• The Journal of Asian Finance, Economics and Business
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• v.8 no.1
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• pp.939-950
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• 2021

The purpose of this research is to investigate the factors affecting Thai commercial bank users' behavioral intention towards QR code payment system via mobile banking applications. The researchers conducted the study based on quantitative research approach. Non-probability sampling method such as the quota and convenience sampling was applied as sampling technique. A self-administered questionnaire was distributed. The data was collected from 1,800 respondents living in Bangkok, who have had an experience with QR code payment system with the top-three mobile banking applications in Thailand. This study concentrates on confirmatory factor analysis and structural equation modeling as a statistical tool to examine the data, model accuracy, and influence of critical variables. In addition, the researchers applied the first-order and second-order techniques to examine the relationship between constructs. Adoption readiness and perceived risk were second-order constructs. The results reveled that compatibility has an impact on attitude towards QR code payment. Moreover, adoption readiness, compatibility, attitude, and personal innovativeness are statistically significant that impact behavioral intention towards QR code payment. The strongest antecedents of behavioral intention were compatibility, attitude, adoption readiness, and personal innovativeness, respectively. Surprisingly, perceived risk and perceived trust do not statistically have a significant impact on behavioral intention towards QR code payment.

• Asia pacific journal of information systems
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• v.31 no.2
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• pp.236-256
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• 2021

Online financial technology products are an important consumer finance innovation. While a large body of previous research has focused on initial adoption and consumer willingness to use these products, little research explores the continued use of these products beyond the initial adoption phase. In particular, special attention should be paid to how users' trust and perceptions of privacy and security affect continued use behavior. This paper integrates the expectation confirmation model of information system continuance (ECM-ISC), the information system success model (ISSM) and the security and trust literatures to investigate continued use of online financial technology. To test the research model, we collected 398 valid questionnaires from Ant Credit Pay users. The research results show that system and service quality positively impact users' expectation confirmation, while information quality has no significant impact. Expectation confirmation and perceived usefulness positively affect user satisfaction. Moreover, the user's perception of privacy and security plays a vital role in user satisfaction. Satisfaction and perceived trust jointly promote users' continuance behaviors. Findings of this study indicates the importance of the information system success factors and security factors due to their influence on the continued use of Fintech products. This conclusion has implications for enterprises in improving the product qualities and enhancing the degree of security to meet user needs.

• Journal of the Korean Operations Research and Management Science Society
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• v.31 no.2
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• pp.41-55
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• 2006

RFID (Radio Frequency IDentification) is a wireless frequency recognition technology that can be used to recognize, trace, and Identify people, things and animals using radio frequency. Although current RFID technology can provide wide advantages in many fields, most companies do not consider widely adopting this technology yet. This paper presents RFID implementation as a technology innovation. This research selects three affecting factors of IT infrastructure, fitness of Tag, fitness of Frequency, and one moderator of the power of business partners, on RFID adoption based on innovation model, and then empirical survey is conducted among the companies using RFID technology or planing for RFID adoption to investigate the relationship of three affacting factors and one moderator factor. Reserachers can find the direction to activate RFID technology as a competitive advantage.

• The Journal of Industrial Distribution & Business
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• v.11 no.4
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• pp.7-18
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• 2020

Purpose: This research investigates the impact of technology adoption on organisation productivity. The framework has three independent variables viz. technological change, information technology (IT) infrastructure, and IT knowledge management and one dependent variable as organisational productivity. Research design, data and methodology: An explanatory research design with a quantitative research method was employed, and data was collected using a self-administered questionnaire using online as well as an offline survey. The sample consisted of 300 IT managers and senior-level executives (production as well as service team) in leading IT companies in Malaysia selected using snowball sampling. Normality and reliability assessment was performed in the first stage utilising SPSS 22, and Confirmatory Factory Analysis (CFA) was performed with maximum likelihood estimation to assess the internal consistency, convergent validity, and discriminant validity. Finally, Structural Equation Model (SEM) and path analysis are conducted using AMOS 22. Results: The research findings demonstrated that technological change and IT infrastructure positively and significantly impact the organisation's productivity while IT knowledge management has significant but negative impact on organizational productivity of IT companies in Malaysia. Conclusion: The research concludes that all three factors plays important role in deciding organizational producvity. Recommendations, implications, limitations and future research avenues are discussed.

• The Journal of Society for e-Business Studies
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• v.16 no.4
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• pp.155-172
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• 2011

The purpose of this study is to examine factors affecting an individual's acceptance of mobile banking, which is a typical example of smartphone based self-service. We derive three personal traits(positive technology readiness, negative technology readiness and individual's expertise) as antecedent variables that affect intention to use mobile banking from previous studies, and adopt a technology readiness and acceptance model(TRAM) to investigate factors that determine an individual's intention to use mobile banking. TRAM, which integrates technology readiness index(TRI) into the technology acceptance model (TAM) in the context of consumer adoption of e-service systems, is adopted to examine personal traits influencing on the factors forming the attitude of mobile banking. The new findings of this study are as follows. First, individual's expertise and positive technology readiness(ptr) have significant effect on both perceived usefulness and perceived easy of use. However, negative technology readiness(ntr) has significant effect on only perceived easy of use.

