Mobile payment: Understanding the determinants of customer adoption and intention to recommend the technology

Customer pressure and environmental stewardship: The moderator role of perceived benefit by managers

Nowadays, environmental issues and cleaner products are interest to many customers, considering whether to buy or continue using a product. This will affect the perception, attitude of upper managers in the process of strategic choices and operational management behavior. This study is based on the Upper Echelon Theory, research under the influence of customer pressure to attitude toward the environmental, decision choices for cleaner production strategies, implementation of environmental management accounting towards achieving green competitive advantage of Vietnamese manufacturing enterprises. In addition, the role of two moderator variables: (1) perceived benefit of cleaner production strategies and (2) perceived benefit of environmental management accounting in the research model is also considered. This study surveyed 234 CEOs of Vietnamese manufacturing enterprises. This study employed PLS-SEM, version 3 for data analysis. Results have shown that all relationships are statistically significant. Moderator variables have a statistically significant and positive impact in relationships in which they play a moderator role. This study helps CEOs realize the importance of producing products that are customer-oriented, environmentally friendly, and the implementation of environmental management accounting will have a strong impact on achieving a sustainable competitive advantage.

The influence of community park characteristics on satisfaction in Guangzhou: Moderating and mediating effects analysis

Community parks in old urban areas have problems such as outdated facilities and low quality, which inhibit the development of healthy aging. However, limited research has examined the correlation between such park characteristics and park satisfaction among elderly individuals. Additionally, the mechanisms underlying this association remain unclear. In this investigation, a moderated mediation framework grounded in self-determination theory was formulated to probe the interplay between these variables, with a specific focus on the mediating influence of social self-efficacy among the elderly and the moderating effect of use intention. A questionnaire survey (N = 319) was conducted in Shamian Park, Guangzhou, employing structural equation modeling for data analysis. Findings indicate that, even after controlling for demographic factors, park characteristics not only exert a direct influence on satisfaction but also exhibit an indirect impact through the mediation of social self-efficacy, with both pathways being moderated by use intention. This study has implications for how to improve the design of community parks in old urban areas in developing countries to better meet the basic needs of the elderly and promote healthy aging.

Analysis of college students' attitudes toward the use of ChatGPT in their academic activities: effect of intent to use, verification of information and responsible use

BACKGROUND

In recent years, the use of artificial intelligence (AI) in education has increased worldwide. The launch of the ChatGPT-3 posed great challenges for higher education, given its popularity among university students. The present study aimed to analyze the attitudes of university students toward the use of ChatGPTs in their academic activities.

METHOD

This study was oriented toward a quantitative approach and had a nonexperimental design. An online survey was administered to the 499 participants.

RESULTS

The findings of this study revealed a significant association between various factors and attitudes toward the use of the ChatGPT. The higher beta coefficients for responsible use (β=0.806***), the intention to use frequently (β=0.509***), and acceptance (β=0.441***) suggested that these are the strongest predictors of a positive attitude toward ChatGPT. The presence of positive emotions (β=0.418***) also plays a significant role. Conversely, risk (β=-0.104**) and boredom (β=-0.145**) demonstrate a negative yet less decisive influence. These results provide an enhanced understanding of how students perceive and utilize ChatGPTs, supporting a unified theory of user behavior in educational technology contexts.

CONCLUSION

Ease of use, intention to use frequently, acceptance, and intention to verify information influenced the behavioral intention to use ChatGPT responsibly. On the one hand, this study provides suggestions for HEIs to improve their educational curricula to take advantage of the potential benefits of AI and contribute to AI literacy.

Analyzing Preceding factors affecting behavioral intention on communicational artificial intelligence as an educational tool

During the pandemic, artificial intelligence was employed and utilized by students around the globe. Students' conduct changed in a variety of ways when schooling returned to regular instruction. This study aimed to analyze the student's behavioral intention and actual academic use of communicational AI (CAI) as an educational tool. This study identified the variables by utilizing an integrated framework based on the Unified Theory of Acceptance and Use of Technology (UTAUT2) and self-determination theory. Through the use of an online survey and Structural Equation Modeling, data from 533 respondents were analyzed. The results showed that perceived relatedness has the most significant effect on the behavioral intention of students in using CAI as an educational tool, followed by perceived autonomy. It showed that students use CAI based on the objective and the possibility of increasing their productivity, rather than any other purpose in the education setting. Among the UTAUT2 domains, only facilitating conditions, habit, and performance expectancy provided a significant direct effect on behavioral intention and an indirect effect on actual academic use. Further implications were presented. Moreover, the methodology and framework of this study could be extended and applied to educational technology-related studies. Lastly, the outcome of this study may be considered in analyzing the behavioral intention of the students as the teaching-learning environment is still continuously expanding and developing.

Social and facilitating influences in fintech user intention and the fintech gender gap

Given the advances in technology, Fintech is an invaluable tool which allows unbanked people to access financial services when social, cultural, economic and technological factors affect their user intentions (UI). Despite the great importance of the role of social and facilitating influences in the adoption of Fintech services, little research has been conducted on how and what influences affect Fintech user intention (FUI) and whether there is a gender gap in FUI. Therefore, this study aims to help formulate effective Fintech policies and close the gender gap by investigating the role of social and facilitating influences and sociodemographic variables in FUI. The study sample comprised 237 participants, and the data were collected through interviews with the use of a structured questionnaire in Chattogram, Bangladesh. The collected data were analysed employing exploratory factor analysis and an ordered logistic regression model. The study also examined the Fintech gender gap by applying the Blinder Oaxaca decomposition model. The results reveal that image, compatibility and the experiences of Fintech use are the positive and significant predictors of FUI, with the perceived social norm for adopting Fintech being non-informative for users. There is a significant interaction between user compatibility and experience of use in relation to Fintech. Interestingly, perceived behavioural control negatively influenced females to adopt Fintech. Furthermore, the study found a gender gap in FUI. The findings have managerial implications.

