Enjoyment and social influence: predicting mobile payment adoption

Models of technology adoption, notably the Technology Acceptance Model and the Unified Theories of Acceptance and Use of Technology, provide good theoretical foundations for understanding mobile payment adoption. This study extends these frameworks by incorporating perceived enjoyment, social influence, knowledge and perceived risk. Replications of established theories are tested in a new context of young people's adoption of mobile payment. Subsequent hypotheses test an extended theoretical framework using an online survey (N?=?316). The extended model improves previous models by explaining 62% of variation in intention to use. Against expectations, perceived ease of use had no significant effect on perceived usefulness and intention to use. The study contributes to advancing understanding of perceived enjoyment which had no direct effect on adoption intention but a significant effect on perceived ease of use and usefulness. Social influence reduces perceived risk, and further contribution is made by noting that perceived enjoyment lowers perceived risk.     

Exploring factors influencing US millennial consumers’ use of tap-and-go payment technology

ABSTRACT

Although mobile payment (MP) represents a possibility for traditional brick-and-mortar US retailers to enhance the quality of customer service, mobile payment adoption in the US has lagged, with research regarding this phenomenon in the US seemingly in its embryonic stage. The current study contributes to the literature on mobile payment adoption in the US by investigating the factors on US millennial consumers’ use of mobile payment technology, operationalized in the study as tap-and-go payment systems. The study mirrors a study of the acceptance of mobile shopping technology among German consumers, with some extension. The study incorporated mobile payment risk perception, system trust, and socio-cultural influence into an extended technology acceptance model (TAM) to explore this issue. Results from a survey conducted among 357 US Millennials indicate that perceived ease of use of MP (PEOUMP); perceived usefulness (PUMP); and risk perception all influence attitude toward mobile payment (AttMP). System trust, socio-cultural influence, and AttMP all influence MP use intention. The paper discussed the limitations of the study and future research directions.     

Understanding the intention to use mobile shopping applications and its influence on price sensitivity

This study employs an extended technology acceptance model (TAM) and the theory of diffusion of innovations (DOI) to understand the intention to use mobile commerce applications for shopping purposes. The variables—perceived enjoyment, perceived risk and personal innovativeness—were added to the original model. The price sensitivity criterion was predicted using the variables—perceived risk, personal innovativeness, satisfaction and the intention to use. An online questionnaire was circulated nationwide through email to verified e-commerce users and a sample of 675 respondents was taken for analysis through structural equation modeling approach. Gender, experience and frequency of using mobile shopping applications were used as moderators for all relationships. Findings of this study reveal that personal innovativeness and perceived risk play a major role in deciding the intention to use mobile shopping applications. Users who are highly innovative and with a higher intention to use mobile shopping applications are less sensitive to price. Various managerial implications including applications to differential pricing, improving adoption pace and segmenting consumers to design marketing strategies are discussed.     

Adopting autonomous vehicles: The moderating effects of demographic variables

Autonomous vehicles (AV) are considered one of the most disruptive technology innovations due to issues of customers' acceptance based on safety, ethics, etc. Along with the rapid advancement of smart cities' demand for this technology, getting customer acceptance of this futuristic technology is a serious concern in the AV industry. This paper modified the technology acceptance model to find out factors influencing customers' intention to use AV such as perceived usefulness, perceived ease of use, social influence, and facilitating condition, and the moderating effects of demographic variables (gender, age, family size, income, education level, and marital status) on the relationship between predictors and intention to use AV. Online questionnaires were distributed to 318 participants in South Korea and the data was analyzed through multiple regression and integration moderation test. The findings show that social influence, facilitating conditions, and perceived usefulness are three important variables of AV usage intention. In addition, demographic variables (age, marital status, family size, and educational level) can moderate effect of PU and SI on intention to use AV. Strategic directions are suggested to managers to increase the possibility of customers’ acceptance of AV.     

What motivates customers to shop in smart shops? The impacts of smart technology and technology readiness

With the rapid diffusion of smart technologies, a new retail mode, the smart shop, has received increasing attention from both academia and practitioners in the 5G era. However, previous studies on smart shops have largely focused on the effects of smart technologies on technology adoption rather than customer shopping behaviors. To fill this gap, this study applies the hedonic information systems acceptance model (HISAM) to identify the utilitarian and hedonic motivations affecting consumer shopping intention. In addition, we characterize a second-order formative construct, technology readiness, as a technology-related personality to test its moderating role in the research model in the marketing context when consumer behaviors may differ due to individual characteristics. Using structural equation modeling (SEM), we applied SmartPLS 3.2.8 to analyze 298 valid samples. The results show that perceived ease of use significantly affects perceived usefulness and perceived enjoyment, in turn, these three factors directly influence shopping intention. Additionally, perceived ease of use will have a stronger impact on perceived usefulness and shopping intention when the customer has a high level of technology readiness. Finally, theoretical and practical suggestions and future research directions are also discussed.     

