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1.
Understanding the main determinants of Internet banking adoption is important for banks and users; our understanding of the role of users’ perceived risk in Internet banking adoption is limited. In response, we develop a conceptual model that combines unified theory of acceptance and use of technology (UTAUT) with perceived risk to explain behaviour intention and usage behaviour of Internet banking. To test the conceptual model we collected data from Portugal (249 valid cases). Our results support some relationships of UTAUT, such as performance expectancy, effort expectancy, and social influence, and also the role of risk as a stronger predictor of intention. To explain usage behaviour of Internet banking the most important factor is behavioural intention to use Internet banking. 相似文献
2.
Rising cyber-crimes have heightened existing concerns about e-banking security. However currently the use of biometric technology in the banking sector is not prevalent. We developed a biometric system for authenticating e-banking and applied the established System Usability Scale (SUS) to evaluate its effectiveness from the perspective of potential users. The case demonstrates that on the whole users are very favourable towards a biometric banking system and ostensibly found the system developed usable. We found that when evaluating the biometric system, its different components needed to be considered – namely the biometric technology and the institutional process that supports verification and authentication. 相似文献
3.
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
4.
Mobile banking (m-banking) has emerged dynamically over the years due to consumers' increased use of mobile technologies, their ever-growing lifestyle choices and also the several different economic factors. This paper proposes a new research model by extending the DeLone & McLean information systems (D&M IS) success model to understand users’ actual usage of m-banking. The research model was tested and validated using data collected by survey from 227 Omani residents. This study employed a two-staged analytical approach by combining structural equation modeling and neural network analysis. The results divulge that satisfaction and intention to use stand as two important precedents of actual usage, and the satisfaction also mediates the relationship between service quality, information quality and trust with intention to use m-banking and negates with that of system quality. We have provided the theoretical as well as practical implications of the findings. 相似文献
5.
To fully exploit the capabilities of complex technologies, businesses must deliberately foster technology acceptance by end users. This deliberate activity must recognize the complexity of factors that influence individuals’ perceptions, intentions, and usage of information technology. This study surveyed 66 professionally autonomous end users and gathered information on their perceptions related to several technology acceptance factors for a newly installed enterprise resource planning (ERP) system component. Study analyses focused on end user perceptions of ERP component usefulness, their intention to use the system, and self-reported usage of a system component. Valuable insights into the perceptions of professional end users toward a component of a complex technology were gained. Recommendations based upon the results of this study include: (a) clearly describe, early in the implementation process, an overall picture of the ERP system flow and visually show end users how the components they use “fit” into the whole system; (b) convert ERP-related “tech talk” to common end user language by either clear explanation of unique terms or associations of new terms to ones commonly understood by end users, and (c) provide adequate resources (financial, physical, human, etc.) to ensure that end users have access to timely support. 相似文献
6.
《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
7.
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
8.
《The Journal of High Technology Management Research》2014,25(2):123-131
This study investigates the competition and challenges of mobile banking system in Thailand. The analyses of the competitive landscape of mobile banking innovations are based on the Managing Migration Paths Model. The empirical study focuses on the leading banks in Thailand: Bangkok Bank, Kasikorn Bank, Siam Commercial Bank, Krung Thai Bank and Bank of Ayudhya. The study discusses the strategies, SWOT analyses of the mobile banking industry in the move towards the m-money economy. The results have shown that banks see mobile banking as a convenient delivery channel to provide value-added services to the bank customers. The competition forces banks to seek strategic alliances (network collaboration between the banking and ICT industries) to offer innovative solutions in the payment market. The results provide insightful implications on future challenges and increasing competition under 3G and 4G mobile phone networks whereby the e-payment market will get bigger when Thailand would enter the ASEAN Economic Community (AEC — upcoming regional competition in AEC countries) in 2015. 相似文献
9.
