How Does the Pandemic Facilitate Mobile Payment? An Investigation on Users' Perspective under the COVID-19 Pandemic

What motivates customers to repurchase online under social distancing?

Global e-commerce is growing rapidly during the COVID pandemic. Previous research on customers' online shopping decisions rarely considered social distancing. To investigate customers' continued intention toward online purchases while socially isolated, we propose a framework based on the UTAUT model. A survey of 330 valid samples was collected through an online survey among internet users during a period of social distancing in Indonesia. Hypotheses were validated using a structural equation modeling approach. The results showed that social contingency is the most influential factor on customers' intention to repurchase online under social restriction conditions, followed by customer perceived value and other significant factors. The findings contribute to providing a new understanding of customers' online repurchase intentions when they are in a contingency situation.

Will Social Distancing in Service Encounters Affect Consumers' Value Perception During the COVID-19 Pandemic? The Role of Servicescape, Self-Efficacy, and Technological Intervention

This study investigates how physical and psychological distance from one's surroundings may influence one's perception of connectedness with the servicescape and, ultimately, perception of value. It also examines the effect of consumers' techno-psychological differences and interaction modes on this distance-closeness relationship. The researchers develop and test a conceptual framework of how personal cognitive traits and technological intervention may alter consumers' perceived connectedness to the servicescape and influence their perceived value in different service settings. Via a quasi-experiment design in three service scenarios, this research shows a synthetical effect of contactless technology in the distancing setting that may work more effectively on high self-efficiency customers to change their perceived closeness to the servicescape and further change their evaluation of the service. The findings reveal the practical implications of social distancing for different types of consumers in service encounters during or after the COVID-19 pandemic.

Factors that impacted mobile-payment adoption in China during the COVID-19 pandemic

The Unified Theory of Acceptance and Use of Technology (UTAUT) is a potential paradigm for explaining technology adoption and can be applied to a wide range of scenarios. During the COVID-19 (C-19) outbreak in China, mobile-payment platforms (Mpayment) were used extensively in everyday life because they allowed people to avoid direct and indirect connections during transactions, adhere to social-distancing guidelines, and support social-economic stabilization. By exploring the technological and psychological variables that influenced user Mpayment-adoption intentions during the C-19 pandemic, this study broadens the literature on technology adoption in emergency circumstances and expands the UTAUT. A total of 593 complete samples were collected online, with SPSS used for data analysis. The empirical findings reveal that performance expectancy, trust, perceived security, and social influence all had a significant influence on Mpayment acceptance during the C-19 outbreak, with social distancing having the greatest impact, followed by fear of C-19. Interestingly, perceived-effort expectancy had a negative influence on payment acceptance. These findings suggest that future studies should apply the expanded model to different countries and areas to investigate the impact of the C-19 pandemic on Mpayment acceptance.

Factors influencing the adoption intention of using mobile financial service during the COVID-19 pandemic: the role of FinTech

Access to financial services is regarded as one of the most pressing issues confronting communities worldwide sequel to the COVID-19 pandemic. In this regard, FinTech applications such as mobile financial service (MFS) play an essential role in building resilience during the pandemic. Hence, the aim of the study is to investigate the role of MFS platforms in economic resilience by empirically evaluating the determinants that influence the intention of Bangladeshi users toward adopting MFS platforms during the COVID-19 pandemic, through an extension of the Unified Theory of Acceptance and Use of Technology (UTAUT). Using the core structures of the UTAUT, the theoretical model was constructed based on the consumption attributes of financial services such as perceived value, as well as additional situational factors from the extended valence framework, including risk and trust. To test the model, data was obtained from 227 potential MFS users in Bangladesh with the aid of a structured questionnaire survey. Subsequently, the Structural Equation Modeling (SEM) approach was used to analyze the data. The findings showed that social influence, perceived trust, and perceived value are strongly related to the intention of users to adopt MFS platforms, whereas, perceived risk, performance expectancy, and effort expectancy were observed to influence users' perceived value of the MFS platforms during the COVID-19 pandemic. Interestingly, the study results indicated that the users' perceived risk did not influence their intention to adopt MFS platforms during the pandemic. Therefore, the suggested adoption of the MFS framework during and after the pandemic could contribute to the existing research on the adoption of information technology (IT) through the expansion of the UTAUT, in which the performance and effort expectancy of users influence their intention to indirectly adopt MFS through perceived value. Finally, the significant policy implications and future research directions are further addressed.

