Technology Acceptance Model Theory Research Articles

Determinants of Digitalization in Unorganized Localized Neighborhood Retail Outlets in India

The increase in digital disruptions and changing preferences of different stakeholders has led to digital adoption in all hierarchies of business ecosystem. This study focused on the identification of the determinants of digitalization in unorganized small, localized retail outlets (Kirana stores) of an emerging economy. A theoretical model was constructed with certain modifications based on technology adoption models such as Technology Acceptance Model (TAM) and Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) to study the impact on business performance in general and as an effect of pandemic. A survey of 285 Unorganized Localized Retail Outlets Stores from different regions of India was used to validate this theoretical model, and structural equation modeling was then further employed. The findings underscore that cost, compatibility, perceived ease of use, and perceived usefulness significantly affect the intention to digitalize. By addressing the post-pandemic impact of digitalization within an unorganized sector in an emerging economy, this study adds to the scant literature that exists in this context.

Blockchain technology system on student academic performance in higher education as perceived by students in Portugal

ABSTRACT This study conceptually identified the most influential factors from previous studies, which were extracted and classified into contexts based on the technology acceptance model and expectation confirmation theory framework. The purpose of this study is to examine the impact of blockchain system perceived quality and perceived usability on student academic performance (SAP) through the mediating role of student satisfaction and the moderating role of continuance intention. The convenience sampling technique was used to collect data from 583 students studying in different private and public universities in Portugal. Hypotheses were tested using partial least squares-structural equation modeling (PLS-SEM) with SmartPLS software version 4. The findings revealed that the direct effect of blockchain system perceived quality on SAP is positive and significant, while perceived usability is not significant. Moreover, student satisfaction positively and significantly mediates the relationship between perceived quality and SAP, as well as between perceived usability and SAP. Lastly, continuance intention as a moderator has a positive and significant influence on student satisfaction and SAP. The relationship between blockchain system perceived quality, perceived usability on SAP represents a novel contribution through the mediation of student satisfaction and the moderation of continuance intention between student satisfaction and SAP.

Does service quality matter in FinTech payment services? An integrated SERVQUAL and TAM approach

As the number of FinTech start-ups continues to rise globally, the utilization of these services by users becomes increasingly crucial, especially considering potential risks. Various factors affect users' utilization of financial technology, with the quality of services offered by FinTech providers standing out as a significant consideration. The aim of this study is to investigate the relationship between the quality of services offered by FinTech payment platforms and the utilization of FinTech services. We develop a novel conceptual model integrating elements from SERVQUAL and TAM (the Technology Acceptance Model) to investigate these dynamics. To gain a comprehensive understanding, we employed a mixed methods research approach. This approach included a quantitative survey analyzed using a partial least squares structural equation model (PLS-SEM) to examine the proposed framework and the relationships between its constructs. Following the survey, a follow-up focus group discussion with industry experts and academics was conducted to delve deeper into the findings and explore the "why" behind the statistical relationships. The findings reveal a significant impact of the quality of services offered by FinTech payment service providers on the utilization of such services. It demonstrates that in the FinTech sector, perceived usefulness does not always dominate perceived ease of use. Moreover, it confirms the profound influence of perceived usefulness in shaping attitudes and subsequent behaviour related to technology use. These insights contribute to an enhanced understanding of the factors driving the utilization of FinTech services.

Exploring the public's beliefs, emotions and sentiments towards the adoption of the metaverse in education: A qualitative inquiry using big data

AbstractThe metaverse is rapidly reshaping our understanding of education, yet identifying the public's beliefs, emotions and sentiments towards its adoption in education remains largely uncharted empirically. Grounded in the Technology Acceptance Model (TAM) and Digital Diffusion Theory (DOI), this paper aims to fill this gap using a big‐data approach and machine learning to scrape comments made by social media users on recent popular posts or videos related to adopting the metaverse in education from three prominent social media platforms. The cleaning process narrowed down 11,024 comments to 4277, then analysed them using thematic, emotion and sentiment analysis techniques. The thematic analysis revealed that adopting the metaverse in education evokes a complex range of public beliefs: (1) innovative learning methods; (2) accessibility and inclusion; (3) concerns about quality and effectiveness; (4) technological challenges and the digital divide; (5) the future of work and skills; and (6) privacy and security concerns. Integrating these themes with emotion and sentiment analyses reveals a landscape of a significant portion of neutral sentiments that corroborates enthusiasm attenuated by caution. This careful consideration stresses the urgent need for a balanced approach to adopting the metaverse in education to ensure that resulting educational advancements benefit all learners equitably. As one of the first studies to offer a multidimensional view of the public's beliefs about metaverse education using big data, this research not only contributes to TAM and DOI but also provides critical insights that could inform policy, enhance educational practices and guide future scholarship in this emerging field.

