Adoption Intention Research Articles

How does perceived security influence mobile wallet users' behavior? A SEM investigation

PurposeThe digital disruptions have provided alternative methods of monetary transactions. Despite the digital wave, cash as a payment option has regained its position. The purpose of this research is to investigate behavioral intentions of mobile wallet (m-wallet) users. The paper explores the dynamics of perception, behavioral intention motivation and satisfaction of m-wallet users.Design/methodology/approachThe authors have used a self-administered questionnaire for data collection. A total of 506 responses were analysed using confirmatory factor analysis in conjunction with Structural Equation Modeling, ensuring the validity and reliability of the insights into the behavioral dynamics of m-wallet users.FindingsThe research highlights the direct impact of perceived security on m-wallet users' perceptions, which subsequently influence both direct and indirect behavioral intentions. Moreover, satisfaction emerged as a significant determinant directly shaping behavioral intentions.Originality/valueThis study contributes significantly to the existing literature by offering a comprehensive understanding of the factors driving m-wallet adoption and usage intentions, thereby equipping stakeholders and policymakers with the necessary tools to devise effective strategies to promote mobile payment technologies in North India. The study employs a multifaceted model that incorporates six key elements, providing a comprehensive understanding of the complex interrelationships among these variables.

Analyzing policy implications by considering adoption barriers on consumer adoption intention for electric vehicles: a comprehensive overview

Analyzing policy implications by considering adoption barriers on consumer adoption intention for electric vehicles: a comprehensive overview

Does telemedicine hold the key for reproductive health care? A quantitative examination of women's intentions toward use and accurate information disclosure.

To investigate women's perceptions of telemedicine for reproductive health care services, focusing on how perceived benefits and privacy risks influence their intentions to adopt telemedicine and their willingness to disclose personal health information. A cross-sectional survey was conducted. The study applied the privacy calculus theory to the context of telemedicine for reproductive health, using adapted, validated variables to develop the survey. Outcome variables included intentions to adopt telemedicine and willingness to disclose accurate personal health information. Data were collected in May and June 2023 using Qualtrics online panel services, targeting women across the United States who had not used telemedicine for reproductive health. The sample comprised 847 women aged 18 and older. Structural equation modeling was employed using AMOS v28.0 to test the hypothesized relationships between perceived benefits, perceived risks, and adoption intentions. The analysis controlled for age, household income, political affiliation, religious views, and prior births. Perceived benefits were positively related to intention to adopt telemedicine for reproductive care (β: 0.600, p < 0.001), and willingness to disclose accurate personal health information (β: 0.453, p < 0.001). Unexpectedly, perceived privacy risks were positively related to adoption intentions (β: 0.128, p < 0.001), but negatively related to willingness to disclose (β: -0.282, p < 0.001). Intentions to adopt were positively associated with willingness to disclose (β: 0.089, p < 0.05). Lastly, older women and women located in states with abortion restrictions expressed lower intentions to adopt. The model explained 40.2% of variance in intention to adopt and 38.3% of variance in willingness to disclose. The study demonstrates the importance of perceived benefits and privacy risks in driving telemedicine adoption and disclosure intentions among women in the reproductive health context. These findings suggest the need for targeted strategies to address privacy concerns and support telemedicine adoption, particularly in restrictive regulatory environments.

Determinants of Online Dating Application Among Millennials

Online dating has become increasingly popular in recent years, these platforms provide a convenient and accessible way to meet new people. Studies on the use of dating applications among men and women highlight how these technologies shape communication practices and social relationships. For this study, the Unified Theory of Acceptance and Use of Technology (UTAUT) was applied to discover the determinants of online dating apps’ adoption intention. Possible determinants that might affect the intention to adopt online dating apps are sought and critically reviewed. The variables proposed in this research include performance expectancy, effort expectancy, social influence, facilitating conditions, and an additional variable – trust. Five hypotheses were constructed, questionnaires were distributed and responses were collected to determine the adoption intention of young millennials in Malaysia. The test results indicated that trust, performance expectancy and social influence influenced the adoption intention of online dating applications. Based on the results, for performance expectancy, it was revealed that users expressed concerns about the utility of dating applications in facilitating beneficial functions, such as broadening social networks, enhancing dating opportunities, and meeting dating needs. For social influence, it revealed that individuals, especially peers, who hold significance in their lives, influence their decision to engage with online dating apps. These influential individuals impact the users' intentions by communicating the benefits of online dating apps and recommending their use. As trust improves, millennials are less reluctant to adopt online dating apps, contributing to an increase in the user base for such applications

