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

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

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.     

Do interorganisational relationships and knowledge-management practices enhance collaborative commerce adoption?

This research aims to investigate the contributions of interorganisational relationships and knowledge-management practices as predictors of collaborative commerce (c-commerce) adoption. A non-compensatory adoption decision process was modelled using a neural network approach to examine the predictors of c-commerce adoption. A survey was undertaken in 136 firms for this research. The results showed that both interorganisational relationships and knowledge-management processes played an important role in predicting the adoption of c-commerce. In particular, variables from interorganisational relationships such as trust, communication, collaboration, and information sharing are found to contribute strongly to the predictive power of the model when compared with knowledge-management processes. This study provides insights for firms that would like to improve their supply-chain collaboration through the implementation of c-commerce. The findings lead to an understanding of what attributes of interorganisational relationships and knowledge-management processes can contribute to the improved adoption of c-commerce in the supply chain. Unlike past adoption studies which have tended to focus on technology, and organisational and environmental factors, this research examined interorganisational relationships and knowledge-management processes which are increasingly gaining the attention of researchers and practitioners. This study has also extended the existing literature by examining a non-compensatory model for technology adoption.     

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.     

The impact of the IIRSA Road Infrastructure Programme on Amazonia

This paper demonstrates the judicial and organisational obstacles to environmental impact assessment (EIA) follow-up in Finland, and that attitudes and lack of knowledge have a role in the degradation of EIA follow-up in general. An overview is presented of the present Finnish legislation and practices concerning EIA follow-up in road projects. These are illustrated by a case study representing the ‘best practice’ in Finland so far. One of the main conclusions is that follow-up is not perceived as an essential part of EIA. Neither is it recognised as a tool to control the quality of EIA and to improve future assessments. In fact, EIA follow-up is not even required at the project level in the relevant Finnish legislation. Socio-economic impacts are often regarded as complicated, laborious and expensive to monitor at the project level. However, proponents and other key players might find follow-up useful if the subject was regulated and promoted properly.     

Developing a general extended UTAUT model for M-payment adoption

To determine the most frequent factors that extended the Unified Theory of Acceptance and Use of Technology (UTAUT) in the context of Mobile payment (M-payment) adoption, a quantitative meta-analysis approach of 25 studies was undertaken. The results indicated that perceived risk, perceived trust, perceived cost, and self-efficacy were the most frequent factors that achieved significant results in the surveyed studies. Accordingly, this study is an attempt to extend the UTAUT model with these factors; proposing a general extended UTAUT model for M-payment adoption. The proposed model is validated using the partial least squares-structural equation modeling (PLS-SEM) approach. The data were collected from a total of 436 M-payment users in Oman. The results indicated that the best predictor of M-payment users’ intention to use the M-payment system is performance expectancy, followed by social influence, effort expectancy, perceived trust, perceived cost, and self-efficacy, respectively. Nonetheless, perceived risk was found to have an insignificant negative impact on the behavioral intention to use M-payment systems. The conclusions derived from this study enhance the understanding of the factors determining the adoption of M-payment systems in Oman.     

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.     

Hybrid BWM-ELECTRE-based decision framework for effective offshore outsourcing adoption: a case study

The present study seeks to develop a decision framework of enabler to help managers in offshore outsourcing adoption by focusing on the relevant enablers and their intensities. A hybrid Best Worst Method (BWM) – ELimination and Choice Expressing REality approach is used to test the applicability of developed offshore outsourcing focused enabler’s across four automotive business organisations in India and the adoption score of framework among case organisations is evaluated too. The intensity of offshore outsourcing focused enablers is analysed through BWM and the ranking of organisations and adoption index scores are computed through ELimination and Choice Expressing REality method. The developed framework possesses high adoption rate in offshore outsourcing initiatives across the case organisations. Findings of the study reveal that among the main enablers; managerial and strategic enabler holds the highest weight followed by technological enablers and organisational enablers. This study further presents the sensitivity analysis to check the robustness of developed framework by conducting experiments in different conditions. This research work will facilitate managers and professionals involved in practising offshore outscoring initiatives and results in higher cost advantages on labour and raw material, increased economies of scale, and higher sustainable business development.     

Social sustainable supplier evaluation and selection: a group decision-support approach

Organisational and managerial decisions are influenced by corporate sustainability pressures. Organisations need to consider economic, environmental and social sustainability dimensions in their decisions to become sustainable. Supply chain decisions play a distinct and critical role in organisational good and service outputs sustainability. Sustainable supplier selection influences the supply chain sustainability allowing many organisations to build competitive advantage. Within this context, the social sustainability dimension has received relatively minor investigation; with emphasis typically on economic and environmental sustainability. Neglecting social sustainability can have serious repercussions for organisational supply chains. This study proposes a social sustainability attribute decision framework to evaluate and select socially sustainable suppliers. A grey-based multi-criteria decision-support tool composed of the ‘best-worst method’ (BWM) and TODIM (TOmada de Decisão Interativa e Multicritério – in Portuguese ‘Interactive and Multicriteria Decision Making’) is introduced. A grey-BWM approach is used to determine social sustainability attribute weights, and a grey-TODIM method is utilised to rank suppliers. This process is completed in a group decision setting. A case study of an Iranian manufacturing company is used to exemplify the applicability and suitability of the proposed social sustainability decision framework. Managerial implications, limitations, and future research directions are introduced after the application of the model.     

