Mobile travel services: A three-country study into the impact of local circumstances

In this paper we explore the difference in acceptance patterns of mobile services that are related to travelling in three countries: Finland, The Netherlands and New Zealand. The objective of this paper is to understand differences in the use of Mobile Travel Services in three countries that differ with regard to national travel patterns. This paper also contributes to the discussion of the relevance of the Technology Acceptance Model for mobile applications by focusing on the importance of context characteristics, such as the degree of mobility of the user, the social situation people are in, and their need for social interaction. Based on surveys in the three countries as executed in 2009, we use structural equation modelling to find differences in patterns. The paper concludes that context factors have an impact on the relation between the core concepts as used in TAM and DOI approach, and that t here is a clear need for closer research in the moderating effect of physical (e.g. mobile and fixed context) and social context, as well as the need for social interaction. Moreover it is clear that country specific characteristics play a role in the acceptance of mobile travel services. As we pointed out in many of our research projects before the acceptance and use of mobile services requires deep understanding from individual, context and technology related characteristics and their mutual interactions

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

The role of trust in e-government adoption: A systematic literature review

Electronic government (e-government) is a concept that has been adopted in most countries for the purposes of providing government services digitally, improving transparency between government and citizens and enabling additional communication channels with the government. Although e-government readiness in most countries is at a high level, adoption of e-government services is still considered tentative. A critical review of the literature suggests that this may be linked to citizens’ trust in government and e-government. As such, there is a need to investigate the role of trust in e-government adoption. For this purpose, a systematic literature review was conducted in order to observe research design, methodologies and approaches adopted in these studies as well as limitations identified and recommendation for future studies. The findings highlight that quantitative techniques and survey research methods appear to have been much preferred over other available alternatives such as qualitative techniques and interview methods or mixed methods in studies relating to trust in e-government adoption

The mediating effect of attitude on direct and indirect determinants of Internet banking usage in Malaysia

Internet banking in Malaysia has been in existence for more than two decades. However, there is still lack of studies in discovering the aspects of attitude and behavior of the retail banking customers towards the adoption of the internet banking services. Therefore, this study aims to investigate the determinants of the internet banking usage from the angle of attitude and behavior of these customers in the internet banking usage. This study employed the Technology Acceptance Model by Davis as the underpinning theory and further enhanced it to the Extended Technology Acceptance Model by taking into account factors such as trust, internet self-efficacy, and subjective norm as the additional predictors of internet banking usage via the mediating effect of attitude towards usage. The study setting was based on five top commercial banking in Malaysia and systematic random sampling of data collection was done through households via self–administered questionnaire and analysis was done by using the structural equation modelling as the statistical tool. The findings show that perceived ease of use and attitude have a positive significant effect on internet banking usage while perceived usefulness and internet self-efficacy have a positive impact on attitude. The findings further reveal that perceived usefulness and internet self-efficacy mediate through attitude on the internet banking usage while trust, perceived ease of use, and subjective norm do not mediate through attitude on the internet banking usage. These results are immeasurably valuable to practitioners for managing and executing their marketing strategy. Furthermore, it contributes and enriches knowledge pertaining to the predictors of internet banking usage

Mobile travel services: the effect of moderating context factors

This article has two objectives: (1) to draw an international comparison regarding the acceptance of mobile travel services in three countries with different profiles when it comes to travelling and mobile telecommunications, and (2) to extend relevant literature on mobile applications, more specifically travel services, by including context-related concepts, taking moderating factors like location, mobility of users, physical, and social context into account. Based on surveys that were carried out in 2009, structural equation modelling is used to identify differences in patterns in the use of mobile travel services and in the role of context-related variables. the conclusion of this article is that context-related factors, that is, mobility and (physical and social) context, have an impact on the relationship between the core concepts of technology Acceptance model (TAM) and Diffusion of Innovation (DoI) research. many studies on the acceptance and use of mobile services indicate that a deep understanding is needed of individual, context-related, and technological characteristics and the way they interact. this is also highly relevant to the travel industry, which wants to utilize the opportunities provided by mobile technology

Extending UTAUT2 To Explore Consumer Adoption Of Mobile Payments

There is a growing interest in studying the adoption of m-payments but literature on the subject is still in its infancy and no empirical research relating to this has been conducted in the context of the UK to date. The aim of this study is to unveil the current situation in m-payment adoption research and provide future research direction through the development of a research model for the examination of factors affecting m-payment adoption in the UK context. Following an extensive search of the literature, this study finds that 179 relationships between independent and dependent variables have been analysed by 30 existing empirical m-payment and m-banking adoption studies. From analysis of these relationships the most significant factors found to influence adoption are uncovered and an extension of UTAUT2 with the addition of perceived risk and trust is proposed to increase the applicability of UTAUT2 to the m-payment use context

Exploring User Acceptance of a Text-message Base Health Intervention among Young African Americans

