Article

Governmental Trust, Active Citizenship, and E-Government Acceptance in Lebanon

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Abstract

This research investigates important issues related to e-government services utilization and adoption in a developing country. The purpose was to investigate the primary antecedents related to intention to use e-government services within the context of an emerging market. Lebanon is a small developing market that is making significant investments in e-government technology. The expectation is that it will help to improve quality of life and decrease corruption, which is often connected to governmental services that lack automated processes or transparency in payments. A population of 454 Lebanese citizens were field surveyed, with a final useable sample of 296 respondents. The strong predictive power of the model is an important contribution to understanding consumer consumption of e-government services in a developing country with a pervasive perception of corruption by citizens.

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... The implementation of e-government services and their adoption by citizens appear to be a challenging endeavor. For instance, 60% to 80% of e-government projects tend to fail or are considered only partially successful [22]. In developed countries these figures are even more alarming, whereby the acceptance rate of new egovernment services does not exceed the 15% [35]. ...
... They include perceived usefulness, perceived advantages, performance expectancy and personal outcome expectation. Constructs in this category were studied as exogenous variables [5,8,10,15,17,19,22,32,40,44,45] and endogenous variables [17,36,40] in the literature. ...
... Trust (citizen's trust) in the literature often correlates with effort expectancy (practicality) based on Fakhoury and baker [22], indicating why citizen's trust has an arrow pointing toward practicality. No study in our literature review has studied the impact of trust on the perceived potential benefits. ...
Article
E-government services refer to services offered by governments using information technology (IT). Many governments around the globe are investing heavily in IT to enhance service delivery to their citizens. However, citizens do not always use these services so that they often forgo their potential benefits because of key interconnected considerations that are perceived to transpire from their use. Over the years several studies examined IT adoption in e-government services contexts, building a rich albeit fragmented body of knowledge in the process. Indeed, the diversity found in these studies and the fast and continuous change that characterizes IT in general, make the identification and the synthesis of the main factors influencing citizens’ adoption of E-government services a relevant and timely endeavor. For this reason, this study builds on the findings of a systematic literature review to provide a high-level framework that conceptually structures the state of knowledge on the topic, and that informs both researchers and practitioners on the main factors influencing e-government services adoption by citizens.
... These intermediaries should create, build, and maintain trust with citizens to pursue the activities cited above because it requires exchanging sensitive personal information with them [19]. Lack of trust is considered a barrier to the adoption of electronic services in several studies and is a factor for adopting e-government [22], [23]. Citizens are reluctant to use e-government services, mainly for security, privacy, and transparency issues. ...
... E-government transactions limit both wasta and bribery [28]. As most of the Lebanese neither trust their government nor the public bureaucracy [22], [23], [29], "it is merely impossible to implement the laws and regulations related to anti-corruption and bribery" [27, p. 4]. However, Lebanon has made progress fighting corruption in 2017 with the passage of Access to Information Law. ...
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E-government is undergoing a dramatic change, especially in developed countries and in many parts of the developing world. Advancement in technology and pluralization of e-service provision are the driving forces behind these changes. This paper argues that developing countries need to embrace these changes selectively and draw on a range of models appropriate while putting the needs and interests of their citizens at the heart of the reform efforts. This study builds on a better solution for citizens for intermediation that shall extend the coverage to non-users of e-services. Thus, the paper suggests a human intermediary framework based on bibliometric analysis and literature review that aims to reduce the gap between e-government readiness and citizen's ability to use e-services. It also examines Mukhtar's case, a legitimate human intermediary in three developing countries, and how they can shape the public-sector reform agenda, highlighting the factors that might impact these reforms if implemented efficiently.
... The performance expectations of accepting a technology or application can benefit users. Performance expectations are an important variable in the tendency of users to adopt a technology (Fakhoury & Baker, 2016). When users find practical and effective services, they can use these technologies or applications (Farzin et al., 2021). ...
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Purpose-Current technological developments have penetrated various aspects of life, including financial transactions. Financial technology can make it easier for people to conduct different financial transactions. One proof of the development of financial technology is the presence of electronic wallets, such as e-wallets. Therefore, this study aims to analyze e-wallet user satisfaction as measured by performance expectations and mediated by satisfaction. Design/Methodology/Approach-The population of this study consisted of Dana e-wallet users in Yogyakarta, Indonesia. Then, the research sample was determined based on purposive sampling using specific criteria, and a sample size of 84 respondents was obtained. The research data was collected by distributing questionnaires online, which contained statement items from each variable using a Likert scale. Then, the analysis tool used to process the data is Smart PLS version 4. Findings- This study proves that performance expectancy has a positive but insignificant effect on behavioral intention, while the relationship between performance expectancy and satisfaction has a positive effect. Satisfaction is proven to positively affect behavioral intention and mediate the relationship between performance expectancy and behavioral intention. Research limitations/implications-This research is limited to only a small number of samples and only for e-wallet users in Yogyakarta, so the research results cannot be used to generalize the behavioral intentions of e-wallet users in other areas. In addition, this research only focuses on Dana e-wallet users, not on other general e-wallet users. Originality/value-E-wallet service provider companies can consider the factors analyzed in this study to improve their product services. That way, the level of consumer intention to use e-wallets is expected to increase.
