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Investigating E-Wallet Adoption in India: Extending the TAM Model 调查电子钱包在印度的采用:扩展TAM模型
Pub Date : 2021-07-01 DOI: 10.4018/IJEBR.2021070103
Surabhi Singh, Sanchita Ghatak
This study aims to investigate the customer adoption of e-wallets in India. The paper further seeks to explore the significant relationships amongst the constructs of TAM in explaining consumer intention to use the digital wallet. The present study employs an extended TAM framework. The variables of the study are risk, cost, compatibility, usefulness, ease of use, behavioral intention to use, actual usage, etc. for exploring digital wallet usage intentions in Indian consumers. The sample considered was North Indian customers to understand their plan to use a mobile wallet. A standardized scale was used for the present study. The data was collected using a questionnaire with variables of external factors, perception, preference, and usage. Structured equation modeling has been was used to check the model fit of the proposed model, and path analysis revealed the correlations between the endogenous and exogenous variables of the study.
本研究旨在调查印度消费者对电子钱包的采用情况。本文进一步试图探索TAM结构之间的重要关系,以解释消费者使用数字钱包的意图。本研究采用扩展的TAM框架。研究变量为风险、成本、兼容性、有用性、易用性、行为使用意向、实际使用情况等,以探索印度消费者的数字钱包使用意向。考虑的样本是北印度的客户,以了解他们使用移动钱包的计划。本研究采用标准化量表。采用问卷调查的方式收集数据,问卷的变量包括外部因素、感知、偏好和使用情况。采用结构方程模型对模型进行拟合检验,通径分析揭示了研究的内源变量和外源变量之间的相关性。
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引用次数: 5
Factors Influencing Online Purchase Intention in Qatar 影响卡塔尔在线购买意愿的因素
Pub Date : 2021-07-01 DOI: 10.4018/IJEBR.2021070101
L. Al-kailani, E. Abu-Shanab
This study investigated the factors influencing consumers' purchase intention from online stores in Qatar. Moreover, it tried to verify if payment method moderates the relationships concerning the suggested factors and online purchase intention. This research extended the theory of reasoned behavior (TRA) with trust as a predictor and payment method as a moderator. A total of 283 valid responses were collected from Qatari residents through an online questionnaire and analyzed the data to test the research hypotheses. The findings of this research indicated that all proposed factors significantly influenced online purchase intention. Results also indicated that there is no moderation effect of payment method on the proposed hypotheses. Further investigations revealed that all proposed factors significantly affect the online purchase intention for customers who prefer to use credit card payment. Managerial implications and recommendations were presented in addition to the study limitations and suggestions for future research.
本研究调查了影响卡塔尔消费者在线商店购买意愿的因素。此外,它试图验证支付方式是否调节了建议因素与在线购买意愿之间的关系。本研究以信任为预测因子,支付方式为调节因子,拓展了理性行为理论。通过在线问卷收集卡塔尔居民共283份有效回复,并对数据进行分析以检验研究假设。本研究的结果显示,所有提出的因素都显著影响网上购买意愿。结果还表明,支付方式对所提出的假设没有调节作用。进一步调查发现,上述所有因素都显著影响了偏好使用信用卡支付的消费者的在线购买意愿。除了研究的局限性和对未来研究的建议外,还提出了管理意义和建议。
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引用次数: 4
Acceptance of Internet Banking in Tunisian Banks: Evidence From Modified UTAUT Model 突尼斯银行对互联网银行的接受:来自修改的UTAUT模型的证据
Pub Date : 2021-07-01 DOI: 10.4018/IJEBR.2021070102
Wadie Nasri
The purpose of this study is to examine the factors which affect internet banking adoption acceptance in Tunisian banks by using the modified unified theory of acceptance and use of technology (UTAUT) model by adding attitude, trust, perceived risk, and perceived internet banking services quality. The proposed model was empirically tested using survey data provided by 203 respondents and was analyzed using a structural equation model (SEM). The analysis results indicated that performance expectancy, attitude, facilitating conditions, social influence, and perceived internet banking services quality show a significant positive impact on the users' behavioural intention to use internet banking services. This study contributes to the literature by providing a new research model for understanding internet banking adoption in Tunisia, and its findings provide useful guidelines to develop strategies and to improve their services in order to increase the adoption of mobile banking by their customers.
