Predicting the determinants of the NFC-enabled mobile credit card acceptance: A neural networks approach

The main aim of this study is to determine the factors influencing the adoption of Near Field Communication (NFC)-enabled mobile credit card, an innovation in contactless payment for the future generation. Constructs from psychological science, trust-based and behavioral control theories were incorporated into the parsimonious TAM. Using empirical data and Structural Equation Modeling-Artificial Neural Networks approach together with multi group analysis, the effects of social influence, personal innovativeness in information technology, trust, perceived financial cost, perceived usefulness and perceived ease of use were examined. The significance of indirect effects was examined using the bias-corrected percentile with two-tailed significance through bootstrapping. Gender, age, experience and usage were introduced as the moderator variables with industry being the control variable in the research model. The scarcity in studies regarding the moderating effects of these variables warranted the needs to further investigate their impacts. The mediating effect of perceived usefulness was examined using the Baron–Kenny’s technique. The findings of this study have provided invaluable theoretical, methodological and managerial implications and will contribute to the decision making process by CEOs, managers, manufacturers and policy makers from the mobile manufacturing industry, businesses and financial institutions, mobile commerce, mobile telecommunication providers, mobile marketers, private or government practitioners and etc.     

The effect of innovativeness on the adoption of B2C e-commerce: A model based on the Theory of Planned Behaviour

This paper analyses the factors that lead Internet users to becoming online shoppers. In particular, assuming that Internet is an innovation affecting the way individuals shop, a model of electronic commerce adoption is proposed that adds personal innovativeness to the traditional formulation of the Theory of Planned Behaviour. The theoretical model proposed is tested on a sample of Web users with no experience in online shopping. The results denote that electronic commerce acceptance is determined by attitudes to the system, subjective norm and personal innovativeness in the domain of information technology. Moreover, we find that personal innovativeness has a moderating effect on the acceptance of electronic commerce.     

Exploring students' awareness and perceptions: Influencing factors and individual differences driving m-learning adoption

This study investigates students' awareness and perceptions of m-learning and examines the factors affecting students' behavioral intention to adopt m-learning, by using a modified research model that integrate technology acceptance model (perceived usefulness and perceived ease of use) and unified theory of acceptance and use of technology (social influence) along with other factors (m-learning services and mobile limitations). In addition, control (gender, field of study, study level) and moderator variables (mobile capabilities, level of mobile usage, and frequent use of m-services) were introduced to verify the individual differences between respondents on the key factors affecting the adoption and usage of m-learning. Structural equations modeling and path analysis were used to test the hypotheses and the proposed model. The results revealed that perceived usefulness and perceived ease of use were found to be the primary factors driving students' intentions to use m-learning. Both m-learning services and social influence have positive effects on the acceptance of m-learning, while mobile limitations were found to be the main obstacle restraining students' participation in a m-learning environment. Most of the control variables yield no significant differences between students, but all the moderator variables were found to be significant determinants that can influence students to adopt m-learning. Overall, students have great potential to engage and integrate mobile technology into their educational environment.     

A dynamic model of electric vehicle adoption: The role of social commerce in new transportation

This research explores the adoption of electric vehicles (EVs) as a substitute for internal combustion engine vehicles (ICVs) and examines its emergence as a mobile intelligent terminal of social commerce. We present a system dynamics (SD) model incorporating fuzzy logic to simulate the adoption process. The results suggest that consumers’ vague perceptions and the dispersion of pilot EV projects have caused EV adoption to be delayed; nevertheless, the introduction of social commerce to EVs can help relieve this problem and promote EV adoption. However, the timing of introducing social commerce is critical for enhancing its positive effect on EV adoption.     

Determinants of adoption of mobile games under mobile broadband wireless access environment

Rapid advancements in technology and changes in cost have made the game industry a profitable area. Recently, Mobile Broadband Wireless Access technology-based (MBWA) games have been introduced into the marketplace. They are superior to current mobile games in terms of transmission speed and price and to older online games that have limited mobility. Since MBWA technologies, such as High Speed Downlink Packet Access (HSDPA), Wireless Broadband (WiBro), and Worldwide Interoperability for Microwave Access (WiMAX) have been developed, customers can enjoy games whenever and wherever they like. We decided to analyze the factors that influence potential users’ adoption of MBWA games using an extension of TAM. Most previous game-related studies lack a comprehensive approach to both technological and psychological aspects of game adoption and do not reflect a variety of consumer preferences. We therefore extended TAM to include an emotion variable and measured the moderating effects of gender, age, and prior experience on game adoption. Overall, the results revealed that the effect of perceived enjoyment was very important but that usefulness did not influence an individual's attitude. In addition, we also find that age can be key moderator of game acceptance.     

