Culture in the design of mHealth UI:An effort to increase acceptance among culturally specific groups

Purpose: Designers of mobile applications have long understood the importance of users’ preferences in making the user experience easier, convenient and therefore valuable. The cultural aspects of groups of users are among the key features of users’ design preferences, because each group’s preferences depend on various features that are culturally compatible. The process of integrating culture into the design of a system has always been an important ingredient for effective and interactive human computer interface. This study aims to investigate the design of a mobile health (mHealth) application user interface (UI) based on Arabic culture. It was argued that integrating certain cultural values of specific groups of users into the design of UI would increase their acceptance of the technology. Design/methodology/approach: A total of 135 users responded to an online survey about their acceptance of a culturally designed mHealth. Findings: The findings showed that culturally based language, colours, layout and images had a significant relationship with users’ behavioural intention to use the culturally based mHealth UI. Research limitations/implications: First, the sample and the data collected of this study were restricted to Arab users and Arab culture; therefore, the results cannot be generalized to other cultures and users. Second, the adapted unified theory of acceptance and use of technology model was used in this study instead of the new version, which may expose new perceptions. Third, the cultural aspects of UI design in this study were limited to the images, colours, language and layout. Practical implications: It encourages UI designers to implement the relevant cultural aspects while developing mobile applications. Originality/value: Embedding Arab cultural aspects in designing UI for mobile applications to satisfy Arab users and enhance their acceptance toward using mobile applications, which will reflect positively on their lives.</p

Explaining intention to use the Islamic credit card: an extension of the TRA model

Abstract Purpose – The Islamic credit card is a type of banking product offered by Islamic banks. Given the importance to the Islamic credit card to Islamic banks, the study is aimed at identifying the factors determining the Malaysian bank customers’ behavioral intention to use the Islamic credit card. Design/methodology/approach – Drawing upon the Theory of Reasoned Action (the TRA model), this study proposes a modified model to examine the acceptance factors of attitude, subjective norm and perceived financial cost within the Islamic credit card context. The study used multiple regression model in order to examine the impacts of these explanatory variables on the intention to use the Islamic credit card. The model is tested using survey data from 257 respondents. Findings – The results reveal that attitude, subjective norm and perceived financial cost significantly influence the Islamic credit card intention to use. Of these, attitude was first ranked factor explaining intention to use the Islamic credit card. Research limitations/implications – The research suffers from two limitations. The first limitation is related to the generalization of finding whilst the second limitation is related to the limited measures employed in the current work. Despite these limitations, this research is significantly contributed to the body of knowledge in the area of Islamic credit card, at least at exploratory level. Practical implications – Information gathered from the study will serve as a basis for more future works in the area of Islamic credit card. The theory developed in the current study’s model could also be generalized into other contexts of Islamic banking products and services. Practically, branch managers of Islamic banking institutions could of prime importance to extend the findings of the study for the better future planning of their Islamic credit card offerings. Originality/value – Importantly, the study extends the applicability of the TRA model into Islamic credit card context. Few studies have conducted over the years under this context in Malaysia.Islamic credit card, personal finance, Islamic bank, Malaysia

Mobile Banking Adoption among Asnaf for Efficiency in Zakat Management: Extended UTAUT2

The usage of financial technology has developed considerably in recent years. Its worldwide use in the financial sector is notable. Such as social finance, which includes zakat institutions. As a result, this research examines factors that could influence asnaf in Selangor, Malaysia, uses mobile banking for efficient zakat distribution. The Unified Theory of Acceptance and Usage of Technology (UTAUT) was employed and extended with additional components.  The primary analysis used the SEM approach for the principal analysis. It was found that religiosity, intention, facilitating conditions, and habit influence the use of mobile banking for zakat distribution. Keywords: Fintech; Mobile Banking; Zakat; UTAUT eISSN: 2398-4287 © 2022. The Authors. Published for AMER ABRA cE-Bs by e-International Publishing House, Ltd., UK. This is an open-access article under the CC-BY-NC-ND license (http://creativecommons.org/licenses/by-nc-nd/4.0/). Peer–review under the responsibility of AMER (Association of Malaysian Environment-Behaviour Researchers), ABRA (Association of Behavioural Researchers on Asians), and cE-Bs (Centre for Environment-Behaviour Studies), Faculty of Architecture, Planning &amp; Surveying, Universiti Teknologi MARA, Malaysia. DOI: https://doi.org/10.21834/ebpj.v7iSI7.376

