Determining factors in the adoption and recommendation of mobile wallet services in India: Analysis of the effect of innovativeness,stress to use and social influence

Potential for the use of mobile wallet is enormous and it is drawing attention as an alternative mode of payment worldwide. The present research aims to provide important insights into the TAM (Technology Acceptance Model) and UTAUT2 (Unified Theory of Acceptance and Use of Technology) models. This study develops a conceptual model to determine the most significant factors influencing user's intention, perceived satisfaction and recommendation to use mobile wallet. The research model included 206 responses from an online and manual survey in India. Our study tested the moderating effect of innovativeness, stress to use and social influence on user's perceived satisfaction and recommendation to use mobile wallet services. We found that ease of use, usefulness, perceived risk, attitude, to have significant effect on user's intention, which further influenced user's perceived satisfaction and recommendation to use mobile wallet services. We also determined the significant moderating effect of stress to use and social influence on user's perceived satisfaction and recommendation to mobile wallet services. This study provides an integrated framework for academicians to measure the moderating effect of psychological, social and risk factors on technology acceptance. It can also help practitioners by identifying important factors affecting user's decision, which further affects user's perceived satisfaction and recommendation to use mobile wallet services.     

移动服务用户采纳行为的整合模型——基于移动阅读的实证研究

基于信息系统、行为科学和心理学理论,从一般技术因素、特定技术因素、消费者心理因素和社会影响因素四个方面构建了一个整合的移动服务用户采纳行为的结构方程模型。在我国移动服务背景下,以移动阅读为研究对象,运用SPSS 13.0和PLS结构方程分析软件验证模型和假设。研究发现:影响用户采纳基于工作环境下的传统信息技术和基于日常生活环境下的移动信息技术的关键因素存在显著差异。感知愉悦性、心流体验、感知易用性和感知移动性是影响用户采纳移动阅读的主要因素,而感知有用性、感知货币价值和社会影响对用户采纳移动阅读的影响不显著。     

基于技术接受模型的企业管理创新过程机制研究

基于社会心理学的理性行为理论,借鉴两栖模型,构建一个整合模型,分析技术接受模型的两个维度——感知有用性和感知易用性——对中小企业管理创新的影响。以珠三角地区的449家制造型中小企业为调查对象,运用层次回归分析方法进行实证检验,结果表明：管理创新对成长绩效具有显著正向影响;感知易用性不仅对管理创新有正向直接影响,还正向调节管理创新与成长绩效的关系;感知有用性对管理创新与成长绩效间关系的调节效应不显著,但对管理创新具有显著正向影响。     

A SEM-neural network approach for predicting antecedents of m-commerce acceptance

Higher penetration of powerful mobile devices – especially smartphones – and high-speed mobile internet access are leading to better offer and higher levels of usage of these devices in commercial activities, especially among young generations. The purpose of this paper is to determine the key factors that influence consumers’ adoption of mobile commerce. The extended model incorporates basic TAM predictors, such as perceived usefulness and perceived ease of use, but also several external variables, such as trust, mobility, customization and customer involvement. Data was collected from 224 m-commerce consumers. First, structural equation modeling (SEM) was used to determine which variables had significant influence on m-commerce adoption. In a second phase, the neural network model was used to rank the relative influence of significant predictors obtained from SEM. The results showed that customization and customer involvement are the strongest antecedents of the intention to use m-commerce. The study results will be useful for m-commerce providers in formulating optimal marketing strategies to attract new consumers.     

The path to mobile shopping compatibility

The mobile technology involves an unexplored world of doing business and consumer behavioral change that constitutes a revolution in the application of technologies to marketing. A key factor in the adoption of mobile commerce is the compatibility that the consumer perceives with his/her life. Given that the research on compatibility with mobile purchases made so far treats it as an antecedent of adoption, this pioneer research studies the influencing role of two more personal factors (self-efficacy and innovativeness) and two factors more related to the shopping (involvement and perceived entertainment). The model was tested using PLS with information from 583 Mexican mobile buyers. Our results show a positive effect of innovativeness, involvement and perceived entertainment on compatibility. On the contrary, self-efficacy does not seem to influence the perception of compatibility of mobile shopping with consumer life. This work has important implications for the practice of professionals dedicated to mobile commerce.     

