Factors Influencing the Adoption of Payment Banks in India Using an Extended TAM

Kaur, Japneet; Kaur, Sawraj; Syan, Amanjot Singh; Sharma, Rishi Raj

doi:10.1177/2319510x211013598

Cited by 10 publications

(9 citation statements)

References 50 publications

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“…The former refers to the public feeling of "the use of e-government platform to meet their expectations to participate in environmental governance", the more public expectation is met, the higher performance is expected. The latter refers to the public think of "using E-government platform to participate in environmental governance", the less effort, the simpler the operation, the higher the EE [24][25][26]. Previous studies have found that the higher the public expectation of performance, the greater the motivation to participate in environmental governance.…”

Section: Impact Of Public Expectation On E-government Adoption Practicesmentioning

confidence: 99%

Research on E-Government Adoption in Environmental Governance from the Perspective of Public Participation: Empirical Analysis Based on 31 Provinces in China

Wa¹,

Zhang²

2023

Pol. J. Environ. Stud.

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Currently, the application of the Internet and new media platforms is more convenient for people's life and environmental governance. Based on Unified Theory of Acceptance and Use of Technology and Technology Acceptance Model, this study explores the impact mechanism and effect path of public E-government adoption in China, and constructs a new theoretical framework. The empirical analysis results show that: (1) Public expectation has a significant positive impact on their E-government adoption behavior. Performance expectancy can enhance the public's favorable impression of the E-government platform. Effort expectancy can make the public realize that the E-government platform can be flexibly used to solve the problems around us with the minimal effort. (2) The perception of use plays a partial mediating role between public expectation and adoption behavior. Perceived usefulness affects public participation in environmental governance by affecting performance expectancy, and the perceived ease of use affects adoption behavior by affecting effort expectancy, which indicates that different perception of use has different transmission paths. (3) The platform service quality and public trust has a positive moderating effect between public expectation and E-government adoption behavior. Specifically, the better service quality, the stronger the positive impact of performance expectancy on E-government adoption behavior. The stronger public trust, the stronger the positive impact of effort expectancy on E-government adoption.

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Section: Impact Of Public Expectation On E-government Adoption Practicesmentioning

confidence: 99%

Research on E-Government Adoption in Environmental Governance from the Perspective of Public Participation: Empirical Analysis Based on 31 Provinces in China

Wa¹,

Zhang²

2023

Pol. J. Environ. Stud.

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“…PU is "The degree to which an individual believes that using a specific system would improve his or her job performance" (Davis, 1993, p. 476). An individual will accept a technology if he or she gets certain advantages from it and believes it will assist them in achieving their objectives (Kaur et al, 2020). Lin (2010) explained PU in the e-recruitment context as the ability of job-seekers to get career information (pay, perks, rewards and other basic components) while also, increasing their chances of getting the job.…”

Section: Literature Review and Hypotheses Formation 21 Technology Ado...mentioning

confidence: 99%

“…Innovative technologies that are simple to handle and learn are more inclined to be adopted (Chauhan et al, 2019). PEOU is one of the most pertinent elements that might influence the adoption of innovation by shaping the intentions (Kaur et al, 2020). The ease with which e-recruitment may be used to complete job applications may increase the probability of adopting it (Parikh et al, 2021).…”

Section: Literature Review and Hypotheses Formation 21 Technology Ado...mentioning

confidence: 99%

Elucidating the role of gender differences via TAM in e-recruitment adoption in India: a multi-group analysis using MICOM