Factors influencing the adoption of cashless transactions during COVID-19: an extension of enhanced UTAUT with pandemic precautionary measures

This paper aims to extend the enhanced “unified theory of acceptance and use of technology (UTAUT)” model with pandemic precautionary measures (PPM) to examine the variables that influence the adoption of “cashless transactions (CLT)” during pandemic periods such as COVID-19. For this purpose, this research polled 363 people from 15 zones of Chennai City, India. Utilizing the responses, the relationship between components was explored using a PLS-SEM approach in two distinct research models to examine the influence of PPM in the enhanced UTAUT. The results indicate that the model with PPM (model 2) exhibited an improvement over the model without PPM (model 1) in the variance explained of behavioural intention from 77.3 to 82%. Further, in model 1, performance expectation is the most potent predictor of individuals’ intentions to use CLT, and in model 2, performance expectations deteriorated slightly in its ability and PPM became the most potent predictor. Furthermore, these findings reveal that the PPM-included enhanced UTAUT has significantly strengthened its ability to explain behavioural intent to adopt CLT. Thus, this research model has the potential to be of great use in investigating the adoption of CLT in any epidemic period.

Understanding e-satisfaction, continuance intention, and e-loyalty toward mobile payment application during COVID-19: an investigation using the electronic technology continuance model

This research examined the determinants of e-satisfaction, continuance intention, and e-loyalty regarding the use of mobile payment applications (MPAs). It developed and validated the electronic technology continuance model (e-TCM) integrating a psychological factor (perceived threats), e-satisfaction, circumstantial factor (perceived anxiety), and the dimensions of quality. Using a questionnaire, data was collected from 455 respondents and analyzed using structural equation modeling. The influences of information quality, service quality, system quality, perceived usefulness, and confirmation on both e-satisfaction and continuance intention are found positive. However, perceived threats and perceived anxiety do not influence e-satisfaction but influence continuance intention. Moreover, e-satisfaction positively impacts continuance intention and e-loyalty; and continuance intention positively impacts e-loyalty. This research evidences the roles of perceived threat, e-satisfaction, perceived anxiety, and the dimensions of quality on customers’ e-satisfaction, continuance intention and e-loyalty, using the integrated framework comprising the health belief model, expectation–confirmation model, and information systems success model. The findings of this research can guide MPA services providers, online businesses, industry analysts, suburban consumers, and respective government authorities when MPA usage is concerned during any unprecedented crisis such as the COVID-19 pandemic.

Factors affecting Arab consumers' attitudes toward online shopping in light of COVID-19: the moderating role of digital marketing

Purpose

In both developed and developing countries, the COVID-19 pandemic has created a new generation of first-time online shoppers. More significantly, academics and practitioners believe that the shift to online shopping will continue in the years to come. Therefore, the purpose of this study was to examine the role of digital marketing tools as a moderator variable between the independent variables (i.e. consumption patterns, lifestyle, level of income, and payment methods) and dependent variable (i.e. the consumer's attitude towards online shopping) during the COVID-19 pandemic time in Arab countries.

Design/methodology/approach

A structured and self-administered online survey has targeted online shopping users in six different Arab countries based on a snowball and convenience sample. In total, 577 useable questionnaires were analyzed.

Findings

The findings show a significant positive relationship between the independent variables (i.e. consumption patterns, lifestyle, level of income, and payment methods) and the dependent variable (i.e. consumer attitude towards online shopping). Furthermore, the results reveal that the positive relationship between the independent and dependent variables is strengthened by the existence of the moderator variable, the digital marketing tools.

Research limitations/implications

This study was based on cross-sectional data collection, rather than a longitudinal study and collected data from six Arab countries. It is suggested that future research should expand the survey in more similar countries to broaden the database for further generalizations and use a longitudinal approach to better assess changes in attitudes over time. In addition, this study focused on the issue from a consumer's viewpoint, so it is recommended that future research could be conducted, but from the viewpoint of marketing managers.