A machine learning ensemble approach to predicting factors affecting the intention and usage behavior towards online groceries applications in the Philippines

The emergence of e-commerce platforms, especially online grocery shopping, is heightened by the COVID-19 pandemic. Filipino consumers started to adapt online due to the strict quarantine implementations in the country. This study intended to predict and evaluate factors influencing the intention and usage behavior towards online groceries incorporating the integrated Protection Motivation Theory and an extended Unified Theory of Acceptance and Use of Technology applying machine learning ensemble. A total of 373 Filipino consumers of online groceries responded to the survey and evaluated factors under the integrated framework. Artificial Neural Network that is 96.63 % accurate with aligned with the result of the Random Forest Classifier (96 % accuracy with 0.00 standard deviation) having Perceived Benefits as the most significant factor followed by Perceived Vulnerability, Behavioral Intention, Performance Expectancy, and Perceived. These factors will lead to very high usage of online grocery applications. It was established that machine learning algorithms can be used in predicting consumer behavior. These findings may be applied and extended to serve as a framework for government agencies and grocers to market convenient and safe grocery shopping globally.

Predicting the intention and adoption of wearable payment devices using hybrid SEM-neural network analysis

This study aims to examine the mediating effect of the intention to use wearable payment devices (WPD) between perceived ease of use (PE), perceived usefulness (PU), social influence (SI), perceived trust (TR), and lifestyle compatibility (CM) on the adoption of WPD. Examination was made on the moderating effect of age and gender to improve the understanding of the adoption of WPD as a new payment system. Empirical data was collected through an online survey from 1094 respondents in Malaysia. Furthermore, this study employed dual-stage data analysis through partial least squares structural equation modelling (PLS-SEM) to test the causal and moderating effects, including artificial neural network (ANN) to examine the predictive power of the selected model. As a result, it was found that PE, PU, TR, and CM had a significant positive influence on the intention to use WPD. Furthermore, facilitating conditions and the intention to use WPD exhibited strong positive impacts on the adoption of WPD among Malaysian youth. The intention to use WPD positively and significantly mediated all predictors of adoption of WPD. Following that, ANN analysis confirmed high prediction accuracy of the data fitness. Overall, the findings for ANN highlighted the importance of PE, CM, and TR on the intention to adopt WPD and the impact of facilitating conditions on the adoption of WPD among Malaysian youth. Theoretically, the study extended UTAUT with two additional determinants (e.g., perceived trust and lifestyle compatibility), which were found to have significant influences on the intention to use WPD. The study results would be able to help payment service providers and the smart wearable device industry offer an innovative spectrum of products and present effective marketing tactics to encourage the prospective consumers of Wearable Payment Devices in Malaysia.

Understanding people's intention to use facial recognition services: the roles of network externality and privacy cynicism

Purpose

Based on the cognition–affect–conation pattern, this study explores the factors that affect the intention to use facial recognition services (FRS). The study adopts the driving factor perspective to examine how network externalities influence FRS use intention through the mediating role of satisfaction and the barrier factor perspective to analyze how perceived privacy risk affects FRS use intention through the mediating role of privacy cynicism.

Design/methodology/approach

The data collected from 478 Chinese FRS users are analyzed via partial least squares-based structural equation modeling (PLS-SEM).

Findings

The study produces the following results. (1) FRS use intention is motivated directly by the positive affective factor of satisfaction and the negative affective factor of privacy cynicism. (2) Satisfaction is affected by cognitive factors related to network externalities. Perceived complementarity and perceived compatibility, two indirect network externalities, positively affect satisfaction, whereas perceived critical mass, a direct network externality, does not significantly affect satisfaction. In addition, perceived privacy risk generates privacy cynicism. (3) Resistance to change positively moderates the relationship between privacy cynicism and intention to use FRS.

Originality/value

This study extends knowledge on people's use of FRS by exploring affect- and cognitive-based factors and finding that the affect-based factors (satisfaction and privacy cynicism) play fully mediating roles in the relationship between the cognitive-based factors and use intention. This study also expands the cognitive boundaries of FRS use by exploring the functional condition between affect-based factors and use intention, that is, the moderating role of resistance to use.

The effect of digital literacy on technology acceptance: An evaluation on administrative staff in higher education

Digital literacy is a critical skill that administrative staff must acquire to continue their business activities at higher education. However, digital literacy studies for administrative staff seem to be neglected in the current literature. This article examines the impact of higher education administrative staff’s digital literacy on their intention to use digital technologies while performing their tasks. For this purpose, a conceptual model consisting of effort expectancy and performance expectancy structures based on the unified theory of acceptance and use of technology and expanded with the digital literacy dimension has been created. Data were collected from 158 participants who were administrative staff of two higher education institutions in Türkiye to evaluate the theoretical model. The data were analysed using the structural equation modelling technique. The findings revealed the relationship between the digital literacy skills of higher education administrative staff and their intention to use digital technology. According to the results, digital literacy has a direct effect on effort expectancy but not on performance expectancy. Also, contrary to our expectations, digital literacy does not directly affect the intention to use. However, digital literacy affects the intention to use digital technology through effort expectancy and performance expectancy. In higher education, personnel with low digital literacy skills should be identified and in-service training should be provided. This is one of the first studies to address the impact of digital literacy on technology acceptance by administrative staff working in higher education.

Understanding the Determinants of Customer Intention to Use Mobile Payment

Previous studies on the intention to use mobile payment were mainly conducted using traditional technology acceptance models, which focus on positive factors and ignore negative factors influencing the intention to use mobile payment in both developed and developing countries. This study is conducted in a newly emerging country, Vietnam – a trusted destination for multinational companies to do business and reposition their global supply chains. With the integration of positive and negative factors into an extended research model to examine their influence on the intention to use mobile payment, the results show that perceived privacy and perceived security contribute to overall perceived risk. Moreover, perceived risk and perceived compatibility are two determinants of intention to use mobile payment. Theoretical and managerial implications are drawn and directions for future research are outlined.