Modeling the stimulators of the behavioral intention to use mobile entertainment: Does gender really matter?

This research aims to empirically examine the stimulators that influence consumers’ behavioral intention to use (IU) mobile entertainment (ME) in Malaysia. The proposed stimulators are perceived usefulness (PU), perceived ease of use (PEOU), social influence (SI), perceived self-efficacy (PSE) and perceived enjoyment (PE). PU and PEOU were derived from TAM, SI was taken from the TRA, TPB and DOI model, PE was obtained from the extended-TAM model and PSE was taken from Bandura’s theory. This is among the first study that uses a model consisting of integrated constructs from TAM, extended-TAM, TRA, TPB, DOI and Bandura’s theory in predicting acceptance of ME. Empirical data were analyzed by employing Structural Equation Modeling (SEM) analysis. Gender moderating effect was examined via multiple group analysis (MGA). The findings revealed that PU, PEOU, SI and PE are positively associated with consumer IU of ME. Surprisingly, there were no significant moderating effects of gender. The control variables (i.e. age, marital status, education level, number of mobile phone and experience) were found to have no confounding effects on the ME adoption. The findings have contributed theoretical and managerial implications to ME providers, mobile phone manufacturers, the music, movie and gaming industry players.     

Effect of use contexts on the continuous use of mobile services: the case of mobile games

As mobile services become more popular and people can use them virtually anywhere, research on the effect of use contexts is gaining more attention. This research presents results from a study of continuous use of mobile services in different use contexts as defined by task and consumption place. Using mobile games as an example, the authors proposed a research model that augments current technology adoption theories to fit the hedonic nature of mobile games. The results from conducting an online survey indicate that contextual factors have significant moderating effect on the intention to play mobile games. The diverse lifestyles of users also have different attitudes and concerns regarding using mobile services. The findings suggest that service providers need to take into account the impact of use contexts and the needs of specific users when they design mobile services.     

The Effects of Personality Traits on User Acceptance of Mobile Commerce

Existing research on user acceptance of mobile commerce has found that technological perceptions—such as perceived usefulness, perceived ease of use, and perceived compatibility—had significant effects on user behavior. However, the effects of personality traits have seldom been examined. The purpose of this research is to examine the effects of five personality traits of extraversion, agreeableness, openness to experience, conscientiousness, and neuroticism on user adoption of mobile commerce. Partial least squares was employed to conduct data analysis. The results show that extraversion has a strong effect on trust, whereas neuroticism has significantly negative effects on trust and perceived usefulness, both of which determine user intention to adopt mobile commerce.     

The moderating effect of the business strategic orientation on eCommerce adoption: Evidence from UK family run SMEs

This study investigates eCommerce adoption in family run SMEs (small and medium sized enterprises). Specifically, the objectives of the study are twofold: (a) to examine environmental and organisational determinants of eCommerce adoption in the family business context; (b) to explore the moderating effect of business strategic orientation on the relationships between adoption determinants and adoption decision. A quantitative questionnaire survey was executed. The sampling frame was outlined based on the OneSource database and 88 companies were involved. Results of logistic regression analyses proffer support that ‘external pressure’ and ‘perceived benefits’ are predictors of eCommerce adoption. Moreover, the findings indicate that the strategic orientation of family businesses will function as a moderator in the adoption process.     

B2B E-Commerce Adoption in Iranian Manufacturing Companies: Analyzing the Moderating Role of Organizational Culture

The objective of this research is to examine the factors affecting Business-to-Business Electronic Commerce (B2B EC) adoption within technology-organization-environment (TOE) framework, and to test how such effects are moderated by organizational culture. Using a survey questionnaire, 320 responses were received from managers and owners of manufacturing companies in Iran. PLS-SEM technique was used for analysis. B2B EC adoption in manufacturing companies was found to be affected by cost of adoption, top management support, competitive pressure, and government support; and organizational culture was found to negatively moderate the relationship between top management support and B2B EC adoption. Managers, owners, and policy makers can use these findings to facilitate the adoption of B2B EC. Previous research have not analyzed the moderating role of organizational culture; these findings contribute to the e-commerce literature by filling this gap. The results indicate that the TOE framework provides a strong base for the study of B2B EC in developing countries. The results also show that this framework is able to integrate moderating variable into the theoretical model.     