Practical implications

This study represents a further deeper insight into consumer behaviour; it advocates giving more emphasis on organizations' awareness of their customers' consumption pattern, lifestyle, level of income, and payment method. The findings of this study can help managers and marketers to design a promotional mix to improve consumer's behaviour towards online shopping. The results suggest paying more attention to the high relevant effect of the consumption pattern, lifestyle, level of income, and payment method on the consumer attitude towards online shopping.

Originality/value

This paper is one of the few attempts that investigated consumer attitudes toward online shopping in the Arab world. Importantly, it identified the drivers of online shoppers' attitudes in the Arab world. This may be used to develop and implement e-marketing strategies. Furthermore, this paper examines the role of digital marketing as a moderator variable to provide empirical evidence to the body of knowledge of these drivers during the COVID-19 pandemic time in the Arab countries.

Drivers of e-government use during the COVID-19 pandemic: the case of Vietnam

Purpose

The COVID-19 pandemic has disrupted various systems that drove people to adapt to certain technologies, such as electronic government services, for daily survival and to meet social distancing requirements. Therefore, this study aims to determine the antecedents of e-government use based on prospect theory and modified unified theory of acceptance use of technology (UTAUT) during a pandemic.

Design/methodology/approach

Convenience sampling of 368 respondents from Vietnam was conducted, and questionnaires were distributed personally or by email. The data were analyzed following a two-stage structural equation modeling (SEM) using SPSS v23 and AMOS v23. The validity and reliability of the instrument were tested and ensured.

Findings

Results show that perceived severity drives government support and social influence while perceived security drives government support, social influence and trust. Social influence enhances government support and trust, which both drives e-government use. Mediation analysis shows that government support mediates perceived the influence of perceived severity on e-government use.

Practical implications

The integration of prospect theory and UTAUT brings into light what will drive the adoption of e-government in the context of Vietnam. Supporting mechanisms, such as security measures, trust-building, government support and social influence, will drive citizens to adapt to technologies provided by the government but would also rely on the perceived risks and benefits.

Originality/value

This study integrates prospect theory and a modified version of UTAUT to explain the drivers of e-government use. The results reveal that under uncertainties, government support is critical in driving the use of e-government for people to manage the daily lives for survival.

The Critical Success Factors for Sustainability Financial Technology in Vietnam: A Partial Least Squares Approach

This paper helps in determining the critical success factors (CSFs) for sustainability financial technology business. An attempt is made to study the influence of were found CSFs to be key aspects of a business that must go well to ensure the success of an organization. These CSFs include issues that are vital to a company’s operating activities and its future success. The study collected data from 253 respondents through a structured questionnaire. Partial Least Square Structural Equation Modelling has been adopted to analyze the data through SmartPLSv3. For better understanding, we emphasize that companies within the same industry may exhibit different CSFs due to anomalies in their environmental situation or strategic situations, which might pose as a challenge for this study and the future exploration towards a general set of CSFs for sustainability fintech companies. The research concluded the presented seven CSFs with the following customer centricity, low profit margin, agility, scalability, security management, innovation, and compliance easy. The findings of the paper are beneficial for fintech enterprises and marketers to enhance the awareness and advantages of financial technology according to the needs of consumers and add value to the existing literature on the future sustainable financial technology businesses.

An ounce of prevention or a pound of cure? Multi-level modelling on the antecedents of mobile-wallet adoption and the moderating role of e-WoM during COVID-19

