Website design quality and usage behavior: Unified Theory of Acceptance and Use of Technology

Firms gain many benefits from well-designed websites. But which elements of website design quality really matter, and how do these elements influence usage behavior? With the Unified Theory of Acceptance and Use of Technology (UTAUT) as the theoretical foundation, this paper proposes that website design quality is a multi-dimensional construct with a higher-order structure that, when successfully incorporated into the UTAUT model, outperforms existing models. Results are based on a survey of 216 users of Internet banking. Findings indicate that the technical, general content and appearance dimensions of a website are most important for users. These dimensions are significantly related to usage behavior directly and indirectly. A halo effect may influence overall evaluation of a website because the dimensions of website design quality are interrelated. The implication is that improvements to the appearance of a website should enhance the overall evaluation of the site, leading to greater usage intentions

The Impact Of Technology Trust On The Acceptance Of Mobile Banking Technology Within Nigeria

With advancement in the use of information technology seen as a key factor in economic development, developed countries are increasingly reviewing traditional systems, in various sectors such as education, health, transport and finance, and identifying how they may be improved or replaced with automated systems. In this study, the authors examine the role of technology trust in the acceptance of mobile banking in Nigeria as the country attempts to transition into a cashless economy. For Nigeria, like many other countries, its economic growth is linked, at least in part, to its improvement in information technology infrastructure, as well as establishing secure, convenient and reliable payments systems. Utilising the Technology Acceptance Model, this study investigates causal relationships between technology trust and other factors influencing user’s intention to adopt technology; focusing on the impact of seven factors contributing to technology trust. Data from 1725 respondents was analysed using confirmatory factor analysis and the results showed that confidentiality, integrity, authentication, access control, best business practices and non-repudiation significantly influenced technology trust. Technology trust showed a direct significant influence on perceived ease of use and usefulness, a direct influence on intention to use as well as an indirect influence on intention to use through its impact on perceived usefulness and perceived ease of use. Furthermore, perceived ease of use and perceived usefulness showed significant influence on consumer’s intention to adopt the technology. With mobile banking being a key driver of Nigeria’s cashless economy goals, this study provides quantitative knowledge regarding technology trust and adoption behaviour in Nigeria as well as significant insight on areas where policy makers and mobile banking vendors can focus strategies engineered to improve trust in mobile banking and increase user adoption of their technology

Website design quality and usage behavior: Unified Theory of Acceptance and Use of Technology

Firms gain many benefits from well-designed websites. But which elements of website design quality really matter, and how do these elements influence usage behavior? With the Unified Theory of Acceptance and Use of Technology (UTAUT) as the theoretical foundation, this paper proposes that website design quality is a multi-dimensional construct with a higher-order structure that, when successfully incorporated into the UTAUT model, outperforms existing models. Results are based on a survey of 216 users of Internet banking. Findings indicate that the technical, general content and appearance dimensions of a website are most important for users. These dimensions are significantly related to usage behavior directly and indirectly. A halo effect may influence overall evaluation of a website because the dimensions of website design quality are interrelated. The implication is that improvements to the appearance of a website should enhance the overall evaluation of the site, leading to greater usage intentions

Critical review of the e-loyalty literature: a purchase-centred framework

Over the last few years, the concept of online loyalty has been examined extensively in the literature, and it remains a topic of constant inquiry for both academics and marketing managers. The tremendous development of the Internet for both marketing and e-commerce settings, in conjunction with the growing desire of consumers to purchase online, has promoted two main outcomes: (a) increasing numbers of Business-to-Customer companies running businesses online and (b) the development of a variety of different e-loyalty research models. However, current research lacks a systematic review of the literature that provides a general conceptual framework on e-loyalty, which would help managers to understand their customers better, to take advantage of industry-related factors, and to improve their service quality. The present study is an attempt to critically synthesize results from multiple empirical studies on e-loyalty. Our findings illustrate that 62 instruments for measuring e-loyalty are currently in use, influenced predominantly by Zeithaml et al. (J Marketing. 1996;60(2):31-46) and Oliver (1997; Satisfaction: a behavioral perspective on the consumer. New York: McGraw Hill). Additionally, we propose a new general conceptual framework, which leads to antecedents dividing e-loyalty on the basis of the action of purchase into pre-purchase, during-purchase and after-purchase factors. To conclude, a number of managerial implementations are suggested in order to help marketing managers increase their customers’ e-loyalty by making crucial changes in each purchase stage

Evaluation and Classification of Mobile Financial Services Sustainability Using Structural Equation Modeling and Multiple Criteria Decision-Making Methods

