Factors affecting the behavioral intention to adopt mobile banking: An international comparison

Over the past decade, the markets for mobile and wireless services have been among the world's fastest-growing, especially in Asian countries, presenting financial institutions with significant opportunities to offer value-added services. Mobile banking has since emerged as a new channel enabling the banks to react strategically to changes in competitive forces and to enhance customer convenience.Based on Diffusion of Innovations (DOI) theory, the Technology Acceptance Model (TAM), the Decomposed Theory of Planned Behavior (DTPB) model, this study develops an integrated model to provide a fuller understanding of factors facilitating or impeding the adoption of mobile banking, focusing on consumers in Taiwan and Vietnam. While subjective norms had a significant effect on the intention to adopt, three attributes of mobile banking (compatibility, perceived usefulness, and perceived risk) were found to have indirect effects on intention to adopt mobile banking through attitude toward adoption for consumers in both Taiwan and Vietnam. Intention to adopt mobile banking was indirectly influenced by self-efficacy and facilitating conditions, and directly affected by perceived behavioral control in both nations. Some differences in intention to adopt mobile banking between Taiwanese and Vietnamese are also discussed. Based on the research findings, managerial implications for financial institutions and mobile service providers are discussed.     

Mindful navigation for pedestrians: Improving engagement with augmented reality

Navigation systems are often followed mindlessly, as users may focus the attention on the device and not on the path. The risk of errors and bias related to the mindless adherence of the instruction is high.We suggested that a mindful walking navigation system could reduce the errors and improve the overall exploration experience. Specifically, we tested the hypothesis with an Augmented Reality system, with information directly projected on the path, in comparison with a standard device. Moreover, we tested the hypothesis that when users feel they are in control of their path, both performance and overall experience would improve. We found that both conditions increased the navigation performance and experience, decreased travel time, errors, and confusion and it increased the number of landmarks noticed.     

Exploring adoption of augmented reality smart glasses: Applications in the medical industry

This study explores the use of augmented reality smart glasses (ARSGs) by physicians and their adoption of these products in the Turkish medical industry. Google Glass was used as a demonstrative example for the introduction of ARSGs. We proposed an exploratory model based on the technology acceptance model by Davis. Exogenous factors in the model were defined by performing semi-structured in-depth interviews, along with the use of an expert panel in addition to the technology adoption literature. The framework was tested by means of a field study, data was collected via an Internet survey, and path analysis was used. The results indicate that there were a number of factors to be considered in order to understand ARSG adoption by physicians. Usefulness was influenced by ease of use, compatibility, ease of reminding, and speech recognition, while ease of use was affected by ease of learning, ease of medical education, external influence, and privacy. Privacy was the only negative factor that reduced the perceived ease of use, and was found to indirectly create a negative attitude. Compatibility emerged as the most significant external factor for usefulness. Developers of ARSGs should pay attention to healthcare-specific requirements for improved utilization and more extensive adoption of ARSGs in healthcare settings. In particular, they should focus on how to increase the compatibility of ARSGs. Further research needs to be conducted to explain the adoption intention of physicians.     

Augmented reality cues to assist older drivers with gap estimation for left-turns

The objective of this study was to assess the effects of augmented reality (AR) cues designed to assist middle-aged and older drivers with a range of UFOV impairments, judging when to make left-turns across oncoming traffic. Previous studies have shown that AR cues can help middle-aged and older drivers respond to potential roadside hazards by increasing hazard detection without interfering with other driving tasks. Intersections pose a critical challenge for cognitively impaired drivers, prone to misjudge time-to-contact with oncoming traffic. We investigated whether AR cues improve or interfere with hazard perception in left-turns across oncoming traffic for drivers with age-related cognitive decline. Sixty-four middle-aged and older drivers with a range of UFOV impairment judged when it would be safe to turn left across oncoming traffic approaching the driver from the opposite direction in a rural stop-sign controlled intersection scenario implemented in a static base driving simulator. Outcome measures used to evaluate the effectiveness of AR cueing included: Time-to-Contact (TTC), Gap Time Variation (GTV), Response Rate, and Gap Response Variation (GRV). All drivers estimated TTCs were shorter in cued than in uncued conditions. In addition, drivers responded more often in cued conditions than in uncued conditions and GRV decreased for all drivers in scenarios that contained AR cues. For both TTC and response rate, drivers also appeared to adjust their behavior to be consistent with the cues, especially drivers with the poorest UFOV scores (matching their behavior to be close to middle-aged drivers). Driver ratings indicated that cueing was not considered to be distracting. Further, various conditions of reliability (e.g., 15% miss rate) did not appear to affect performance or driver ratings.     

