Adoption of electronic commerce by individuals in Bangladesh

With increased use of Internet and information technology platforms, e-commerce has experienced tremendous growth worldwide in the recent years. Although growing steadily in various digital services, Bangladesh has not been able to gain full advantages and benefits of e-commerce due to its poor adoption rate. This study aims at exploring the factors affecting e-commerce adoption in Bangladesh by applying an extended version of Unified Theory of Acceptance and Use of Technology (UTAUT) model which includes perceived risk, perceived cost and personal awareness with perceived usefulness, perceived ease of use, social influence, and facilitating conditions. This study applies a mixed methods research approach by combining qualitative field study and quantitative survey. A PLS based structural equation modeling is employed to a dataset of 253 individuals which are collected by applying a convenient sampling technique. The study results reveals that perceived usefulness, perceived cost, personal awareness and facilitating conditions affect consumer behavioral intention while facilitating conditions as well as behavioral intention have positive influence on actual use of e-commerce. This study also provides several implications that might be useful for the academic proponents, decision makers, and various stakeholders.

Adoption of digital banking channels in an emerging economy: exploring the role of in-branch efforts

The aim of this qualitative study is to analyse the role of in-branch efforts of banks on migrating customers from branch banking to digital banking in India. In-depth semi-structured interviews were conducted with bank executives representing senior management from public and private sector banks in India. Qualitative content analysis technique was used to analyse the data. Varieties of responses received during interviews were clubbed into four main themes based on data reduction, display, and conclusion-drawing processes. In-branch communication with customers, digital transformation of the branch, customer-centric initiatives, and redefined role of branch staff hold the potential to bridge the customers’ migration to digital banking. The paper suggests that the key identified factor in improving digital banking acceptance in India is the requirement of integrated cultural and organisational changes at the bank’s level to gain the customers’ confidence and trust in digital banking.

Analyzing the factors influencing adoption intention of internet banking: Applying DEMATEL-ANP-SEM approach

The main purpose of this study is to propose a research model to explore the key factors affecting consumers' willingness to use online banking. There are two stages in this research. Firstly, the decision making trial and evaluation laboratory (DEMATEL) and analytic network process (ANP) were used to explore the key factors of companies in operation of online banking. Secondly, the structural equation modeling (SEM) was used to explore the key factors of consumers' actual use of online banking. The results showed differences in the factors that companies and consumers adopted. Based on the findings, companies can adjust their business strategies and improve the consumers' willingness of online banking usage. The primary factor valued by both companies and consumers is trust. Hence, in the business of internet banking, the companies must strengthen areas such as liquidity monitoring, information security, and compliance with financial regulations, in order to reduce risks and gain customers' trust.

Factors Influencing Individual Customers Trust in Internet Banking: Case of Baltic States

The investigation of trust in commercial banks needs to focus specifically on internet banking, as it is the fastest growing banking service. The article explores factors influencing trust in internet banking and estimates this impact in the Baltics states. The factors are as follows: Provided information, e-banking system, the website of a bank, and a bank’s characteristics. Overall, 1013 respondents and 21 experts took part in the current study. The results of the respondents’ survey showed that the factor that is necessary for trust building in all the examined countries differs: In Lithuania, information and the bank, in Latvia, the website, and in Estonia, the bank. According to the experts, the most powerful factor in the trust-building process in Lithuania and Latvia is the e-banking system while in Estonia, the website. The research has the following limitations: The online survey of individual customers (however, internet banking relates to internet users, so this limitation is not essential); the analysis of only the positively affecting criteria of the trust-building process; only experts assessed the subfactors.

E-Government Services Adoption

This research article explores the important elements of trust and transparency to the adoption of e-government services. The Technology Acceptance Model was used as the theoretical framework. The data capture and analyses were conducted with SPSS. The results indicate that trust in the internet was a significant predictor of both the intention to use and perceived ease of use (PEOU), but was not significant in predicting perceived usefulness (PU) and the actual use (AU) of e-government services. Trust in the government (TG) was also not significant in determining both the intention to use and PEOU of e-government services. Rather TG had a significant impact on PU and the actual use (AU) of e-government services. Furthermore, perceived transparency was a significant predictor of PU, IU, and AU of e-government services. The implications of these findings on the implementation of e-government are thoroughly discussed.

Cloud service adoption by firms in Taiwan

Cloud services have become a particular concern for modern industries and enterprises as they have been shown to change human behavior, and thereby necessitate the renewal of business models. This study proposes a conceptual model, and creates an integrated vision from the perspective of Taiwanese firms, investigating their intentions when adopting cloud services. Structural equation modeling (SEM) and fuzzy set qualitative comparative analysis (fsQCA) are both adopted in this study in order to analyze response data (n=214). The SEM analysis results present the service characteristics: the foundation and management characteristics offered by cloud services have significant positive effects on firm trust. Perceived innovation characteristics regarding cloud services have proven to have different effects on firms’ perceived usefulness. The study connects these research findings and contributes to the theoretical development and empirical application of trust theory and cloud service marketing strategies in both academia and practice.