Despite the fast emergent of smartphones in day-to-day activity, the sustainable development of mobile financial services (MFS) remains low partially due to online consumer’s trust and perceived risk. This research broadens the trust and the perceived risk at the multi-dimensional for understanding and prioritizing alternatives of MFS decision. A combined methodology; structural equation modeling (SEM) with two multiple criteria decision-making (MCDM) methods such as a technique for order of preference by similarity to ideal solution (TOPSIS) and analytic hierarchy process (AHP) were applied for data analysis. The two steps SEM-TOPSIS techniques were adopted through a two-types survey on datasets consisting of 538 MFS users, and 74 both experienced MFS users and experts in Togo. The SEM is used for causal relationships and assigning weights for the TOPSIS input. TOPSIS was applied for providing MFS alternative classification, in which the results were compared with prior research using the SEM-AHP technique on the given population. The results via SEM revealed particularly strong support for the dispositional trust and perceived privacy risk. Trust has a negative relationship with perceived risk. Except for perceived time risk, all the antecedents of perceived risk and trust validated the proposed relationship. The findings of TOPSIS uncovered that mobile money transfer (MMT) remains the core application used, followed by mobile payment (MP) and mobile banking (MB) and, therefore, consistent with AHP. However, the TOPSIS technique is better suited to the problem of MFS selection for this study field. This research offers a novel and practical modeling and classification concept for researchers, companies’ managers, and experts in the areas of information technology. The implications, limitations, and future research are provided

The determinants of customer internet banking resistance and the role of mediating variables in Yemeni Universities

Although internet banking has been widely adopted in developed countries, there is still a low percentage of internet banking adoption in Yemen, indicating a probable high resistance to internet banking. Hence, the objective of this research was to determine the direct predictors (attitude, subjective norm, perceived behavior control (PBC), credibility, trust, compatibility, self-efficacy and government support) of customer resistance, attitude, subjective norm, PBC and credibility towards internet banking. Additionally, this study examined the mediating effects of attitude, subjective norm, PBC, and credibility on the relationship between predictors and customer resistance to internet-banking behavior using Decomposed Theory of Planned Behavior (DTPB). A quantitative research survey was used whereby 900 questionnaires were distributed randomly to University employees. 451questionnaires were returned, representing a 50% response rate. After screening, 372 useable data sets were analyzed using the Structural Equation Modeling (SEM). The study found five significant predictors of customer resistance (attitude, credibility, compatibility, selfefficacy, and government support); three significant factors predicting attitude (government support, subjective norm and PBC); two significant predictors of SN (government support and self-efficacy); two significant predictors of PBC (compatibility and self-efficacy); and three predictors of credibility (trust, government support and PBC). It was also found that attitude fully mediated the relationship between subjective norm and customer resistance as well as between PBC and customer resistance. Contrastingly, attitude was a partial mediator between the relationship of government support and customer resistance. Likewise, credibility is a full mediator on the relationship between trust and customer resistance; PBC and customer resistance. Credibility also partially mediated the relationship between government support and customer resistance. Finally, the study contributes empirically by validating DTBP as an effective underpinning theory in explaining the internet banking resistance and that government should enact more stringent laws and policies to control the internet banking in Yemen

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

Modelling customers’ loyalty towards adopting Islamic mobile banking services

This study aims to find important factors of Malaysian Islamic banking customers’ loyalty or continuance intention to use Islamic mobile banking services. A total number of 250 customers of has participated in this research. Based on findings, continuance intention of using Islamic mobile banking services was found to be depended on usability of mobile banking services, customer service provided by Islamic banks towards mobile banking services, customer satisfaction on mobile banking services and trust of customers towards mobile banking services. In addition, mediating effect of Islamic mobile banking services continuance adoption significantly influenced by customer satisfaction and trust. By understanding these continuance intention factors among the customers, it would help the industry player particularly Islamic banking to plan and strategize appropriate policies, and support necessary programmes on diversifying and promoting financial transaction using mobile banking services among their existing and potential customers

A Multi-Dimensional Theory of Transparency, Trust, and Risk in Technology Adoption

With regard to the complexity of emerging technologies, technology acceptance research examines the role of transparency, trusting beliefs, and perceived risks in individuals’ technology adoption process. However, IS research lacks an established theoretical explanation of the interrelationship of those multi-dimensional constructs. Referring to organizational science, an integrative model considering transparency, trusting beliefs, and perceived risks is developed. To obtain generalizable results, we collected quantitative survey data for two different technologies: A banking app and a food-sharing app. The proposed research model was then tested using structural equation modeling and multigroup analysis. The results indicate that transparency should be understood as an antecedent of trusting beliefs. This relationship is technology-independent, whereas the relationship between trusting beliefs and individuals\u27 intention to use depends on the technology in question. The study also suggests that perceived risks are context-specific and should not generally be considered as moderators