The effects of product-related,personal-related factors and attractiveness of alternatives on consumer adoption of NFC-based mobile payments

The rapid evolution of mobile technologies and the increasing diffusion of smartphones have given significant opportunities for innovative companies to create new payment solutions and offer value-added services to their customers. Near Field Communication (NFC) mobile payment has been emerging as a noticeable phenomenon that can enable consumers to turn their smartphones into digital wallets. Although there has been a lot of coverage on consumer acceptance of mobile payments, there are only few researches providing guideline to interpret NFC-based mobile payments adoption.Taking into consideration of theoretical backgrounds of innovation diffusion and specific characteristics of NFC mobile payments, this study proposes a research framework to provide a profound understanding of factors facilitating or impeding the adoption of NFC-based mobile payments among Taiwanese consumers. The results revealed that intention to adopt NFC mobile payments is affected by most of product-related factors, personal-related factors and attractiveness of alternatives.This paper is able to advance literature on innovation adoption and facilitate technology marketers in NFC mobile payments. It provides a useful guideline to help researchers investigate issues related to NFC mobile payments. It also brings some managerial implications by assisting relevant parties in NFC mobile payments ecosystem such as mobile network operators, card issuers, payment processing institutions, bank decision makers and merchants when devising their business strategies and marketing campaigns to facilitate NFC mobile payments.     

Acceptability of mobile stock trading application: A study of young investors in Malaysia

Mobile financial services have been adopted rapidly during the digitisation era. This study therefore aims to investigate the antecedents of mobile stock trading adoption among young investors. Using the structural equation modelling technique, this study develops an integrated theoretical framework from both the Technology Acceptance Model and Theory of Planned Behaviour using survey data from 373 young retail investors. The suggested model incorporates the six constructs of perceived risk, perceived benefits, perceived usefulness, attitude, perceived behavioural control and social influence and assesses how they affect the intention to adopt mobile stock trading. The results show a strong positive connection among attitude, perceived behavioural control, perceived benefits and intention towards mobile stock trading. We find that trust adds great explanatory power to perceived behavioural control, attitude and social influence in explaining investors’ adoption intention. Surprisingly, perceived risk is not significantly correlated with adoption intention. This study has employed a comprehensive framework to understand the acceptance level of mobile stock trading.     

The disruptive mobile wallet in the hospitality industry: An extended mobile technology acceptance model

Given that the mobile wallet has become a disruptive innovation, especially in the Malaysian hospitality industry, this study investigates the adoption of mobile wallet in the hospitality industry among consumers. Different from the extant literature, this study extends the newly proposed mobile technology acceptance model with self-efficacy theory, critical mass theory, and flow theory to explain the behavioural intention to adopt. A self-administered questionnaire was utilised to collect data from mobile wallet users who have used a mobile wallet while dining out in restaurants and cafes. Other than technology self-efficacy and perceived critical mass, mobile usefulness, mobile ease of use, mobile self-efficacy, and perceived enjoyment were discovered to have a positive and significant association with the behavioural intention to adopt mobile wallet in the hospitality industry. The findings also suggested there were interrelationships between the constructs employed. Overall, the extended model was able to explain 61% of the variance in behavioural intention to adopt mobile wallet.     

Factors that influence users’ adoption intention of mobile health: a structural equation modeling approach

Mobile health represents the future trend of health care due to its great potential in improving health care efficiency, accessibility and quality. It is particularly beneficial for chronic disease patients who require long-term and regular services. To improve the products, mobile health developers need to understand patient needs, values and preferences, and assess the key factors that influence their mobile health adoption intentions. This study focuses on identifying the influential factors of patients’ adoption intention of m-Health. A structural equation model is constructed, and the confirmatory factor analysis and standard path coefficient are used to explore the key factors in chronic disease patients’ adoption process of m-Health. The results show that perceived usefulness and perceived ease of use have the strongest positive effect on patients’ adoption intention. Meanwhile, subjective norm, existing degree of satisfaction, network effect, and cost factor also influence adoption intention. Finally, the House of Quality method is used to examine the relative importance of various properties of m-Health. The Teoriya Resheniya Izobreatatelskikh Zadatch method is applied to resolve the contradictions between these properties. Our study offers important insights for mobile health developers on how to optimally design a product, thereby increasing users’ adoption intention and overall satisfaction.     

