The Effect of Perceived Risks on Users’ Intention toAdopt Location Based Service

With the development of 3G and a growing scale of mobile terminal holders, location based service (LBS) has the very broad market prospect. But now whether from the perspective of the cognitive degree or market scale, the application status of location based service are not satisfactory. At present, researches mostly stagnate in technical level, and less on consumers’ behavior. In this paper, we establish the research model of consumers’ intention to use location based service from the angle of perceived risks and apply the empirical test. The results of the study show that perceived service business risks, perceived service product risks and perceived financial risks have significant negative influence on users’ intention to adopt LBS. In addition, whether the users have experience of using the LBS will influence usage intention to some extent. Overall, the results of this study can help mobile agents understand the sources of business risks, so that they can regulate their own behavior, formulate rational policy and eliminate the risks in order to promote the long-term development of LBS

Determinants of the intention to adopt digital-only banks in Malaysia: The extension of environmental concern

Digital-only banks have not achieved adoption expectations despite being one of the latest innovations in fintech. Several digital-only banks in the United States and Japan have gone bankrupt, and others continue to operate at a loss. Therefore, it is imperative to conduct this study in Malaysia to understand customers’ behavior, particularly regarding the adoption of digital-only banks. With climate change, environmental-friendly behavior, which has been ignored in digital-only bank literature, is becoming increasingly pertinent. This study addresses the lack of an integrated model that investigates the effect of external factors (i.e., critical mass, number of services, and environmental concerns), customer self-determination factors (i.e., trust), and mental perceptions of technology adoption (i.e., convenience, economic efficiency, functional and security risks, as well as perceived value) on the intention to adopt digital-only banks. Data were collected through an online survey targeting Klang Valley residents in the prime age range of 25–54 years old using stratified random sampling. The data was analyzed using structural equation modeling by performing confirmatory factor analysis (CFA) and SEM path analysis in AMOS.v26 software. The results show that convenience, economic efficiency, number of services, trust, perceived value, and environmental concern all have positive significant relationships with the intention to adopt digital-only banks. Further, environmental concern is the strongest indicator of behavioral intention. In contrast, functional and security risks have a negative but non-significant relationship with the intention to adopt digital-only banks. Finally, critical mass has a positive but non-significant effect on the behavioral intention. This study is among the first to examine the influence of environmental concern on behavioral intentions in a digital-only banking context. It also contributes to an expanding body of research investigating environmental sustainability by presenting empirical results in the context of digital-only banks

User Intensions towards Mobile Money Service Adoption in Ethiopia

In recent times, mobile money services have become a fashioned services following to the rapid development of mobile technologies and increasing demand for cashless business transactions. Such demand has also ushered a new era to the banking industry and bank users.  However, the bank users’ intensions to adopt the services, particularly in Ethiopia, were not studied yet. To fill this study gap, data was collected from 384 users of banks branching in Addis Ababa and analyzed by integrating the modified extended unified theory of acceptance and use of technology (UTAUT2) and with the structural equation model. According to the path analysis, the study found performance expectancy, effort expectancy, facilitation conditions (infrastructure), hedonic motivation and price value to be a positive and strong predictor of the bank user’s behavioral intension to adopt the mobile money services followed by the exogenous predictors such as perceived security and trust on the technology. Another interesting finding is that the users’ behavioral intention to adopt such services is significantly transformed in to actual behavior. But, none of the moderating variables have significant effect on the users’ behavioral intension to adopt the services and they are excluded from the path.  Based on the finding, the study advices the mobile money service providers to use an aggressive approach to strengthen positive trust drivers, eliminate insecurity dimensions, and design aesthetically appealing services with a state-of-the-art technology which have multi-purpose operational interfaces. Keywords: Mobile money,  UTAUT2, Users intension, Banking in Ethiopia DOI: 10.7176/IKM/12-5-01 Publication date:September 30th 202

MGAUM—towards a mobile government adoption and utilization model: the case of Saudi Arabia

This paper presents a proposal for a mobile government adoption and utilization model (MGAUM), which is a framework designed to increase the adoption rate of m-government services in Saudi Arabia. Recent advances in mobile technologies such are Mobile compatibilities, The development of wireless communication, mobile applications and devices are enabling governments to deliver services in new ways to citizens more efficiently and economically. In the last decade, many governments around the globe are utilizing these advances effectively to develop their next generation of e-government services. However, a low adoption rate of m-government services by citizens is a common problem in Arabian countries, including Saudi Arabia. Yet, to our knowledge, very little research has been conducted focused on understanding the factors that influence citizen adoption of these m-government services in this part of the world. A set of social, cultural and technological factors have been identified in the literature, which has led to the formulation of associated research questions and hypotheses. These hypotheses will be tested on Saudi citizens using questionnaires and interview methods based around the technology acceptance model. A key objective of the MGAUM framework is to investigate and understand Saudi citizens perception towards adoption and utilization of m-government services

Security risks and user perception towards adopting Wearable Internet of Medical Things

The Wearable Internet of Medical Things (WIoMT) is a collective term for all wearable medical devices connected to the internet to facilitate the collection and sharing of health data such as blood pressure, heart rate, oxygen level, and more. Standard wearable devices include smartwatches and fitness bands. This evolving phenomenon due to the IoT has become prevalent in managing health and poses severe security and privacy risks to personal information. For better implementation, performance, adoption, and secured wearable medical devices, observing users’ perception is crucial. This study examined users’ perspectives of trust in the WIoMT while also exploring the associated security risks. Data analysed from 189 participants indicated a significant variance (R2 = 0.553) on intention to use WIoMT devices, which was determined by the significant predictors (95% Confidence Interval; p < 0.05) perceived usefulness, perceived ease of use, and perceived security and privacy. These were found to have important consequences, with WIoMT users intending to use the devices based on the trust factors of usefulness, easy to use, and security and privacy features. Further outcomes of the study identified how users’ security matters while adopting the WIoMT and provided implications for the healthcare industry to ensure regulated devices that secure confidential data

