Search results

Smart card-based E-payment systems are receiving increasing attention as the number of implementations is witnessed on the rise globally. Understanding of user adoption behavior of E-payment systems that employ smart card technology becomes a research area that is of particular value and interest to both IS researchers and professionals. However, research interest focuses mostly on why a smart card-based E-payment system results in a failure or how the system could have grown into a success. This signals the fact that researchers have not had much opportunity to critically review a smart card-based E-payment system that has gained wide support and overcome the hurdle of critical mass adoption. The Octopus in Hong Kong has provided a rare opportunity for investigating smart card-based E-payment system because of its unprecedented success. This research seeks to thoroughly analyze the Octopus from technology adoption behavior perspectives.

Cultural impacts on adoption behavior are one of the key areas that this research posits to investigate. Since the present research is conducted in Hong Kong where a majority of population is Chinese ethnicity and yet is westernized in a number of aspects, assuming that users in Hong Kong are characterized by eastern or western culture is less useful. Explicit cultural characteristics at individual level are tapped into here instead of applying generalization of cultural beliefs to users to more accurately reflect cultural bias. In this vein, the technology acceptance model (TAM) is adapted, extended, and tested for its applicability cross-culturally in Hong Kong on the Octopus. Four cultural dimensions developed by Hofstede are included in this study, namely uncertainty avoidance, masculinity, individualism, and Confucian Dynamism (long-term orientation), to explore their influence on usage behavior through the mediation of perceived usefulness.

TAM is also integrated with the innovation diffusion theory (IDT) to borrow two constructs in relation to innovative characteristics, namely relative advantage and compatibility, in order to enhance the explanatory power of the proposed research model. Besides, the normative accountability of the research model is strengthened by embracing two social influences, namely subjective norm and image. As the last antecedent to perceived usefulness, prior experience serves to bring in the time variation factor to allow level of prior experience to exert both direct and moderating effects on perceived usefulness.

The resulting research model is analyzed by partial least squares (PLS)-based Structural Equation Modeling (SEM) approach. The research findings reveal that all cultural dimensions demonstrate direct effect on perceived usefulness though the influence of uncertainty avoidance is found marginally significant. Other constructs on innovative characteristics and social influences are validated to be significant as hypothesized. Prior experience does indeed significantly moderate the two influences that perceived usefulness receives from relative advantage and compatibility, respectively. The research model has demonstrated convincing explanatory power and so may be employed for further studies in other contexts. In particular, cultural effects play a key role in contributing to the uniqueness of the model, enabling it to be an effective tool to help critically understand increasingly internationalized IS system development and implementation efforts. This research also suggests several practical implications in view of the findings that could better inform managerial decisions for designing, implementing, or promoting smart card-based E-payment system.

The integration of relevant antecedents into TAM would lead to better understanding of the decision factors which act as enablers for the adoption of internet banking. The purpose of the paper is to determine the influence of the antecedents subjective norm, image, banks initiative, internet banking self-efficacy, internet usage efficacy, trust, perceived risk, trialability and government support on the existing constructs of the technology acceptance model (TAM) and to test measurement invariance and the moderating effect of the demographic variables on the relationship between the latent constructs used in this augmented TAM.

A survey questionnaire was administered on internet banking users and a total of 300 responses were collected. A two-step approach suggested by Hair et al. (2006) and Schumacker and Lomax (2004) was used in this study. The proposed model was assessed using the confirmatory factor analysis approach. The structural model was then tested in order to establish nomological validity. The data based on four demographic dimensions gender, age, income, education were divided into two groups for each of these demographic dimensions. The invariance test was first performed on the measurement model and then on the structural model. The measurement model and structural model were subjected to tests of equivalence of parameters across groups.

To a large extent the results of the study supports the proposed model and thereby contributes to understand the influence of subjective norm, image, banks initiative, internet banking self-efficacy, internet usage efficacy, trust, perceived risk and government support on internet banking adoption. The predictor variables in the augmented TAM were able to explain 29.9 per cent of the variance in the actual usage of internet banking as compared to the TAM which was able to explain only 26.5 per cent variance in the actual usage of internet banking. A significant difference in the relationship between the different constructs of the model was observed when the model was subjected to multi-group invariance testing.

The study suffers from the same limitations as most other studies involving TAM. In this study self-reported measures about the usage were taken as the actual usage. The findings of the study can be of use to marketers for target-specific marketing by customizing the marketing campaign focussing on the factors that were found to be strong influencers leading to the usage of internet banking for each target audience.

The main challenge in this study was to develop the conceptual model for the internet banking adoption by extending the TAM and to get a robust theoretical support from the extant literature for the relevant factors along with their relationship to uncover new insights about factors responsible for the internet banking adoption. The augmented model had an improved predictive capability and explanatory utility.

