Relationships between locus of control, theory of planned behavior, and cyber entrepreneurial intention: The moderating role of cyber entrepreneurship education

Tseng, Timmy H.; Wang, Yumin; Lin, Hsin-Hui; Lin, Shin-jeng; Wang, Yi-Shun; Tsai, Tung-Han

doi:10.1016/j.ijme.2022.100682

Cited by 47 publications

(67 citation statements)

References 71 publications

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“…Based on the findings presented on the previous section, it can be suggested or concluded that all four variables (attitude, subjective norm, perceived usefulness, and perceived ease of use) found to have significant effects in determining or altering Indonesians' willingness to use credit card in order to conduct payment activities for any kind of transactions that these people made. These findings are also in line with the results obtained by various authors who found the significant effects of attitude, subjective norm, perceived usefulness and perceived ease of use toward determining people or consumers' willingness or intention to perform certain behavior (Tseng et al, 2022;Wilson, 2019;Sudyasjayanti and Salsabil, 2020;Susanto and Sugiyanto, 2021;Acharya and Mekker, 2022;Li et al, 2022;Ly and Ly, 2022. In this case, these results had successfully strengthened or reinforced the basic concept of both TRA and TAM which imply that attitude and subjective norm (in the case of TRA), together with perceived ease of use and perceived usefulness (in the case of TAM), serve as several important factors which undoubtedly can strengthened, affect or shape individuals' willingness or intention to conduct certain behavior -which in this research refers to the behavior of conducting payment activities using credit card. https://doi.org/10.24912/jmieb.v6i2.20591…”

Section: Discussionsupporting

confidence: 92%

Integrating Tra and Tam Theory to Explain Consumers’ Willingness to Use Credit Card in Indonesia

Wilson

Prayitno

2022

JMIEB

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Dalam kurun waktu 10 tahun terakhir, pembayaran non-tunai telah menjelma sebagai opsi pembayaran yang cukup banyak digunakan oleh masyarakat Indonesia ketika melakukan transaksi akan pembelian suatu barang atau jasa tertentu. Adapun tren ini semakin meningkat di masa pandemi COVID-19, dimana, dikarenakan masyarakat cenderung berusaha untuk meminimalisir kontak fisik dengan orang lain ataupun dengan benda-benda tertentu (termasuk uang fisik) yang dianggap mampu mempercepat penularan virus COVID-19 dari satu pihak kepada pihak lain, maka banyak masyarakat cenderung memilih untuk melakukan transaksi pembayaran secara non-tunai. Namun, hal yang menarik dari fenomena ini adalah bahwa dari berbagai media transaksi non-tunai yang dapat dipilih, kartu kredit masih menjadi salah satu pilihan opsi pembayaran yang cukup banyak digunakan ataupun dipilih oleh masyarakat dibandingkan dengan opsi pembayaran non-tunai lainnya. Dengan demikian, maka studi ini dilakukan guna mengkaji beberapa aspek yang di-hipotesakan mampu mendorong penggunaan kartu kredit sebagai media pembayaran non-tunai di kalangan masyarakat Indonesia dari perspektif theory of reasoned action (TRA) serta technology acceptance model (TAM). Sebanyak 178 data terkumpul dari para responden, dimana, responden merupakan pengguna kartu kredit aktif yang telah menggunakan kartu kredit untuk berbagai transaksi yang telah dilakukan minimal 5 kali dalam 6 bulan terakhir. Metode purposive sampling digunakan untuk memastikan bahwa responden telah memenuhi kriteria yang ditetapkan di dalam studi ini. Dengan menggunakan metode PLS, hasil analisis data menemukan bahwa perceived ease of use, ditambah dengan subjective norm, attitude serta perceived usefulness, merupakan beberapa faktor yang secara signfikan mempengaruhi intensi masyarakat di dalam menggunakan kartu kredit untuk bertransaksi. For the past 10 years, cashless payment had emerged as one of the most popular payment method used by Indonesians to conduct various transactions for the goods or services that they buy. Such trend intensified during the COVID-19 pandemic, in which, since people decided to limit the amount of physical contact that they had toward various goods (such as physical money) due to fear of contracting the virus, many of these people opted to shift to various forms of cashless payment in order to pay for the products that they’re buying. In this case, surprisingly, compare to the other forms of cashless payments, credit cards still regarded as one of the most preferred cashless payment tool by Indonesians, thus proving the popularity of credit cards despite the influx of several cashless payment applications established in Indonesia which offer similar services to consumers. Therefore, this research aims to specify factors which can affect people’s willingness to use credit cards from the perspectives of both theory of reasoned action (TRA) and technology acceptance model (TAM). 178 respondents filled in the questionnaires, in which, respondents were active credit cards users who’ve used credit cards for various transactions that they’ve conducted at least 5 times in the last 6 months. Using PLS, the results of the data analyses showed that perceived ease of use, together with attitude, subjective norm and perceived usefulness, serve as four significant factors which affect Indonesians’ willingness to use credit cards for the transactions that they conducted.

