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The purpose of this study is to investigate the behavioral intention to adopt internet banking (IB) by individuals under the influence of user espoused cultural values in Fiji. A conceptual framework is developed by extending the Unified Theory of Acceptance and Use of Technology (UTAUT) model, incorporating customer satisfaction and perceived risk constructs and cultural moderators of individualism and uncertainty avoidance. This research adopts a quantitative approach and collects data from 530 respondents. The proposed model is tested using structural equation modelling. The empirical results obtained suggest that IB adoption is positively influenced by the levels of performance expectancy, effort expectancy, social influence and facilitating conditions while perceived risk negatively influences IB usage intention. IB intention was found to positively impact usage behavior which ultimately impacts customer satisfaction. This study also reveals that uncertainty avoidance dampens the influence of performance expectancy and facilitating conditions on IB adoption intention. The study highlights the importance of individual’s cultural values in promoting IB adoption. It contributes to the literature by extending and testing a comprehensive research model to better understand IB behavior. 相似文献
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Tiago Oliveira Miguel Faria Manoj Abraham Thomas Aleš Popovič 《International Journal of Information Management》2014
Mobile banking (mBanking) enables customers to carry out their banking tasks via mobile devices. We advance the extant body of knowledge about mBanking adoption by proposing a model for understanding the importance and relationship between the user perception of mBanking, initial trust in mBanking services, and the fit between the technology and mBanking task characteristics. We synergistically combine the strengths of three IS theories – task technology fit (TTF) model, unified theory of acceptance and usage of technology (UTAUT), and initial trust model (ITM). The model was tested in a study conducted in Portugal, one of the European Union (EU) countries with the highest mobile phone adoption. Based on the sample of 194 individuals we applied partial least squares (PLS) to test the conceptual model propose. The path significance levels were estimated using the bootstrapping method (500 resamples). The study found that facilitating conditions and behavioral intentions directly influence mBanking adoption. Initial trust, performance expectancy, technology characteristics, and task technology fit have total effect on behavioral intention. The paper offers valuable insights to decision-makers involved in the implementation and deployment of mBanking services. For researchers, the paper highlights the usefulness of integrating TTF, UTAUT and ITM in the development of a decision support framework to study the adoption of new technologies. 相似文献
3.
Vishanth Weerakkody Ramzi El-Haddadeh Faris Al-Sobhi Mahmud Akhter Shareef Yogesh K. Dwivedi 《International Journal of Information Management》2013
The adoption and diffusion of electronic government is often impeded by many social and individual factors relating to citizens. In this respect, intermediaries have emerged as a new model for delivering e-government services to overcome such obstacles. This study aims to examine the role of intermediaries in facilitating e-government adoption and diffusion using a survey based empirical study of 502 participants in Madinah City in Saudi Arabia. An extended UTAUT model is used as the theoretical basis utilizing trust in the Internet and Intermediaries. The results of this study show that there are significant relationships among the factors that influence intention to use e-government, namely, performance expectancy, effort expectancy, and trust of intermediary. In addition, the findings show that there is a significant relationship between facilitating conditions and usage behavior proving that intermediaries can influence adoption of e-government services. 相似文献
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This paper examines empirically the factors that affect the adoption of Internet banking by Tunisian bank customers. As base model, we use the technology acceptance model (TAM) and theory of planned behavior (TPB). The model employs security and privacy, self efficacy, government support, and technology support, in addition to perceived usefulness, perceived ease of use, attitude, social norm, perceived behavior control and intention to use Internet banking. Structural equation modeling is employed to examine the inter-correlations among the proposed constructs. A survey involving a total of 284 respondents is conducted and confirmatory factor analysis was used to determine the measurement efficacies. Theoretically, this study confirms the applicability of the TAM model and TPB in predicting Internet banking adoption by Tunisian bank customers. The results allow banks' decision makers to develop strategies that can encourage the adoption of Internet banking. Banks should improve the security and privacy to protect consumers' personal and financial information, which will increase the trust of users. Government should also play a role to support bank industry by having a clear and solid law on this will ensure that customers are more confident for using Internet banking, ensuring a better Internet infrastructure and helps them to encourage users to use Internet banking. Lastly, Tunisian Banks should focus on those clients who already have a home PC, access Internet and more educated and younger since they are the most likely to adopt Internet banking. 相似文献