A meta‐analysis of the UTAUT model: Eleven years later

The unified theory of acceptance and use of technology (UTAUT) has been widely used to investigate factors influencing the adoption and use of information systems and technologies (IS/IT). However, studies using UTAUT are not conclusive in terms of statistical significance, direction, and magnitude. Through a meta‐analysis of empirical studies on UTAUT from 2003 to 2013, we determine how parsimonious, accurate, and robust UTAUT is at predicting acceptance and use of technology. A meta‐analysis of 74 publications reveals that performance expectancy, effort expectancy, and social influence explain IS/IT adoption, while behavioural intention is the most often measured dependent variable operationalized as a proxy for system use, supporting the strength of UTAUT as an explanatory model of IS/IT acceptance and use. Copyright © 2016 ASAC. Published by John Wiley & Sons, Ltd.     

The role of perceived enjoyment and perceived informativeness in assessing the acceptance of AR wearables

Augmented reality smart glasses are a major trend in retailing. However, little is known about the factors that drive customers’ acceptance of these wearables as a channel in stores. Especially, the roles of perceived enjoyment and perceived informativeness for usage intentions of such novel and immersive technologies are unclear. Thus, the authors propose an extended technology acceptance model as an instrument to predict future adoption. The results indicate that perceived enjoyment largely mediates the influence of perceived informativeness and other variables on attitude and usage intention. Further, perceived enjoyment functions as a direct predictor for attitude and in strength even exceeds perceived usefulness. Hence, retailers should consider focusing on joy-related aspects when aiming at the introduction of broadly accepted AR applications in stores.     

Understanding the Factors That Affect the Adoption of Innovative High-Technology Brands: The Case of Apple iPhone in Malaysia

ABSTRACT

The purpose of this study is to examine how innovation attributes, social influence, and perceived risk can affect technology brand adoption. The impact of innovation attributes, social influence, and perceived risk on iPhone adoption has been tested through series of tests (i.e., reliability, exploratory factor analysis, confirmatory factor analysis, correlations, multiple regression analysis, and moderation effect of gender). The sample consists of 134 Malaysian students. Results revealed the importance of relative advantage, trialability, and social influence as key constructs in adoption intention. The study also showed that gender of the consumer has no moderating effect on the adoption intention. Practical guidelines are provided to marketing managers on how to use those factors to increase the adoption of new brands among customers.     

How perceived trust mediates merchant's intention to use a mobile wallet technology

As mobile wallets are in constant demand and growing over the past few years, there is a need to identify views of different stakeholders involved in the process. Several studies have been done to investigate consumers' perspective intensively. On the other hand, review of perception and adoption of wallet services by other participants, in particular merchants, is often neglected. The present study aims to fill this gap. This study used an empirical model to measure merchant's intention to use a mobile wallet technology. The study includes the variables, perceived compatibility, perceived usefulness, awareness, perceived cost, perceived customer value addition and perceived trust, and aims to determine their influence on intention to use. Our study also tested the mediating effect of perceived trust on the influence of perceived usefulness to predict merchant's intention. The study includes results of the survey of 315 Indian merchants by an online survey method. We find the highest effect of perceived customer value addition on merchant's intention, followed by perceived usefulness of technology. The proposed mediation effect of perceived trust was small but significant on perceived usefulness. The results of the study can help mobile payment companies to understand factors that are relevant to increase adoption of technology in the context of merchants.     

Will artificial intelligence replace human customer service? The impact of communication quality and privacy risks on adoption intention

In the digital environment, chatbots as customer service agents assist consumers in decision making. Based on the computers-are-social-actors paradigm, this study examines the perceived differences in communication quality and privacy risks between different service agents and their impact on consumers' adoption intention, and investigates whether these perceived differences might depend on differences in the user's human interaction need. A series of five scenario-based experiments were carried out to collect data and test hypotheses. It was discovered that: different types of service agents directly affect consumers' adoption intention; perceived communication quality and privacy risk mediate the effect of service agent type on adoption intention; the effects of service agent type on perceived accuracy, communicative competence, and privacy risk are moderated by the need for human interaction. The findings of this study provide important insights into the rational use of human−computer interacation in e-commerce.     