A Conceptual Framework of Navigating Digital Banking: How Gender Impacts Adoption Intentions in Klang Valley

Malaysian banking users have encountered negative experiences while adopting traditional bank services. Several customers and businesses face limited access to traditional banking products and services due to factors such as low or irregular income, bad credit, or a lack of conveniently located banks. The acceptability of digital banking products and services in Malaysia is currently unknown and inadequate due to the general lack of familiarity among Malaysians with the notion of digital banking. Conventional methods of analyzing consumer behavior, which primarily consider historical data and current resources, will not result in the achievement of branchless banking in the future. This paper presents a framework that examines how various factors such as performance expectancy, effort expectancy, social influence, facilitating condition, hedonic motivation, price value, and habit may influence behavioral intention. Additionally, the framework considers gender as a moderator variable. The results of this study are anticipated to expand the existing body of knowledge on behavioral intention and bring advantages to marketers and digital banking providers.

Mapping the critical factors of emerging technologies adoption intention in foodservice industry: a modified total interpretive structural modeling approach

ABSTRACT The advancement in technology is transforming the competitive ecosystem of the foodservice industry, thus enabling firms to enhance their intention to adopt emerging technologies. This transformation enables foodservice industry-based firms to focus on innovation and emerging technologies adoption within a rapidly changing business landscape. This study explores the critical factors of emerging technologies adoption intention in the foodservice industry and employs “modified total interpretive structural modeling” and “matrices impacts cruises multiplication applique classement” analysis to create a hierarchical model that establishes the relationship among identified factors impacting emerging technologies adoption intention. A five-level hierarchical model is developed. Findings of this study indicate that organizational characteristics and competitive pressure experienced by the foodservice industry are the driving factors that impact emerging technologies adoption intention. This paper helps to understand the dynamics between identified factors of technology adoption in the context of the foodservice industry using frameworks (“unified theory of acceptance and use of technology” and “technology acceptance model”). The proposed hierarchical model provides a structural framework that helps practitioners and researchers to understand the interrelation among critical factors of emerging technologies adoption intention in the rapidly evolving dynamic ecosystem of the foodservice industry.

Predicting user behavior on s-commerce platforms: a novel model

PurposeThis study investigates the influence of the wisdom of the crowd (WSC), trust and perceived value on consumer purchase intentions within social commerce (s-commerce) platforms. By constructing a novel theoretical model, the research aims to delineate the interrelationships among these variables, addressing an emerging area in social interactions and information technology.Design/methodology/approachTo empirically test and validate the proposed model, the study collected data from 442 Facebook users familiar with online shopping. The analysis employed Structural Equation Modeling – Partial Least Squares (SEM-PLS) to test the hypotheses and examine the relationships between WSC, trust, perceived value and purchase intentions.FindingsThe findings confirm that WSC significantly influences trust, perceived value and the intention to purchase on s-commerce platforms. Both perceived value and trust are substantial determinants of purchase intentions. Notably, the PLS analysis revealed that WSC accounts for 36.8% of the variance in trust and 33.1% of the variance in perceived value related to purchasing decisions on s-commerce platforms.Originality/valueThis research contributes uniquely to the ongoing discourse on s-commerce adoption by integrating WSC as a pivotal factor in understanding perceived value and consumer adoption intentions. It provides a fresh perspective on how collective intelligence affects consumer behavior in digital marketplaces, enriching the theoretical and practical understanding of s-commerce dynamics.