FACTORS AFFECTING ADOPTION OF FINTECH IN NEPAL

Fintech is the rapidly growing sector has had a profound impact on the global world, transforming various aspects of financial services and shaping the way people manage their money and engage in financial transactions. According to (Thakor, 2020) “FinTech is the use of technology to provide new and improved financial services by leveraging cutting-edge technologies to offer innovative, efficient, and user-centric solutions”. It's important to note that the FinTech landscape is constantly evolving, so there may have been further developments since then. The Technology Acceptance Model (TAM) and Unified Theory of Acceptance and Use of Technology (UTAUT) is utilized to analyze the degree that perceived usefulness, perceived ease of use, perceived risk, policy measures and the demographic profile has kinds of impact on the adoption of Fintech in Nepal. The total of 65 questionnaire sample was collected as verified samples for analysis. It was found that 3 factors had a significant positive relationship with the adoption except perceived risk which showed negative relationship. Nevertheless, male respondents were reported to have higher intention as compared to female respondents. Keywords: Fintech, TAM, UTAUT, Innovation

Determinants of Islamic fintech adoption: a systematic literature review

Purpose Sharia-compliant financial technologies (Islamic fintech) are becoming increasingly popular among Muslims and non-Muslims. As the Islamic fintech landscape continues to grow and transform, it is crucial to understand the factors that influence the acceptance or adoption of Islamic fintech services from the past literature. Therefore, this paper aims to conduct a systematic literature review (SLR) to investigate and compile factors that could influence a user to adopt Islamic fintech. Design/methodology/approach The current study adopted the systematic literature review approach using Preferred Reporting Items for Systematic Reviews and Meta-Analyses technique to examine research on Islamic fintech adoption. A set of inclusion criteria was applied to filter out irrelevant documents and ensure the selection of only the most relevant ones. The criteria were limited to quantitative journals published in English between 2012 and 2022, as identified in Scopus outlets. Findings Despite the existence of various theoretical frameworks, the technology acceptance model and Unified Theory of Acceptance and Use of Technology 2 frameworks have gained prominence as the most frequently applied frameworks in examining Islamic fintech adoption. In addition, trust is the most important self-developed construct for the adoption of Islamic Fintech. Research limitations/implications The current study does not segregate the intention, actual usage and retention, as the author is interested in understanding the overall adoption of Islamic fintech services. To obtain more specific analysis results, future research could potentially separate the three types of adoption exposure, i.e., consumer acceptance, intention and retention. Next, future studies can also expand their analysis and gain a better understanding of the research topic by exploring alternative data sources such as Web of Science, ERA or JSTOR. Originality/value To the best of the author’s knowledge, this study makes a significant contribution to the literature by providing the first systematic literature review of factors influencing fintech adoption from an Islamic perspective.

ANALYSIS OF THE INFLUENCE OF SELF-EFFICACY, PERCEIVED EASE TO USE, PERCEIVED BENEFITS, AND PERCEIVED RISK, ON INTENTION TO USE DIGITAL PAYMENT APPLICATIONS IN YOGYAKARTA

The flow of technological developments in recent decades has experienced rapid progress and has triggered the emergence of many innovations in various fields, one of which is in the financial sector. A form of innovation in the financial sector is starting to change the way of paying digitally, using digital payment applications. This development was not immediately accepted by society. Based on this problem, this research aims to determine the intention to use digital payment applications in Yogyakarta using the Technology Acceptance Model (TAM) theory, namely self-efficacy, perceived ease of use, perceived benefits, perceived risk. This research used quantitative methods, with 115 respondents from various levels of society in the city of Yogyakarta with a minimum age of 18 years. The data collection method in this research used a questionnaire, and the results obtained were tested using the Structural Equation Model via Smart PLS 4 software by testing 6 hypotheses. The research results show that self-efficacy has a positive influence on the perception of ease of use of digital payment applications in. Self-efficacy has a positive influence on perceived benefits. Self-efficacy has a positive influence on risk perception. Perceived ease of use has a positive influence on Intention to Use. Perceived usefulness has a positive influence on Intention to Use. Risk perception has a positive influence on Intention to Use.