Barriers in adoption of internet banking: A structural equation modeling - Neural network approach

Comparatively, less attention has been paid to the factors that obstruct consumers to use internet banking. Therefore, this study aims to analyze the barriers in the adoption of Internet banking in Karachi, Pakistan. A survey research questionnaire was adopted and, in total, 300 useable responses were used from the banks’ customers. First exploratory factor analysis (EFA) and confirmatory factor analysis (CFA) were applied for the establishment of measurement model and structural equation modeling (SEM) was used to find the significant influence barriers on Internet banking adoption. In the second phase, the neural network model was used to rank the relative influence of significant predictors obtained from SEM. The results indicate a significant positive relationship between value barrier, risk barrier, and image barrier with the usage of Internet banking. Only, the traditional barrier has a negative insignificant effect on the usage of Internet banking. The image barrier has a higher impact on usage of Internet banking followed by the value barrier and risk barrier. Results also indicate that males are facing high barriers in comparison with females. Findings provide guidelines to banks for developing facilities that enable the consumer to use Internet banking for their financial transactions. This study will be highly beneficial for the banking industry to improve their online services and revise their policies to facilitate consumers by meeting their needs.     

The dimensions of trust:An investigation of mobile payment services in Taiwan

PurposeThis study aims to introduce the dimensions of mobile payment services trust from the perspectives of trust transfer as well as the unified theory of acceptance and use of technology 2 (UTAUT2). We established an integrated model to understand the formation and dimensions of mobile payment trust and continuous usage intention in Taiwan.Design/methodology/approach– An integrated model is proposed and validated with an online questionnaire survey in Taiwan. Furthermore, SmartPLS is employed to validate the proposed model and hypotheses.Findings-The results found upon analyzing responses from 683 participants reveal that the significant antecedents of overall trust include trust in mobile payment service providers, mobile devices, and merchants (R² = 75%). Furthermore, overall trust has significant effects on performance and effort expectancies with regard to mobile payment. Finally, the determinants of continuous usage intention include overall trust, performance expectancy, effort expectancy, facilitating conditions, hedonic motivation, habit, and perceived value (R² = 85%).Originality-“Trust” of mobile payment is a common concern for developing mobile payment. However, the literature review conducted for this study unearth different perspectives on studying the “dimensions” of trust in previous mobile payment research studies. Besides, many studies consider trust as a generic term as opposed to studying its specific dimensions. This study attempts to fill the above research gaps to facilitate further understanding of the proposed topic. Therefore, the main contribution of this study is to analyze the multiple dimensions and formations of trust in the context of mobile payment.     

A new reality: Exploring continuance intention to use mobile augmented reality for entertainment purposes

Augmented Reality (AR) is a technology that combines virtual objects with the real world. In recent years, the rapid development of smartphones has provided a suitable environment for AR technology. This study aims to explore the continuance intention to utilize AR mobile entertainment applications, using the decomposed theory of planned behavior. The research hypotheses were verified using structural equation modeling, which revealed that: (1) telepresence, perceived mobility, perceived enjoyment, and perceived connectedness exert a positive effect on users' attitude toward AR mobile apps; nostalgia is the only factor not to do so; (2) perceived critical mass has a significant positive impact on subjective norms, whereas peer influence does not; (3) self-efficacy has a significant positive influence on perceived behavioral control but facilitating conditions does not; and (4) users' attitude, subjective norms, and perceived behavioral control all have significant positive impacts on users’ intention to continue to use the technology.     

Understanding the use of mobile banking in rural areas of Brazil

The main purpose of this study is to analyze the adoption of mobile banking by farmers and some of its potential determining factors. Our sample comprises 115 complete questionnaires answered through the paper-and-pencil method. The respondents are farmers who have properties located close to 20 different cities in Brazil, specifically in the state of Minas Gerais. We employed the confirmatory factor analysis to evaluate the constructs and the structural equation modeling to test the study hypotheses. The main results indicate that perceived ease of use, perceived usefulness, and trust are the main constructs related to the use of mobile banking by the farmers who answered the questionnaire. However, the relationship between social influence and the use of mobile banking was negative. This result is opposite to the one usually found in the literature. This research contributes to expand the understanding about the benefits of information technology to the financial routine of farmers, since they operate in a relevant economic sector in Brazil.     

