Disruptive technologies and abundance in the service sector - toward a refined technology acceptance model

Schmidthuber, Lisa; Maresch, Daniela; Ginner, Michael

doi:10.1016/j.techfore.2018.06.017

Cited by 108 publications

(114 citation statements)

References 59 publications

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“…First, on the front of sources of technological improvements in services, the findings are consistent with both contemporary and non-contemporary literature suggesting that sectors differ in ICT innovation as well as in characteristics or patterns and intensity of the ICT adopted (Pavitt, 1984;Chavas & Nauges, C, 2020;Schmidthuber, Maresch & Ginner, 2020). Some of the patterns in technological innovation that distinguish sectors which can be used to explain the relative importance of the service sector benefits from enhancing mobile phone and internet penetration are: (i) "supplier-dominated" in which the source of innovation is largely dominated by suppliers of technical systems and equipment; (ii) "physical and information networks" which entail service firms that are fundamentally focused on the improvement of technologies they employ and (iii) "specialized supplier and science based firms" which constitute relevant technological innovations outputs.…”

Section: Extension With Ict Policy Thresholds: Forecasting Technologisupporting

confidence: 84%

Enhancing Information Technology for Value Added Across Economic Sectors in Sub-Saharan Africa

Asongu

Rahman²,

Nnanna³

et al. 2020

SSRN Journal

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This study investigates how enhancing information and communication technology (ICT) affects value added across sectors in 25 countries in Sub-Saharan Africa using data for the period 1980-2014. The empirical evidence is based on the Generalised Method of Moments. The following findings are established. First, the enhancement of mobile phone and internet penetrations respectively have net negative effects on value added to the agricultural and manufacturing sectors.Second, enhancing ICT (i.e. mobile phone penetration

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Section: Extension With Ict Policy Thresholds: Forecasting Technologisupporting

confidence: 84%

Enhancing Information Technology for Value Added Across Economic Sectors in Sub-Saharan Africa

Asongu

Rahman²,

Nnanna³

et al. 2020

SSRN Journal

View full text Add to dashboard Cite

show abstract

“…When individuals are confronted with new technology, they can pass judgment on it according to their perception about that this new technology is whether compatible with their needs, lifestyles and experiences or not (Cheng, 2015). Therefore, high compatibility perception with the needs and lifestyles of individuals will accelerate the adaptation of them to new technology (Schmidthuber, Maresch, & Ginner, 2018). From the self-checkout system as self-service technology, time-saving is one of the main benefits seen by users (Meuter, Ostrom, Bitner, & Roundtree, 2003) and it can be a need for them.…”

Section: Compatibilitymentioning

confidence: 99%

Exploring the determinants of intention to use self-checkout systems in super market chain and its application

Cebeci¹,

Ertug²,

Türkcan³

2020

10.5267/j.msl

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Technology and innovativeness have played an important role in service industries because of the competitive state, especially in developing countries. While using innovative technologies such as self-checkouts in stores is seen as advantageous in many aspects for retailers, if customers cannot adopt it, the usage of in stores becomes disadvantageous. However, the literature offers limited knowledge about the customers' adoption of self-checkouts in spite of its value for the survival of firms. Therefore, understanding what factors affect individuals' intention to use self-checkout systems has been a need for both practitioners and researchers. This study aims to spot out the determinants of intention to use self-checkout systems in a supermarket chain. In this regard, this study employs the technology acceptance model (TAM) to which the constructs technology anxiety, technology self-efficacy, compatibility, and knowledge are incorporated into the original model. The results of the analysis of the data (N=281) reveals that: (i) technology self-efficacy and knowledge are positively related to two beliefs, perceived ease of use and perceived usefulness, (ii) compatibility is positively associated with perceived usefulness, (iii) perceived usefulness is positively related to attitude, and (iv) attitude is positively associated with intention to use.

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“…The authors conclude that mobile payments have the potential to take over the retail payments market for on-thespot transactions "as the different stakeholders [agreed] that this could be the next big evolution in the payment market" (p. 255). Schmidthuber et al (2018) describe mobile payment technology as providing a new performance dimension for products where previously there was no competition. Industry publications also view mobile money as transforming the financial services landscape and disrupting established financial services providers (Ernst & Young, 2019;GSMA, 2015;Napier, 2011;PricewaterhouseCoopers, 2016).…”

Section: About Disruptive and State-led Innovationmentioning

confidence: 99%

“…Gabor & Brooks, 2017;Jagtiani & Lemieux, 2017) and to a lesser extent, deposit-accepting financial institutions (Mullan, Bradley & Loane, 2017;World Bank, 2019b). These innovations, especially mobile banking, are described as disrupting the traditional banking sector and allowing consumers access to financial services, even in areas where bank penetration is low (Schmidthuber, Maresch & Ginner, 2018). This narrative of innovation and disruptive technology perpetuates the perception of the private sector as the source of long-term economic development.…”

Section: Introductionmentioning

confidence: 99%

All About the State: Fifty Years of Innovative Technology to Deliver an Inclusive Financial Sector

2020

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This paper documents the long-term nature of technological innovations which have transformed retail finance and addressed financial exclusion. The paper also contributes to the body of literature on the state as an entrepreneur. The roots of financial inclusion are traced back to the 1960s with a discussion of the role played by the state, in contrast to that of the private sector and disruptive innovation. The case of the world-recognised mobile payment service M-Pesa, which has been credited with transforming access to financial services in Africa, is then examined. The empirical results suggest that the state was actively involved in the development and deployment of applications of information and communication technologies which led to M-Pesa. This study provides support for policies that promote mobile banking technology as a means of enhancing financial inclusion. The study also confirms that public-private partnerships, together with an enabling regulatory environment, facilitate technological innovation.

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Disruptive technologies and abundance in the service sector - toward a refined technology acceptance model

Cited by 108 publications

References 59 publications

Enhancing Information Technology for Value Added Across Economic Sectors in Sub-Saharan Africa

Enhancing Information Technology for Value Added Across Economic Sectors in Sub-Saharan Africa

Exploring the determinants of intention to use self-checkout systems in super market chain and its application

All About the State: Fifty Years of Innovative Technology to Deliver an Inclusive Financial Sector

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