Determinants of users’ intention to adopt wireless technology: An empirical study by integrating TTF with TAM

This paper reported the results of a survey study and provided evidences of empirically testing a model that integrates both technology acceptance model (TAM) and task-technology fit (TTF) model in understanding the determinants of users’ intention to use wireless technology in organizations. Questionnaires were distributed to organizations that bring mobile commerce into practice through the wireless handheld devices. The results indicated that both technology acceptance model and task-technology fit model are robust models by themselves. First, both perceived usefulness and ease of use significantly influence users’ behavior intention to utilize wireless technology. Perceived ease of use has significant effect on perceived usefulness. Second, characteristics of technology and task significantly predict the fit between these two constructs. Significant effect of characteristics of technology on perceived ease of use and usefulness were observed. Finally, significant relationships between TAM and TTF model were also observed. Task-technology fit is a significant direct predictor of technology adoption intention. Overall, users’ intention to adopt wireless technology in organizations was determined directly by fit between characteristics of task and technology as well as users’ perceived ease of use and usefulness.     

Understanding users’ initial trust in mobile banking: An elaboration likelihood perspective

Due to the high perceived risk, building users’ initial trust is crucial to facilitating their adoption and usage of mobile banking. Drawing on the elaboration likelihood model (ELM), this research examined users’ initial trust in mobile banking. The results indicated that initial trust develops along a dual route including the central route and peripheral route. Self-efficacy as the elaboration likelihood moderates the effects of central cues and peripheral cues on initial trust. Central cues include information quality and service quality, whereas peripheral cues include system quality, structural assurance and reputation. The results imply that service providers need to employ differentiated strategies to build users’ initial trust in mobile banking.     

A weight and a meta-analysis on mobile banking acceptance research

Following the globalization of business and systems, there is a pressing need to understand the main factors affecting mobile banking user acceptance. The increasing number of mobile banking studies and articles published in the last years, as well as conferences and workshops, has made the research process on this important subject more complex and time-consuming. Therefore, it is necessary to synthesize findings from existing research, seeking an update of the current state-of-the-art knowledge. A combination of weight and meta-analysis was chosen, in order to identify the frequency and relevance of the most used constructs and their most important relationships. A total of 57 articles were found in the literature, having the necessary quantitative statistical data to be considered. The best predictors of the intention to use the mobile banking services identified, simultaneously significant in the weight and in the meta-analysis, are: (i) attitude, (ii) initial trust, (iii) perceived risk, and (iv) performance expectancy. In terms of use of mobile banking, considering the same assumptions, the best predictors are: (i) intention, and (ii) performance expectancy. Facilitating conditions on attitude, task technology fit on performance expectancy, and performance expectancy on initial trust have the potential to be added to the list of the most important predictors, but they still need additional research. A theoretical model based on our results is presented, providing a means to support future mobile banking acceptance studies.     

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.     

The effects of perceived risk and technology type on users’ acceptance of technologies

Previous studies on technology adoption disagree regarding the relative magnitude of the effects of perceived usefulness and perceived ease of use. However these studies did not consider moderating variables. We investigated four potential moderating variables – perceived risk, technology type, user experience, and gender – in users’ technology adoption. Their moderating effects were tested in an empirical study of 161 subjects. Results showed that perceived risk, technology type, and gender were significant moderating variables. However the effects of user experience were marginal after the variance of errors was removed.     

Exploring the impact of use context on mobile hedonic services adoption: An empirical study on mobile gaming in China

Unlike traditional technologies, the use of mobile technology is exposed to shifting use contexts. Use context has frequently been described as an important factor influencing the adoption of mobile innovations. However, empirical evidence about the impact of use context is limited. This paper investigated the effect of use context on the formation of users’ perceptions of mobile hedonic services by using mobile gaming as an example. Through the employment of structural equation modelling technology, an adoption model of mobile gaming is proposed and assessed based on results from 267 questionnaires. The results show that use context is the strongest predictor of mobile game adoption. It directly or indirectly affects all different perceptions of mobile gaming in significant ways, including perceived ease of use, perceived usefulness, perceived enjoyment, cognitive concentration, attitude and behavioral intention. Additionally, perceived usefulness, perceived enjoyment and cognitive concentration all have a positive influence on the attitudinal variables of mobile game acceptance. We concluded that the formation of people’s perceptions about mobile gaming is conditional and based on the special consideration of certain use contexts. Both theoretical and practical implications are discussed.     