Process improvement in humanitarian operations: an organisational theory perspective

Contingency theory suggests the best way to organise and lead an organisation, or to make decisions, depends upon internal and external situational factors, e.g. organisational size, operational scope and environmental uncertainty. Humanitarian organisations use various process management tools, including codes of conduct and standards. Large non-governmental organisations (NGOs) seem especially attracted to standards. The purpose of this paper is to advance our understanding of process improvement techniques, with a focus on standards, in use by humanitarian NGOs. Content analysis is the method employed in this study. A sample of humanitarian NGO annual reports and web pages is studied to describe the NGOs and determine their approaches to process improvement. The sample contains a mix of NGOs based on their location (France or Canada), organisational size and scope of operations (development aid, disaster relief, etc.). Contingency theory is useful in linking contingency factors to process improvement approaches. NGO size, operational scope and organisational culture factors are linked to use of standards. This is one of the first (if not the first study) to adopt contingency theory in an investigation of process improvement approaches among humanitarian NGOs. It focuses on a managerial issue of great relevance – process improvement in humanitarian operations.     

Adoption of unmanned aerial vehicles for pesticide application: Role of social network,resource endowment,and perceptions

Unmanned aerial vehicle technology is a promising alternative for sustainable agriculture production to more traditional technologies used in China. This paper considers factors affecting adoption of unmanned aerial vehicles for spraying pesticides among farmers in Jilin Province, China. Gender (male), percentage of income from agriculture, cultivated land area, within-family village leadership, number of borrowing channels, and positive attitudes towards the technology had a positive effect on adoption intention. Positive attitude toward traditional technology and higher income had a negative effect. Policy recommendations include continued work in improving access to rural financing, facilitating early adopters, and technology promotion.     

What advantages of blockchain affect its adoption in the elderly care industry? A study based on the technology–organisation–environment framework

Blockchain technology is considered a logical solution to the problems of security, privacy and trust in the collection, storage and sharing of data related to the elderly in the elderly care industry (ECI); however, its adoption in the ECI remains in its initial stage. To improve the efficiency of adopting this technology in the ECI and to facilitate decision-making by managers, this study combines the diffusion of innovation theory and the technology–organisation–environment framework models to study the factors affecting blockchain adoption intention in the ECI. In addition, the direct predictors of the relative advantages of blockchain technology in the ECI are explored. Through a questionnaire survey of 124 elderly care institutions in China, we collected 181 valid questionnaires and analysed them using a partial least squares regression structural equation model. The results show that relative advantage, corporate social responsibility, top management support and organisational readiness have a positive effect on blockchain adoption intention in the ECI, while the effects of complexity, government support and competitive pressure are insignificant. However, competitive pressure and government support can indirectly promote blockchain adoption intention by influencing top management support. Furthermore, technology trust and information security positively affect the relative advantages of blockchain technology and indirectly affect blockchain adoption intention, while privacy protection is insignificant.     

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.     

Adoption readiness in service innovation: the case of digital money

One challenge for firms seeking to develop new services is to understand the conditions likely to affect the rates of adoption. Understanding relative degrees of ‘adoption readiness’ provides innovators with information to choose market segments and indicates opportunities to influence adoption environments. However, there is a little research into the adoption readiness of countries upon which firms can base their new service development decisions. This paper considers these issues through the case of digital money, a service innovation some claim to have the potential to provide major economic and social benefits. Defined as ‘currency exchange by electronic means’, we conceptualise digital money as a socio-technical system, and propose a Digital Money Readiness Index. This composite index integrates institutional, financial, technological, economic, industrial and social attributes to measure adoption readiness. We identify four stages of readiness and systematically analyse the factors that drive under or over adoption of digital money technologies.     

Relationships between solid waste management performance and environmental practice adoption in Welsh small and medium-sized enterprises (SMEs)

For small and medium-sized manufacturing enterprises (SMEs), the determination of whether the adoption of environmentally supportive practices relates to good environmental performance has only been scarcely investigated. By using an empirical sample of 299 Welsh SMEs, this paper investigates just this issue. SMEs that have adopted five environmental practices and those that have not are compared as well as their environmental and economic performance using solid waste management activities. The results show that those organizations that have not adopted these practices perform better on environmental performance measures. The explanation, for what seems like a counterintuitive result, may be due to a reactive adoption of these practices to help mitigate poor performance on solid waste management practices. Additional insights and managerial implications are presented since these results will help identify methods to aid SMEs further in the adoption of environmentally supportive practices.     