During the COVID-19 epidemic, personal safety has received increasing attention, leading to behavioral changes. Mobile-wallet (m-wallet) makes it easier for people to keep social distance, which helps stop the spread of the COVID-19 virus. Evolving Internet technology has brought about changes in consumer lifestyle. The current situation of COVID-19 has created a business environment to shift from traditional ways and adopt e-commerce solutions worldwide. Grounded in technology acceptance model (TAM) theory, this study’s objective is two-fold: First, this study intends to examine perceived susceptibility to COVID-19, perceived severity of COVID-19, insecurity and discomfort as the predictors of perceived usefulness (PU) and perceived ease of use (PEOU). Second, the current research intends to test the moderating effect of electronic words-of-mouth (eWOM) on the relationship between attitude and usage intention. Using survey methods, 226 usable responses were collected through a mall intercept survey in Pakistan. Data were analyzed using partial least square (PLS). The results revealed that PEOU and PU positively influence attitude toward M-wallet. This study has found that attitude positively influences the usage intention in adopting M-wallet. The results also support the moderating role of eWOM. These findings contribute to the marketing literature in several ways, particularly in Pakistan. This is the first study to use eWOM as a moderating variable in the TAM theory. In addition, this study adds to the current body of knowledge by considering eWOM as a multi-dimensional construct novel in m-wallet literature.

Can Mobile Payment Increase Household Income and Mitigate the Lower Income Condition Caused by Health Risks? Evidence from Rural China

China has moved into a new stage of its fight against poverty, where the further raising of rural household income is of great importance. Health risk is one of the biggest obstacles to the poverty reduction progress. Therefore, how to cope with the negative effects of health risks has attracted the attention of scholars, especially in the background of the global outbreak of COVID-19. In this paper, we try to explore whether mobile payment, a new form of payment, can improve the income of rural households and mitigate the lower income condition caused by health risks in China. Using data from the 2017 China Household Finance Survey, we found: (1) mobile payment can substantially increase rural household income; (2) health risks will lower the income of rural residents, but mobile payment can lessen this negative effect. Mechanism analysis indicates that mobile payment is likely to ease liquidity constraints, increase social interaction, and stimulate entrepreneurship for rural households. We advised the government to promote mobile payment adoption in rural areas and enhance its design. Additionally, better medical resources should also be made available to rural households.

Factors affecting young customers' smartphone purchase intention during Covid-19 pandemic

Purchase intention has become a critical issue to the marketers of smartphones as the market has become very competitive, volatile, uncertain and dynamic during Covid-19 than ever before. For sustaining in the competitive market, every marketer is trying to upgrade its product appearance, product quality, service quality, attractive features, and latest version of software as a whole. This study has investigated the effects of product features, brand image, product price, and social influences on young customers' purchase intention of smartphone during this Covid-19 pandemic time. Survey was conducted using structured questionnaire by collecting data from 305 respondents by using convenience sampling technique. Statistical Package for the Social Sciences (SPSS) integrated with AMOS was employed for data analysis. Cronbach's alpha, composite reliability and average variance extracted (AVE) were used to test the reliability and validity of the collected data while hypotheses were tested by using Structural equation modeling (SEM). The findings of the study shows that, there is a significant effect of product features, brand image, and product price on purchase intention of a smartphone but social influences has no significant impact on young customers' purchase intention. The study results will help the smartphone marketers to redesign their pandemic and post pandemic segmenting, targeting, differentiation and positioning strategies. Practical and managerial implications along with the future research directions have been discussed at the end of this paper also.

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.

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.

Continuance Usage Intention toward E-Payment during the COVID-19 Pandemic from the Financial Sustainable Development Perspective Using Perceived Usefulness and Electronic Word of Mouth as Mediators

Digital transformation is essential to financial sustainable development. Since the beginning of 2020, the whole world has been under the influence of the COVID-19 pandemic, which has accelerated the pace of financial digitization. According to the perceived usefulness of the technology acceptance model (TAM) and the perceived seriousness of the health belief model (HBM), this study developed and explored the theoretical framework of consumers’ continuance usage intention toward e-payment. A questionnaire survey was conducted to explore this continuance usage intention among consumers who have used e-payment in Taiwan during the COVID-19 pandemic, with a total of 387 valid samples. The overall model was analyzed by structural equation modeling (SEM). The empirical results showed that the security, perceived seriousness, and perceived usefulness of e-payment significantly affect electronic word of mouth (eWOM), while the security and perceived seriousness of e-payment have a significant effect on continuance usage intention through perceived usefulness and eWOM. During the COVID-19 pandemic, e-payment providers should encourage consumers to use e-payment via eWOM, perceived usefulness, and consumers’ perceived health seriousness and should improve the use efficiency of e-payment through e-payment financial services, thus encouraging consumers’ continuance usage intention toward e-payment.