A longitudinal experimental study on the interaction effects of persuasion quality, user training, and first-hand use on user perceptions of new information technology

While prior research has investigated the main effects of external factors on user perceptions of a new IT, little work has been into the interaction effect of external factors on user perceptions. In a longitudinal experimental study, we examined the effect of the quality of persuasive argument, user training, and first-hand use on user perceptions of the new technology over time. We found that the effect of argument quality on users’ perceived ease of use was greater when users had no training. However, we did not find the same effect occurred due to perceived usefulness. We also found that first-hand use changed users’ perceived usefulness more over time when users received high quality arguments or when they had no training. While we found that first-hand use changed users’ perceived ease of use more when users received high quality arguments, first-hand use did not change users’ perceived ease of use differently whether they had or had not received prior training.     

Integrating context-awareness and UTAUT to explain Alipay user adoption

Due to its advantages, Alipay has become one of the largest third-party payment platforms in China. However, Alipay is also confronted with dual challenges from inherent technology to external competition. In fact, Alipay user adoption is determined not only by perception of the technology but also by the context-awareness. In other words, even though a technology may be perceived as being advanced, if it cannot use the context to provide relevant information or services, they may not adopt it. By integrating the context-awareness and the unified theory of acceptance and usage of technology (UTAUT), this paper proposes a model of Alipay user adoption. We found that the relationship between the context and Alipay user adoption is mediated by performance expectancy and effort expectancy. While the relationship between the ubiquity and Alipay user adoption is only mediated by the performance expectancy.     

Explaining and predicting users’ continuance intention toward e-learning: An extension of the expectation–confirmation model

Although e-learning has been prompted to various education levels, the intention to continue using such systems is still very low, and the acceptance-discontinuance anomaly phenomenon (i.e., users discontinue using e-learning after initially accepting it) is a common occurrence. This paper synthesizes the expectation–confirmation model (ECM), the technology acceptance model (TAM), the theory of planned behavior (TPB), and the flow theory to hypothesize a theoretical model to explain and predict the users’ intentions to continue using e-learning. The hypothesized model is validated empirically using a sample collected from 363 learners of a Web-based learning program designed for continuing education. The results demonstrate that satisfaction has the most significant effect on users’ continuance intention, followed by perceived usefulness, attitude, concentration, subjective norm, and perceived behavior control as significant but weaker predictors. The implications of these findings for e-learning practitioners are discussed at the end of this work.     

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.     

Perceived values and prospective users’ acceptance of prospective technology: The case of a career eportfolio system

Technology-acceptance tests are traditionally conducted after users have obtained at least a certain amount of experience with a technology. Taking college students who had no real interaction with a prospective eportfolio system, this study investigated both their perceptions of the system and the perceptions’ association with attitude towards and intention of using the system. A pre-implementation value-assessment model was proposed, and the results indicate that for prospective users, attitudes appear to have the strongest significant direct effect on usage intentions. Perceived functional value serves as the preliminary conditions that mediate the effect of the perceived epistemic value on attitude. Perceived contextual value influences users’ attitude and intention via the mediation of perceived epistemic value and perceived functional value. This model provides a systemic understanding of prospective users’ perceptions of the system, and such an understanding can help change agents to examine their assumptions about prospective users’ perceptions concerning the value and acceptance of a new technology.     

