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“Internet of things” is a broad term used to describe network connectivity to physical objects. Called connectable or smart objects, they are embedded in electronic…
“Internet of things” is a broad term used to describe network connectivity to physical objects. Called connectable or smart objects, they are embedded in electronic circuits and software that make them capable of detecting, collecting and transmitting data and information. This paper aims to examine the influence of the attributes of “internet of things” products in the functional and emotional experience of purchase intention.
The study used a model adapted from Yaping et al. (2014), with adjustment for the constructs “emotional experience”, “functional experience” and “purchase intention”. The survey consisted of a sample of 747 valid questionnaires regarding users of “internet of things” products, through a structured questionnaire with 36 assertions, which were answered based on the Likert scale. The quantitative research approach followed an exploratory descriptive phase followed by the application of structural equation modeling.
Results validated most of the relationships of the model, with high levels of significance. In addition, there was a greater influence of emotional experience than functional on purchase intention for the selected sample, which mainly consisted of young people.
In short, the study confirmed the statistical significance of the structural paths, indicating that the proposed model is consistent, and with an appropriate adjustment can be applied in future research.
Given the large global investments made in FinTechs and the context of Brazilian credit (which has been suffering from the effects of the crisis in the last decade), the…
Given the large global investments made in FinTechs and the context of Brazilian credit (which has been suffering from the effects of the crisis in the last decade), the purpose of this paper is to study the propensity of consumption of credit services offered by FinTechs of loans. In order to discover the factors that influenced the propensity to apply for FinTech loans, a theoretical model was designed, which was tested by means of a survey given to individuals who might contract loans.
The final sample consisted of 507 individuals whose data were analyzed through structural equation modeling (SEM), with estimation of partial least squares.
From the results of the research, it was possible to draw a profile of the FinTechs of Brazilian loans and also to estimate the antecedents of the propensity to utilize this type of service.
The model proposed in this work was developed to measure the propensity to consume in relation to the credit services offered by lending FinTechs.
The consumer should intensify the use of these channels to shape financial products and services to their needs, thereby democratizing access to credit, which is often restricted in quantity and quality by policies of institutions that dominate the Brazilian lending market.
Aspects such as trust, personal innovation, perceived utility, ease of use and social influence, as well as the constructs that precede them like privacy, stigma and transactional distance, explain 41.5 percent of the propensity to use services from lending FinTechs in Brazil.
The purpose of this paper is to identify the intention of living in a smart city as from its characteristics in the individual perception by the young public based on the…
The purpose of this paper is to identify the intention of living in a smart city as from its characteristics in the individual perception by the young public based on the proposal of an expanded model.
The empirical research carried out herein was based on a survey, consisting of a sample of 380 valid questionnaires. Data analysis was carried out through multivariate quantitative approach using structural equation modeling, with estimation by partial least square.
In the model, it was possible to adapt all the characteristics of smart cities. The “environment” characteristic was the one that presented the greatest relationship in contributing to efficiencies that allow the migration of citizens and in reducing the environmental impact in the cities’ quality, and the “economy” characteristic was the one that presented the lowest relationship opening the opportunity that this concept can be more widespread within the economic agents and individuals for the society.
Finally, it is argued that efficiency in all characteristics will depend on the engagement of citizens in the innovation processes of public living in general. The smart city is distinguished from other typologies due to its success in the field of innovation, essentially depending on the collaborative process that is developed in environments that encourage discovery and idea generation.