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The future of non-contact commerce: the role of voice payments 非接触式商务的未来:语音支付的作用
IF 3 Q2 BUSINESS Pub Date : 2024-09-17 DOI: 10.1057/s41264-024-00292-6
Nhan-Thanh Thi Nguyen, Phuc-Thien Tran, Tri-Quan Dang, Luan-Thanh Nguyen

Voice payment systems have emerged as a revolutionary mode of transaction, transforming the way individuals interact with financial services. By incorporating two additional factors (trust and perceived security) into the Unified Theory of Acceptance and Use of Technology (UTAUT) framework, this study was conducted to address existing research gaps, specifically the dearth of studies on emerging payment methods in Vietnam. The purpose of this study is to investigate and analyze the factors influencing people’s intention to use voice payment, shedding light on the determinants shaping individuals' attitudes and behaviors in adopting this innovative payment method. A survey utilizing self-administered questionnaires was conducted, gathering data from 435 users experienced in using mobile payment services in Vietnam. The collected data underwent partial least square structural equation modeling (PLS-SEM). The findings indicate that performance expectancy (PE), social influence (SI), and trust (TR) positively impact both behavioral intention (BI) and voice payment adoption (VPA). This study contributes academically by introducing novel constructs to assess users' likelihood of embracing financial technology. In addition, the findings inform business executives and service providers regarding the expansion prospects that voice payment presents and aid them in comprehending the adoption of this technology. By offering recommendations, this research aids voice payment providers in enhancing the quality of their services and increasing customer satisfaction considering the findings.

语音支付系统已成为一种革命性的交易模式,改变了个人与金融服务的互动方式。通过将两个额外因素(信任和安全感)纳入技术接受和使用统一理论(UTAUT)框架,本研究旨在填补现有研究空白,特别是越南新兴支付方式研究的不足。本研究旨在调查和分析影响人们使用语音支付意愿的因素,揭示影响个人采用这种创新支付方式的态度和行为的决定因素。我们利用自填式问卷进行了一项调查,从越南 435 名有使用移动支付服务经验的用户那里收集了数据。对收集到的数据进行了偏最小二乘法结构方程建模(PLS-SEM)。研究结果表明,绩效预期(PE)、社会影响(SI)和信任(TR)对行为意向(BI)和语音支付采用(VPA)均有积极影响。本研究通过引入新的结构来评估用户采用金融技术的可能性,在学术上做出了贡献。此外,研究结果还为企业高管和服务提供商提供了有关语音支付扩展前景的信息,并帮助他们理解这项技术的采用。本研究通过提出建议,帮助语音支付提供商提高服务质量,增加客户满意度。
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引用次数: 0
Does enduring brand loyalty in mobile financial service platforms require strong commitment? A stimulus-organism-response (SOR) perspective 移动金融服务平台的持久品牌忠诚度需要强有力的承诺吗?刺激-机体-反应(SOR)视角
IF 3 Q2 BUSINESS Pub Date : 2024-08-24 DOI: 10.1057/s41264-024-00289-1
Rajesh Kumar Saha, Md. Borak Ali

This research provides a theoretical underpinning based on the stimulus-organism-response framework, reflecting how brand loyalty is endured in the mobile financial service platform through relationship marketing. The stimulus-organism-response model has been utilized in this investigation as a crucial analytical framework to clarify the process of client behavior. This research also investigates the moderating effect of commitment on this framework. Using systematic random sampling, 404 answers from 36 agent points were obtained with face-to-face interview technique. Structured equation modeling based on SmartPLS was used to analyze the data, and Hayes’ Process Macro for SPSS was used to look at the moderation. The findings showed that stimulus factors play a significant role in influencing organisms. Out of the two organism factors, trust only has a significant positive effect on brand loyalty as a response. The findings also confirmed the existence of moderation of commitment on the associations between organism and response. Theoretically, this study introduces a unique arrangement of relationship marketing constructs, and practically, brand managers may generate strategies to develop loyalty.