Research on the use of digital finance and the adoption of green control techniques by family farms in China

Green control techniques are conducive to ensuring the quality and safety of agricultural products, the ecological environment and agricultural production in China, while the credit constraints of traditional financial services make it difficult for them to be successfully promoted. However, the differences between digital financial services and traditional financial services have not been considered in the existing research, and the impact of digital financial use on farmers ‘adoption of green control techniques is rarely discussed from a micro perspective. Taking 441 family farms in Shandong and Henna provinces as an example, this paper adopts the mediating effect model to investigate the influence and mechanism of digital finance on the adoption of green control techniques in family farms and addresses possible endogeneity problems with the help of the instrumental variable method. It is found that the use of digital finance has a positive impact not only on the adoption of green control techniques in family farms but also on the adoption of green control techniques in family farms through three transmission mechanisms: improving credit availability, promoting information acquisition and enhancing social trust. This approach not only helps enrich the research on digital finance and clarify the differences between digital financial services and traditional financial services but also provides theoretical support for making full use of the development opportunity of digital finance to promote farmers to adopt green control techniques and ultimately achieve sustainable agricultural development.     

Security factors on the intention to use mobile banking applications in the UK older generation (55+). A mixed-method study using modified UTAUT and MTAM - with perceived cyber security,risk, and trust

The convenience and accessibility of mobile banking applications has resulted in this becoming the preferred method of banking in the UK. Although popular amongst a younger generation, uptake is significantly lower among the older generation of those aged 55+, with some attributing this to cyber security and privacy concerns.This study proposes a model that can be used to measure the influence of cyber security factors on intention to use mobile banking applications, in the UK 55+. The unified theory of acceptance and use of technology (UTAUT) model was modified to include perceived cyber security risk, perceived cyber security trust, and perceived overall cyber security. Unlike similar studies which have been solely quantitative, this research brings further insight using a mixed-methods approach which harnesses both qualitative and quantitative data.The research model was tested using partial-least-squares structural equation modelling on coded questionnaire data, collected from 191 participants. Qualitative data was analysed through a thematic analysis. Both sets of data were analysed using a final convergent mixed-method. The results show that performance expectancy followed by perceived cyber security risk are the main determinants of intention to use mobile banking applications in the UK 55+.     

Exploring behavioural intentions toward smart healthcare services among medical practitioners: a technology transfer perspective

Recently, a variety of artificial intelligence (AI)-driven smart healthcare services are rapidly emerging in the medical market, such as intelligent image analysis, surgical navigation systems, and aided diagnosis. However, one of the major challenges is practitioners’ hesitation and unwillingness to employ these new technologies in medical practice. This study focuses on identifying the influential factors of adoption intention of smart healthcare services for both clinicians and non-clinicians from the perspective of technology transfer. Through collecting 484 questionnaire data from doctors in Anhui, China, we find support to show that perceived usefulness (PU), attitude, and the experience of using mHealth are key factors that influence both clinicians and non-clinician’s adoption intention. Meanwhile, it is confirmed that subjective norm has a positive effect on only clinicians’ behavioural intention (BI) while perceived risk (PR) has a negative impact on only non-clinicians’ attitude. Among all the constructs, the experience of using mHealth has the strongest positive effect on doctors’ adoption intention on smart healthcare services, a positive impact on the PU and perceived ease of use, and a negative impact on the PR. This study provides an improved understanding of doctors’ BI of smart healthcare services, and practice guidance for product development and marketing strategies.     

Factors influencing the purchase intention of consumers towards remanufactured products: a systematic review and meta-analysis

Rapid growth in end-of-use and end-of-life products and their current unsustainable disposal methods are the cause of worries among the researchers and academicians across the globe. For that, remanufacturing is emerging as a viable option for sustainable production. Moreover, acceptance of remanufactured products by the consumers is highly essential for the success of the circular economy. Therefore, a study of the purchase intention of the consumers towards remanufactured products becomes inevitable. Here, our research uses meta-analysis to statistically synthesise and analyze the factors relevant to the purchase intention of the remanufactured products. Based on the published literature a total of ten studies are found suitable for the meta-analysis. The result shows that purchase intention of consumers is positively and strongly influenced by attitude and subjective norm, whereas it is moderately influenced by perceived green benefits and perceived behaviour control. In addition, meta-analysis supports the negative relationship between perceived risk and purchase intention. The findings also suggest that consumers who purchase remanufactured electrical and electronics products are less environmentally conscious than consumers who purchase remanufactured automotive products. Further, authors have discussed the managerial implications of the factors which influence the purchase intention of the consumers towards remanufactured products.     