Intention to Use Mobile Easy Payment Services: Focusing on the Risk Perception of COVID-19

Since the COVID-19 outbreak, the use of mobile easy payment services that minimize human contact has rapidly increased. Several studies have explored the relationship between the COVID-19 pandemic and the intention to use mobile easy payment services, assuming that the relationship between both variables is simply linear. However, actual complex relationships between variables cannot be fully analyzed in a linear fashion, as most relationships between variables of social phenomena are non-linear. Therefore, this study attempted to analyze the non-linear relationships between factors influencing the intention to use mobile easy payment services, especially since the COVID-19 outbreak, by applying the extended technology acceptance model (TAM2). Online and offline surveys were conducted with users who have used mobile easy payment services since the COVID-19 outbreak; 227 samples were secured for analysis. In addition, an empirical analysis was conducted using PLS-SEM to determine the linearity of relationships between variables. The results showed that subjective norms, perceived ease of use, and perceived usefulness had significant effects on the intention to use mobile easy payment services. Moreover, the COVID-19 pandemic had a significant moderating effect, also implying non-linear relationships between variables. Based on these results, the study proposes that the pandemic is a factor influencing the intention to use mobile easy payment services, and recommends that providers adopt marketing strategies, such as improving the usefulness of these services.

Factors affecting consumer acceptance of electronic cash in China: an empirical study

This paper proposes and validates a comprehensive model of consumer acceptance in the context of offline e-cash payment. It modifies the unified theory of acceptance and the use of technology model (UTAUT) with constructs of perceived security, cost of use, and government policy. Data collected from 4428 questionnaires about users' attitudes toward e-cash is used to apply a structural equation model which, in turn, assesses the predictive model. The empirical results indicate that perceived security and cost of use are beneficial extensions to the traditional UTAUT model, and intention is a key antecedent to users' actual utilization of e-cash. In addition, the demographic moderators are found to have significant effects on the relations among the variables. These results are useful to e-cash development and significant to the issue of Digital Currency Electronic Payment.

Kundenseitige Akzeptanz digitaler Finanzassistenten

Die vorliegende Studie untersucht, welche Faktoren auf Kundenseite die Nutzungseinstellung zu digitalen Finanzassistenten beeinflussen. Digitale Finanzassistenten bilden dabei Online-Anwendungen, die Nutzern über mehrere Banken und Versicherer eine integrierte Darstellung ihrer gesamten Finanz- und Absicherungssituation erlauben. Für die Untersuchung werden Erkenntnisse der Technologieakzeptanzforschung (vor allem „Technology Acceptance Model (TAM)“) und der Forschung zur Nutzung internetbasierter Technologien (vor allem „Internet Users’ Information Privacy Concern (IUIPC)“) verwendet. Das abgeleitete Erklärungsmodell wird auf Grundlage einer Online-Befragung (n = 2054) zunächst überprüft. Anschließend erfolgt eine explorative Modellmodifikation mittels einer Faktorenanalyse über alle verwendeten Frage-Items. Die Ergebnisse der durchgeführten multiplen linearen Regressionsanalysen zeigen, dass der wahrgenommene Nutzen, das Anbietervertrauen sowie die persönliche Innovationsbereitschaft und die wahrgenommene Kompatibilität mit dem eigenen Lebensstil einen signifikanten Einfluss auf die Einstellung zu digitalen Finanzassistenten nehmen. Die Studienergebnisse bilden die Grundlage für die Ableitung von Handlungsempfehlungen für die Versicherungspraxis bezüglich der Gestaltung und Ausrichtung digitaler Finanzassistenten.

Demand for Mobile Health in Developing Countries During COVID-19: Vietnamese's Perspectives from Different Age Groups and Health Conditions

BACKGROUND

Vietnam's economy and intellectual standards have witnessed significant development, improving conditions for residents to acquire novel mHealth applications. Additionally, the outbreak of the COVID-19 pandemic has influenced Vietnamese awareness of healthcare; however, previous studies have only been clinician-centered rather than customer-centered.