Utilizing Ant Forest technology to foster sustainable behaviors: A novel approach towards environmental conservation

Amidst mounting environmental threats and exacerbated global risks from climate change, the urgency for sustainable behaviors has never been more critical, demanding concerted efforts to cultivate individual actions for environmental conservation. Ant Forest technology, a groundbreaking innovation for sustainable lifestyles, stands at the forefront of this battle, harnessing technological advancements to drive positive environmental impact and must be championed. This research investigates the dynamics of environmental conservation behaviors facilitated by Ant Forest Technology. Employing a theoretical framework integrating the Technology Acceptance Model (TAM) and Self-Determination Theory (SDT), the study explores the impact of autonomous and controlled motivation on attitudes, intentions, and conservation behaviors. Furthermore, the research assesses the influence of knowledge disseminated through Ant Forest Technology on users' intentions and behavior toward conservation behaviors. The study utilized the partial least square structural equation modeling in its analysis. Findings reveal that both motivational factors and knowledge significantly shape users' engagement in conservation behaviors activities through perceived ease of use and usefulness. These insights contribute to the development of effective policies and interventions aimed at harnessing Ant Forest Technology as a powerful tool for fostering widespread environmental conservation behaviors.

Study of Residents’ Ongoing Behavioural Intentions for Regular Bus Travel

With the emergence of novel transportation trends, regular buses have experienced a significant decline in passenger numbers. Consequently, it becomes imperative to conduct studies on passengers’ intentions. This particular investigation employed a meticulously designed survey questionnaire to gather data, and developed a new model that integrates the theory of planned behaviour, technology acceptance model and expectation confirmation theory. The primary aim was to explore the key factors that influence residents’ ongoing behavioural intentions towards regular public bus travel. Furthermore, a gender-based multi-group analysis was conducted to investigate the impact mechanism of gender differences on ongoing behavioural intentions. The new model demonstrates various degrees of positive or negative influences among the variables, thereby confirming its universal applicability. Moreover, the multi-group analysis reveals that compared to gender, travel satisfaction has a stronger impact on women’s intentions, while travel attitude has a stronger impact on men’s intentions to travel by certain mean of transport. Simultaneously, perceived behavioural control does not significantly affect persistent intention for women but has a significant positive impact on persistent intention for men. Furthermore, perceived ease of use does not significantly impact perceived usefulness for women but has a significant positive effect on perceived usefulness for men. These research findings bear great significance in promoting environmentally-friendly travel practices.

Effect of Digital Banking on Financial Performance of Micro and Small Enterprises in Nairobi County, Kenya