Understanding the adoption of location-based recommendation agents among active users of social networking sites

Nowadays, using increasingly granular data, from real-time location information and detailed demographics to consumers-generated content on the social networking sites (SNSs), businesses are starting to offer precise location-based product recommendation services through mobile devices. Based on the technology acceptance model (TAM), this paper develops a theoretical model to examine the adoption intention of active SNS users toward location-based recommendation agents (LBRAs). The research model was tested by using the Partial Least Squares (PLS) technique. The results show that perceived usefulness, perceived control, and perceived institutional assurance are important in developing adoption intention. Perceived effort saving, special treatment, and social benefit have influences on the adoption intention through the mediating effect of perceived usefulness. Perceived accuracy has direct influence on adoption intention.     

外部环境对中小型企业采用数字技术影响研究

数字技术对企业发展至关重要。中小型企业是我国经济发展的重要贡献者,相较于大型企业,其对外部环境更为敏感,但现有研究却未解释外部环境影响中小型企业采用数字技术的作用机制。为此,研究基于技术-企业-环境（TOE）框架理论,构建了结构方程模型,并利用207家中国中小型企业的数据对模型进行了实证检验。结果表明,政府政策和竞争压力两个外部环境变量通过技术因素对中国中小型企业采用数字技术产生间接影响;企业层面的感知利得对中小型企业采用数字技术的影响并不显著。研究结论可解释外部环境影响中小型企业采用数字技术的路径,对中国中小型企业数字化转型具有启示意义;同时,结果证实了数字能力和数字兼容性两个技术因素在外部环境与中小型企业采用数字技术间起到的中介作用,可对现有TOE框架理论形成补充与完善。     

感知产品创新对冲动购买的作用机制研究

产品创新是否被消费者以冲动购买的方式接受是企业和学术界关心的重要议题。本研究以手机制造业为例,从技术创新的角度,采用多元统计的方法构建了消费者感知的产品创新与冲动购买意愿的关系模型,并引入了情感反应作为中介变量。研究结果表明:外观创新、操作创新与冲动购买意愿之间存在积极的正向关系;功能创新与冲动购买意愿之间存在负向关系;快乐情感在产品创新与冲动购买意愿之间起到显著中介作用,而唤起情感在二者关系中的中介效应不显著。     

非洲农户资源禀赋、内在感知对技术采纳的影响——基于埃塞俄比亚奥罗米亚州的农户调查

技术革新是农业发展的核心动力,技术援助是中国对非洲农业援助的重要方式。本文选取中国援埃塞俄比亚农业技术示范中心所在地奥罗米亚（Oromia）州进行农户调研,根据农业技术扩散特点对已有技术接受模型（TAM）进行调整与扩展,以埃塞俄比亚当地推广的小麦苗床拓宽技术（BBM）为例,实证分析农户资源禀赋与内在感知对非洲农户新技术采纳决策的影响。结果表明：农户资源禀赋作为外在约束对新技术采纳行为存在显著影响,其中小麦种植面积对新技术采纳具有显著的正向影响,土地规模、劳动力数量对新技术采纳具有显著的反向影响;感知有用性、感知易用性是农户对技术认知的内在约束,对农户新技术采纳决策具有显著的正向影响;感知社会规范是农户个体内化的社会约束,传统技术的社会规范对农户新技术采纳决策存在显著的负向影响。由研究结论提出,中国在非洲的农业技术示范与推广应在实施对象、前期推广、传统转变等方面做好策略准备。     

Digital payment and banking adoption research in Gulf countries: A systematic literature review

The global spread and use of internet and mobile contributed to the development of digital payments and baking. There is a lack of research which provides comprehensive synthesis and analysis of factors affecting the use and adoption of digital banking and payment methods in GCC countries. Thus, the aim of this paper is to provide a comprehensive literature review and perform weight and meta-analysis. By reviewing 46 studies, it was found that best predictors for digital payment and banking adoption in GCC countries are trust, perceived security and perceived usefulness. Based on the extensive literature review, the conceptual of factors affecting adoption digital banking and payment methods in Gulf countries model was proposed, which will set agenda for future research. Practitioners will be able to use the findings from this study to improve adoption and quality of digital banking and payment services     

