• Human Ecology Research
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• v.57 no.1
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• pp.1-13
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• 2019

Internet-based financial services are being increasingly integrated into consumers' daily lives. Internet-only banks have emerged as a powerful tool accelerating financial inclusion. This study investigates the satisfaction and continuous use intention predictors for Internet-only banks. We employed an extended post-acceptance model and used six antecedent factors that included perceived usefulness, perceived ease of use, privacy risk, functional risk, subjective norms, and network externality. All 351 participants used Internet-only banks and were 20-40 years of age. A self-administration online survey was conducted. SPSS 23.0 analyzed the frequency, description, and multiple regression analysis. The results of current study are as follows. The education, perceived usefulness, perceived ease of use, and network externality positively influenced the satisfaction of Internet-only banks. Privacy risk negatively influenced satisfaction with Internet-only banks. Perceived ease of use, subjective norm, network externality, and satisfaction positively influenced the continuous use intention of Internet-only banks. The results of our study provide a better explanation of important factors that could enhance the understanding of satisfaction and continuous use intention for Internet-only banks. Furthermore, this study extends the antecedent variables to the knowledge of financial services and enlarges the understanding of users' post-adoption behaviors.

• Journal of Distribution Science
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• v.18 no.10
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• pp.89-99
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• 2020

Purpose: There has been a growing focus on E-wallet adoption especially in emerging markets as it offers a convenient method for users to conduct cashless transactions. This study examines antecedents influencing the decision of Generation Z to adopt E-wallet. It looks into the effect of determining factors including compatibility, perceived convenience, perceived trust, perceived reputation, perceived usefulness, perceived ease of use and social influence on users' intention to use. The moderator role of social influence is also under examination. Research design, data and methodology: The quantitative method has been adopted to collect data from 170 Generation Z users. SmartPLS 3.0 was applied to examine the constructed hypotheses. Results: The results indicate an indirect effect between Compatibility, Perceived Ease of Use, Perceived Trust and Social Influence toward intention to adopt Electronic wallet, or both of those factors are mediated by Perceived Convenience, Perceived Usefulness, and Reputation. Moreover, research finding highlights the role of Perceived Usefulness as Generation Z's intention determinant to use E-Wallet. Conclusions: This study is substantial as it selected the promising customer segment - Generation Z to examine the factors influencing their decision to adopt Electronic wallet. Marketers can navigate which dimensions should be included in marketing campaigns to encourage Generation Z's adoption.

• Asia pacific journal of information systems
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• v.33 no.3
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• pp.652-676
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• 2023

The objective of this study is to provide a deeper understanding of the factors that lead to the development and adoption of AI-based chatbots. We analyze the structural relationship between the organizational (externalities), systematic (fit), and the consumer-related (psychological) factors and their role in the adoption of AI-based chatbots. Founded on the theories of task-technology fit and network externalities, we present a conceptual model overlooking common perception-based theories (e.g., Technology Acceptance Model). We collected 380 responses from Indian banking consumers to test the model using the PLS-SEM method. Interestingly, the findings present a positive impact of all factors on consumers' intention to adopt AI-based chatbots. However, the interplays between these factors provide a mixed perspective for literature. Apart from employing a combination of factors that have been used to study technology adoption, our study explores the importance of externalities and their relationship with fit factors, a unique outlook often overlooked by prior research. Moreover, we offer a clear understanding of latent variables such as trust, and the intricacies of their interplays in a novel context. Thereby, the study offers implications for literature and practice, followed by future research directions.