A novel multi-attribute decision-making for ranking mobile payment services using online consumer reviews

The onset of the COVID-19 pandemic has changed consumer usage behavior towards mobile payment (m-payment) services. Consumer usage behavior towards m-payment services continues to increase due to access to usage experiences shared through online consumer reviews (OCRs). The proliferation of massive OCRs, coupled with quick and effective decisions concerning the evaluation and selection of m-payment services, is a practical issue for research. This paper develops a novel decision evaluation model that integrates OCRs and multi-attribute decision-making (MADM) with probabilistic linguistic information to identify m-payment usage attributes and utilize these attributes to evaluate and rank m-payment services. First and foremost, the attributes of m-payment usage discussed by consumers in OCRs are extracted using the Latent Dirichlet Allocation (LDA) topic modeling approach. These key attributes are used as the evaluation scales in the MADM. Based on an unsupervised sentiment algorithm, the sentiment scores of the text reviews regarding the attributes are calculated. We convert the sentiment scores into probabilistic linguistic elements based on the probabilistic linguistic term set (PLTS) theory and statistical analysis. Furthermore, we construct a novel technique known as probabilistic linguistic indifference threshold-based attribute ratio analysis (PL-ITARA) to discover the weight importance of the usage attributes. Subsequently, the positive and negative ideal-based PL-ELECTRE I methodology is proposed to evaluate and rank m-payment services. Finally, a case study on selecting appropriate m-payment services in Ghana is examined to authenticate the validity and applicability of our proposed decision evaluation methodology.

The impact of e-government information quality (EGIQ) dimensions on the adoption of electronic government services

E-government's capacity to reform public service delivery is hinged on critical factors from the demand side of e-government. The demand side of e-government is the element that drives users’ behaviors to adopt e-government services and understanding these factors is fundamental to driving the realization of e-government targets. This study thus examined the extent to which e-government information quality dimensions can stimulate the acceptance and utilization of e-government services. The Unified Theory of Acceptance and Use of Technology (UTAUT) was used as the theoretical basis for this paper and the data congregated was evaluated with Analysis of Moment Structures (AMOS) statistical software using the structural equation modeling (SEM) approach. The results have revealed that both effort expectancy and facilitating conditions significantly drive the intention to use and recommend the adoption of e-government services. Also, e-government information quality dimensions such as availability, objectivity, utility, confidentiality, and integrity were all found to positively drive the intention to use e-government services. Additionally, people's intention to use e-government was significant in driving the recommendation behavior of e-government services to others. The practical and research repercussions of these discoveries on the development and deployment of e-government-empowered services are deliberated.

The role of trust and habit in the adoption of mHealth by older adults in Hong Kong: a healthcare technology service acceptance (HTSA) model

BACKGROUND

Evidence from the literature suggests that mobile health (mHealth) services can potentially improve healthcare outcomes among older adults. Hence, the government of Hong Kong has recently taken several community and information technology (IT) services initiatives to train older adults on how to enhance their abilities and interest in using mHealth technology. Although mHealth services have been widely implemented globally, their adoption and use by older adults are very low, including those in Hong Kong. This study aims to understand key factors influencing mHealth use intention among the older Chinese population in Hong Kong.

METHODS

We extended the Unified Theory of Acceptance and Use of Technology (UTAUT2) as the basis of our conceptual framework. We applied Partial Least Squares path modeling method to conduct the Structural Equation Model (SEM) technique that allows measuring the theoretical validity of any conceptual framework. Convenience and snowball sampling methods were used to recruit participants aged 65 or above. In total, 201 valid responses were used for testing the theoretical validity of the proposed conceptual framework.

RESULTS

The primary finding shows that the widely used UTAUT2 model falls short in explaining mHealth service acceptance behavior in the Chinese older population in Hong Kong. We further propose a simplified model, the Healthcare Technology Service Acceptance (HTSA) model, to understand the formation of mHealth service acceptance behavior. The findings show that trust is an important component of technology service acceptance intention behavior that was missing in the UTAUT2 model. The results also show that several antecedent factors (i.e., social influence, government policy, and service quality) are critical in forming technology trust beliefs.

CONCLUSIONS

The study shows that the HTSA model can better explain mHealth acceptance behavior than the UTAUT2 model. This study advances knowledge in the mHealth technology adoption domain by proposing a simplified new version of the UTAUT2 model for understanding healthcare technology service acceptance and use intention among older adults. The findings of the study provide valuable information to the Hong Kong government and healthcare organizations for wider adoption of mHealth services, especially in older adults.

The impact of corporate social responsibility on firm reputation and organizational citizenship behavior: The mediation of organic organizational cultures

This study investigates the impact of corporate social responsibility (CSR) on firm reputation and organizational citizenship behavior, along with the mediating inclusion of organic organizational cultures (Clan and Adhocracy) in the medium and large enterprises of Pakistan. To do the path analysis and to investigate the mediating role of organic organization culture, Smart PLS was used. For data collection, the convenience sampling technique was used and responses from 360 questionnaires were the main data source. The results displayed that CSR has a significant and optimistic effect on a firm reputation and employees' organizational citizenship behavior (OCB). Secondly, the outcomes showed a positive and full mediation effect of organic organizational cultures between CSR and firm reputation but a partial mediation effect of organic organizational cultures between CSR and employees OCB. Further, the results demonstrated a positive and significant influence of employees' OCB on a firm reputation. The extensive analysis of all factors of the study was autonomously examined to identify the insights that verify how the inclusion of organic organizational cultures can boost the firm reputation and employees' OCB. Theoretical implications and future research direction are discussed.

Explaining the Consumption Technology Acceptance in the Elderly Post-Pandemic: Effort Expectancy Does Not Matter

Consumer technology has been enormously boosted by the COVID-19 pandemic, with one of the primary consumers being the elderly. In this scenario, it is necessary to consider the impact of technologies on different older generational cohorts to understand the future of a data-driven digital society fully. This research aims to explain the acceptance of social networking sites, a particular consumer technology, in the post-pandemic elderly population. Data were obtained from 1555 older adults in Chile based on a consumer technology acceptance model. The respondents were grouped according to their technological predisposition and their generation into three groups. Applying a multigroup analysis based on structural equation modelling reveals significant differences in the explanatory variables of the intention and use of this technology between the groups. And more remarkably, the effort expectancy is not statistically significant as a variable to explain this acceptance globally in either of the three groups. There are two principal contributions of this study. First, it shows why adults adopt consumer technology after the pandemic. Second, it validates a classification of elderly adults who use consumption technologies that are useful in understanding the heterogeneity of this phenomenon.