METHODS

This study addresses this literature gap by interviewing 50 Vietnamese participants grouped by age, namely Generation X, Generation Y, and Generation Z, and health conditions, namely whether participants or family members have chronic illness. The study utilized semi-structured and in-depth interviews to collect the data and used thematic analysis to analyze the data under the unified theory of acceptance and use of technology framework.

RESULTS

Most participants were willing to adopt this technology and demanded a convenient and user-friendly one-stop-shop solution, endorsements from credible and authoritative sources, and professional customer services. However, each group also had distinctive demands and behaviors.

CONCLUSION

This study contributes theoretically by providing context-rich demand for Vietnamese customers across three generations and healthcare conditions during the COVID-19 pandemic and comparing their behavior with pre-COVID literature. While this research provides helpful information for potential app developers, this study also suggests that mHealth developers and policymakers should pay more attention to the differences in the demand of age groups and health conditions.

A partial least squares approach to digital finance adoption

In present times, the adoption and adaption of technology have become empirical. This paper helps in determining the factors of perceived risk and perceived benefits in order to understand the willingness or hesitance of people to adopt digital finance. An attempt is made to study the influence of perceived risk and benefit as the determinants of digital finance adoption. The data were collected from individuals of Northern India through a structured questionnaire. The study collected data from 411 respondents through a structured questionnaire. Partial Least Square Structural Equation Modelling has been adopted to analyze the data through SmartPLSv2. For better understanding, perceived risk constituted three constructs-Security risk, financial risk and performance risk, and perceived benefit included seamless transaction, economic benefit and convenience. The research concluded that both perceived risk and benefits influence the adoption of digital finance. Perceived benefit has more impact on digital finance adoption than perceived risk. The findings of the paper are beneficial for digital finance service providers and marketers to enhance the awareness and advantages of digital finance according to the needs of consumers. The present study adds value to the existing literature on the relationship between perceived risk, perceived benefit and adoption of digital finance.

Online Donation Attitude and Satisfaction with Simple Mobile Payments: A Case of the Korean Red Cross

COVID-19 and the fourth industrial revolution have rapidly changed our society into an overall contactless one. As smartphones become more popularized, donation methods are shifting to online activities that are beyond the traditional methods. In such a contactless society, mobile payment services are emerging as an innovative payment method. However, donation consolidation and persistence are lacking in online donation marketing and other online situations. This study empirically examines the effects of personal factors (unselfishness, self-esteem, and social norms) and technical factors (perceived usefulness, ease of use, and perceived behavioral control) on donation trust, attitude, and satisfaction if donations were made through a simple mobile payment system. To this end, an online questionnaire survey was carried out on donors using the Korean Red Cross’ simple mobile payment service. By collecting 250 data samples, this study verified hypotheses. As a result of the analysis, social norms under the personal factors were significant, but unselfishness and self-esteem did not affect donors. The perceived usefulness and ease of use, which are technical factors, positively affected trust in donation, but the perceived behavioral control was not significant. Consequently, intrinsic behavioral influence factors such as personal unselfishness, self-esteem, or behavioral control did not significantly affect donation behavior, in contrast with traditional donation methods.

Covid-19 and organisational development: important signs of a new pillar for sustainability

Purpose

The global pandemic has had a considerable effect on organisations’ performance and development and on the daily lives of the general population. This study aims to analyse the recent literature on the topics of Covid-19 and sustainability and proposes to rethink and redefine sustainability with the intersection of human health as a fourth sustainable pillar.

Design/methodology/approach

Using the Scopus and ISI Web of Science databases, 119 articles were analysed in detail and classified according to concepts and principles for achieving sustainable development, based on the Brundtland Report, 1987.

Findings

The results indicate a high number of publications in the social dimension, with a relevant proportion of studies in the health sector. This study allows us to conclude that all sectors of society are being affected by the pandemic. However, the enormous tension and the immediate impact felt by the health sector during the pandemic reflect directly on the population, and there are clear signs that in the medium and long term, instability and uncertainty in the environmental, economic and social dimensions will remain. In national health systems, monitoring, innovating in human resource management and investing in information technology can ensure organizations’ reliability and sustainability. The conclusion involves the suggestion of introducing health as a new pillar for sustainability to consolidate the basis and structure of the United Nations’ Sustainable Development Objectives. The use of fundamental concepts is necessary and must be aligned to reassess the results obtained in studies, in comparison with observational data.