• Journal of Information Technology Applications and Management
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• v.19 no.4
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• pp.41-59
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• 2012

This study examines the roles of user resistance and social influences on the acceptance and continuous usage of smartphones at different stages of adoption. The respondents were classified into three groups according to their innovation adoption stage : non-user group, the potential user group and the trial user group. Theories relevant to user resistance, social influences including normative social influences and informational social influences, as well as user adoption and continuance behavior were reviewed and integrated into our research model. In order to verify the proposed structured equation model, we conducted an online survey by targeting mobile phone users and collected data to be analyzed through a partial least squares (PLS) test. This study tested whether there exists differences in the effects of user resistance and different types of social influence on user's adoption or continuance intetion among these three groups. The results showed that user resistance exists in all adopter groups and that it has significant negative influences on intention to use a smartphone. The findings also revealed that user resistance can be enhanced or resolved by two types of social influence; informational social influence resolves user resistance regardless of the adopter category, while normative social influence enhances the user resistance of potential users. Furthermore, the findings show that social influence regardless of the type positively affects user intention. Several theoretic and practical implications pertaining to the results are discussed.

• Journal of Information Technology Services
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• v.13 no.4
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• pp.255-273
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• 2014

The widespread use of smart phones and smart pads has given rise to the use of eBook services based on these smart devices. Consequently, the size of eBook services has exploded both in the domestic as well as overseas market. However, the growth curve becomes flatter than before, and the adoption rate is still not high in Korea. Hence, this study explores the factors affecting the intention to use eBook services based on smart devices, and their relationships. Finally, we propose an eBook adoption model, which extends the Technology Adoption Model. An online survey was conducted to validate the research model. By applying Partial Least Squares, we found that there are strong relationships among perceived usefulness, perceived ease of use, perceived playfulness, social influence, and intention to use. In addition, we found that smart devices enjoyment positively affects the perceived playfulness of eBooks, and that personal innovativeness positively affects perceived ease of use. Our findings shed some light on how to design eBook services based on smart devices.

• Journal of Korean Society for Quality Management
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• v.47 no.2
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• pp.367-380
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• 2019

Purpose: The purpose of this study is (1) to empirically examine why laggards resist IT adoption in public service and (2) to investigate the relationship between resistance and negative behavioral intention. Methods: The questionnaire survey was conducted on expressway users who do not use High-pass system. The collected 232 samples were analyzed using structure equation model method with AMOS 22.0. Results: Resistance is found to be a statistically significant factor affecting intention to reject. Also, incompatibility, privacy concern, status quo inertia and relative advantage are found to be statistically significant factors affecting resistance. Conclusion: Laggards have a tendency to intend to reject IT adoption rather than to postpone. They are affected not by monetary, procedural aspect associated with purchasing or registering OBU(On Board Unit). Incompatibility and relative advantage which are inherent attributes of Hi-pass system are more influential factors than privacy concern and status quo inertia. They make ethical and emotional decision partially affected by public-social factors.

• Asia Marketing Journal
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• v.12 no.3
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• pp.1-24
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• 2010

Typically, marketing literature on innovation diffusion has focused on the pre-adoption process and only a few studies explicitly examined consumers' post-adoption behavior of innovative mobile services. Besides, prior use diffusion research has considered the variables that determine the consumers' initial adoption in explaining the post adoption usage behavior. However, behavioral sciences and individual psychology suggest that social influences are a potentially important determinant of usage behavior as well. The purpose of this study is to investigate into the effects of network factor and brand identification as social influences on the consumers' use diffusion or continued usage intention of a mobile service. Network factor designates consumer perception of the usefulness of a network, which embraces the concept of network externality and that of critical mass. Brand identification captures distinct aspects of social influence on technology acceptance that is not captured by subjective norm in situations where the technology use is voluntary. Additionally, this study explores the effect of the use diffusion on the brand switching intention, a generally unexplored form of post-adoption behavior. There are only a few empirical studies in the literature addressing the issue of IT user switching. In this study, the use diffusion comprises of rate of use and variety of use. The research hypotheses are as follows; H1. Network factor will have a positive influence on the rate of use of mobile services. H2. Network factor will have a positive influence on variety of use of mobile services. H3. Network factor will have a positive influence on continued usage intention. H4. Brand identification will have a positive influence on the rate of use. H5. Brand identification will have a positive influence on variety of use. H6. Brand identification will have a positive influence on continued usage intention. H7. Rate of use of mobile services are positively related to continued usage intention. H8. Variety of Use of mobile services are positively related to continued usage intention. H9. Rate of use of mobile services are negatively related to brand switching intention. H10. Variety of Use of mobile services are negatively related to brand switching intention. With the assistance of a marketing service company, a total of 1023 questionnaires from an online survey were collected. The survey was conducted only on those who have received or given a mobile service called "Gifticon". Those who answered insincerely were excluded from the analysis, so we had 936 observations available for a further stage of data analysis. We used structural equation modeling and overall fit was good enough (CFI=0.933, TLI=0.903, RMSEA=0.081). The results show that network factor and brand identification significantly increase the rate of use. But only brand identification increases variety of use. Also, network factor, brand identification and the use diffusion are positively related to continued usage intention. But the hypotheses that the use diffusion are positively related to brand switching intention were rejected. This result implies that continued usage intention cannot guarantee reducing brand switching intention.

