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Recognizing the importance of Robo-advisors in digital financial services, this paper aims to analyse the users’ perception and acceptability of artificial intelligence (AI) in digital investment solutions using an extended “Technology Acceptance Model” (TAM).

The model is tested using 454 online valid responses received from Indian Fintech users via direct path analysis, mediation and moderation.

The study’s findings show that trust, perceived usefulness and perceived risk all significantly impact users’ attitudes towards Robo-advisors. In contrast, ease of use and social influence did not impact users’ attitudes statistically. Furthermore, the results indicate that their attitudes and ease of use influence users’ intentions to adopt Robo-advisors. Moreover, the moderation effect of gender partly supports the overall model. Specifically, in the path between attitudes and their antecedents, gender plays a role in influencing the relationships among these variables. This aligns with preliminary research in the field, providing additional insight into how gender may moderate the factors influencing users’ attitudes and intentions regarding Robo-advisory services.

This research study also reveals that trust, perceived risk, ease of use and demographic factors influence the adoption of Robo-advisory services. It is functional, but its sample selection is not probabilistic and overly emphasizes gender. Future research should use probabilistic sampling, other demographic factors and experience and situational factors. Also, it is necessary to examine how convenient and satisfying it is to communicate with service providers. Filling these gaps will improve the knowledge of consumer behaviour in the context of Fintech adoption and develop the current research.

This study posits that perceived usefulness, trust, perceived risk and ease of use remain core determinants of adopting Robo-advisory services. So, to improve the level of trust of users, it is necessary to develop security measures, data clarity and quality and customer support. Enhancing ease of use by incorporating better interface gestures is always beneficial for increasing the number of users and their level of satisfaction. As identified in previous studies, practical solutions will be achieved by pursuing the increased use of technology while leveraging AI for personal services and minimizing perceived risks, which will strengthen more advanced security measures as well as sufficiently clear communication.

The paper aims to extend the TAM by incorporating measures of trust and social influence to identify the factors that drive the adoption of Robo-advisors. In doing so, the paper may contribute to developing a more comprehensive understanding of the factors that shape consumers’ attitudes and intentions towards these technologies. Moreover, the paper appears to examine the moderating effect of gender on attitude and its predictors, which could provide insights into how gender characteristics may impact the adoption of Robo-advisors.

The purpose of this paper is to understand the determinants affecting the adoption behavior of eCourier services and to establish a moderating role of resistance to change between behavioral intention and actual usage behavior.

Data were collected through a survey questionnaire that was distributed to the eCourier users. A total of 260 collected data were analyzed by using structural equation modeling.

The results of the study demonstrate that all the factors considered for the study have a significant impact on the adoption of eCourier except social influence and customer service. The results also confirm that there is no moderating effect of resistance to change in the relationship between behavioral intention and actual usage.

This research provides theoretical contribution by extending the practical knowledge focusing on the adoption intention of eCourier, and actual usage behavior using Unified Theory of Acceptance and Use of Technology model—a pertinent and unresearched topic in the existing literature that presents a number of potential avenues for further study.

This study provides a general understanding of consumers in underdeveloped nations and advances earlier research on the usage of e-commerce in the courier sector.

The purpose of this study is to investigate important factors that help explain customer willingness to adopt mobile banking (M-banking). To this end, the unified theory of acceptance and use of technology 2 (UTAUT2) was applied and to more accurately predict customer behavioral intentions, it was attempted to extend it.

The research data were collected from 396 customers of Iranian private banks who had the experience of using M-banking. The structural equation modeling technique was used to test the research hypotheses.

Findings suggest that performance expectancy, effort expectancy, social influence, facilitating conditions, habit, hedonic motivation, perceived value and trialability are endorsed as proponents of M-banking adoption intention. On the other hand, M-banking adoption intention has also had a significant positive effect on actual use behavior and word-of-mouth (WOM). WOM has also influenced actual use behavior and mediated the relationship between M-banking adoption intention and actual use behavior.

The present study focuses on private banks, therefore, although it is sufficient, it is limited to private cases. This study contributes to the literature on M-banking services and actual use behavior. By appropriately focusing on M-banking adoption intention and the service quality provided, banks can strengthen their relationships with customers, thereby stimulating actual customer behavior such as actual use behavior and WOM.

From theoretical and managerial aspects, this study has particular value for the literature on M-services’ intention in general and banking in particular. The present study provides a conceptual framework for M-banking adoption intention, which could be used in M-banking services. In addition, this study sought to extend UTAUT2 and to examine the mediating role of WOM in actual use behavior motivation as well.

Despite the wide availability of internet banking, levels of intention to use such facilities remain variable between countries. The purpose of this paper is to focus on e-banking in a country with low intention to use e-banking – Jordan – and to explain the slow uptake.

A quantitative method employing a cross-sectional survey was used as an appropriate way of meeting the research objectives. The survey was distributed to bank customers in Amman, Jordan, collecting a total of 328 completed questionnaires. SPSS and AMOS software were used, and multiple regression and artificial neural networks were applied to determine the relative impact and importance of e-banking predictors.

The statistical techniques revealed that several major factors, including perceived ease of use, perceived usefulness, security and reasonable price, stand out as the barriers to intention to use e-banking services in Jordan.

This study theorizes a series of implications on intention to use e-banking. It draws the attention of Jordanian banks to the full functionality of their e-banking systems, emphasizing positive safety features, which could contribute to changing negative customer perceptions. It also contributes to eliciting the theory of customer value among banks by focusing on how they should properly enhance their use of shared value. Moreover, it will present to managers how e-banking predictors can send meaningful and timely information to customers.