... As the digital era develops, licensing has also experienced a very revolutionary evolution with the introduction of electronic licensing systems and risk-based licensing systems to simplify licensing management (Ekawati and Sarikun, 2023). Ease of processing business permits according to many researchers is closely related to good government governance, and if it is better it will create public trust (Lee and Yu, 2013; Myeong et al., 2014;Khattab et al., 2015;Fakhoury and Baker, 2016;Purwanto and Susanto, 2018;Munyoka and Maharaj, 2019;Uthaman and Vasanthagopal, 2020;Handoyo, 2018;Yadav et al., 2020). Almost all of these researchers stated that the easy granting of permits encourages the realization of good government governance. ...
Article
Various reports state that investment in the ASEAN region has a good future, especially investment in the agricultural sector in general. One of the important instruments in investment is the permits obtained, which are widely reported to influence good governance and the level of public trust in licensing actors. The research aims to reveal the effects of implementing easy permits, and public trust in good governance, by taking cases as the latest research in agricultural-based areas. The research uses a quantitative paradigm, taking cases in Southeast Sulawesi Province, Indonesia. The sample size of 100 people was determined purposively. An important finding that is a scientific contribution is the proof that ease of business licensing can create public trust, and good governance, as well as the public trust that is formed can improve good governance, especially in areas that generally operate in the agricultural sector. The practical consequence is that every government, to absorb investment activities in the future, must strengthen good governance created through ease of doing business and creating public trust.
... • Performance expectancy: From the previous studies, we remark that different constructs refers to performance expectancy such as Perceived usefulness (Davis 1989;Davis et al, 1989), Extrinsic motivation (Davis et al., 1992), Job-fit (Thompson et al., 1991), Relative advantage (Moore and Benbasat, 1991) and Outcome expectations (Compeau and Higgins, 1995;Compeau et al., 1999). Performance expectancy is the main determinant of behavioral intention to use the technology (Fakhoury and Baker, 2016;Luo et al., 2010;Hongxia et al., 2011;Wang and Yi, 2012;Yu, 2012;Oliveira et al., 2014). Venkatesh et al. (2003) suppose that the influence of performance expectancy is moderated by gender (stronger for men) and age (stronger for younger men). ...
... In spite of the fact that, the UTAUT2 is the latest theory in the IT acceptance literature, so it has not been widely used and tested in the field [58,59], extending and applying this model will be considered as a significant contribution. Illustrating this, Venkatesh et al. (2012) asserted that UTAUT2 is superior compared to UTAUT in the term of variance explained related to technology use behaviour and intention from (52-56%) and (70-74%) respectively [57]. ...
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Background: Bariatric surgery offers an opportunity for physical activity (PA) promotion due to patients' increased ability to engage in PA. Technology-based PA interventions are promising tools for promoting PA to support patients in this key period. The Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) model is a recognized theoretical model for examining technology acceptability. Although a previous study reported that 92% of women with obesity have high acceptability of at least one technology-based PA intervention, little is known about the factors that lead to different levels of acceptability between technologies and therefore the reasons for choosing a preferred intervention. Objective: The purpose of this study was to (1) characterize the acceptability of 3 technology-based PA interventions (ie, telehealth, active video game, mobile app) in the context of bariatric surgery, and (2) explore patients' preference motives. This study, using a qualitative design, examined the suitability of the UTAUT2 model in this specific context. Methods: Participants (n=26) read written French descriptions of the technology-based PA interventions with illustrations and chose their preferred intervention. Semidirective interviews were conducted to explore the reasons for their choice of the preferred intervention, notably using the UTAUT2 framework. Data were analyzed based on inductive and deductive approaches. Results: All participants who preferred a technology-based PA intervention (ie, active video game, n=10; mobile app, n=10; telehealth, n=6) expressed a behavioral intention to use it. In addition, some of them expressed a high behavioral intention to use another technology (ie, active video game, n=4; mobile app, n=1; telehealth, n=7). All the constructs of the UTAUT2 emerged during the qualitative interviews and were specified through subcategories. Additional constructs also emerged, especially other motivational factors. Conclusions: This study showed that, in the context of technology-based PA interventions for postbariatric patients, the UTAUT2 is suitable, although additional motivational factors (which were not considered by the UTAUT2 model) should be considered.
... (Nawaz, 2020). The results of several studies explain that PE is one of the most determining factors for user behavior interest in mobile banking (Fakhoury and Baker, 2016). Therefore, the hypothesis is proposed as follows: ...
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The development of information technology at this time has succeeded in providing an evolution that leads to digital-based banking services (digital banking) in Indonesia. This is driven by the need for convenience in making payment transactions in Indonesian society. However, the process of digitizing banking services in Indonesia is still relatively slow. User acceptance of digital banking service applications is one of the supporting factors for the successful application of digital banking technology today. This study aimed to measure the acceptance of digital banking by customers of Government Bank in Greater Jakarta (Jakarta, Bogor, Depok, Tangerang, Bekasi) by using the UTAUT 2 model. This study used a sample of 100 respondents to scrutinize the respondents' views based on variables: performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, habit, trust, perceived risk, and knowledge. Data Analysis was performed using Structural Equation Modelling Partial Least Square (SEM-PLS). The results of the convergent validity test showed that all indicators have a loading factor value above 0.7, and the reliability test results show the value of Cronbach's Alpha above 0.7, which indicates that the variable is valid for further testing. The structural equation model with behavioral intention and using behavior as a dependent variable indicated that some variables had no significant effect. The results of the p-values test show that performance expectancy, and facilitating conditions have a significant effect on behavioral intentions and that behavioral intentions, trust, and knowledge have a significant effect on use behavior.
