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Technology Readiness in Customers' Perception and Acceptance of M(obile)-Payment: An Empirical Study in Finland, Germany, USA and Japan

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... A field survey was applied, and the results were statistically analyzed to validate the proposed acceptance model. (Guhr, N. 2013) have demonstrated the importance of this factor in the acceptance of technology in a wide variety of contexts (Kuo et al., 2013). In the same way, we find in our work that the individual's trace of innovativeness is a relevant factor in the adoption of IVET since the drivers are accustomed to the use of electronic technology in their daily life and, consequently, their mental model is compatible to use of the electronic systems embedded in their vehicles. ...
... The construct called "Personal Innovation Table 6). 11 Guhr et al. (2013) Mobile Payment Service Finland, Germany, USA and Japan TR+ influences PU and PEU. TR+ influences Intention to Use in Germany and Japan but not in Finland and USA. ...
... Most of the studies (in Table 6) applied extended frameworks combining factors related to users' beliefs with factors related to personality traits (Yi et al., 2003;Guhr et al., 2013). In a study on the acceptance of travel technologies, it has been demonstrated that TR is a decisive factor of technology acceptance, even when applied in three different countries Australia, China, and USA (Wang et al., 2017). ...
Thesis
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This study verifies and validates the factors of acceptance and use of electronic technology embedded in vehicles.
... Besides social influence, innovativeness significantly impacts the intention to use MP (Oliveira, Thomas, Baptista, & Campos, 2016;Thakur & Srivastava, 2014). Guhr, Loi, Wiegard and Breitner (2013) detected that innovativeness, as part of technology readiness, influences the intention to use MP. Furthermore, they recognized differences in the relationship between technology readiness and the intention to use MP among various countries. ...
... The relationship between PU, PEU and BI has been verified in a wide range of M-payment research (e.g. Guhr et al., 2013;. Consequently, we suggest a positive correlation between PEU and PU as well as between both constructs and the BI. ...
... As we could find in previous research, perceived usefulness and perceived ease of use had a positive effect on the behavioral intention to use information systems in different countries (e.g. Guhr et al., 2013;Lee et al., 2013;Straub et al., 1997). Further, Guhr et al. (2013) observed a stronger influence of these two variables on the intention to use MP in Germany compared to the USA. ...
Thesis
Der digitale Wandel führt in nahezu allen Lebensbereichen zu einer Veränderung des täglichen Miteinanders und trägt maßgeblich zu einer wachsenden Anzahl an technologischen Innovationen bei. Nicht jede dieser Innovationen hat sich am Markt etablieren können, weshalb der Diffusion und Adoption von Innovationen ein großer Stellenwert beigemessen wird. Eine übergeordnete Bedeutung kommt hierbei dem Prozess der Innovationsentscheidung zu. Diese kumulative Dissertation thematisiert wichtige Elemente des Prozesses der Innovationsentscheidung, indem die Charakteristika einer kritischen Personengruppe für den Diffusionsprozess von Innovationen untersucht werden. Mit spezifischem Fokus auf dem Internet als Informations- und Kommunikationskanal, ist es zudem das Ziel zu untersuchen, ob verschiedene Arten negativer elektronischer Mundpropaganda (eWOM) unterschiedlich starke negative Auswirkungen auf die Einstellung der Verbraucher zu einem Produkt haben. Zur Ergründung hemmender Diffusion innovativer Technologien (Mobile Payment (MP) und Social Trading (ST)) sind weiterführend Aussagen über Innovationscharakteristika sowie das individuelle Entscheidungsverhalten zu treffen. Die Ergebnisse der empirischen Forschungen verdeutlicht die übergeordnete Bedeutung der Gruppe der Early Adopter für den Diffusionsprozess. Des Weiteren kann festgestellt werden, dass funktionales eWOM einen besonders großen Rückgang der Konsumenteneinstellung provoziert, während ethische Kritik am schwierigsten zu korrigieren ist. Bezüglich der hemmenden Diffusion von MP werden Unterschiede in den Auswirkungen der Verhaltensabsicht beeinflussenden Faktoren zwischen Generationen sowie Kulturen festgestellt. Im Kontext des ST zeigen sich solche Unterschiede zwischen im Umgang mit Wertpapieren erfahrenen und unerfahrenen potenziellen Nutzern. Die Resultate dieser Dissertationsbeiträge tragen maßgeblich zum Forschungsdiskurs über die Diffusion und Akzeptanz innovativer Technologien bei und unterstreichen die Bedeutung einer zielgruppenspezifischen Kommunikation von innovativen Finanzdienstleistungsinnovationen.
