Investigating the Importance of Trust on Adopting an Autonomous Vehicle

The objective of this study is to examine the user’s adoption aspects of autonomous vehicle, as well as to investigate what factors drive people to trust an autonomous vehicle. A model explaining the impact of different factors on autonomous vehicles’ intention is developed based on the technology acceptance model and trust theory. A survey of 552 drivers was conducted and the results were analyzed using partial least squares. The results demonstrated that perceived usefulness and trust are major important determinants of intention to use autonomous vehicles. The results also show that three constructs—system transparency, technical competence, and situation management—have a positive effect on trust. The study identified that trust has a negative effect on perceived risk. Among the driving-related personality traits, locus of control has significant effects on behavioral intention, whereas sensation seeking did not. This study investigated that the developed model explains the factors that influence the acceptance of autonomous vehicle. The results of this study provide evidence on the importance of trust in the user’s acceptance of an autonomous vehicle.     

Understanding Continuance Intention of Mobile Payment Services: An Empirical Study

Research on continued use of mobile payment services is scarce. To address part of this research gap, we examine a research model, derived from IT continuance, risk-trust, and affect-cognition literature. The results show that user satisfaction with mobile payment services has a substantive positive impact on continuance intention with such services; the disconfirmation of preadoption perceived usefulness about mobile payment services positively impacts user satisfaction and postadoption perceived usefulness; the disconfirmation of preadoption perceived risk about mobile payment services negatively impacts user satisfaction and positively impacts postadoption perceived risk; postadoption perceived usefulness is positively associated with continuance intention; user satisfaction positively impacts both institution-based trust in mobile payment technologies and trust beliefs in service providers; institution-based trust shows a positive impact on postadoption perceived usefulness and a negative impact on postadoption perceived risk.     

An empirical examination of the determinants of mobile purchase

As en emerging service, mobile purchase has not received wide adoption among users. Drawing on the trust and flow theory, this research identified the factors affecting user adoption of mobile purchase. We conducted data analysis with structural equation modeling (SEM). The results indicated that contextual offering has strong effects on trust, flow, and perceived usefulness. In addition, structural assurance affects trust. Trust affects flow, which further affects perceived usefulness. These three factors determine mobile purchase intention.     

Examining Postadoption Usage of Mobile Services From a Dual Perspective of Enablers and Inhibitors

Users' postadoption usage is crucial to the success of mobile service providers. From a dual perspective, this research examined the effects of trust, satisfaction as enablers, and switching barrier as inhibitors on the postadoption usage of mobile services. A survey was used to collect data, and data analysis was conducted with structural equation modeling. The results indicated that trust, satisfaction, and switching barrier have significant effects on the postadoption usage. In addition, service quality and perceived value strongly affect trust and satisfaction, whereas switching cost determines switching barrier. These results advance our understanding of mobile users' postadoption usage as extant research has focused on using a single perspective of enablers such as perceived usefulness to examine mobile user behavior.     

Increasing trust in mobile commerce through design aesthetics

The growth of mobile commerce (m-commerce) has motivated a better understanding of how trust can be built on a mobile device. Researchers have previously examined design aesthetics (or visual aesthetics) of mobile website and incorporated a hedonic component of enjoyment in m-commerce domain, but the relationship between design aesthetics of mobile website design and customer trust in m-commerce has been rarely investigated. In this study, design aesthetics was enhanced to include a website characteristics component as important to trust development on the mobile Internet. This model was examined through an empirical study involving 200 subjects using structural equation modeling techniques. Our research found that design aesthetics did significantly impact website characteristics component, especially customization, perceived usefulness and ease of use, all of which were ultimately shown to have significant explanatory power in affecting customer trust.     

