THE role of the technology acceptance model in information systems research: a case study

Explaining the factors that lead to use and acceptance of information technology (IT), both at individual and organizational levels, has been the focus of information systems (IS) researchers since 1970s. The Technology Acceptance Model (TAM) is known as such an explanatory model and has increasingly gained recognition due to its focus on theories of human behaviour. Although this model has faced with some criticism in terms of not being able to fully explain the social-technical acceptance of technology, it is still known as one of the best IS methodologies that contributes greatly to explaining it. This paper discusses, describes and explains TAM as one of the well-known information system research methodologies and attempts to demonstrate how this model can be applied in practice in IS research projects. TAM is widely used in different areas of IS studies such as e-commerce, e-business, multimedia and mobile commerce. This paper shows how TAM can be applied in an IS research project by referring to a case study conducted in the area of mobile banking in the UK. This paper aims to contribute to IS research by providing an informed criticism of TAM as well as a clear proposal on how to use it

Examining Trust in Information Technology Artifacts : The Effects of System Quality and Culture.

The topic of trust in information technology (IT) artifacts has piqued interest among researchers, but studies of this form of trust are not definitive regarding which factors contribute to it the most. Our study empirically tests a model of trust in IT artifacts that increases our understanding in two ways. First, it sets forth two previously unexamined system quality constructs-navigational structure and visual appeal. We found that both of these system quality constructs significantly predict the extent to which users place trust in mobile commerce technologies. Second, our study considers the effect of culture by comparing the trust of French and American potential users in m- commerce technologies. We found that not only does culture directly affect user trust in IT artifacts but it also moderates the extent to which navigational structure affects this form of trust. These findings show that system quality and culture significantly affect trust in the IT artifact and point to rich possibilities for future research in these areas.Commerce mobile; Systems use; System quality; Navigational structure; Mobile commerce; M-commerce portals;

A Meta Analysis on Adoption of Mobile Financial Services

During the last decade, there has been tremendous growth in mobile penetration in many countries across the globe including a number of developing countries. The total number of mobile subscription 5 billion by the end of 2010 and is further expected to grow multi-folds. On the other hand, around 2.5 billion adults worldwide do not have a savings or credit account with either a regulated bank or alternative financial institution (such as a microfinance institution). Around one billion people in emerging markets have a mobile phone but no access to banking services. This scenario has opened immense opportunities for organizations including banks, insurance companies and telecom operators to strengthen their customer base and increase revenue by providing various financial services to the consumers through mobile technology. Hence, it becomes very important to understand the factors that would act as drivers or inhibitors towards the adoption of mobile financial services (MFS). Quite a few studies have been conducted across the globe to determine the factors affecting adoption of MFS. This paper provides a Meta analysis of the existing academic literature on MFS and determines the strength of the factors and their linkages through a scoring model based on the type of publication. The findings of the study would be beneficial for further research in understanding the dimensions to be considered for developing adoption model for MFS. The findings can also be used by the practitioners involved in MFS in understanding the factors affecting demand for such services.

A Review of Key Factors Affecting Consumers\u27 Adoption and Usage of Self-Service Technologies in the Tourism Sector

During the past ten years self-service technologies (SSTs) have attracted research attention especially in the banking, retail and airline sectors. The infusion of technology in the service encounter has been identified as being advantageous to both the service provider and the consumer, provided that SSTs gain adoption among consumers. In light of the importance of consumer participation in SSTs, this paper reviews the state of the SST adoption literature in an attempt to identify the most important influencing factors. Seven factors emerged as the ones of key research interest in the literature and they are discussed in more detail. These include risk, trust, perceived ease of use, perceived usefulness, technology readiness, preference for personal contact and demographic variables

TRUST IN ELECTRONIC-SERVICE PROVIDERS: A META- ANALYSIS OF ANTECEDENTS

Consumers\u27 trust beliefs are considered amongst the most important psychological states influencing their online behaviour. Understanding the antecedents of consumer trust is thus of both academic and practical interest. Research into these antecedents has however been disconnected, and has not been integrated to provide an answer as to which are the most significant antecedents of trust. To address this problem, we synthesized the antecedents of trust in e-service through a meta-analysis of 59 previously published studies. The findings showed that structural assurance (STA), reputation (REP), and perceived usefulness (PU) demonstrate the strongest effect sizes on trust. Furthermore, vendor size (SIZ) and privacy protection (PRC) also affect trust, but to a lesser degree. We considered explanations for identified heterogeneity in effect sizes through moderator analysis. We found that cultural context of the study moderated all the effect sizes, and certain effect sizes were also moderated by factors such as the type of e-service and the use of student samples. Results are important to guiding future e-services research