... Comprehending the beliefs, feelings, and views of users is critical when introducing a new technology. Hence, TRI can be significant in explaining the general view about technology (Guhr et al., 2013). The TRI model has been applied to investigate user readiness towards technology-based services such as VLE (Ahmed et al., 2012), e-banking (Pires et al., 2011), e-commerce (Astuti & Nasution, 2014), e-learning (Bessadok, 2000), telecommunication services (Dahlan et al., 2002), and e-government (Caison et al., 2008;Napitupulu, 2017). ...
... TRI is widely used and accepted as a means to understand the readiness characteristics through four core variables: optimism, innovation, insecurity, and discomfort. However, its specific nature causes it to overlook other important issues related to the intention towards technology (attitude) as a building block of technology user behaviour (Guhr et al., 2013;Lin & Chen, 2012;Roy et al., 2018). Therefore, Lin, Shih, and Sher (2007) integrated TRI with TAM to form the Technology Readiness and Acceptance Model (TRAM). ...
Article
Purpose: This study explored students’ perspective of using emotion-aware Vertual Learning Environment (VLE) in Malaysia’s higher education institutions. The purpose is to investigate the relationships among dimensions of Technology Readiness Index (TRI), attitude, intention to use VLE, and lecturer interaction. The outcomes concerned the emotions involved in the educational process of Malaysia’s higher education institutions. Methodology: Quantitative data were collected via an online survey from 260 students. An empirical analysis was then conducted using structural equation modelling (Smart PLS) in two phases: (1) examining the direct effect of students’ attitude on VLE adoption intention and (2) examining the indirect effect of constructs using lecturer interaction as a mediator. Findings: The findings revealed a significant mediating role of lecturer interaction on the relationship between attitude and intention to use VLE across the student cohort. Inhibitors, such as insecurity and discomfort, were less significant in affecting students’ attitude towards emotion-aware VLE. The results indicate that students are motivated to use VLE when lecturers understand their emotions and react accordingly. Significance: This is one of the studies pertaining to emotions in VLE and lecturer interaction in higher education institutions. The results facilitate an understanding of the pedagogical role of lecturer interaction as a practical learning motivation. It is of particular interest to curriculum and e-learning stakeholders looking to improve students’ interactions with the VLE systems. Apart from extending the current literature, this study has significant practical implications for education management in higher learning institutions.
... In contrast to TRA, TAM has been widely applied in studies on mobile services usage; e.g. (Basgöze, 2015;Glass and Li, 2010;Godoe and Johansen, 2012;Gombachika and Khangamwa, 2013;Guhr et al., 2013;Jin, 2014;Li et al., 2005;Lu et al., 2009). ...
... Basgöze, for example investigated mobile shopping using TAM and a technology readiness extension (Basgöze, 2015). Similar approaches were taken to explore the acceptance of mobile payment (Guhr et al., 2013;Shin and Lee, 2014). On a more general level, the influence of gender for the acceptance of information and communication technologies was eval-uated by Gombachika and colleagues (Gombachika and Khangamwa, 2013). ...
... Verificou-se que quatro estudos buscaram analisar a aceitação da tecnologia mobile payment, examinando como a disponibilidade tecnológica influencia a percepção e aceitação da tecnologia pelos usuários (GUHR et al., 2013), investigando os fatores comportamentais que contribuem para a aceitação de aplicações NFC de telefonia móvel (CHEN;CHANG, 2013), desenvolvendo e testando um modelo integrador dos fatores determinantes da aceitação dos serviços móveis de pagamento dos consumidores (SCHIERZ et al., 2010) e explorando os fatores que influenciam no comportamento do consumidor sobre a aceitação de pagamentos móveis (IONESCU et al., 2013). ...