Promoting Sustainable Transportation: Factors Influencing Battery Electric Vehicle Adoption Across Age Groups in Thailand

Battery Electric Vehicles (BEVs) are a crucial innovation for achieving sustainable transportation and reducing greenhouse gas emissions, which are major contributors to global warming and climate change. While previous studies have explored attitudes towards BEV technology acceptance, few have examined the interplay of external factors such as government measures and adoption barriers in promoting sustainable mobility. This study addresses this gap by investigating the roles of government policies, usage obstacles and innovation diffusion in stimulating BEV purchase intentions, while applying the Innovative Diffusion Theory (IDT). Data from 3632 respondents in Thailand were analyzed using structural equation modeling (SEM) to examine causal relationships between factors. The results indicate that government policies supporting BEV users enhance innovation diffusion in society, leading to increased adoption intentions. Furthermore, effective policies help mitigate barriers to BEV usage, further encouraging adoption. The study also reveals that causal relationships of BEV usage intentions vary across age groups, highlighting the need for targeted approaches in promoting sustainable transportation. These findings contribute to the development of evidence-based policy recommendations to accelerate BEV adoption, supporting Thailand’s Carbon Neutrality goals and broader sustainable development objectives. By elucidating the complex dynamics of BEV adoption, this research provides valuable insights for policymakers and stakeholders working towards a more sustainable and environmentally friendly transportation sector.

Empowering Maternal Choice: Exploring Factors Influencing Early Postpartum Contraceptive Adoption Intention Among Pregnant Women in Northeast Ethiopia

Background: Despite progress in access to family planning services in many sub-Saharan African countries in recent decades, advances in early postpartum contraceptive adoption remain low, and the unmet need for early postpartum contraceptives is high. According to the Ethiopia Demographic and Health Survey report, early postpartum modern contraceptive method uptake is still unacceptably low in Ethiopia. Objectives: This study aimed to determine the magnitude of intention to adopt early postpartum modern contraceptive methods and its associated factors among pregnant women in Dessie and Kombolcha town zones, northeast Ethiopia. Methods: A community-based cross-sectional study was deployed from 15 January–15 February 2023, in the Dessie and Kombolcha zones, northeast Ethiopia, among pregnant women. The study involved 780 pregnant women using the cluster sampling technique. A census was conducted in 20 randomly selected clusters to identify eligible pregnant women. Actual data were collected home-to-home in the community through face-to-face interviews. Data were collected by Open Data Kit (ODK) and exported to STATA 17 for analysis. A multivariable logistic regression analysis was performed, and the goodness of the model was checked by Hosmer–Lemeshow’s test statistic and rock curve. An adjusted odds ratio with a 95% confidence interval and p-value &lt; 0.05 was considered statistically significant. Result: The study revealed that 49.6% of pregnant women lack autonomy and 50% lack knowledge about early postpartum contraception, with participants’ wealth index status ranging from rich (36.6%) to poor (33.2%). The study found that 75.8% of pregnant women intended to adopt early postpartum modern contraceptive methods early after childbirth. After controlling the potential confounders, mother’s age (AOR = 6.2 [2.6–14.6], birth interval (AOR = 2.5 [1.6–3.7]), have paid work (AOR = 1.9 [1.3–2.8]), health facility from home (AOR = 2.6 [1.5–4.4]), last delivery Place (AOR = 2.4 [1.1–5.7]), knowledge on (AOR = 1.5 [1.1–2.1]), and antenatal care follow-up (AOR = 1.9 [1.2–3.3]) were significant associated factors of intention to uptake early postpartum modern contraceptive methods among pregnant women. Conclusions: The study found that 75% of the participants had the intention to adopt contraceptive methods during the early postpartum period. Identified factors influencing this intention were age, birth interval, women’s employment status, area of residence, distance to health facilities, last delivery place, knowledge of early postpartum modern contraception, gravidity, and antenatal care follow-up. These findings highlight the need for targeted interventions to address these factors, framing the intended users and enabling access to early adoption of postpartum contraceptive methods.