Barriers to, and factors associated, with observed motorcycle helmet use in Vietnam

This study investigated barriers to, and factors associated with, observed motorcycle helmet use among motorcyclists in Hai Duong Province, Vietnam. The findings highlighted an array of factors associated with observed helmet use namely, support for universal helmet legislation and a positive attitude towards what might be perceived as negative attributes of helmet use such as inconvenience and discomfort in hot weather. As well, older age (greater than 25 years in age), riding on a compulsory road, being a driver, trips of greater than 10 km, higher levels of education (having a university degree and higher) were found to be key determinants of helmet use. Despite over 95% of motorcyclists disagreeing with the statement that wearing a helmet does not reduce the severity of head injury in a crash, most motorcyclists believed that helmets did not need to be worn for a short trip. Overall, only 23% of motorcyclists were observed wearing a helmet. The authors conclude that efforts to increase helmet use need to focus on the necessity for universal helmet legislation in association with identifying solutions to reduce the negative attitudes towards helmet use.     

Swimming between the flags: A preliminary exploration of the influences on Australians’ intentions to swim between the flags at patrolled beaches

Swimming at patrolled beaches reduces the likelihood of drownings and near-drownings. The present study tested the Theory of Planned Behaviour (TPB), with the addition of risk perceptions, in predicting people's intentions to swim between the flags at patrolled beaches. We examined also the predictors of people's willingness to swim [1] up to 10 m and [2] more than 10 m outside of the patrol flags. Participants (N = 526) completed measures of attitudes, subjective norm, perceived behavioural control (PBC), intentions/willingness, and both objective and subjective risk perceptions. Two weeks later, a sub-sample of participants reported on their beach swimming behaviour for the previous fortnight. Attitude and subjective norm predicted intentions to swim between and willingness to swim outside of the flags. Age and PBC influenced willingness to swim beyond the flags. Objective risk predicted willingness to swim beyond the flags (both distances) while subjective risk predicted willingness to swim up to 10 m outside the flags. People's intentions to swim between the flags were correlated with their behaviour at follow-up. This study provides a preliminary investigation into an important safety behaviour and identifies factors to target when promoting safe swimming behaviours to prevent drowning deaths on Australian beaches.     

Understanding the Blockchain technology adoption in supply chains-Indian context

Blockchain technology (BT) is expected to bring a revolutionary paradigm shift in the manner the transactions are carried in the supply chains. BT provides better visibility and transparency by removing the disadvantages of trust related issues in a supply chain. In this paper, we advance the literature on BT and its adoption in the supply chain by developing, and statistically validating a model for understanding the user perceptions on BT adoption. The model is based on the integration of three adoption theories- technology acceptance model (TAM), technology readiness index (TRI) and the theory of planned behaviour (TPB). Based on a survey of 181 supply chain practitioners in India the proposed model was tested using structural equation modelling. The study found that the TRI constructs- Insecurity and discomfort have an insignificant effect on the perceived ease of use and usefulness. Perceived usefulness, attitude, and perceived behavioural control affect the behavioural intention. Subjective norm has a negligible impact on behavioural intention. This is one of the preliminary studies on BT adoption in supply chain and the findings imply that the supply chain practitioners perceive BT adoption free of efforts and would help them to derive maximum benefits for improving the supply chain effectiveness.     

The determinants of virtual reality adoption for marine conservation

Initiatives for marine conservation are funded by revenue from marine sites. However, the emergence of COVID-19 has restricted travelling, thus leading to decreased revenue and weakening conservation efforts. Virtual reality technology to support marine conservation efforts is explored as it allows users to experience marine sites, without having to be there physically. This study examines factors influencing users' desire to adopt virtual reality technology in marine ecotourism. With the integration of Stimulus-Organism-Response framework and three behavioural theories (i.e. health belief model, attitude, and eTrust), a hypothetical model was constructed to investigate consumers’ intention to adopt virtual reality technology in marine ecotourism amidst the pandemic. The data were analysed and interpreted using structural equation modelling after 451 survey responses were obtained via an online questionnaire. Outcome expectation, perceived susceptibility, perceived severity, self-efficacy, and cues to action exhibit significant positive effects on attitude towards virtual reality technology in marine ecotourism. Consequently, attitude has a direct and indirect influence on use intention via eTrust. Post hoc analysis revealed that self-efficacy has a direct impact on eTrust and use intention. Total effect analysis further concluded that attitude has the greatest influence on use intention of virtual reality technology in marine ecotourism. This research contributes to the existing literature by utilizing health belief factors to explain use intention of technology towards marine conservation efforts. Recommendations including policy formulation and marketing initiatives were generated for marine ecotourism operators and policymakers.     

基于前景理论的移动商务价值链决策行为模拟

实例研究了在基于前景理论的移动商务价值链优化决策中,决策者面临收益表现出风险规避行为,面临损失表现出风险偏好行为,而期望效应理论下决策者的风险态度总是一致.通过改变参照点、惩罚和奖励强度这些外部决策环境约束变量,采用MATLAB进行了数据仿真,结果发现:决策者对待风险的态度会基于任务的难易程度发生改变,对有能力胜任的任...