Examining the Relationship between UTAUT Construct, Technology Awareness, Financial Cost and E-Payment Adoption among Microfinance Clients in Malaysia

Mohamad, Siti Aishah; Kassim, Salina

doi:10.2991/agc-18.2019.56

Cited by 22 publications

(24 citation statements)

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“…Hence, this finding was positive based on the beta value and level of probability estimate. Also, this result was consistent with Mohamad and Kassim (2019) findings that suggested the significant influence of social influence factor on technology acceptance.…”

Section: Resultssupporting

confidence: 92%

Podcast acceptance for pedagogy: the levels and significant influences

Ifedayo

Ziden

Ismail

2021

Heliyon

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There is limited empirical evidence arguing against accepting and using podcasts for educational purposes. This may in part, explain the recent surge in the acceptance of podcasts for pedagogy, alongside the COVID-19 pandemic. Both students and lecturers have been greatly affected by this pandemic which may explain the uptake in the use of podcasts. However, few studies have explored podcast use for pedagogy and thus, there is limited empirical backing. This study investigated pedagogy and considered podcast performance expectancy, effort expectancy, social influence, facilitating condition, cultural, social, and political beliefs factors in Nigerian universities. This research introduced cross-sectional quantitative methods, which utilised a questionnaire, gathering data from three Federal Universities in Nigeria. The formulated hypothesis was rejected using multiple regression and a total of eight hundred and twenty-nine questionnaires were gathered from Nigerian university lecturers. The data was analysed and the results showed a low-level outcome with regards to podcast acceptance for pedagogy in Nigeria Federal Universities.

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Section: Resultssupporting

confidence: 92%

Podcast acceptance for pedagogy: the levels and significant influences

Ifedayo

Ziden

Ismail

2021

Heliyon

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“…Mwafise & Stapleton (2012) investigated the user adoption of mobile electronic payment systems for microfinance institutions in Cameroon and found that the majority of microentrepreneurs in Cameroon adopted the technology of m-payment. Mohamad & Kassim (2019) examined the technology adoption of e-payment adoption among microfinance clients in Malaysia, the analysis reveals that all the variables have no influence on e-payment, researchers further explained that such as result is due to small size of respondents. Development of e-payment in Malaysian MFIs also reach to the matured level by the introduction of its establishment since 2018 when TEKUN launched its mobile application system, TEKUNPay, (Mohamad & Kassim, 2019).…”

Section: Risk Mitigation In Microfinancementioning

confidence: 99%

Innovation of Risk Mitigation Model for Islamic Equaty-Based Financing in Islamic Microfinance Institutions in Indonesia

et al. 2021

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Islamic Microfinance institution (MFI) funded either by government or private financial institutions are playing an instrumental role in discharging business fund to the eligible micro entrepreneurs (ME). The potential of micro entrepreneurs to succeed in their business is always becoming a central issue, this is due to the ability to manage the business strategy in a sustainable manner. The fund transacted in micro financing industry is small in term of quantity, therefore it also generates small profit to both parties MFI and ME, it may not be profitable in the eye of financial institution such as bank or Microfinance institution such as Baitul Mal wa Tamwil, moreover the financing risk is always high because some of the financing given without proper risk mitigation could lead into financial failure. The above reasons have influenced most of the MFIs’s decision to abstain from providing equity-based financing, where the concept very much suitable and workable to bring out the groups of MEs from poverty list in comparison to debt-based financing. Equity-based financing require bigger commitment and intervention from MFI in business in term of coaching, training and managing cash flow of the business. Islamic equity-based financing is about profit and loss sharing (PLS) financing. Where both parties have to bear financial consequences in the event of business failure. The failure in business would cause non-performing financing (NPF) to the financial institution and could effect the financial position for that particular year of report. The continuous NPF to the MFI can risk the company future plan. Thus, this study aimed to explore the mechanism of risk mitigation for equity-based financing which can be adopted by Islamic microfinance institutions around the would. The mechanism used to suggest in area of governance, selection of entreprenuer, financing arrangement, payment system and business business sectors. The study applied content analysis to collect the history data of equity-based financing as offered by BMT and MFIs in Indonesia, the data informed researcher on the success and failure story, the study also applied structured interview with managers who are responsible on risk mitigation. The study found that BMT and MFIs in Indonesia are well-organized, the governance and selection of entreprenuer are palying significant role while the payment system which includes the collatoral against any negligence posits an effective way in mircofinance mitigation model.

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“…UTAUT is a comprehensive model that described roughly 70% of the variance in behavioural intention in technology acceptance and usage (Venkatash, 2012). Many studies confirmed the acceptability of UTAUT model in e-commerce context (Abubakar & Ahmad;Tarhini, Masa'deh, Al-Busaidi, Mohammed & Maqableh, 2017;Celik, 2016;Abrahao, Moriguchi & Andrde, 2016Samadi & Hakimiyan, 2017Mohamad & Kassim, 2018;Dwivedi, 2018;Cao & Niu, 2019). But majority of the studies that used UTAUT model have been conducted in developed countries and have not been widely tested in developing countries such as Nigeria.…”

Section: Theoretical Review and The Research Modelmentioning

confidence: 99%

“…Although there are various theories and models of technology adoption, the application of UTAUT in technology adoption research has been popular due to its ability to explain the users' and behaviour (Mohamad & Kassim, 2018). UTAUT is a comprehensive model that described roughly 70% of the variance in behavioural intention in technology acceptance and usage (Venkatash, 2012).…”

Section: Theoretical Review and The Research Modelmentioning

confidence: 99%

Intention Toward Acceptance of Online Shopping Among Consumers in Kano, Nigeria: Application of UTAUT Model Approach in A Nigerian Context

2020

JAAS

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Interestingly, the internet has become one of the most significant and popular platforms for businesses to market their offerings throughout the world. Shopping through the internet has emerged in recent years as a new concept and is advancing in many countries around the world, including sub-Saharan Africa such as Nigeria. However, the acceptance of e-shopping faces many challenges and barriers, such as technological, cultural, organisational, personal and social issues, which must be addressed for improved acceptance by consumers. Using a qualitative approach with a modified version of the UTAUT2 model (by integrating 'awareness of online shopping' and 'mobile skilfulness'), the focus of this paper is to explore the critical factors influencing consumer behavioural intention towards the acceptance of online shopping based on the UTAUT model approach. Purposive sampling technique was employed to select a sample of 17 participants. Focus group interview was conducted with Nigerian postgraduate students of Lovely professional university India. The findings suggest that performance expectancy, effort expectancy, social influence, awareness of online shopping and mobile skilfulness are the major factors that are likely to influence behavioural intention to accept online shopping in Nigeria. The result of this study will be beneficial for policy makers/government agencies, telecommunication companies as well as online stores.

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Examining the Relationship between UTAUT Construct, Technology Awareness, Financial Cost and E-Payment Adoption among Microfinance Clients in Malaysia

Cited by 22 publications

References 0 publications

Podcast acceptance for pedagogy: the levels and significant influences

Podcast acceptance for pedagogy: the levels and significant influences

Innovation of Risk Mitigation Model for Islamic Equaty-Based Financing in Islamic Microfinance Institutions in Indonesia

Intention Toward Acceptance of Online Shopping Among Consumers in Kano, Nigeria: Application of UTAUT Model Approach in A Nigerian Context

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