数字支付通用模型：元分析结构方程模型（MASEM）研究

IF 3.7 4区管理学 Q2 BUSINESS Electronic Commerce Research Pub Date : 2024-01-19 DOI:10.1007/s10660-023-09795-1

Catarina Neves, Tiago Oliveira, Fernando de Oliveira Santini, Wagner Junior Ladeira

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引用次数: 0

摘要

近年来，消费者广泛使用数字支付，而 COVID-19 大流行则加速了这一进程。同样，学术界对这一话题的兴趣也紧跟这一趋势。各种初级研究报告相继出版，研究结果碎片化且相互矛盾。元分析研究对于整理所检验的关系和平息不一致的结果至关重要。因此，我们建议对来自 30 多个国家的 70 项独立研究进行元分析结构方程建模研究，这些研究加入了 286 个效应大小。通过对数字支付使用意向的主要先决条件的综合模型进行测试，我们认为这是可行的。我们还评估了间接效应和调节效应。我们发现，消费者的信任是对消费者态度影响最大的因素。此外，我们还发现了态度对社会规范、信任、感知易用性和感知有用性之间的关系对数字支付使用意向的部分中介效应。最后，我们发现人类发展国家指数和性别对所提出的关系有明显的调节作用。

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A digital payment generalisation model: a meta-analytic structural equation modelling (MASEM) research

Consumers have used digital payments widely in recent years, and the COVID-19 pandemic accelerated this process. Similarly, academic interest in this topic has followed this trend. Various primary research studies have been published, and defragmentation and conflicting findings were found. Meta-analytic studies are essential for organising the relationships tested and pacifying inconsistent results. Thus, we propose meta-analytic structural equation modelling research from 70 independent studies that acceded 286 effect sizes from more than 30 countries. Testing an integrated model with the main antecedents of digital payment intention to use was possible. We also evaluated indirect and moderator effects. We found that consumers’ trust is the most influential construct in consumer attitudes. Furthermore, we detected the partial mediation effect of attitude on the relationships between social norms, trust, perceived ease of use, and perceived usefulness on digital payment intention to use. Finally, we identified significant moderation effects of the human development countries index and gender on the relationships proposed.

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来源期刊

Electronic Commerce Research Multiple-

CiteScore

7.50

自引率

12.80%

发文量

期刊介绍： The Internet and the World Wide Web have brought a fundamental change in the way that individuals access data, information and services. Individuals have access to vast amounts of data, to experts and services that are not limited in time or space. This has forced business to change the way in which they conduct their commercial transactions with their end customers and with other businesses, resulting in the development of a global market through the Internet. The emergence of the Internet and electronic commerce raises many new research issues. The Electronic Commerce Research journal will serve as a forum for stimulating and disseminating research into all facets of electronic commerce - from research into core enabling technologies to work on assessing and understanding the implications of these technologies on societies, economies, businesses and individuals. The journal concentrates on theoretical as well as empirical research that leads to better understanding of electronic commerce and its implications. Topics covered by the journal include, but are not restricted to the following subjects as they relate to the Internet and electronic commerce: Dissemination of services through the Internet;Intelligent agents technologies and their impact;The global impact of electronic commerce;The economics of electronic commerce;Fraud reduction on the Internet;Mobile electronic commerce;Virtual electronic commerce systems;Application of computer and communication technologies to electronic commerce;Electronic market mechanisms and their impact;Auctioning over the Internet;Business models of Internet based companies;Service creation and provisioning;The job market created by the Internet and electronic commerce;Security, privacy, authorization and authentication of users and transactions on the Internet;Electronic data interc hange over the Internet;Electronic payment systems and electronic funds transfer;The impact of electronic commerce on organizational structures and processes;Supply chain management through the Internet;Marketing on the Internet;User adaptive advertisement;Standards in electronic commerce and their analysis;Metrics, measurement and prediction of user activity;On-line stock markets and financial trading;User devices for accessing the Internet and conducting electronic transactions;Efficient search techniques and engines on the WWW;Web based languages (e.g., HTML, XML, VRML, Java);Multimedia storage and distribution;Internet;Collaborative learning, gaming and work;Presentation page design techniques and tools;Virtual reality on the net and 3D visualization;Browsers and user interfaces;Web site management techniques and tools;Managing middleware to support electronic commerce;Web based education, and training;Electronic journals and publishing on the Internet;Legal issues, taxation and property rights;Modeling and design of networks to support Internet applications;Modeling, design and sizing of web site servers;Reliability of intensive on-line applications;Pervasive devices and pervasive computing in electronic commerce;Workflow for electronic commerce applications;Coordination technologies for electronic commerce;Personalization and mass customization technologies;Marketing and customer relationship management in electronic commerce;Service creation and provisioning. Audience: Academics and professionals involved in electronic commerce research and the application and use of the Internet. Managers, consultants, decision-makers and developers who value the use of electronic com merce research results. Special Issues: Electronic Commerce Research publishes from time to time a special issue of the devoted to a single subject area. If interested in serving as a guest editor for a special issue, please contact the Editor-in-Chief J. Christopher Westland at westland@uic.edu with a proposal for the special issue. Officially cited as: Electron Commer Res