Towards an understanding of the consumer acceptance of mobile wallet

This study seeks to validate a comprehensive model of consumer acceptance in the context of mobile payment. It uses the unified theory of acceptance and use of technology (UTAUT) model with constructs of security, trust, social influence, and self-efficacy. Structural equation modeling is used to construct a predictive model of attitudes toward the mobile wallet. Individuals’ responses to questions about attitude and intention to adopt/use a mobile wallet were collected and analyzed with various factors modified from UTAUT. While the model confirms the classical role of technology acceptance factors (i.e., perceived usefulness and ease of use are key antecedents to users’ attitude), the results also show that users’ attitudes and intentions are influenced by perceived security and trust. In the extended model, the moderating effects of demographics on the relations among the variables were found to be significant. The proposed model brings together extant research on mobile payment and provides an important cluster of antecedents to eventual technology acceptance via constructs of behavioral intention to use and actual system usage.     

An investigation of mobile learning readiness in higher education based on the theory of planned behavior

This study investigated the current state of college students' perceptions toward mobile learning in higher education. Mobile learning is a new form of learning utilizing the unique capabilities of mobile devices. Although mobile devices are ubiquitous on college campuses, student readiness for mobile learning has yet to be fully explored in the United States. The paper describes a conceptual model, based on the theory of planned behavior (TPB), which explains how college students' beliefs influence their intention to adopt mobile devices in their coursework. Structural equation modeling was used to analyze self-report data from 177 college students. The findings showed that the TPB explained college students' acceptance of m-learning reasonably well. More specifically, attitude, subjective norm, and behavioral control positively influenced their intention to adopt mobile learning. The results provide valuable implications for ways to increase college students' acceptance of mobile learning.     

Applying the Technology Acceptance Model to Social Networking Sites (SNS): Impact of Subjective Norm and Social Capital on the Acceptance of SNS

With their heavy traffic and technological capabilities, social networking sites (SNS) introduced a new means of building and maintaining perceived social capital. This study aims to identify underlying factors and causal relationships that affect behavioral intention to use SNS. For this purpose, this research developed an extended technology acceptance model, incorporating subjective norm and perceived social capital for predicting SNS acceptance and usage. Exploratory correlation and path analyses were conducted to identify the relationships between five constructs: perceived usefulness, perceived ease of use, subjective norm, perceived social capital, and intention to use. The results showed that perceived usefulness and perceived ease of use had robust effects on the user's intention to use SNS. The research findings also demonstrated that subjective norm and perceived social capital were significant predictors of both perceived usefulness and perceived ease of use and therefore should be considered as potential variables for extending the technology acceptance model.     

Factors driving the adoption of m-learning: An empirical study

Even if m-learning is spreading rapidly in many regions of the world, research addressing the driving factors of m-learning adoption is in short supply. Built on the Technology Acceptance Model, this paper proposes a hypothesized model of m-learning adoption. Employing structural equation modeling technology, the model was assessed based on the data collected from 230 participants using a survey questionnaire. Results indicate that perceived near-term/long-term usefulness and personal innovativeness have significant influence on m-learning adoption intention, while perceived long-term usefulness significantly affects the perceived near-term usefulness. Personal innovativeness is a predictor of both the perceived ease of use and perceived long-term usefulness as well. Of all variables, the perceived long-term usefulness contributes to the most influential predictor of m-learning adoption. The model accounts for approximately 60.8% of the variance of behavioural intention. The results indicted that offing high-quality contents complying with students’ future targets is key to the success of m-learning in China. Both theoretical and practical implications are discussed.     

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.     

Determinants of users’ intention to adopt m-commerce: an empirical analysis

The fast-growing penetration of mobile devices and recent advances in mobile technologies have led to the development of increasingly sophisticated services such as m-shopping for goods or services and m-payment. However, although the number of mobile subscribers is increasing, levels of actual m-commerce activities in many cases remain low. Determining what influences users’ intention to use m-commerce is therefore of growing importance. The purpose of this study was to investigate possible factors. To this aim, we developed a conceptual user adoption model based on technology acceptance model variables and on specific factors such as social influence, personal innovativeness, customization, and individual mobility. The empirical results show that social influence and customization significantly affect perceived usefulness; mobility, customization, and personal innovativeness significantly affect perceived ease of use; and perceived usefulness and perceived ease of use have a direct positive effect on behavioral intention.     

Factors propelling the adoption of m-learning among students in higher education

University students seem primed for mobile learning (m-learning) given their affinity with technology and the ubiquity of mobile computing devices on campuses. However such conditions do not necessarily guarantee their readiness for m-learning. For m-learning to thrive in higher education, it is crucial to understand the factors propelling its adoption. Accordingly this study uncovers factors that drive the adoption of m-learning among university students. Using a mobile learning readiness model based on the Theory of Planned Behavior, data was collected from 900 undergraduates in a local, public university in Malaysia. Partial least squares analysis revealed that all three constructs of attitude, subjective norm and perceived behavioral control significantly influenced students’ intention to adopt m-learning. These three constructs were significantly predetermined by their respective external beliefs components. In fostering m-learning adoption among students, more emphasis should be expended to capitalize on subjective norm and improve perceived behavioral control.     