Information technology has been used in diverse ways. It has been used in both the public and private sectors to reduce costs and increase satisfaction. Technology may also be instrumental in improving individuals’ healthy behaviors. For instance, statistics suggest that technology-based interventions may promote healthy sexual behaviors; however, few studies have explored willingness to participate in technology-mediated interventions. In this study, we use the diffusion of innovation theory to identify factors that influence one’s intention to use a text-message service to receive sexual health information. The results indicate that technology diffusion factors rather than risk beliefs and privacy concerns impacted participant\u27s intention to use a text-message intervention. The findings of this study have significant implications for innovative uses of technology to promote health. Mobile-health interventions that are easy to use and that provide more benefits than other interventions are most likely to be adopted. However, these interventions should seek to maximize privacy protections and communicate clearly about these protections

Factors that Affect the Adoption of Mobile Banking in Case Commercial Bank of Ethiopia, Gambella People’s National Regional State Branch, Gambella, Ethiopia

The primary aim of this study was to examine factors influencing consumers’ adoption of mobile banking services Gambella region, Ethiopia. From the literature, seven determinant factors were identified. Each variable were measured by using yes or no questions. This study combines TAM and IDT along with perceived risk, awareness constructs and perceive trust. The primary data were collected using questionnaires distributed to customers of Commercial bank of Ethiopia for mobile banking users. The Statistical Package for Social Sciences (SPSS) version 20 was used to analyze the data. Descriptive and inferential statistics were used to address the research objectives and binary logistic regression analysis employed. The results revealed that, with exception of perceived risk, perceived usefulness, perceive ease of use; perceive trust, performance expectancy and awareness have positive and statistically significant with the adoption of mobile banking. This study recommended that, banks should encourage and create awareness to the public through emphasizing the benefits or advantages that can be gained from the mobile banking services to increase the adoption level and to provide further directions into mobile banking strategies for mobile network operators, banks and service provider to design and implement mobile banking services to yield higher consumer acceptance

The influences of e-satisfaction, e-trust and hedonic motivation on the relationship between e-banking adoption and its determinants in Nigeria

The main objective of this study is to investigate factors that can predict adoption of ebanking in Nigeria. Specifically, it aims at investigating mediating influences of esatisfaction, e-trust and hedonic motivation on the relationship between e-banking adoption and its other determinants. The motivation of this study is driven by the inconsistent findings in the literature with respect to the relationships between e-banking adoption and its determinants: perceived usefulness, perceived ease of use, perceived security and facilitating condition. In line with the inconsistencies, various suggestions have emerged pointing to the need to investigate the possible mediating variables that could explain the inconsistencies. For that purpose, this study employed theories of Technology Acceptance Model (TAM), Universal Theory of Acceptance and Use of Technology (UTAUT) and Social Exchange theory to synchronize the possible relationships among the variables in the conceptual framework. Survey questionnaire was advocated and the questionnaires were distributed randomly to 382 customers of four major banks in Nigeria. Out of 291 returned questionnaires, 266 were useable for analysis. PLS-SEM was used to analyze both direct and indirect relationships among the variables of the study. The results reveal that perceived usefulness, perceived security, perceived ease of use, facilitating condition, and awareness are positive determinants of e-banking adoption, e-satisfaction, hedonic motivation and e-trust accordingly with an exception of perceived usefulness that does not determine e-trust. The study also found that e-satisfaction; e-trust and hedonic motivation mediate the relationship between perceived usefulness, perceived ease of use, perceived security and facilitating conditions and e-banking adoption. Finally, managerial, policy and theoretical implications as well as directions for future research are discussed in this paper

User Acceptance of Mobile Broadband in Nigeria

Broadband access has been identified as a fundamental part of any thriving economy because it contributes to GDP.  Besides, mobile broadband has been seen as the means for which developing countries can leapfrog into the post-industrial era. According to the figure released by Nigerian Communications Commission in April, 2014, the number of mobile internet subscribers had dropped from 64.5 to 63 million as at February, 2014 and steadily rose to 87 million in April, 2015. Considering those figures and comparing it with the national population figure of about 178 million, and the mobile telephone subscription figure of about 145 million in Nigeria, the rate of acceptance of mobile broadband is not an appreciable penetration rate to substantially drive the adoption of other e-services like mobile commerce, mobile payment services throughout the entire country, except for few cities. To bridge this gap and foster faster rate of acceptance of mobile internet, this paper sought to investigate the factors that could stimulate the intention of users to use mobile broadband in Nigeria by empirically validating an integrated research model, adopted from the unified theory of acceptance and use technology (UTUAT) model by integrating mobile broadband motivation, government support and perceived price value constructs. Online survey data was collected from 376 respondents and analyzed using partial least square (SmartPLS) technique. Result shows that mobile broadband motivation, government support, perceived price value, social influence’ and facilitating conditions are significant determinants of intention behavior to use mobile broadband in Nigeria. The findings of this research are vital to telecoms and broadband service providers in understanding the factors that stimulate people’s behavior for subscribing to mobile internet and for deploying infrastructures and services; it will also help government and telecoms regulators to streamline their policy towards meeting these factors. To the academia, this integrated research model presents an extended view of the UTAUT model for investigating the determinants of broadband acceptance in developing countries. Keywords: mobile broadband, motivation, government support, Nigeri