The financial performance of MSEs is critical to the performance of the economy since MSEs are some of the best supporters of the government through employment. In recent years banks have developed innovative products and offered a wide range of services to improve their performance, which is the ultimate goal of banks (Mugodo, 2016). Digital banking has several benefits to financial services users such as micro and small enterprises and digital banking providers. The general objective of the study is to establish the effect of digital banking on the financial performance of micro and small enterprises in Nairobi County, Kenya. The specific objectives of the study are to determine the effect of digital payments on the financial performance of micro and small enterprises in Nairobi County, to establish the influence of digital credit on the financial performance of micro and small enterprises in Nairobi County, and to establish the influence of digital savings on the financial performance of micro and small enterprises in Nairobi County, Kenya. The study was guided by the theory of financial innovations, the technology acceptance model theory, and the diffusion of Innovation Theory. This study employed an explanatory research design. The target population is comprised of retail traders/managers in the micro and small enterprises in Nairobi County. For purposes of this study, the population was MSEs, which conduct their business in Nairobi County. From the target population of 10,079 retail traders, Fishers et al (2007) formula was used to pick a sample of 384 retail traders as the sample of the study. The study utilized a semi-structured questionnaire to collect data from the respondents. Data was analyzed aided by descriptive statistics, including variability and central tendency measures of frequencies. The findings of the diagnostic tests revealed that there was no multi-collinearity among the independent variables (VIF=1.281), and the results of the normality test showed that the variables were normally distributed. The findings of the study were that there was a positive and significant relationship between digital payments and financial performance (β1=0.682, p=0.0000.05), there was also a positive and significant relationship between digital credits and financial performance of micro and small enterprises (β2=0.266, p=0.0030.05). There was also a positive and significant relationship with the financial performance of micro and small enterprises in Nairobi County (β3=0.488, p=0.0070.05). The study concluded that digital payments, digital savings, and digital credits had a positive and significant effect on the performance of micro and small enterprises in Nairobi County. The study recommends that more needs to be done in terms of application security due to the risk of cyber-attacks and fraud. Institutions should invest more in research to ensure that their applications used by customers are safe to prevent cyber-attacks and fraud. The study also recommends that MSE’s need to maintain a good record of credit and improve on their saving to access more credit through digital credit applications.

Identity in the Digital Age: An Investigation of Malaysian Perspectives on Technology and Privacy

Malaysia is in the process of developing a new identity system to provide citizens and residents with secure and efficient access to digital services. This study aimed to determine the responsiveness of the Malaysian population to new technologies and evaluate their opinions on managing their identity online. The study employed a quantitative research design and collected data through an online questionnaire. A total of 1,014 participants from Malaysia, aged 18 years and above, were included in the study, and the data were analysed using cross-tabulation analysis. The theoretical framework of the study was based on the technology acceptance model, the risk and negative consequences theory of individuals' perceptions, and the organizational trustworthiness theory. The results showed that various demographic characteristics influence individuals' attitudes towards technology adoption and online identity management. Gender, age, ethnicity/race, work status, employment sector, level of education, place of living, household income level, and residence state were all significantly associated with early adoption of emerging technologies, trying out new technologies, and enjoyment of trying out new technologies. Certain demographic factors may also have an impact on people's preferences for specific identity management tools. The study also found significant relationships between various demographic factors and trust levels when it comes to personal data. The study findings have implications for policymakers and practitioners involved in promoting the adoption of new technologies and the management of online identities. The study's findings may assist policymakers in implementing better measures for protecting Malaysians' online identity and privacy. Additionally, the results could also inform future research investigating technology adoption and acceptance among Malaysians.

The Influence of Digital Literacy on Intention to Use QRIS by Using TAM as the Cashless Paying Method on MSME in Samarinda Seberang District

This research was conducted to measure the influence of digital literacy with an intention to use QRIS by utilizing TAM (technology acceptance model) as supporting technology. The object of this research is the MSMEs of Samarinda Seberang District in East Kalimantan. Data collection was carried out through a self-filled questionnaire with a closed statement structure to confirm various information and concepts that explain the intention of using QRIS in MSMEs among MSME actors in Samarinda District, Samarinda. A total of 120 responses were used in this study. Based on the results of the analysis, it can be concluded that perceived usefulness (X1) significantly impacts intention to use (Y); perceived ease of use (X2) significantly impacts on intention to use (Y); perceived usefulness (X1) significantly impacts on perceived ease of use (X2); and Digital Literacy (X3) significantly impacts on intention to use (Y). This means that the intention to use QRIS as a payment application can be created through the perceived benefits, convenience created, and understanding of digital literacy owned by MSME members in Samarinda Seberang District. In summary, the findings of this investigation lend credence to the TAM theory which has been tested by previous researchers.
 Keywords: digital literacy, perceived ease to use, perceived usefulness, intention to use, TAM, MSME

Behavioral Intention of Chinese College Students Use Social Media to Improve English Speaking Skills: Based on the Technology Acceptance Model and Self-Determination Theory

Behavioral Intention of Chinese College Students Use Social Media to Improve English Speaking Skills: Based on the Technology Acceptance Model and Self-Determination Theory