Kaur

2022

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Purpose This paper aims to answer two research questions: first, to study the factors that directly and indirectly influence the intentions of job-seekers and second, to examine the moderating role of gender differences in e-recruitment adoption through the application of technology acceptance model (TAM) in India. Design/methodology/approach A convenience sampling technique was used to collect online data via GoogleDocs through various online channels such as social media, LinkedIn and email. The final data was collected from 364 final-year graduates and postgraduate students to confirm the impact of female and male differences, measurement invariance in composite models (MICOM) and multi-group analysis (MGA). Findings The results indicated that perceived usefulness (PU) and perceived ease of use (PEOU) have a direct impact on attitude (AT), whereas PU influenced behavioral intentions (BI) of job-seekers, but PEOU did not. AT directly leads to the BI. The outcomes of mediation analysis show that AT partially mediates the relationships between PU to BI and PEOU to BI. Further, the findings of MICOM and MGA showed that gender significantly moderates all the relationships between the constructs except for the influence of AT on BI. Research limitations/implications This study contributes to the current literature, revealing that the original TAM model is still pertinent and effective in prevailing periods in emerging markets. The significance of PEOU and PU on AT and BI implies that job-seekers will strongly adopt e-recruitment when it is user-friendly and assist them to accomplish their tasks easily and efficiently. Moreover, gender has a vital moderating influence in e-recruitment adoption. In the case of females, the effect of PEOU is stronger, and for males, PU has a substantial impact on adoption. Practical implications Developers and recruiters should provide significant information related to salary, location and job profile on e-recruitment to enhance the adoption rate of online recruitment. Further, the usefulness of e-recruitment systems was more significant for males compared to females, whereas female job-seekers prefer the e-recruitment system, which is easy to use and operate. Originality/value This research fills a gap in the literature by examining the essential factors affecting the BI of job-seekers as well as empirically testing the impact of gender differences to adopt TAM for e-recruitment – an under-explored subject in developing countries like India.

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“…Here, the authors were able to explain 67.5% of the behavioral intention of adoption of PBs through their proposed model. Another study by Kaur et al ( 2020 ) has explored the behavioral intention to adopt PBs through extended technology acceptance model (TAM). TAM relies upon an individual’s perception of the usefulness of a particular technology and perceived ease of use to study the usage of a particular technology.…”

Section: Research Background and Review Of The Literaturementioning

confidence: 99%

“…Given the novelty of these differentiated banks, a grounded theory approach has been adopted to identify factors and understand the underlying dynamics. Gupta et al ( 2019 ) and Kaur et al ( 2020 ) have explored customer adoption intention with regard to PB. While the former has used the Unified Theory of Acceptance and Use of Technology (UTAUT) along with perceived credibility as a construct, the latter has used the Technology Acceptance Model (TAM).…”

Section: Introductionmentioning

confidence: 99%

Adoption of payments banks: a grounded theory approach

Pramani

Iyer

2022

J Financ Serv Mark

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Payments banks came into existence in India in 2015 when the Reserve Bank of India awarded licenses to eleven applicants to set up these banks specifically to further financial inclusion by providing small savings accounts and facilitating payments and remittances to the financially excluded population. As of March 2020, only six of these were operative and not very successful, both from the profitability and customer growth perspectives. This article seeks to understand the reason for payments banks not taking off as envisaged. Attributing this primarily to low adoption of payments banks by the financially excluded customer segments, this study uses a grounded theory approach based on data collected from interviews of target customer groups and of managers at some payments banks. The primary factors contributing to low adoption by the customer segments studied here, namely migrant labor and small vendors, have been identified as lack of awareness, lack of trust and lack of perceived need for their products/services. These factors arise due to inconsistencies between the business model design and the nature of the target audience. The article further discusses managerial and policy implications of these conclusions.

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Factors Influencing the Adoption of Payment Banks in India Using an Extended TAM

Cited by 10 publications

References 50 publications

Research on E-Government Adoption in Environmental Governance from the Perspective of Public Participation: Empirical Analysis Based on 31 Provinces in China

Research on E-Government Adoption in Environmental Governance from the Perspective of Public Participation: Empirical Analysis Based on 31 Provinces in China

Elucidating the role of gender differences via TAM in e-recruitment adoption in India: a multi-group analysis using MICOM

Adoption of payments banks: a grounded theory approach

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