... Voorstanders van Mobile City apps wijzen op de steeds nauwere band tussen bewoners en lokale instanties in de aanpak van stedelijke overlast en lichte overtredingen. De nieuwe technologische interfaces die onder de brede paraplu van 'e-governance' vallen, worden bestempeld als kenmerkend voor en oorzaak van participatief 'actief burgerschap' (Hoskins & Mascherini, 2009) in uiteenlopende geografische omgevingen, gaande van Portugal (Machado & Azevedo, 2020), tot Libanon (Fakhoury & Baker, 2016) tot Zuid-Afrika (Sekyere et al., 2016). Deze nieuwe interfaces kunnen echter niet alleen een transformatie teweegbrengen in de relatie tussen burgers en de lokale instanties, maar ook tussen burgers onderling. ...
Article
Volinz, L., Steenhout, I., Beyens, K., & Melgaço, L. (2021). FixMyStreet! Een criminologisch-theoretisch perspectief op de afhandeling van overlast via mobiele applicaties. Panopticon, 42(6), 527.
... PE indicates to what extent does a person attributes the increase in performance of the received services to the technology used (Chiao-Chen, 2013). Many researchers have identified this variable as one of the most important determinants of behavioral tendencies (Fakhoury and Baker, 2016). Therefore, when a customer finds his/her services for banking transactions easier and faster than other banking facilities, he/she is more likely to accept M-banking services. ...
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Purpose The purpose of this study is to investigate important factors that help explain customer willingness to adopt mobile banking (M-banking). To this end, the unified theory of acceptance and use of technology 2 (UTAUT2) was applied and to more accurately predict customer behavioral intentions, it was attempted to extend it. Design/methodology/approach The research data were collected from 396 customers of Iranian private banks who had the experience of using M-banking. The structural equation modeling technique was used to test the research hypotheses. Findings Findings suggest that performance expectancy, effort expectancy, social influence, facilitating conditions, habit, hedonic motivation, perceived value and trialability are endorsed as proponents of M-banking adoption intention. On the other hand, M-banking adoption intention has also had a significant positive effect on actual use behavior and word-of-mouth (WOM). WOM has also influenced actual use behavior and mediated the relationship between M-banking adoption intention and actual use behavior. Research limitations/implications The present study focuses on private banks, therefore, although it is sufficient, it is limited to private cases. This study contributes to the literature on M-banking services and actual use behavior. By appropriately focusing on M-banking adoption intention and the service quality provided, banks can strengthen their relationships with customers, thereby stimulating actual customer behavior such as actual use behavior and WOM. Originality/value From theoretical and managerial aspects, this study has particular value for the literature on M-services’ intention in general and banking in particular. The present study provides a conceptual framework for M-banking adoption intention, which could be used in M-banking services. In addition, this study sought to extend UTAUT2 and to examine the mediating role of WOM in actual use behavior motivation as well.
... For consumers to choose any service or technology, their belief that they can derive better performance out of using a certain technology is the main decisive factor. Many researchers believe PE is the most significant factor in for BI [5,31]. ...
Chapter
This study demonstrates the adaption of Unified Theory of Acceptance and Use of Technology 2 to investigate how factors like effort expectancy, performance expectancy, social influence, price value, habit, facilitating conditions and hedonic motivation influences consumers intention, subsequently impacting users’ mobile financial services adoption. This study also shed light on the rural and urban perspectives by comparing the results of two different models. Also, this study applied gender as a moderator to gauge its effect between users’ intention and their adoption process. A self-administered questionnaire was developed using established scales. A survey on 392 respondents was conducted in Pakistan. Both SPSS and SmartPLS was used to analyze the data. The study findings revealed that there is a significant difference between factors which influences both rural and urban populations. However, the moderating role of gender was found supported only in the rural sample. This study provides an insight into the perspective of Pakistani consumers’ Mobile Financial Services adoption. The research findings can be adopted as a reference source by the service provider companies in formulating a strategic marketing plan.
... For consumers to choose any service or technology, their belief that they can derive better performance out of using a certain technology is the main decisive factor. Many researchers believe PE is the most significant factor in for BI [5,31]. ...
Chapter
This study demonstrates the adaption of Unified Theory of Acceptance and Use of Technology 2 to investigate how factors like effort expectancy, performance expectancy, social influence, price value, habit, facilitating conditions and hedonic motivation influences consumers intention, subsequently impacting users’ mobile financial services adoption. This study also shed light on the rural and urban perspectives by comparing the results of two different models. Also, this study applied gender as a moderator to gauge its effect between users’ intention and their adoption process. A self-administered questionnaire was developed using established scales. A survey on 392 respondents was conducted in Pakistan. Both SPSS and SmartPLS was used to analyze the data. The study findings revealed that there is a significant difference between factors which influences both rural and urban populations. However, the moderating role of gender was found supported only in the rural sample. This study provides an insight into the perspective of Pakistani consumers’ Mobile Financial Services adoption. The research findings can be adopted as a reference source by the service provider companies in formulating a strategic marketing plan.