... Principais teorias e/ou modelos Abordagem metodológica Chen;Chang (2014) UTAUT Quantitativa Guhr et al. (2013) TAM O Quadro 7 consolida os artigos, teorias/modelos e abordagens metodológicas utilizadas nos artigos investigados. Observa-se que dos quatro artigos, três foram suportados pelo TAM e um pelo UTAUT. ...
Article
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The research goal is to review the literature on mobile payment with a focus on Management. The sample consisted of 25 articles, 11 from the Web of Science and 14 from proceedings of the Association for Information Systems (AIS) conferences. The results indicate that this is a new research issue and that there is still no institutions or research networks as central references on this topic. Regarding the methodological approaches, there is the prevalence of quantitative studies (60% of researches), followed by qualitative studies (32%) and mixed methods (8%). Therefore, this article proposes research questions and theoretical approaches that can be used in future studies on mobile payments with a focus on Management issues.
... Quatro estudos buscaram analisar a aceitação da tecnologia mobile payment, examinando como a disponibilidade tecnológica influencia a percepção e aceitação da tecnologia pelos usuários (Guhr et al., 2013), investigando os fatores comportamentais que contribuem para a aceitação de aplicações NFC de telefonia móvel (Chen & Chang, 2013), desenvolvendo e testando um modelo integrador dos fatores determinantes da aceitação dos serviços móveis de pagamento dos consumidores (Schierz et al., 2010) e explorando os fatores que influenciam no comportamento do consumidor sobre a aceitação de pagamentos móveis (Ionescu et al., 2013). O Quadro 7 consolida os artigos, teorias/modelos e abordagens metodológicas utilizadas nestes artigos investigados. ...
... Examinar o impacto de outras pressões que podem influenciar a adoção de sistemas de m-payment, como pressões institucionais, pressões reguladoras e as disposições legais. ACEITAÇÃO DA TECNOLOGIA (Guhr et al., 2013) Abordar as diferenças socioculturais na aceitação de novas tecnologias, visto que este campo não tem recebido considerável atenção. (Alshare & Mousa, 2014) Investigar o efeito moderador do sexo, idade, experiência, entre outros sobre as relações das hipóteses propostas. ...
Conference Paper
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This article sought to carry out a systematic revision of the literature on mobile payment from management related articles. The sample comprised 25 articles, 11 of which were obtained from the ISI Web of Science database and 14 from the annals of the Association for Information Systems (AIS) events. The results show that this is an emerging research theme, with 60% of the articles having been published between 2013 and 2014. Regarding the most widely employed theoretical approaches, the ones that stand out are the Technology Acceptance Model (TAM), the Unified Theory of Acceptance and Use of Technology (UTAUT), the Theory of Diffusion of Innovations, and the Trust Transfer Theory. Where methodological approaches are concerned, it can be observed that quantitative studies prevail in 60% of researches, followed by qualitative in 32%, and a mixed approach in 8%. Lastly, the main suggestions are presented for future research to be presented in articles.
... Robotics, artificial intelligence, wearable technology, applications of virtual and augmented reality, etc. stretch the boundaries of tourism business further into the digital sphere, offering new possibilities for designing tourism experiences [5,7]. However, many of these technological innovations are designed for the needs of younger generations [8], despite older adult travellers being recognized as a key target group [6]. The e-tourism industry as a whole need to address this gap between older adult users and the use of new technologies in tourism. ...
Chapter
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Older adults have been recognized as a key tourist segment for cultural tourism. Despite the growing population of older adults, limited research have explored their experiences and needs within digital cultural experiences. Therefore, this research note takes on an exploratory approach in understanding older adults’ perceptions towards digital cultural experiences in the context of two ‘super-aged’ nations: Finland and Japan. The findings illustrate that differences do exist, and that Finnish older adults are found to be more open to technology-use in the context of digital cultural experiences than their Japanese counterparts. Implications for e-tourism research and management are discussed.
... Thus, H1c is not accepted. This result is not consistent with Guhr, Loi, Wiegard, and Breitner (2013) and Abdullah, Jayaraman, and Kamal (2016) who found that customers facing technological discomfort are more likely to reject a grocery store's self-scanning system. ...