The Effect of the COVID-19 Pandemic on the Mobile Messaging Application Among Millennials in Public Universities in Malaysia

Mobile messaging apps are currently a popular method in Malaysia for communicating while on the go, owing to its convenience, reliability, and contact-free feature of mobile application. Fueled by mobile internet and smartphone growth, mobile messaging apps have become a strong force in the mobile app sector, offering users an alternative to SMS-based texting paired with social media elements and enhanced features, such as group chats and photo sharing. The study was anchored using the unified theory of acceptance and use of technology 2 theory. A survey with 150 respondents and PLS analysis is used to determine the antecedents of mobile application continuance usage during the COVID-19 pandemic. The results revealed that there is an influence in the usage of mobile messaging apps among the younger generation in Malaysian public university students during the COVID-19 pandemic. The main implication shows that mobile application among young generations in public universities has become popular. The convenience usage of the internet has turned the world into a global village.

Using the UTAUT model to analyze user intention to accept electronic payment systems in Serbia

This study applies The Unified Theory of Acceptance and Use of Technology (UTAUT) to explain the acceptance of electronic payment systems in Serbia. We used extended model that incorporates several external variables, such as perceived security, trust, privacy, convertibility and financial costs, along with basic UTAUT predictors. The sample comprised of 457 respondents. We applied structural equation modelling to develop the model and draw conclusions. The results showed that performance expectancy, perceived security, trust and social influence had strong positive effects on behavioral intention. Conversely, we found behavioral intention, convertibility and financial costs to be significant drivers of user behavior. We consider the inclusion of convertibility in the model and proving its significance to be the main practical implications of our research, and also suggest to be considered as a factor in models designed for countries with low purchasing power of national currency.

Mobile payment service adoption: understanding customers for an application of emerging financial technology

Purpose

As mobile payment systems have been in constant demand and are increasing in recent years, the various stakeholders involved in the process need to be identified. The study mainly includes ease of use, perceived usefulness, facilitating conditions, social influences, adoption readiness and intention to use financial technology (FinTech) in India. This paper aims to discuss FinTech and its dynamic changes in the banking sector. This study tests the mediation influence of perceived trust on adoption readiness and intention to use FinTech in India. The proposed impact of mediation of perceived trust was significant but small on adoption readiness and intention to use FinTech.

Design/methodology/approach

A questionnaire survey was administered to mobile payment users, and 349 responses were collected. Structural equations are analyzed to determine the proposed variables’ direct effects on adopting them. Additionally, to examine indirect effects, the mediation test is used.

Findings

The analysis results support the proposed model and thus help explain the impact of adoption readiness, trust and intention to use digital payment. The study’s significant findings will enable mobile payment institutions to understand the variables related to the growing use of technology in customers’ contexts. The study reveals the significance of ease of use, perceived usefulness and facilitating the service condition, which means that vendors prefer to use compatible devices that are easy to use with other devices. The analysis also explores the critical influence of perceived usefulness on customer behavior, enabling software designers to encourage accessible processes and device advantages for customers.

Practical implications

Mobile payment systems offered by financial institutions until currently become a variety of mobile payment services due to rapidly evolving information technology. This work is a groundbreaking attempt to apply technology acceptance in recent years to the emerging framework of mobile banking systems. This study examines the adoption of mobile payment technologies by proposing an extended technology acceptance model (TAM) to capture the issues associated with adoption in India through banking users. Now customers are aware that cyberattacks on banking networks and data breaches quickly through media and social networks. Also, they know that the industry has done little to avoid or mitigate these attacks.

Originality/value

This study examines the adoption of mobile payment technologies by proposing an extended TAM to capture the issues associated with adoption in India through banking users.

Longitudinal study of teacher acceptance of mobile virtual labs

Synthesizing the advancements in technology with classroom practices depends considerably on teachers acceptance of such internet and communication technology (ICT) tools. Adequate teacher training and upgrading of their IT skills are not prioritized in developing economies leading to poor adoption of emerging technology assisted pedagogic interventions. This paper investigated the underlying characteristics of teachers acceptance of mobile friendly virtual laboratories (M-VLs) as part of a longitudinal study conducted over 5 years covering both pre-pandemic and pandemic periods. Systematic analysis of quantitative data from 650 chemistry teachers was carried out. Viewing through the theoretical lens of Unified Theory of Acceptance and Use of Technology (UTAUT2) theory, the effects of performance expectancy (PE), effort expectancy (EE), social influence (SI), facilitating conditions (FC), hedonic motivation (HM) and habit (HA) on the behavioral intention (BI) and use behavior (UB) were scrutinized. Structural Equation Modeling (SEM) analysis revealed that PE, SI, and HA are the considerable predictors of the BI to use M-VLs and HA is the predictor of UB. The present study found HM influencing teacher's BI and UB before COVID-19. However during COVID-19 the FC influenced usage. Moreover, we found that the technology training focused on enhancing knowledge, skill and, access leads to teachers' are critical to empowering teachers and causing wider adoption.

Assessing factors influencing consumers' non-adoption intention: exploring the dark sides of mobile payment

Purpose

The new ways to complete financial transactions have been developed by setting up mobile payment (m-payment) platforms and such platforms to access banking in the financial mainstream can transact as never before. But, does m-payment have veiled consequences? To seek an answer, the research was undertaken to explore the dark sides of m-payment for consumers by extending the theory of innovation resistance (IR) and by measuring non-adoption intention (NAI).

Design/methodology/approach

Three hundred individuals using popular online m-payment apps such as Paytm, PhonePe, Amazon Pay and Google Pay were surveyed for the primary data. IBM AMOS based structural equation modelling (SEM) was used to analyse the data.

Findings

Each m-payment transaction leaves a digital record, making some vulnerable consumers concerned about privacy threats. Lack of global standards prevents consumers from participating in the m-payment system properly until common interfaces are established based on up-to-date standards. Self-compassion (SC) characteristics such as anxiety, efficacy, fatigue, wait-and-see tendencies and the excessive choice of technology effect contribute to the non-adoption of m-payment.

Originality/value

This study proposes a threat model and empirically explores the dark sides of m-payment. In addition, it also unveils the moderator's role of SC in building the structural relationship between IR and NAI.