Integrating TTF and UTAUT2 theories to investigate the adoption of augmented reality technology in education: Perspective from a developing country

Augmented reality (AR) has gained increased recognition in varying fields, in particular educational contexts. In the wake of the Covid-19 pandemic, home-based learning becomes a reality and is already in place across the globe, and learning via augmented reality technology will help learners comprehend learning content in a more creative frame of mind than ever before. Very little research has examined the adoption behavior of augmented reality in developing country perspectives. Therefore, there is a pressing necessity to understand the dynamics of augmented reality adoption for the benefit of motivating and inspiring students to adopt this highly innovative and impactful type of technology in the learning process. Against this background, the authors proposed and tested a model based on integrating Task-Technology Fit (TTF) and UTUAT2 theories. The results reveal the positive effect of task technology fit, performance expectancy, effort expectancy, social influence, facilitating condition, and hedonic motivation on behavioral intention (BI) in the adoption process of augmented reality in educational settings, where price value is found to exert little influence on behavioral intention. This model explains 49% of the variance in intentional behavior to adopt AR technology in the educational context. The conclusions of this study will add to the literature more informative knowledge leading to increased awareness of the dynamics and behaviors of AR adoption in a developing country perspective. We present and discuss the theoretical contributions and practical implications of our findings.     

Predicting the intention to use and hedonic motivation for mobile learning: A comparative study in two Middle Eastern countries

Drawing on the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) Model, this study aimed to determine the key variables that facilitate the acceptance of mobile learning in two Middle Eastern countries (Saudi Arabia and Iraq), as well as identifying the constructs that can help enhance learners' motivation. A conceptual framework was proposed based on a modified UTAUT2, wherein trust was integrated, and new relationships were assumed among the proposed Model variables. Data were gathered using an online questionnaire from 469 higher education students of Computer Science. The collected data were analyzed with partial least squares (PLS) structural equation modeling and multi-group analysis (MGA) techniques. The results suggest significant differences in learners' perceptions from both countries. It was found that although some variables were significant in one country, they were not in the other and vice versa. Overall, the proposed framework explained 56.1% and 40.7%, respectively of the variance of behavioral intention and hedonic motivation among the Saudi sample (N = 246), and 51.1% and 41.9%, respectively of the variance of behavioral intention and hedonic motivation in the Iraqi sample (N = 223). These research outcomes are significant for educational institutions as they could help policy-makers better understand the issues facing mobile learning acceptance in terms of cultural similarities and differences. Accordingly, new strategies could be formulated to ensure improved mobile learning uptake.     

A new finite element based on the theory of a Cosserat point—extension to initially distorted elements for 2D plane strain

This paper describes an improvement of the Cosserat point element formulation for initially distorted, non-rectangular shaped elements in 2D. The original finite element formulation for 3D large deformations shows excellent behaviour for sensitive geometries, large deformations, coarse meshes, bending dominated and stability problems without showing undesired effects such as locking or hourglassing, as long as the initial element shape resembles that of a rectangular parallelepiped. In the following, an extension of this element formulation for 2D plane strain is presented which has the same good properties also for the case of non-rectangular initial element shapes. Results of numerical tests are presented, that clearly show the advantages of the improved Cosserat point element compared to the standard displacement elements and the original version of the Cosserat point element. Copyright © 2007 John Wiley & Sons, Ltd.     

A new acceptance model for artificial intelligence with extensions to UTAUT2: An empirical study in three segments of application

More and more products in everyday life are using artificial intelligence (AI). The purpose of this research is to investigate influence factors in an acceptance model on behavioral intention and use behavior for products containing AI in an everyday life environment. Using PLS-Analysis, this study analyzes additional influence factors to the UTAUT2 model in the three application segments mobility, household, and health, using a sample of 21,841 respondents. Except for safety security, all additional factors to the UTAUT2 model play a relevant role in explaining behavioral intention and use behavior of products containing AI. This study answers the applicability of an established acceptance model for products that incorporate AI, extended by five additional influencing factors.     

From Fracture to Damage Mechanics: A behavior law for microcracked composites using the concept of Crack Opening Mode

Many studies have been carried out in order to build a coherent macroscopic behavior law for a composite containing microcracks. All of them are only partially coherent and none of them is complete. This study proposes a hyperelastic behavior law for a microcracked composite, respecting all the conditions associated with the damage activation/deactivation, stress/strain relation continuity, induced anisotropy and the Clausius–Duhem inequality. This approach is based on the definition of the Crack Opening Mode for Damage Mechanics as it exists in Fracture Mechanics.