• 제목/요약/키워드: perceived ease-of-use

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An Application of TAM and TRI on the Factors Affecting Internet Banking Adoption in Bangladesh

  • AMIN, Md. Iftekharul;ERFAN, Nafis;NAVID, Mashrur;KHAN, Mohammed Shafiul Alam;ISLAM, Md. Shariful
    • The Journal of Asian Finance, Economics and Business
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    • 제9권9호
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    • pp.75-91
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    • 2022
  • This study assesses the Internet banking adoption tendency by existing bank customers of Bangladesh. Currently, almost all the leading banks in the country have implemented Internet banking platforms. However, the active user count remains relatively low and there hasn't been any conclusive research on the drivers and inhibitors of Internet banking. This study evaluates the reasons and quantitatively establishes the factors leading to the adoption and usage continuance of internet banking by existing bank customers. Responses from 460 bank account holders were collected via online questionnaires using a purposive sampling approach, and a core conceptual framework based on Technology Acceptance Model (TAM) and Technology Readiness Index (TRI) was used. The study concluded that internet banking adoption is significantly impacted by the ease of use, customer service, and technology familiarity. Similarly, customer satisfaction is affected by the perceived value and the perceived risk. Through regression analysis, it was found that usage continuance is 89% explained by adoption and customer satisfaction. Multi-group moderation showed significant impact by groups divided based on usage frequency, income level, and age. Perceived risk weakened the impact of perceived value and technology familiarity on usage adoption. Additionally, perceived risk reduced the impact of consumer satisfaction and usage continuance.

E-commerce Adoption in Distribution: An Empirical Study on Household Businesses in Food and Beverage Industry

  • NGUYEN, Xuan Truong;NGUYEN, Thai Ha;DANG, Huynh Phuong;PHAM, Thi Lan Phuong;BUI, Thi Thanh;TRAN, Nhat Minh;HUYNH, Tri An;NGUYEN, Nam Phong
    • 유통과학연구
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    • 제20권2호
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    • pp.65-77
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    • 2022
  • Purpose: This study aims to identify factors affecting the adoption of e-commerce by household businesses in Vietnam's food and beverage industry. Research design, data and methodology: The integrated TAM and TOE frameworks and ten hypotheses were developed to test the relationship between relevant factors. A cross-sectional survey was conducted to collect valid data from 992 respondents who run F&B household businesses in Vietnam. Results: The empirical research results confirm all proposed hypotheses that e-commerce adoption is affected by the perceived usefulness, the perceived ease of use, vendor support partners, social expectancy, competitive pressure, subjective norm, and household resources. Meanwhile, technical readiness, environment readiness, and organization readiness are intermediate variables that influence the implementation of e-commerce in food and beverage distribution. Conclusions: The findings suggest effective orientations to foster the food and beverage e-trading practice for household businesses in developing countries. Accordingly, to encourage private household businesses to adopt e-commerce, it is necessary to focus on improving business resources, technology readiness, environment readiness, and organization readiness through raising awareness of usefulness, benefits, perceived ease of use, and increased support of vendor partners. Future research can focus on improving the efficiency of e-commerce applications in F&B distribution for both household businesses and larger-scale enterprises.

공유경제 서비스 이용의도에 관한 실증연구 : 가격민감성·신뢰성과 기술수용모형을 중심으로 (An Empirical Study on the Use Intention to Sharing Economy Services : Focusing on Price Sensitivity, Reliability and Technology Acceptance Model)

  • 이정수;전희성;정명선
    • 디지털융복합연구
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    • 제14권7호
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    • pp.57-72
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    • 2016
  • 최근 소비자들 개인이 가지고 있는 자원을 공유함으로써 자원의 효율성을 향상시키고, 개인의 욕구를 충족시키기 위한 방향으로 소비가 변모하게 되면서 공유경제 서비스가 확대되고 있다. 이에 본 연구는 공유경제 서비스가 가지고 있는 특징을 고려하여 실증적 분석모형을 개발하고, 공유경제의 이용의도에 영향을 미치는 요인들에 대한 분석 및 공유경제 서비스의 차별성을 반영하기 위하여 기술수용모형에 가격민감성과 신뢰성을 추가하고, 지각된 즐거움을 포함하여 확장된 기술수용모형을 활용한 연구를 수행하였다. 분석결과, 가격민감도, 자기효능감, 기술혁신성, 신뢰성, 지각된 유용성, 사용용이성, 지각된 즐거움 및 이용의도는 각각 서로 다른 방식으로 영향을 미치는 것으로 나타났다. 본 연구를 통해 공유경제 서비스의 이용의도를 명확하게 파악할 수 있었으며, 소비자에게 이용의도 확대를 위한 시사점을 제공할 수 있었다.