本研究提供了一个基于刺激-有机-反应框架的理论基础,反映了移动金融服务平台如何通过关系营销维持品牌忠诚度。本研究将刺激-有机体-反应模型作为一个重要的分析框架来阐明客户行为的过程。本研究还探讨了承诺对这一框架的调节作用。本研究采用系统随机抽样方法,通过面对面访谈技术从 36 个代理点获得了 404 份答案。研究采用了基于 SmartPLS 的结构方程模型来分析数据,并使用 Hayes'process Macro for SPSS 来研究调节作用。研究结果表明,刺激因素在影响有机体方面发挥着重要作用。在两个有机体因素中,只有信任对作为反应的品牌忠诚度有显著的积极影响。研究结果还证实,承诺对有机体和反应之间的关联存在调节作用。从理论上讲,本研究提出了一种独特的关系营销建构安排,从实践上讲,品牌管理者可以制定发展忠诚度的策略。
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引用次数: 0
Impact of information technology on Indian banking sector 信息技术对印度银行业的影响
IF 3 Q2 BUSINESS Pub Date : 2024-08-06 DOI: 10.1057/s41264-024-00287-3
Meenakshi Sharma, Akanksha Choubey

The banking industry has undergone a transformation because of information technology (IT), which has altered how financial institutions operate, provide services, and engage with their clients. Everyday enhancement in IT and development of digitalisation in banking sector has led researchers to examine the impact of information technology on Indian banking sector and challenges Indian banks face while implementing IT in its services and products. Though the drastic change and development of banking industry through IT cannot be denied, there is still a need to address issues such as consumer’s trust, technical training of employees, connectivity issues in Indian technological infrastructure, and buyer’s awareness to create a more open and secure banking ecosystem. This qualitative research explores the impact of IT on Indian banking sector and analyses the contribution of IT towards the infrastructural development of Indian banks, major challenges faced by Indian banks in changing technological scenario and scope of IT implementation in the Indian banking. The research even analyses the effect of pandemic on banking sector and brings out recent IT trends in banking sector post-pandemic. This research involves both secondary and primary data (collected through exploratory interviews of 40 bankers, including managing directors to branch managers) of 10 public and private banks in India. The findings of the study resulted to facts such as rise in the level of knowledge and awareness amongst consumers post-pandemic, effectiveness of data management, security, safety, and improvement in the service quality as the major impact of information technology in Indian banking sector and digital banking service, artificial intelligence, robotics, blockchain technology, and IT-driven core banking solutions were identified to be the future scope of IT in banking sector.

由于信息技术(IT)的发展,银行业经历了一场变革,它改变了金融机构的运营方式、提供服务的方式以及与客户接触的方式。信息技术的日新月异和银行业的数字化发展促使研究人员开始研究信息技术对印度银行业的影响,以及印度银行在服务和产品中实施信息技术时面临的挑战。尽管不可否认信息技术给银行业带来了巨大的变化和发展,但仍需要解决消费者的信任、员工的技术培训、印度技术基础设施的连接问题以及购买者的意识等问题,以创建一个更加开放和安全的银行生态系统。这项定性研究探讨了信息技术对印度银行业的影响,分析了信息技术对印度银行基础设施发展的贡献、印度银行在不断变化的技术环境中面临的主要挑战以及印度银行业实施信息技术的范围。研究还分析了大流行病对银行业的影响,并提出了大流行病后银行业的最新信息技术趋势。本研究涉及二级数据和一级数据(通过对印度 10 家公共银行和私人银行的 40 名银行家(包括总经理和分行经理)进行探索性访谈收集)。研究结果表明,大流行后消费者知识和意识水平的提高、数据管理的有效性、安全性和服务质量的改善是信息技术对印度银行业的主要影响,数字银行服务、人工智能、机器人技术、区块链技术和信息技术驱动的核心银行解决方案被认为是信息技术在银行业的未来发展方向。
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引用次数: 0
Do users' pro-environmental personal norms hold significance in electronic payment adoption context? 用户的环保个人规范在电子支付应用中是否具有重要意义?
IF 3 Q2 BUSINESS Pub Date : 2024-07-02 DOI: 10.1057/s41264-024-00286-4
Hassana Hilale, Abdellatif Chakor