Pleasure of paying when using mobile payment: Evidence from EEG studies

Mobile payment has emerged as a popular payment method in many countries. While much research has focused on the antecedents of mobile payment adoption, limited research has investigated the consequences of mobile payment usage relating to how it would influence consumer behaviors (e.g., purchase intention or willingness to pay). Here, we propose that mobile payment not just reduces the “pain of paying,” a traditional view explaining why cashless payment stimulates spending, but it also evokes the “pleasure of paying,” raising from the enhanced processing fluency in completing transactions. We tested this new conceptualization of “pleasure of paying” using EEG, complementing other behavioral measures. In two studies, we found that mobile payment effectively enhanced purchase likelihood (study 1, N = 66) and such an enhancement is generalizable to both hedonic and utilitarian products (study 2, N = 29). By employing EEG measures, we provided the first neural evidence of “pleasure of paying” in addition to the signal of “pain of paying.” Critically, we demonstrated that the “pleasure of paying” is a distinctive psychological mechanism that is induced by mobile payment usage and that the “pleasure of paying” joins the “pain of paying” to mediate the increased purchase intention. We discuss the contributions and implications of these results to the ongoing evolution of cashless payment societies.

Modelling the intention and adoption of cashless payment methods among the young adults in Malaysia

Purpose

Cashless payment is gradually replacing physical currency in almost every financial transaction across the world. Even though cashless payment methods have been available in Malaysia since a decade ago, their usage has remained relatively low in comparison to other countries. This study aims to analyse the elements that affect the Malaysian youth’s adoption intention and actual use of cashless payment by extending the unified theory of acceptance and use of technology (UTAUT) model with two key factors (perceived security [PS] and lifestyle compatibility [LC]).

Design/methodology/approach

Data were gathered online from 364 Malaysian youths and processed using partial least squares structural equation modelling.

Findings

The findings revealed that performance expectancy (PE), LC and PS had a positive and substantial effect on the intention to use cashless payment (ICP). In contrast, effort expectancy (EE) and social influence did not have any considerable influence on ICP. Furthermore, ICP had substantial mediating effects between the adoption of cashless payment (ACP) and PE, LC and PS. In the analysis of the moderating effect of age, gender, experience and voluntariness, only experience had moderating effects on the associations between PE and ICP and between FC and ACP.

Research limitations/implications

This study’s findings will be highly useful for marketers and the management as they plan their promotional and marketing tactics, with a focus on the factors that inspire customers to adopt cashless payments. Besides, architects and designers can benefit from the study results while designing and updating their services by consolidating consumers’ lifestyle standards as well as enhancing security features. Finally, governments may support service providers with security building through legislative measures and policy campaigns to strengthen the trustworthiness and mass adoption of contactless payment.

Originality/value

This study extended the UTAUT model with two new variables, i.e. PS and LC.

Talent acquisition and technology: A step towards sustainable development

Purpose

The purpose of the research is to highlight the use of social media and information technology in employee recruitment by providing a conceptual recruitment model in the aspects of theoretical foundations and empirical evidence on the factors and outcomes leading to the use of social media recruiting technology (SMART).

Design/methodology/approach

A total of 4,481 organizations are listed as the population of the study, and a total of 589 responses are used in the study for data analysis. Selection of the sample is done based on the simple random sampling technique. Appropriateness of sample size is confirmed with the help of G*Power (3.1.9.2) software, which calculated a sample size of 326 with 99% power, a multiple correlation (R) of 0.30, and at a significance level of 0.05.

Findings

The paper provides empirical insights into the elements of the extended unified theory of acceptance and use of technology; i.e., performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, habit, and price value have positive relations with the intention to adopt social media recruiting technology, and the intention impacts use of social media recruiting technology. Furthermore, the use of social media recruiting technology impacts outcome variables, i.e., social media recruiting time, cost, and recruitment quality, which establish the extension of the recruitment model with all factors and outcomes.

Originality

This study provides a model of employee recruitment to win the battle of acquiring human capital using social media recruiting technology as a step toward sustainable development, which has been conceptually defined and empirically tested. The comprehensiveness of the model has never been discussed in earlier studies.

Practical implications

Through this research, organizations will get an opportunity to experience enhancement in the scope of recruitment as a whole instead of considering recruitment as a traditional procedure, and the use of information technology can be expanded for progressive measures for future purposes and pandemic situations.

Mobile wallet adoption intention amid COVID-19 pandemic outbreak: A novel conceptual framework

This research aims to explore adoption intention towards mobile wallet (m-wallet) amid COVID-19 outbreak using mediated-moderation framework. This study, in its uniqueness, utilises the stimulus-organism-response (S-O-R) theory as its theoretical base. The study investigated the effect of relative advantage, ease of effort, favourable infrastructure conditions, security considerations, and touch-free transactions on m-wallet adoption. The model includes perceived values as a mediator and perceived critical mass (PCM), promotional benefits (PBs) and users' demographics as moderators for deeper understanding of the phenomenon. A total of 327 responses were collected using purposive sampling method. The results revealed that relative advantage, favourable infrastructure conditions, security considerations and touch-free transactions exert a positive significant effect on m-wallet adoption intention. Further, except for ease of effort, perceived values mediate the association among antecedents and adoption intention and PCM, PBs and age found to be crucial moderators between perceived values and intention. This study enriches the existing literature on the adoption of m-wallet. Practically, this study helps marketers frame strategies to enhance the adoption and usage of m-wallet.

The behavioral intention to adopt mobile health services: The moderating impact of mobile self-efficacy

This study explored the moderating impact of mobile self-efficacy on the adoption of mobile health services. The UTAUT was used as the theoretical foundation for this study. The results have indicated that mobile self-efficacy was significant in moderating the impact of both performance expectancy (β = -0.005, p < 0.05) and effort expectancy (β = -010, p < 0.05) on the adoption of mobile health services. In addition, it was revealed to our surprise that both performance (β = 0.521, t = 9.311, p > 0.05) and effort expectancy (β = 0.406, t = 7.577, p > 0.05) do not determine the behavioral intention to use mobile health services. Effort expectancy and behavioral intention to use were also, respectively, not significant in influencing performance expectancy (β = 0.702, t = 12.601, p > 0.05) and intention to recommend the adoption of mobile health services (β = 0.866, t = 13.814, p > 0.05). Mobile self-efficacy, however, was found to significantly predict the citizen's intention to recommend the adoption of mobile health services (β = 0.139, t = 2.548, p < 0.05). The implications of these findings on mobile health are discussed.