Antecedents and Consequences of Consumers' Attitude toward Social Commerce Sites

Drawing upon technology acceptance model (TAM), this study investigates the antecedents and consequences of consumers' attitude toward social commerce sites. In addition to the antecedents of perceived usefulness and perceived ease of use from TAM, the study includes such factors as perceived trust, perceived shopping enjoyment, perceived shopping risk, and perceived social presence. The study results suggest that consumers' attitudes toward social commerce sites are significantly impacted by perceived usefulness, perceived ease of use, perceived shopping enjoyment, and perceived shopping risk. The study also finds that consumers' attitudes toward social commerce sites significantly influence the effects of e-word-of-mouth (eWOM) intention, intention to return, and e-purchase intention. This study provides an integrative approach to evaluating antecedents and consequences of consumers' attitude toward social commerce sites. Limitations and future research are discussed.     

Acceptance and use of big data techniques in services companies

Companies able to take advantage of the information coming from the use of Big Data will have a competitive advantage by being able to make decisions based on greater knowledge of customers and competition. Besides, the access to the software for the treatment of this great amount of data is free. So, the objective of this paper is to study the level of acceptance and use of these technologies, Big Data techniques, by services companies. To analyse the intention and use it extends the acceptance technologies model- Unified Theory of Acceptance and Use of Technology (UTAUT) - to the context of Big Data techniques, incorporating the effect on it of three new variables: resistance to use, perceived risk and opportunity cost. The structural model was evaluated using partial least squares structural equation modelling (PLS-SEM) with an adequate global fit. The verification is carried out with a sample of 199 Spanish services companies, and its main results are the strong effect of the facilitating conditions on the intention and use of Big Data, as well as the direct effect of the opportunity cost and the resistance to use on the intention, and the indirect inhibiting effect of the perceived risk through the resistance to use on intention behaviour.     

Consumer Acceptance of Cloud Computing

To date, little research has focused on the consumer's perspective of cloud computing acceptance. Thus, this article explores the drivers of voluntary consumer acceptance of cloud computing in a sample of Moroccan students. Results indicate that in addition to ease of use and perceived usefulness, structural trust is important for voluntary cloud computing acceptance. However, unlike prior studies, results indicate that perceived ease of use has a stronger effect on intention to use cloud computing, than perceived usefulness. The results of this study contribute to theory and provide strategies for cloud computing service providers to attract and retain individual consumers.     

Understanding the Determinants of User Acceptance of Enterprise Instant Messaging: An Empirical Study

As modern organizations increasingly depend on information systems (IS) to enhance work productivity and seek new business opportunities, communication effectiveness has become one of the key factors that underlie the effective performance of IS implementations and applications. Instant Messaging (IM) presents a revolution in enterprise communication. As more organizations are findings ways to utilize this near-synchronous computing communication technology to enhance communication effectiveness in the workplace, there is a compelling need to understand the factors that are important for the adoption of enterprise IM. We have developed an integrative model based on constructs of the existing IT adoption models as well as theories on motivation, innovation diffusion, and critical mass. Using responses from 140 intended subjects, we have found the results of survey data support the contentions that perceived usefulness, compatibility, enjoyment, and security are significant predictors of intention to use enterprise IM. Although perceived connectivity did not predict the intention directly, it did indirectly through perceived usefulness and perceived ease of use. Implications and future research are discussed.     

Internet banking acceptance model: Cross-market examination

This article proposes a revised technology acceptance model to measure consumers' acceptance of Internet banking, the Internet banking acceptance model (IBAM). Data was collected from 618 university students in the United Kingdom and Saudi Arabia. The results suggest the importance of attitude, such that attitude and behavioral intentions emerge as a single factor, denoted as “attitudinal intentions” (AI). Structural equation modeling confirms the fit of the model, in which perceived usefulness and trust fully mediate the impact of subjective norms and perceived manageability on AI. The invariance analysis demonstrates the psychometric equivalence of the IBAM measurements between the two country groups. At the structural level, the influence of trust and system usefulness on AI varies between the two countries, emphasizing the potential role of cultures in IS adoption. The IBAM is robust and parsimonious, explaining over 80% of AI.     

