Understanding the individual performance of m-banking

A thesis submitted in partial fulfillment of the requirements for the degree of Doctor in Information Management, specialization in Information and Decision SystemsOs avanços significativos em tecnologias e dispositivos móveis tornaram o m-banking importante para o comércio móvel e serviços financeiros. Apesar de ter sido desenvolvida muita investigação neste campo, a maior parte da literatura académica existente centra-se na adoção de m-banking, em vez de avaliar o seu impacto sobre o desempenho individual (eficiência e eficácia da execução de tarefas bancárias) na fase da pós-adoção. Esta dissertação preenche esta lacuna na literatura através da análise do desempenho individual. O modelo conceptual é suportado pela teoria do alinhamento da tecnologia e tarefa (TTF) e o modelo de sucesso em sistemas de informação de DeLone e McLean para avaliar o desempenho individual no m-banking ao nível do contexto individual. A dissertação pretende contribuir para uma melhor compreensão do m-banking e do desemprenho individual na fase da pós-adoção. Para atingir esse objetivo foram desenvolvidos 4 estudos empíricos. No 2º capítulo apresentamos a revisão da literatura do m-banking e performance individual. Este capítulo abarca um conjunto de conhecimento alargado e relevante que servirá para apresentar o que foi analisado e quais as lacunas identificadas. A revisão da literatura indica que os temas de adoção do m-banking e intenção comportamental dominam a maioria dos estudos realizados, não tendo sido encontrado nenhum estudo sobre a pós-adoção e uso. Para além disso, os dois fatores mais significativos de intenções para adotar m-banking são: a facilidade de uso percebido e a utilidade percecionada. Considerando as várias definições m-banking e as mudanças tecnológicas ao longo do tempo, propomos uma nova e mais ampla definição. No 3º capítulo testou-se empiricamente, em Portugal, o modelo do TTF para estudar os fatores determinantes do m-banking para o desempenho individual com o objetivo de avaliar se existem diferenças de idade ou gênero. Os resultados revelam que TTF e uso são precedentes importantes do desempenho individual. Encontramos diferenças estatisticamente significativas no percurso TTF e uso para o impacto no desempenho para a subamostra de idade, e diferenças estatisticamente não significativas na subamostra de gênero. No 4º capítulo combinamos a teoria do TTF e o modelo de sucesso em sistemas de informação de DeLone e McLean para avaliar o desempenho individual no m-banking. O estudo empírico foi desenvolvido com base numa amostra de 233 observações. Os resultados revelam que o uso e satisfação são vetores importantes do desempenho individual. A qualidade do sistema, a qualidade da informação e a qualidade de serviço afetam a satisfação dos utilizadores do m-banking. No 5º capítulo, demonstramos empiricamente a importância de incluir variáveis culturais na análise da relação com o desempenho individual. O desempenho individual pode tornar-se uma fonte de retenção e captação de potenciais utilizadores do serviço de m-banking. Neste capítulo aplicamos o modelo de DeLone e McLean e duas dimensões de cultura de Hall, alto-baixo contexto e perceção do tempo monocromático e policromático. Compreendendo o efeito da cultura no desempenho individual, poderemos fornecer contributos importantes para os fornecedores de serviço de m-banking, no âmbito do desenvolvimento de estratégias que levem os utilizadores a continuar satisfeitos com o serviço bem como fomentar a utilização continuada do serviço. Neste estudo empírico, concluímos que a qualidade do sistema, a qualidade da informação e a qualidade de serviço afetam a satisfação dos utilizadores de m-banking, que por sua vez determina a utilização continuada e o desempenho individual do serviço. Demonstramos a importância da perceção do tempo na execução de tarefas bancárias no âmbito do uso e satisfação e a sua influência no desempenho individual. No 6º capítulo, investigamos a influência da cultura no uso e desempenho individual, combinando o modelo TTF com duas dimensões culturais de Hofstede: aversão à incerteza e o individualismo. O estudo empírico foi desenvolvido com base numa amostra de 204 observações. Os resultados do estudo revelam que o individualismo modera a relação entre o TTF e o uso, e a aversão à incerteza modera a relação entre o TTF e o desempenho individual. Os outros construtos que representam o núcleo do modelo de TTF continuam a explicar empiricamente o TTF, o uso e o desempenho individual. São sugeridas estratégias baseadas nestes fatores aos gestores de m-banking com vista a captação e retenção de utilizadores. Em termos epistemológicos, nesta dissertação, adotámos uma postura característica do positivismo. No que diz respeito às metodologias de investigação utilizamos o método dedutivo. A teoria do contextualismo esteve assente no modelo de investigação proposto.Fast advances in mobile technologies and devices have made m-banking increasingly important in mobile commerce and financial services. Although much research has been developed in this field, most of the academic literature until now has focused on m-banking adoption rather than on assessing the impact on individual performance in the post-adoption phase. This dissertation fills this gap in the literature through the analysis of the individual performance. The task-technology fit (TTF) theory and the DeLone & McLean IS Success model ground the current research’s conceptual model for assessing the m-banking individual performance at individual level. With this dissertation we contribute to a better understanding of the m-banking and individual performance in the post-adoption stage. To this end we developed four empirical studies. In Chapter 2 is a review of literature of m-banking and individual performance. This chapter assembles this diverse body of knowledge into a coherent whole. The present review indicates that the topics of m-banking adoption and behavioural intention dominate the majority of research, but finds no studies on post-adoption and use stage. Moreover, the two most significant drivers of intentions to adopt m-banking are perceived ease of use and perceived usefulness. Considering several m-banking definitions and the technological changes over time, we propose a new, broader definition. In Chapter 3 we empirically tested in Portugal the task-technology fit (TTF) model to study the determinants of m-banking for individual performance and to discover if there are any age or gender differences. The results reveal that TTF and use ii are important precedents of individual performance. We found statistically significant differences in path TTF and use to performance impact for the age subsample, and not statistically significant differences for the gender subsample. In Chapter 4 we propose a model combining the TTF model and DeLone & McLean IS success model to evaluate the impact of m-banking on individual performance. The empirical approach is based on an online survey questionnaire of 233 individuals. The results reveal that usage and user satisfaction are important precedents of individual performance, and the importance of the moderate effects of TTF over usage to individual performance. The system quality, information quality, and service quality positively affect user satisfaction. In Chapter 5 we show the relevance of the relationship between culture and individual performance in the m-banking context. The individual performance (efficiency and effectiveness of performing banking tasks) becomes a source of retention and attraction of potential adopters of m-banking service. We apply the DeLone & McLean IS success model and two of Hall’s cross-cultural dimension scales of high-low context and monochromic-polychronic time perception. Understanding the importance of the culture effects on individual performance can positively influence service providers, so as to develop strategies that lead to continued use and user satisfaction of the service. We find that system quality, information quality, and service quality play important roles in user satisfaction, and influence its use and individual performance. Additionally, we test the relevance of the moderating effect of time perception over the use and user satisfaction to individual performance. In Chapter 6 we show evidence on the influence of culture on m-banking use and individual performance, using a combination of the task-technology fit model and iii two of Hofstede’s cross-cultural dimension scales: uncertainty avoidance and individualism. Based on a sample of 204 m-banking users, we show that individualism moderates the relationship between TTF and use, and uncertainty avoidance moderates the relationship between TTF and individual performance. The remaining constructs, which represent the core of the TTF model, can still empirically explain the TTF, use, and individual performance of m-banking. Strategies grounded in these factors are suggested for m-banking service providers to better attract and retain users. In this dissertation, in epistemological terms, we adopted a posture characteristic of positivism. With regard to research methodologies we used the deductive method. The contextualist theory was applied to organize our proposed research model