Practical implications

The implications arising from the inclusion of health as a fourth pillar of sustainability are diverse. The need to build a new theoretical and conceptual framework for sustainability derives from the fact that health reflects the concern of many postulants in this field of practices. The determining or conditioning conditions of the observed effects of the pandemic by COVID-19, whether situated simply as factors and/or economic, environmental or social reflexes that precede them, requires a conceptual development that allows its approach, as a complex object, whose determinations are subject to variable degrees of uncertainty and diversity.

Originality/value

This study aims to redefine the concept of sustainability, considering that health has become a public health emergency of international interest. Health affects the supply chain, cash flow, interferes with the educational format and interrupts the workforce’s routine, among other aspects, showing the true nature of its importance and its impact in all spheres (economic, environmental and social).

Public Health and Online MICE Technology During the COVID-19 Pandemic: The Role of Health Beliefs and Technology Innovation

The traditional meetings, incentives, conferences, and exhibitions (MICE) industry has been hit hard by social distancing regulations introduced to combat the COVID-19 pandemic, with concerns about pandemic risks and personal hygiene increasing the demand for online MICE technology. With the introduction of innovative new technologies to the MICE industry, it is important to study the psychology of online MICE attendees, particularly the factors affecting their behavioral intention to adopt online MICE technology during the pandemic. This study investigates the attitudes toward attending online MICE since the start of the epidemic based on the health belief model (HBM) and innovation diffusion theory (IDT). A total of 439 valid questionnaires were collected in China and used for structural equation modeling. The results show that the perceived safety threat, the comparative advantage, trialability, and outcome expectations positively impact the attendees' attitudes. Moreover, this study finds that attitude completely mediates the impact of perceived safety threat, comparative advantages, trialability, and outcome expectation on behavioral intention to attend online MICE events. These findings theoretically enrich the understanding of online MICE technology, the HBM, and the IDT and offer managerial implications for MICE organizers and exhibitors.

Social Distancing, Health Concerns, and Digitally Empowered Consumption Behavior Under COVID-19: A Study on Livestream Shopping Technology

During the COVID-19 pandemic, livestream shopping has provided consumers with a way to maintain social distancing while offering an alternative to offline shopping. This study aims to understand the impact of COVID-19 and other public health crises on the behavioral intentions of consumers using livestream shopping technology. A theoretical model was designed that combines the health belief model, trust theory, and the theory of planned behavior. Empirical data were collected from 358 residents in China and then analyzed using structural equation modeling. The results showed that perceived susceptibility, perceived severity, perceived benefits, and perceived obstacles had a significant impact on consumer trust. Consumer trust in turn had a direct impact on behavioral intention and an indirect impact on behavioral intention via attitude. These research results have practical implications for livestream shopping merchants, platform decision-makers, and service designers.

Poland–Turkey Comparison of Mobile Payments Quality in Pandemic Time

The main objective of this article is to identify and analyze the use of mobile payments in two countries, Poland and Turkey. The data for the study were collected with the application of the CAWI method in March 2021. The survey covered nearly 650 respondents in total. The basis for comparisons was populations from two culturally distinct countries, Poland and Turkey, which are at a similar level of development as regards the use of the Internet. The studies were carried out simultaneously in both countries and examined the group of young people aged 18–25. The research surveyed the population, which included the most active Internet users who are taking full advantage of the benefits of globalization, which is facilitated by the development of the Internet worldwide. The survey was translated into the respondents’ native languages, initially validated during the pilot studies and then distributed and circulated among the study participants. The obtained findings were subject to comparison, and the differences between the samples were analyzed and commented on to verify the hypotheses formulated in the study. The main limitation of the conducted study was the selection of a random group—the research sample consisted only of members of the academic community. The study presented in the article fills the research gap regarding international comparisons of the use of m-payments in the period of the COVID-19 pandemic. The obtained results indicate the undoubted fact of increased interest in the use of m-payments in e-commerce and e-banking, and even more importantly, differences concerning 40% of the criteria/attributes applied to assess the use of m-payments in both countries. The findings can be used by business practitioners dealing with the development of m-payments. Another potential application is to attempt to bridge the gaps between countries, which may be supported by globalization processes.