... Thus, H3 is not accepted. This result is not consistent with Guhr, Loi, Wiegard, and Breitner (2013) and Abdullah, Jayaraman, and Kamal, (2016) who found that customers facing technological discomfort are more likely to reject and a grocery store's self-scanning system. ...
Conference Paper
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Self-service technology (SST) is constantly evolving to make many tasks easier, faster or more convenient. The main objective of this study was to explore the acceptance and intention to use SST in five-star hotels in Egypt by looking at its perceived usefulness as well as its perceived ease of use. Accordingly, four aspects of SST; technology acceptance, technology readiness, technology characteristics and intention to use are investigated in this research, and nine hypotheses were formulated as a result. Stratified random sampling was proposed to survey the Egyptian five-star hotel sector. The sampling technique was based on two stages. The first stage employed stratified random sampling technique to select hotels from five regions. The second stage employed a simple random sampling technique where a relatively small sample of respondents/tourists was randomly selected. The researcher utilized a sample of 46 five star hotels representing 30 percent of the 153- hotels population. A total of 940 respondents from 46 hotels answered a survey questionnaire. A field study using self-administered questionnaire was utilized in order to investigate guests' acceptance and intention to use SST. It was divided into two sections: the first section collected demographic information such as age, gender, experience, professional status, marital status, and so on; the second section included items to measure the study variables; technology readiness, technology characteristics, Technology acceptance and intention to use SST. Survey questions were based on a Likert 5-point scale where “1”was strongly disagree and “5”was strongly agree. Data was collected from customers who had been administered the questionnaire. Of the 1380 questionnaires distributed, 1050 were collected. Only 940 questionnaires were valid, counting for 68% of the total sample which represented a satisfactory response rate. Statistical Package for Social Sciences (SPSS) was used in this study to conduct tests that describe variable of the study as well as test its hypotheses. The results indicated that technology readiness and technology characteristics correlate significantly with customers' acceptance to use SST in hotels. The study also pointed to a strong significant correlation between customers' acceptance to use SST and their intention to use it. Although the study stated that innovativeness and optimism correlated significantly and positively with the perceived ease of use SST. However, discomfort and insecurity were seen to have no significant correlation. There was a significant positive impact of perceived ease of use on customers' perceived usefulness of SST. In addition, the study supported that perceived ease of use had a significant positive impact on a customers' intention to use. Moreover, perceived usefulness had a significant positive impact on a customers' intention to use, This study presents a comprehensive insight into SST practices in Egyptian five-star hotels, which would enable hotel managers and decision-makers to understand the great benefits SST would provide to the hotel industry in particular, and all entities including the government in general. Also, this study can be helpful for Egyptian and foreign investors who seek to expand their businesses and investments into the five-star hotel industry by allowing them to understand the benefits of using SST.
... In this study, it was found that optimism has a positive effect on the Technology Readiness Index. Previous research related to the adoption of m-payment in Finland, America, Germany and Japan shows that the two variables affect the perceived ease of use and the perceived usefulness of using m-payment [15]. This finding is reinforced by the following findings that specifically point to the optimism variable as affecting perceived convenience and perceived usefulness [16]. ...
... ). TRAM telah digunakan juga oleh peneliti seperti :(Kuang-Ming Kuo, 2013), dimana penelitian mereka tentang sistem rekam medis elektronik bergerak yang dioperasikan oleh perawat;(Murat Esen, 2014), penelitian mereka tentang E-HRM;(Anders Husa, 2009), penelitian mereka tentang Konteks Media Sosial;(Mimin Nur Aisyah, Mahendra Adhi Nugroho, 2013), penelitian mereka pada komputer aplikasi di UMKM;(Yen, 2014),(Nadine Guhr, Tai Loi, Rouven Wiegard, 2013), penelitian mereka pada M(obile)-Payment;(Panday & Purba, 2015) telah menggunakan kesiapan teknologi dalam menggunakan Sistem Informasi Akademik oleh mahasiswa dan dosen di universitas X.(Panday, 2015c) juga menggunakan TRAM untuk menguji model Sistem Informasi Akademik.(Panday, 2015a) juga menggunakan TRAM untuk menguji model pada siswa Geodesi dalam pemrosesan data sistem Informasi Geografis, dan terakhir,(Panday, 2015b) telah menggunakan TRAM pada pemrosesan data manajemen proyek di PT.Pembangunan Perumahan. ...
