Exploring user behaviours on mobile technologies combined with payment functions during the COVID-19 pandemic

A thesis submitted in partial fulfillment of the requirements for the degree of Doctor in Information Management, specialization in Information TechnologiesWith the extensive spread of smart mobile devices, mobile technologies and services have revolutionised and pervaded significantly in most aspects of human life, such as social communication, commerce, entertainment, etc. Various industries have integrated services and products with mobile financial transaction technologies, facilitating the payment services combined with various mobile applications. The wide adoption of mobile transactions has increased the efficiency of transaction processes, met the expectations of customers and the requirements of enterprises, and supported the social-economic development in different scenarios, especially under the pandemic situation. Understanding mobile device users’ perceptions and behaviours on mobile technologies combining payment functions under the COVID-19 pandemic situation has reinforced the need to embark on a deeper investigation of customer behaviours during the pandemic. For these reasons, this study contributes to the advancement of knowledge and implementation methods for a better understanding of the determinants of customers’ behavioural intentions of using mobile technologies combined with payment functions in a total of seven separate studies. The investigation begins with a systematic literature review on mobile payment studies presented in chapter two. This research is augmented by investigating users’ continuance usage intention of mobile payments under the COVID-19 pandemic in chapter three. The fourth chapter analyses the determinants of continuance usage intention of food delivery apps during the pandemic. Chapters five and six present two theoretical development studies about the Unified Theory of Acceptance and Use of Technology (UTAUT) and UTAUT2, respectively. The seventh chapter investigates customers’ psychological shopping processes via live-streaming shopping apps during the pandemic lockdown period. In epistemological terms, this study involved conjoint positivist and interpretivist research in behavioural information systems research. A qualitative research method was applied in chapters two, five and six, and a quantitative research method was implemented in the third, fourth and seventh chapters. The main theoretical foundations applied and validated in three empirical studies were UTAUT and UTAUT2. Specifically, chapter three integrates UTAUT with Mental Accounting Theory, the fourth chapter combines UTAUT with the Expectancy Confirmation Model, and chapter seven integrates UTAUT2 with the Stimulus-Organism-Response framework and Flow theory. This study found that performance expectancy, social influence, and trust significantly affect users’ behavioural intentions in all three empirical studies. Customers’ mental cognitions, such as perceived benefits, satisfaction, flow and perceived value, positively formulate users’ behavioural intention in the three studies, respectively. Hedonic motivation and flow significantly influence users' behavioural intention when mobile technologies contain payment and entertainment features. Moreover, this study contributes several theoretical and practical implications. This study facilitates the advancement of knowledge of mobile technologies adoption through three verified theoretical frameworks and two proposed developed theoretical models and appropriate measurement methods. Meanwhile, this study supports relevant stakeholders in mobile technologies, enterprises, policymakers, service providers, and marketing departments with valuable findings and discussions for comprehensively understanding the determinants of customers’ behaviours on mobile technologies combined payment function

Mobile Banking Adoption Among Rural Consumers: Evidence from India

Recently, Financial Inclusion has received greater attention, as it is a key to economic growth and equality, growth of the business, and stability of financial and banking systems. In the process of understanding how technology is useful for financial inclusion, the study tries to understand the elements that prompt the perceived acceptability of mobile banking among the low income and low literate stratum. To explore these elements, the current piece of work utilized the Unified theory of acceptance and use of technology and with the addition of component of perceived risk. The research utilized convenience sampling to collect data from the respondents having Jan Dhan account. The results show that performance expectancy, effort expectancy, social influence, and perceived risk have a significant influence on intention to use mobile banking among financial inclusion stratum. Surprisingly, the facilitating conditions were found insignificant. The outcomes of the research can guide banks and technology houses to develop a more user-acceptable mobile banking system. Also, the outcome will help policymakers to enhance mobile banking system adoption for financial inclusion by considering influencing elements

Factors Affecting the Adoption of Mobile Commerce (A Study on SMEs in Malang)

This study aims at analyzing and explaining factors affecting the adoption of mobile commerce by integrating the variables of Unified Theory of Acceptance and Use of Technology (UTAUT) and Task Technology Fit (TTF). The subjects of the study are owners of SMEs being members of the Chamber of Trade and Industry Malang. The population of the study is 103 owners of SMEs while the sample consists of 97 owners of SMEs. The inferential analysis technique used in this study is Generalized Structured Component Analysis (GSCA). The results of the study show that out of 8 hypotheses, 5 of which are significant and 3 of which are non-significant. The hypotheses resulting in significant effect are performance expectancy, effort expectancy, and fit toward behavioral intention, as well astask characteristic toward fit and behavioral intention toward adoption. The hypotheses with non-significant effect are social influence and facilitating condition toward behavioral intention as well as technology characteristic toward fit. Keywords: SMEs, Mobile Commerce, UTAUT 1, and TT