Characterizing the technology firm: An exploratory study 总被引：1，自引：0，他引：1
Amir Grinstein Author Vitae 《Research Policy》2006,35(1):121-143
Technology firms occupy a central position in modern economies. They drive economic growth, productivity gains and have created new industries and innovative products.Many will agree that technology firms are distinguished from others in their emphasis on technological activities. Since this observation is too general, researchers suggested a variety of specific criteria and definitions. A number of definitions of technology firms appear in the literature but many are arbitrary and simplistic and none gained wide acceptance. Similarly, the number of characteristics suggested is large, reflecting a variety of perspectives and interests. In this case too no agreement exists as to which are the important ones. Also, many seem to be interrelated capturing different aspects of the same underlying concepts.This paper is concerned with the issue of definition and classification of technology firms. We demonstrate the usefulness of a different approach to the definition and classification problem. We rely on executives’ evaluations of their firms’ technology profile and level. An analysis of these evaluations reveals the underlying dimensions the executives used in making their judgments. We regard the dimensions we uncover as capturing the essence of technology firms and use them to classify the firms we study. The specific characteristics the executives used to evaluate their firms were derived from a systematic scan of the literature. Thus, the list represents the set of characteristics early researchers viewed as describing and defining technology firms. The connection to early work enhances our findings’ validity and lends some credence to our belief that the three dimensions we uncover (R&D activities which are closely associated with a set of organizational elements and market conditions, product strategy, and corporate culture) can be used by others to define technology firms and classify firms according to their technology level. In our study we use these three dimensions to classify the firms studied. We show that the commonly used practice of classifying firms as high and low technology according to the industry to which they belong is flawed.Our goal in this study is not to offer a “new” or “better” definition and characterization of technology firms or to offer the “best” approach to the generation of the classification criteria. Rather, we demonstrate here the usefulness of a different approach to the problem. While our approach does suffer from limitations it has important advantages. We hope future studies will confirm not only the usefulness of our approach but also the general applicability of the specific criteria we identify in this study. 相似文献
10.
What makes some human faces more attractive than others is an interesting phenomenon which is difficult to explain based on few facial features. Research indicated that many facial parameters contribute to generation of a “harmonious face” which is found appealing by most observers. There are different theories developed on which and how these parameters blend in to make a harmonious face. Determination of these parameters and the underlying mechanism is important since achieving a harmonious face is the primary goal in dental and aesthetic surgical procedures. This article presents a model developed for computer-aided assessment of facial harmony, which assesses the facial harmony of male patients and generates a score that reflect the level of harmony. The computer-aided tool presented in this paper uses “theory of averages” as a mechanism for measurement of facial harmony which is frequently used by aesthetic surgeons and orthodontists for assessment of facial proportions of the patient. The output of the developed model is an index which reflects the degree of harmony of facial features and how well they blend into each other. 相似文献
11.
José Luis Moreno Cegarra Juan Gabriel Cegarra Navarro José Rodrigo Córdoba Pachón 《International Journal of Information Management》2014
This paper examines the relative importance and significance of the four technology enablers introduced by Davis (1989) in the technology acceptance model (TAM) (perceived ease of use, perceived usefulness, attitude towards using and behavioural intention) for use on four different levels of citizen engagement in e-government (null, publish, interact and transact). An extended technology acceptance model (TAM) is developed to test citizen engagement towards online e-government services from a sample of 307 citizens who used the benefits advisor tool within a Spanish City Hall. Although the proposed model follows TAM and explains the intention towards the actual use of e-government by postulating four direct determinants, “A, PU, PEOU and BI” have been considered as parallel processes, meaning that each can have separate influence in different levels of citizen engagement. To achieve this goal, a multinomial logistic regression is developed and tested to confirm the explanatory power of the four technology enablers on the four different levels of e-government. Our findings further suggest that in order to implement e-government, some of the enablers matter more than others to move from one level of citizen engagement to another. The main contribution of the paper is to question the use of existing models which seek to represent the relationship between technology enablers and the adoption of e-government services without considering their impacts on citizens’ engagement. The implications of the findings are discussed and useful insights are provided in relation to policy recommendations geared to create appropriate conditions to build citizens’ engagement intent of use of e-government services. 相似文献
12.
Joshua S. GansScott Stern 《Research Policy》2003,32(2):333-350
This paper presents a synthetic framework identifying the central drivers of start-up commercialization strategy and the implications of these drivers for industrial dynamics. We link strategy to the commercialization environment—the microeconomic and strategic conditions facing a firm that is translating an “idea” into a value proposition for customers. The framework addresses why technology entrepreneurs in some environments undermine established firms, while others cooperate with incumbents and reinforce existing market power. Our analysis suggests that competitive interaction between start-up innovators and established firms depends on the presence or absence of a “market for ideas”. By focusing on the operating requirements, efficiency, and institutions associated with markets for ideas, this framework holds several implications for the management of high-technology entrepreneurial firms. 相似文献
13.