Article
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Teknologi informasi dan pemrosesan data menggunakan komputer adalah yang paling banyak digunakan dalam suatu proyek. Untuk itu dibutuhkan karyawan yang sudah siap dan dapat menerima teknologi. Ketidak kesiapan dan tidak menerima teknologi, akan berdampak pada kinerja proyek. Penelitian ini bertujuan untuk menganalisis tingkat kesiapan teknologi dan tingkat penerimaan teknologi karyawan pada proyek dengan menerapkan model TRAM. Data penelitian diambil menggunakan kuesioner, dengan responden adalah karyawan proyek yang menggunakan teknologi informasi dan pemrosesan data komputer di PT. DENKI, sebanyak 100 responden. Pengolahan data menggunakan analisis jalur. Hasil penelitian menunjukkan bahwa Optimisme berpengaruh positif dan siknifikan terhadap persepsi kemudahan penggunaan dan persepsi kegunaan. Keinovasian berpengaruh positif dan siknifikan terhadap persepsi kemudahan penggunaan. Ketidakamanan berpengaruh negatif dan siknifikan terhadap persepsi kemudahan penggunaan. Persepsi kemudahan penggunaan berpengaruh positif dan siknifikan terhadap persepsi kegunaan. Berdasarkan hasil tersebut, perusahaan harus merencanakan strategi pengembangan karyawan, dalam rangka meningkatkan kesiapan teknologi dan penerimaan teknologi karyawan, sehingga operasi manajemen proyek akan lebih baik.
... Parasuraman [41] stated that "technology-readiness refers to people's propensity to embrace and use new technologies for accomplishing goals in home, life, and at work". The presence of OFDO services does not mean that customers are ready to adopt these technologies [42], highlighting the need to ascertain consumers' readiness. People behave differently when accepting new technology as not everyone is prepared to adopt the technology due to different perceptions, motivations, feelings, and beliefs [43]. ...
Article
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Evolving internet technology has brought about changes in consumer lifestyle and increased online shopping. Grounded in the theory of technology readiness (TR), this study aims to examine the effect of factors such as optimism, innovativeness, insecurity, and discomfort that may motivate consumers’ adoption intentions towards online food delivery ordering (OFDO) services. Additionally, this study intends to investigate the moderating role of situational influences (COVID-19) in affecting such an online behavior. By using survey methods, a total of 439 usable responses were gathered through an online survey. Data were analyzed by using Partial least square (PLS) and multigroup analysis (MGA) techniques. The results revealed that optimism and innovativeness have positive influences on adoption intentions while insecurity and discomfort have negative influences on adoption intentions in the use of OFDO services. The results also supported the moderating role of situational influences such as the COVID-19 pandemic. Furthermore, the PLS-MGA results indicate that the effects of optimism and innovativeness are stronger in demographic variables, i.e., young, male, high income, high education, etc. On the contrary, the effects of insecurity and discomfort are stronger for the opposite, i.e., elder, female, low income, low education, etc. Finally, this paper depicts remarkable insights for researchers, practitioners, service providers, and marketers.
... 6. Issham Ismail, Siti F Bokhare, Siti N Azizan, Nizuwan Azman[26], do their research about teaching via mobile phone, as a case study on Malaysian teachers' Technology Acceptance and Readiness 7. Jui-yen Yen.[27], do the research of perspectives from the TRAM model on adopting e-Learning, as an analysis of the chain and franchise industry in Taiwan. 8. Nadine Guhr, Tai Loi, Rouven Wiegard, and Michael H. Breitner[28], do their research of technology readiness in customers' perception and acceptance of mobile payment as an empirical study in Finland, Germany, the USA and Japan. ...
... This section aims to support the idea that increasing the ease of using SSTs will lead to a greater positive customer experience and build loyalty. Guhr, Loi, Wiegard and Breitner (2013) stated that technology readiness can be regarded as an overall state of mind resulting from a gestalt of mental enablers and inhibitors that cooperatively limit a person's tendency in the direction of using new technologies. Parasuraman (2000) found that there are some physical characteristics that fulfill with the customers' acceptance of using SST or service outcomes through technology. ...