Perceived Benefits And Perceived Behavioral Control Toward Fintech Adoption Intention In Banking Products

This study aims to verify the relationship between perceived benefits and perceived behavioral control on fintech adoption intention on banking products and services in Indonesia. This quantitative study uses the technology acceptance model (TAM) approach and the theory of planned behavior (TPB). The sampling technique uses purposive sampling, with a sample size of 545 respondents. The data source used is primary data. Data were collected by distributing questionnaires built using Google Forms and distributed through social media. The data analysis technique uses a structural equation model based on partial least squares (SEM-PLS) with the help of SmartPLS software. The study's results prove that perceived benefits and perceived behavioral control positively affect fintech adoption intention. This study can theoretically prove that the TAM and TPB theories can be applied together and explain the relationship between research variables. Practically, the TAM and TPB theories can be used together as a policy-making model for implementing fintech innovation in banking.

Blockchain adoption factors in agricultural supply chains: A PLS-SEM study

The purpose of this study is to explore factors influencing the blockchain adoption in agricultural supply chains, to make a particular focus on how security and privacy considerations, policy support, and management support impact the blockchain adoption intention. it further investigates perceived usefulness as a mediating variable that potentially amplifies the effects of these factors on blockchain adoption intention, and sets perceived cost as a moderating variable to test its influence on the strength and direction of the relationship between perceived usefulness and adoption intention. through embedding the cost-benefit theory into the integrated tam-toe framework and utilizing the partial least squares structural equation modeling (PLS-SEM) method, this study identifies the pivotal factors that drive or impede blockchain adoption in the agricultural supply chains, which fills the gap of the relatively insufficient research on the blockchain adoption in agriculture field. the results further provide empirical evidence and strategic insights that can guide practical implementations, to equip stakeholders or practitioners with the necessary knowledge to navigate the complexities of integrating cutting-edge technologies into traditional agricultural operations, thereby promoting more efficient, transparent, and resilient agricultural supply chains.

Factors Influencing Consumer Adoption of Mobile Payment Systems in Jambi, Indonesia: A Technology Acceptance Model Approach

Mobile payment systems (MPS) are rapidly transforming financial transactions in Indonesia, including in Jambi Province. However, the adoption rate varies significantly. This study investigates the factors influencing consumer adoption of MPS in Jambi, Indonesia, using the Technology Acceptance Model (TAM) as a theoretical framework. A quantitative approach was employed, involving a survey of 300 consumers in Jambi Province. Data were analyzed using Structural Equation Modeling (SEM) to examine the relationships between perceived usefulness, perceived ease of use, social influence, trust, perceived risk, and the intention to use MPS. The findings revealed that perceived usefulness, perceived ease of use, social influence, and trust positively influence the intention to use MPS. Conversely, perceived risk negatively affects adoption intention. This study provides valuable insights for policymakers, financial institutions, and mobile payment providers to promote MPS adoption in Jambi. Strategies should focus on enhancing the perceived usefulness and ease of use of MPS, building trust, leveraging social influence, and mitigating perceived risks.

Exploring consumers’ innovative products adoption process: based on technology readiness and value-based adoption

ABSTRACT This study seeks to empirically verify whether technology readiness composed of facilitating factor and inhibiting factor, affects consumer’s decision on innovation adoption. In addition, in an attempt to explore the mediation mechanism, the study sought to confirm whether technology readiness impacts consumers’ adoption decision through the dual paths, employing double sided perceptions with regards to perceived benefits and perceived sacrifices of the innovation. Finally, the study examines the moderating effect of psychological distance on the relationships between perceived benefits (and sacrifices) and adoption intention. Result of the study revealed that innovativeness affects the intention to adopt innovative products. Perceived benefits (and sacrifices) mediated the relationship between technology readiness and the intention to adopt innovative products. Finally, the study confirmed that the psychological distance moderates the relationship between perceived benefits (and sacrifices) and the intention to adopt innovative products.

Chatbots adoption intention in public sector in Malaysia from the perspective of TOE framework. The moderated and mediation model