... Al-Zoubi (2008) suggests that trust is one of the most important catalysts affecting citizens' decisions to adopt and use e-government systems. The importance of trust as a decisive factor in determining the success or failure of e-government has been reiterated in other studies (Fakhoury & Baker 2016;Shalhoub 2006;Zhao & Zhao 2010). The measure of trust is based on two fundamental aspects: the trust in the Internet and the trust in the e-government system. ...
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Background: Many Southern African Development Community (SADC) countries are adopting and implementing e-government systems to improve the efficiency and effectiveness of their service delivery systems, and Zimbabwe and Zambia are not an exception. However, scholars have noted that the acceptance and utilisation of e-government systems by citizens in Zimbabwe and Zambia is affected by many factors, among others, perceived privacy, perceived security, perceived trust, perceived risk and optimism bias. Objectives: The aim of this study was to investigate the effect of privacy, security, trust, optimism bias and perceived risk on citizens’ use behaviour of e-government systems in the SADC. Method: This study proposes an e-government utilisation model. A quantitative design was employed to collect data from a survey of 489 e-government users in Zambia and Zimbabwe to test the model fit using structural equation modelling. Results: Perceived lack of privacy, security, trust; perceived risk and optimism bias were all confirmed as salient factors affecting the utilisation of e-government systems by citizens in Zambia and Zimbabwe. The structural equation model results confirmed the model fit of the proposed e-government research model. All eight hypotheses for this study were confirmed. Conclusion: The findings of this study provide pointers to practitioners, decision-makers and policymakers on e-government matters on the need to seriously consider privacy, security, risk and trust issues of e-government systems to encourage the utilisation of such systems by citizens.
... Performance expectancy reflects an individual's awareness that a technology causes enhancements in service performance, be it through augmented response rate, efficiency and/or accessibility (Chiao-Chen, 2013). Many researchers consider this variable to be one of the most significant determinants of individual behavioral intentions (Fakhoury and Baker, 2016). Therefore, a consumer is more likely to adopt m-banking services if he/she perceives that these services will ease and IJBM expedite their banking transactions when compared to other banking facilities (Tan and Lau, 2016). ...
Article
Purpose The purpose of this paper is to study the important factors which help explain consumer intention and use behavior in mobile banking (m-banking) adoption. All constructs of the unified theory of acceptance and use of technology 2 are studied. Non-monetary value is studied through perceived value. Trust and perceived risk are also included to predict intention. Design/methodology/approach A questionnaire was utilized to evaluate customer responses on a five-point Likert scale. A convenience sampling technique was used to collect data from a sample of 490 respondents in Pakistan. The data were analyzed using AMOS and SPSS for Cronbach’s α, CR, CMV, AVE, Harmon’s single factor test, correlation and structural equation modeling. Findings The results of the study show that most of the predictors of intention, including perceived value, performance expectancy, habit, social influence, effort expectancy, hedonic motivation (except for facilitating condition), perceived risk and trust, are significant. All predictors of usage behavior are significant. Research limitations/implications A cross-sectional study was conducted due to time constraints. Practical implications Bank managers must focus on improving customers’ intentions to use m-banking as well as on providing facilitating conditions to increase its actual use. To boost mobile banking, banks’ management must consider the customers’ habits while designing their m-banking products. Originality/value The findings of this paper are not only interesting in terms of boosting m-banking diffusion rate, but also in terms of financial inclusion of the vast majority of mobile users. Further the impact of intention, facilitating condition and habit were checked on actual use behavior since people tend not always to act upon their intentions. Keywords: Pakistan, Intention, Bank customers, M-banking, UTAUT2, Use behaviour
Chapter
This research looks closely on application of cloud computing technologies for enhanced e-Government services in Edo State. The government has a big responsibility to provide maximum service to citizens. The aim of many governments is to provide online services and make it reachable to beneficiaries as such many governments, therefore aim to develop government services by including cloud computing as a platform to provide services. However, technological developments, especially cloud computing, can be an alternative solution for effective information delivery. The hypothetical message of this research emphasizes the need to believe in digital infrastructure and cultural differences in the design and implementation of e-Government using cloud computing technology to achieve optimal equality of access to government services. Several literature works were closely examined on the various e-government services in Edo State, the benefits of cloud computing in e-government services were discussed, challenges and possible solution were discussed.
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This study aims to investigate the factors influencing the acceptance of mobile payments (m-payments) among Generation Z in India. A mixed-methods approach combining quantitative surveys and qualitative interviews will be employed to collect data from a representative sample of Generation Z individuals across different regions of India. The study will draw upon existing theories of technology acceptance and adopt a theoretical framework to analyse the collected data. Three hundred eighty-one members of generation Z from different regions of Gujarat who had used mobile banking were the study data source. The investigation of the hypothesis was tested using the methods of structural equation modelling. Findings imply that M-Banking acceptability among Gen Z in India is supported by performance expectation, effort expectancy, social influence, enabling condition, hedonic incentive, and perceived value. The findings of this study will contribute to academia, industry, and policymakers by shedding light on the key drivers and barriers influencing Generation Z's acceptance of m-payments in India. This knowledge will assist in the development of targeted strategies to enhance m-payment adoption, thereby facilitating financial inclusion and digital transformation in the country.