Antecedents of trust in using social media for E-government services: An empirical study in Pakistan

Trust is a major concern that develops citizens' willingness to use social media as a technology platform for e-government services. However, despite its importance, there is lack of prior investigation about the factors that can generate citizens' trust to use such services, particularly in a developing country like Pakistan. To address this research gap, this study aims to develop a model that identifies antecedents of citizens' trust to use social media for e-government services. A total of 615 responses were collected from Pakistani citizens having familiarity with e-government and social media services. Partial least squares (PLS-SEM) method was employed to test the proposed relationships in the model. The findings show a significant relationship of trust with citizens intention to use government social media services. Information quality, structural assurances, perceived security, perceived privacy and perceived ease of use are identified as antecedents of trust. The proposed model of this study explains 56.4% of the variance in trust. The implications, limitations and suggestions for future research have also been discussed. These findings can assist government organizations and policy makers in making decisions to increase citizens participation by facilitating their trust on social media-based services of e-government.     

Behavioral intention towards mobile learning in Taiwan,China, Indonesia,and Vietnam

The factors that influence students' attitudes towards mobile learning (ML) is an intriguing topic. Though previous studies have examined the determinants influencing the acceptance of ML, few studies have investigated the influences of different cross-cultural factors on ML acceptance in higher education. When students from various countries participate in class, it is very important to address and improve the learning experiences of cross-cultural students. To elucidate this issue, this study proposes a conceptual model and theoretical framework through the theory of planned behavior (TPB) by incorporating diverse constructs to examine the influences of cross-cultural students' attitudes toward ML. Moreover, the following issues must be addressed: (1) examining cross-cultural ML problems within cross-cultural perspectives in a culturally sensitive manner, and (2) identifying the similarities and differences in cross-cultural students' behavioral intentions (BI) when influenced by attitude (ATT), subjective norm (SN), and perceived behavior control (PBC). Data were collected using an online survey from 947 respondents in Taiwan, Vietnam, Indonesia, and China. Our results show that BI towards the adoption of ML was influenced by ATT, SN, and PBC among the Taiwanese, Chinese, Indonesian, and Vietnamese undergraduate students. In addition, PBC was a significant predictor for students in Taiwan and Vietnam but was not a significant predictor for students in China and Indonesia. On the contrary, SN was significant in China and Indonesia but not in Taiwan and Vietnam. These findings showed a weaker relationship with SN in both China and Indonesia. Overall, our proposed model has reached an acceptable level. As a result, 82.3% and 81.2% acceptance levels were found for Taiwan and Vietnam, respectively, indicating that these students exhibit PBC-orientated distinguishing characteristics. This implies that students in Taiwan and Vietnam seem to be have more confidence in their ability to accept and perform a specific task for ML. Meanwhile, it is interesting to note that the 77.3% and 80.2% acceptance levels for China and Indonesia, respectively, indicate that these students also have SN-orientated distinguishing characteristics. The findings imply that students tend to follow other students’ decisions to use or not use ML. These findings are expected to facilitate decision makers and service providers in formulating appropriate strategies to improve the uptake of ML activities. Furthermore, these findings can help us understand the issues facing ML adoption in different cultural settings and contribute to the design and adequate provisions of ML programs.     

Investigating acceptance of telemedicine services through an extended technology acceptance model (TAM)

BackgroundDeveloping countries around the globe are striving continuously to provide free access to health care services. Telemedicine services represent a significantly increasing form of an adequate health care delivery mechanism in developing countries.Research objectiveThis research study was aimed at investigating the factors influencing the acceptance of telemedicine services among the rural population of Pakistan. Technology Acceptance Model (TAM) was used as a theoretical framework for this research, with the inclusion of several other antecedents.Research methodA face-to-face survey method was used to collect research data from 275 participants. The data were analyzed using Partial Least Squares (PLS) method.ResultsThe findings suggest that usage intention of telemedicine services is a function of perceived ease of use, technological anxiety, social influence, perceived ease of usefulness, trust, facilitating conditions, perceived risk, and resistance to technology.ConclusionsThis research study confirms the applicability of TAM with the inclusion of additional variables to model the adoption of telemedicine services in developing countries. The study offers valuable information for policymakers and health service providers for understanding the facilitators and inhibitors influencing the large scale implementation of telemedicine services. The research findings regarding factors including perceived risk, trust, facilitating conditions and resistance to change can aid in the design and adequate provision of telemedicine services in developing countries.     

Drivers and inhibitors for digital payment adoption using the Cashless Society Readiness-Adoption model in Malaysia

The paper investigated the relationship between readiness towards a cashless society and adoption of cashless applications among Malaysians. Specifically, drivers and inhibitors were explored and examined to assess their direct and indirect effects through the development of the Cashless Society Readiness-Adoption model. The model was developed based on Unified Theory of Acceptance and Use of Technology 2 and Technology Readiness Index 2.0. Self-administered surveys were administered in online and offline modes, resulting in 258 valid responses (M_age = 34.5; SD_age = 7.82). Structured equation modelling revealed Ease of Use, Usefulness, Innovativeness, Optimism and Lack of awareness to directly affect users’ readiness in going cashless. Interestingly, perceived readiness had no direct effect in the adoption of digital payment services, however, the effect was found to be significant with the inclusion of risk and intrinsic motivation as the mediating factors. Similarities and dissimilarities with existing studies are discussed in this paper. Results would be beneficial to respective parties such as service providers, financial institutions and government agencies to develop and design strategies to encourage more people to embrace digital payment services effectively.     