Integrating information systems success and overall trust

Tam, C., Loureiro, A., & Oliveira, T. (2020). The individual performance outcome behind e-commerce: Integrating information systems success and overall trust. Internet Research, 30(2), 439-462. [Advanced online publication on 22 october 2019]. https://doi.org/10.1108/INTR-06-2018-0262Purpose: While most e-commerce studies focus on the understanding of online customer behaviour, mainly adoption and purchase behaviours. The purpose of this paper is to examine the relationship between e-commerce and individual performance. The authors test the role of systems, information and service quality in e-commerce use and user satisfaction. Trust may become an important aspect for a consumer’s decision making, based on this the authors identify the effect of the role of trust on e-commerce use, user satisfaction and its impact on individual performance. This research has theoretical and managerial implications, since the protagonism of e-commerce is increasing in both academia and industry. Design/methodology/approach: The authors apply a research model that integrates information systems success dimensions and user behaviour in the form of trust. The empirical approach was based on an online survey questionnaire of 437 individuals from Portugal. Findings: The results reveal that overall quality and overall trust are important to explain use and user satisfaction in the context of e-commerce, which further leads to individual performance. The findings indicate that a higher level of use and user satisfaction increase individual performance. Originality/value: The authors integrate information systems success dimensions and overall trust to understand the significance of e-commerce individual performance. The authors expect the results to enrich the understanding of the importance of considering both technological and behavioural factors to increase the success of e-commerce.authorsversionpublishe

What explains continuance intention in smartwatches?

