Pengaruh keamanan, kepercayaan, dan risiko terhadap penggunaan layanan mobile banking pada mahasiswa di Kota Malang

This research aims to analyze the influence of security, trust and risk on the use of sharia mobile banking services among students in the city of Malang. The research method used is associative quantitatie. The data used in this research is primary data in the form of a questionnaire with a sample size of 103 respondents which was distributed to students in the city of Malang. The analysis techniques used in this research are validity test, reliability test, classical assumption test, multiple linear regression test and hypothesis test using SPSS version 25 software. The results of the research show that the trust and risk variables partially have a significant effect on the use of mobile banking services. Meanwhile, the partial security variable does not have a significant influence on the use of mobile banking services

Investigating Behavioural Intention Toward Adopting Artificial Intelligence Service Robots Technology in Hospitality in China

The pandemic accelerated the blooming of service robots in the hospitality industry in recent years in China. The researcher drew upon extended UTAUT2 theory and satisfaction to construct the conceptual framework and spent time on smartphones as mediating and moderating roles. Besides, IBM SPSS and SmartPLS were conducted to analyse the collected data with 310 valid responses through questionnaires. The results of this study contributed practical insights for relevant governmental departments and hotel operators as well as restaurant managers in their decision-making on whether to adopt AI unmanned services in the hospitality industry in China

Exploring factors and the role of environmental responsibility in m-banking adoption: A systematic review

Due to the digital revolution and the Covid-19 pandemic, banking institutions are compelled to adapt by incorporating innovative technologies for their digital transformation. In this review, we have synthesized available studies addressing the impact of environmental responsibility on the behavior of banking customers in the adoption of m-banking. To accomplish this, a systematic review was conducted following the four-step PRISMA process to identify references published in the last decade. Investigations were carried out in the Scopus and Science Direct databases. Insights into mobile banking adoption were obtained through bibliometric analysis using NVivo10. TAM and UTAUT are widely recognized as two robust frameworks for predicting the acceptance of technological innovations. Several variables such as ease of use, perceived usefulness, facilitating conditions, trust, etc., are important in predicting the usage of m-banking applications. In the context of future research, it is advisable to consider mixed methods for a better understanding of user behavior. The inclusion of unpublished studies and expanding research scope to developing countries like Morocco are also crucial for capturing the challenges specific to these contexts

Estudio del efecto moderador en una localidad encuestada sobre la intención de adopción de M-Commerce

Introduction: The present research was conducted at the University of Delhi in 2018. Problem: With the increase in usage of internet technology through wireless devices, the relevance of m-commerce has amplified. In a developing country like India, the rural and urban population is not equally divided on the use of m-commerce and this demands a detailed study regarding this problem.  Objective: The study aims to determine the factors that influence the m-commerce adoption intention of customers and how the effect varies over rural and urban populations. Methodology: This study combines the TAM and UTAUT model to consider the determinants as perceived ease of use, perceived usefulness, perceived risk, perceived cost, social interaction, and facilitating conditions, taking the endogenous variable as intention to adopt m-commerce.     Results: The results of PLS-SEM accepted the hypotheses underlying the model and also validated the moderating role played by a respondent’s locality over the intention to adopt m-commerce. Conclusion: The proposed model was validated by using PLS-SEM approach on a sample size of 200 collected from the urban and rural areas of Delhi NCR. Moreover, the moderating effect of a respondent’s locality was observed over adoption intention. Originality: With the advancement in technological infrastructure and improvement in mobile data facilities, customers have shown enthusiasm towards making online transactions using their phones. The advantage of mobile commerce over computer based electronic commerce is its mobility. Extant research has shown interest in studying the adoption intention of mobile commerce, based on determinants from the TAM or UTAUT model or their combinations. This study combines both models to choose the determinants of mobile adoption intention.  Limitation: Further studies can be conducted by considering other combinations of determinants and extending the model to incorporate the loyalty measures.Introducción: la presente investigación se realizó en la Universidad de Delhi en 2018. Problema: con el aumento en el uso de la tecnología de Internet a través de dispositivos inalámbricos, larelevancia del comercio móvil se ha ampliado. En un país en desarrollo como India, la población rural y urbana no está dividida por igual en el uso del comercio móvil y esto exige un estudio detallado sobre este problema. Objetivo: el estudio tiene como objetivo determinar los factores que influyen en la intención de adopción deM-Commerce de los clientes y cómo varía el efecto sobre las poblaciones rurales y urbanas.Metodología: este estudio combina el modelo TAM y UTAUT para considerar los determinantes como facilidad de uso percibida, utilidad percibida, riesgo percibido, costo percibido, interacción social y condiciones facilitadoras, tomando la variable endógena como intención de adoptar el comercio móvil. Resultados: los resultados de PLS-SEM aceptaron las hipótesis subyacentes al modelo y también validaronel papel moderador desempeñado por la localidad del encuestado sobre la intención de adoptar el comerciomóvil. Conclusión: el modelo propuesto fue validado utilizando el enfoque PLS-SEM en un tamaño de 200 muestras recolectadas de las áreas urbanas y rurales de Delhi NCR. Además, el efecto moderador de la localidad del encuestado se observó sobre la intención de adopción. Originalidad: con el avance en la infraestructura tecnológica y la mejora en las instalaciones de datos móviles, los clientes han mostrado entusiasmo por realizar transacciones en línea usando sus teléfonos. La ventaja del comercio móvil sobre el comercio electrónico basado en computadora es su movilidad. La investigación existente ha mostrado interés en estudiar la intención de adopción del comercio móvil, basada en determinantes de la intención de adopción móvil