A confidence-based framework for business to consumer (B2C) mobile commerce adoption

The Technology Acceptance Model (TAM) has been considered to be fundamental in determining the acceptance of new technology in the past decades. The two beliefs, ease of use and usefulness, in the model may not, however, fully explain the consumers’ behavior in an emerging environment, such as mobile commerce (m-commerce). This paper aims to develop a framework for m-commerce adoption in consumer decision-making processes. In this paper TAM has been adopted and extended to analyze successful m-commerce adoption. The key elements of the proposed confidence-based framework for B2C m-commerce adoption include psychological and behavioral factors. Psychological factors include history-based confidence, institution-based confidence and personality-based confidence. Behavioral factors include perceived ease of use and perceived usefulness of the mobile application and technology.     

Critical factors of WAP services adoption: an empirical study

Mobile commerce is becoming increasingly important in business. Wireless application protocol (WAP) is one of the most widespread technical standards for mobile commerce. Following continuous technical evolution, WAP has now included various new features. However, WAP services continue to struggle for market share. Hence, understanding the adoption of WAP services is increasingly important for enterprises interested in developing mobile commerce. This study aims to: (i) identify the critical factors of WAP services adoption; (ii) explore the relative importance of each factor between WAP adopters and non-adopters; and (iii) examine the causal relationships among variables on WAP services adoption behavior. This study reports empirical test of the adoption of WAP services in Taiwan, based on the theory of planned behavior and innovation diffusion theory. The results indicate that the critical factors influencing the adoption of WAP services include connection speed, service costs, user satisfaction, personal innovativeness, ease of use, peer influence, and facilitating conditions. Some suggestions for subsequent researchers and practitioners seeking to understand WAP services adoption behavior are also provided.     

Electronic commerce adoption: an empirical study of small and medium US businesses

By combining two independent research streams, we examined the determinant factors of strategic value and adoption of electronic commerce as perceived by top managers in small and medium sized enterprises (SME) in the midwest region of the US. We proposed a research model that suggested three factors that have been found to be influential in previous research in the perception of strategic value of other information technologies: operational support, managerial productivity, and strategic decision aids. Inspired by the technology acceptance model and other relevant research in the area, we also identified four factors that influence electronic commerce adoption: organizational readiness, external pressure, perceived ease of use, and perceived usefulness. We hypothesized a causal link between the perceived strategic value of electronic commerce and electronic commerce adoption. To validate the research model, we collected data from top managers/owners of SME by using an Internet survey.     

Electronic commerce adoption: an empirical study of small and medium US businesses

By combining two independent research streams, we examined the determinant factors of strategic value and adoption of electronic commerce as perceived by top managers in small and medium sized enterprises (SME) in the midwest region of the US. We proposed a research model that suggested three factors that have been found to be influential in previous research in the perception of strategic value of other information technologies: operational support, managerial productivity, and strategic decision aids. Inspired by the technology acceptance model and other relevant research in the area, we also identified four factors that influence electronic commerce adoption: organizational readiness, external pressure, perceived ease of use, and perceived usefulness. We hypothesized a causal link between the perceived strategic value of electronic commerce and electronic commerce adoption. To validate the research model, we collected data from top managers/owners of SME by using an Internet survey.     

Mobile payment services adoption across time: An empirical study of the effects of behavioral beliefs, social influences, and personal traits

Mobile payment is an emerging and important application of mobile commerce. The adoption and use of mobile payment services are critical for both service providers and investors to profit from such an innovation. The present study attempts to identify the determinants of pre-adoption of mobile payment services and explore the temporal evolution of these determinants across the pre-adoption and post-adoption stages from a holistic perspective including behavioral beliefs, social influences, and personal traits. A research model that reflects the characteristics and usage contexts of mobile payment services is developed and empirically tested by using structural equation modeling on datasets consisting of 483 potential adopters and 156 current users of a mobile payment service in China. Our findings show that behavioral beliefs in combination with social influences and personal traits are all important determinants for mobile payment services adoption and use, but their impacts on behavioral intention do vary across in different stages. Theoretical and practical implications of the findings are presented.     

Network effects as drivers of individual technology adoption: Analyzing adoption and diffusion of mobile communication services

Adoption research has largely ignored the dynamic impact of network effects on technology adoption and diffusion. For example, some technologies become more attractive the more social peers use them as well. But adoption at the same time increases the value for the peers and thereby their adoption decisions as well. Unfortunately, interdependencies like these make adoption and diffusion patterns very complex. Drawing on network effect theory, we develop an adoption and diffusion model that explicitly considers the role of direct and indirect network effects for individual technology adoption, using mobile commerce adoption as application example. By applying a simulation approach we can exemplify and analyze the fundamental adoption dynamics given rise to by network effects. We thereby propose a way of how to incorporate network effects into adoption research and disclose the role of the technology diffusion lifecycle for individual adoption.     