本研究的目的是通过使用改进的接受和使用技术统一理论(UTAUT)模型,通过添加态度、信任、感知风险和感知互联网银行服务质量,来检验影响突尼斯银行采用互联网银行接受度的因素。利用203名被调查者提供的调查数据对所提出的模型进行实证检验,并使用结构方程模型(SEM)进行分析。分析结果表明,绩效预期、态度、便利条件、社会影响力和感知网上银行服务质量对用户使用网上银行服务的行为意愿有显著的正向影响。本研究为理解突尼斯的互联网银行采用提供了一个新的研究模型,从而为文献做出了贡献,其研究结果为制定战略和改善服务提供了有用的指导方针,以提高客户对移动银行的采用。
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引用次数: 3
The Acceptance and Behavior Towards E-Insurance 电子保险的接受与行为
Pub Date : 2021-04-01 DOI: 10.4018/IJEBR.2021040102
M. Toukabri, S. Ettis
The expansion of ICTs (information and communication technologies) and the intensification of competition have induced firms to sell online. Insurance companies, for instance, have been urged to rely on such new technologies to be able to strengthen their presence on the market. This research used the technology acceptance model (TAM) and the theory of planned behavior (TPB) to study the factors that influence the e-insurance adoption. This study gathers data through a face-to-face administered survey involving insured persons. The hypotheses and the model were tested using AMOS co-variance-based structural equation modeling. The findings showed that perceived ease of use, subjective norms, perceived behavioral control, and attitude are the predominant predictors of the intention to buy insurance online. Those findings provide decision-makers in insurance companies with information useful in designing online offerings, creating a positive attitude towards e-insurance, and attracting customers.
信息通信技术(ict)的发展和竞争的加剧促使企业在网上销售。例如,政府一直敦促保险公司依靠这些新技术来加强它们在市场上的存在。本研究运用技术接受模型(TAM)和计划行为理论(TPB)研究影响电子保险采用的因素。本研究以面对面的调查方式收集资料,调查对象为参保人。采用基于AMOS协方差的结构方程模型对假设和模型进行检验。调查结果显示,感知易用性、主观规范、感知行为控制和态度是在线购买保险意愿的主要预测因素。这些发现为保险公司的决策者提供了有用的信息,以设计在线产品,建立对电子保险的积极态度,并吸引客户。
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引用次数: 9
"Smart Home Sweet Smart Home": An Examination of Smart Home Acceptance “智能家居,甜蜜智能家居”:智能家居接受度调查
Pub Date : 2021-04-01 DOI: 10.4018/IJEBR.2021040101
D. Marikyan, S. Papagiannidis, E. Alamanos
Technology acceptance in private spaces has not received much attention, although users' behaviour may be different due to the space in which usage takes place. To address this gap, the present study proposed a model exploring individuals' values, users' perception of technology performance and attitudinal beliefs in relation to use behaviour and satisfaction when using smart technologies in their homes. The study employed a sample of 422 participants in the USA. Structural equation modelling was utilised to test the proposed hypotheses. The model provided robust results explaining factors underpinning the use of pervasive technology in private settings. Specifically, the study showed that hedonic and utilitarian beliefs are critical for the perception of task fit, whereas privacy and financial factors were found to be not significant. The fit between tasks and technology demonstrated a significant role in predicting perceived usefulness, perceived ease of use, use behaviour, and satisfaction. Lastly, use behaviour showed a positive correlation with satisfaction.
私人空间中的技术接受程度并没有受到太多关注,尽管用户的行为可能会因使用空间的不同而不同。为了解决这一差距,本研究提出了一个模型,探索个人价值观、用户对技术性能的感知以及在家中使用智能技术时与使用行为和满意度相关的态度信念。这项研究在美国招募了422名参与者。结构方程模型被用来检验提出的假设。该模型提供了强有力的结果,解释了支持在私人环境中使用普及技术的因素。具体来说,研究表明,享乐主义和功利主义信念对任务契合度的感知至关重要,而隐私和经济因素则不重要。任务和技术之间的契合度在预测感知有用性、感知易用性、使用行为和满意度方面发挥了重要作用。最后,使用行为与满意度呈正相关。
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引用次数: 17
A Resource-Based Technological View in the Adoption of an E-Procurement System: Evidence From Textile Sector SMEs 采用电子采购系统的资源基础技术视角:来自纺织行业中小企业的证据
Pub Date : 2021-04-01 DOI: 10.4018/IJEBR.2021040103
M. Naeem, Ahmed Hamed Abdullah Al Sulaimani, S. Anwar
The large organizations are more interested in adopting new technology because these organizations have more financial resources, human capital, technological competencies, employees, and organizational support. On the other hand, small- and medium-sized enterprises (SMEs) have more challenges with respect to suppliers, organizational contextual factors, technological competencies, and financial resources which negatively influence the adoption rate of e-procurement system. The present study aims to identify these challenges with the purpose to understand the adoption capabilities that can help SMEs to adopt e-procurement systems in the perspective of a developing country. To achieve this aim, the researcher data had gathered from the internal and external stakeholders of five SMEs of textile sector. Findings highlighted that SMEs are facing many challenges such as complexity and formalization, formal and informal linking structures, financial and strategic integration, industry characteristics, and technology infrastructure. The adoption of e-procurement systems can improve the employee abilities, motivation, opportunities, interconnectedness and system openness, inventory system, purchasing process, and organizational capabilities.
