• Consumer adoption of mobile banking in Jordan: Examining the role of usefulness, ease of use, perceived risk and self-efficacy

      Alalwan, A.; Dwivedi, Y.K.; Rana, Nripendra P.; Williams, M.D. (2016-02-08)
      The purpose of this paper is to propose and examine a conceptual model that best explains the key factors influencing Jordanian customers' intention to adopt mobile banking (MB). Design/methodology/approach – The proposed conceptual model was based on the Technology Acceptance Model (TAM). This was extended by adding perceived risk and self-efficacy as an external factors. Structural equation modelling (SEM) was conducted to analyse the data collected from the field survey questionnaires administered to a convenience sample of Jordanian banking customers. Findings – The results showed that behavioural intention is significantly influenced by perceived usefulness, perceived ease of use, and perceived risk. Research limitations/implications – Practical and theoretical implications for both Jordanian banks and researchers in the MB context are also discussed in the concluding section. Originality/value – MB-related issues are yet to be examined empirically in the Jordanian context. This submission has attempted to fill this gap by empirically examining some of the important factors influencing the adoption of MB from the Jordanian customers’ perspective.
    • Critical success factors of the digital payment infrastructure for developing economies

      Singh, N.K.; Sahu, G.P.; Rana, Nripendra P.; Patil, P.P.; Gupta, B. (2019-01)
      This paper studies the Critical Success Factors’ (CSFs) for the adoption of Digital Payment System in India. There are few studies about the literature on CSFs for the adoption of the digital payment system in the Indian context. This study is an attempt to cover this gap. In this study, we reviewed the theories for adoption model at the individual level used in Information System (IS) and discussed four technology model including “Technology Acceptance Model” (TAM). Ten factors have been identified with extensive literature review and review of selected models namely; Perceived Ease of Use, Perceived functional benefits, Awareness, Availability of Resources, Government as a policy maker, Performance Expectancy, Social Influence, Price Value, Experience & Habit, and Risk-taking ability. An expert from academic industry has been taken as a reviewer or consultant of the selected variables. The CSFs may ensure that they are the predictors and the important factors for adoption of digital payments system in India. The study mainly uses the deductive approach to consider the primary and secondary sources of data. The analyses of these models take into account through Interpretive Structural Modeling (ISM) methodology and develop a model for effective adoption of Digital Payment System in India. The paper also makes future recommendations for further research studies.
    • Examining adoption of mobile internet in Saudi Arabia: Extending TAM with perceived enjoyment, innovativeness and trust

      Alalwan, A.A.; Baabdullah, A.M.; Rana, Nripendra P.; Tamilmani, Kuttimani; Dwivedi, Y.K. (2018-11)
      Mobile internet represents a breakthrough technology that has derived much attention from mobile organizations and services providers in the Kingdom of Saudi Arabia (KSA).1 However, the level of acceptance of mobile internet in the KSA is still below the level of ambition. This is in addition to the fact that there is a considerable need to discover the main factors shaping Saudi customers' intention and adoption of such a mobile system. For this reason, this study is conducted in the hope of providing further understanding about the adoption of mobile internet in the KSA. The extension version of Technology Acceptance Model TAM2 with perceived enjoyment was adopted as a theoretical foundation of the current study model. This was expanded by considering two additional factors: innovativeness and trust. The main empirical data collected through questionnaires was analysed using structural equation modelling (SEM).3 Perceived usefulness, perceived enjoyment, trust, and innovativeness are statistically supported to have a significant impact on the Saudi customer intention to adopt mobile internet. Further discussion regarding the main contribution as well as research limitations and future directions are presented at the end of this paper.
    • Fostering Financial Inclusion in Developing Countries: Predicting User Acceptance of Mobile Wallets in Cameroon

      Fosso Wamba, S.; Queiroz, M.M.; Blome, C.; Sivarajah, Uthayasankar (2021-07)
      Financial inclusion is a vital development priority for countries worldwide. Mobile wallet (m-wallet) is considered as a disruptive payment method that will substitute the traditional physical wallet to achieve the so-called cashless society and enables financial inclusion. This study aims at developing and testing a research model that integrates a set of technology factors (perceived usefulness, perceived ease of use, fun to use, monetary value), external factors (peer influence and perceived status benefit), and cultural factors (humane orientation and societal collectivism) to assess the intention to adopt and use m-wallet, for financial inclusion, in a developing country. The proposed conceptual model is tested using data collected from 621 m-wallet users in Cameroon. The model explains 47.5% of the variance of the actual use of m-wallet and 32.90% of the variance of financial inclusion. Finally, implications for research and practice are discussed.
    • An integrated model for m-banking adoption in Saudi Arabia