The Role of Islamic Religiosity on the Relationship Between Risk, Trust, and Intention to Use Digital Payments During the COVID-19 Pandemic

There has been limited study on risk perception faced by digital payment customers, particularly during the COVID-19 pandemic, motivating this study to analyze the role of risk and trust on the intention and use of digital payments and confirm the moderating role of Islamic religiosity in the model. This study used the Partial Least Squares -Structural Equation Model (PLS-SEM) method, including a survey of 270 customers of three digital payment service providers: OVO, Gopay, and Dana. The key finding revealed that security and operational risks significantly impacted trust, even though they did not affect the intention to continue. Another significant result uncovered that Islamic religiosity moderated the effect of operational risk on trust. In this case, customers with a lesser religiosity level were more sensitive to the risk's impact. The significant contribution of this study is an expanding theory on the relationship between perceived risk, trust, and the use of digital payments. The study also offers recommendations to practitioners on managing risk and trust to increase the likelihood of using digital payment in the future. Furthermore, practitioners must consider religiosity regarding risk management, trust, and consumer protection

Continuous adoption of internet banking: evidence from Islamic banks in Malaysia

Drawing on UTAUT2 framework, this study aims to investigate the behavioural intention and adoption of internet banking (IB) among clients of local and foreign Islamic banks in Malaysia, using Partial Least Squares analysis. Survey questionnaires were distributed among the Islamic bank's clients at two main places (i) Klang Valley and (ii) Selangor and primary data was collected from 319 clients. The SmartPLS analysis yielded three main outcomes: 1) the variables such as performance expectancy, effort expectancy, price value, facilitating conditions and habit have a positive influence over the behavioural intention and subsequently lead to the adoption of IB. The other two variables, namely social influence and hedonic motivation were negatively related and insignificant for behavioural intention. Thirdly, we also noticed that facilitating conditions and habit have a direct relationship with the adoption of IB. The implications of these outcomes are discussed from theoretical and practical perspectives

WHY ARE YOUTH INTENT ON INVESTING THROUGH PEER TO PEER LENDING? EVIDENCE FROM INDONESIA

This study aims to analyse the factors that influence the intention of youths/millennials in Jakarta, the capital of Indonesia, to invest in Peer to Peer (P2P) lending. Due to the relative newness of P2P lending in Indonesia, the framework utilised is the Technology Acceptance Model (TAM), and the study involves around 400 youths, the majority of whom are Muslims. Further, the study employs Structural Equation Modelling (SEM) and logistic regression to analyse the influence of socio-demographic variables (gender, religion, marital status, education, employment, religion and income) on the intention to invest through P2P lending. The results of the study indicate that intention to invest in P2P lending is positively correlated and influenced by the attitude variable, which is itself influenced by factors including perceived ease of use, knowledge and trust in P2P lending. The results imply that the potential of youth to invest in P2P lending might be enhanced by improving technology (ease of use), literacy and trust in P2P lending. Moreover, it is suggested that those most interested in and more likely to invest through P2P lending are Muslims, have higher education and have higher incomes. With better literacy and marketing programmes, these groups could be targeted by P2P lending platforms to become potential investors. Lastly, the findings are expected to contribute to Islamic finance concepts and practices, particularly in the context of Indonesia

