• Asia pacific journal of information systems
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• v.30 no.1
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• pp.72-93
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• 2020

With the proliferation of smart devices, mobile banking has become increasingly important. Customers can manage their banking needs without desktop computers or a face-to-face meeting with bank tellers. However, contrary to expectation of wide-spread use of mobile banking, several factors restrict its adoption. The purpose of this study is to explore what factors affect positively or negatively the adoption of mobile banking from economic (operational competence, convenience, mental accounting), psychological (hope, self-efficacy, optimism, resiliency) and social perspectives (normative social pressure, embarrassment avoidance). This paper suggests that three enablers would consequently affect a customer's perceived utilitarian and hedonic value in mobile banking, followed by trust and intention to use. In testing the hypothesized research model, survey and analysis of a structural equation model using Amos are conducted. The findings emphasize that banks need to focus on perceived utilitarian and hedonic values when considering economic, psychological and social enablers most salient to customers in order to promote greater adoption of mobile banking services.

• The Journal of The Korea Institute of Intelligent Transport Systems
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• v.22 no.1
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• pp.291-310
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• 2023

This study explores the factors which affect user acceptance for Robo Taxi, an electricity-based Autonomous Vehicles based on a Value based Adoption Model. The three main factors of benefit (usefulness and enjoyment), sacrifice (technicality and perceived fee level), and user experience about mobility services such as car sharing, taxi, and autonomous vehicles, were finally selected as independent variables as a influential factors on perceived values and adoption intention of Robo taxi. The study found that usefulness, enjoyment, and perceived fee had a significant effects on adoption intention, and some user experiences had a significant effect on benefit factors. This study has important implications for incorporating the Value-based Adoption Model results into the service design for the activation of Robo taxi, and furthermore, they can provide a theoretical basis for effective use of the research findings.

• The Journal of Information Systems
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• v.32 no.1
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• pp.1-21
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• 2023

Purpose The purpose of this study is to investigate the intention of early application users in consideration of the characteristics of digital finance-based MyData service users. It is expected that user characteristics will affect the intention to use MyData service, which has not yet been advanced, and accordingly, it will examine how the characteristics of the initial users of MyData service and the intention to use it are connected. Design/methodology/approach The model used in this study is a value-based adoption model (VAM), and a lot of research has been conducted on information technology and online user acceptance and continuous use intention of online users. VAM has been proven useful through empirical analysis in many studies. The value-based acceptance model is a method of analyzing the intention to use Benefits and Sacrifices as the main elements of perceived value. It can be said to be a model that can analyze the benefits of use and the sacrifices to be made. Findings According to the analysis results of this study, it was found that usefulness, enjoyment, and reliability, which are the benefits of MyData service apps, had a positive effect on perceived value, which is partially consistent with existing research results. However, it was found that complexity, which is the sacrifice of MyData service apps, negatively affects perceived value and security has no negative impact. The results of security are considered to be complementary to financial institutions because MyData service deals with financial data based on personal information, and the research hypothesis is rejected because users' demands are relatively low. Therefore, MyData service apps should do more to increase benefits (usefulness, enjoyment, and reliability) than to reduce sacrifice (complexity) to users.

• Asia Marketing Journal
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• v.24 no.2
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• pp.51-61
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• 2022

The goal of this study is to scrutinize the impact of individual online convenience dimensions on mobile banking acceptance and use in Mongolia. A total of 211 valid responses were collected from Mongolian university students who currently use mobile banking application services from local banks. The SmartPLS 3.3 software was used to conduct the confirmatory factor analysis and test the hypotheses. Using structural equation modelling, this research discovered that access convenience, transaction convenience, and possession/post-possession convenience are the main constructs related to the adoption of mobile banking services. Perceived innovation showed a significant positive effect on the adoption of mobile banking technologies. Through practical and theoretical implications, this research aims to assist mobile banking service channels of local and international banks in Mongolia. Identifying which online convenience dimensions impact the adoption and use of mobile banking will contribute to the adoption of competitive strategies for financial institutions and banks.

• The Journal of Society for e-Business Studies
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• v.15 no.4
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• pp.123-142
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• 2010

Generally speaking, user behavior in the post-adoption period is different from that in the pre-adoption period. Users come to make on their experiences of IT use whether they will continue to use it or not. Most theories about the user behaviors in the pre-adoption period are limited in describing them after adoption since they do not consider user's experiences of using the adopted IT and the beliefs formed by those experiences. Therefore, in this study, we explore user's experiences and beliefs such as familiarity, satisfaction and habits in the post-adoption period and examine how they affect user's intention to continue in using Mobile Social Network Service. Through literature reviews, we proposed the conceptual model to explain the role of users' habits in continuance of IT post-adoption stage. Then, we examine the impact of the constructs to affect the intention to continue using the Mobile SNS. The results show that the intention to continue to use Mobile SNS is strongly influenced by users' habits, satisfaction and familiarity; users' habits is strongly influenced by satisfaction and familiarity; satisfaction is strongly influenced by familiarity.