Mobile application security: Role of perceived privacy as the predictor of security perceptions

Despite mobile applications being at the frontier of mobile computation technologies, security issues pose a threat to their adoption and diffusion. Recent studies suggest that security violations could be mitigated through improved security behaviors and attitudes, not just through better technologies. Existing literature on behavioral security suggests that one of the main predictors of users’ perceptions of security is their perceived privacy concerns. Using communication privacy management theory (CPM), this study examines the effects of privacy-related perceptions, such as privacy risk and the effectiveness of privacy policies, on the security perceptions of mobile app users. To empirically test the proposed theoretical model, two survey studies were conducted using mobile apps requesting less sensitive information (n = 487) and more sensitive information (n = 559). The findings show that the perceived privacy risk negatively influences the perceived security of the mobile apps; the perceived effectiveness of a privacy policy positively influences user perceptions of mobile app security; and perceived privacy awareness moderates the effect of perceived privacy risk on the perceived security of mobile apps. The results also suggest that users have different privacy-security perceptions based on the information sensitivity of the mobile apps. Theoretical and practical implications are discussed.     

基于UTAUT和TTF模型的移动图书馆用户采纳行为研究

移动图书馆是新的网络环境下为用户提供随时、随地、随需信息服务的应用平台,近年来其呼声热度很高,但仍然面临用户采纳率不理想的局面,为解决此现实问题,分析和挖掘影响移动图书馆用户采纳意愿的因素,解释和预测移动图书馆用户行为是至关重要的。本文在整合UTAUT和TTF模型的基础上,从用户感知和任务/技术的双重视角构建理论模型,采用实证研究方法,利用结果方程模型探究各个因素对移动图书馆用户采纳意愿的影响。数据分析结果表明,绩效期望、个体创新和感知信任对移动图书馆用户采纳意愿有显著正向影响,任务技术匹配通过绩效期望间接影响用户采纳意愿。并在此基础上讨论了本文对移动图书馆发展的理论和实践意义。     

The adoption of M-government services from the user’s perspectives: Empirical evidence from the United Arab Emirates

The primary aim of this study is to examine the factors that predict end users’ intention to adopt mobile government (m-government) services in a developing country. The research is based upon a self-administered questionnaire survey of 120 current users’ in the United Arab Emirates (UAE), a leader in m-government development in the Arab world. The study employs advanced statistical techniques to test an extended the Technology Acceptance Model (TAM) by incorporating the determinants of trust, cost, social influence, variety of services, perceived usefulness in information technology and demographic profiles. The findings revealed that trust and social influence are positively associated with end users intention to adopt m-government services in the UAE. By identifying the predictors of users’ adoption of m-government, this study provides several theoretical and practical implications related to m-government service adoption.     

组织情境对创新速度影响的实证分析——技术不确定性的调节作用

从技术不确定的角度分析团队组织情境因素,包括领导支持、任务挑战、组织鼓励对创新速度的影响;以我国162家企业为样本,以竞争强度、团队规模、研发成本和新产品开发资源作为控制变量,构建理论模型并进行检验。研究结果表明:领导支持比任务挑战更能提高创新速度;当技术新颖度高及波动性大时,即技术不确定性程度高时,领导支持对创新速度正向影响更大;当技术新颖度中等以及技术波动性低时,任务挑战对创新速度影响更大;一般情况下,组织鼓励与创新速度之间是正相关,然而当技术波动性大时,组织鼓励与创新速度之间负相关。     

公众采纳移动政务服务的综合接受模型研究

在技术接受模型TAM、修正的技术接受模型TAM2、技术采纳与利用整合理论UTAUT、创新扩散理论IDT和信任模型的基础上,结合移动政务的特性,提出移动政务服务的用户接受模型,并通过具体分析外部变量和内部变量的各影响因素,对我国移动政务的建设提出建议。     

