The Impact Of Technology Trust On The Acceptance Of Mobile Banking Technology Within Nigeria

With advancement in the use of information technology seen as a key factor in economic development, developed countries are increasingly reviewing traditional systems, in various sectors such as education, health, transport and finance, and identifying how they may be improved or replaced with automated systems. In this study, the authors examine the role of technology trust in the acceptance of mobile banking in Nigeria as the country attempts to transition into a cashless economy. For Nigeria, like many other countries, its economic growth is linked, at least in part, to its improvement in information technology infrastructure, as well as establishing secure, convenient and reliable payments systems. Utilising the Technology Acceptance Model, this study investigates causal relationships between technology trust and other factors influencing user’s intention to adopt technology; focusing on the impact of seven factors contributing to technology trust. Data from 1725 respondents was analysed using confirmatory factor analysis and the results showed that confidentiality, integrity, authentication, access control, best business practices and non-repudiation significantly influenced technology trust. Technology trust showed a direct significant influence on perceived ease of use and usefulness, a direct influence on intention to use as well as an indirect influence on intention to use through its impact on perceived usefulness and perceived ease of use. Furthermore, perceived ease of use and perceived usefulness showed significant influence on consumer’s intention to adopt the technology. With mobile banking being a key driver of Nigeria’s cashless economy goals, this study provides quantitative knowledge regarding technology trust and adoption behaviour in Nigeria as well as significant insight on areas where policy makers and mobile banking vendors can focus strategies engineered to improve trust in mobile banking and increase user adoption of their technology

Integrating Mobile Technology Quality Service, Trust and Cultural Factors Into Technology Acceptance of Mobile Learning: A Case of the Jordan Higher Education Institution

The success of mobile learning system in higher education depends a lot on the students‟ acceptance of the technology. From an early investigation, students at Jordanian higher educational institutions however are still unwilling to use mobile learning applications and services. The students‟ acceptance should be a key concern for the management of a university in considering the implementation of mobile learning system. The objective of this study is to identify the factors that influence the acceptance of mobile learning system based on the Technology Acceptance Model (TAM). A total of 500 questionnaires were distributed to five universities in Jordan, out of which 398 question-naires were returned, representing 79% response rate. Statistical techniques including bivariate correlation analyses, multiple linear and stepwise regression analyses, T-tests, and One-Way ANOVA were used. The results showed three core determinants: Culture, Trust, and Technology Service Quality as significantly influenced Perceived Usefulness and Perceived Ease of Use. Perceived Usefulness and Perceived Ease of Use moreover have significantly determined Attitude, while Perceived Usefulness and Attitude, have significantly determined users‟ Behavioral Intention. Among the five variables of culture, the study found Power Distance to be the most contributive variable, and Trust in University as the most contributive variable under the Trust factor. Meanwhile, the most contributive variable in Technology Service Quality factor is Accessibility. For the Demographic factors, the study proved that gender, mobile learning experience, and mobile internet experience have significantly influenced students‟ acceptance. Based on the results obtained, the study proposes a model of mobile learning acceptance based on TAM. A comprehensive understanding of this model will assist decision makers to enhance the acceptance of the mobile learning system among students in Jordanian higher educational institutions in the future

Prediction model for behavioral intention to use E-HRM through awareness in Jordanian five-star hotels

Using web-based technologies in various HR procedures is the concept of Electronic Human Resource Management or E-HRM. It makes a big difference to the efficiency of the business by providing several options for getting things done quickly. Nevertheless, there has been scant investigation into this field, and its maximum potential remains untapped, despite its meteoric rise. The present research also suggests adding the Technology Acceptance Model (TAM) to the E-HRM continuity model to find out what factors affect workers' behavioral intention to use E-HRM systems, and how awareness plays a role in this. In order to help advance E-HRM as a field, this study aims to expand the theoretical bounds of existing research. 400 prospective employees were scouted from Jordanian five-star hotels as part of the convenience sampling procedure used to get the data. Starting in January 2022, the data was collected over one month. We used a Structural Equation Model (SEM) with Smart PLS on the dataset to evaluate our hypothesis. The study found that behavioral intention to use E-HRM is significantly influenced by perceived usefulness, perceived ease of use, trust, and subjective norms. The results only backed up two of the four hypotheses on the moderator effect. Hotel workers will be better able to handle high levels of stress and conduct their jobs more efficiently if the industry adopts E-HRM technology

Antecedent and Mediator of Actual Visit Behavior Amongst International Tourists in Jordan