인터넷 쇼핑몰 수용에 있어 사용자 능력의 조절효과 분석 (An Analysis of the Moderating Effects of User Ability on the Acceptance of an Internet Shopping Mall)

  • 서건수
    • Asia pacific journal of information systems
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    • 제18권4호
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    • pp.27-55
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    • 2008
  • Due to the increasing and intensifying competition in the Internet shopping market, it has been recognized as very important to develop an effective policy and strategy for acquiring loyal customers. For this reason, web site designers need to know if a new Internet shopping mall(ISM) will be accepted. Researchers have been working on identifying factors for explaining and predicting user acceptance of an ISM. Some studies, however, revealed inconsistent findings on the antecedents of user acceptance of a website. Lack of consideration for individual differences in user ability is believed to be one of the key reasons for the mixed findings. The elaboration likelihood model (ELM) and several studies have suggested that individual differences in ability plays an moderating role on the relationship between the antecedents and user acceptance. Despite the critical role of user ability, little research has examined the role of user ability in the Internet shopping mall context. The purpose of this study is to develop a user acceptance model that consider the moderating role of user ability in the context of Internet shopping. This study was initiated to see the ability of the technology acceptance model(TAM) to explain the acceptance of a specific ISM. According to TAM. which is one of the most influential models for explaining user acceptance of IT, an intention to use IT is determined by usefulness and ease of use. Given that interaction between user and website takes place through web interface, the decisions to accept and continue using an ISM depend on these beliefs. However, TAM neglects to consider the fact that many users would not stick to an ISM until they trust it although they may think it useful and easy to use. The importance of trust for user acceptance of ISM has been raised by the relational views. The relational view emphasizes the trust-building process between the user and ISM, and user's trust on the website is a major determinant of user acceptance. The proposed model extends and integrates the TAM and relational views on user acceptance of ISM by incorporating usefulness, ease of use, and trust. User acceptance is defined as a user's intention to reuse a specific ISM. And user ability is introduced into the model as moderating variable. Here, the user ability is defined as a degree of experiences, knowledge and skills regarding Internet shopping sites. The research model proposes that the ease of use, usefulness and trust of ISM are key determinants of user acceptance. In addition, this paper hypothesizes that the effects of the antecedents(i.e., ease of use, usefulness, and trust) on user acceptance may differ among users. In particular, this paper proposes a moderating effect of a user's ability on the relationship between antecedents with user's intention to reuse. The research model with eleven hypotheses was derived and tested through a survey that involved 470 university students. For each research variable, this paper used measurement items recognized for reliability and widely used in previous research. We slightly modified some items proper to the research context. The reliability and validity of the research variables were tested using the Crobnach's alpha and internal consistency reliability (ICR) values, standard factor loadings of the confirmative factor analysis, and average variance extracted (AVE) values. A LISREL method was used to test the suitability of the research model and its relating six hypotheses. Key findings of the results are summarized in the following. First, TAM's two constructs, ease of use and usefulness directly affect user acceptance. In addition, ease of use indirectly influences user acceptance by affecting trust. This implies that users tend to trust a shopping site and visit repeatedly when they perceive a specific ISM easy to use. Accordingly, designing a shopping site that allows users to navigate with heuristic and minimal clicks for finding information and products within the site is important for improving the site's trust and acceptance. Usefulness, however, was not found to influence trust. Second, among the three belief constructs(ease of use, usefulness, and trust), trust was empirically supported as the most important determinants of user acceptance. This implies that users require trustworthiness from an Internet shopping site to be repeat visitors of an ISM. Providing a sense of safety and eliminating the anxiety of online shoppers in relation to privacy, security, delivery, and product returns are critically important conditions for acquiring repeat visitors. Hence, in addition to usefulness and ease of use as in TAM, trust should be a fundamental determinants of user acceptance in the context of internet shopping. Third, the user's ability on using an Internet shopping site played a moderating role. For users with low ability, ease of use was found to be a more important factors in deciding to reuse the shopping mall, whereas usefulness and trust had more effects on users with high ability. Applying the EML theory to these findings, we can suggest that experienced and knowledgeable ISM users tend to elaborate on such usefulness aspects as efficient and effective shopping performance and trust factors as ability, benevolence, integrity, and predictability of a shopping site before they become repeat visitors of the site. In contrast, novice users tend to rely on the low elaborating features, such as the perceived ease of use. The existence of moderating effects suggests the fact that different individuals evaluate an ISM from different perspectives. The expert users are more interested in the outcome of the visit(usefulness) and trustworthiness(trust) than those novice visitors. The latter evaluate the ISM in a more superficial manner focusing on the novelty of the site and on other instrumental beliefs(ease of use). This is consistent with the insights proposed by the Heuristic-Systematic model. According to the Heuristic-Systematic model. a users act on the principle of minimum effort. Thus, the user considers an ISM heuristically, focusing on those aspects that are easy to process and evaluate(ease of use). When the user has sufficient experience and skills, the user will change to systematic processing, where they will evaluate more complex aspects of the site(its usefulness and trustworthiness). This implies that an ISM has to provide a minimum level of ease of use to make it possible for a user to evaluate its usefulness and trustworthiness. Ease of use is a necessary but not sufficient condition for the acceptance and use of an ISM. Overall, the empirical results generally support the proposed model and identify the moderating effect of the effects of user ability. More detailed interpretations and implications of the findings are discussed. The limitations of this study are also discussed to provide directions for future research.