Who blogs? Personality predictors of blogging

The Big Five personality inventory measures personality based on five key traits: neuroticism, extraversion, agreeableness, openness to experience, and conscientiousness [Costa, P. T., Jr., & McCrae, R. R. (1992). Normal personality assessment in clinical practice: The NEO Personality Inventory. Psychological Assessment 4, 5–13]. There is a growing body of evidence indicating that individual differences on the Big Five factors are associated with different types of Internet usage [Amichai-Hamburger, Y., & Ben-Artzi, E. (2003). Loneliness and Internet use. Computers in Human Behavior 19, 71–80; Hamburger, Y. A., & Ben-Artzi, E. (2000). Relationship between extraversion and neuroticism and the different uses of the Internet. Computers in Human Behavior 16, 441–449]. Two studies sought to extend this research to a relatively new online format for expression: blogging. Specifically, we examined whether the different Big Five traits predicted blogging. The results of two studies indicate that people who are high in openness to new experience and high in neuroticism are likely to be bloggers. Additionally, the neuroticism relationship was moderated by gender indicating that women who are high in neuroticism are more likely to be bloggers as compared to those low in neuroticism whereas there was no difference for men. These results indicate that personality factors impact the likelihood of being a blogger and have implications for understanding who blogs.     

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.     

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.     

Examining the role of initial trust in user adoption of mobile payment services: an empirical investigation

User adoption of mobile payment (m-payment) is low compared to the adoption of traditional forms of payments. Lack of user trust has been identified as the most significant long-term barrier for the success of mobile finances systems. Motivated by this fact, we proposed and tested an initial trust theoretical model for user adoption of m-payment systems. The model not only theorizes the role of initial trust in m-payment adoption, but also identifies the facilitators and inhibitors for a user’s initial trust formation in m-payment systems. The model is empirically validated via a sample of 851 potential m-payment adopters in Australia. Partial least squares structural equation modelling is used to assess the relationships of the research model. The results indicate that perceived information quality, perceived system quality, and perceived service quality as the initial trust facilitators are positively related to initial trust formation, while perceived uncertainty as the initial trust inhibitor exerts a significant negative effect on initial trust. Perceived asset specificity is found to have insignificant effect. In addition, the results show that initial trust positively affects perceived benefit and perceived convenience, and these three factors together predict usage intention. Perceived convenience of m-payment is also found to have a positive effect on perceived benefit. The findings of this study provide several important implications for m-payment adoption research and practice.     

Examining mobile banking user adoption from the perspectives of trust and flow experience

Due to the high perceived risk and poor experience associated with using mobile banking, it is critical for service providers to build users’ trust and improve their experience. Integrating both perspectives of trust and flow experience, this research examined the factors affecting mobile banking user adoption. The results indicate that structural assurance is the main factor affecting trust, whereas ubiquity and perceived ease of use are the main factors affecting flow experience. Trust has a significant effect on flow experience, and both factors determine usage intention, which in turn affects actual usage. Thus mobile service providers need to concern both trust and flow experience to facilitate user adoption and usage of mobile banking services.     

Antecedents of computer self-efficacy: A study of the role of personality traits and gender

Empirical evidence suggests that computer self-efficacy plays an important role in one’s acceptance and use of new information technology. Little is however known about the antecedents of computer self-efficacy. This paper reports on a study of 143 non-users of a self-checkout library system available at a large Canadian university which was conducted to investigate the relationships between stable personality traits and gender with computer self-efficacy. Results indicate that four of the five stable personality traits, as measured by the Big-5 factors of personality, contribute to explain computer self-efficacy. Taking gender into account, results show that the traits of neuroticism, extraversion, and agreeableness are significantly related to computer self-efficacy for women but not for men. Implications for research and practice are discussed.     

Individual Creativity during the Ideation Phase of Product Innovation: An Interactional Perspective

Although there is increasing acknowledgement that employees' creative ideas are fundamental for product innovation, and many companies use cross‐functional teams to increase employee creativity, there has been little empirical testing of how individual personality and group context interactively affect individual creativity. The purpose of this study is threefold: to examine the relationship between personality and individual creativity; to assess how this relationship interacts with group diversity; and to determine whether the interaction effects between personality traits and gender diversity are mediated by individual knowledge sharing. The results of an experiment based on a sample of 142 working adults show that openness to experience and extraversion are positively related to individual creativity, whereas neuroticism and conscientiousness are negatively related to individual creativity. Furthermore, the impacts of openness to experience and extraversion on individual creativity, respectively, are moderated by both functional diversity and gender diversity. In addition, these interaction effects are mediated by individual knowledge sharing. Interestingly, this study also finds that the direction of functional diversity's moderating effects depends on the level of group diversity.     