Purpose This paper aims to investigate the motivating factors for Malaysian governmental agencies (MGAs) to embrace chatbot technology. Design/methodology/approach Based on the technology-organisation-environment (TOE) framework, using purposive and snowball sampling techniques, 262 online data from the MGA top management were gathered. Smart PLS4 was employed to test the hypotheses of the study. Findings The findings demonstrated positive relationships between technological readiness (TR), big data analytics (BDA), organisational readiness (OR), organisational learning capabilities (OLC) and governmental policies (GP) concerning chatbot adoption intention and also the relationship GP with OR. A mediating effect was also observed, which indicated the OLC role in positively mediating BDA, the OR role in positively mediating OLC and the OR role in positively mediating GP with OR and OLC as sequential mediators in the relationship between BDA and chatbot adoption intention. Furthermore, the presence of citizen demand (CD) strengthened the relationship between TR, OR and chatbot adoption intention. Research limitations/implications This study was limited to Malaysian federal government agencies who still not adopting Chatbots. Practical implications The findings offer valuable insight into factors affect the adoption of chatbots among Malaysian government agencies. Stakeholders, including department heads, can use these findings to strategically enhance counter service by promoting chatbot adoption. Originality/value The study demonstrated that the TOE framework was effective in identifying the factors contributing to the decision-making process for adopting chatbots across MGAs. Organisational readiness and organisation learning capability was found to sequentially mediate the relationship between big data analytic and intention to adopt chatbot. Citizen demand was found to have moderation effect on the relationship between organisational readiness and technological readiness towards the intention to adopt a chatbot.

Drivers of digital currency adoption and their configurational impact assessment in tourism and hospitality: loss aversion under prospect theory

ABSTRACT With accelerated digitalisation in all business sectors, digital currencies (DC) are increasingly popular. This study aimed to identify the effects of central bank digital currency (CBDC) innovation characteristics and perceived risks on CBDC adoption intention in the tourism and hospitality field. This study devised a research model incorporating research hypotheses addressing CBDC customers’ perceptions of CBDC's innovative technology and risks. To test the hypotheses, data were obtained from the USA, Korea, and China. CBDC's innovation characteristics and perceived risks affected the adoption of CBDC for transactions during travel. The results have academic and practical value because they aid understanding of customers’ reactions to the new transaction system and establish proactive marketing strategies such as promotional message development to reduce perceived risks in lieu of strengthening innovative characteristics.

Making mobile financial services stick: an empirical investigation into user attitudes and intentions for sustainable adoption

Making mobile financial services stick: an empirical investigation into user attitudes and intentions for sustainable adoption

Evaluating Belizean Sugarcane Farmers’ Adoption Intentions Regarding Organic Fertilizer

Sugarcane is vital to Belize’s economy, significantly contributing to its Gross Domestic Product and supporting a large portion of the population. It is necessary to address the declining soil health in this nation due to excessive chemical fertilizer use, and Belize aims to promote organic fertilizers, which enhance soil quality and reduce environmental impacts. The primary purpose of this study was to investigate the determinants of adoption intentions regarding organic fertilizers among Belizean sugarcane farmers using the Extended Theory of Reasoned Action. Data were collected from 207 farmers in the Orange Walk and Corozal districts using a non-probability sampling approach via a self-administered questionnaire measuring perceived health risks, environmental concerns, attitudes, subjective norms, and adoption intentions. The results revealed that both perceived health risks and environmental concerns influenced farmers’ attitudes and subjective norms, which, in turn, affected their adoption intentions, as revealed through path analysis; socio-economic factors, years of farming experience, and ownership background partially affected adoption intentions regarding organic fertilizers, as determined via binary logistic regression analysis. The findings suggest that raising farmers’ awareness of health risks and environmental crises, as well as enhancing farmers’ knowledge and their positive attitudes towards the use of organic fertilizers, will contribute to the sustainable development of the sugarcane industry in Belize. Some interventions by policymakers are recommended to support the transition to the use of organic fertilizers in sugarcane farming.

Examining the impact of personalization and carefulness in AI-generated health advice: Trust, adoption, and insights in online healthcare consultations experiments