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 the adoption of mobile financial services: The impacts of perceived mobility and personal habit

Mobile financial services (MFS) have become a critical issue in the financial sectors. An expanding application of mobile commerce, MFS play an important role in managing customer relationships. Thus, we proposed a model that incorporates three external variables—perceived enjoyment, perceived mobility, and personal habit—into the technology acceptance model (TAM) to assess the antecedents that influence continued usage intention in MFS. In addition, we examined the moderating effect of gender on customer relationships. Structural equation modeling was used, and 368 MFS users were investigated. The findings revealed that perceived mobility, personal habit, perceived usefulness, and perceived ease of use are the major antecedents that influence continued usage intention in MFS. However, perceived enjoyment is not significantly associated with intention. Moreover, gender moderates the relationships between the variables in the proposed model. Perceived mobility affecting usage intention will be stronger for men than for women, whereas personal habit affecting usage intention will be stronger for women than for men.     

The Effects of Social Influence on User Acceptance of Online Social Networks

With the proliferation of online social networks, understanding how and why individuals adopt and use these networks can help managers and marketers to design better methods and approaches toward engaging their users. The purpose of this study is to investigate the determinants of user acceptance of online social networks, with particular attention given to the effects of social influence. A research model was developed by incorporating two variables of social influence, subjective norm and critical mass, into an enhanced version of the Technology Acceptance Model, specifically to address issues related to online social networks. The model was empirically evaluated using survey data collected from 269 subjects about their perceptions of online social networks. The results reveal that both subjective norm and critical mass significantly affect perceived usefulness, which further affects users' usage intention, and perceived ease of use affects the usage intention indirectly through perceived usefulness. The implications of this study on theory and practice are discussed.     

Integrating TTF and UTAUT to explain mobile banking user adoption

Due to its advantages such as ubiquity and immediacy, mobile banking has attracted traditional banks’ interests. However, a survey report showed that user adoption of mobile banking was much lower than that of other mobile services. The extant research focuses on explaining user adoption from technology perceptions such as perceived usefulness, perceived ease of use, interactivity, and relative advantage. However, users’ adoption is determined not only by their perception of the technology but also by the task technology fit. In other words, even though a technology may be perceived as being advanced, if it does not fit users’ task requirements, they may not adopt it. By integrating the task technology fit (TTF) model and the unified theory of acceptance and usage of technology (UTAUT), this research proposes a mobile banking user adoption model. We found that performance expectancy, task technology fit, social influence, and facilitating conditions have significant effects on user adoption. In addition, we also found a significant effect of task technology fit on performance expectancy.     

Knowledge-sharing motivations affecting R&D employees' acceptance of electronic knowledge repository

Why would R&D employees be willing to use an electronic knowledge repository (EKR) for knowledge-sharing? This study integrates a technology acceptance model (TAM) to investigate the influence of extrinsic and intrinsic motivations on R&D employees' acceptance of an EKR for knowledge-sharing. Empirical data were collected through a survey, which gathered data from 225 employees working in 10 organisations in Taiwan. The results indicated that (1) reputation and reciprocity were found to be two important antecedents to perceived usefulness and perceived ease of use; (2) altruism was also found to be an important antecedent to perceived ease of use; (3) reputation was the most influential factor of perceived usefulness, and another influential factor of perceived usefulness was reciprocity. Three knowledge-sharing motivations that significantly affect the perceived ease of use were listed as reciprocity, altruism, and reputation, according to the relative importance; (4) altruism plays an important role in explaining the EKR usage intentions for knowledge-sharing both directly and indirectly; and (5) the results were consistent with the propositions of TAM. This study contributes theoretically and empirically to the body of EKR usage research and also has practical implications.     

The Role of Organizational and Individual Characteristics in Technology Acceptance

The roles that users' individual and organizational characteristics play in technology acceptance were examined. Perceived work group characteristics was considered an organizational characteristic; attitude toward change and job stress were considered individual characteristics. User satisfaction with system characteristics was considered a consequence of technology acceptance. Data were collected from a sample of 236 Korean expatriates in information technology (IT) industries who were assigned to work in the United States. Perceived work group characteristics, attitude toward change, and job stress were related to one of the technology acceptance variables, perceived ease of use of the IT system. Ease of use was, in turn, related to perceived usefulness of the IT system, the other technology acceptance variable. Both perceived ease of use and usefulness were related to user satisfaction.     

Exploring factors affecting Chinese consumers' usage of short message service for personal communication

Abstract. Short message service (SMS) is very popular in China. While many reports indicate that the SMS market has great potential, little is known about why people adopt SMS. This study uses the technology acceptance model and network externalities to examine the factors influencing the adoption of SMS for personal communication in China. Using data collected from 262 mobile phone users, we find that perceived usefulness, perceived enjoyment and perceived service cost affect SMS use. Perceived network externalities also contribute to higher perceived usefulness and perceived ease of use and affect SMS adoption. The results provide insight to SMS marketing strategies.     

