Examine User Adoption of Mobile Payment Using the TAM: A Trust Transfer Perspective

Success in online services cannot promise the success in corresponding mobile services. To understand the mobile service adoption behavior under the context of online service transition, this study, taking mobile payment as an example, from a trust transfer perspective, examines users’ acceptance of mobile payment using the TAM (Technology acceptance model). A field survey with 220 mobile payment student users is conducted to test the research model and hypotheses. The key findings include: trust of online payment and structural assurance play the crucial role in the initial trust of mobile payments; perceived ease of use and perceived usefulness positively influent trust in mobile payment. Limitations, theoretical and practical implications are also discussed

The Role and Efficiency of Internet Banking in Romania

The electronic revolution in commerce is strongly affecting the performance of the economies. Banking over the internet has attracted increasing attention over the past several years from bankers and other financial services industry participants and this is due to the rapid and significant growth in electronic commerce. The changes in banking system become ever more tangible in the client-bank interface which is situated outside the traditional headquarters represented mainly by automatic teller machines - ATMs.internet banking, efficiency, risk management

Trust Transfer in the Sharing Economy - A Survey-Based Approach

The sharing economy is experiencing explosive growth around the globe in which trust plays a crucial role and builds the foundation of the services. With the rise of the sharing economy and the increasing numbers of cross-contextual users, this research aims at the lack of trust transference possibilities across the Peer-to-Peer applications and has the goal to find out whether and how trust can be transferred between the platforms, so that new users do not have to create their reputation from scratch every time they join a new platform. First, this research provides an in-depth literature review of trust transfer theories. Secondly, a conceptual research model for the role of the imported trust in the context of the sharing economy is outlined and analysed by proposing and evaluating a questionnaire using structural equation modeling. Throughout the study, a three-dimensional scale of trust, i.e. ability, benevolence and integrity, is validated in the context of the sharing economy. The experimental study shows that both the overall and subdimensional trust in the provider is directly affected by the overall trust in the platform, the perceived reputation as well as the perceived social presence. The study also provides empirical evidence for the existence of trust transferability. The findings show that in addition to the immanent ratings, imported ratings also significantly affect the perceived reputation of the provider positively. Finally, this paper discusses further details of the trust transfer processes and broadens implications for future research. The sharing economy is experiencing explosive growth around the globe in which trust plays a crucial role and builds the foundation of the services. With the rise of the sharing economy and the increasing numbers of cross-contextual users, this research aims at the lack of trust transference possibilities across the Peer-to-Peer applications and has the goal to find out whether and how trust can be transferred between the platforms, so that new users do not have to create their reputation from scratch every time they join a new platform. First, this research provides an in-depth literature review of trust transfer theories. Secondly, a conceptual research model for the role of the imported trust in the context of the sharing economy is outlined and analysed by proposing and evaluating a questionnaire using structural equation modeling. Throughout the study, a three-dimensional scale of trust, i.e. ability, benevolence and integrity, is validated in the context of the sharing economy. The experimental study shows that both the overall and subdimensional trust in the provider is directly affected by the overall trust in the platform, the perceived reputation as well as the perceived social presence. The study also provides empirical evidence for the existence of trust transferability. The findings show that in addition to the immanent ratings, imported ratings also significantly affect the perceived reputation of the provider positively. Finally, this paper discusses further details of the trust transfer processes and broadens implications for future research.  Keywords: Sharing Economy, Trust, Trust Transfer, Reputation, Peer-to-pee

Toward a contagion-based model of mobile banking adoption

Purpose: The purpose of this paper is to address the following question: Can a bank capitalize on its well-established self-service technologies (SSTs) in order to entice customers to adopt a newly introduced SST, namely, mobile banking More specifically, it proposes an integrative model that simultaneously investigates the transference effects of attitudes, trust and the contagious influences of social pressures on mobile banking adoption intentions. Design/methodology/approach: Structural equation modeling is applied to data collected from banks' clients who are actually non-users of mobile banking. Findings: The results indicate that attitude toward and trust in mobile banking along with coercive, normative and mimetic pressures are key antecedents to mobile banking adoption intentions. In addition, attitudes toward automated teller machines (ATMs) and online banking significantly predict attitude toward mobile banking. The results also support the effects of trust in ATMs as well as trust in online banking on trust in mobile banking. Moreover, predicted differences in the relative effects of attitude and trust are supported. Particularly, attitude toward online banking has a stronger impact on attitude toward mobile banking compared to the impact of attitude toward ATMs. In the same vein, the effect of trust in online banking on mobile banking is significantly stronger than the effect of trust in ATMs. Practical implications: The study's results hint at some practical and worthwhile guidelines for banks that can be leveraged in communication campaigns aiming at boosting the adoption rates of mobile banking. Banks can take advantage of the transference effects of the established attitudes toward and trusting beliefs in their mature SSTs as well as the contagious social influences in inducing the adoption of a newly introduced SST. Originality/value: The present study represents a first step toward generating new insights into the role of the joint effects of attitudes, trust and social influences in the adoption of a new SST

