A structural equation model for evaluating user’s intention to adopt internet banking and intention to recommend technology

Rahi, Samar; Ghani, Mazuri Abd; Ngah, Abdul Hafaz

doi:10.5267/j.ac.2018.3.002

Cited by 72 publications

(91 citation statements)

References 23 publications

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“…The result indicated that all constructs met the minimum requirement of 0.7 (Rahi, Ngah, & Ghani, 2018). Moreover the reliability of individual items was assessed by investigating the factor loading of all variables with their corresponding constructs.…”

Section: Measurement Modelmentioning

confidence: 99%

The Influence of Public Service Experience on Adopting Digital Government Innovations in Ethiopia

Senshaw¹,

Twinomurinzi²

2020

IFIP Advances in Information and Communication Technology

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Digital government innovation is being recognised as a solution to many problems faced by governments in providing services to their citizens. It is especially important for lowincome countries where there are resource constraints. This research was aimed at exploring the moderating effect of gender on the adoption of a digital government innovation in Ethiopia based on the UTAUT model (n=270) and using structural equation modeling (SEM). The results reveal that gender only moderates the relationship between facilitating conditions and usage behavior of government employees to adopt the digital government innovation which is inconsistent with other findings. Another key finding was that even though the innovation was regarded as not being easy to use, women identified that they would still use it because of the social influence from the peers and the bosses. This finding suggests that women government employees who obtain external support are more likely to use digital government innovations compared with men who are unlikely to use it even if they were facilitated. The paper recommends that governments of low-income countries like Ethiopia should design appropriate policies that encourage women in digital government.

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Section: Measurement Modelmentioning

confidence: 99%

The Influence of Public Service Experience on Adopting Digital Government Innovations in Ethiopia

Senshaw¹,

Twinomurinzi²

2020

IFIP Advances in Information and Communication Technology

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“…Therefore, effort expectancy is explained as the degree of ease associated with the use of the system (Venkatesh et al , 2003). Several researchers have investigated technology adoption issues in online retailing using UTAUT model (Chiu and Wang, 2008; Marchewka et al , 2007; Rahi, Ghani, Alnaser and Ngah, 2018; Rahi, Ghani and Ngah, 2018). Therefore, less has been noticed about integration of information technology models that combine social psychological factors (service quality) and technology-related constructs (performance expectancy and effort expectancy).…”

Section: Literature Reviewmentioning

confidence: 99%

Investigating the role of UTAUT and e-service quality in internet banking adoption setting

Rahi

Ghani

2019

TQM

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Purpose Technology adoption is a great challenge in the banking sector of Pakistan. A recent report issued by state bank of Pakistan revealed that there is a squeak growth, only 3 percent, in internet banking adoption. In order to effectively delve into the issue of internet banking adoption, the purpose of this paper is to use unified theory of acceptance and use of technology factors, namely performance expectancy and effort expectancy and e-service quality (E-SQ), as theoretical lens for this study. Design/methodology/approach The research model was empirically tested using 398 valid responses from customers of commercial banks in Pakistan. The theoretical model was tested using structural equation modeling. Findings Findings indicate that performance expectancy, effort expectancy, website design, customer service, assurance and reliability have direct influence on user intention to adopt internet banking. Results revealed that approximately 79 percent of variance in user intention to adopt internet banking was explained by predictors. In addition, the mediating role of performance expectancy and effort expectancy among website design, customer service and user intention was also confirmed. Practical implications For researchers, this study provides a base of integrated technology model and it suggests using this model in other online domains such as mobile payment and online web-shopping for further refinement. For policymakers, understanding the key constructs is important to design, refine and implement new internet banking website that, in turn, will boost internet banking adoption trend among users of commercial banks. Originality/value This paper makes a unique contribution toward information system and services marketing literature. The study schematized that website design, customer service, assurance and reliability are the key dimensions of E-SQ and significantly influence the user intention to adopt internet banking.

