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1 – 10 of 721Mohammed Anam Akhtar, Adel Sarea, Imran Khan, Khurram Ajaz Khan and Madhvendra Pratap Singh
Using an integrated theoretical model, this study aims to examine the moderating role of gamification in influencing intentions to use mobile payment applications in Bahrain.
Abstract
Purpose
Using an integrated theoretical model, this study aims to examine the moderating role of gamification in influencing intentions to use mobile payment applications in Bahrain.
Design/methodology/approach
The current examination happens to be the first approximation in the context of Bahrain wherein an extended TPB-based model integrating variables from TAM and UTAUT2 is used along with gamification and situational influence to examine the intentions to use m-payment applications.
Findings
The findings revealed that among the variates of the TPB, AT and PB significantly affect the intentions (IN) to use m-payment applications in Bahrain, but SN fails to affect intentions, similarly SI also fails to affect intentions thereby proving that the pandemic fails to drive the intention of the population under study toward using m-payment applications. However, when the application offers gamification (GM) features, SI significantly affects intentions through GM, thus experience along with situation drives intentions and this becomes the major theoretical contribution of the study.
Practical implications
This examination offers useful practical implications in the form of the findings revealing that GM affects intentions to use m-payment applications and that GM moderates the relationship between perceived risk (PR) and IN, as well as SI and IN, which can be used by the service providers to improve the user experience and achieve better acceptance of their application.
Originality/value
The novelty of the study lies in testing the integrated theoretical model in the context of a GCC nation, Bahrain.
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Bidyut Hazarika, Utkarsh Shrivastava, Vivek Kumar Singh and Alan Rea
The COVID-19 pandemic has had far-reaching effects on society and will continue to be a subject of study for researchers in the years to come. Businesses have implemented…
Abstract
Purpose
The COVID-19 pandemic has had far-reaching effects on society and will continue to be a subject of study for researchers in the years to come. Businesses have implemented technologies that reduce reliance on physical currencies, such as e-commerce sites and contactless payments. This study aims to examine the users’ attitudes and behaviors toward mobile payments. The focus is on identifying the most effective techniques and approaches that businesses can use to encourage user adoption of mobile payments.
Design/methodology/approach
This study uses survey data from 396 active mobile payment users across the mid-west region of the USA to test the proposed hypothesis. The snowball sampling approach is used to sample the participants for the data collection. This study uses partial least squares structural equation modeling to test the ten hypotheses proposed in this study.
Findings
This study finds that organizational commitment and privacy customization can significantly overcome users’ protective attitudes toward mobile payments during the pandemic. In addition, providing users with privacy customization options can significantly encourage self-disclosure, which is crucial for transaction authentication and fraud detection.
Originality/value
Envisioned in the backdrop of the COVID pandemic, this is one of the earliest studies investigating the role of privacy customization, self-disclosure and organizational commitment on mobile payment adoption.
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Salman Khan, Safeer Ullah Khan, Ikram Ullah Khan, Sher Zaman Khan and Rafi Ullah Khan
This study aims to explore the consumers’ choices of mobile payments (m-payments) using a comprehensive unified model. The financial technology for digital m-payment has been…
Abstract
Purpose
This study aims to explore the consumers’ choices of mobile payments (m-payments) using a comprehensive unified model. The financial technology for digital m-payment has been increasingly introduced in the market, yet their acceptance has remained low.
Design/methodology/approach
This study uses the unified theory of acceptance and use of technology (UTAUT) with additional constructs of social influence, trust, anxiety, personal innovativeness and grievance redressal (GR). Structural equation modeling is used to evaluate the predictive model of attitudes toward m-payment. Individuals’ responses to questions regarding their attitude and intention to accept m-payment were gathered and examined through the lens of extended UTAUT model.
Findings
While the model supports TAM classical role, empirical examination of the model revealed that users’ attitudes and intentions are influenced by trust, personal innovativeness and social influence. Moreover, intention to use and GR are significant positive predictors of m-payment usage behavior.