Determinants of customer's intention to use Islamic personal financing

This study investigates the determinants of customer‟s intention to use Islamic personal financing by measuring the following factors: attitude; social influence; religious obligation and pricing, on the intention to use Islamic personal financing. This research also examines the relationships between the customer‟s intention and its determinants. The sample comprised of 250 customers of full-fledged Islamic bank in Kedah which is Bank Islam Malaysia Berhad (BIMB) Alor Setar. Data were obtained through a face-to-face survey using structured questionnaire . Out of a total of 250 responses, only 200 responses were usable for further analysis. The study used correlation and regression to analyze the collected data. The study found three determinants to be significant in influencing the intention to use Islamic personal financing, namely, attitude, social influence and religious obligation. Apart from that, pricing of Islamic personal financing was found to be insignificant predictors. The findings of this study provide invaluable insights into factors affecting the bank customers‟ intention to use Islamic personal financing, especially in the case of Malaysian Islamic banks. This empirical study on the determinants of Islamic financing using the survey method contributes towards a better understanding of the customers‟ expectations for Islamic financial products. Managers of Islamic banks can now comprehend better the factors that influence bank customers‟ decision in patronizing Islamic personal financing. On the other hand, the findings of this study should be of value to Islamic banks in terms of expanding their customer base

Factors Determining the Purchase Intention of Bank Services in the Republic of Yemen

The issue of motivating consumers to use the banking system was solved in developed countries and in some Middle Eastern countries. However, it is still unpredictable in Yemen where the majority of the people do not use banking services to facilitate their financial needs. Therefore, it shapes a real problem and negatively impacted the Yemeni economy. This research project aimed to provide better awareness of the variables that might affect people to use the Yemeni banking system by applying the theory of reasoned action. This study is cross-sectional, 850 questionnaires were distributed to part time university students. Multiple regression analysis was conducted to determine the contribution of independent variables in predicting behavioral intention, the dependent variable. Moreover, hierarchical regressions were used to test the effect of trust as a moderator variable. Eight variables of attitude and subjective norm were significantly and positively influence university student's behavioral intention to use banking services namely, attitude toward bank usage, attitude towards banking services, attitude toward service quality, attitude towards banking legal framework, social influence, recommendation by others on bank services, and bank advertisement. On the other hand, cultural belief was significant but in the negative direction. As well as, student’s trust had a statistically moderating effect with only three out of eight variables on the behavioral intention namely attitude toward bank usage, recommendation by others on bank services, cultural belief. The study had a significant contribution to the academic understanding of consumer's behavioral intention in Yemen, which might guide bankers and policy makers to use the right strategy in order to attract more consumers to use the banking system

Jordanian Customers’ Intention Towards and Use of Internet Banking: Exploring Demographic Differences on Their Perception

This research aims to explore whether Jordanian customers’ perceptions on intention and use of Internet banking services varies according to their demographic characteristics. According to prior literature, there are five demographic factors; namely: age, gender, income, education and customers’ experience with the computer and Internet. These have been considered in the current study. The required data was collected from field survey questionnaires administered to a convenience sample of Jordanian banking customers. The main statistical results indicated that the customers’ perceptions on intention and usage of Internet banking are significantly different according to age, education, and their experience with the computer and Internet. Yet, there was no significant difference that could be attributed to gender. The results also suggest that even though the vast majority of the respondents have a higher willingness to adopt Internet banking, the actual usage rates of the most Internet banking (IB) services are too low. Theoretical contributions, implications, limitations and future research directions are also outlined

INTENTION TO USE MOBILE BANKING APPLICATION: GENDER-BASED

This research is aimed to examine the gender difference toward intention to use the mobile banking application in Semarang. Data is collected by self -  administered questionnaire, and pass over to bank customer which done their financial transaction by Automatic Teller Machine. The Sample used in this research is 50 respondents, consist of 30 male respondents and 20 female respondents who never have a mobile banking application before. The results of this study indicate that there is a gender difference in the intention to use mobile banking applications. On the other side, even it is easy to be used, female customers are not feeling the benefit offered, thus resistant to use mobile banking applications. This result brings another contradiction toward The Technological Acceptance Model. Data is examined by the SPSS application, and Mann – Whitney statistical model.Keywords: Mobile application; bank; gender differenc