Article
Mục đích – Mục đích của nghiên cứu này là điều tra các yếu tố quan trọng giúp giải thích sự sẵn sàng của khách hàng đối với việc sử dụng dịch vụ ngân hàng di động (M-banking). Để đạt được mục tiêu này, lý thuyết thống nhất về chấp nhận và sử dụng công nghệ 2 (UTAUT2) đã được áp dụng và để dự đoán chính xác hơn ý định hành vi của khách hàng, người ta đã cố gắng mở rộng lý thuyết này. Thiết kế/phương pháp/cách tiếp cận – Dữ liệu nghiên cứu được thu thập từ 396 khách hàng của các ngân hàng tư nhân Iran đã có kinh nghiệm sử dụng M-banking. Kỹ thuật mô hình hóa phương trình cấu trúc được sử dụng để kiểm định các giả thuyết nghiên cứu. Các phát hiện – Các phát hiện cho thấy kỳ vọng về hiệu suất, kỳ vọng về nỗ lực, ảnh hưởng xã hội, điều kiện thuận lợi, thói quen, động cơ khoái lạc, giá trị nhận thức và khả năng dùng thử được xác nhận là những người ủng hộ ý định áp dụng M-banking. Mặt khác, ý định chấp nhận M-banking cũng có tác động tích cực đáng kể đến hành vi sử dụng thực tế và truyền miệng (WOM). WOM cũng đã ảnh hưởng đến hành vi sử dụng thực tế và làm trung gian cho mối quan hệ giữa ý định chấp nhận M-banking và hành vi sử dụng thực tế. Hạn chế/ý nghĩa của nghiên cứu – Nghiên cứu hiện tại tập trung vào các ngân hàng tư nhân, do đó, mặc dù nó đầy đủ, nhưng nó chỉ giới hạn trong các trường hợp tư nhân. Nghiên cứu này đóng góp vào các tài liệu về dịch vụ M-banking và hành vi sử dụng thực tế. Bằng cách tập trung thích hợp vào ý định chấp nhận M-banking và chất lượng dịch vụ được cung cấp, các ngân hàng có thể củng cố mối quan hệ của họ với khách hàng, từ đó kích thích hành vi thực tế của khách hàng như hành vi sử dụng thực tế và WOM. Tính mới/giá trị – Từ các khía cạnh lý thuyết và quản lý, nghiên cứu này có giá trị đặc biệt đối với các tài liệu về ý định của M-service nói chung và ngân hàng nói riêng. Nghiên cứu hiện tại cung cấp một khung khái niệm cho ý định chấp nhận M-banking, có thể được sử dụng trong các dịch vụ M-banking. Ngoài ra, nghiên cứu này đã tìm cách mở rộng UTAUT2 và kiểm tra vai trò trung gian của WOM trong việc thúc đẩy hành vi sử dụng thực tế.
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In its resolve for digital banking, the researchers have developed various models like TAM, UTAUT 1 and UTAUT 2 which aim to identify the key drivers of digital banking. This study primarily intends to comprehend the significance of different drivers of digital banking by developing a hierarchical model of key drivers of digital banking. The hierarchical model is done using Interpretive Structural Modeling (ISM. The study comprises of the drivers that could be directly impacting the adoption of digital banking. These constructs have been categorized and mapped using driving power-dependence diagram.
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The shifting trend toward m-banking services has caused competition, as multiple banks compete to convince customers to adopt m-banking services, and so must deliver excellent services. As a result, banks must prioritize meeting client expectations and providing high-quality services to compete. This study aims to examine the factors influencing Muslim students’ intentions to use mobile banking (m-banking) in Islamic banks (IB), conventional banks (CB), and conventional Islamic banks in Indonesia (ICB). The study sample consisted of 315 Muslim students who use m-banking in Islamic banks, 369 Muslim students who use conventional banks, and 207 Muslim students who use conventional Islamic banks. The partial least square (PLS) method was used to evaluate the unified theory of acceptance and the use of technology (UTAUT) on Muslim students’ intention in using m-banking. Based on the value of the coefficient of determinant (R2), the UTAUT model in this study is classified as a moderate model. This study reveals that facilitating conditions (FC), habit (HA) and performance expectancy (PE) affect Muslim students’ intentions to use m-banking at Islamic and conventional banks. Meanwhile, the intentions of Muslim students who use m-banking in conventional Islamic banks is influenced by effort expectancy (EE), FC, HA and PE. Surprisingly, social influence (SI) has no effect on Muslim students’ intentions to use mobile banking at Islamic, conventional, and Islamic conventional banks.
