Understanding Proximity Mobile Payment Adoption through Technology Acceptance Model and Organisational Semiotics: An Exploratory Study

Mobile technologies, in particular, smartphones are reshaping individual and organisational behaviour at different levels and pace. This research focuses on the multi-cultural use and acceptance of proximity mobile payment (m-payment) which is more prevalent in some countries than other countries. Previous analysis of m-payment adoption extended the Technology Acceptance Model (TAM) to include external factors of use and acceptance identified through Organisational Semiotics (OS). This paper presents the development of constructs and measurements based on the identified requirements for m-payment adoption. It also presents the exploratory study results to validate the salient factors. This study furthers m-payment research by addressing the technical and social aspects via TAM and OS, as well as identifying empirical factors to increase m-payment adoption in multi-cultural context

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

Mobile Banking: A Study on Adoption by Indian Users

Mobile Banking is one of the highly discussed topics of the times, with the exponential growth of mobile phones over the years and a teledensity of around 80% Banks are trying their best to enhance adoption of banking though mobile phones. Today with Mobile banking penetration of around 3% there is a huge market to be tapped in the country. With the burgeoning population the brick & mortar model of banking is difficult to pace with and Bankers are harping large on the adoption of mobile banking providing traditional banking to all would be too costly and may not be feasible. The review paper delves into the aspects of low mobile banking penetration and the factors impacting the adoption of Mobile banking in India, despite the high Teledensity & 49% Bank Penetration. Self efficacy, Apps compatibility, 24x7 hours availability have been found to build perception towards “Ease of Use”. Efficient transaction and Transaction cost, as primary factors leading to perception of “Usefulness” Privacy Risk & Transaction Risk have been found to be the primary factors leading to Risk Perception and accordingly influencing the adoption decision. The study proposes a model which is built upon the Technology Acceptance Model TAM. The findings from the study would provide the stakeholders in the Mobile banking domain with a better understanding of customer perceptions of mobile banking services and help them plan their marketing strategies and promotion approaches for mobile banking services in the future. Keywords: Mobile Banking, TAM, online banking, Smartphone banking, Banking penetration, TA

DETERMINANTS OF USERS’ WILLINGNESS TO USE MOBILE PAYMENT: AN EMPIRICAL STUDY IN TONGREN UNIVERISITY, CHINA

The purpose of this paper is to establish and assess the determinants of users’ willingness to use mobile payment: an empirical study in Tongren University, China. After conducting a rigorous literature review with theoretical underpinning, this research has come up with the proper methodology to move forward. According to the comprehensive guideline, the total number of Tongren College and Tongren Vocational College is more than 38,000, so the minimum sample is finally determined to be 380. Besides, after conducting Exploratory Factor Analysis (EFA), the measuring modelling was done by taking into account all the variables concurrently in order to verify the appropriateness of the overall model. All the hypotheses of this study have been tested through the application of SEM. For the overall model as a whole, the statistical result indicates a good fit. From the model, it can be seen that all the variables uphold a positive value. Findings revealed that perceived performance risk perceived financial risk and perceived privacy risk have substantial positive impacts on acceptance intention of mobile payment. Therefore, since a myriad of factors decides the attitude toward mobile payment use, further studies can also be developed by adding more constructs in the theoretical model in this paper.  Article visualizations

Exploring the Impact of IT Mindfulness on E-government Affordances: An Exploratory Study

Technological advancements have enhanced the delivery of goods and services in both the public and private sectors. The continued diffusion of diverse Internet-based innovations has increased the need for more research on citizen use and perceptions of technology services. In this study, we explore the role of IT mindfulness and extended use of technology on citizen use of e-government related systems’ affordances. To test the proposed model, we administered a survey to 108 U.S. citizens. The results indicate both IT mindfulness and extended use have a significant, positive impact on e-government systems’ related affordances. Implications for research and practice are discussed

A study on the adoption intention of cold chain prepared Dishes based on consumer orientation mentality

Background:  Cold chain prepared dishes, as a new type of food with low temperature and dual attributes, have attracted more and more attention from consumers. From the perspective of consumers' brand positioning mentality, this study integrated the brand, quality and other attributes of cold chain prepared vegetables, and studied the positioning mentality and adoption behavior of Chinese consumers   In this study, three cold-chain prefabricated dishes, "pickled cabbage fish", "tomato Braised beef brisket" and "Huangpi fishball", were selected as investigation objects. Contribution:  The contribution of this study is that different food value attributes explain the law of consumers' willingness to adopt cold chain prepared dishes through brand positioning mentality, and find out how different degrees of vulnerability and quality warranty Method:  Based on ZMET survey method, product effect data were used to analyze and verify structural equation model. Results:  Different value evaluation directly affects consumers' brand positioning mentality, brand positioning mind as an intermediate variable has a significant correlation with adoption intention. The degree of vulnerability moderates the relationship between value evaluation and brand positioning mentality, and the degree of warranty period regulates the relationship between quality value, brand positioning mentality and adoption intention respectively. Conclusion:  It also provides new marketing tools and theories for entrepreneurs and marketers in the cold chain food industry, which contributes to the promotion and diffusion of cold chain prepared food for consumer

