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1 – 10 of 42Pekka Laukkanen, Suvi Sinkkonen and Tommi Laukkanen
The purpose of this paper is to further the understanding of innovation resistance by dividing internet banking non‐adopters into three groups based on their intentions to use the…
Abstract
Purpose
The purpose of this paper is to further the understanding of innovation resistance by dividing internet banking non‐adopters into three groups based on their intentions to use the innovation. Thereafter, the aim is to identify how the resistance differs in these customer groups.
Design/methodology/approach
This study identifies three groups of internet banking non‐adopters, namely postponers, opponents and rejectors. The data were collected by conducting an extensive postal survey among the retail banking customers in Finland who had not adopted internet banking. The measurement development was based on consumer resistance theory and the earlier literature on internet banking. Principal component analysis was used to classify the resistance items into five adoption barriers derived from the earlier literature. Thereafter, analysis of variance was used to analyse the statistical differences in resistance to internet banking between the three groups.
Findings
Significant differences were identified between the groups explored. The resistance of the rejectors is much more intense and diverse than that of the opponents, while the postponers show only slight resistance. The results also indicate that psychological barriers are even higher determinants of resistance than usage and value, which are constructs related to ease‐of‐use and usefulness determining acceptance in the traditional technology acceptance model. Moreover, the findings highlight the role of self‐efficacy in bank customers' risk perceptions to internet banking.
Originality/value
This study provides further understanding of what inhibits internet banking adoption by comparing three non‐adopter groups with respect to their resistance to internet banking. It also has implications for management in overcoming non‐adopters' resistance to the innovation.
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Nabil Mzoughi and Wafa M’Sallem
This research aims to describe three profile segments (postponers, opponents and rejectors) of non‐adopters of internet banking in Tunisia, and attempts to predict consumers’…
Abstract
Purpose
This research aims to describe three profile segments (postponers, opponents and rejectors) of non‐adopters of internet banking in Tunisia, and attempts to predict consumers’ willingness to adopt this new technology using a range of factors.
Design/methodology/approach
The theoretical background was mainly based on dispositional resistance to change theory, as well as previous literature on internet banking. A total of 595 surveys were collected via face‐to‐face interviews. In order to predict consumers’ intentions, selective factors were proposed (i.e. perceived usefulness, perceived risk, dispositional resistance to change, demographics). Data was assessed through multinomial logistic regression.
Findings
Significant differences were observed between the three segments (postponers, opponents and rejectors) on the basis of the proposed predictors. Moreover, dispositional resistance to change as a personality trait plays a significant role in behavioral intentions.
Originality/value
Dispositional resistance to change as a personality trait is still underdeveloped in marketing research studies. This paper provides managerial recommendations for Tunisian bank practitioners to better profile their targets.
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Shalaghya Sharma and Amit Kumar
The purpose of this research paper is to understand the effect of negative emotions created from social interactions on the aspiring entrepreneurs. The government of India has…
Abstract
Purpose
The purpose of this research paper is to understand the effect of negative emotions created from social interactions on the aspiring entrepreneurs. The government of India has recently started several entrepreneurship development schemes to promote entrepreneurship among Indian youth, but still, the turnout rate tends to be low in some eastern states. A lot of research has been done about the various motivating factors, but less attention has been paid on the social interactions that create negative emotions. Unless researchers and government focus on the value of these negative emotions as corroders of motivation, it would be hard to accomplish the goals of an entrepreneurship-oriented country.
Design/methodology/approach
Interviews were conducted with participants of an entrepreneurship development program at the commencement of program and after one year.
Findings
It was found via the study that social interaction plays a crucial role in determining their motivation toward becoming an entrepreneur. Apart from this feeling of shame, fear, vulnerability, resentment, loneliness and self-doubt are crucial negative emotions that are corroding the chances of entrepreneurship among the Indian youth.
Research limitations/implications
The sample size was small to conduct a quantitative analysis. If a study could be conducted on a larger scale, it would contribute immensely to the entrepreneurship literature.
Social implications
It is a strong reminder of how the society can help in promoting entrepreneurship.
Originality/value
The impact of social interactions on the motivation of budding entrepreneurs has not been studied as per the literature review.
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This paper aims to investigate the effect of factors that inhibit adoption of mobile payments service in India.
Abstract
Purpose
This paper aims to investigate the effect of factors that inhibit adoption of mobile payments service in India.
Design/methodology/approach
Based on the extant literature on mobile payment service and other related literature, factors were identified that drive consumer resistance toward its adoption. It engaged “innovation resistance theory” framework for understanding consumer resistance. The framework addressed five categories of barriers, namely, usage, value, risk, image and tradition that lead to negative perception of innovation, and therefore, induces positive impact on its resistance. Additionally, the study considered a few lesser investigated barriers (habitual use of cash, surveillance, technology) for the study, thus extending the existing theoretical framework. Hypotheses were framed, field data were collected and then analyzed using multivariate techniques.