Mobile technology acceptance model: An investigation using mobile users to explore smartphone credit card

Smartphone credit card (SCC) is an emerging payment method using NFC-enabled smartphones. The proximity payment allows consumers to pay their products and services by waving their smartphones with a NFC reader. While there are advantageous adopting SCC, the adoption rate has not been encouraging. Interestingly, existing research work on past information technology and system models have so far focused primarily on organizational context and adopted specifically for work. Furthermore, past antecedents were mainly constructed using electronic commerce literatures which do not reflect the actual mobile environment. In contrast SCC is mainly adopted voluntarily by mobile users and for personal purposes. Thus this leads to the difficulty in drawing meaningful conclusion. The study addresses these limitations by proposing a new mobile technology acceptance model (MTAM) which consists of mobile usefulness (MU) and mobile ease of use (MEU) to determine SCC adoption. In anticipating on the complexity which exists in the mobile environment, additional mobile constructs namely mobile perceived security risk (MPSR), mobile perceived trust (MPT), mobile perceived compatibility (MPC) and mobile perceived financial resources (MPFR) were incorporated into the parsimonious MTAM. The integrated model was applied to 459 mobile users through a questionnaire approach and tested using partial least square-structural equation modelling-artificial neural network (PLS-SEM-ANN) has provided a new impact and a possible new research methodology paradigm as it is able to capture both linear and non-linear relationships. While the model confirms the role of MU in MTAM, MEU needs for more attention in practice. The results from the extended model showed that only three of the proposed hypotheses were non-significant in this study and thus warrant further investigation. The study contributes to academia by proposing new mobile constructs that brings together MTAM to assess the likelihood of mobile users to adopt SCC. The study also offers several important managerial implications which can be generalized to the mobile studies of other transportation, hotel, banking, and tourism industries.     

Predicting Drivers of Mobile Entertainment Adoption: A Two-Stage SEM-Artificial-Neural-Network Analysis

This study aims to understand users’ motivations to adopt mobile entertainment (m-entertainment). Extending the Technology Acceptance Model (TAM), this study examined the effects of trust, perceived financial cost (PFC), and quality of the service on consumers’ decision in adopting the m-entertainment. Survey data were collected from 524 mobile users and analyzed using both structural equation modeling (SEM) and neural network (NN) . The result showed that perceived usefulness (PU), perceived ease of use (PEOU), and quality of service (QS) are important predictors of m-entertainment adoption. The study contributes to the existing literature by extending the TAM model as well as examining m-entertainment, an important and emerging business model in mobile commerce. A new analytical approach using both SEM and NN was also employed in this study.     

Mobile social commerce: The booster for brand loyalty?

In view of the deficiencies in current literature, this study seeks to examine if mobile social commerce continuance usage influences brand loyalty among customers, and assessed the inhibitor role of privacy concern in mobile social commerce usage intention. Privacy concern was measured by using concern for social media information privacy (CFSMIP). Therefore, this study proposes and empirically validated a model that combines CFSMIP, brand loyalty, and Expectation Confirmation Model, in the Asian context. The results suggested that users' CFSMIP does not inhibit them from the continuous usage of mobile social commerce, and influences their perceived usefulness on mobile social commerce positively. Moreover, all the paths in the baseline model of Expectation Confirmation Model have been reconfirmed in this study. Besides, users' continuance usage and satisfaction on mobile social commerce are proven to be boosters for brand loyalty. Relevant managerial implications are then discussed.     

The role of perceived e-health literacy in users’ continuance intention to use mobile healthcare applications: an exploratory empirical study in China

ABSTRACT

In recent years, mobile healthcare applications (MHAs) have boomed, providing several new kinds of health services and methods of information transmission. However, MHA vendors face a significant challenge in attracting users to adopt software continuously. Some recent studies recognized users’ perceived e-health literacy (PEHL) as a critical factor in continuance intention, but its influence was still unclear. In this paper, based on the elaboration likelihood model (ELM), we investigated how the users’ PEHL affects their continuance intention when adopting MHAs. We distributed convenience sample questionnaires by Wechat (similar to WhatsApp) in China, where hundreds of MHAs can be downloaded, and 273 valid samples were collected. The result shows that ELM works well in this model, with six of the eight hypotheses supported. The moderating effect of PEHL is largely significant for the peripheral route but not significant for the central route. The most interesting finding is that, with regard to continuance adoption, PEHL has a positive relationship with users’ satisfaction. Possible reasons are discussed, such as there could be a moderator on this relationship. Limitations, future studies and implications for theory, practice and policy are also given.