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.     

Understanding factors affecting trust in and satisfaction with mobile banking in Korea: A modified DeLone and McLean’s model perspective

As mobile technology has developed, mobile banking has become accepted as part of daily life. Although many studies have been conducted to assess users’ satisfaction with mobile applications, none has focused on the ways in which the three quality factors associated with mobile banking – system quality, information quality and interface design quality – affect consumers’ trust and satisfaction. Our proposed research model, based on DeLone and McLean’s model, assesses how these three external quality factors can impact satisfaction and trust. We collected 276 valid questionnaires from mobile banking customers, then analyzed them using structural equation modeling. Our results show that system quality and information quality significantly influence customers’ trust and satisfaction, and that interface design quality does not. We present herein implications and suggestions for further research.     

Effect of trust on customer acceptance of Internet banking

Two beliefs, ease of use and usefulness, have been considered to be fundamental in determining the acceptance of various IS in the past decades. These beliefs may not, however, fully explain the users’ behavior in an emerging environment such as Internet banking. In this study, we introduce trust as another belief that has an impact on the acceptance of Internet banking. We collected 845 cases on the Web to survey users’ behavior towards Internet banks. The results of statistical analyses using structural equation modeling indicate that trust has a significant impact on the acceptance of Internet banking.     

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.     

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.     

Usability, quality, value and e-learning continuance decisions

Previous research suggests that an eventual information technology (IT) success depend on both its initial adoption (acceptance) and subsequent continued usage (continuance). Expectancy disconfirmation theory (EDT) has been successfully used to predict users’ intention to continue using information technologies. This study proposed a decomposed EDT model to examine cognitive beliefs and affect that influence users’ continuance decision in the context of e-learning service. The proposed model extended EDT by decomposing the perceived performance component into usability, quality, and value. Research hypotheses derived from this model are empirically validated using the responses to a survey on e-learning usage among 183 users. The results suggest that users’ continuance intention is determined by satisfaction, which in turn is jointly determined by perceived usability, perceived quality, perceived value, and usability disconfirmation.     

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.     

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.     

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.     

Design aesthetics leading to m-loyalty in mobile commerce

Researchers have previously examined the technology acceptance model (TAM) in many contexts, including the Internet. More recently TAM has been enhanced to include a hedonic component of enjoyment but the effect has rarely been investigated in a mobile commerce context. In addition, specific antecedents of TAM related to design aesthetics have not been examined within the mobile domain. Our research filled these gaps, and discovered that visual design aesthetics did significantly impact perceived usefulness, ease of use, and enjoyment, all of which ultimately influenced users’ loyalty intentions towards a mobile service.     

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.     

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.     

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.     

Exploring Chinese users’ acceptance of instant messaging using the theory of planned behavior,the technology acceptance model,and the flow theory

Instant messaging (IM) is a popular Internet application around the world. In China, the competition in the IM market is very intense and there are over 10 IM products available. We examine the intrinsic and extrinsic motivations that affect Chinese users’ acceptance of IM based on the theory of planned behavior (TPB), the technology acceptance model (TAM), and the flow theory. Results demonstrate that users’ perceived usefulness and perceived enjoyment significantly influence their attitude towards using IM, which in turn impacts their behavioral intention. Furthermore, perceived usefulness, users’ concentration, and two components of the theory of planned behavior (TPB): subjective norm and perceived behavioral control, also have significant impact on the behavioral intention. Users’ intention determines their actual usage behavior.     

Theory of planning behavior (TPB) and customer satisfaction in the continued use of e-service: An integrated model

This study has devoted much effort to developing an integrated model designed to predict and explain an individual’s continued use of online services based on the concepts of the expectation disconfirmation model and the theory of planned behavior. Empirical data was collected from a field survey of Cyber University System (CUS) users to verify the fit of the hypothetical model. The measurement model indicates the theoretical constructs have adequate reliability and validity while the structured equation model is illustrated as having a high model fit for empirical data. Study’s findings show that a customer’s behavioral intention towards e-service continuance is mainly determined by customer satisfaction and additionally affected by perceived usefulness and subjective norm. Generally speaking, the integrated model can fully reflect the spirit of the expectation disconfirmation model and take advantage of planned behavior theory. After consideration of the impact of systemic features, personal characteristics, and social influence on customer behavior, the integrated model had a better explanatory advantage than other EDM-based models proposed in prior research.     