Understanding dynamics between initial trust and usage intentions of mobile banking

Mobile banking is an emerging application of mobile commerce that could become an additional revenue source to both banks and telecom service providers. It is a form of service convergence enabled by innovative technologies. Despite the alleged benefits of mobile banking, its acceptance has been short of industry expectations. One plausible explanation may be consumers' initial lack of trust in available services. The objective of our research is to reveal the mechanisms associated with the initial formation of people's trust in mobile banking and intention to use the service. For this, we attempt to understand the effect of four antecedent variables (structural assurances, relative benefits, personal propensity to trust and firm reputation) on shaping a person's initial trust in mobile banking and its usage intention. They represent four types of trust-inducing forces: institutional offering (structural assurances), cognition (perceived benefits), personality (personal propensity) and firm characteristics (firm reputation). We examine individual significance of the selected antecedents and also their comparative reliability in explaining the two exogenous variables. The technical basis of our empirical research is the innovative mobile banking solution that uses cellphones with a built-in smart chipset. The survey data are analyzed using structural equation modelling. The analysis showed that three variables (relative benefits, propensity to trust and structural assurances) had a significant effect on initial trust in mobile banking. Also, the perception of initial trust and relative benefits was vital in promoting personal intention to make use of related services. However, contrary to our expectation, the reputation as a firm characteristics variable failed to attract people to mobile banking.     

Exploring neuroticism and extraversion in flow and user generated content consumption

Using flow theory as our foundation, we empirically tested the impact of personality traits on the flow state experience and three user-generated content (UGC) usage types. The findings indicate that extraversion is positively related to UGC usage for entertainment and negatively related to communication and information, whereas neuroticism is positively related to UGC usage for entertainment and communication. Only extraversion has an influence on flow, which is positive, and flow, in turn, has a positive influence on UGC usage for entertainment and communication. This study extends flow theory by exploring antecedents and outcomes of the flow state experience.     

How do post-usage factors and espoused cultural values impact mobile payment continuation?

Mobile commerce has become the predominant form of electronic commerce in many countries. This study examines the impacts of mobility, privacy protection, and social influence on mobile payment (m-payment) continuance and the moderation effects of espoused cultural values. A research model rooted in expectation–confirmation theory was tested using 724 usable responses from smartphone m-payment users in China. The results revealed that post-usage privacy protection and social influence beliefs drove user continuous intentions direct towards m-payment, and post-usage mobility belief had an indirect impact via user satisfaction. The espoused cultural value uncertainty avoidance served as an antecedent of perceived social influence and mobility. The espoused cultural value power distance served as an antecedent of perceived privacy protection. Implications, limitations, and future research directions are also discussed.     

Not all trust is created equal: dispositional and history-based trust in human-automation interactions

OBJECTIVE: We provide an empirical demonstration of the importance of attending to human user individual differences in examinations of trust and automation use. BACKGROUND: Past research has generally supported the notions that machine reliability predicts trust in automation, and trust in turn predicts automation use. However, links between user personality and perceptions of the machine with trust in automation have not been empirically established. METHOD: On our X-ray screening task, 255 students rated trust and made automation use decisions while visually searching for weapons in X-ray images of luggage. RESULTS: We demonstrate that individual differences affect perceptions of machine characteristics when actual machine characteristics are constant, that perceptions account for 52% of trust variance above the effects of actual characteristics, and that perceptions mediate the effects of actual characteristics on trust. Importantly, we also demonstrate that when administered at different times, the same six trust items reflect two types of trust (dispositional trust and history-based trust) and that these two trust constructs are differentially related to other variables. Interactions were found among user characteristics, machine characteristics, and automation use. CONCLUSION: Our results suggest that increased specificity in the conceptualization and measurement of trust is required, future researchers should assess user perceptions of machine characteristics in addition to actual machine characteristics, and incorporation of user extraversion and propensity to trust machines can increase prediction of automation use decisions. APPLICATION: Potential applications include the design of flexible automation training programs tailored to individuals who differ in systematic ways.     