... The authors reported that attitude, subjective norm and perceived behavioral control have a significant positive effect on individuals' intention to adopt the Internet/mobile banking service. Guhr, Loi, Wiegard, and Breitner (2013) suggested that there is a high potential for mobile-payment services, but the mere existence of such services does not mean that the market is ready for them. M-payment services must add value to attract new users. ...
Article
Mobile phones have undeniably brought a paradigm shift, affecting both the lives of people and the business environment. Today, mobile phone has permeated the lives of billions of people around the world, becoming for many an indispensable device. Moreover, adoption of mobile banking has significant impact on reducing costs and enabling change in retail banking. Factors influencing the intention to use or adopt mobile banking are very important and will play a vital role for mobile banking service providers. The proposed study focuses on a comprehensive set of potential factors that influence the adoption of mobile banking. The research model identifies appropriate factors and captures dependency relationships among these factors in the form of a number of hypotheses to be tested in this research. This paper aims to design a scale with a high degree of reliability, validity, and dimensionality which helps to determine the appropriate technology adoption model based on the identified constructs, viz. Optimism (OPTI), Innovativeness (INNO), Insecurity (INSC), Discomfort (DISC), Perceived Usefulness (PU), Perceived Ease of Use (PEU), Perceived Risk (PR), Subjective Norms (SN), Attitude (ATTI), Behavioural Control (BC) and Behavioural Intention (BI). The data were collected through questionnaire survey from 201 respondents comprising software engineers, bank employees, professors, entrepreneurs. Confirmatory factor analysis was used to test the validity of the proposed measurement scale for all the identified constructs. This instrument helps bankers to determine and design there applications which will contribute to the knowledge of predicting customer intention.
... The authors reported that ATTI, SN and perceived BC have a significant positive effect on individuals' intention to adopt the internet/M-banking service. Guhr et al. (2013) suggested that there is a high potential for mobile-payment services, but the mere existence of such services does not mean that the market is ready for them. M-payment services must add value to attract new users. ...
Article
The mobile phone has undeniably brought a paradigm shift, affecting both lives of the people and the business environment. It has permeated the lives of billions of people around the world; becoming for many an indispensable device. Moreover, adoption of mobile banking has significant impact on reducing cost and enabling change in retail banking. Factors influencing the intention to use or adopt mobile banking are a very important part, thus playing a vital role for mobile banking service providers. This study proposes and validates an online mobile banking model by integrating the technology readiness acceptance and theory of planned behaviour model, using a comprehensive set of measurement dimensions identified from the literature.
... Eventhough studied from different perspective and in different settings, these seven personal traits have been found to play significant role in the technology adoption phenomenon of the customers in the relevant literature. The results of TAI comply with the findings of the studies, such as, Baraghani (2008), Chang and Kannan (2006), Guhr, Loi, Wiegard, and Breitner (2013), Parasuraman (2000), Shambare (2013), Saade and Kira (2009), etc. wherein OP and IN have been revealed to cause significant contribution in shaping the personal disposition of the customers towards technology adoption. Further, studies, such as Hagger, Chatzisarantis, and Biddle (2001), Md. ...
Article
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The present study has attempted to explore personal disposition of individuals towards technology adoption through the development of an index named as Technology Adoption Index. For developing the index, exploratory factor analysis approach has been employed on the sample of 1201 responses collected from the residents of 12 different cities in India. Accordingly, the results of the index have indicated significant role of seven personal traits, namely, optimism, innovativeness, self-efficacy, risk taking propensity, habit, social influence and psychological resilience while manifesting personal disposition of individuals towards technology adoption, i.e., the technology adoption propensity of the individuals. Further, an attempt has also been made to explore the socio-economic characteristics of the individuals possessing distinct level of personal disposition towards technology adoption. Accordingly, the results have unveiled that the personal disposition of the individuals towards technology adoption increases with enhancement in their income and qualification but decreases with enhancement in their age. As a measurement tool, Technology Adoption Index can be used as ready-recknor by practitioners for the identification of technology adoption propensity of the individuals. This will facilitate organizations in developing and designing new products and services which can be readily accepted by the individuals.