International Consumer Attitudes Toward Cloud Computing: A Social Cognitive Theory and Technology Acceptance Model Perspective

The purpose of this article is to examine the factors affecting consumer attitudes toward cloud computing in the United States and Australia. The technology acceptance model and social cognitive theory are utilized to test relationships between technology acceptance model constructs (perceived ease of use and perceived usefulness) with individual characteristics that are shaped by environmental factors as part of social cognitive theory (consumer innovativeness, security concerns, performance expectations, and social networks) on consumer attitudes toward adopting cloud computing services. Consumers in the youth segment are used to test the hypotheses in two different countries (the United States and Australia). The results of the analysis indicate similarities and differences related to behavioral intentions and adoption behavior toward cloud computing services. © 2015 Wiley Periodicals, Inc.     

To Be or Not to Be in Thrall to the March of Smart Products

This article explores how perceived disempowerment impacts the intention to adopt smart autonomous products. Empirically, the paper builds on three studies to show this impact. Study 1 explores the relevance of the perceived disempowerment in respect of smart autonomous products. Study 2 manipulates autonomy of smart products and finds that perceived disempowerment mediates the link between smart products’ autonomy and adoption intention. Study 3 indicates that an intervention design―that is, a product design that allows consumers to intervene in the actions of an autonomous smart product―can reduce their perceived disempowerment in respect of autonomous smart products. Further, Study 3 reveals that personal innovativeness moderates the role that an intervention design plays in product adoption: an intervention design shows a positive effect on adoption intention for individuals with low personal innovativeness, but for those with high personal innovativeness no effect of an intervention design is present on adoption intention. The authors suggest that managers consider consumers’ perceived disempowerment when designing autonomous smart products, because (1) perceived disempowerment reduces adoption and (2) when targeted at consumers with low personal innovativeness, an intervention design reduces their perceived disempowerment.     

Consumer e-shopping acceptance: Antecedents in a technology acceptance model

This study integrates e-shopping quality, enjoyment, and trust into a technology acceptance model (TAM) to understand consumer acceptance of e-shopping. Online surveys with college students (n = 298) were conducted. E-shopping quality for apparel products consists of four dimensions: web site design, customer service, privacy/security, and atmospheric/experiential. A structural equation model reveals that e-shopping quality determines perceptions of usefulness, trust, and enjoyment, which in turn influence consumers' attitudes toward e-shopping. Consumer perceptions of usefulness and attitude toward e-shopping influence intention to shop online, while perceived ease of use does not influence attitude toward e-shopping. Shopping enjoyment and trust play significant roles in consumers' adoption of e-shopping. This study provides important implications for e-tailers whose web site developers must keep in mind that customers are not only web users with trust/safety and information needs, but also shoppers with service and experiential needs.     

Mobile Shoppers: Types,Drivers, and Impediments

The technology adoption of mobile commerce has frequently been studied by considering the extended technology acceptance model (TAM). However, the role of the perceived drivers and impediments affecting potential mobile shoppers' acceptance has been scarcely analyzed. This article highlights: (1) the typology of potential m-shoppers described by their reasons for, and perceived impediments to, mobile shopping and (2) the possible differences in the extended TAM in the resulting categories. In order to do so, we advance a single hypothesis about moderation of the m-shopper type on the relationships presented in the extended TAM. The study was conducted in Spain, a country with significant current and forecasted use of mobile shopping. Data from 476 Spanish mobile phone users were analyzed. The use of latent class cluster allowed us to identify three types of mobile shoppers that show different profiles based on their perception about drivers and impediments. Differences in the extended TAM relations across the clusters were identified using the multigroup approach of structural equation models. The results show support for the moderation effect, providing valuable information for practitioners to understand how consumers develop mobile shopping intentions, which is necessary to implement effective marketing strategies.     

Impact of online convenience on mobile banking adoption intention: A moderated mediation approach

The purpose of this study to investigate the effect of online convenience dimensions on mobile banking (m-banking) adoption intention using a comprehensive moderated mediation framework. A total of 446 responses from Indian banking users were received using systematic sampling. The covariance-based structural equation modelling and PROCESS macro were used to examine the hypotheses. The results indicated that access convenience, transaction convenience, benefit convenience, and post-benefit convenience have a crucial impact on m-banking adoption intention. The perceived hedonic values and perceived utilitarian values mediate the effects of convenience dimensions on m-banking adoption intention. The study's findings will help banks to identify which dimension/s of online convenience they should focus on over m-banking platforms to enhance adoption intention. As, “Convenience” plays a crucial role in mobile commerce adoption intention. This study attempts to examine how convenience dimensions affect m-banking adoption intention.