• Information Systems Review
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• v.20 no.1
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• pp.41-59
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• 2018

This study analyzed the factors that affect acceptance of online direct marketing in agricultural companies. Empirical analysis was conducted using the research model based on the individual's technology acceptance model (TAM) and the information technology adoption models in organizations. These models have four dimensions: 1) technology characteristics, which include perceived usefulness and perceived ease of use of TAM 2) CEO characteristics, which including the innovativeness and IT capability of CEOs; 3) organizational readiness, which include financial, technological, and human resources capabilities and 4) environment and external pressure, which include government support and changes to the Internet environment. These concepts were empirically tested. A total of 209 valid data were collected through questionnaires and analyzed using confirmatory factor analysis and path analysis through the application of structural equation modeling. Results show that perceived usefulness, IT capability of CEOs, and changes to the Internet environment have significant effects on the adoption intention of online direct marketing. However, perceived ease of use, CEO innovativeness, government support, and the variables of organizational readiness dimension did not have significant effects on adoption intention. This study suggests practical implications for adoption of online direct marketing in agricultural companies.

• Asia pacific journal of information systems
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• v.19 no.4
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• pp.1-28
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• 2009

Banking industries have continuously innovated through technology-enhanced products and services. Many studies have recognized the importance of the Internet in banking industries, arguing that it has been widely adopted. Many studies published on the Internet banking in specific countries are mostly related with such issues as internet banking adoption and acceptance, security and risks of online banking system, and interface design. Several studies have been done to examine the differences and similarities between other banking channels and the Internet banking. However, to the best of our knowledge, only a limited number of studies has examined the differences and similarities between two specific countries in order to create a new customer satisfaction model. In this research, we studied the internet banking satisfaction model by comparing two countries: South Korea and Indonesia. We conducted an empirical study based on the data collected in both two countries. In this research, we found that countries which have adopted electric banking services, particularly between a country with high ICT adoption and a country with low ICT adoption, show different satisfaction trends. Based on the study results, herein we provide discussion, managerial, and practical implications.

• Journal of Information Technology Services
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• v.18 no.1
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• pp.13-26
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• 2019

This study analyzes the characteristics of lending-based crowdfunding of various crowdfunding models, identifies the factors affecting the use of the general public, and provides suggestions for the policies set by real estate crowdfunding businesses and related authorities. To analyze the service's adoption from a cognitive perspective, this study developed a new model that combined the Value-based Adoption Model (VAM), motivation theory, and a set of variables that take into account the characteristics of the real estate industry. For empirical analysis, survey was conducted from the general investors of real estate and valid 252 data were utilized by R 3.2.2. The results of this study showed that both government regulation and the perceived risk are hindering the perceived values and intention to use crowdfunding for real estate. In contrast, this research found that among the intrinsic motivation, enjoyment had a significant impact on the perceived value. In addition, it turned out that among the extrinsic motivation, market attractiveness, brand credibility, expected return, and safety and protection had significant impacts on the perceived value. Finally, it showed the perceived value of real estate crowdfunding had a positive impact on the intention to use.

• Asia pacific journal of information systems
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• v.22 no.3
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• pp.29-52
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• 2012

As sustainability has grown into a key global issue, more and more information technology (IT) products have adopted these concepts to attract consumers. However, these products potentially require consumers' physical or economic sacrifice at least for a short period of time. Therefore, the reason of consumers' adoption of sustainable IT products cannot be fully explained by the two traditional values: hedonic and utility values. However, expectancy-value theory, which has been used to explain the relationship between value and behavior, still takes hedonic value and utility value into consideration. The purpose of this study is to suggest an amended expectancy-value theory to better explain the adoption of IT products that consider sustainability. For this purpose, two social values-the normative value based on the Schwartz's model of moral norm and the eudemonic value of the Stoic philosophy-were added to the individual values to examine which value particularly influences the adoption of sustainable IT products. In addition, the moderating effect of perceived sustainability between four values and adoption of sustainable IT products was verified.

• Korean Management Science Review
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• v.30 no.2
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• pp.11-30
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• 2013

Small and medium-sized enterprises (SMEs) constitute an important part of current industrial economies. Information technologies can be useful strategic weapons for SMEs by enhancing their competitiveness. Categorized as one kind of cloud computing, SaaS is a computing resource and software sharing model which can be accessed via the Internet. Based on virtualization technology, SaaS is expected to improve the efficiency and quality of the IT service level in SMEs. This study attempts to identify the determinants of SaaS adoption intention among Korean SMEs. Through the lens of the theory of planned behavior, this study adopts technological, organizational, environmental factors to explore the determinants of cloud computing adoption intention. The research population is the SMEs that have been funded by the Korean government. Partial least square method was used for empirical analysis of 190 samples collected through on-line survey. The results show that the positive attitude is influenced by business process improvements. Vender support and top management support are positively associated with subjective norm. Vendor support, top management support can relieve perceived behavior control factors. Government support directly influences adoption intention of cloud computing. These findings can provide useful strategy for both SMEs and vendors of SaaS.