Toward an understanding of the behavioral intention to use mobile banking

Although millions of dollars have been spent on building mobile banking systems, reports on mobile banking show that potential users may not be using the systems, despite their availability. Thus, research is needed to identify the factors determining users' acceptance of mobile banking. While there has been considerable research on the technology acceptance model (TAM) that predicts whether individuals will accept and voluntarily use information systems, limitations of the TAM include the omission of an important trust-based construct in the context of electronic/mobile commerce, and the assumption that there are no barriers preventing an individual from using an IS if he or she chooses to do so. Based on literature relating to the theory of planned behavior (TPB) and the TAM, this study extends the applicability of the TAM in a mobile banking context, by adding one trust-based construct (“perceived credibility”) and two resource-based constructs (“perceived self-efficacy” and “perceived financial cost”) to the model, while paying careful attention to the placing of these constructs in the TAM's existing nomological structure. Data collected from 180 users in Taiwan were tested against the extended TAM, using the structural equation modeling approach. The results strongly support the extended TAM in predicting users' intentions to adopt mobile banking. Several implications for IT/IS acceptance research and mobile banking management practices are discussed.     

The impact of distractions on the usability and intention to use mobile devices for wireless data services

Mobile technology has quickly become ingrained in society due to the flexibility of anywhere/anytime usage. However, factors associated with and that impact mobility, mobile users, and mobile use of products and services are still poorly understood. For example, even though distractions are ever present during everyday use of mobile devices, the nature and extent to which user perceptions and performance are affected by their presence is unknown. An empirical study was undertaken to investigate the impact of distractions and confirmation of pre-trial expectations on usability and its subsequent effect on consumers’ behavioral intention toward using a mobile device for wireless data services. Distractions were simulated in this study in the form of either user motion or environmental noise (i.e. background auditory and visual stimuli). A Structural Equation Modelling (SEM) analysis confirmed the impacts of distractions on efficiency and effectiveness, and in turn the users’ satisfaction and behavioral intention to use a mobile device for wireless data services. Support was also obtained for a mediating effect of post-trial confirmation of expectations between perceived performance and satisfaction. Implications of these findings for theory, practice, and future research are outlined.     

Predicting different conceptualizations of system use: Acceptance in hedonic volitional context (Facebook)

This research examines the relationship between the predictors of use and the different conceptualizations of system use in a hedonic volitional setting (Facebook). Using the unified theory of acceptance and use of technology (UTAUT) model, an investigation into the three aspects of system use: the user, system and task were carried out. Results from a cross-sectional survey of 449 students show that behavioral intention has a significant influence on all aspects and dimensions of system use including cognitive absorption and deep structure use. Performance expectancy, effort expectancy and social influence are significantly related to system use. From the component model, performance expectancy is only significant with deep structure use. Hedonic performance expectancy is found to be significantly related to cognitive absorption. Results also demonstrate that predictors of usage have a significant relationship with the user aspect of system use. The variance explained in usage conceptualized as the user/task aspects is much higher than that of the system/task aspects or one-dimensional measures. Overall, conceptualizing system use using the user/task aspects offers greater explanatory power in Facebook use.     

Examining the effects of information system characteristics and perceived usefulness on post adoption usage of information systems

Understanding post adoption behavior has emerged as an important issue in IS research. Organizations have invested in a plethora of Information Systems (IS) and the benefits that can be gained from these systems depend on their usage. Prior research has examined factors that impact users’ intention to continue using the IS. However, comprehending post adoption IS usage behavior has not received much attention. Building on TAM and IS success model, this study proposes that information quality and system integration influence perceived IS usefulness which will then drive post adoption usage of the IS. Post adoption IS usage is conceptualized as a broad concept that includes extended usage and exploratory usage. Data (N = 1032) was collected to test the model, in the context of a web-based student information system that students use to manage their academic work. The results show that at the post adoption stage, perceived IS usefulness is a good predictor of extended usage and exploratory usage. However, surprisingly IS usefulness was found to explain a much larger variance in exploratory usage. Information quality and system integration were found to influence IS usefulness. However, information quality also has a direct affect on extended usage, while system integration directly influenced exploratory usage. Assessment of the moderating role of gender and internet experience on model relationships reveals interesting insights. Implications are drawn for future research and practice.     