Perceived usefulness,user involvement and behavioral intention: an empirical study of ERP implementation

Many firms have implemented enterprise resource planning (ERP) systems in the past few years. The expensive nature of these systems requires that effective usage of these systems be attained in order for an organization to derive the expected benefits from the technology. This study looks at the influence that perceived usefulness, user involvement, argument for change, prior usage and ease of use have on the behavioral intention to use an ERP system. A mail survey was used to collect data in an organization that was implementing an ERP system. A total of 571 responses were obtained. The results indicate that users perception of the perceived usefulness, ease of use of the technology, and the users’ level of intrinsic involvement all affect their intention to use the technology. The results seem to suggest that managerial efforts aimed at increasing the users’ perceptions of the usefulness and personal relevance of the technology will contribute to implementation success, where success is defined as effectual usage of the technology. The paper ends with possible extensions to this study.     

Customers’ perceptions and intention to adopt Internet banking: the moderation effect of computer self-efficacy

In the past, the conventional concentration of Internet banking (IB) research has been on technology development, but this is now shifting to user-focused research. It has been suggested that potential users of IB services in Malaysia may not adopt the system even if they are available, due to their perceptions of this application and their level of confidence in using it to solve their banking needs. This study therefore employs the extended technology acceptance model as the theoretical framework for assessing the influences of perceived usefulness, perceived ease of use, perceived reliability, and computer self-efficacy on IB adoption in Malaysia. This study scrutinizes the moderation effect of computer self-efficacy on perceptions–intention relationships. Based on data from a sample of 133 Internet-using bank customers collected through a field survey, it was found that perceived usefulness and perceived ease of use were strong determinants of behavioral intention to adopt IB, while perceived reliability has no direct relationship with intention. Computer self-efficacy significantly moderates the relationship of perceived usefulness and perceived ease of use with intention.     

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.     

Modeling users’ acceptance of mobile services

The success of mobile services adoption hinges on their ability to cover user needs and attract consumer interest. The extant literature focuses on understanding the factors that might affect consumers’ actual adoption of such services through their effect on behavioral intention; these studies are mostly based on behavioral intention theories, such as Technology Acceptance Model, Diffusion of Innovation and Unified Theory of Acceptance and Use of Technology. In this work, new theoretical constructs are combined with existing evidence in order to extend the Technology Acceptance Model (TAM) as it was initially established by Davis and later further enriched by other researchers. The proposed model includes behavioral intention, perceived usefulness, perceived ease of use, trust, innovativeness, relationship drivers, and functionality. Within this approach, relationship drivers introduce a marketing perspective to the original models of technology adoption by building emotional connections between the users and the mobile services. The hypothesized model is empirically tested using data collected from a survey on m-commerce consumers. Structural Equation Modelling (SEM) was used to evaluate the causal model and Confirmatory Factor Analysis (CFA) was performed to examine the reliability and validity of the measurement model. It is briefly concluded that behavioral intention is directly affected by perceived usefulness, innovativeness and relationship drivers; the findings provide interesting insights and useful hints to practitioners and researchers.     

潜在网络购物者与有经验者购买意愿比较研究*

感知风险和信任缺失被认为是阻碍网络购物发展的主要因素。以技术接受模型为理论基础,将感知风险和信任引入模型,把消费者分为潜在网络购物者和有经验网络购物者两大类,采用结构方程模型方法对影响我国消费者网络购物意愿的因素进行实证对比研究。实证结果表明：消费者感知网络购物有用性对其购买意愿的影响路径系数高于信任和风险因子对购买意愿的路径系数;感知风险对网络购买意愿有直接的负向影响;对于潜在消费者群体,信任显著影响其网络购物意愿,但对有购物经验的消费者群体信任却对网络购买意愿没有显著影响。