A two-staged SEM-neural network approach for understanding and predicting the determinants of m-commerce adoption

The advancement in wireless and mobile technologies has presented tremendous business opportunity for mobile-commerce (m-commerce). This research aims to examine the factors that influence consumers’ m-commerce adoption intention. Variables such as perceived usefulness, perceived ease of use, perceived enjoyment, trust, cost, network influence, and variety of services were used to examine the adoption intentions of consumers. Data was collected from 376 m-commerce users. A multi-analytic approach was proposed whereby the research model was tested using structural equation modeling (SEM), and the results from SEM were used as inputs for a neural network model to predict m-commerce adoption. The result showed that perceived usefulness, perceived enjoyment, trust, cost, network influence, and trust have significant influence on consumers’ m-commerce adoption intentions. However, the neural network model developed in this research showed that the best predictors of m-commerce adoption are network influence, trust, perceived usefulness, variety of service, and perceived enjoyment. This research proposed an innovative new approach to understand m-commerce adoption, and the result for this study will be useful for telecommunication and m-commerce companies in formulating strategies to attract more consumers.     

Determinants of behavioral intention to mobile banking

With the improvement of mobile technologies and devices, banking users are able to conduct banking services at anyplace and at anytime. Recently, many banks in the world have provided mobile access to financial information. The reason to understand what factors contribute to users’ intention to use mobile banking is important issue of research. The purpose of this research is to examine and validate determinants of users’ intention to mobile banking. This research used a structural equation modeling (SEM) to test the causalities in the proposed model.The results indicated strong support for the validity of proposed model with 72.2% of the variance in behavioral intention to mobile banking. This study found that self-efficiency was the strongest antecedent of perceived ease-of-use, which directly and indirectly affected behavioral intention through perceived usefulness in mobile banking. Structural assurances are the strongest antecedent of trust, which could increase behavioral intention of mobile banking. This research verified the effect of perceived usefulness, trust and perceived ease-of-use on behavioral intention in mobile banking. The results have several implications for mobile banking managers.     

Personality and espoused cultural differences in technostress creators

This study examines the individual differences in ‘technostress creators'—defined as the factors that cause technostress for employees. Drawing on the Five-Factor model of personality and Hofstede's cultural values framework, this study proposes that the Big-Five personality traits and the espoused cultural values explain variation in technostress creators beyond the traditional antecedent measures of age, gender, education, and computer confidence. Further, in line with the insights from extant behavioral studies on “personality–culture” interaction, this study posits that the Big-Five personality traits can be linked to technostress creators more closely when each of them is accompanied by the espoused cultural value of long-term orientation than when without it. Analyzing data from an online survey of 322 full-time employees in India, results indicated that (1) the personality traits of agreeableness, neuroticism and openness to experience, and the espoused cultural values of masculinity and power distance are the key predictors of technostress creators; and (2) the relationships of agreeableness, conscientiousness and extraversion with technostress creators are contingent on espoused long-term orientation. Findings of this study contribute to the knowledge base of technostress by understanding the linkages of (and among) personality and culture with technostress creators.     

Individual identification using personality traits

In this article, a pioneer study is conducted to evaluate the possibility of identifying people through their personality traits. The study is conducted using the answers of a population of 734 individuals to a collection of 206 items. These items aim at measuring five common different personality traits usually called the big five. These five levels are neuroticism, extraversion, agreeableness, conscientiousness and openness. The traits are estimated using the widely used Samejima's model and then used to discriminate the individuals. Results point biometrics using personality traits as a new promising biometric modality.