As we can see in recent studies on mobile banking, there is an increasing number of papers addressing this new technology. Mobile banking contributes to the quality of life of people living in both developed countries, and also in emerging economies. In this context, we develop this paper in order to compare the determinants of mobile banking use between respondents from two countries with different levels of development: Brazil and the United States. Our theoretical model includes six variables as determinant factors of mobile banking use. In order to analyze path coefficients and test the six hypotheses, we employed a structural equation model. We also employed a quantitative test (multi-group analysis) to analyze the difference of path coefficients between the models of the two countries. The main results indicate similarities among the perceptions of the respondents that participated in the survey, but differences in coefficient magnitude. 相似文献
14.
Managing competences in entrepreneurial technology firms: a comparative institutional analysis of Germany, Sweden and the UK 总被引：1，自引：0，他引：1
Steven Casper 《Research Policy》2004,33(1):89-106
Innovating firms in new industries face a number of technological and market risks, especially appropriability and competence destruction. However, the relative significance of these varies between different sub-sectors, and so do managerial ways of dealing with them. These in turn are influenced by institutional frameworks, particularly those governing skill formation systems and labour markets. Consequently, the relative success of firms in fields with different appropriability and competence destruction risks is likely to vary between countries with contrasting patterns of labour market organisation. In the biotechnology and computer software industries, there are major differences in the dominant risks faced by innovating firms such that we would expect their relative success to differ between Germany, Sweden and the UK. While the UK and, to a limited extent, Sweden, have developed institutions similar to those found in the US that help govern “radically innovative” firm competences, Germany has invested in institutional frameworks associated with “competency enhancing” human resource practices that give its firms an advantage in more generic technologies in which organisational complexity is higher. While the distribution of public companies across sub-sectors broadly follows these expectations, Sweden has developed considerable strength in middleware software. This results from changing property rights and personnel policies at Ericsson. 相似文献
15.
结合我国加入WTO的历史背景，通过规范分析与实证分析相结合，在分析外资银行对我国银行所形成的种种挑战的基础上，站在我国银行业角度，提出了应对外资银行挑战的一系列对策。这有助于增强我国银行业的综合竞争力，有利于加大金融改革力度，加快金融改革步伐，从而为我国银行业深化改革提供参考和借鉴。 相似文献
16.
随着金融业的不断开放,我国银行为了打破传统利息业务的束缚开始进行不断的产品创新,寻求新的利润增长点来应对外资银行的挑战。采用固定效应下的GLS法,运用2003—2008年我国12家商业银行的面板数据实证分析了外资银行进入对我国银行产品创新的影响。研究发现,外资银行的进入促进了我国银行的产品创新能力的提高,并且效果显著。另外,我国银行的产品创新能力与经济发展程度、国有银行总资产占银行业金融机构总资产比、不良贷款率和员工薪酬呈正相关,与银行规模呈负相关,与净息差的关系则表现为不显著。 相似文献
17.
The second French Community Innovation Survey (CIS) indicates that 14% of R&D collaborating firms had to abandon or delay their innovation projects due to difficulties in their partnerships, an outcome which we term “cooperation failures”. Controlling for sample selection on the cooperation decision, our estimates show that firms collaborating with competitors and public research organizations (PROs), especially when they are foreign, are more likely to delay or stop an innovation project because of difficulties encountered in their R&D partnerships. More surprisingly, firms collaborating with their suppliers also face a higher risk of “cooperation failures”. At least for PROs, firms can reduce the risk of “cooperation failures” through previous experiences in partnerships. Larger firms and group subsidiaries are less likely to face “cooperation failures”, and so do firms in industries with a strong appropriability regime. 相似文献
18.
19.
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
20.
Crowd science: The organization of scientific research in open collaborative projects 总被引：1，自引：0，他引：1
A growing amount of scientific research is done in an open collaborative fashion, in projects sometimes referred to as “crowd science”, “citizen science”, or “networked science”. This paper seeks to gain a more systematic understanding of crowd science and to provide scholars with a conceptual framework and an agenda for future research. First, we briefly present three case examples that span different fields of science and illustrate the heterogeneity concerning what crowd science projects do and how they are organized. Second, we identify two fundamental elements that characterize crowd science projects – open participation and open sharing of intermediate inputs – and distinguish crowd science from other knowledge production regimes such as innovation contests or traditional “Mertonian” science. Third, we explore potential knowledge-related and motivational benefits that crowd science offers over alternative organizational modes, and potential challenges it is likely to face. Drawing on prior research on the organization of problem solving, we also consider for what kinds of tasks particular benefits or challenges are likely to be most pronounced. We conclude by outlining an agenda for future research and by discussing implications for funding agencies and policy makers. 相似文献