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We developed a contextualized model to predict the use of technology among the urban poor. Based on the core idea that, in developing countries, the urban poor face different challenges from those of the rural poor, we argued that five key facilitating conditions (FC)—namely, infrastructure, technical and support services, legal and regulatory framework, financial factors and affordability, and self-efficacy—are the central drivers of both non-instrumental and instrumental use of mobile devices. Situated in the unified theory of acceptance and use of technology (UTAUT), these FC were found to be important drivers in our study conducted among 396 mobile phone users in a poor urban area in Malaysia. In addition to extending a key UTAUT construct to an important context, our results have important practical implications, in that, to increase non-instrumental and instrumental use, careful attention should be given to co-development of mobile phone friendly policies pertaining to FC in developing countries.
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The present research examines the plausibility of the Unified Theory of Acceptance and Use of Technology (UTAUT) model in predicting internet banking behaviour as a newly adopted technology in third world countries. Data is collected from three Arab countries: Jordan, Saudi Arabia and Egypt. Confirmatory factor analysis is used to test the hypothesized structural model. Findings are congruent with model testing under conditions of volitional usage behaviour. In this regard, the role of facilitating conditions variable is insignificant as a determinant of usage behaviour. Social norms variable also proved to be weak determinant of behavioural intentions. Findings demonstrate effort expectancy as the key determinant of internet banking usage behaviour in the examined markets, while users’ experience moderates the impact of effort expectancy on behavioural intention. Results should enhance our understanding of internet banking usage in developing countries and support e-services promoting in this region.
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With the liberalization and globalization, Internet has been used as a medium of transaction in almost all aspects of human living. This study is investigating the factors that influencing the intention to use e-government service among Malaysians. This study integrates constructs from the models of Technology Acceptance Model (TAM), Diffusion of Innovation (DOI) which been moderated by culture factor and trust model with five dimensions. Structured questionnaire was used to collect data from 195 respondents. The result of the analysis showed that trust, perceived usefulness, perceived ease of use, compatibility, perceived relative advantage and perceived image respectively has a direct positive significant relationship towards intention to use e-government service and perceived complexity has a significant negative relationship towards intention to use e-government service. While perceived strength of online privacy protection and perceived strength of data integrity have a positive impact on a citizen's trust to use e-government service. However, the uncertainty avoidance (moderating factor) used in the study has no significant effect on the relationship between the innovation factors (compatibility, complexity, relative advantage and image) and intention to use e-government service. Finally in comparing the explanatory power of the entire intention based model (TAM, DOI and Trust) with the studied model, it has been found that the DOI model has a better explanatory power.
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eHealth services are experiencing a slow diffusion in developing countries. Yet, despite the managerial importance of such a question, little research considers e-health and its adoption. This article therefore investigates this topic and aims at better understanding what are the motivational factors influencing medical professionals intention to use eHealth services. Literature on Technology Acceptance Models was first investigated and adapted to the research context with the help of a qualitative study. Then a quantitative study was performed. Data from 10 developing countries revealed atypical findings. Performance expectancy, social influence through moderators, government policy, medical education, and medical knowledge contribute to the intention to use eHealth services in developing countries. Analytical results indicate the importance of government attitude in the adoption of these innovative services. Geographic differences between urban and rural areas also revealed the need for different marketing strategies for these environments. The results of the research were two-fold. First, unique, new constructs based on The Unified Theory of Acceptance and Use of Technology model to measure behavioural intention by medical professionals in developing countries were developed. Second, a model which details relationships between motivational factors and behavioural intention was proposed and validated based on the specific domain of eHealth services. The findings of the study have valuable implications for both academic and management practice in the field of international marketing management.
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Governments worldwide are faced with the challenge of transformation and the need to reinvent government systems in order to deliver efficient and cost effective services, information and knowledge through information and communication techno-logies. Development of Information and communication technologies catalyzed and led up to E-government. What is E-government? In this paper, E-government is defined as a way for governments to use the most innovative information and communication techno-logies, particularly web-based Internet applications, to provide citizens and businesses with more convenient access to government information and services, to improve the quality of the services and to provide greater opportunities to participate in democratic institutions and processes. E-government presents a tremendous impetus to move forward in the 21st century with higher quality, cost-effective, government services and a better relationship between citizens and government. One of the most important aspects of e-government is how it brings citizens and businesses closer to their governments. This paper outlines eight different potential types or models in an e-government system that is useful to define scope of E-government studies: Government-to-Citizen (G2C); Citizen-to-Government (C2G); Government-to-Business (G2B); Business-to-Government (B2G); Government-to-Government (G2G); Government-to-Nonprofit (G2N); Nonprofit-to-Government (N2G); and Government-to-Employee (G2E). This paper also examines some examples in E-government practices and presents a generally-applicable framework for analysis of challenges and problems in E-government development.
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Much of what was promised has not been delivered by e-government. This necessitates a better understanding of the critical factors necessary for making e-government work. While a number of factors are known to cause e-government failure, this knowledge has not translated into greater success in e-government implementation. This suggests that other, more deep-rooted issues may have remained unaddressed. The nature of modern governance implies that e-government should be looked upon as a network. Application of network concepts like the politics of partner selection, achievement of network goals, institutionalisation processes, network structuring and incentive design can make e-government projects more realistic. We analyse three projects in India based on these issues and argue how a network approach could lead to success of such initiatives. In addition, we show that adoption of a process focus can help in identifying the appropriate partners and facilitate other network processes.
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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.