Originality/value
M-payment provides customers with new digital payment platforms while providing businesses and marketing agents with more alternatives for online marketing. However, there is not much reported about m-payment adoption in Pakistan. This research introduces and evaluates new constructs that were not included in the original model. In Pakistan, to the best of the authors’ knowledge, this is a first of its kind of research which is purely based on the customers’ perspective of m-payment adoption.
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Abeer F. Alkhwaldi, Anas Ali Al-Qudah, Hamood Mohammed Al-Hattami, Manaf Al-Okaily, Ahmad Samed Al-Adwan and Bilal Abu-Salih
The purpose of this study is to investigate the determinants that likely influence the intention of using digital payment systems such as the Jordan Mobile Payment (JoMoPay…
Abstract
Purpose
The purpose of this study is to investigate the determinants that likely influence the intention of using digital payment systems such as the Jordan Mobile Payment (JoMoPay) system among public sector employees in Jordan. To achieve the purpose of the current study, the authors developed a new research model based on the extended unified theory of acceptance and use of technology (UTAUT2), with one of Hofstede’s cross-cultural dimension scales [uncertainty avoidance (UA)] to provide a further understanding of the JoMoPay system acceptance in Jordan.
Design/methodology/approach
A partial least squares-structural equation modeling approach was used to analyze the data collected by self-administration from the 270 employees working in the Jordanian public sector located in Amman city, the capital city of Jordan. Because most main public sectors are located in Amman and because of the cost and time considerations, the current study applied a non-probability sampling with the purposive sampling technique.
Findings
The empirical results reveal that the evident drivers of behavioral intention to use the JoMoPay system are significantly and positively influenced by social influence, UA, performance expectancy, price value and effort expectancy; therefore, the H1, H2, H3, H5 and H6 were supported. Conversely, the results show no significant relationship between facilitating conditions and the behavioral intention to use the JoMoPay system, and hence, the related hypothesis (H4) was not supported.
Practical implications
The results of this study provide beneficial information to the Central Bank of Jordan and other service providers in Jordan about employee intentions to adopt JoMoPay system and increase decision-makers’ knowledge on factors that have an important impact in UTAUT2 model.
Social implications
The results of this study enable policymakers to understand the important factors that will enhance savings, investments and living standards, create job opportunities as well as reduce the poverty, the paper money printing cost, risks of money transportation cost and the risk of human errors.
Originality/value
The outcomes obtained will help both practitioners and researchers elucidate and understand the situation of digital payment systems acceptance among Jordanian public sector employees, as well as help them formulate plans to expedite the adoption process of digital payment systems in the case of UA.
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Huynh Thi My Dieu, Abdullah Al Mamun, Thi Le Huyen Nguyen and Farzana Naznen
This study aims to identify factors that affect the intention and actual adoption of cashless payment (ACP) among Vietnamese youths. Extending the unified theory of acceptance and…
Abstract
Purpose
This study aims to identify factors that affect the intention and actual adoption of cashless payment (ACP) among Vietnamese youths. Extending the unified theory of acceptance and use of technology (UTAUT) model with two impelling factors (perceived trust [PTR] and lifestyle compatibility [LCM]), this study also examined the mediating effect of intention to adopt cashless payment (ICP) on the relationships of UTAUT model components with the actual ACP.
Design/methodology/approach
All data were collected online from 422 Vietnamese youths through online survey, and partial least squares structural equation modelling was performed to analyse the data.
Findings
The study’s results illustrated the positive and significant effects of performance expectancy, effort expectancy, facilitating conditions, LCM and PTR on ICP. However, social influence was found to exhibit a negative effect on ICP. Furthermore, ICP was found to contribute no mediation effects on the relationships of any of the components with the actual ACP.
Practical implications
This study’s findings are widely useful for marketers and managers to plot their promotional and campaigning strategies, emphasising factors that motivate consumers to adopt cashless payment. The obtained findings also benefit architects and designers in designing products and services by consolidating lifestyle standards and other requirements of consumers. Policymakers should implement policies and strategies to enforce rules and educate the public to widely adopt cashless payment across various sectors.
Originality/value
This study extended the UTAUT model with two new variables, i.e. PTR and LCM.