Exploring Use Acceptance of Electric Bicycle-Sharing Systems: An Empirical Study Based on PLS-SEM Analysis

The electric bicycle-sharing system (EBSS) is the fourth-generation urban shared bicycle travel system, which effectively improves the travel efficiency of urban residents and solve the problem of urban congestion. This study attempts to use an extended technology acceptance model (TAM) method to study the acceptance of EBSSs. We had introduced four potential variables, including perceived pleasure (PP), perceived environmental value (PEV), perceived cost (PC), and perceived reliability (PR), into the classic TAM to form a new EBSS-TAM. Data were obtained by using a Likert scale questionnaire from 399 citizens in China. Partial least-squares structural equation modeling (PLS-SEM) with reflective constructs was employed as the analysis method. The results showed that: (1) the EBSS-TAM can explain user behaviors regarding the use of EBSSs. PP has a positive impact on behavior attitude (BA) while having no impact on behavior intention (BI). PEV has no impact on BA and BI. PC has a negative impact on BA and has no impact on BI. PR has a positive impact on BA while having no impact on BI. Perceived ease of use (PEU) has a positive impact on PP and PEV. (2) Younger users (under 35 years old) are more likely to change from liking CBSSs to using EBSSs than older users are. Male users are more satisfied with EBSSs because of their ease of use. The users who never used CBSSs are more likely to perceive the environmental protection value of EBSSs. Some managerial implications were proposed for the EBSSs.

Factors influencing the adoption of internet banking: An integration of ISSM and UTAUT with price value and perceived risk

The investigation of users' satisfactions and intentions in using the services provided by commercial banks needs to be focused on internet banking, since this is the widely used banking service. This paper analyzed the satisfactions and behavioral intentions of Malaysian customers in using Internet Banking, applying the Information System Success Model (ISSM) by the integration of adoption and application technology (UTAUT) theory. Some criteria, which were taken into consideration, are as follows: perceived Risk (PR), facilitating Conditions (FC), Price (PV), Performance expectancy (PE), Information Quality (IQ), Service Quality (SEQ), and System Quality (SQ). These aspects are important to measure customers' satisfaction and behavior toward Internet and Online Banking. A sample of 362 valid responses, consisting of Malaysian customers who used E-Banking, was used for the purpose of data collection. The relationship between customers' satisfaction and factors influencing their contentment in using Online Banking was investigated. In order to evaluate this, a model called “Structural Equation Model (SEM)” was developed and used. Findings showed that most of the Online Banking users were satisfied with the system. Hence, it proves that Online Banking System was generally accepted in the Malaysian community. However, this current research is solely focused on the Malaysian community. Therefore, it may provide the necessary grounds for the study of internet banking accreditation, some useful information for the practitioners, policy makers, and the researchers to improve the system of online banking in Malaysia only. For a future study, a more well-structured research, which can accommodate the global need, would be required.

Predicting the intention to adopt wearable payment devices in China: The use of hybrid SEM-Neural network approach

Wearable payment devices (WPD) are gaining acceptance fast and transforming everyday life and commercial operations in China. Limited research works were conducted on customers’ adoption intentions to obtain a real image of the evolution of WPD in China. This study aims to investigate the effects of Performance Expectancy (PE), Effort Expectancy (EE), Social Influence (SI), Facilitating Conditions (FC), Hedonic Motivation (HM), Perceived Trust (PT), and Lifestyle Compatibility (LC) on the intention to adopt WPD among Chinese consumers by expanding unified theory of acceptance and use of technology with two impelling determinants (i.e. PT and LC). Using an online survey, empirical data were collected from 298 respondents in China. In a two-stage data analysis, partial least squares structural equation modelling (PLS-SEM) were employed to analyse the causal effects and associations between independent and dependent variables, whereas artificial neural networks (ANN) were used to evaluate the research model prediction capability. The (PLS-SEM) findings indicated that PE, SI, FC, HM, LC, and PT had substantial positive impacts on adoption intention, whilst EE had no impact on adoption intention among Chinese consumers. The ANN analysis proved the high prediction accuracy of data fitness, with ANN findings highlighting the importance of PT, FC, and PE on the intention to adopt WPD. It was suggested that the study findings assist WPD service providers and the smart wearable device industry practitioners in developing innovative products and implementing efficient marketing strategies to attract the existing and potential WPD users in China.

Understanding the key drivers in using mobile payment among Generation Z

Purpose

This quantitative study aims to examine the determinants that impact the behavioral intention to use mobile payment (m-payment) among Generation Z (Gen Z) customers in Indonesia.

Design/methodology/approach

The theoretical model comprises seven latent variables: effort expectancy, performance expectancy, social influence, facilitating conditions, promotional activities, perceived security and behavioral intention. In addition, the two moderating factors of education and gender are used to investigate the significant effect of the determinants on intention to adopt m-payment. This study obtained the final data size of 430 respondents. The data analysis is conducted using structural equation modeling.

Findings

The results substantiate the significance of promotional activities, perceived security, performance expectancy, effort expectancy and social influence, on the behavioral intention to accept m-payment systems. Gender is revealed to significantly moderate two constructs: social influence and promotional activities, on the m-payment usage intention. Meanwhile, education moderates the effect of perceived security on behavioral intention.

Originality/value

This research is expected to fill the gap because only a few studies discuss the determinants affecting m-payment usage in Indonesia, especially among Gen Z-ers. Furthermore, the new findings associated with the role of two moderating factors become important practical implications because most of the prior studies often ignore the moderating factors.