The adoption of “Electronic Payment Systems (EPS)” presents an effective alternative for mitigating natural ecosystem degradation and serves as a robust catalyst for fostering green innovation and sustainability efforts. From this perspective, this article aims to investigate the drivers that impact EPS adoption in Morocco. This research also introduces an innovative theoretical framework combining the extended “Unified Theory of Acceptance and Use of Technology (UTAUT)” model by considering three additional constructs namely perceived trust (TR), perceived risk (PR), and structural assurance (SA), along with the “Value-Belief-Norm (VBN)” theory. A sample of 484 users was surveyed, and the PLS-SEM technique was employed to analyze the relationships within the research model. The results indicate that pro-environmental personal norms (PPN) significantly affected both behavior intention to use EPS (BI) and actual use (AU). Likewise, the VBN theory's sequential chain in activating PPN was confirmed as well as the direct impact of social influence (SI) and the new environmental paradigm (NEP) on PPN. Additionally, findings highlighted the significant effect of performance expectancy (PE), TR, SA, PR, SI, and effort expectancy (EE) on BI. However, facilitating conditions (FC) were found to be statistically insignificant toward BI. Similarly, awareness of adverse consequences (AC) did not significantly affect PPN. These findings have deepened our understanding of EPS adoption dynamics, providing valuable insights to policymakers and Fintech firms for more targeted green marketing campaigns, and paving the way for future research.

采用 "电子支付系统 (EPS) "是缓解自然生态系统退化的有效替代方法,也是促进绿色创新和可持续发展努力的有力催化剂。从这一角度出发,本文旨在研究影响摩洛哥采用 EPS 的驱动因素。本研究还引入了一个创新的理论框架,将扩展的 "技术接受与使用统一理论(UTAUT)"模型与 "价值-信念-规范(VBN)"理论相结合,考虑了三个额外的结构,即感知信任(TR)、感知风险(PR)和结构保证(SA)。对 484 名用户进行了抽样调查,并采用 PLS-SEM 技术对研究模型中的关系进行了分析。结果表明,亲环境个人规范(PPN)对使用 EPS 的行为意向(BI)和实际使用(AU)都有显著影响。同样,VBN 理论激活 PPN 的顺序链以及社会影响(SI)和新环境范式(NEP)对 PPN 的直接影响也得到了证实。此外,研究结果还强调了绩效预期(PE)、TR、SA、PR、SI 和努力预期(EE)对 BI 的显著影响。然而,促进条件(FC)对 BI 的影响在统计学上并不显著。同样,不良后果意识(AC)对 PPN 的影响也不明显。这些发现加深了我们对 EPS 采用动态的理解,为政策制定者和金融科技公司开展更有针对性的绿色营销活动提供了有价值的见解,并为未来的研究铺平了道路。
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引用次数: 0
Consumers’ attitude toward biometric banking services: an empirical evaluation of determinants and outcomes 消费者对生物识别银行服务的态度:对决定因素和结果的实证评估
IF 3 Q2 BUSINESS Pub Date : 2024-06-29 DOI: 10.1057/s41264-024-00285-5
Suhail Ahmad Bhat, Sheikh Basharul Islam, Mansoor Farooq Mir

The study aims to evaluate consumers’ attitudes toward the biometric technology and to investigate how these authentication technologies influence the intention to use such technologies in the future. A survey using a questionnaire was conducted to collect data from 610 bank customers. The data, gathered offline, were analyzed using statistical techniques such as descriptive statistics, confirmatory factor analysis, and structural equation modeling. The findings indicate that attitude toward biometric authentication significantly influence perceived ease of use and security. In turn, perceived ease of use and security significantly impact perceived usefulness, which affects the intention to use biometric authentication technology for banking services. The study suggests that banking service providers should leverage the positive beliefs of users by integrating biometric technologies (face recognition, fingerprinting, and iris scans) for transactions in banking applications. This research contributes to the literature by specifically examining the impact of biometric authentication techniques on the technology acceptance model (TAM) determinants and the intention to use these technologies. The findings offer fresh insights for various stakeholders, facilitating the effective and successful implementation of these technological advancements in emerging economies.