• Proceedings of the Korea Database Society Conference
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• 2010.06a
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• pp.187-199
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• 2010

Recently, Internet Telephony has become increasingly popular in telecommunication industry. However, previous research on Internet Telephony has focused on analyzing specific Internet Telephony solutions, identifying the Internet Telephony movement itself. The research on prediction models about Internet Telephony adoption has been minimal. The main propose of this study is to develop models for predicting transition intention from using traditional telephones to using Internet Telephony. To do so, this study uses data mining methods to analyze demands in the IT communications market and to provide management strategies for Internet telephony providers. Especially this study uses discriminant analysis, logistic regression, classification tree, and neural nets to develop the prediction models for the Internet Telephony adoption. The models are compared with each other and a superior model is chosen.

• Journal of Information Technology Services
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• v.10 no.3
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• pp.149-166
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• 2011

While the importance of adopting cloud computing service has been emerged, comparatively little research has been conducted on examining factors of an individual user's intention to switch toward cloud computing service. Hereafter, this study presents and empirically tests users' intention to switch to cloud computing. Our model posits that the characteristics of cloud computing such as collaboration support, accessability, trust to cloud service affect perceived value, which in turn, influences intention to switch. An experimental study using student subjects provided empirical validation for our proposed model. Survey data from 106 respondents was used to test the model using partial least square analysis. According to our results, the characteristics of cloud computing were found to have significant impact on users' intention to switch that partially mediated by perceived value. Based on our research findings, we hope that this research will stimulate researchers' interest in the emerging area of cloud computing adoption.

• Journal of Venture Innovation
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• v.5 no.4
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• pp.91-108
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• 2022

This study is an empirical analysis regarding what kind of factors affect the intention to use autonomous vehicles. For the empirical analysis the research model was derived from value-based adoption model base and integrated some aspects that only autonomous vehicles have. At default variables of VAM are usefulness, enjoyment, technicality, perceived cost, some autonomous vehicle related variables were added, and those are convenience, safety, security, social influence. A survey was done in order to empirically analyze with this research model, and 216 valid survey answers were chosen to analyze. Empirical analysis was done by structural equation using AMOS24. The result of empirical analysis were as follows. Variables usefulness, enjoyment, safety, security had a significant positive effect on perceived value. Technicality and perceived cost had a significant negative effect of perceived value. In addition, security and social influence had no significant effect on perceived value. Furthermore, perceived value had significant positive effect on intention to use. Among the variables that came out to be significantly positive, the most influencing variable was safety, followed by convenience, perceived cost, enjoyment, usefulness and then technicality. In addition, the analysis of mediating effect of perceived value shows that usefulness, enjoyment, convenience, safety, technicality, perceived cost had mediating role towards intention to use. However, security and social influence had no siginificant mediating effect towards intention to use. Considering all these research results this study has provided theoretical and practical implications to researchers on the intention to use autonomous vehicles.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.7
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• pp.311-321
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• 2020

This paper aims to investigate the effect of the factors on the e-invoice at its infant stage of adoption in the context of Vietnam. Data were collected by using a questionnaire delivered to 318 participants who are managers and accountants of companies in Vietnam from June to September 2019. The statistical methods approaches are employed to address the research issues including Cronbach's Alpha testing, Explanatory Factor Analysis (EFA), and Confirmation Factor Analysis (CFA). Then, Structural Equation Modeling (SEM) is employed to assess the proposed hypotheses model of e-invoice adoption in Vietnam. The research findings showed that direct factors have a statistically significant impact on the e-invoice adoption towards behavior, and perceived behavioral control. Perceived usefulness and perceived ease-of-use positively affect attitude towards the behavior. These factors, in turn, are impacted by perceived compatibility. Based on the research results, some practicable suggestions are proposed in order to boost the number of Vietnamese enterprises voluntarily adopting e-invoice. This study indicates the important impacts of the user's attitude and perception about control ability on intention to use. In addition, some key intuitive recommendations were proposed aiming to improve the success of the e-invoice adoption of enterprises in the context of Vietnam.

• The Journal of the Convergence on Culture Technology
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• v.9 no.1
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• pp.587-594
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• 2023

The purpose of this study is to examine the factors influencing the intention to use the Metaverse from various angles based on the Extended Technology Acceptance Model and Value-based Adoption Model. Specifically, we examined whether there is a difference in perception of the Metaverse and in factors affecting the intention to use the Metaverse between the Metaverse experienced and non-experienced. For this purpose, the variables were classified into the technical characteristics of the Metaverse (interactivity, content quality), perceived benefits (perceived usefulness, perceived enjoyment), and perceived sacrifices (perceived risk, perceived complexity) and a survey was conducted with university students. The findings of this study indicate that the perceived interactivity, usefulness, and enjoyment of the Metaverse had a major impact on the intention to use the Metaverse for those without Metaverse experience, whereas enjoyment of the Metaverse had the greatest impact on the intention to use the Metaverse for those with Metaverse experience. Based on the study results, we provided marketing strategy implications for continuous growth and development of the Metaverse industry.