移动图书馆用户采纳行为影响因素Meta分析

为解决不同学者对移动图书馆用户采纳行为影响因素在程度和方向上的差异,探索影响移动图书馆用户采纳行为普适性的因素,综合已有国内外移动图书馆用户采纳行为32篇实证研究共8725个独立样本进行综合分析,采用定量和定性相结合的元分析方法,从四个方面即知识内容特性、技术媒介特性、情境特性和个体特性考虑影响采纳行为的变量。研究结果表明,感知有用性、感知质量、任务-技术匹配、感知易用性、兼容性、可访问性、主观规范、自我效能、创新精神是影响用户采纳意愿的主要因素,感知成本则对采纳意愿有显著的阻碍作用。同时,针对研究结果,结合移动图书馆应用情境从知识内容构建、系统技术保障、营销推广和用户引导四个方面提出了促进移动图书馆用户采纳行为的策略。     

Mobile technology identity and self-efficacy: Implications for the adoption of clinically supported mobile health apps

Despite smartphone applications (apps) being key enablers of telemedicine, telehealth, and self-monitoring, adoption issues persist for mobile healthcare (mHealth) apps. This study diverged from the traditional adoption approach and drew on more innovative theories to predict the intentions of patients for adopting apps supported by clinics. More specifically, technology identity literature was explored to make this prediction and the study surveyed 292 patients who were seated in the waiting room of a local clinic. The results suggested that perceived mobile technology identity (MTI), perceived related IT experience, and perceived self-efficacy positively influences patients’ perceived intentions to adopt mHealth apps provided by clinics or hospitals. Furthermore, the results suggested that perceived related IT experience positively influences users perceived self-efficacy and perceived MTI. However, education was found to negatively influence patients’ perceived intentions to use mHealth apps. This study contributes to the growing literature on the use of these apps in trying to elevate the quality of patients’ lives. Moreover, there are implications for mHealth-app designers who are trying to make healthcare services accessible via smartphones.     

创新驱动发展:感知产品创新对高新技术产品购买意图的影响研究

为探究市场中消费者对高新技术产品的购买意愿,基于计划行为理论,引入感知产品创新和消费者创新性。实证结果显示,感知产品创新通过态度、主观规范、知觉行为控制的中介作用对高新技术产品的购买意图有积极影响,且主观规范的中介作用最强;消费者创新性负向调节感知新颖性与态度间的关系,还负向调节感知风险性与态度间的关系。本文丰富了高新技术产品购买意图和感知产品创新的理论内容,为企业高新技术产品的营销实践提出建议,旨在真正实现创新驱动发展。     

Exploring the dynamics of novelty production through exaptation: a historical analysis of coal tar-based innovations

Theories of technological change fail to account for innovation stemming from affordances of previously developed artefacts.  The literature has highlighted that novelty can originate from market needs, from inferences made from scientific theories or be the object of deliberate technology projects in technology-push models. More recently, scholars have suggested that exaptation, defined as the co-option of artefacts for new functions, may constitute a different path to novelty production. However, the link between the existing artefact and the genesis of new functions driving exaptation is underexplored. Through a longitudinal case study of instances of emergence of new technologies stemming from a single compound, coal tar, we show that exaptation plays a role in all novelty production and, in some cases, it is its main determinant. We build a model of exaptive novelty production that captures the interactions between secondary effects of existing technology, affordances, functionalities, and the emergence of new functions. Our model enriches the theory of innovation by integrating both serendipitous and planned processes as well as both artefactual characteristics and human intentionality.     

Understanding customer satisfaction and loyalty: An empirical study of mobile instant messages in China

With the rapid development of mobile technology and large usage rates of mobile phones, mobile instant message (MIM) services have been widely adopted in China. Although previous studies on the adoption of mobile services are quite extensive, few focus on customer satisfaction and loyalty to MIM in China. In this study, we examine the determinants of customer satisfaction and loyalty. The findings confirm that trust, perceived service quality, perceived customer value, including functional value and emotional value, contribute to generating customer satisfaction with MIM. The results also show that trust, customer satisfaction and switching cost directly enhance customer loyalty. Additionally, this study finds that age, gender, and usage time have moderating effects. Finally, implications for the marketing of MIM are discussed.