An empirical study of the factors affecting social network service use

Social network services are emerging as a promising IT-based business, with some services already being provided commercially such as Facebook, Cyworld and Xiaonei. However, it is not yet clear which potential audience groups will be key social network service participants. Moreover, the process showing how an individual actually decides to start using a social network service may be somewhat different from current web-based community services. Hence, the aims of this paper are twofold. First, we empirically examine how individual characteristics affect actual user acceptance of social network services. To examine these individual characteristics, we apply a Technology Acceptance Model (TAM) to construct an amended model that focuses on three individual differences: social identity, altruism and telepresence, and one perceived construct: the perceived encouragement, imported from psychology-based research. Next, we examine if the users’ perception to see a target social network service as human relationship-oriented service or as a task-oriented service could be a moderator between perceived constructs and actual use. As a result, we discover that the perceived encouragement and perceived orientation are significant constructs that affect actual use of social network services.     

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.     

An exploratory study on mobile banking adoption in Indian metropolitan and urban areas: a scenario-based experiment

Security concerns have thwarted the widespread adoption of mobile banking in India. To respond to the concerns of Indian banks and their customers, we present in this paper our exploratory attempts to understand how the levels of security affect perceived risk and control and ultimately, adoption of mobile banking by Indian customers. This study also examines the moderating influence of the type of city on the relationship between security levels and risk/control perceptions associated with mobile banking. Using a scenario-based experiment, we classified security-enhancing approaches into three categories and examined their effectiveness in decreasing Indian customers’ perceived risk, increasing their perceived control, and then in turn, facilitating mobile banking adoption. Our findings reveal the important role of perceived risk and control in influencing customers’ intention to adopt mobile banking. Moreover, perceived risk and control significantly influenced mobile banking adoption by customers in urban areas, but only perceived control significantly influenced mobile banking adoption by metropolitan customers. Additional analyses show that customers’ risk and control perceptions differ according to the level of security; however, these perceptions do not have a significant influence on risk and control.     

Extending technology usage to work settings: The role of perceived work compatibility in ERP implementation

Spanning over three decades and hundreds of studies, researchers have generated models, that examined user perceptions of technological attributes presumed to influence intention to use IT and consequent usage behavior. While these theories have provided reasonable explanations of IT usage across a broad range of technological and task settings, they did not address the role of IT in organizations, though they have been tested in organizational contexts, the models have not been modified to fit the context of organizational work. Current models are good at explaining IT usage in personal-settings, but they have not adequately examined the role of IT in organizations and thus have limited explanatory power in such settings. Furthermore, organizations deploy IT both to maximize its usage and to derive performance benefits from it. However, current IT usage models generally only consider IT usage as the dependent variable, without examining its performance impact. We extended IT usage models to include the role of IT's perceived work compatibility in shaping users’ IT usage intention, usage, and performance in work settings. The model was empirically validated using a field survey of 138 users of ERP systems in 62 firms in China.     

A benefit–cost perspective of the consumer adoption of the mobile banking system

The present research adopts a benefit–cost perspective to study consumer adoption of the mobile banking services. It is suggested that because of the specific product context of the mobile banking service, such as the difficulty to assess some experiential qualities like the ease of use due to a low trial rate of mobile banking and the inherent risk factor involved in a new financial service technology, models complementary to the technology adoption model may be needed to accommodate these product contexts. In the present research, the benefit–cost framework was employed as an example of the complementary framework to study consumers' adoption of the mobile banking system. The key benefit of mobile banking is convenience, while the key cost is security. A set of ability and risk factors were modelled via structural equation model (SEM) as the antecedents of the benefit and cost of adopting the mobile banking system. The results showed that the empirical data supported most hypothesised relationships among the factors. It is concluded that consumers' new technology adoption behaviour is a complicated phenomenon which may require different models in different product contexts. It is suggested that future research should address the issue of the preconditions and product contexts under which a certain class of models may be most suitable to explain the adoption behaviour.