Actual visit behavior has been for many years an area of ongoing interest in fields that span both tourist behavior and international marketing. Despite the growth of the tourism industry, hotel industry is facing fluctuating tourist revisit intention provoked by dissatisfaction, high travel risk, mediocre hotel service, or negative Jordan image. Moreover, considerable fragmentation and inconsistency in empirical findings has limited theory development. This thesis, which is based on the concepts of Theory of Planned Behavior (TPB), has the following objectives: (1) to identify the direct influence of (perceived risk, revisit intention and perceived behavior control) on actual visit behavior. (2) to identify the direct influence of (tourist satisfaction, tourist attitude, subjective norm and perceived behavior control) on revisit intention. (3) to identify the direct influence of (perceived risk, Jordan image and service climate) on tourist satisfaction. (4) to examine to what extent revisit intention and tourist satisfaction mediate the relationship between perceived risk and actual visit behavior. (5) to determine the mediating effect of revisit intention on linkage of perceived behavior control with actual visit behavior. (6) to determine how the underpinning theory of Planned Behavior (TPB) can be used to explain actual visit behavior in Jordan. The measurement for the latent variables is adopted from past studies as follows: tourist satisfaction (10 items); perceived risk (7 items); Jordan image (11 items); service climate (10); revisit intention (5); tourist attitude (6 items); subjective norm (6 items); perceived behavior control (6 items); actual visit behavior (5 items). From 850 samples, 494 usable responses were returned representing a 59% response rate. Using Structural Equation Modelling (SEM), the Generating (MG) achieved model fit as shown in the GOF index: Ratio (CMIN/df) =1.186; GFI=0.973; RMSEA= 0.019; TLI=0.991; P-value=0.096. The SMC = 0.703 which means that the predictors explain 70.3% variance in actual visit behavior. The findings highlight five direct significant antecedents of actual visit behavior: revisit intention ( =.264, CR=2.720 p=0.007), perceived risk ( =-.318, CR= -2.197 p=0. 028), subjective norm ( =.199, CR=2.112 p=.035), Jordan image ( =.504, CR=2.653 p=.008) and service climate ( =.226, CR=3.020 p=.003); three direct significant antecedents of intention: tourist satisfaction ( =.373, CR=5.400 p=***), tourist attitude ( =.182, CR= 2.734 p=.006), subjective norm ( =.262, CR= 4.178 p=***); three direct significant antecedents of satisfaction: Jordan image ( =.356, CR=2.407 p=.016), subjective norms ( =173, CR=2.343 p=.019) and perceived behavior control ( =.159, CR=2.117 p=.034). The study found two insignificant direct antecedents to actual visit behavior PBC and satisfaction; one insignificant direct antecedents of intention i.e. PBC; three insignificant direct antecedents of satisfaction i.e. service climate and attitude. The finding supports eleven hypotheses (H1, H2, H3, H4, H7, H9, H4a, H9a, H10a, H4b, and H5a) and rejects six hypotheses (H5, H6, H8, H10, H2a, and H3a). Satisfaction and intention were found to be non-mediators

The determinants of customer internet banking resistance and the role of mediating variables in Yemeni Universities

Although internet banking has been widely adopted in developed countries, there is still a low percentage of internet banking adoption in Yemen, indicating a probable high resistance to internet banking. Hence, the objective of this research was to determine the direct predictors (attitude, subjective norm, perceived behavior control (PBC), credibility, trust, compatibility, self-efficacy and government support) of customer resistance, attitude, subjective norm, PBC and credibility towards internet banking. Additionally, this study examined the mediating effects of attitude, subjective norm, PBC, and credibility on the relationship between predictors and customer resistance to internet-banking behavior using Decomposed Theory of Planned Behavior (DTPB). A quantitative research survey was used whereby 900 questionnaires were distributed randomly to University employees. 451questionnaires were returned, representing a 50% response rate. After screening, 372 useable data sets were analyzed using the Structural Equation Modeling (SEM). The study found five significant predictors of customer resistance (attitude, credibility, compatibility, selfefficacy, and government support); three significant factors predicting attitude (government support, subjective norm and PBC); two significant predictors of SN (government support and self-efficacy); two significant predictors of PBC (compatibility and self-efficacy); and three predictors of credibility (trust, government support and PBC). It was also found that attitude fully mediated the relationship between subjective norm and customer resistance as well as between PBC and customer resistance. Contrastingly, attitude was a partial mediator between the relationship of government support and customer resistance. Likewise, credibility is a full mediator on the relationship between trust and customer resistance; PBC and customer resistance. Credibility also partially mediated the relationship between government support and customer resistance. Finally, the study contributes empirically by validating DTBP as an effective underpinning theory in explaining the internet banking resistance and that government should enact more stringent laws and policies to control the internet banking in Yemen

Measuring service quality in m-commerce context: The case of Arab Open University, Jordan