本研究旨在评估消费者对生物识别技术的态度,并调查这些身份验证技术如何影响未来使用此类技术的意愿。研究采用问卷调查的方式收集了 610 名银行客户的数据。对离线收集的数据采用了描述性统计、确认性因素分析和结构方程模型等统计技术进行了分析。研究结果表明,对生物识别身份验证的态度会对感知易用性和安全性产生重大影响。反过来,感知到的易用性和安全性又会对感知到的有用性产生重大影响,而感知到的有用性又会影响在银行服务中使用生物识别身份验证技术的意愿。研究建议,银行服务提供商应将生物识别技术(人脸识别、指纹识别和虹膜扫描)整合到银行应用的交易中,从而利用用户的积极信念。本研究通过具体考察生物识别身份验证技术对技术接受模型(TAM)决定因素和使用这些技术的意愿的影响,为相关文献做出了贡献。研究结果为各利益相关方提供了新的见解,有助于新兴经济体有效、成功地实施这些技术进步。
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引用次数: 0
Determinants of risky buy-now-pay-later intentions and behaviors of Vietnamese students 越南学生 "先买后付 "风险意向和行为的决定因素
IF 3 Q2 Economics, Econometrics and Finance Pub Date : 2024-05-30 DOI: 10.1057/s41264-024-00283-7
Hoang Phong Nguyen, Thi Bich Duyen Pham

This study explores psychological and social factors that contribute to risky buy-now-pay-later (BNPL) intentions and behaviors among college students. This study was designed quantitatively and surveyed 1147 students in Vietnam. The partial least squares structural equation modeling was used to test the hypotheses. The results indicate that students with greater knowledge about financial risk are more likely to avoid risky BNPL behaviors. In contrast, students who have a positive attitude toward risk consumer credit and an external locus of control tend to favor risky BNPL. Additionally, the external locus of control plays a role in moderating the predictive relationship between risky BNPL intention and behavior. Finally, this study also found a difference in the effect level of the factors between groups of students divided by gender and major.

本研究探讨了导致大学生 "现购现付"(BNPL)风险意向和行为的心理和社会因素。本研究采用定量设计,对越南的 1147 名学生进行了调查。研究采用偏最小二乘结构方程模型来检验假设。结果表明,对金融风险有更多了解的学生更有可能避免高风险的 BNPL 行为。与此相反,对风险消费信贷持积极态度和有外部控制力的学生往往倾向于有风险的 BNPL 行为。此外,外部控制源在风险 BNPL 意向和行为之间的预测关系中起着调节作用。最后,本研究还发现,按性别和专业划分的学生群体在各因素的影响程度上存在差异。
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引用次数: 0
Pay-per-click (PPC) advertising and continuous banking service intentions 点击付费(PPC)广告和持续银行服务意向
IF 3 Q2 Economics, Econometrics and Finance Pub Date : 2024-05-25 DOI: 10.1057/s41264-024-00282-8
Sajad Rezaei, Muslim Amin, Halimin Herjanto

Despite the increasing popularity of pay-per-click (PPC) advertising and search engine optimization within the financial industry, there is a notable lack of research on the effectiveness of PPC on bank customers' continuous search intention and banking services intention. This study aims to fill this gap by investigating the use of PPC as a tool on customers' search intention and continuous services intention in a retail banking context. Utilizing a quantitative design, we collected data and employed maximum likelihood estimation (MLE) for path analysis to analyze the empirical data. Our findings reveal several substantial results. Firstly, continuous search intentions significantly influence continuous banking services intentions. Secondly, attitude toward PPC advertising significantly affects both continuous search and banking services intentions. Thirdly, satisfaction with PPC advertising is crucial in shaping attitudes toward PPC, continuous search intention, and continuous banking services intention. Fourthly, perceived usefulness directly influences attitudes toward PPC, satisfaction with PPC, and continuous search intention. Lastly, while PPC advertising's perceived ease of use and perceived confirmation are linked to perceived usefulness, they do not directly affect attitude toward PPC. By adopting a dual intentions approach, this study contributes to banking literature by highlighting the importance of understanding the distinct roles of PPC attributes in shaping short- and long-term customer behavioral intentions.