Findings
Few interesting observations were made from the study. Usage, image and value barriers hindered adoption of mobile payment service. In case of men, usage, value and image were the primary barriers. For women, usage, image, habitual use of cash and technology acted as barriers that curbed mobile payments service adoption. Additionally, except risk, tradition and surveillance barriers, relationships of all other constructs with adoption intention were moderated by gender.
Research limitations/implications
This research was limited to the views of the urban population in India who used mobile payments service. The results may vary across geographical contexts because of culture or socioeconomic differences.
Practical implications
The growth of mobile payment service has remained sluggish in India despite high levels of digitization. The study results will offer valuable insights to the Indian business managers and policymakers to identify what action plan needs to be instituted to make mobile payments service more attractive and acceptable to users.
Originality/value
This empirical study extended and tested the classical innovation resistance theory framework by adding three less studied barriers (surveillance, habitual use of cash and technology) in a developing nation, thus enriching the current literature on consumer resistance toward mobile payments. It also examined the moderating effect of gender on mobile payments service adoption.
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With the upgrade of natural language interaction technology, the simulation extension of intelligent voice assistants (IVAs) and the uncertainty of products and services have…
Abstract
Purpose
With the upgrade of natural language interaction technology, the simulation extension of intelligent voice assistants (IVAs) and the uncertainty of products and services have received more and more attention. However, most of the existing research focuses on investigating the application of theories to explain consumer behavior related to intention to use and adopt IVAs, while ignoring the impact of its privacy issues on consumer resistance. This article especially examines the negative impact of artificial intelligence-based IVAs’ privacy concerns on consumer resistance, and studies the mediating effect of perceived creepiness in the context of privacy cynicism and privacy paradox and the moderating effect of anthropomorphized roles of IVAs and perceived corporate social responsibility (CSR) of IVAs’ companies. The demographic variables are also included.
Design/methodology/approach
Based on the theory of human–computer interaction (HCI), this study addresses the consumer privacy concerns of IVAs, builds a model of the influence mechanism on consumer resistance, and then verifies the mediating effect of perceived creepiness and the moderating effect of anthropomorphized roles of IVAs and perceived CSR of IVAs companies. This research explores underlying mechanism with three experiments.
Findings
It turns out that consumers’ privacy concerns are related to their resistance to IVAs through perceived creepiness. The servant (vs. partner) anthropomorphized role of IVAs is likely to induce more privacy concerns and in turn higher resistance. At the same time, when the company’s CSR is perceived high, the impact of the concerns of IVAs’ privacy issues on consumer resistance will be weakened, and the intermediary mechanism of perceiving creepiness in HCI and anthropomorphism of new technology are further explained and verified. The differences between different age and gender are also revealed in the study.
Originality/value
The research conclusions have strategic reference significance for enterprises to build the design framework of IVAs and formulate the response strategy of IVAs’ privacy concerns. And it offers implications for researchers and closes the research gap of IVAs from the perspective of innovation resistance.
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Deepak Chawla and Himanshu Joshi
The purpose of this paper is to identify which factors influence mobile banking adoption and examine those factors for segmentation, using a sample of Indian consumers.
Abstract
Purpose
The purpose of this paper is to identify which factors influence mobile banking adoption and examine those factors for segmentation, using a sample of Indian consumers.
Design/methodology/approach
In total, 59 statements were identified based on a literature review, focus group discussions and personal interviews. Exploratory factor analysis was conducted to identify the relevant factors. An online survey of 367 mobile phone users in India was conducted. Confirmatory factor analysis was conducted using structural equation modeling. Appropriate statistical techniques (hierarchical cluster analysis, k-means cluster analysis) were used to segment the users. A profile of each segment was developed based on demographics, mobile banking services used, and attitude and intentions toward mobile banking. Further, a post hoc test was used to test the variation between the obtained clusters and user attitudes and intentions toward mobile banking. The demographic characteristics of users within each cluster were also examined.
Findings
Mobile users were segmented into three clusters based on their perceptions of various factors influencing mobile banking. These segments were labeled as technology adoption (TA) leaders, TA followers and TA laggards. The results show that both attitude and intentions toward mobile banking significantly differs across the three segments. In terms of relative positioning, TA leaders have the most favorable attitudes and intentions followed by TA followers, and TA laggards. Age was found to significantly influence TA and usage.
Research limitations/implications
The findings of the study are based on responses from young, educated and salaried Indian consumers from large metro cities. Therefore, it is important to include respondents from smaller cities and towns to be able to generalize the findings. The sample is skewed toward users having accounts with private banks and hence, a balanced representation of respondents from public and private sector banks would help in identifying gaps pertaining to each sector. In future research, attempting to compare the results with other developing and developed countries may be beneficial.
Practical implications
The results offer service providers better knowledge about typical mobile banking user segments, providing banks with ideas for customizing their services to meet customer expectations.
Originality/value
This paper provides insights into factors that influence mobile banking adoption in India, which has not been investigated. In contrast to earlier studies conducted on internet banking, this study attempts to examine the perceptions, attitudes and intentions of mobile users. Although traditional TA models and theories of technology diffusion have been used, this study attempts to tailor the model specifically for mobile banking.