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Technology enables actor-to-actor experience co-creation leading to value creation for the parties involved in the process. This research presents the initial impact of a mobile application developed to foster technology enabled relationship in rural Lebanon. Results indicate that technology has the potential to positively impact both host and guest fostering relationships building in all the trip stages and leading to socio-economic development and transformative experiences. In fact, the paper shows that relationships created and strengthened with the support of technology are expected to have effects at personal, community and business level.
This study aims to establish various market segments based on consumers' attitudinal elements influencing the adoption of mobile payments (m-payments). It also examines the best discriminators between identified clusters of m-payment users. Three hundred and sixty m-payment users participated in the study. Cluster and discriminant analyses were employed for the analysis. The findings suggest that two segments are established, and strategies can be developed accordingly. The study provides marketers with numerous touchpoints to propagate the adoption of m-payment apps. It also comprehensively explains m-payment users in developing economies by superimposing the cohorts to Roger's diffusion of innovation model.
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During the COVID-19 epidemic, personal safety has received increasing attention, leading to behavioral changes. Mobile-wallet (m-wallet) makes it easier for people to keep social distance, which helps stop the spread of the COVID-19 virus. Evolving Internet technology has brought about changes in consumer lifestyle. The current situation of COVID-19 has created a business environment to shift from traditional ways and adopt e-commerce solutions worldwide. Grounded in technology acceptance model (TAM) theory, this study’s objective is two-fold: First, this study intends to examine perceived susceptibility to COVID-19, perceived severity of COVID-19, insecurity and discomfort as the predictors of perceived usefulness (PU) and perceived ease of use (PEOU). Second, the current research intends to test the moderating effect of electronic words-of-mouth (eWOM) on the relationship between attitude and usage intention. Using survey methods, 226 usable responses were collected through a mall intercept survey in Pakistan. Data were analyzed using partial least square (PLS). The results revealed that PEOU and PU positively influence attitude toward M-wallet. This study has found that attitude positively influences the usage intention in adopting M-wallet. The results also support the moderating role of eWOM. These findings contribute to the marketing literature in several ways, particularly in Pakistan. This is the first study to use eWOM as a moderating variable in the TAM theory. In addition, this study adds to the current body of knowledge by considering eWOM as a multi-dimensional construct novel in m-wallet literature.
Chapter
Electronic payment is widely regarded as a fund transfer between parties electronically for commercial purposes, and it is increasingly being recognized as a key competitive tool in the present situation. While businesses are focusing more on rational factors behind consumer acceptance and adoption of e-payment, academic research is lagging in investigating the emotional factors. This chapter is providing a clear background about how businesses can emotionally influence and motivate consumers to utilize e-payment methods for their day to day transactions. A sample of 460 professionals in Sri Lanka was empirically investigated with the aim of identifying the emotional factors influencing professionals to adopt and use e-payment methods. A structured questionnaire was used to collect data and the exploratory factor analysis identified that the professionals' e-payment adoption was influenced by six different emotional factors. Based on the literature these factors are innovativeness, professional satisfaction, optimism, insecurity, skepticism, and discomfort.
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O compartilhamento de dados bancários de clientes entre as instituições financeiras é chamado de Open Banking. Ele permite a consolidação das informações de diferentes contas bancárias em um único local e a realização de transferências e pagamentos sem a necessidade de acesso a um banco específico. Sua adoção visa o aumento da competição e eficiência no mercado financeiro, e atualmente está em regulamentação pelo Banco Central do Brasil. Este artigo utiliza o Technology Readiness and Acceptance Model (TRAM) para avaliar a intenção de uso do Open Banking entre jovens universitários. Os resultados obtidos indicam que a utilidade percebida é afetada pelo otimismo, desconforto e insegurança, enquanto a facilidade de uso percebida é afetada somente pela inovatividade. Dado que os modelos de aceitação de tecnologia são sensíveis ao contexto cultural de cada país, este estudo contribui para a literatura, e oferece uma visão do potencial de adoção do Open Banking entre a parcela da população que será grande usuária dessa tecnologia.