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Muhammad Asif Zaheer, Tanveer Muhammad Anwar, Zoia Khan, Muhammad Ali Raza and Hira Hafeez
This study aims to investigate the different attributes of electronic commerce (e-commerce) that determine perceived value and electronic loyalty (e-loyalty) among consumers of…
Abstract
Purpose
This study aims to investigate the different attributes of electronic commerce (e-commerce) that determine perceived value and electronic loyalty (e-loyalty) among consumers of online food delivery applications (OFDAs). In this globalized world and competitive environment, e-commerce demands have increased and organizations are giving special attention to web development, website design and functions to hold the current consumers with sustainable performance in the globalized and competitive environment. Almost every industry has been affected by the coronavirus disease 2019 (COVID-19) and changed the way of operational work in many industries. Similarly, the food industry is facing serious challenges and now restaurants started heavily depending on OFDAs.
Design/methodology/approach
The study was quantitative and data were collected from 509 consumers of the district of Rawalpindi, Punjab Pakistan by using a convenience sampling technique who was the users of OFDAs to evaluate the proposed research model. Confirmatory factor analysis was applied to evaluate the validity of the constructs, and structural equation modeling was employed to test the model through Smart-PLS.
Findings
Our findings revealed that perceived value has a substantial positive impact on electronic loyalty (e-loyalty). Moreover, results confirmed that perceived value mediates the relationship of electronic privacy (e-privacy), electronic security (e-security), electronic payment (e-payment), usability and electronic innovativeness (e-innovativeness) with e-loyalty.
Research limitations/implications
This study added to the unified theory of acceptance and use of technology (UTAUT) and technology acceptance model (TAM) by exploring consumers’ intentions for using OFDAs in the framework of e-commerce attributes, perceived value and e-loyalty. Similarly, the study enabled the author to learn more about how people would use the information system after successfully applying the UTAUT.
Practical implications
This study has significant implications for web developers, application designers, food delivery companies, restaurants and other businesses. Subsequently, it indicates the importance of the incredible attractiveness of OFDAs in boosting users’ intentions to keep using the application.
Originality/value
This research contributes substantially to OFDAs efforts to continuously increase its meal service platform and improve client satisfaction which resulted in repurchase intent. In addition, the research facilitates OFDA firms to enhance the features of their applications according to clients.
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Lisana Lisana and Yonathan Dri Handarkho
This study aims to investigate the influence of environmental factors on individual personality traits associated with mobile paymens (MP) adoption using the technological…
Abstract
Purpose
This study aims to investigate the influence of environmental factors on individual personality traits associated with mobile paymens (MP) adoption using the technological personal environment (TPE) theory as a framework for the proposed theoretical model.
Design/methodology/approach
A total of 736 feedback from respondents was used to validate the proposed model using structural equation modeling. The model comprises Trust and Self-efficacy to explain MP adoption from a personal trait perspective. Meanwhile, environmental aspects are represented by social influence, vendor regulations and network externalities.
Findings
The result indicates that self-efficacy has the most significant direct effect on user intention to use MP, followed in decreasing order of significance by social influence, trust, vendor regulations and network externalities. Furthermore, social influence is the most contributing aspect from the environmental area that influences user intention directly and indirectly through trust and self-efficacy as mediators. Meanwhile, the moderating effect analysis also found that gender moderates the effect of user self-efficacy on MP adoption.
Originality/value
This study fills the gap by comparing trust and self-efficacy and exploring how those factors are developed and affected by the environmental aspect of MP usage. It was discovered that self-efficacy was the most influential construct influencing the adoption of MP. Social influence was identified as the primary environmental factor that directly impacts user intention regarding MP usage. Furthermore, gender was shown as a moderator, as males place a higher value on self-efficacy as a factor affecting their intention to embrace MP in comparison to females.