Article
Electronic tax filing (e-file) in the United States is one of the most rapidly emerging areas of e-government. This study proposes a model of e-file diffusion that integrates acceptance factors and personal factors to assess the impact of adoption, trust and optimism on e-file utilization. To test the model, a survey was administered to 260 participants. The data analysis was conducted using multiple linear regression. The findings indicate that performance expec tancy, social influence, computer anxiety, optimism bias and trust of the government all have a significant impact on intention to use an electronic tax filing system. Implications for practice, suggestions for future research, and limitations of the study are discussed.
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This article considers single sample approximations for the cross-validation coefficient in the analysis of covariance structures. An adjustment for predictive validity which may be employed in conjunction with any correctly specified discrepancy function is suggested. In the case of maximum likelihood estimation under normality assumptions the coefficient obtained is a simple linear function of the Akaike Information Criterion. Results of a random sampling experiment are reported.
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This paper examines methods for comparing the suitability of alternative models for covariance matrices. A cross-validation procedure is suggested and its properties are examined. To motivate the discussion, a series of examples is presented using longitudinal data.
Article
Purpose The purpose of this paper is to investigate the influence of six determinants on taxpayers' intention to adopt e‐file systems. The proposed model integrates technology adoption factors from the unified theory of acceptance and use of technology (UTAUT) model with personal perceptions on trust, efficacy, and security into one parsimonious yet explanatory model of e‐file adoption. Design/methodology/approach A survey was administered to 304 US taxpayers to capture their perceptions of e‐filing. The survey was developed using existing scales in the literature. Responses were measured on a seven‐point Likert scale, ranging from 1 (strongly disagree) to 7 (strongly agree). The results were tested using multiple linear regression analysis. Findings The findings of this research show that theoretical constructs from the UTAUT model are well suited in explaining intentions to use multiple e‐government services. Specifically, the results indicate that three factors from the UTAUT model (performance expectancy, effort expectancy, and social influence) play a significant role in predicting taxpayers' e‐filing intentions. More importantly, the research findings indicate that personal factors (web‐specific self‐efficacy (WSSE) and perceived security control), along with UTAUT factors, have a significant impact on taxpayers' e‐file intentions. The proposed model explains 63.5 percent of the variance in taxpayers' e‐file intentions. Research limitations/implications This study contributes to the literature by integrating determinants from the UTAUT model with personal perception factors to explain e‐file adoption. This merging of UTAUT with theories, such as social cognition, that emphasize human perception, is the direction that must be taken by researchers in an effort to understand taxpayers' intentions to adopt e‐file systems. While the proposed model explained 63.5 percent of the variation in e‐file use intention, there are limitations to this research. The participants in this research are not sufficiently diverse in culture, socio‐economic level, etc. and 89 percent of the research participants are Caucasian. In addition, the participants were recruited from limited geographical locations. The strength of the model should be validated using more diverse research participants that will increase the variation in the data collected. Originality/value The paper presents a parsimonious, yet integrated, model of e‐file diffusion. The integration of adoption factors with personal perceptions of trust, efficacy, and security represents a significant step forward in explaining e‐file adoption.
Article
The statistical tests used in the analysis of structural equation models with unobservable variables and measurement error are examined. A drawback of the commonly applied chi square test, in addition to the known problems related to sample size and power, is that it may indicate an increasing correspondence between the hypothesized model and the observed data as both the measurement properties and the relationship between constructs decline. Further, and contrary to common assertion, the risk of making a Type II error can be substantial even when the sample size is large. Moreover, the present testing methods are unable to assess a model's explanatory power. To overcome these problems, the authors develop and apply a testing system based on measures of shared variance within the structural model, measurement model, and overall model.
Article
Researchers find customer satisfaction with service-oriented Web sites (e-services) can be modeled effectively based on the match between customers' initial expectations and subsequent perceptions of performance. However, little is known about the factors leading to expectations or the ability of such factors to provide early predictions of satisfaction. We use social cognitive theory as a basis to propose that self-efficacy, past experiences (participation, knowledge, and Internet experience), and affective factors (prior satisfaction and enjoyment) will influence expectations of an e-health service. We test these factors in conjunction with the direct-effects model of satisfaction among patients registered for an e-health service. We find that these antecedents explain 57% of the variance (R2) in expectations. Further, early predictions made from antecedents during initial use of the e-health service explain 39% of the variance in satisfaction. Our findings suggest that the antecedents are important contributors to patients' expectations and can provide early guidance to development of successful e-health services.
Article
This research has as its objective the discovery of the critical factors that enable citizens to adopt e-Government (e-Gov) at different stages of service maturity. To accomplish the objective, this research has explained the related concepts and theories and developed a research framework grounded on a strong theoretical and literature review background. The empirical study was conducted in Canada, which is a leader in providing mature e-Gov services. From our results, we have observed two ontological differences from the present literature in the adoption behavior of e-Gov where organizational and financial perspectives have distinct implications over parsimonious technology adoption behavior. First, technology adoption model (TAM), diffusion of innovation theory (DOI), and theory of planned behavior (TPB) cannot capture and specify the complete essence of e-Gov adoption behavior of citizens. Second, e-Gov adoption behavior also differs based on service maturity levels, i.e., when functional characteristics of organizational, technological, economical, and social perspectives of e-Gov differ. Our findings indicate the critical factors that enable citizens to adopt e-Gov at different stages of service maturity. Public administrators and policy-makers have potential implications from the findings of the adoption behavior of e-Gov at different maturity levels.