UNDERSTANDING CONSUMERS\u27 TRUST IN INTERNET FINANCIAL SALES PLATFORM: EVIDENCE FROM “YUEBAO”

Obtaining consumers’ trust is one of the crucial objectives of online transaction success. In the context of Internet finance, trust becomes the focus of scholars’ research in different fields. In previous studies, trust has been investigated in psychology, sociology, economics and many other disciplines. Since the Internet emerge in human’s daily life, a steam of literature shed light on consumers’ trust based on Internet. Now, Internet finance has become popular in ordinary people’s lives. So, it’s essential to understand consumers’ trust in Internet financial sales platforms. In this paper, we investigate consumers’ trust with the data collected from “Yuebao” users in China, and adopt six factors after reviewing prior related studies. The factors are clustered in two resources. Resource theory is employed to generate the proposed research model. Finally, we find that perceived ease of use, perceived benefit, perceived security control and third-party guarantees have significant effects on consumers’ trust, while perceived credibility and network size are not significant related to trust. The results of this study provide directions for system administrators and service providers to achieve higher levels of micro-blog usage by developing multi-faceted strategies to enhance users’ perceived trust toward the platforms

Toward Universal Broadband in Rural Alaska

The TERRA-Southwest project is extending broadband service to 65 communities in the Bristol Bay, Bethel and Yukon-Kuskokwim regions. A stimulus project funded by a combination of grants and loans from the Rural Utilities Service (RUS), TERRA-Southwest has installed a middle-mile network using optical fiber and terrestrial microwave. Last-mile service will be through fixed wireless or interconnection with local telephone networks. The State of Alaska, through its designee Connect Alaska, also received federal stimulus funding from the National Telecommunications and Information Administration (NTIA) for tasks that include support for an Alaska Broadband Task Force “to both formalize a strategic broadband plan for the state of Alaska and coordinate broadband activities across relevant agencies and organizations.” Thus, a study of the impact of the TERRA project in southwest Alaska is both relevant and timely. This first phase provides baseline data on current access to and use of ICTs and Internet connectivity in rural Alaska, and some insights about perceived benefits and potential barriers to adoption of broadband. It is also intended to provide guidance to the State Broadband Task Force in determining how the extension of broadband throughout the state could contribute to education, social services, and economic activities that would enhance Alaska’s future. Results of the research could also be used proactively to develop strategies to encourage broadband adoption, and to identify applications and support needed by users with limited ICT skills.Connect Alaska. The National Telecommunications and Information Administration. General Communications Incorporated.Part 1: An Analysis of Internet Use in Southwest Alaska / Introduction / Previous Studies / Current Connectivity / Analytical Framework and Research Methodology / Demographics / Mobile Phones: Access and Use / Access to the Internet / Internet Useage / Considerations about Internet Service / Interest in Broadband / Sources of News / Comparison with National Data / Internet Use by Businesses and Organizations / What Difference may Broadband make in the Region? / Conclusiongs / Part 2 Literature Review / Reference

Semantic discovery and reuse of business process patterns

Patterns currently play an important role in modern information systems (IS) development and their use has mainly been restricted to the design and implementation phases of the development lifecycle. Given the increasing significance of business modelling in IS development, patterns have the potential of providing a viable solution for promoting reusability of recurrent generalized models in the very early stages of development. As a statement of research-in-progress this paper focuses on business process patterns and proposes an initial methodological framework for the discovery and reuse of business process patterns within the IS development lifecycle. The framework borrows ideas from the domain engineering literature and proposes the use of semantics to drive both the discovery of patterns as well as their reuse

BIG DATA MANAGEMENT- A FINANCIAL INSTITUTION APPROACH

This study investigates the role of Big Data Management (BDM) on the competitive financial sector, its importance and effective adoption for Nigerian banks. A survey was used to collect primary data from branches of one of the leading banks in Nigeria and 796 usable questionnaires from bank customers, employees and managers were used for analysis. A descriptive research method and correlational study was used to determine the link between Big Data elements such as use of customers’ data and predictive analysis of customer trends and patterns in form of differentiation, increased sales, customer engagement as well as cost leadership. The research focused on customer’s rate of reviews of Big Data as the independent variables with repeat engagement and interaction as the dependent variables. Descriptive statistics using SPSS program specifically mean and standard deviations was employed for the analysis. Results show that banks create differentiation by introducing a variety of products and product mix from the analysis of customer feedback, trends and pattern which has driven customer satisfaction due to easy access to information and banking, access to products online, pay for bills via mobile banking platform, and response on various social media platforms. However, even though most customers use ATM cards and are on the mobile banking platform, Bank management should focus more on staff training and use of Diagnostic and descriptive statistics in understanding why and how some customers behave especially those who express their concerns on social media