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“…Interoperability will become a permanent issue of research and experimentation since heterogeneity and constant change will persist for the foreseeable future (Cheni & Doumeingts, 2005). Therefore, this study aimed to find out factors that may influence the intention to use for mobile money service interoperability using Technology Acceptance Model (TAM), D&M IS success model and The Task-Technology Fit (TTF) to help develop not only practical useful models but also provide a basis for gaining a deeper understanding of strong correlations among factors that influence the usage of mobile money services and get better exploratory power than the individual theory use (Dahlberg et al, 2015;Rahi et al,2018a;Anouze & Alamo, 2020). For example, Chale & Mbamba (2014) combined TAM, DoI, and UTAUT theories to provide a basis for a deeper understanding of SMEs' need to continue using mobile money to enhance their businesses.…”

Section: Statement Of the Problemmentioning

confidence: 99%

Investigating Users' Acceptance of Mobile Money Services Interoperability: A Case Study of Tanzania

Mswahili¹

2021

IJAERS

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Using mobile phones for financial transactions has been on a sharp increase globally and in Tanzania in particular. The introduction of mobile money interoperability allows customers to undertake money transfers across different telecom mobile money accounts and bank accounts. This study aimed to find out factors that may influence the acceptance and successful use of mobile money services interoperability that are tailored to banking and unbanked users' intention by integrating three globally accepted theories; DeLone and McLean information system success model (D&M), The Technology Acceptance Model (TAM) and The Task-Technology Fit (TTF) Theory. The study hypotheses were empirically tested using data from 447 mobile money users from both telecom and banks. Data were analysed using the correlation and regression technique. This study found that approximately 81.5% of the dependent variable, which is interoperability of mobile money services was accounted for by the regression analysis and therefore can strongly be explained very well by independent variables which are Perceived Ease of Use; price value; Network Availability; Security and Trust; Service quality; Task Characteristics. This study's findings provide valuable understandings for formulating effective strategies concerning financial inclusion to mobile money service providers, governments, and other stakeholders and expand the existing customer base to mobile money service providers. Moreover, this study's results will provide the basis for further refinement of technology acceptance and success models in the emerging mobile money service domain. I. INTRODUCTIONToday, mobile phones can be used as a means of communication and the means of financial inclusion in most low-income countries. 65% of adults in the world's poorest economies still lack access to even the most basic transaction account that would allow them to send and receive payments more safely and efficiently (Pazarbasioglu et al., 2020). The mobile phone has made mobile money services possible and now reaches millions of unbanked low-income populations in developing countries, especially in rural areas (GSMA, 2019; Demirguc-Kant et al., 2018). According to UNCTAD (2019), mobile money has improved financial inclusion, making it easier, real-time insight at a lower cost, cheaper and safer to transfer money, and paying for goods and services. By the end of 2019, 5.2 billion people subscribed to mobile services, accounting for 67% of the global population, and forecasted that in 2023 more than $1 trillion will be transacted via mobile platforms annually, with over $2.8 billion a day (GSMA, 2020). Evidence shows that there are over 1.04 billion registered mobile money accounts worldwide, of which 469 million are from Sub-Saharan Africa. There are 229 live mobile money deployments in 95 countries transacting US dollars 40.8 billion processing over US dollars 1.9 billion per day globally (GSMA, 2019). Tanzania has experienced explosive growth in the use of mobile money since the

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A structural equation model for evaluating user’s intention to adopt internet banking and intention to recommend technology

Cited by 72 publications

References 23 publications

The Influence of Public Service Experience on Adopting Digital Government Innovations in Ethiopia

The Influence of Public Service Experience on Adopting Digital Government Innovations in Ethiopia

Investigating the role of UTAUT and e-service quality in internet banking adoption setting

Investigating Users' Acceptance of Mobile Money Services Interoperability: A Case Study of Tanzania

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