showed satisfactory psychometric properties. The multilevel modeling found no significant overall influence of organizational level on physician intention to use EHR. Second, six of the individual level constructs had a positive and strongly significant impact on physician intention.ConclusionIn the Quebec context, organization-level seems to have no significant impact on EHR adoption by physicians. Hence, particular strategies are more likely to succeed if they target individual physicians rather than organizations. 相似文献
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The purpose of this paper is to examine the utilization of the marketing adaptability of branded mobile applications (apps) in order to understand the relationship between consumers and their attachment to branded apps. We develop a model grounded in the purchaser-brand relationship theory of remarketing in order to develop the consumer-brand relationship through mediator brand experience (BE) and moderator digital footprint. A survey was conducted with 421 participants from different regions in India. AMOS 21.0 and SPSS plugin called “Process Analysis System” proposed by Hayes (2013) were used to analyze the hypotheses. The results corroborate the proposed research model. It approves brand association with brand connection for those brands that are easily identifiable. The result also confirms that the comprehensive consumption values are the major influencing factors in the adoption of branded apps. The study enhances the comprehension of the impact of brand connotation on consumer behavior in terms of the usage of various branded apps and the practical and non-useful esteem attached to them. 相似文献
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《International Journal of Information Management》2017,37(6):520-538
This study applied the concept of online consumer social experiences (OCSEs) to reduce online shopping post-payment dissonance (i.e., dissonance occurring between online payment and product receipt). Two types of OCSEs were developed: indirect social experiences (IDSEs) and virtual social experiences (VSEs). Two studies were conducted, in which 447 college students were enrolled. Study 1 compared the effects of OCSEs and non-OCSEs when online shopping post-payment dissonance occurred. The results indicate that providing consumers affected by online shopping post-payment dissonance with OCSEs reduces dissonance and produces higher satisfaction, higher repurchase intention, and lower complaint intention than when no OCSEs are provided. In addition, consumers’ interpersonal trust (IPT) and susceptibility to interpersonal informational influence (SIII) moderated the positive effects of OCSEs. Study 2 compared the effects of IDSEs and VSEs when online shopping post-payment dissonance occurred. The results suggest that the effects of IDSEs and VSEs on satisfaction, repurchase intention, and complaint intention are moderated by consumers’ computing need for control (CNC) and computer-mediated communication apprehension (CMCA). The consumers with high CNC and low CMCA preferred VSEs, whereas the consumers with low CNC and high CMCA preferred IDSEs. The effects of VSEs and IDSEs on consumers with high CNC and CMCA and those with low CNC and CMCA were not significantly different. 相似文献