웹사이트 사용성 요인이 인터넷서점의 고객 재방문의도에 미치는 영향 (The Effect of Web Site Usability on the Revisiting Intention of Customers in Internet Book Stores)

  • 유일;김재전;노희옥
    • 한국정보시스템학회지:정보시스템연구
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    • 제14권1호
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    • pp.87-105
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    • 2005
  • The purpose of this study id to examine the effect of Web site usability on the revisiting intention of customers in Internet book stores. The Web site usability construct consists of the factors such as contents, design, navigation, and interactivity. In order to accomplish the purpose of this study, a research model was established and it suggests that the usabililty effect the revisiting intention of online customers in Internet book stores. The results of the study show that contents, navigation, and interactivity has statistically significant effect on revisiting intention of Internet customers and this effect is mediated by perceived ease of use and perceived usefulness. This research confirms the importance of usability construct in designing web sites and understanding the use of web sites. Implications of these findings are discussed for researchers and practitioners.

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클라우드 서비스의 수용 관련 사회적 요인이 소비자의 이용의도에 미치는 영향 (The Influence of Social Factors of Acceptance of Cloud Services on Consumer Usage Intentions)

  • 쳔위페이;니에신위;全冬梅
    • 디지털융복합연구
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    • 제20권5호
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    • pp.173-178
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    • 2022
  • 정보기술의 발전과 다양한 관련 서비스의 보급으로, 5G와 클라우드 컴퓨팅과 같은 새로운 서비스를 통해 소비자들의 일상생활에 변화가 발생하고, 유통경로 및 비즈니스 패러다임의 디지털화 전환이 더욱 가속화되고 있다. 특히 클라우드 서비스의 정보 저장 및 관리 기능은 20-30대의 이용자들을 중심으로 널리 사용되고 보편화되었다. 따라서 본 연구에서는 클라우드 서비스의 수용 관련 사회적 요인을 중심으로, 새로운 기술에 대한 소비자들의 이용의도를 분석하고자, 20-30대의 젊은 소비자를 대상으로 연구를 진행하였다. 연구 결과는 클라우드 서비스의 수용 관련 사회적 요인과 소비자가 클라우드 서비스의 이용의도의 영향관계를 검증하였고, 사회적 요인과 이용의도 간의 영향관계에서 지각된 용이성의 부분 및 완전 매개효과도 검증하였다. 본 연구는 클라우드 서비스의 안정적이고 지속가능발전을 위한 시사점을 제시하는데 연구적 의의가 있다.