Nascimento, B., Oliveira, T., & Tam, C. (2018). Wearable technology: What explains continuance intention in smartwatches? Journal of Retailing and Consumer Services, 43, 157-169. DOI: 10.1016/j.jretconser.2018.03.017Smartwatch is a recent and significant development in the domain of wearable technology. We study continuance intention and its determinants, using a combination of the expectation-confirmation model (ECM) with habit, perceived usability, and perceived enjoyment, to explain the continuance intention of smartwatches. Based on a sample of 574 individuals collected from the USA, we show that relationships of ECM enhance the continuance intention, such as confirmation, perceived usefulness, and satisfaction, and also the role of habit and perceived usability. Additionally, we find that habit was the most important feature to explain the continuance intention of smartwatches. The paper ends with a discussion of the study's limitations and implications.authorsversionpublishe

Structural equation model analysis

Oliveira, T., Araujo, B., & Tam, C. (2020). Dataset for understanding why people share their travel experiences on social media: Structural equation model analysis. Data in brief, 30, [105447]. https://doi.org/10.1016/j.dib.2020.105447The data presented in this article relates to the individual intrinsic and extrinsic motivations to share travel experience in social media. The 381 records were gathered in Portugal using an online survey. A statistical analysis of the data was carried out using partial least squares (PLS). This dataset shows a relationship between identification, internalization, and compliance to perceived enjoyment, and also, between perceived enjoyment, altruistic motivations, personal fulfillment, and self-actualization as well as security and privacy reasons to actual travel experience sharing. For further findings and interpretation, please refer to the research article entitled “Why do people share their travel experiences on social media?” [1]. We suggest the use of this data to compare with data collected by other researchers to develop cross-country analyses based on the model proposed by Oliveira, Araujo, and Tam [1].publishersversionpublishersversionpublishersversionpublishe

extending the expectation confirmation model

Tam, C., Santos, D., & Oliveira, T. (2018). Exploring the influential factors of continuance intention to use mobile Apps: extending the expectation confirmation model. Information Systems Frontiers, 1-15. https://doi.org/10.1007/s10796-018-9864-5The use of mobile applications (apps) has been growing in the world of technology, a phenomenon related to the increasing number of smartphone users. Even though the mobile apps market is huge, few studies have been made on what makes individuals continue to use a mobile app or stop using it. This study aims to uncover the factors that underlie the continuance intention to use mobile apps, addressing two theoretical models: Expectation confirmation model (ECM) and the extended unified theory of acceptance and use of technology (UTAUT2). A total of 304 questionnaires were collected by survey to test the theoretical framework proposal, using structural equation modelling (SEM). Our findings indicate that the most important drivers of continuance intention of mobile apps are satisfaction, habit, performance expectancy, and effort expectancy.authorsversionpublishe

Understanding the factors of mobile payment continuance intention: empirical test in an African context

Franque, F. B., Oliveira, T., & Tam, C. (2021). Understanding the factors of mobile payment continuance intention: empirical test in an African context. Heliyon, 7(8), 1-12. [e07807]. https://doi.org/10.1016/j.heliyon.2021.e07807Few studies have been conducted about individuals’ continuance to use m-payment, especially in an African context. This study investigates the continuance intention to use m-payment, employing two theoretical models: the DeLone and McLean information system (D&M IS) success model and the expectation-confirmation model (ECM) in an African context. We collected 338 questionnaires through an online survey to evaluate and validate the proposed theoretical model, using partial least squares – structural equation modelling (PLS-SEM). Our results indicate that the most important predictors of continuance intention to use m-payment are individual performance, use, and satisfaction. The results present useful insight to understand continuance intentions toward mobile payment in an African context. The integration of D&M IS success model, and the ECM model is to allow us to understand the main factors affecting the continuance intention to use mobile payment in the African context. By combining these two models we show how to compensate for and complement the weaknesses and strengths of the models, solidifying our findings of continuance intention with a stronger model that is otherwise not possible.publishersversionpublishersversionpublishe

What influences the purchase intention of online travel consumers?