Fintech services and the drivers of their implementation in small and medium enterprises

Fintech has been one of the biggest agents of change in the financial sector worldwide, deserving an in-depth analysis as the aim of this study (including factors leading to its adoption, consequences, etc.). During the COVID-19 pandemic, the financial area and Fintech services allied to technology has increased efficiency, convenience, and security. To better understand this type of service, the research follows a quantitative methodology. The quantitative method included a questionnaire survey of companies that are Fintech customers, totaling 49 valid responses from firms (collected over a three-month period and which involved sending over a thousand emails to numerous companies). The response rate was low due to both the pandemic and the conjuncture with major war, which are generating uncertainty in business. The analysis was based on descriptive statistics, an assessment of the metric qualities of the scales, reliability and an Exploratory Factor Analysis, Pearson correlations and Hypothesis testing. The positive and significant effect of the technological context (perceived convenience, usefulness and effectiveness and perceived safety and trust) and the organizational context (ecological footprint reduction and internal cost reduction) on Fintech service adoption intention was confirmed. Hypothesis Three was partially confirmed since only consumer trends and reputation perception have a positive and significant effect on the intention to adopt Fintech by SMEs. The moderating effect of the environmental context in the relationship between the technological context and the intention to adopt Fintech by SMEs was partially proven, but the same was not verified in the relationship between the organizational context and the intention to adopt Fintech by SMEs. Portugal seems to be on the same adoption path as the rest of the western world, and Fintech services will undoubtedly increase, in a kind of revolution in which the strongest and those able to adapt to the markets and their needs will survive.info:eu-repo/semantics/publishedVersio

From the household to watershed: A cross-scale analysis of residential intention to adopt green stormwater infrastructure

Improved stormwater management for the protection of water resources requires bottom-up stewardship from landowners, including adoption of Green Stormwater Infrastructure (GSI). We use a statewide survey of Vermont paired with a cross-scale and spatial analysis to evaluate the influence of interacting spatial, social, and physical factors on residential intention to adopt GSI across a complex social-ecological landscape. Specifically, we focus on how three GSI practices, (“rain garden (bio retention),” “infiltration trenches,” and “actively divert roof runoff to a rain barrel/lawn/garden instead of the street/sewer”) vary with barriers to adoption, and household attributes across stormwater contexts from the household to watershed scale. Private landowners, who may be motivated more by on-site and neighborhood stormwater problems, may gravitate toward practices like infiltration trenches compared with practices (e.g., rain gardens) perceived to serve stormwater function over larger areas. Diversion of roof runoff was found to be more likely to be a part of a larger assembly of green behaviors. Improved stormwater management outcomes at the watershed, town, neighborhood, and household levels depend on adaptive approaches and adjusting strategies along the rural-urban gradient, across the bio-physical landscape, and according to varying norms and institutional arrangements

How the introduction of the COVID-19 tracing apps affects future tracking technology adoption

Purpose Studies on the coronavirus disease 2019 (COVID-19) tracing apps have mostly focused on how to optimize adoption and continuous use, but did not consider potential long-term effects of their introduction. This study aims to analyse whether the characteristics of the recent introduction of tracing apps may negatively impact individuals' attitudes and intentions to adopt future tracking technology. Design/methodology/approach In an online experiment across three countries (Australia, Germany, UK), the authors measured how perceived benefits of COVID-19 tracing apps as well as specific government and campaign-related factors affect privacy concerns, attitude towards future tracking apps and intention to adopt. The authors manipulated the type of provider (governmental vs private) and the type of beneficiaries of the future tracking technology app (the individual alone or also the public) as determinants of adoption. Findings The authors find that privacy concerns towards the COVID-19 tracing apps negatively impact attitude and intention to adopt future tracking apps. Future adoption is more likely if the app is provided by the government, whereas additional benefits to the public do not positively stimulate adoption. Second, the study analyzed different factors, including perceptions on governments and the app introduction, as well as perceived benefits. Originality/value Taking the introduction of COVID-19 apps in different countries as a basis, the authors link both perceived benefits and contextual factors to privacy concerns, attitudes towards and intention to adopt the related technology in the future. The authors hereby clarify the responsibility of governmental actors who conduct large-scale technology introductions for the future diffusion of related technologies

Pre- And post-adoption beliefs about the diffusion and continuation of biogas-based cooking fuel technology in Pakistan

A high level of acceptance and adoption is necessary to facilitate the widespread utilization of renewable energy technologies for cooking, as such utilization is essential for displacing the population's massive dependence on fossil fuels and solid biomass. Economic and demographic aspects have been the focus of recent literature in exploring the adoption phenomenon of biogas technology. However, literature to date has given little attention to the behavioral factors and the perceptions of the end-users. Our study does not only include behavioral factors, but it employs a hybrid model to explore the continued attentions of users based on their post-adoption beliefs and performance expectations. Using a survey conducted in Pakistan in 2017, the study conducts a multivariate analysis through structural equation modeling to measure the effect of pre- and post-adoption beliefs and expectation on adoption and the continuing intention of households towards biogas technology. Results show that the acceptance of the households towards biogas technology is highly influenced by their perceptions on the benefits, as well as their trust in the technology. The perceived cost and risk attached to the technology are found to be negatively correlated with the acceptance. Households' intentions to continue the use of biogas technology is highly influenced by the satisfaction level of the users of biogas technology. With the integrated model of adoption and continuation, the study illustrates the dynamic process in obtaining a deeper understanding of a user's behavior to better formulate the policies for increasing the rate of technology adoption