Promoting habitual mobile payment usage via the Thai government's 50:50 co-payment scheme

The Thai government launched an economic stimulus initiative using mobile payments (m-payments) to alleviate the economic and public health effects of the COVID-19 outbreak. The advantages of this program and the simplicity, dependability, and contact-free nature of m-payments have led to its widespread adoption in Thailand. Many Thai individuals have never used the m-payment method before. Hence, the aim of this study was to investigate at potential factors that encourage frequent m-payment usage with an emphasis on user attitudes and continual usage intentions. The technology acceptance model and the mental accounting theory were used in this study to analyse 506 respondents who had completed a questionnaire survey. According to the structural equation modeling analysis of the survey data, Thai peoples' desire to take part in the government's co-payment program is most influenced by enjoyment, financial benefits, ease of use, health benefits, and situational factors. Surveyed participants particularly liked utilizing m-payment to benefit from the 50% rebate on full-priced goods and services. It was found that a positive attitude toward m-payment use alone is insufficient to promote long-term adoption of contactless payment technology. However, prolonged reliance on the m-payment system was shown to increase the likelihood of habitual usage.

A study of Indian Gen X and Millennials consumers’ intention to use FinTech payment services during COVID-19 pandemic

Purpose

Amid the COVID-19 contamination, people are bound to use contactless FinTech payment services. Because of restrictions on physical movement and avoidance of touching physical money, people willingly choose mobile payment, resulting in enormous growth in FinTech payment service industries. Because of this, this study aims to examine the effect of factors affecting Gen X and Millennials users to use FinTech payment services.

Design/methodology/approach

The authors used 328 responses collected through convenience sampling of Indian users aged between 26 and 57 years in the Delhi-NCR region who are users of FinTech payment services.

Findings

The authors’ findings verified that in India, perceived COVID-19 risk, perceived severity for COVID, individual mobility, subjective norms, perceived ease of use and perceived usefulness have statistically significant impacts on FinTech payment services during the COVID-19 pandemic. Structural equation modelling was used to study the proposed research model. Overall, the model predicted 76.9 % of the variation in intention to use FinTech payment services by the abovesaid variables by Indian users during a pandemic.

Practical implications

This study will provide valuable insight to all FinTech service providers and stakeholders in planning and designing the concerned policy. It will be able to draw the attention of users more.

Originality/value

This research added a valuable theory to the existing technology adoption model (TAM) theory. It demonstrated the utility of the above variables in adopting and using FinTech payment services, which will help service providers to develop future strategies because of the COVID-19 pandemic.

Consumers’ Switching from Cash to Mobile Payment under the Fear of COVID-19 in Taiwan

The COVID-19 pandemic impacts our lives significantly; people have changed their daily lives in response to the unprecedented epidemic which not only awakened the arrival of a new normal in business, but also new lifestyles. For example, the adaptation of contactless mobile payment has grown in the past two years to avoid unnecessary contact and possible infections. In this study, we intend to examine behavioral intentions that made consumers shift from traditional cash payment to mobile payment during the COVID-19 period. Our research framework and hypotheses were developed and examined through the push (dissatisfaction)–pull (alternative attractiveness)–mooring (perceived fear) model. We used structural equation modeling (SEM) to validate our model and corresponding hypotheses. The results of this study showed that dissatisfaction with tradition-al payments and customer’s perceived fears positively and significantly affected switching intentions. However, alternative attractiveness had no significant impact on consumers’ switching intentions from cash to mobile payments during the pandemic. Moreover, this study shows how perceived fear has a mediating effect that motivates people to change their payment behaviors. Implications and future research directions about consumers changing in such a dynamic time are also discussed.

Predictors for E-Government Adoption of SANAD App Services Integrating UTAUT, TPB, TAM, Trust, and Perceived Risk

Using mobile applications in e-government for the purpose of health protection is a new idea during COVID-19 epidemic. Hence, the goal of this study is to examine the various factors that influence the use of SANAD App As a health protection tool. The factors were adopted from well-established models like UTAUT, TAM, and extended PBT. Using survey data from 442 SANAD App from Jordan, the model was empirically validated using AMOS 20 confirmatory factor analysis, structural equation modeling (SEM) and machine learning (ML) methods were performed to assess the study hypotheses. The ML methods used are ANN, SMO, the bagging reduced error pruning tree (RepTree), and random forest. The results suggested several key findings: the respondents’ performance expectancy, effort expectancy, social influence, facilitating conditions, perceived risk, trust, and perceived service quality of this digital technology were significant antecedents for their attitude to using it. The strength of these relationships is affected by the moderating variables, including age, gender, educational level, and internet experience on behavioral intention. Yet, perceived risk did not have a significant effect on attitude towards SANAD App The study adds to literature by empirically testing and theorizing the effects of SANAD App on public health protection.

Understanding the Drivers of Ghanaian Citizens' Adoption Intentions of Mobile Health Services

Mobile health (m-health) application development and diffusion in developing countries have always been a challenge; therefore, research that seeks to provide an elucidation of the drivers of m-Health adoption is vital. Mobile health information systems and applications can contribute to the delivery of a good healthcare system. This study examined the factors influencing citizens' adoption of mobile health services. The Technology Acceptance Model (TAM) was used as the research underpinning for this study, while the data gathered were analyzed with SmartPLS through the use of the structural equation modeling technique. The results showed that perceived usefulness and ease of use were both significant predictors of the behavioral intention to use and recommend the adoption of mobile health services. Also, perceived risk was negative but significant in predicting the intention to use and recommend adoption. Mobile self-efficacy was found to significantly determine the behavioral intention to use, intention to recommend, perceived usefulness, and perceived ease of use of mobile health services. Besides, word-of-mouth showed a positive impact on both the intention to use and recommend. Contrary to expectations, the intention to use had no significant impact on the recommendation intention. The theoretical and practical implications of these findings are thoroughly examined.

Factors influencing students' adoption intention of brain–computer interfaces in a game-learning context

Purpose

A research framework that explains adoption intention in students with regard to brain–computer interface (BCI) games in the learning context was proposed and empirically examined.

Design/methodology/approach

In this study, an approach integrating the decomposed theory of planned behavior, perceived playfulness, risk and the task–technology fit (TTF) concept was used to assess data collected using a post-experiment questionnaire from a student sample in Taiwan. The research model was tested using the partial least-squares structural equation modeling (PLS-SEM) technique.