Antecedents to the Adoption of Mobile Payment in China and Italy: an Integration of UTAUT2 and Innovation Resistance Theory

Open Access funding enabled and organized by Projekt DEAL.This research aims to investigate the adoption gap in mobile payment systems between Italy and China, focusing on users’ intention to adopt mobile payment. The theoretical framing considers both drivers and barriers when combines the unified theory of acceptance and use of technology 2 (UTAUT2) with innovation resistance theory (IRT). To empirically verify the proposed model, this study gathers primary data through a web-based, self-administered survey. To analyze the data, we use structural equation modeling, and to test for significant differences between the two groups we run multi-group analysis. The respondents in Italy and China present different behaviors. Social influence plays a significant role in cultures with high uncertainty avoidance, such as Italy. The tradition barrier is the only significant barrier to the adoption of mobile payment.Projekt DEA

A framework of mobile transaction use: the user’s perspective

The remarkable advances of mobile technologies and the prevalence of mobile devices have profoundly transformed telephony systems. They provide functionalities which surpass telephony needs, and which motivate the development of value-added mobile services and functions. The number of mobile phones in use far exceeds any other technical devices that could be used to market, sell, produce, or deliver products and services to consumers. These developments open lucrative opportunities to retailers and service providers. The literature highlights the fact that mobile transactions (m-transactions) are one of the most critical incentives for successful mobile commerce (m-commerce). However, the successfulness of m-transaction systems in Saudi Arabia requires a strong acceptance of the Saudi consumers. The importance of this study is accentuated by the fact that mobile commerce and its services are still in their infancy and there is still an apparent lack of acceptance of mobile transactions amongst Saudi users. Research needs to address the issue of acceptance of m-transactions from the user’s perspective, particularly within developing countries as they suffer from a noticeable lack of studies in this field. This research initially starts with a comprehensive literature review about the critical factors affecting the acceptance and use of electronic commerce (e-commerce), m-commerce and focuses on m-transactions, including different technology acceptance models and theories, helping to investigate whether there exists an effective comprehensive framework for adopting m-transactions within the context of Saudi Arabia and, more specifically, from a consumer’s perspective. Furthermore, to emphasize the true value measure of m-transaction, we must comprehend and evaluate the potency and limitations of mobile purchasing and the key factors affecting the m-transaction use decision. M-transactions hold a huge potential for online business and sales, but merely having an m-transaction service “hosted” on the World Wide Web (WWW) should not lead us to believe that customers will rush into mobile commercial websites for their desired products. Recognising that fact and realizing that there are different important factors and concerns over m-transactions playing a significant role, highlight the need for investigating and developing a framework that encompasses the critical factors affecting the intention to use m-transaction within the context of a Saudi consumer’s perspective. In order to achieve this goal, this study evolved in several stages aiming to reach a satisfactory level of maturity. These stages can be divided into three main phases: (1) exploratory phase which contains three exploratory studies which helped to add the cultural qualities as a further dimension that would play a significant role in such a unique cultural region. Consequently, a holistic framework is integrated that includes the key factors affecting the intention to use m-transactions. This framework is empirically validated in (2) a further study using a statistically representative sample size of 1008 Saudi users from different demographic backgrounds. The empirical analysis revealed that security, ease of use, usefulness, social influence, navigational structure, telecommunication infrastructure, individualism, masculinity, power distance, uncertainty avoidance, and visual appeal have a significant impact on the intention to use m-transactions. Amongst those factors, ease of use was the most significant influential factor. Therefore, this led to (3) another study aiming to empirically investigate the level of ease of use (usability) of conducting m-transactions within the Saudi context. In total, this research comprised five different empirical studies to extend our understanding of the phenomenon of m-transactions. The ultimate product of this research is to develop a consolidated framework for the intention to use m-transactions, combined with a set of recommendations for mobile websites and application developers, designers, government, and other organizations that intend to extend their business in the mobile commerce area, and this should eventually benefit the users

Advance care planning preferences in Hong Kong:A cross-sectional study in a community

(1) Background: Hong Kong is experiencing population aging, but there is little research on advance care planning. This research asks for community-dwelling older adults’ views on advance care planning in order to provide a different angle to the results collected from nursing homes and hospitals. (2) Methods: The targeted respondents were people aged 55 or above. A total of 282 questionnaires were collected using the random sampling method. Respondents were asked whether they would make an advance care plan, whether they would prepare for their death, and whether they had received any death education; they were also given eight statements related to treatments and decision making. (3) Results: The study found that only 17% of the respondents would like to use advance care planning, even after it was explained to them. Advance care planning favorers would be more likely to insist on having wills and would be more likely to trust doctors rather than family members. (4) Conclusions: The results also suggested that the medical care and social support for end-of-life patients should be improved. The results also showed the importance of medical professionals as they showed that respondents wanted advice on end-of-life decision-making from medical professionals