Adoption of foreign‐developed technology by firms in developing nations will accelerate the speed by which they become globally competitive in new product development. In this study, we build and empirically test an extension of the technology acceptance model (TAM) – the “extended TAM” – applied to the study of international transfer of product technology. The extended TAM model derives from the TAM of Davis et al., extensively used in information technology applications. The extended TAM is built on the premise that a person's attitudes toward a behavior influence their intentions to perform that behavior, and behavioral intentions influence the actual performance of the behavior. In the extended TAM, perceived ease of use is operationalized as two independent variables, technological compatibility and ease of adoption, and anticipated benefits of adoption are operationalized in terms of technical and economic benefits to the adopting firm. These antecedents have direct and indirect effects on attitudes toward the adoption of foreign‐developed technology by managers from developing countries, and on behavioral intentions to adopt such technology. We conduct an exploratory empirical test of the model using a convenience sample of respondents representing several industries in the People's Republic of China (PRC). Strong support is found for all hypotheses in the model. We conclude with research and managerial implications regarding international technology transfer and new product development.

The purpose of this paper is to validate the technology acceptance model (TAM) and its extended form to understand the factors influencing internet banking adoption in Gujarat.

Extended TAM incorporates perceived security and social influence, important variables in internet banking literature. Using a questionnaire survey, data relating to the variables are collected from 284 individuals who are/were using internet banking services and subjected to confirmatory factor analysis (CFA) to establish validity and structural equation modeling (SEM) to identify important factors influencing internet banking adoption.

The empirical results of SEM showed that the extended TAM has higher predictability than the TAM in internet banking settings. The results highlighted that the intention to use internet banking is positively influenced mainly by perceived security, followed by other significant factors, namely, perceived usefulness, perceived ease of use and social influence.

The findings of this paper enable internet banking service providers to develop/modify new/existing internet banking services in order to achieve higher adoption rates of internet banking.

Additional incorporated variables in a new model considerably contribute to improving the understanding of internet banking adoption in Gujarat.

This paper aims to examine the determinants that influence acceptance towards e-wallet apps by extending the technology acceptance model (TAM) among (asnaf), a term used for charity or gift receivers from alms tax distribution institutions also known as donee.

The review of literature and structural equation modelling approach using judgemental sampling on extended TAM and determinants of e-wallet apps’ acceptance related to asnaf (donee) were conducted in a bid to contribute to the factors that are instrumental in determining acceptance of e-wallet services among asnaf.

The findings indicate that the e-wallet app’s service acceptance is determined not only by perceived usefulness, consumer maqasid index and consumer innovativeness but also by subjective norms. On the contrary, consumer maqasid index and perceived ease of use do not lend themselves to be the factor of asnafs’ e-wallet acceptance. The authors extend the TAM model to determine the factors that may be influential in predicting the e-wallet app acceptance by asnaf.

In assessing future outcomes when different sampling techniques are opted for and geographic coverage is expanded, this study should be considered in terms of the limited scope.

This study is intended to serve as a reference for making a significant contribution related to user acceptance factors related to alms tax-based e-wallet apps in asnafs’ context in Malaysia in terms of both theory and practice.

TAM is extended in the context of e-wallet app acceptance among asnafs’. A variable, namely, consumer innovativeness, is tested using the extended TAM model. To the best of the authors’ knowledge, consumer innovativeness in the context of asnafs’ acceptance of e-wallet apps is yet to be tested. Therefore, this paper will be a useful reference for policymakers, technologists, academicians and future researchers.

The purpose of this paper is to test the cross‐national application of an extended technology acceptance model (TAM) in online shopping across the USA and China. Specifically, the proposed model is tested for invariance, and used to investigate the effect of the TAM constructs on online purchase intentions and interrelationships among the constructs across the two samples.

A total of 513 usable questionnaires were collected in the USA and China. Measurement and structural invariance of the proposed TAM model were assessed using multi‐group confirmatory factor analysis.

The paper revealed that both perceived usefulness and perceived risk of online shopping have an invariant effect on consumers' online purchase intentions, while prior online shopping experience does not have an invariant effect. Perceived ease of use shows an equivalent, positive effect on perceived usefulness; prior online shopping experience has an equivalent, positive effect on perceived ease of use and an equivalent, negative effect on perceived risks. But prior online shopping experience has a quite different effect on perceived usefulness across the two countries.

The paper not only tests the cross‐national application of the extended TAM, but also extends the TAM's use to examine key factors that influence online shoppers' purchase decision in the retail apparel sector.