Analisis Faktor Kegunaan Kepercayaan Dan Resiko Yang Berhubungan Dengan Minat Penggunaan Mobile Banking Pada Generasi Mileneal (Studi Kasus Pada Mahasiswa Fakultas Ekonomi Dan Bisnis Islam Uin Sumatera Utara)

Penelitian ini bertujuan untuk mengetahui Pengaruh Kegunaan, Kepercayaan, Dan Resiko Terhadap Minat Penggunaan Mobile Banking Pada Generasi Mileneal (Studi Kasus Pada Mahasiswa Fakultas Ekonomi Dan Bisnis Islam UIN Sumatera Utara). Penelitian ini menggunakan metode kuatitataif dan pendekatan asosiatif, teknik pengumpulan data dengan menggunakan kuisioner serta populasi dan sampel dalam penelitian ini sebanyak 83 orang Mahasiswa Perbankan Syariah FEBI UIN Sumatera Utara dengan menggunakan teknik Purposive Sampling. Data dianalisis dengan metode regresi linear berganda. Hasil dari penelitian ini menunjukkan bahwa Kegunaan berpengaruh signifikan terhadap Minat Penggunaan Mobile Banking, Kepercayaan berpengaruh signifikan terhadap Minat Penggunaan Mobile Banking, dan Resiko juga berpengaruh signifikan terhadap Minat Penggunaan Mobile Banking. Serta dari hasil Uji F (Uji Simultan) menunjukkan bahwa Kegunaan, Kepercayaan, dan Resiko berpengaruh secara simultan terhadap Minat Penggunaan Mobile Banking

How relevant are risk perceptions, effort, and performance expectancy in mobile banking adoption?

This article provides a comprehensive overview of the adoption process using evidence from m-banking adoption in Pakistan. A survey design was used and 189 responses were received from across Pakistan and analyzed using Smart PLS application. Findings suggest that research on the effect of risk in the adoption process remains inconclusive. Contrarily, consumers have overcome many fears due to the usefulness, indispensability, high security features, and effort expended in the use of financial services delivered through m-banking. Perceived risk's (PR) direct influence was found to be generally weak. However, PR plays a major role in the pre-adoption process because it's weak and direct inhibiting influence become an “enhancer” in the association between effort expectancy (EE) and the three key TAM/UTAUT constructs [performance expectancy (PE), attitude (ATT), and adoption intention (INT)]. Most importantly, the role of EE as a strong driver of PE, ATT, INT, and its significant interaction with PR highlights the unique role that both risk and EE play in the adoption process.peerReviewe

How Relevant Are Risk Perceptions, Effort, and Performance Expectancy in Mobile Banking Adoption?

This article provides a comprehensive overview of the adoption process using evidence from m-banking adoption in Pakistan. A survey design was used and 189 responses were received from across Pakistan and analyzed using Smart PLS application. Findings suggest that research on the effect of risk in the adoption process remains inconclusive. Contrarily, consumers have overcome many fears due to the usefulness, indispensability, high security features, and effort expended in the use of financial services delivered through m-banking. Perceived risk's (PR) direct influence was found to be generally weak. However, PR plays a major role in the pre-adoption process because it's weak and direct inhibiting influence become an “enhancer” in the association between effort expectancy (EE) and the three key TAM/UTAUT constructs [performance expectancy (PE), attitude (ATT), and adoption intention (INT)]. Most importantly, the role of EE as a strong driver of PE, ATT, INT, and its significant interaction with PR highlights the unique role that both risk and EE play in the adoption process

An exploration into people’s perception and intention on using cryptocurrencies

The cryptocurrency market has been described as revolutionary due to the constant technological evolution and innovation that the blockchain technology provides. Leading many to believe that this could be the next step for the human race, just like how fiat currency replaced gold. Cryptocurrencies were originally created to be a form of savings or income for the unbanked, reduce costs and energy consumption, for a means of data transparency and to remove financial intermediaries. It is undeniable that the cryptocurrency market has created a divide of opinions, as some look to explore the market further while others reject the thought of adopting this innovative technology completely. This study focuses on the perception and intention to use cryptocurrencies. Diving into previous literature about the adoption of cryptocurrencies and new technologies. Highlighting key factors that can affect an individual’s perception and gaps in the literature that need to be explored further. A quantitative approach was used to gather data from 102 participants. The findings indicated that performance and effort expectancy as the most influential variables for cryptocurrency adoption, as people seek understanding as what benefits cryptocurrencies can provide for them when they feel incapable of using the innovative technology