Article
The ability to vote online has the potential to increase voter turnout for elections due to increased convenience over traditional voting polls. This study examines factors that can affect a citizen's intent to vote online. Survey subjects came from two different age groups: young adults, 18–25 years of age; and senior citizens, ages 60 plus. Using the Unified Theory of Acceptance and Use of Technology (UTAUT), the study found that performance expectancy, effort expectancy, social influence, trust in the internet, and computer anxiety were significantly related to intent to use online voting. Trust in the government was insignificant. Performance expectancy, social influence, and computer anxiety were related to intent to vote online for both young adults and seniors. Effort expectancy was related to intent to vote for the seniors but not young adults, and trust in the internet was related to intent to vote for young adults but not seniors.
Article
Research into e-government is relatively new. Nevertheless, much contemporary thinking and writing about e-government is driven by normative models that appeared less than a decade ago. The authors present empirical evidence from three surveys of local e-government in the United States to test whether these models are accurate or useful for understanding the actual development of e-government. They find that local e-government is mainly informational, with a few transactions but virtually no indication of the high-level functions predicted in the models. Thus, the models do not accurately describe or predict the development of e-government, at least among American local governments. These models, though intellectually interesting, are purely speculative, having been developed without linkage to the literature about information technology and government. The authors offer grounded observations about e-government that will useful to scholars and practitioners alike.
Article
This article defines Active Citizenship within a European context as a broad range of value based participation. It develops a framework for measuring this phenomenon which combines the four dimensions of Protest and Social Change, Community Life, Representative Democracy and Democratic values. The European Social Survey 2002 is used to populate the framework as this survey provided the best data coverage available and covered 19 European Countries. In total 61 indicators were selected. A composite indicator (CI), The Active Citizenship Composite Indicator (ACCI), is built using the framework provided and using experts’ weights. In addition, the robustness of the results is tested using sensitivity analysis. The limitations to the ACCI are explained in terms of the limitation of the data availability in particular concerning the new forms of participation and less organised forms of participation. Nevertheless, ACCI proved to be statistically robust and reliable and proved to be a useful tool for monitoring levels of citizenship in Europe. The results of ACCI exhibit interesting and quite distinct regional patterns. The results showed that the Nordic countries, and in particular Sweden, have the highest rate of Active Citizenship, followed by Central Europe and Anglo-Saxon countries. Mediterranean countries are next followed by Eastern European countries that close the ranking.
Article
Citizen confidence in government and technology is imperative to the wide-spread adoption of e-government. This study analyzes the impact of trust and risk perceptions on one’s willingness to use e-government services. We propose a model of e-government trust composed of disposition to trust, trust of the Internet (TOI), trust of the government (TOG) and perceived risk. Results from a citizen survey indicate that disposition to trust positively affects TOI and TOG, which in turn affect intentions to use an e-government service. TOG also affects negatively perceived risk, which affects use intentions as well. Implications for practice and research are discussed.
Article
This study is an exploratory study on the e-government in Malaysia. With the liberalization and globalization, Internet has been used as a medium of transaction in almost all aspects of human living. This study investigates the factors that influencing the intention to use e-government service among Malaysians. This study integrates constructs from the models of Technology Acceptance Model (TAM), Diffusion of Innovation (DOI) which been moderated by culture factor and Trust model with five dimensions. The study was conducted by surveying a broad diversity of citizens in Malaysia community. A structured questionnaire was used to collect data from 195 respondents but only 150 of the respondents with complete answers participating in the study. The result of the analysis showed that trust, perceived usefulness, perceived relative advantage and perceived image, respectively, has a direct positive significant relationship towards intention to use e-government service and perceived complexity has a significant negative relationship towards intention to use e-government service. While perceived strength of online privacy and perceived strength of non-repudiation have a positive impact on a citizen's trust to use e-government service. However, the uncertainty avoidance (moderating factor) used in the study has no significant effect on the relationship between the innovation factors (complexity, relative advantage and image) and intention to use e-government service. Finally in comparing the explanatory power of the entire intention based model (TAM, DOI and Trust) with the studied model, it has been found that the DOI model has a better explanatory power.
Article
This paper identifies the factors that determine the publics' acceptance of e-Government services. The online tax filing and payment system (OTFPS) is a well-known e-Government service in Taiwan. Using a theoretical model based on the theory of planned behavior, this study aims to (1) identify the determinants for acceptance of the OTFPS; (2) examine the causal relationships among the variables of acceptance behavior for the OTFPS; and (3) explore the relative importance of each determinant for both those who use the OTFPS and those who do not. The article reports on a survey that collected 1,099 usable responses. The results indicate that the proposed model explained up to 72 percent of the variance in behavioral intention. In addition, the important determinants of user acceptance of the OTFPS are perceived usefulness, ease of use, perceived risk, trust, compatibility, external influences, interpersonal influence, self-efficacy, and facilitating condition. Finally, the academic and practical implications of these findings are discussed.