大型组织对采用新技术更感兴趣,因为这些组织拥有更多的财务资源、人力资本、技术能力、员工和组织支持。另一方面,中小型企业在供应商、组织背景因素、技术能力和财务资源方面面临更多挑战,这些因素对电子采购系统的采用率产生负面影响。本研究旨在确定这些挑战,以了解从发展中国家的角度来看,可以帮助中小企业采用电子采购系统的采用能力。为了实现这一目标,研究人员从五家纺织行业中小企业的内部和外部利益相关者那里收集了数据。研究结果强调,中小企业面临着许多挑战,如复杂性和正规化、正式和非正式的联系结构、金融和战略一体化、行业特征和技术基础设施。采用电子采购系统可以提高员工的能力、积极性、机会、互联性和系统开放性、库存系统、采购流程和组织能力。
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引用次数: 0
Prioritizing the Components of Online Environment to Assess Customer Experience: An Interpretive Structural Modeling Approach 在线环境组件的优先级评估客户体验:一种解释结构建模方法
Pub Date : 2021-04-01 DOI: 10.4018/IJEBR.2021040105
R. Garg, Vandana, Vinod Kumar
The present study aims to identify and prioritize the components of customer experience in online environment. The study employs Pareto analysis and interpretive structural modeling (ISM) to accomplish above-mentioned objective. Firstly, 36 components have been derived from extensively reviewed literature, and out of them, 15 were finalized as vital few variables having 80% influence in creating customer experience in online environment. To assess the impact of these 15 components, one outcome component ‘Customer Experience (Flow)' has been added. So, an ISM technique is applied on a total of 16 components of customer experience in online environment. The aim of this technique is to highlight the interrelationships among the components and to prioritize them. Further, the findings are strengthened by using MICMAC analysis. Results revealed that time distortion, skill, focused attention, interactivity, playfulness, start web, and involvement are found to have weak dependence powers but with strong driving powers. However, control, challenge, arousal, telepresence, flow, positive affect, and exploratory behavior were found to possess weak driving power and strong dependence power. The results of the present study carry implications for academicians and marketers handling online experience of their customers.
本研究旨在识别并优先考虑在线环境中客户体验的组成部分。本研究采用帕累托分析和解释结构模型(ISM)来实现上述目标。首先,从广泛审查的文献中得出36个组成部分,其中15个被最终确定为对在线环境中创建客户体验具有80%影响的重要少数变量。为了评估这15个组件的影响,增加了一个结果组件“客户体验(流程)”。因此,将ISM技术应用于在线环境中客户体验的16个组成部分。该技术的目的是突出组件之间的相互关系,并对它们进行优先排序。此外,使用MICMAC分析加强了研究结果。结果发现,时间扭曲、技能、注意力集中、互动性、游戏性、启动网络和参与性的依赖能力较弱,而驱动能力较强。控制行为、挑战行为、唤醒行为、临场表现行为、心流行为、积极情感行为和探索行为的驱动能力较弱,依赖能力较强。本研究的结果对学者和营销人员处理其客户的在线体验具有启示意义。
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引用次数: 0
Technology Acceptance Dynamics and Adoption of E-Payment Systems: Empirical Evidence From Jordan 技术接受动态和电子支付系统的采用:来自约旦的经验证据
Pub Date : 2021-04-01 DOI: 10.4018/IJEBR.2021040104
A. Al-Dmour, H. Al-dmour, Rawan Brghuthi, R. Al-Dmour
This study aimed to identify the main factors associated with consumers' intentions to adopt electronic payment systems (EPS) in Jordan. To achieve this objective, an integrated conceptual framework based on the technology acceptance model (TAM) and content analysis of the previous studies was developed. A quantitative approach using a convenience sample of 487 Jordanian banking customers was employed with the required data obtained via a survey questionnaire. The study findings indicated that all proposed factors (perceived usefulness, ease of use, security, self-efficacy, and trust) have statistically significant positive relationships with electronic payment adoption intention, with the explanation power of all examined factors reaching 49% (R Square=0.49). Perceived usefulness and ease of use were found to be the most important factors associated with the adoption of e-payment. However, education level was the only individual demographic variable with a significant relationship with adoption intention; age and gender were found to have only insignificant relationships.