This study explores the impact of service quality dimensions (website design, reliability, responsiveness, trust, personalization, perceived risk and perceived cognitive control), information quality dimensions (content usefulness and content adequacy) and system - quality dimensions (ease of use, accessibility, interactivity and perceived website innovativeness) on overall perceived service quality, customer satisfaction and behavioral intention. Based on existing literature, a conceptual model was developed. The SERVQUAL model and the Information system theories were used to explicate the relationship among the variables in the conceptual model. Using a survey research design, a sample of 618 university students and staff was drawn through simple random sampling. Combinations of inferential and descriptive statistics were performed assisted by the Statistical Package for Social Science (SPSS) and Partial Least Square (PLS). The outcomes of this study show that responsiveness, content usefulness, content adequacy, ease of use, interactivity, and perceived website innovativeness have significant positive relationships with overall service quality. However, website design, reliability, trust, personalization and perceived risk do not have significant relationships with overall service quality. Similarly, and as expected, overall service quality significantly influences satisfaction while satisfaction positively influences the behavioral intention of mobile commerce customers in Jordan. As for policy and managerial recommendations, it is important that managers lay more emphasis on those factors that can make customers perceive the website of m-commerce to be of high quality as this will eventually affect their satisfaction and future behavioral intentions. Similarly, m-commerce service policy-makers should come up with policies that will enhance the nature of services being rendered, and that will bring greater benefits to the customers. Additionally, the policymakers should endeavour to position m-commerce in the minds of customers in such a way that it will bring about the intention to repeat patronage in the future. Finally, directions for future research are discussed

REVIEW OF STUDIES WITH UTAUT AS CONCEPTUAL FRAMEWORK

The main focus of this paper is to contrast and combine results from different studies using the Unified Theory of Acceptance and Use of Technology(UTAUT) and its extensions, in the hope of identifying patterns among studied results, sources of discrepancy among those results, or other existing relationships that may come to light in the context of these study. Studies from which this paper was prepared were basically derived from Emerald, Science Direct, EBSCOhost databases. Out of 20 studies gleaned 4 were on telecommunication, 5 on banking, 12 were on Education and 5 were on Health. Results from these studies are varying. This paper tabulate thematically and chronologically literature where the Unified Theory of Acceptance and Use of Technology have been applied. The review identified the Topic, Author, Sample Size, Location where the study was carried and theoretical model used. It also includes the Statistical techniques applied, the objectives of the study and the result

Understanding internet banking services and customer's adoption in Iraqi public universities

There is no doubt that internet banking services adoption represents a good opportunity for developing nations to attain greater economic development and growth, where the creation of added value is driven by information, knowledge and the adoption of information and communications technology. Although a lot of researches provide evidence on the wide adoption of internet banking in developed nations, there are only limited researches in developing nations in the Middle East, specifically in Iraq. There is definitely a need in this country to identify the factors that could encourage and improve the understanding of internet banking services adoption. There is also a paucity of empirical researches on internet banking services adoption from the perspective of customers. Taking these into cognizance, this quantitative research aims to understand internet banking services adoption, by investigating the key factors that encourage customers to adopt internet banking in the Iraqi context, using the decomposed theory of planned behavior. The research framework consists of eighteen latent variables, fourteen exogenous variables (perceived usefulness, perceived ease of use, compatibility, trust, social recommendation, prestigious media, self-efficacy, government support, technology support, internet technology literacy, resistance to technology, perceived risk of technology, anxiety about technology and information on technology); and four endogenous variables (internet banking adoption, attitude, subjective norms and perceived behavioral control). In order to test the framework, a quantitative approach using the survey method is employed consisting of eighty two items with a seven-point Likert scale. Based on proportionate stratified random sampling, 535 out of 800 employees submitted completed questionnaires suitable for analysis (a 66.8% response rate). Findings of this study reveal that all the research hypotheses are supported except three, namely subjective norms, perceived behavioral control and information on technology towards internet banking services adoption, implying that the decomposed theory of planned behavior is an applicable underpinning theory for clarifying the important antecedents of internet banking services adoption in the Iraqi context

Personality, top management support, continuance intention to use electronic health record system among nurses in Jordan

Electronic health record system (EHRs) is preferred as standard documentation to track patient information and office visits. It is acclaimed as technological breakthrough capable to improve the healthcare industry’s service delivery and system quality. Accordingly, Jordanian government initiated EHRs implementation in all public hospitals. However, only eleven out of 35 public hospitals have fully implemented EHRs and their usage remains low. Moreover, empirical research associated to the particular concern of EHRs is insufficient and the effort to appraise it is low considering its extensive ongoing implementation. Besides, comprehending and explaining nurses’ continuous intention (CI) to use EHRs are crucial to gauge EHRs usage in Jordan. Considering the problem, this study highlighted on continuous intention (CI) of nurses to use EHRs model by incorporating the following theories; the Unified Theory of Acceptance and Use of Technology (UTAUT), Expectation-Confirmation Theory (ECT) and Five Factor Model (FFM). The model is insinuated to investigate whether UTAUT factors namely effort expectancy, performance expectancy, social influence, facilitating conditions, FFM domains (conscientiousness, extraversion, neuroticism, openness to experience, and agreeableness) and Top Management Support (TMS) predict nurses’ CI to use EHRs. Total responses are 497 nurses. Partial Least Squares technique used for analysis. Results revealed significant positive relationship between UTAUT factors and CI. However, there is no significant evidence of relationship between TMS and CI. The study also disclosed significant mediating influence of performance expectancy on two separate hypotheses concerning two predictors namely agreeableness and openness to experience on CI. Additionally, the study revealed significant moderation impact of conscientiousness on the relationship between both performance expectancy and social influence with CI. The study has illustrated important attention to substantive differences between acceptance and continuance to use behaviors