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mHealth under the umbrella of eHealth has become an essential tool for providing quality, accessible and equal health care services at an affordable cost. Despite the potential benefits of mHealth, its adoption remains a big challenge in developing countries such as Bangladesh. This study aims to examine the factors affecting the adoption of mHealth services in Bangladesh by using the extended Unified Theory of Acceptance and Use of Technology (UTAUT) model with perceived reliability and price value factors. It also examines the moderating effect of gender on the intention to use and on the actual usage behavior of users of mHealth services. A well-structured face-to-face survey was employed to collect the data. Structural equation modeling (SEM) with a partial least squares method was used to analyze the data collected from 296 generation Y participants. The results confirmed that performance expectancy, social influence, facilitating conditions and perceived reliability positively influence the behavioral intention to adopt mHealth services. However, effort expectancy and price value did not have a significance influence on the behavioral intention. Moreover, Gender has a significant moderating effect on mHealth services adoption in certain cases. Finally, the theoretical and practical implications of this study are also discussed. 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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移动医疗发展迅速,医疗健康管理成为研究热点,为了研究用户对健康APP的采纳意愿及影响因素。本文从技术视角和健康行为改变视角,基于UTAUT理论和PMT理论构建用户使用意愿研究模型,通过调查问卷收集数据,并利用SPSS和AMOS进行统计分析和结构方程建模。研究发现：绩效期望、信任感知、社会影响和努力期望依次显著正向影响用户的使用意愿;信任感知正向影响用户的自我效能和反应效能;用户的自我效能和反应效能分别正向影响用户的绩效期望、努力期望和社会影响;并为医疗健康服务商及APP开发运维商提供建议。 相似文献
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《International Journal of Information Management》2017,37(3):99-110
Banks seem to be one of the most business that are really interested in such systems to provide their customers better services as well as to enhance their effectiveness and efficiency. However, the successful implementation of Mobile banking largely depends on the extent of how much customers are fully motivated to adopt it. In fact, over the Jordanian context, the adoption rate of mobile banking is very low and quite few studies that have examined the related issues of mobile banking. Thus, the purpose of this study is to investigate the factors influencing behavioural intention and adoption of Mobile banking by customers of Jordanian banks. The proposed model has assimilated factors from the extended Unified Theory of Acceptance and Use of Technology (UTAUT2) along with trust. Data was collected by conducting a field survey questionnaire completed by 343 participants. The results mainly showed that behavioural intention is significantly and positively influenced by performance expectancy, effort expectancy, hedonic motivation, price value and trust. This study also looking forward to providing the Jordanian banks with applicable guidelines for effectively implementing and designing Mobile banking. Furthermore, research limitations and future directions will be discussed further in the last section. 相似文献
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Mobile banking is one of the most promising technologies that has emerged in recent years and could prove to have considerable value to both banks and customers. Thus, this study recognises the need to test the main factors that could predict the use of mobile banking as well as how using such a system could contribute to both customer satisfaction and customer loyalty. The conceptual model of this study combines two models (i.e. UTAUT2 and the D&M IS Success Model). A questionnaire survey was conducted to collect the required data from convenience sampling of Saudi bank customers. The main factors – performance expectancy, price value, facilitating conditions, hedonic motivation, habit, system quality and service quality – were found to have a significant impact on actual use behaviour. This study was cross-sectional, therefore future studies should implement longitudinal studies in order to re-collect the findings. Further, this study adopted convenience sampling of Saudi M-Banking users. This may adversely impact the issue of generalisability to the whole population. The gap in the M-Banking literature in Saudi Arabia would be bridged by proposing a comprehensive conceptual model that scrupulously clarifies the use of M-Banking from the perspective of Saudi users. Furthermore, this study would consider the adoption of numeric data in order to inferentially analyse them using SEM. This in turn would assist in generalising the findings to the whole Saudi population. 相似文献
