The study of technology acceptance for e-wallets application of clinic fees payment

Abstract

The purpose of this study was to investigate the demand of application of e-wallet in domestic retail industry by examining the needs of adoption of small amount paying method and the reasons for customers’ using of IC stored value card in this industry and aimed at providing suggestions on the e-development of small amount paying methods for domestic retail and banking industries. This study was developed in a way that the model constructs in TAM were adapted to the context of using e-wallets for clinic fees. Scale items on the survey include those measuring perceived usefulness, perceived ease of use, a user's attitude toward using and intention. The questionnaire contains no identifying information about the individual participants. A total of 320 Taipei City Hospital patients’ feedbacks were collected. Results indicate most of the relationships in the proposed model are statistically significant and in the predicted directions. Each observed variables influence with two ways: direct effect and indirect effect, and the total effect is the sum of direct effect and indirect effect. The Main effect of most of these observed variables is direct effect, but the information technology experience with the perceived usefulness. In this study, it could be finding that the perceived usefulness, the perceiver ease of use is positively associated with users’ attitude toward using, and the perceiver ease of use is positively associated with the perceived usefulness. It means the useful and easily operation of payment clinic fees with e-wallet products (such as Taipei Easy Card) is very important for the users. Besides, the easier for e-wallet using, the more people think it is usefulness. This suggestion is the same as the point at issue of Davis [1]. The users’ attitude toward using is positively associated with the intention using

Empirical Analysis of Users’ Acceptance of Application-Based E-Money

“…Their acceptance of e-money is more influenced by the enjoyment of using e-money, the information about e-money, and personal information credibility. In this case, the results of this study do not support previous studies that show that PU and PEOU positively influence users' intention to use (16), (17), (18), (19). However, the previous study supported the results of this study regarding the effect of PE (1), (20), and PC (3) on behavioral intention.…”

Exploring factors affecting the adoption of Mobile Payment at physical stores

“…PEOU influences attitude, which in turn influences the intention to use m-coupons (Jayasingh and Eze, 2010). Lai (2012) showed that the PU, the PEOU is positively associated with users' attitude toward using, and the PEOU is positively associated with the PU. Arvidsson (2013) found that the most important factor explaining whether consumers are likely to use a mobile payment service is PEOU.…”

“…With the birth of e-commerce, one of the mobile payment methods: e-wallet has emerged to provide consumer transactions with convenience and confidence not only in virtual marketplace but also in entity shops. Lai (2012) have analysed the factors that enable consumers to use e-wallets for clinic fees in Taipei, and added prior information technology experience to the TAM; they found that the more positive a person's experience about an object is, the more positive beliefs he or she will hold about it. People had preference only for the useful and easily operation of payment (Lai, 2012).…”

“…Lai (2012) have analysed the factors that enable consumers to use e-wallets for clinic fees in Taipei, and added prior information technology experience to the TAM; they found that the more positive a person's experience about an object is, the more positive beliefs he or she will hold about it. People had preference only for the useful and easily operation of payment (Lai, 2012). In addition to the e-wallet used for clinic fees, mobile payment is available in many offline areas.…”

Implementation of Mobile Payment in Indonesia

“…One type of mobile payment is an e-wallet. According replied ( 2008), e-wallet can replace the use of cash, with the proviso that, the e-wallet should facilitate transactions without carrying cash is thick and heavy and e-wallet should reduce the user performs the calculation of transactions in order to speed up payments and e-wallet must improve security and reduce the risk of loss from theft and ensure the anonymity of the payment [13][14][15].…”