Artificial intelligence (AI) technologies, exemplified by health chatbots, are transforming the healthcare industry. Their widespread application has the potential to enhance decision-making efficiency, improve the quality of healthcare services, and reduce medical costs. While there is ongoing discussion about the opportunities and challenges brought by AI, more needs to be known about the public's attitude towards its use in the healthcare domain. Understanding public attitudes can help policymakers better grasp their needs and involve them in making decisions that benefit both technological development and social welfare. Therefore, this study presents evidence from two between-subjects experiments. This study aims to compare the public's adoption and trust levels in health advice provided by human vs. AI doctors and explore the potential effects of personalization and carefulness on the public's attitudes. Experimental designs adopt a trust-centered, cognitively and emotionally balanced perspective to study the public's intention to adopt AI. In Experiment 1, the experimental conditions involve the types of decision-makers providing online consultation advice, either AI or human doctors. In Experiment 2, the experimental conditions involve varying levels of perceived personalization and carefulness (high vs. low). A total of 734 participants took part in the study. They were randomly assigned to one of the intervention conditions and responded to manipulation checks after reading the materials. Using a seven-point Likert-type scale, participants rated their cognitive and emotional trust levels and intention to adopt the advice. Partial Least Squares Structural Equation Modeling (PLS-SEM) is conducted to estimate the proposed theoretical perspective. Qualitative interviews on both real-world and AI-generated treatment recommendations further enriched the understanding of public perceptions.The results show that AI-generated advice is generally slightly less trusted and adopted by the public. However, a noticeable inclination towards AI-generated advice emerges when AI demonstrates proficiency in understanding individuals' health conditions and providing empathetic consultations. Further analyses confirm the mediating influence of emotional trust between cognitive trust and adoption intention. These findings provide deeper insights into the process of adoption and trust formation. Moreover, they offer guidance to digital healthcare providers, empowering them with the knowledge to co-design AI implementation strategies that cater to the public's expectations.

AI Chatbots in Fintech Sector: A Study Towards Technological Convergence

The Fintech industry, particularly banks, has witnessed a profound transformation with the integration of Artificial Intelligence chatbots, redefining customer experience and engagement. As Fintech firms increasingly integrate AI chatbots into their platforms, understanding customer perceptions becomes paramount for strategic decision-making and sustained success. To unravel the complexities of this convergence, a holistic examination is needed, encompassing not only the technological aspects but also the strategic dimensions that underpin competitive advantage. In this context, the role of intellectual property, particularly patents, emerges as a critical factor shaping the innovation landscape. This research aims to comprehensively investigate customers' perceptions towards AI chatbots in the Fintech industry, with a specific focus on technological convergence. The study seeks to analyze the impact of cutting- edge AI chatbot technologies, including those protected by patents, on user attitudes and overall customer experience within the dynamic fintech landscape. This study provides a comprehensive review of 40 empirical studies on AI chatbots in the fintech industry, particularly the banking sector, featuring patented innovations using the PRISMA methodology. Study outcomes illustrate emerging themes related to consumer behavior and response to financial chatbots in terms of acceptance and adoption intention. Additionally, four key factors that influence how people perceive, anticipate, and engage with fintech chatbots, namely satisfaction, trust, anthropomorphism, and privacy are explored. In conclusion, the finance industry's effective integration and broad use of AI chatbots is dependent on the convergence of four factors: satisfaction, privacy, trust, and anthropomorphism. Current study offers a strong basis for analysing and resolving the obstacles to AI chatbot acceptance and deployment in the financial sector by addressing all these elements extensively. This exploration of technological convergence in fintech industry by analyzing customers' behavior and response to financial chatbots not only contributes to a comprehensive understanding of its intricacies but also serves as a foundation for development and deployment of user-centric fintech chatbots.

Moderating effects of policy measures on intention to adopt autonomous vehicles: Evidence from China

Autonomous vehicles (AVs) can potentially revolutionize the transportation system, but the extent of their impact may depend on users’ attitude and AV-related policies. This paper seeks to provide a holistic view of the impacts of policy, attitudinal, and sociodemographic factors on AV adoption intention. An extension to the original Technology Acceptance Model is proposed by incorporating perceived enjoyment (i.e., how enjoyable respondents think using an AV will be) and policy factors. Four policy factors include the availability of financial incentives, awareness campaigns, traffic policies, and legislative measures. Using 1,831 survey responses in China, multiple linear regression models were estimated to quantify the direct impacts of the proposed policy and attitudinal factors on AV adoption intention. They also illustrate the moderating effects of these policies on the relationships between attitudinal factors and AV adoption intention. The study findings may be used to design future policy measures to facilitate a smooth transition to an era of AVs.