Research o n the Role o f the Attitud es o f Vietnamese C onsumers Towards their Intentions to Use Mobile Money

Purpose: The research was conducted to determine the role of the attitudes of Vietnamese consumers towards the intention to use mobile money to make recommendations for solutions to improve the effectiveness of this activity. Design/methodology/approach: It analyzed 307 surveys from consumers living and working in Vietnam. A research model was built that was based on the theory of technology acceptance model (TAM) and the theory of planned behavior (TPB). The author considered six constructs, including self-efficacy, perceived ease-of-use, technology anxiety, perceived usefulness, attitude toward mobile money, and intention to use mobile money. The data is analyzed with a partial least squares structural equation model (PLS-SEM) using SmartPLS 3.0 software. Findings: The r esult indicated that s elf-efficacy (SE) sig nificantly a nd d irectly a ffects t he p erceived e ase of u se (PEOU), indirectly affects the attitude toward mobile money (AT), and intention to use mobile money of Vietnamese consumers (IU). The PEOU and perceived usefulness (PU) significantly and directly affect the AT, and indirectly affect IU. In contrast, technology anxiety (TA) showed no effect on the PU. In addition, the AT has a strong effect on the IU. Research limitations/implications: This paper presents significant implications, particularly for the digital economy, which is currently permeating every facet of human existence. The article also suggested future research directions, including expand the scope of the research, the sample size, and the addition of other factors to supplement and complete the model. Originality/value: The article closes a perceived gap in the mobile money literature by using model measurement to demonstrate the mobile money intention of Vietnamese consumers.

Exploring the Impact of AI in Language Education: Vietnamese EFL Teachers’ Views on Using ChatGPT for Fairy Tale Retelling Tasks

This study investigated the perceptions of Vietnamese tertiary-level English as a Foreign Language (EFL) teachers regarding the use of ChatGPT, an advanced artificial intelligence (AI) language model, in students’ fairy tale retelling writing tasks. Employing a qualitative methodology, the research involved semi-structured interviews with nine EFL teachers from two Vietnamese institutions representing a range of teaching experiences: novice, mid-career, and near-end-career. The technology acceptance model (TAM) and constructivist learning theory (CLT) framed the study, providing a dual perspective on technology integration in language education. The thematic analysis revealed a spectrum of challenges and opportunities in integrating ChatGPT into language teaching. Key challenges include concerns about over-reliance on AI, cultural and contextual misalignments, integration with existing teaching methods, language accuracy issues, impact on creativity, technical barriers, and ethical considerations. Conversely, opportunities identified encompass enhanced student engagement, personalized learning, professional development for teachers, improvement in language proficiency, reduction in teacher workload, encouragement of technological adoption, and fostering of critical thinking and creativity. The study suggests a need for balanced AI integration in language education, emphasizing personalized, interactive learning experiences and professional development for teachers.

The impact of digital learning and capacity building on employees’ performance in humanitarian organizations

ABSTRACT Digital learning has arguably enhanced capacity building by strengthening tech-knowledge resilience among employees. However, there are no empirical studies examining path analysis between digital learning, capacity building, and employees’ performance across multinational and cultural diversities in developing countries. We investigate these path relationships using 135 responses collected from a self-administered survey. We used Structural Equation Modeling techniques, alongside the Technology Acceptance Model and human resource development theory, to explain employees’ attitudes towards adopting digital learning initiatives as a tool to augment performance. The results shows partial mediation between digital technology and employee performance. We propose adopting digital learning initiatives in the workplace to boost systematic and integrated capacity building to enhance performance.

Do Islamic Fintech Leadership and Technology Adoption Predict Sustainable Entrepreneurship Values among Fintech Organizations?

The primary objectives of this paper are to examine if Islamic Fintech leadership (IFL) and technology adoption (TA) can predict Sustainable Entrepreneurship Values (SEV) among Malaysian Fintech organizations. A survey was self-administered to 294 organisations involved in payment, e-wallet, prop-tech, digital bank, blockchain, cryptocurrency, remittance, AI/data, marketplace, crowdfunding, insurtech, wealthtech, Know Your Customer (KYC), and reg-tech services offerings. Partial Least Square Structural Equation Modelling is used to analyze 121 responses. The results show that IFL has a positive and significant relationship with SEV. TA, however, does not moderate the relationship between IFL and SEV. This paper contributed to developing the extended Technology Acceptance Model and Resource-Based Theory. The SEV model explains the leadership concern for socio-economy, environment, and values by creating a game changer for Islamic digital transformation that enables micro and small enterprises to access faster socio-economic well-being and financial health.