The Determinants of PayTech’s Success in the Mobile Payment Market—The Case of BLIK

FinTech and its interaction with banking is widely discussed today as a new phenomenon notwithstanding the relationship between technology and financial services is not a new topic. Most of the research focuses on innovations and determinants of their adoptions including among other innovations in the payment system. The studies dedicated directly to PayTechs as a special kind of a FinTech entity and its market activity are a relatively new field of research. This paper aims to fill this gap. The multidimensional character of this exploratory research causes the necessity to apply various research methods, including both inductive and deductive methods, together with comparative analysis. The theoretical analysis conducted in the paper for defining PayTechs from the perspective of business model and market behavior was based on an in-depth literature review. In this section, the inductive method and comparative analysis were mostly applied. The empirical part of the paper includes the analysis of quantitative data published by the National Bank of Poland (NBP), Central Statistical Office (GUS), and Bank for International Settlements (BIS). The subject of the case is the Polish Payment Standard referred to as BLIK implemented in Poland in 2015 for mobile payments. The BLIK diffusion is measured by the number of entrants and acceptants as well as the scope of transactions while the adoption by the number of customers using BLIK in everyday transactions. The results present the market behavior of BLIK as an open business model and the key success factors of BLIK adoption and diffusion and the determinants for further open payment innovations’ development. The newly developed definition of PayTechs, the identification of the major components of the PayTech open business model, as well as the indication of the key success factors of adoption and diffusion of m-payments, constitute the original contribution of the paper.

Value co-creation and co-destruction in the first cashless society in Colombia – a middle range theory approach

Purpose

The research examines the simultaneous processes of value co-creation and value co-destruction in the implementation of a mobile banking application in rural Colombia. Rural communities experience digital and financial deficits and often become the object of technology-based initiatives. In the town, vulnerable female heads of household received a government subsidy through a mobile app, becoming an experimental group for this government–private bank collaboration. In an effort to create the first cashless society in Colombia, the bank engaged the entire town and local government to create a service ecosystem, constituted by operant resources.

Design/methodology/approach

This study uses a qualitative, ethnographic approach to investigate the experiences of stakeholders in engaging with a mobile banking app. The empirical data is drawn from 34 interviews, representing different layers of this service ecosystem. The study identified and analysed actor engagement behaviours that occurred in the micro-, meso-, macro- and meta-layers of this ecosystem that shaped the perception and usage of mobile payments and digital money for rural consumers.

Findings

The study found that simultaneous manifestations of the co-creation and co-destruction of value present in different layers ultimately diminished the value proposition for this digital money system. We shed light on how actor engagement transitions across different layers of the ecosystem and that negative interactions in the meta-layer of the ecosystem can affect perceptions of value in the micro-layer.

Originality/value

This study has contributed to the service literature by integrating epistemological cultural theory into value co-creation and co-destruction construct. In doing so, we provide a broader context for understanding how actor engagement can negatively impact on the value creation process and offer a meaningful contribution to the development of midrange theory of the value creation process.

Fear of the COVID-19 Pandemic and Social Distancing as Factors Determining the Change in Consumer Payment Behavior at Retail and Service Outlets

The aim of this study was to identify the factors inducing customers to choose cashless payments made with payment cards at retail and service outlets during the COVID-19 pandemic. We identified factors that are crucial for consumers’ functioning under pandemic conditions, but which have so far been neglected in research. The estimated logit model indicates that the variables significantly influencing the more frequent choice of payment cards at retail outlets are related to the fear of infection and perception of the advantages of new technological solutions in connection with social distancing. Our study shows that, in addition to sociodemographic characteristics such as age and level of education, emotionally motivated factors induced by the pandemic have begun to play an important role in the transition to cashless payment.