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Junsung Park, Joon Woo Yoo, Youngju Cho and Heejun Park
This study aims to understand the reasons for individuals switching from traditional banks to Internet-only banks and examine how switching intentions differ between Generation X…
Abstract
Purpose
This study aims to understand the reasons for individuals switching from traditional banks to Internet-only banks and examine how switching intentions differ between Generation X and Generation Z. Notably, Generation Z, being digital natives, exhibits distinct characteristics compared to Generation X, who often referred to as digital immigrants. Given the technology-driven nature of Internet-only banks, a multi-group analysis between these two generations was conducted.
Design/methodology/approach
This study utilizes Bansal’s push–pull–mooring model as a framework to analyze switching intention. The study collected survey data from 383 Korean participants, consisting of 198 participants from Generation Z and 185 participants from Generation X.
Findings
The findings indicate that low satisfaction and discomfort are factors that push people to leave traditional banks. Specifically, Generation Z shows a significantly higher inclination to leave traditional banks due to discomfort. On the other hand, relative advantage, compatibility, observability and trialability are factors that pull people to switch to Internet-only banks. Generation X is more likely to consider adopting Internet-only banks when compatibility is high and complexity is low.
Originality/value
This study is the first to explore unique motivators for Generation Z, such as their discomfort with interpersonal interactions in the retail banking sector. These findings challenge earlier research emphasizing human interaction’s importance in technology adoption, offering insights into their future adoption of contactless services.
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Aman Kumar, Amit Shankar, Aqueeb Sohail Shaik, Girish Jain and Areej Malibari
This study investigates organizations' non-adoption intention towards the enterprise metaverse. The innovation resistance theory (IRT) is used as an underpinning theory to examine…
Abstract
Purpose
This study investigates organizations' non-adoption intention towards the enterprise metaverse. The innovation resistance theory (IRT) is used as an underpinning theory to examine the impact of various risks on non-adoption intention towards the enterprise metaverse.
Design/methodology/approach
A total of 294 responses were collected to examine the proposed hypotheses. A structural equation modelling technique was used to investigate the hypotheses using SPSS AMOS and PROCESS MACRO.
Findings
The results of this study reveal that performance, security and psychological risks are significantly associated with non-adoption intention towards enterprise metaverse. Further, distrust significantly meditates the association between performance risk, social risk, technological dependence risk, security risk and psychological risk and non-adoption intention towards enterprise metaverse. Moreover, the results of moderated-mediation hypotheses indicate that the mediating effect of distrust on the association among performance risk, social risk, psychological risk and non-adoption intention towards enterprise metaverse is higher for individuals having high technostress compared to individuals having low technostress.
Originality/value
The study's findings will enrich the metaverse literature. Further, it provides a deeper understanding of enterprise metaverse adoption from a B2B perspective using the underpinnings of IRT. The study helps organizations understand the risks associated with the adoption of the enterprise metaverse.
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Vijay Amrit Raj, Sahil Singh Jasrotia and Siddharth Shankar Rai
Perceived risk and benefits have been proposed as crucial elements in consumers’ technology adoption intention. Therefore, this study aims to use the Unified Theory of Acceptance…
Abstract
Purpose
Perceived risk and benefits have been proposed as crucial elements in consumers’ technology adoption intention. Therefore, this study aims to use the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) framework, with perceived risks and benefits, to explore how they affect consumers’ Buy-Now-Pay-Later (BNPL) behavioural intention.
Design/methodology/approach
An online survey was conducted among 537 users of BNPL. Partial least square structural equation modelling analysis was performed to examine the hypothesized relationships.
Findings
The study found that perceived benefits, performance expectancy, effort expectancy, habit and social influence increase consumers’ behavioural intention towards BNPL. In contrast, perceived risk reduces the consumer’s intention to use. Additionally, the study revealed that consumers’ intention towards BNPL services positively affects their usage.
Practical implications
The lack of information makes consumers hesitant to use BNPL. Therefore, marketers should optimize facilitating conditions, such as user-friendly interfaces, accessible resources and efficient customer support, which should be the business strategy of BNPL service providers to ensure a seamless user experience.
Originality/value
The research empirically investigates the effect of perceived benefits on consumer behavioural intention. This contribution is crucial because while there was speculation about benefits as a driving force to consumers’ adoption intention, there was a lack of sufficient empirical evidence to support it.
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