尽管按点击付费(PPC)广告和搜索引擎优化在金融业越来越受欢迎,但关于按点击付费广告对银行客户持续搜索意向和银行服务意向的影响的研究却明显不足。本研究旨在填补这一空白,调查在零售银行业务中使用 PPC 作为工具对客户搜索意向和持续服务意向的影响。我们采用定量设计收集数据,并使用最大似然估计法(MLE)进行路径分析,以分析实证数据。我们的研究结果揭示了几个实质性的结果。首先,持续搜索意向会明显影响持续银行服务意向。其次,对 PPC 广告的态度会对持续搜索意向和银行服务意向产生重大影响。第三,对 PPC 广告的满意度是形成对 PPC 的态度、持续搜索意向和持续银行服务意向的关键。第四,感知有用性直接影响对 PPC 的态度、对 PPC 的满意度和持续搜索意向。最后,虽然 PPC 广告的感知易用性和感知确认性与感知有用性相关,但它们并不直接影响对 PPC 的态度。通过采用双重意向方法,本研究强调了了解 PPC 属性在塑造客户短期和长期行为意向方面的不同作用的重要性,从而为银行业文献做出了贡献。
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引用次数: 0
Cyberfraud, usage intention, and cybersecurity awareness among e-banking users in India: an integrated model approach 印度电子银行用户的网络欺诈、使用意向和网络安全意识:一种综合模型方法
IF 3 Q2 Economics, Econometrics and Finance Pub Date : 2024-05-06 DOI: 10.1057/s41264-024-00279-3
Mohammed Afzal, Mohd. Shamim Ansari, Naseem Ahmad, Mohammad Shahid, Mohd. Shoeb

Cyberfraud knows no boundaries and increases with the emergence of technology adoption. The remarkable rise of cybercrime and its catastrophic consequences pose a significant threat to financial institutions in India. Existing literature proves that banks are most affected among other sectors due to their resilience on the Internet, particularly e-Banking platforms. This study incorporates cybersecurity knowledge and awareness with the Technology Acceptance Model (TAM) to examine the association to usage intention among e-Banking users in India. Co-variance-based structural equation modelling (CB-SEM) was used to analyse the sample size of 428 responses. The findings suggested that e-Banking users’ cybersecurity knowledge and awareness positively influence e-Banking usage intention. Users’ behavioural protection is influenced by knowledge and awareness. It was also observed that cybersecurity knowledge, awareness, and behavioural choice protection were consistent with TAM theory. Emerging cyberfraud has become a significant challenge in accepting e-banking platforms. The structural model suggests that cybersecurity awareness among e-Banking users against cyberfraud could help safeguard users’ bank accounts and positively influence usage intention. Cybersecurity awareness must be taught to e-Banking users to counter rising cyberfraud incidents.

网络欺诈不分国界,并随着技术应用的出现而增加。网络犯罪的显著增加及其灾难性后果对印度的金融机构构成了重大威胁。现有文献证明,由于银行在互联网,尤其是电子银行平台上的适应能力,银行在其他行业中受影响最大。本研究将网络安全知识和意识与技术接受模型(TAM)相结合,研究印度电子银行用户的使用意向与网络安全知识和意识之间的关联。研究采用基于共变异的结构方程模型(CB-SEM)对 428 个样本进行分析。研究结果表明,电子银行用户的网络安全知识和意识对电子银行使用意向有积极影响。用户的行为保护受知识和意识的影响。研究还发现,网络安全知识、意识和行为选择保护符合 TAM 理论。新出现的网络欺诈已成为接受电子银行平台的重大挑战。结构模型表明,电子银行用户的网络安全意识有助于保护用户的银行账户,并对使用意向产生积极影响。必须向电子银行用户传授网络安全意识,以应对不断上升的网络欺诈事件。
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引用次数: 0
Investors’ acceptance and use of investment-based crowdfunding platforms: an integrated perspective 投资者对投资型众筹平台的接受和使用:综合视角
IF 3 Q2 Economics, Econometrics and Finance Pub Date : 2024-05-02 DOI: 10.1057/s41264-024-00278-4
Felix Friederich, Ramon Palau-Saumell, Jorge Matute, José Luis Sánchez-Torelló

Investment-based crowdfunding platforms (IBCP) have revolutionized the financial landscape by providing viable investment opportunities for non-institutional investors. Nonetheless, only a limited amount of attention has been focused on the factors that shape investors’ adoption of these platforms. Therefore, we primarily explore investors’ adoption of IBCP by employing an integrated model combining the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) and the Task-technology Fit model (TTF) while incorporating network externalities and trust. Drawing on a sample of current IBCP investors (n = 303), we found that investors’ behavioural intentions and use behaviour can be explained by performance expectancy, effort expectancy, facilitating conditions, habit, network externalities, trust and the TTF. The integrated model explained a higher variance in the endogenous variables than the two baseline models. We contribute to the emerging literature by delivering a new integrated model and provide platform operators with valuable insights into encouraging investors’ adoption behaviour.