Tam, C., Pereira, F. C., & Oliveira, T. (2022). What influences the purchase intention of online travel consumers? Tourism and Hospitality Research. https://doi.org/10.1177/14673584221126468 --- Fnding: This work was supported by national funds through FCT (Fundação para a Ciência e a Tecnologia), under the project - UIDB/04152/2020 - Centro de Investigação em Gestão de Informação (MagIC)/NOVA IMS.Despite its increase in recent years, e-commerce is far from surpassing traditional trade, and the online purchase of travel arrangements is no exception. Using an integrated model founded in theory about consumers’ attitude and behaviour, we studied the behaviour intention of online purchasers of travel services, based on an online questionnaire and the responses of 251 respondents. The results indicate that loading time, security, and visual appeal have a positive influence on website quality and suggest that website quality, trust, and brand image explain behaviour intention. The mediation, moderation, and direct effect are studied, offering insights and both theoretical and practical implications.authorsversionepub_ahead_of_prin

Understanding the determinants of users’ continuance intention to buy low-cost airline flights online

TTam, C., Barroso, M., & Cruz-jesus, F. (2022). Understanding the determinants of users’ continuance intention to buy low-cost airline flights online. Journal of Hospitality and Tourism Technology, 13(2), 264-280. https://doi.org/10.1108/JHTT-12-2020-0316Purpose Low-cost carriers’ (LCC) worldwide market share is gaining momentum. This paper aims to propose using the expectation confirmation model (ECM) combined with brand awareness and image, website quality and visual appeal to evaluate the continuance use intention of low-cost airlines (LCA) websites. Design/methodology/approach The empirical approach was based on an online survey of 272 individuals collected in Portugal. The data were analyzed using structural equation modeling. Findings Brand awareness, brand image and satisfaction are the variables that best explain continuance intention. The leftover constructs can empirically explain ECM. Originality/value This study seeks to understand the significance of brand awareness and image, website quality and visual appeal in LCA websites’ confirmation and continuance use intention. Understanding the influence on confirmation and long-term viability, strategies based on these conclusions are proposed for LCC companies to better promote consumers’ continuance use intention.authorsversionpublishe

Business Intelligence para PME: a informação contabilística no suporte à decisão.

Dissertação apresentada como requisito parcial para obtenção do grau de Mestre em Estatística e Gestão de Informação.Numa altura em que uma das estratégias empresariais para a criação de vantagens competitivas é compreender os dados que as próprias organizações geram na sua actividade, este estudo pretende proporcionar às pequenas e médias empresas a oportunidade de compreenderem a importância da informação passível de ser obtida, nomeadamente a partir dos dados contabilísticos, para a gestão dos processos de negócios. A presente proposta de estudo assenta na possibilidade das pequenas e médias organizações tirarem partido da informação contabilística de que dispõem, para adoptarem um conjunto de medidas de gestão que vão de encontro a algumas práticas da componente analítica, no âmbito da Business Intelligence (BI).(...

A meta-analysis of the quantitative studies in continuance intention to use an information system

Franque, F. B., Oliveira, T., Tam, C., & Santini, F. D. O. (2021). A meta-analysis of the quantitative studies in continuance intention to use an information system. Internet Research, 31(1), 1-36. https://doi.org/10.1108/INTR-03-2019-0103Purpose: This study aims to describe, synthesise and clarify the findings of published studies on individual continuance intention to use an information system (IS), considering the fact that the number of studies in the continuance intention context are growing exponentially and cover several different subjects. Design/methodology/approach: The research uses meta- and weight analysis by taking 115 empirical studies from continuance intention to use an IS. The data are presented in different views using significant and non-significant relationships from all the studies. Furthermore, it uses hierarchical linear meta-analysis to analyse potential moderators that can influence continuance intention. Findings: The results reveal that affective commitment, attitude, satisfaction, hedonic value and flow are the best predictors of continuance intention to use an IS. Sample size, individualism, uncertainty avoidance and long-term orientation moderate the relationship of perceived usefulness on continuance intention. Power distance, masculinity and indulgence moderate relationship satisfaction on continuance intention. Practical implications: The results reveal that continuance intention to use an IS has been studied in different countries, with different cultures; therefore, IS providers should have diversified managing strategies, to ensure the satisfaction of users and long-term usage of their IS. Originality/value: The study provides a systematic overview of the most relevant variables used in the literature, including a temporal analysis of the theoretical models, highlighting the evolution of the constructs and presents a moderation analysis.authorsversionpublishe