Antecedents of Continuous Use and Purchase Intention: In the Context of Mobile Application Store

  • Kim, Yoo-Jung;Han, Jin-Young
    • 한국컴퓨터정보학회논문지
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    • 제20권7호
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    • pp.65-76
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    • 2015
  • This study investigates predictors of continuance intention and purchase intention in mobile application(App) stores. This study identifies the structural relationships among app store quality, user habit, switching costs, user loyalty, continuance intention, and purchase intention in mobile application stores. The results indicate that user loyalty increases continuance intention and purchase intention and that user habit positively affects perceived switching costs and user loyalty. App store quality is a formative construct including quality of content, ease of use, and security. App store quality affects user habit positively. This study theoretically and practically contributes to the integration of influential factors for continuance intention as well as purchase intention.

개인용 클라우드 컴퓨팅의 특성 도출에 관한 탐색적 연구 (An Exploratory Study on the Derivation of Characteristics of Personal Cloud Computing)

  • 문혜영;류재홍;최진호
    • Journal of Information Technology Applications and Management
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    • 제20권2호
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    • pp.57-68
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    • 2013
  • Recently, cloud computing has been viewed as a technology of great influence. Despite the importance of personal cloud services, the majority of cloud computing studies has been focused on an enterprise level. Therefore, in this research, we list variables of personal cloud computing characteristics (accessibility, storage, trust, perceived ease of use, availability) from preceding research done on an enterprise level. So, through pilot testing, we analyze whether examined characteristic variables affect the intention to use personal cloud computing. Next, we investigate the relevancy between user characteristics, including gender, age, and occupation, and the usage rate of personal cloud computing. Lastly, we implement an analysis of variance in order to speculate whether there is any difference between the five characteristic variables in using personal cloud computing between cloud service enterprises. For empirical testing people with experience in personal cloud computing are surveyed. Frequency analysis, exploratory factor analysis, internal consistency analysis, T-test, ANOVA, and multiple regression analysis are implemented with 325 valid samples. The analysis results are as follows: First, among user characteristic variables, 'occupation' shows a significant relationship with cloud service usage, Second, between cloud service enterprises, all five characteristic variables of 'Naver N Drive' are thoroughly evaluated and 'Google Drive' receives a high evaluation in availability and accessibility. Third and finally, all of the selected characteristic variables affect the intention to use personal cloud computing. However, availability is identified to be the most important factor. This research will serve as a reference to enterprises for the practical implementation of personal cloud computing service.

사회적 영향이 정보 시스템 수용에 미치는 영향: 정보기술수용모형(Technology Acceptance)에서 (The Impact of Social Influence on Information Systems Adoption: An Extension to the Technology Acceptance Model)

  • 양희동;최인영
    • Asia pacific journal of information systems
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    • 제11권3호
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    • pp.165-184
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    • 2001
  • Despite many numbers of studies in Technology Acceptance Model(TAM), the social influence construct has not been recognized, nor handled clearly. This study includes the social influence construct in TAM and tests the robustness of the model for different information systems contexts: office automation(spreadsheet) and Internet(WWW) usage. Study findings include that 1) social influence has a direct impact on the usage of spreadsheet, but not on Internet(WWW) usage, and 2) social influence has a stronger indirect impact on IS use through perceived ease of use than through perceived usefulness(for both Internet and spreadsheet).

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모바일 애플리케이션 마켓(앱스토어)의 수용의도 영향요인에 관한 연구

  • 배재권
    • 한국데이타베이스학회:학술대회논문집
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    • 한국데이타베이스학회 2010년도 춘계국제학술대회
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    • pp.223-234
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    • 2010
  • This study is aimed at proposing a new research model in which application store intention to acceptance influence factors (i.e.. facilitating condition, mobile computing self-efficacy, service compatibility, and system quality) affect TAM (i.e., perceived usefulness and perceived ease of use) positively, leading to application store intention to acceptance eventually. This study developed a research model to explain the use of Apple's App Store, and collected 228 survey responses from the undergraduate students who had experiences with such application store services as game and personal information management application download. To prove the validity of the proposed research model, PLS analysis is applied with valid 228 questionnaires. By employing PLS technique, the measurement reliability and validity of research variables are tested and the path analysis is conducted to do the hypothesis testing. In brief, the finding of this study suggests that application store intention to acceptance influence factors affect TAM positively, and application store intention to acceptance as well.

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