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Section: Discussionsupporting

confidence: 92%

Integrating Tra and Tam Theory to Explain Consumers’ Willingness to Use Credit Card in Indonesia

Wilson

Prayitno

2022

JMIEB

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“…TPB states that behavioral beliefs affect attitudes toward behavior, subjective norms affect subjective norms, and control beliefs affect perceived behavioral control (Islam et al, 2022;Yadav & Pathak, 2017). Attitude influences behavior because the desire to adopt a behavior is based on a belief in its expected outcomes (Syarkani & Tristanto, 2022;Tseng et al, 2022). Subjective norms influence behavior due to individuals' normative beliefs in response to perceived group pressure that influences certain behaviors (Khan et al, 2019;Tseng et al, 2022).…”

Section: Theory Of Planned Behaviormentioning

confidence: 99%

“…Attitude influences behavior because the desire to adopt a behavior is based on a belief in its expected outcomes (Syarkani & Tristanto, 2022;Tseng et al, 2022). Subjective norms influence behavior due to individuals' normative beliefs in response to perceived group pressure that influences certain behaviors (Khan et al, 2019;Tseng et al, 2022). Perceived behavioral control influences behavior because of beliefs regarding the existence of factors that facilitate or inhibit a behavior, making it easy or difficult to perform (Ajzen, 2020).…”

Section: Theory Of Planned Behaviormentioning

confidence: 99%

The Influence of Subjective Norms, Financial Literacy, Trust, and Government Regulation on Behavioral Intention to Invest in Crypto Assets

Prasetyo¹,

Kurniasari²

2023

Preprint

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Indonesian crypto asset owners are expanding despite the government's ban. Crypto assets are too risky for Indonesian investors. This study uses the Theory of Planned Behavior and exogenous variables like financial literacy, trust, and government regulation to determine the causes of the intention to invest in crypto assets. Exogenous variables and behavioral intentions were moderated by gender. The study employs a quantitative approach, collecting data through a questionnaire survey of 149 adults over the age of 17 who have invested in non-crypto assets. SmartPLS was used to analyze research data. Financial literacy and trust, according to the study's findings, have an impact on the intention to invest in crypto assets. Gender can moderate the relationship between belief and behavioral intention. Women are more likely than men to invest in crypto assets due to the block chain system's security, transparency, and ease of use. This research is expected to help the government address the risks associated with investing in crypto assets by increasing transaction security with futures clearing and monitoring by using third parties as depositors. It also governs the laws governing crypto exchanges' liability to their investors.

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“…Theory Planned Behavior (TPB) is a theory used to predict individual intentions that encourage individuals to make decisions to like to save (Morales-Pérez et al, 2022;Tseng et al, 2022). Ajzen, (1991) postulates that intention is based on three psychological factors including: Attitude, Subjective Norm, and Perceived Behavioral Control (Liu et al, 2022).…”

Section: Ways Of Bumnag Pakandangan Emas To Improve Community Financi...mentioning

confidence: 99%

Improving financial literacy of village community by using a saving program: A social enterprise strategy

Putri

Ihsan

2022

esber

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A social enterprise is an organization that has a social mission and uses innovative revenue-generating techniques to fulfill their mission. Social mission in social enterprises is to improve the well-being of the community through good business practices. Nagari's Owned Enterprise (BUMNag) is an organization run with a social enterprise business model. Therefore, the establishment of BUMNag aims to gain profits through empowerment to the community. The purpose of this study is to explore how BUMNag role in improving financial literacy of village community. This research uses a qualitative approach. Data collected through observation, interviews, documentation, then analyzed data is using a modified Theory of Planned Behavior (TPB) to investigate BUMNag innovative idea of a "bajapuik saving system" in improving financial literacy. Informants numbered 10 people, 5 BUMNag managers and 5 people who opened bajapuik deposit contracts. The results of this study show that the strategy with the bajapuik deposit program implemented by BUMNag Pakandangan Emas can provide people with an understanding of the urgency of making deposits from now on to anticipate risks that will occur in the future.

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Relationships between locus of control, theory of planned behavior, and cyber entrepreneurial intention: The moderating role of cyber entrepreneurship education

Cited by 47 publications

References 71 publications

Integrating Tra and Tam Theory to Explain Consumers’ Willingness to Use Credit Card in Indonesia

Integrating Tra and Tam Theory to Explain Consumers’ Willingness to Use Credit Card in Indonesia

The Influence of Subjective Norms, Financial Literacy, Trust, and Government Regulation on Behavioral Intention to Invest in Crypto Assets

Improving financial literacy of village community by using a saving program: A social enterprise strategy

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