Article
This article examines the use intention of open banking technology in the context of an emerging economy like India using the theoretical framework of Technology Readiness and Acceptance Model (TRAM). To study the use intention for open banking in India, a primary survey was conducted among 945 customers using a structured questionnaire. The PLS-SEM technique was used to analyze the data. Findings – The results show that Optimism (OPM) contributes positively to the Perceived Ease of Use (PES) and Perceived Usefulness (PUF) of the open banking technology. Innovativeness (INO) of the customers is a significant predictor of PES and PUF. It was found that Discomfort (DCF) negatively contributes to PES and PUF; however, it significantly influences PES and has no significant influence on PUF. Insecurity (INT) is negatively significant to PUF and it has no significant influence on PES. It is observed that PES positively contributes to PUF. The results show that PES and PUF are significant predictors of Perceived Customer Value (PCV). PCVs contribution to the Use Intention (UNT) is significantly positive for open banking technology. The stickiness to traditional banking moderates the relationship between PCV and UNT for open banking.
Chapter
Electronic payment is widely regarded as a fund transfer between parties electronically for commercial purposes, and it is increasingly being recognized as a key competitive tool in the present situation. While businesses are focusing more on rational factors behind consumer acceptance and adoption of e-payment, academic research is lagging in investigating the emotional factors. This chapter is providing a clear background about how businesses can emotionally influence and motivate consumers to utilize e-payment methods for their day to day transactions. A sample of 460 professionals in Sri Lanka was empirically investigated with the aim of identifying the emotional factors influencing professionals to adopt and use e-payment methods. A structured questionnaire was used to collect data and the exploratory factor analysis identified that the professionals' e-payment adoption was influenced by six different emotional factors. Based on the literature these factors are innovativeness, professional satisfaction, optimism, insecurity, skepticism, and discomfort.
Conference Paper
Technological readiness and User Acceptance is increasingly being used as a guide in the process of new technologies implementation. This approach can be measured using the collaboration of Technology Readiness Index (TRI) and Technology Acceptance Model (TAM) by analyzing the implementation of new technologies adaptation construct in a particular industry group. This paper investigates the collected data from 40 subjects representing 222 Craft Micro, Small and Medium Enterprise in Yogyakarta Regency, Indonesia. The approach tested to the implementation of an integrated information system, in this case an Enterprise Resource Planning (ERP) that is designed in four simple modules, such as Production, Sales, Marketing and Finance according to ERP research on SMEs in Indonesia conducted by other earlier researchers.
Chapter
This paper seeks to contribute to filling a knowledge gap on the topic of person-to-person (P2P) mobile payment adoption behaviour. The study builds on quantitative survey data from university students in Berlin. The theoretical foundation rests on innovation diffusion theory (IDT), the theory of reasoned action (TRA), the technology acceptance model (TAM), and mobile payment research. The majority of respondents have a favourable attitude towards using P2P mobile payments. P2P mobile payments are perceived as useful, easy to use, and are compatible with the lifestyle of the majority of respondents. They also support respondents’ mobile lifestyle; enabling them to cheaply, quickly, and easily conduct transactions on the move. Despite the benefits, social pressure to use P2P mobile payments is low, and respondents are comfortable with current payment methods. Adoption might be further hampered by concerns related to trust in service providers and security risks. Banks seeking to launch new P2P mobile payment solutions or aiming to improve existing services should focus on system usability, and increase awareness of service benefits. At the same time, there is a need to build trust and promote customer security. It is also important to focus on lifestyle compatibility, and consider an individual’s social environment and its effect on their adoption decision.
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This paper seeks to investigate the effect of technology readiness on the usage of smart entry service. The questionnaires were distributed to passengers who were experience with smart entry service and structural equation modeling was utilized to analyze the data. The results revealed that optimism had a positive impact on perceived usefulness and insecurity had a negative effect on perceived enjoyment. Perceived ease of use had a positive impact on perceived enjoyment, perceived usefulness and intention to use. In addition, perceived usefulness had a positive impact on intention to use. The results from this paper can be used as basic knowledge for developing the smart entry service activation plan.
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