Explaining physicians’ acceptance of EHCR systems: An extension of TAM with trust and risk factors

This paper explains physicians’ acceptance, in terms of usage intentions, of a central component of health information technology: electronic health care records (EHCR systems). For this purpose, the original version of the Technology Acceptance Model (TAM), which included perceived usefulness, perceived ease of use, attitude towards usage, and usage intentions, is extended with trust and risk-related factors such as physicians’ perceptions of institutional trust, perceived risk, and information integrity. The results stress the special importance of attitudinal factors (attitude towards usage and perceived institutional trust) and cognitive instrumental processes (mainly, usefulness perceptions) in determining physicians’ intention to use EHCR systems. Perceptions of institutional trust exerted strong direct effects on physicians’ perceived usefulness, perceived ease of use, and attitude towards the use of EHCR systems. In addition, trust fully mediated the influences of perceived risk and information integrity perceptions on physicians’ acceptance of EHCR systems.     

Acceptance of Internet-based learning medium: the role of extrinsic and intrinsic motivation

This study is one of the few attempts to investigate students’ acceptance of an Internet-based learning medium (ILM). By integrating a motivational perspective into the technology acceptance model, our model captured both extrinsic (perceived usefulness and ease of use) and intrinsic (perceived enjoyment) motivators for explaining students’ intention to use the new learning medium. Data collected from 544 undergraduate students were examined through the LISREL VIII framework. The results showed that both perceived usefulness and perceived enjoyment significantly and directly impacted their intention to use ILM. Surprisingly, perceive ease of use did not posit a significant impact on student attitude or intention towards ILM usage. Implications of this study are important for both researchers and practitioners.     

Empirical examination of the adoption of WebCT using TAM

Web Course Tools (WebCT) have enhanced the ability and motivation of institutes of higher education to support e-learning. In this study, we extended the Technology Acceptance Model to include technical support as a precursor and then investigated the role of the extended model in user acceptance of WebCT. Responses from 836 university students were used to test the proposed structural model. The data showed that technical support has a significant direct effect on perceived ease of use and usefulness, while perceived ease of use and usefulness are the dominant factors affecting the attitude of students using WebCT. The results indicate the importance of perceived ease of use and perceived usefulness in mediating the relationship of technical support with attitude and WebCT usage.     

Examining influencing factors of post-adoption usage of mobile internet: Focus on the user perception of supplier-side attributes

Key supplier-side factors that affect the usage level of mobile Internet were identified and the procedural mechanism among the independent and dependent variables was investigated. For this, a research model was introduced to describe associations among four external variables (access quality, service variety, cost rationality, and ease of use), an intermediate variable (usefulness) and a dependent variable (the usage level of mobile Internet). Through the on-line survey, data were gathered from actual mobile Internet users. Confirmatory factor analysis and path analysis were applied to test the overall integrity of the research model and of proposed hypotheses. All four external variables affected user perceptions on the usefulness of mobile Internet. Among them, service variety and cost rationality had a relatively larger influence on perceived usefulness. Perceived usefulness of the mobile Internet had a positive effect on its usage, confirming the important role of usefulness as a significant mediator between the four external variables and the dependent variable. Meanwhile, the cost rationality was the only external variable with direct influence on the MI usage. Theoretical and practical implications of the study results are discussed.     

Factors affecting reposting behaviour using a mobile phone-based user-generated-content online community application among Chinese young adults

Mobile phone-based user-generated-content (UGC) online community applications have gained increasing popularity among young generations. However, factors that may affect usage behaviour regarding the applications are not fully investigated. In this study, we employed the Technology Acceptance Model as the basis to explore factors that are able to predict user reposting behaviour with the applications. University students (N?=?322) completed a self-reported questionnaire for measuring the studied constructs after they experienced a high-fidelity prototype of a mobile UGC online community application. Results from path analysis demonstrated that perceived usefulness and attitude towards usage were significant determinants of user reposting intention, with 23% of its variance explained. Perceived usefulness, perceived ease of use and information credibility directly predicted attitude towards usage and accounted for 45% of its variance. Perceived ease of use exerted influence on both perceived usefulness and information credibility. The findings can enhance our understanding of factors that contribute to user reposting behaviour and provide insight into design and implementation strategies to increase the likelihood of user intention to repost information using mobile UGC online community applications.     

Student engagement with mobile-based assessment systems: A survival analysis

Research on mobile-based assessment systems is still an emerging topic in the mobile learning field. Current research has demonstrated that the use of mobile-based assessment systems seems to have a positive impact on students' learning outcomes and motivation. The paper identifies some factors that influence student engagement with mobile-based formative assessment in a language learning course. Survival analysis of the interaction of N = 86 students from eight English as a Foreign Language (EFL) courses over 5 weeks showed that students with higher levels of self-reported effort and perceived importance engaged for longer periods of time. Perceived ease of use, perceived usefulness and behavioural intention to use were all predictors of the longer use of mobile-based assessment systems. We found that within the first 25–50 min of use, about half of the students might disengage from using a mobile-based assessment application.