Findings

Attitude, subjective norms and TTF were shown to impact intention to play the BCI game significantly, while perceived behavioral control did not show a significant impact. The influence of superiors and peers was found to positively predict subjective norms. With the exception of perceived ease of use, all of the proposed antecedents were found to impact attitude toward BCI games. Technology facilitating conditions and BCI technology characteristics were shown to positively determine perceived behavior control and TTF, respectively. However, the other proposed factors did not significantly influence the latter two dependents.

Originality/value

This research contributes to the nascent literature on BCI games in the context of learning by highlighting the influence of belief-related psychological factors on user acceptance of BCI games. Moreover, this study highlights the important, respective influences of perceived playfulness, risk and TTF on users' perceptions of a game, body monitoring and technology implementation, each of which is known to influence willingness to play.

Investigating antecedents of mobile payment systems’ decision-making: a mediated model

Purpose

The increase in mobile telephone penetration has offered new opportunities for technology to improve payment operations all over the world. Little research has examined the issues related to the decision-making (DM) of mobile payment systems usage in the Jordanian context. The purpose of this study is to examine the factors that may have an influence on the adoption of mobile payment systems. This study has empirically tested the expanded unified theory of acceptance and use of technology (UTAUT2) together with awareness (AW), trust (TR), security (SE) and privacy (PR) as independent variables to explain the mobile payment system adoption in Jordan.

Design/methodology/approach

In total, 270 employees participated in a field survey questionnaire from the public sector in Amman city, the capital city of Jordan. Data were analyzed through a quantitative approach of partial least squares–structural equation modeling.

Findings

The results mainly showed that the determinants of DM to use mobile payment system are price value, social influence, performance expectancy, AW and TR. All of these determinants explained 60.2% of the variation of DM. In total, 72.2% has been explained as the TR to use m-payment system by SE and PR. Furthermore, the results revealed that TR mediates the association between SE as well as PR and the DM to use mobile payment system.

Originality/value

Interestingly, these new variables were found to be important and contribute to the UTAUT2 model. Consequently, the decision-makers in the Central Bank of Jordan should consider all these factors when re-upgrading a Jordan Mobile Payment system in the near future.

To Use or Not to Use? Investigating What Drives Tourists to Use Mobile Ticketing Services in Tourism

The advantages associated with mobile ticketing solutions are undeniable; however, most of these solutions are designed for the local population without taking into account the specific needs of tourists. Therefore, this study fills an important research gap in the literature by assessing the adoption drivers of mobile ticketing services by tourists and pointing out possible directions to the design of such services. The proposed model includes constructs of the technology acceptance model (TAM), diffusion of innovations (DOI) theory, and others widely disseminated in the literature on mobile payments, such as mobility. The model was empirically tested through an online survey, and Structural Equation Modeling (SEM) was applied to analyze the data. The results show that the intention of tourists to use mobile ticketing services is positively affected by the perceived usefulness and mobility. The survey findings also describe additional services that respondents value in a mobile ticket service for tourists, both in normal and in pandemic contexts, useful to shape future mobile ticketing solutions for tourists.

A framework for measuring the adoption factors in digital mobile payments in the COVID-19 era

Purpose

This study aims to identify the acceptance factors in the UAE for the digital mobile payment market, introduces a new hierarchical framework based on the continuation intention factors and prioritises the importance of the acceptance criteria and sub-criteria.

Design/methodology/approach

The measurement of acceptance factors in payment systems is a complex and unstructured topic involving many criteria and sub-criteria, which requires breaking the problem down into several components organised in a hierarchical multi-level form. The analytic hierarchy process (AHP) methodology manages the complexity of multi-criteria decision-making processes based on a new set of criteria connected to the adoption and continuance intention factors.

Findings

The AHP framework developed a ranking of 18 sustainability sub-factors based on evaluations by experienced payment professionals.

Research limitations/implications

The future directions of the research would be to investigate the impact of dynamic capabilities on the resilience of retail service networks, especially during COVID-19, where supply and demand are highly indeterminate.

Practical implications

Through successive stages of data collection, measurement analysis and refinement, the contribution of this research is a reliable and valid framework that can be used to conceptualise and prioritise sustainability strategies in payment management.

Originality/value

Given the lowest mobile payment products penetration rates of the UAE and the scarcity of literature on this topic, this study aims to contribute to the knowledge by including UTAUT, the IS success model and the impact of COVID-19 as adoption and continuance intention factor in the digital mobile payment case in the UAE.

A Holistic Perspective Model of Plenary Online Consumer Behaviors for Sustainable Guidelines of the Electronic Business Platforms

The holistic perspective model is a concept of three stages that considers the whole of online consumer behavior. It is based on dynamic aspects and overview measurement to demonstrate the preliminary of three stages, including “Pre-purchase”, “Purchase” and “Post-purchase”. There is a shared purpose for all the positive, negative, and hesitation factors that inhibit or encourage online shopping decisions. This model can capture the dynamic and fast-changing elements in online shopping platforms. Most online buying-selling platforms are gaining popularity and growing rapidly. Thus, they should maintain good levels of online customers’ satisfaction. This research presents a balanced investigation model of online consumer purchasing behaviors under uncertainty through the integration of Push-Pull Mooring (PPM) theory and the three stages of online consumer behaviors. In this study, questionnaires were collected from 525 online applications from experienced users of electronic business platforms. The outcome reveals that PPM affects three stages of online consumer behaviors. This means that PPM factors influence online customers during and after online shopping. This research can be used to develop attractive online shopping applications for prospective customers while retaining existing customers, which is the challenge faced by online shopping platforms.

Understanding Consumer Intention Towards Blockchain-Based Mobile Payment Adoption Services in Pakistan

The paper reflects the application of a positivist study and quantitative methods for evaluation of variable relationships. The researcher developed a survey-based methodology and disseminated the questionnaire to consumers of Pakistan through online. Structural equation modeling, confirmatory factor analysis and all supporting statistical tests have been applied on the data in order to evaluate the accuracy;the findings suggest that the usability and factors like the security of online services influence the consumers. Moreover, the performance and effectiveness of these measures influence the decision to use and recommend the services to others as well. The study contributed to the literature by validating and supporting the applicability, usage and development of mobile payment services and produces important implications for the managerial and policymakers of these industries.