Predicting restaurants’ surplus food platform continuance: Insights from the combined use of PLS-SEM and NCA and predictive model comparisons

Surplus or anti-food waste platforms have emerged as opportunities for restaurants to sell their daily surplus food. However, restaurants' commitment to these platforms often diminishes over time, which can result in discontinuance. Hence, it is necessary to explain and predict restaurant surplus food platform continuance intentions. For this purpose, we propose a model that integrates the technology acceptance model (TAM) and self-determination theory. We assessed our model by jointly applying partial least squares structural equation modeling (PLS-SEM) and necessary condition analysis (NCA) to analyze data from 214 restaurants using surplus food platforms. The findings indicate that perceived ease of use, economic motivation, and environmental motivation are significant determinants of and necessary conditions for continuance intention. Moreover, model comparisons using BIC, Akaike weights, and CVPAT highlighted that our model's predictive accuracy was higher than that of alternative models based solely on the TAM.

The Study of Users’ Satisfaction and Acceptance on Artificial Intelligence (AI)

The rise of ChatGPT in recent years has garnered significant attention, prompting widespread interest in the rapid global popularity of this AI technology. Conducting research on this topic would be quite intriguing. The objective of this study was to ascertain the satisfaction and acceptance levels of users of AI robots. This study presents an analysis of the technology acceptance model theory, which enables the prediction of users' intentions and behaviors. The methodology employed in this study involves the utilization of a SWOT analysis framework, which encompasses the identification and evaluation of strengths, weaknesses, opportunities, and threats. The tool has the capability to discern the internal and external factors that impact an organization. The outcome of the investigation will lead to enhancements in the capabilities of ChatGPT, thereby increasing its adoption as a daily tool and enhancing the long-term user experience. This study provides a substantial addition to the field of business, specifically within the domain of artificial intelligence (AI), hence serving as a valuable reference for forthcoming market objectives and strategies.

Determinants of behavioral intentions to use an E-Pharmacy service: Insights from TAM theory and the moderating influence of technological literacy

BackgroundThe growing significance of E-Pharmacy services in healthcare necessitates investigating the factors influencing users' behavioral intentions on these platforms. Comprehending these variables is imperative to maximize service provision, elevate customer satisfaction, and ultimately elevate healthcare accessibility and results. Objective(s)The main goal of this study is to explore the factors that shape consumers' inclination to use E-Pharmacy services, focusing on the framework provided by the Technology Acceptance Model. Additionally, we aimed to investigate how technological literacy plays a moderating role in this context, specifically within the South African setting. MethodsUsing a sample of 480 South African clients, the Technology Acceptance Model (TAM) and partial least squares structural equation modeling (PLS-SEM) were used to investigate the factors influencing behavioral intention to use E-Pharmacy services. ResultsThe findings underscore perceived usefulness, trust, performance expectancy, and social Influence as fundamental drivers influencing users' intentions to adopt E-Pharmacy systems. Additionally, the study shows that consumers' intention to use E-Pharmacy services is significantly and favorably affected by their desire to utilize such services. This suggests that individuals are more likely to act on positive intentions when they are interested in using E-Pharmacy platforms. Intriguingly, technological literacy has emerged as a moderating factor in the relationship between the intention to use and the actual behavior of utilizing E-Pharmacy platforms. This demonstrates the importance of consumers' technical knowledge and skills in bridging the intention-behavior gap and highlights the necessity of adapting treatments and instructional strategies to account for various levels of technological literacy. ConclusionThis study provides valuable insights into the complex relationships between factors influencing the acceptance of E-Pharmacy services in South Africa. This knowledge can have practical implications for lawmakers, developers of E-Pharmacy platforms, and healthcare professionals who aim to enhance user acceptance and utilization.