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Concern with demographic prediction and projection has ensured a wide variety of studies of family building. These studies range from large‐scale surveys of fertility patterns to…
Abstract
Concern with demographic prediction and projection has ensured a wide variety of studies of family building. These studies range from large‐scale surveys of fertility patterns to a number of in‐depth investigations of pregnancy, childbirth and parenthood. The former include cross‐sectional cohort surveys of fertility expectations, attitudes to family planning and contraceptive behaviours, where detailed reproductive histories have been obtained from a wide range of respondents and analysed by cohorts, based on the year of birth or age of marriage of the informant. However, a major defect in these surveys lies in the collection of accurate retrospective data, for example a middle aged married women having to give an account of her behaviour and/or attitudes when she first married twenty years earlier. The remedy suggested by Ryder and Westhoff is ‘to use comparable classification procedure in a longitudinal study, collecting data periodically from the same families as they progress through their family life cycles. Several such longitudinal surveys have been undertaken and they provide a more detailed picture of the process of family building. This concern with the dynamic aspects of having children is reflected in the more qualitative micro‐studies of pregnancy, childbirth and parenthood.
Highlights that in spite of the notion generally held, that consumer durables are luxuries, the market displays some inertia comparable to that of non‐durables. Proposes that new…
Abstract
Highlights that in spite of the notion generally held, that consumer durables are luxuries, the market displays some inertia comparable to that of non‐durables. Proposes that new analysis of the structure of the consumer‐durable markets leads to the concept that they have basic strengths that can only be temporarily violated. Distinguishes further between individual initial sales and statistical initial sales, also between individual replacement sales and statistical replacement sales. Closes by stating that consumers are not really affected by economic conditions, except in so far as they may postpone their purchases – particularly in the replacement sector.
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Himanshu Joshi and Deepak Chawla
The purpose of this study is to segment mobile wallet users using a finite mixture partial least squares (FIMIX-PLS) approach and evaluate the unobserved heterogeneity across…
Abstract
Purpose
The purpose of this study is to segment mobile wallet users using a finite mixture partial least squares (FIMIX-PLS) approach and evaluate the unobserved heterogeneity across segments.
Design/methodology/approach
Partial least square structural equation modeling (PLS-SEM) using a convenience sample of 744 responses was used to analyze the measurement, structural model and hypotheses testing. To examine unobserved heterogeneity and identify user segments, FIMIX-PLS technique was employed. To generate more precise recommendations, importance-performance map analysis (IPMA) was performed with attitude as the target variable.
Findings
A structural equation model revealed that except perceived ease of use (PEOU) all other dimensions, namely perceived usefulness (PU), lifestyle compatibility (LC), facilitating conditions (FC), trust and security significantly influences attitude which, in turn, determines intention. The FIMIX-PLS technique resulted in four segments – The Rationalist, Early Adopters, Late Adopters and The Innovators.
Practical implications
The paper provides segment specific and between segment differences to derive implications. Identification of relevant predictors and segments will help academicians, marketing researchers and practitioners in gaining further understanding of the mobile wallet adoption. The findings of the paper can guide mobile wallet providers to frame appropriate strategies and offerings pertaining to the obtained segments.
Originality/value
The paper builds upon Technology Acceptance Model (TAM) to propose an integrated model to explain adoption behaviors associated with mobile wallet. To the best of the authors' knowledge, this is one of the first empirical attempts using FIMIX-PLS technique to assess precursors of adoption and substantiates the perceived value-attitude-intention linkage to identify heterogeneity among mobile wallet users.
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Gonzalo Díaz Meneses and Asunción Beerli Palacio
The objective of this research is not only to provide a new theoretical framework to overcome doctrinal inconsistencies related to the reward recycling technique but also to…
Abstract
Purpose
The objective of this research is not only to provide a new theoretical framework to overcome doctrinal inconsistencies related to the reward recycling technique but also to empirically contrast the proposed explanations.
Design/methodology/approach
This research follows a quasi‐experimental design. This type of treatment comprises the application of a draw‐based prize technique. A questionnaire was issued to gather the information from a sample with 123 individuals. The approach is quantitative.
Findings
It was found that recycling behaviour has become a routine or habit with recognized awareness of ecology and recycling, but without a high level of involvement, since today's adoption process does not require such effort. This implies that the efficacy of the reward technique has been transformed and consequently its effects must be understood differently. To be specific, responders and non‐responders are similar, in terms of their levels of beliefs about recycling, ecological concern and involvement with recycling, and both show the same model of adoption with a low hierarchy of effect and with a few minor differences. Nevertheless there is only one difference between sustainers and non‐sustainers, namely, the sustainers’ greater ecological concern before the promotion application.
Research limitations/implications
The non‐existence of a control group is a limitation with the result that the validity of the experiment is not being totally checked.
Originality/value
This research provides some empirical evidence challenging some old presumptions concerning the understanding of recycling.
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