Security in Pervasive Computing: Current Status and Open Issues

Million of wireless device users are ever on the move, becoming more dependent on their PDAs, smart phones, and other handheld devices. With the advancement of pervasive computing, new and unique capabilities are available to aid mobile societies. The wireless nature of these devices has fostered a new era of mobility. Thousands of pervasive devices are able to arbitrarily join and leave a network, creating a nomadic environment known as a pervasive ad hoc network. However, mobile devices have vulnerabilities, and some are proving to be challenging. Security in pervasive computing is the most critical challenge. Security is needed to ensure exact and accurate confidentiality, integrity, authentication, and access control, to name a few. Security for mobile devices, though still in its infancy, has drawn the attention of various researchers. As pervasive devices become incorporated in our day-to-day lives, security will increasingly becoming a common concern for all users - - though for most it will be an afterthought, like many other computing functions. The usability and expansion of pervasive computing applications depends greatly on the security and reliability provided by the applications. At this critical juncture, security research is growing. This paper examines the recent trends and forward thinking investigation in several fields of security, along with a brief history of previous accomplishments in the corresponding areas. Some open issues have been discussed for further investigation

Disposition to trust, interpersonal trust and institutional trust of mobile banking in Malaysia

Mobile banking refers to the use of smart phones or other mobile devices to perform tasks online banking from your home computer, such as monitoring the account balances, transfer of funds between accounts, pay bills and prepaid top-up. Mobile banking is a new strategy for the bank to enhance their latest technology in a new dynamic marketing environment.The low penetration of mobile banking in Malaysia, especially in terms of adoption patterns is becoming the research interest, especially when compared to the total number of cellular telephone subscriptions. The penetration rate of mobile banking in Malaysia is still in the minority.One of the issues identified by a few researchers is the perception of trust. This article will discuss along the trust issue and its constituents and then after the intention to use of mobile banking services. The bank should enhance their strategy to improve and develop new strategy in order to gain more utilization and adoption on intention to use. This article attempts to discuss on the element of trust to benefit the service provider in Malaysia

An Empirical Study to Understand the Role of Institution-Based Trust and Its Antecedents in IoT Adoption by Individuals

ABSTRACT The Internet of Things (IoT) enables the connection between humans, physical objects, and cyber objects, resulting in monitoring, automation, and decision-making capabilities. This connection can be complex and lead to uncertainty for individuals before adopting IoT technology. To address this, we conducted research on the role of Institution-based trust in the context of IoT adoption. Our model for IoT adoption is based on existing literature and includes the components of Institution-based trust and its antecedents. Through empirical testing, we confirmed that Institution-based trust positively affects IoT adoption at the individual level. Additionally, we found that User confirmation/disconfirmation and familiarity are the antecedents of Institution-based trust. Keywords: Internet of Things (IoT), Trust, Technology Adoption, Institution-based trus

Antecedents of Trust in Mobile Banking Amongst Generation Y Students in South Africa

The purpose of this study was to determine the influence of perceived structural assurance concerning mobile banking, information and system quality of mobile banking, integrity of the mobile bank, trust propensity and perceived ease of use and usefulness of mobile banking on South African Generation Y students’ trust in mobile banking. The study followed a descriptive research design, using a single cross-sectional approach. A self-administered survey questionnaire was used to collect data from a convenience sample of 334 students registered at three public South African university campuses. The results suggest that Generation Y students’ perceived structural assurance, integrity of a bank, trust propensity and ease of use of mobile banking all have a statistically significant positive influence on their trust in mobile banking. However, their perceived information and system quality, as well as their usefulness of mobile banking has a positive yet non-significant influence on their trust in mobile banking. Understanding Generation Y students’ trust in mobile banking will assist retail banking marketers and strategists in their efforts to formulate strategies that will foster trust in their mobile channels amongst customers of this cohort and, in doing so, promote greater mobile banking penetration. This paper also fulfils an identified need to study the antecedents of trust in mobile banking, especially amongst the South African youth

Do Physicians’ Online Activities Impact Outpatient Visits? An Examination of Online Health Communities

The medical service on online health communities (OHCs) has created an additional touch point whereby physicians can interact with patients and extends physicians’ service from hospitals to the online environment. As the supplement and improvement of physicians’ diagnosis and treatment services, online consultation services can make full use of physicians’ spare time. Despite heated debates about the pros and cons of the online services to the traditional services in the hospitals, little empirical work has been conducted to examine it. We seek to understand and measure the impacts of physicians’ various activities online on their outpatient visits in the hospitals. By collecting a panel dataset from an OHC and a hospital in China, we find that participation in the OHCs leads to an increase in outpatient visits. We provide insights for physicians about how to increase patient visits in the emerging era of the Internet medical

How To Persuade Non-Mobile Shoppers Into Mobile Shoppers: A Trust Enhancing Perspective

Mobile shopping is getting popular and pervasive. However, the number of mobile users is not parallel to the number of mobile shoppers, because consumers frequently concern about security while conducting mobile transactions. The current study aims to elaborate in what trust enhancing message designs can be used to persuade non-mobile shoppers into mobile shoppers. Drawing on social judgment theory and the model of persuasion, our study has the potential revealing that consumers’ negative attitudes toward ubiquitously using credit cards over the air can be improved by persuasive messages if they are added into the checkout page of a shopping website