本研究旨在确定与约旦消费者采用电子支付系统(EPS)意图相关的主要因素。为了实现这一目标,本文在技术接受模型(TAM)的基础上,结合前人研究的内容分析,构建了一个完整的概念框架。定量方法采用了487约旦银行客户的便利样本,并通过调查问卷获得了所需的数据。研究结果表明,所有提出的因素(感知有用性、易用性、安全性、自我效能和信任)与电子支付采用意愿有统计学显著的正相关关系,所有被检验因素的解释力达到49% (R平方=0.49)。人们认为有用性和易用性是采用电子支付的最重要因素。然而,教育水平是唯一与收养意愿有显著关系的个体人口统计学变量;年龄和性别之间的关系并不显著。
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引用次数: 3
Factors That Influence Customer Trust and Satisfaction in Mobile Banking: A Problematization Approach 影响手机银行客户信任和满意度的因素:一个问题化的方法
Pub Date : 2021-02-25 DOI: 10.4018/IJEBR.2021070105
Ahmed Geebren, Abdul Jabbar
Over the last decade, banks have significantly invested in mobile banking. While mobile banking research focuses increasingly on adoption and behavioural intention, and post-adoption behaviours such as customer satisfaction have been given little attention. This paper draws on the information system success model to look into the antecedents of trust and satisfaction in mobile banking. It adopts the problematization and the systematic literature review approaches to problematize, organise, and integrate previously published literature related to trust in mobile banking in the post-adoption stage. The paper proposes a conceptual model with five factors that influence customer trust in mobile banking: system quality, information quality, services quality, structural insurance, and task characteristics. The relationships between the independent variables and satisfaction are mediated by trust. This paper is one of the first to discuss the Delone and Mclean model within a customer trust and satisfaction framework.
在过去的十年里,银行在手机银行上投入了大量资金。虽然手机银行研究越来越多地关注采用和行为意图,但采用后的行为(如客户满意度)却很少受到关注。本文借鉴信息系统成功模型,探讨手机银行信任和满意度的影响因素。采用问题化和系统文献回顾的方法,对手机银行采用后阶段的信任相关文献进行问题化、整理和整合。本文提出了影响手机银行客户信任的五个因素:系统质量、信息质量、服务质量、结构保险和任务特征的概念模型。自变量与满意度之间的关系以信任为中介。本文是第一个在客户信任和满意度框架内讨论Delone和Mclean模型的论文之一。
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引用次数: 2
An Investigation of the Factors That Motivate Users to Participate in Online Communities 激励用户参与网络社区的因素调查
Pub Date : 2021-01-01 DOI: 10.4018/ijebr.2021010102
M. Khasawneh, Ola A. Al Hadeed, Tariq Abdrabbo, Mohammad Yousef Abu Hashesh, Muhammad Al-Abdullah
The objective of this research is to contribute to the understanding of the online community by empirically examining the major factors motivating online community members to participate and actively contribute to their communities. In pursuing this endeavor, a comprehensive conceptual model of motivations that drive online community participation is developed based on an extensive revision of the existing relevant literature. However, modest research had been conducted to understand the online participant's motivation to participate in online communities. Thus, the current research model will enhance understanding and add to the relevant existing knowledge by categorizing digital user's motivation to participate in online communities, through the employment of Maslow's hierarchy of needs theory and Herzberg's two-factor theory. The paper used a deductive methodological approach adopted.
本研究的目的是通过实证研究激励在线社区成员参与和积极贡献社区的主要因素,有助于理解在线社区。在进行这一努力的过程中,基于对现有相关文献的广泛修订,开发了驱动在线社区参与的动机的综合概念模型。然而,对在线参与者参与在线社区的动机进行了适度的研究。因此,目前的研究模型将通过运用马斯洛的需求层次理论和赫茨伯格的双因素理论,对数字用户参与在线社区的动机进行分类,从而增强理解并补充相关的现有知识。本文采用了演绎法的方法。
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引用次数: 1
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Int. J. E Bus. Res.
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