The technology acceptance model (TAM) has been one of the most influential theories in the information technology literature, but it has not been used in the marketing literature to understand consumer acceptance of international web sites. Thus, the purpose of this study is to use TAM to study international consumers' acceptance and use of MNEs web sites designed specifically for their country.

This study applies and extends the TAM to study the B2C international web sites of American and Japanese MNEs for Brazilian, German, and Taiwanese consumers. In total, there were 2,243 usable questionnaires and the structural equation modeling method was used to analyze the data.

This study provides strong support for the applicability of TAM in explaining international web site usage in Brazil, Germany, and Taiwan and shows that cultural adaptation is an important explanatory variable that should be included in the TAM when exploring cross‐cultural issues.

The value of this paper is that it not only extends the use of TAM to study user acceptance of international e‐commerce web sites, but also sees how the cultural adaptation of international web sites impacts the attitude and the purchase intention of consumers.

The purpose of this paper is to investigate the Jordanian accountant’s behavioral intention of using the Internet Banking services to focus on the perceptions of the users in terms of usefulness and ease of use of Internet Banking, besides the privacy of using this dynamic technology for meeting their banking requirements.

The questionnaire on Internet Banking was specifically designed and used to survey a randomly selected sample of Jordanian accountants from the web site of the Jordan Association of Certified Public Accountants and 298 usable responses were obtained. The data were analyzed using SPSS and AMOS (structural equation modeling).

The results of this analysis support the extended Technology Acceptance Model (TAM) as well as confirm its robustness for predicting the behavioral intention of the adoption of Internet Banking by the Jordanian chartered accountants.

During a period when quick changes are taking place, new technologies are entering the market every day, resulting in a cross-sectional study which cannot be generalized perfectly.

The findings offered useful information for the bank management in order to formulate marketing strategies for Internet Banking.

This study has contributed to the literature available as it formulated and validated an extended TAM for predicting the adoption of Internet Banking.

Mobile e-commerce has brought convenience to consumers. But for goods such as shoes, mobile e-commerce has failed to provide the same experience as consumers would have in physical stores, and that also causes problems for online merchants, such as high return rates. As a result, the augmented reality (AR) virtual shoe-try-on function appeared. The way that AR virtual shoe-try-on study different from other AR virtual try-on studies is that AR virtual shoe-try-on study only satisfies consumers' visual experience and consumers cannot judge whether the shoes are comfort or not. Whether consumers would accept AR virtual try-on function to help them make purchase decision due to the visual experience provided by AR virtual try-on function is worth discussion. Measuring users' perceptions and preferences can help companies design AR shoe-trying functions and provide services more cost-effectively.

To promote the continuous use and better development of such mobile e-commerce based on the technology acceptance model (TAM), this study explored the influencing factors for users' intentions to continue using the AR virtual shoe-try-on function, including the perceived usefulness, perceived ease of use, system quality, perceived playfulness and attitude.

The results of this study showed that TAM is a powerful theoretical tool of the new technology in mobile e-commerce and that the system quality and perceived playfulness also have a positive impact on the original variables of TAM. System quality and perceived playfulness are important predictors of users' continuance intentions to use the AR virtual shoe-try-on function.

The main contribution of this study to model iteration and theoretical update is to verify the applicability of the TAM in the AR shoe-try-on function and to expand TAM model with system quality and perceived playfulness. The authors' results will help shoe enterprises win users' recognition through AR shoe-try-on function and improve users' continuance intention of use.

The purpose of this research is to investigate the factors affecting the adoption of the e‐learning system (ELS) in mandatory and voluntary settings, through an extension of the technology acceptance model (TAM).

Regression analysis was used to observe the associations of proposed constructs.

The results of the study confirm the original TAM findings. In mandatory settings, students would only intend to use the ELS. Computer self‐efficacy demonstrated significant influence on perceived ease of use. Effects of course attributes on perceived usefulness were negatively significant. Effects of content quality on perceived usefulness were significant. This study found that the effects of subjective norm significantly influenced perceived usefulness in both settings. Also, perceived network externality exerts a significant direct effect on usage intentions, perceived usefulness, and perceived ease of use. This research implied that, first of all, mandatory usage is necessary for overall adoption of the ELS. The ELS should be developed to target changes in perceived usefulness, perceived ease of use, and perceived network externality. Practical alternatives included enhancing content quality, developing a simple and easy‐to‐use system, and enhancing students' computer self‐efficacy. Secondly, perceived network externality was important in ELS adoption. That is, promotion of the system should emphasise the popularity of the system and future ELS products and services in order to create bandwagon effects.

These findings suggested an extended model of TAM for the ELS. This research advances theory and contributes to the foundation for future research aimed at improving our understanding of students' adoption behaviour of the e‐learning system.