      Baabdullah, A.M.; Alalwan, A.A.; Rana, Nripendra P.; Patil, P.; Dwivedi, Y.K. (2019-04-01)
      Purpose The purpose of this paper is to identify and examine the most important factors that could predict the Saudi customer’s continued intention towards adoption of mobile banking. Design/methodology/approach The proposed conceptual model was based on the technology acceptance model (TAM) and task-technology fit (TTF) model. This is also expanded by considering two additional factors: perceived privacy and perceived security. By using a self-administered questionnaire, the data were collected from a convenience sample of Saudi banking customers from different parts of Saudi Arabia. Findings The main results based on structural equation modelling analyses supported the impact of perceived privacy, perceived security, perceived usefulness and TTF on the customers’ continued intention to use mobile banking. Research limitations/implications The moderation influence of the demographic factors (i.e. age, gender, income level, educational level) was not tested. The data were also collected using a self-report questionnaire; however, it would be more accurate to utilise more statistics from the bank database about the users of m-banking. Originality/value This study represents a worthy attempt to test such novel technology (m-banking) in the KSA where there is a scarcity of literature. A considerable theoretical contribution was also made by integrating the TTF model with the TAM in addition to consider privacy and security in one single model. Moreover, considering both perceived privacy and security in the current model creates an accurate picture about the adoption of m-banking especially as there are a limited number of m-banking studies that have considered privacy and security alongside the TTF model and TAM in the same model.
    • Understanding AI adoption in manufacturing and production firms using an integrated TAM-TOE model

      Chatterjee, S.; Rana, Nripendra P.; Dwivedi, Y.K.; Baabdullah, A.M. (2021-09)
      This study aims to identify how environmental, technological, and social factors influence the adoption of Industry 4.0 in the context of digital manufacturing. The Industry 4.0 era has brought a breakthrough in advanced technologies in fields such as nanotechnology, quantum computing, biotechnology, artificial intelligence, robotics, the Internet of Things, fifth-generation wireless technology, fully autonomous vehicles, 3D printing and so on. In this study, we attempted to identify the socioenvironmental and technological factors that influence the adoption of artificial intelligence embedded technology by digital manufacturing and production organizations. In doing so, the extended technology-organization-environment (TOE) framework is used to explore the applicability of Industry 4.0. A conceptual model was proposed that used an integrated technology acceptance model (TAM)-TOE model and was tested using survey-based data collected from 340 employees of small, medium and large organizations. The results highlight that all the relationships, except organizational readiness, organizational compatibility and partner support on perceived ease of use, were found to be significant in the context of digital manufacturing and production organizations. The results further indicated that leadership support acts as a countable factor to moderate such an adoption.
    • Understanding consumer adoption of mobile payment in India: Extending Meta-UTAUT model with personal innovativeness, anxiety, trust, and grievance redressal

      Patil, P.; Tamilmani, Kuttimani; Rana, Nripendra P.; Raghavan, V. (2020-10)
      Mobile payments are the future as we move towards a cashless society. In some markets, cash is already being replaced by digital transactions, but consumers of many developing countries are slower in transition towards digital payments. This study aims to identify major determinants of consumer mobile payment adoption in India the country with second largest mobile subscribers in the world. Existing mobile payments adoption studies have predominantly utilised Technology Acceptance Model (TAM), which was primarily developed in organisational context and criticised for having deterministic approach without much consideration for users’ individual characteristics. Therefore, this study adapted meta-UTAUT model with individual difference variable attitude as core construct and extended the model with consumer related constructs such as personal innovativeness, anxiety, trust, and grievance redressal. Empirical examination of the model among 491 Indian consumers revealed performance expectancy, intention to use, and grievance redressal as significant positive predictor of consumer use behaviour towards mobile payment. Moreover, intention to use was significantly influenced by attitude, social influence, and facilitating conditions. The major contribution of this study includes re-affirming the central role of attitude in consumer adoption studies and examining usage behaviour in contrast to most existing studies, which examine only behavioural intention.
    • Using clickers in a large business class: examining use behavior and satisfaction

      Rana, Nripendra P.; Dwivedi, Y.K. (2016-04)
      As more and more institutions are integrating new technologies (e.g., audience response systems such as clickers) into their teaching and learning systems, it is becoming increasingly necessary to have a detailed understanding of the underlying mechanisms of these advanced technologies and their outcomes on student learning perceptions. We proposed a conceptual model based on the technology acceptance model to understand students’ use behavior and satisfaction with clickers. The valid response from 138 second-year business students of Digital Marketing module taught in a British university, where clickers are extensively used in the teaching and learning process, made the basis for data analysis. The results provided a strong support for the proposed model with a reasonably adequate variance (i.e., adjusted R2) of 67% on behavioral intentions and sufficiently high variance on use behavior (i.e., 86%) and user satisfaction (i.e., 89%).