• Journal of the Ergonomics Society of Korea
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• v.31 no.5
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• pp.695-704
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• 2012

Objective: The purpose of this study was to investigate major factors influencing adoption of smartphone to promote its use by older adults. Background: Despite increasing proportion of elderly people and elderly market, the proportion of elderly smartphone user is still relatively small compared to whole smartphone users. Thus, we need to find out major factors influencing adoption of smartphone to increase proportion of elderly smartphone users. Method: Seven major factors were extracted from 36 survey questions using factor analysis. Regression analysis was also applied to determine specific factors affecting intention of use based on user versus non-user of smartphone, age, gender, and educational background. Results: As results of factor analysis and regression analysis, major factors influencing adoption of smartphone for elderly users were significantly different according to gender, age, educational background based on smartphone users or non-users. Conclusion: The result of this study identified major factors influencing adoption of smartphone for the elderly and provided basic information related to adoption of smartphone according to elderly people's characteristics. Consequently, we can expect to reduce the information gap and to improve quality of life for the elderly. Application: The development and marketing strategy could be applied differently based on the factors influencing adoption of smartphone. It is also possible to develop a prediction model for smartphone adoption according to elderly users' characteristics.

• International Commerce and Information Review
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• v.16 no.3
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• pp.25-50
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• 2014

This study is to identify the factors and explore the moderating effects of gender in influencing customer behavioral intention to adopt mobile commerce in Shanghai and Guangzhou in China. An extended study based on TRA, TPB and TAM, UTAUT, technology adoption model is applied for designing on this study model of behavioral intention to adopt mobile commerce focused on emotional variables and cross-gender differences. The results of analysis reveal that the effects of perceived risk, personal innovativeness, individual familarity and social influence on behavioral intentions to adopt mobile commerce as well as to differ across gender. Differences cross gender is specially the perceived risk and social influence. Findings imply that mobile commerce operators need to be communicated to female consumers, the risk-free quality including security, payment and certification system along with the social influence of using mobile commerce. When targeting female consumers in China, the word of mouth marketing strategic approach and improvement of communications of mobile commerce should be focused.

• The Journal of Society for e-Business Studies
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• v.19 no.4
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• pp.205-229
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• 2014

Examination of the various impact factors on adoption sustainable IT can influence on the potential for creating sustainable businesses in today's society. However, the societal factor out of environmental factors, which stimulates customer intention to use sustainable IT, has seldom been investigated. In this paper, we examine the adoption of sustainable web technology from the pro-social behavior perspective. The concept of sustainable IT is theoretically examined based on social exchange theory. An empirical investigation is conducted into customer intention to use new sustainable IT. The results indicate that customers care about the social responsibility and usefulness of the sustainable IT-based services they choose. In this study, the social features of web technology and their influences on adoption are verified empirically for the first time. In addition, pro-sociality is identified as necessary to a perception of the socially responsible features of information technology. Furthermore, pro-social adoption behavior in the beginning stages of sustainable IT use is elucidated.