投资型众筹平台(IBCP)为非机构投资者提供了可行的投资机会,从而彻底改变了金融业的格局。然而,人们对投资者采用这些平台的因素的关注有限。因此,我们主要通过结合技术接受与使用统一理论 2(UTAUT2)和任务-技术契合模型(TTF)的综合模型,同时结合网络外部性和信任,来探讨投资者对 IBCP 的采用情况。通过对当前 IBCP 投资者(n = 303)的抽样调查,我们发现投资者的行为意向和使用行为可以用绩效预期、努力预期、便利条件、习惯、网络外部性、信任和 TTF 来解释。与两个基线模型相比,综合模型能解释更多的内生变量方差。我们提供了一个新的综合模型,为新兴文献做出了贡献,并为平台运营商提供了鼓励投资者采用行为的宝贵见解。
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引用次数: 0
Islamic insurance: a review and research agenda 伊斯兰保险:回顾与研究议程
IF 3 Q2 Economics, Econometrics and Finance Pub Date : 2024-04-05 DOI: 10.1057/s41264-024-00276-6
Wang Tong, Muhammad Ali, Chin-Hong Puah, Choi-Meng Leong, Xiao Yuping

This study explores relevant studies on Islamic insurance, including key themes, research areas, and research objectives. This study lays foundation for understanding the current status and trends in Islamic insurance research by systematically collecting, organizing and analyzing relevant literature. This study combines systematic literature review and bibliometric analysis to provide insights into the key research dimensions of Islamic insurance. Using systematic literature review, this study identifies research trends in the topic of Islamic insurance from 2003 to 2023 by systematically analyzing 502 articles in the Scopus database. Using bibliometric analysis, this study reveals the publication trends, influential articles, and research collaborations in this research area through visual charts and graphs. On this basis, this study analyzes and summarizes four clusters of Islamic insurance research themes focusing on the development and social impact of Islamic insurance in Indonesia; role of Islamic insurance in improving human health security, impact, and differential study of Islamic insurance on public health education among adult male and female; and religious attitudes and health care access. Emerging themes in the research area were identified through a thematic analysis of the literature of the last five years. The study has important implications for practice and policy formulation in the Islamic insurance industry. Through the study of Islamic insurance, it is possible to promote multicultural knowledge exchange and bring a broader perspective to the field of finance. Gaps exist in recent literature, comprise the lack of exploration on innovative characteristics in Islamic insurance models from conceptual perspective, impact of Islamic insurance on sustainable development from content perspective and impact of cultural and geographical factors on market development of Islamic insurance from contextual perspective. This study also proposes potential research directions to address these gaps.

本研究探讨了伊斯兰保险的相关研究,包括关键主题、研究领域和研究目标。本研究通过系统地收集、整理和分析相关文献,为了解伊斯兰保险研究的现状和趋势奠定了基础。本研究结合了系统的文献综述和文献计量分析,对伊斯兰保险的主要研究维度进行了深入分析。通过系统地分析 Scopus 数据库中的 502 篇文章,本研究利用系统性文献综述确定了 2003 年至 2023 年伊斯兰保险主题的研究趋势。利用文献计量分析,本研究通过直观的图表揭示了该研究领域的出版趋势、有影响力的文章和研究合作。在此基础上,本研究分析并总结了伊斯兰保险研究的四组主题,分别侧重于伊斯兰保险在印尼的发展和社会影响;伊斯兰保险在改善人类健康安全方面的作用;伊斯兰保险对成年男性和女性公共卫生教育的影响和差异研究;以及宗教态度和医疗保健的获取。通过对过去五年的文献进行专题分析,确定了研究领域的新主题。这项研究对伊斯兰保险业的实践和政策制定具有重要意义。通过对伊斯兰保险的研究,可以促进多元文化的知识交流,为金融领域带来更广阔的视角。近期文献中存在的不足包括:从概念角度缺乏对伊斯兰保险模式创新特征的探讨;从内容角度缺乏对伊斯兰保险对可持续发展影响的探讨;从背景角度缺乏对文化和地理因素对伊斯兰保险市场发展影响的探讨。本研究还针对这些差距提出了潜在的研究方向。
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引用次数: 0
期刊
Journal of Financial Services Marketing
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