Determinants of consumers’ continuance intention to use social recommender systems: A self-regulation perspective

Social recommender systems have transformed how consumers seek product- or service-related information. Based on Bagozzi's self-regulation framework, this study examines the determinants of consumers' continuance intention to use social recommender systems. We found that appraisal factors (perceived information quality and perceived system quality) are strong predictors of emotional reaction (recommendation satisfaction and trust in recommendation). Particularly, perceived information quality has a significant effect on both recommendation satisfaction and trust in recommendation. However, the positive effect of perceived system quality is only on recommendation satisfaction. Both recommendation satisfaction and trust in recommendation positively affect consumers' continuance intention to use social recommender systems.     

Understanding the attitude and intention to use smartphone chatbots for shopping

Using the technology acceptance model and diffusion of innovations theory, this study evaluated the intention of consumers to use chatbots on smartphones for shopping. Chatbot is a relatively new technology and is expected to dominate mobile commerce and shopping applications in future. Hence, this study aimed to determine the association of perceived usefulness, perceived ease of use, perceived enjoyment, price consciousness, perceived risk, trust, and personal innovativeness with attitude and intention to use chatbots for shopping. Respondents were asked to fill a questionnaire after using a Facebook e-commerce chatbot that was specifically created for this study. In total, 350 responses were analyzed using partial least squares structural equation modeling. Results indicated that attitude toward chatbots was considerably influenced by the variables perceived usefulness, perceived ease of use, perceived enjoyment, price consciousness, perceived risk, and personal innovativeness. However, intention to use was directly influenced only by trust, personal innovativeness, and attitude. Mediation analysis indicated that full mediation occurs through the attitude variable for most direct relationships. Moderation analysis by using age, gender, and prior experience with mobile shopping applications indicated considerable differences between the groups in terms of the strength of certain relationships and the mean responses between the variables.     

基于VAM的手机新闻智能推荐使用意愿研究

目的建立手机新闻智能推荐的用户使用意愿模型,研究用户对手机新闻智能推荐的感知要素,获取手机新闻智能推荐中影响用户使用意愿的感知价值关联度。方法基于用户感知价值理论与用户深度访谈调研,结合手机新闻智能推荐的特征分析,确立手机新闻智能推荐的感知价值维度为情感价值、功能价值、社会价值、信任价值、情境价值;基于价值接受模型建立手机新闻智能推荐的用户使用意愿模型与量表;通过实证调研与统计分析对使用意愿模型进行验证。结论手机新闻智能推荐用户使用意愿模型与假设成立,感知价值正向显著影响用户使用意愿,且5个价值维度均正向作用于感知价值,关联度从大到小依次为:功能价值、情境价值、社会价值、情感价值和信任价值。     

Why do people switch mobile payment service platforms? An empirical study in Taiwan

Although an increasing number of studies have recently investigated mobile payment service (MPS) platform user behaviours, the majority of these studies have focused on user adoption. However, user switching behaviour has been paid limited attention as yet. The current study investigates critical antecedents of user switching intention of MPS platform drawing on the perspective of the push-pull-mooring framework. The proposed model was empirically tested with 612 valid responses collected using on-line questionnaire survey in Taiwan. The results of this study revealed that user regret, alternative attractiveness, perceived complementarity of the alternative, and perceived network size of the alternative positively relate to user intention to switch. The most critical push effect driving MPS platform users to switch is user regret caused by dissatisfaction with system quality and information quality, especially in terms of system stability and visual attractiveness. In terms of pull effects, the improvement of alternative attractiveness and perceived network size of the alternative should be paid more attention, so thereby expanding their provision of complementary resources can be considered as an effective tactic. Furthermore, inertia is also negatively associated with user switching intention. Of all of the sources of inertia, uncertainty costs are a major crucial mooring effect. The performance of sunk costs still leaves much to be increased because of the insufficient user use and investment in the incumbent MPS platform. The findings will be helpful for MPS platform practitioners when fully comprehending users’ switching behaviour and formulating appropriate strategies to retain existing users while still attracting potential new users.