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To provide a more realistic experience, e-retailers have implemented virtual try-on systems. It is, therefore, important to examine the variable that influences customers’ intention to use try-on technologies when online shopping for apparel. The main aim of the current study is to identify and examine the design and individual characteristics that influence centennials to adopt virtual try-on systems. Factors extracted from the UTAUT2 model and technology readiness were proposed in the current study model, which was empirically validated based on data collected from 315 participants. The main results of structural equation modeling largely supported the significant role of “optimism” and “innovativeness” in performance expectancy and price value. Behavioral intention was also predicted by all the factors of UTAUT2 apart from effort expectancy. These results provide a guideline for online retailers on how to communicate with their centennial customers to influence them to adopt try-on technology. 相似文献
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Mobile payments are the future as we move towards a cashless society. In some markets, cash is already being replaced by digital transactions, but consumers of many developing countries are slower in transition towards digital payments. This study aims to identify major determinants of consumer mobile payment adoption in India the country with second largest mobile subscribers in the world. Existing mobile payments adoption studies have predominantly utilised Technology Acceptance Model (TAM), which was primarily developed in organisational context and criticised for having deterministic approach without much consideration for users’ individual characteristics. Therefore, this study adapted meta-UTAUT model with individual difference variable attitude as core construct and extended the model with consumer related constructs such as personal innovativeness, anxiety, trust, and grievance redressal. Empirical examination of the model among 491 Indian consumers revealed performance expectancy, intention to use, and grievance redressal as significant positive predictor of consumer use behaviour towards mobile payment. Moreover, intention to use was significantly influenced by attitude, social influence, and facilitating conditions. The major contribution of this study includes re-affirming the central role of attitude in consumer adoption studies and examining usage behaviour in contrast to most existing studies, which examine only behavioural intention. 相似文献
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《International Journal of Information Management》2003,23(5):381-394
Cell phone usage has grown phenomenally in Africa, and particularly in South Africa where initial growth forecasts have been greatly exceeded. This technology therefore provides opportunities for services such as banking to reach critical mass. All major retail banks in South Africa provide cell phone banking, but very few customers actually use it. This study examines the factors that influence the adoption of cell phone banking in South Africa, as a means of understanding how to possibly increase the rate of adoption. A framework developed in Singapore identifying factors influencing the adoption of Internet banking was used as a basis, and amended to assess cell phone banking. Factors identified as influences included relative advantage, trialability, and consumer banking needs, with perceived risk having a major negative influence. 相似文献
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[目的]社会化媒体与社交网络的迅猛发展,驱动银行开始在其网站中嵌入各种社会化工具,为用户提供社会化服务。在这种环境下,影响用户使用网上银行的因素较传统互联网环境相比可能会发生变化。因此本研究聚焦于社会化媒体环境,探究该环境下影响用户使用网上银行意愿的影响因素。[方法]通过情景式问卷收集用户数据,采用相关性分析、多元回归分析、方差分析等方法进行数据分析。[结果/结论]在社会化媒体环境下,信息支持不仅可以直接正向影响用户对网上银行的使用意愿,还可以通过网站设计对用户使用意愿产生间接影响;情感支持可以通过正向影响网站设计而对用户使用网上银行的意愿产生间接影响;感知有用性、感知易用性、网站设计均可以直接正向影响用户的使用意愿,而感知风险则对用户的使用意愿具有直接的负向影响。此外,主观规范虽不能直接影响用户使用网上银行的意愿,但可以通过感知有用性对其产生间接地影响。 相似文献
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移动互联网的快速发展促使各种创新移动应用的不断涌现,移动打车软件的出现在一定程度上缓解了乘客"打车难"与出租车"空载率高"这一矛盾,为乘客和出租车司机双方提供便利。因此,以使用移动打车软件的乘客为研究对象,在UTAUT模型和初始信任理论的基础上,依据打车软件的自身特点加入感知趣味性、感知风险、感知价格水平等因素,构建理论模型,分析影响用户初始使用意愿的关键因素。通过问卷调查,利用SPSS和AMOS软件进行数据分析,根据分析结果为移动打车软件运营商提供相应的管理和营销建议。 相似文献
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在技术接受模型(TAM)、情绪心理学、神经科学等理论的基础上,以一个电子商务推荐系统为例,通过情景实验的方式考察积极情绪对用户信息技术采纳行为的影响。对实验数据的统计分析表明积极情绪正向影响用户对信息技术的采纳意向,并存在直接和间接相结合的影响模式。即积极情绪既直接提高采纳意向,也同时通过感知风险、感知有用性和感知易用性作为不完全中介变量提高采纳意向。在考虑情绪因素后,技术接受理论得到了丰富,也为信息技术推广方获得更高的用户接受程度提供了新的切入点。 相似文献
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移动互联网用户采纳研究——基于感知利益、成本和风险视角 总被引：1，自引：0，他引：1
基于感知利益、成本和风险视角,对移动互联网用户采纳行为进行研究,构建用户采纳的结构方程模型,以揭示影响用户采纳移动互联网的关键因素及其作用机理。利用SPSS软件对模型量表进行探索性因子分析,使用SmartPLS软件对模型量表进行验证性因子分析和对结构方程模型的假设进行检验。结果显示用户对移动互联网的感知有用性、感知乐趣、无所不在性、感知成本对感知价值影响显著,感知价值、社会影响和感知有用性对用户采纳意向有直接影响,用户创新意识对感知价值与用户采纳意向的关系有显著负向调节作用。最后,对研究结果进行了讨论,提出促进我国移动互联网发展的建议。 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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[目的/意义]对UTAUT模型在国内IT/IS采纳中的应用现状进行归纳总结,指出UTAUT模型应用中存在的不足、发现可能的发展趋势,以期启发国内应用UTAUT模型进行IT/IS采纳的未来研究。[方法/过程]选用中国知网学术期刊数据库,以UTAUT为检索词进行全文检索,采用文献计量法和内容分析法从研究主题、理论或模型应用方式、调查对象、采纳行为影响因素4个方面对筛选出的实证研究文献进行归纳整理总结。[结果/结论]国内应用UTAUT模型进行IT/IS采纳研究主要围绕互联网+"X"、移动服务领域展开,大部分文献通过扩展UTAUT模型方式,以学生为调查对象借助结构方程模型进行分析,实证研究中萃取的影响因素除UTAUT模型常规变量外,更多关注的是风险、成本、信任。UTAUT模型应用方式主要分为：单一模型、模型扩展、模型组合、模型整合4种方式;按影响因素属性不同可以分为：技术因素、经济因素、个人因素、环境因素和质量因素;按影响因素的作用原理分为：直接因素、间接因素、两栖性因素、调节变量。最后,对未来研究提出一些建议。 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