• The Journal of Asian Finance, Economics and Business
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• v.7 no.11
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• pp.789-800
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• 2020

This study aims to examine the effect of perceived usefulness (PU), perceived ease of use (PEU), trust (TR), subjective norm (SN), and attitude (AT) on customer's Intention to Adopt Internet Banking (IAIB) at Islamic banks and conventional banks before and during the Covid-19 pandemic in Indonesia. The research model is based on the Theory of Planned Behavior (TPB) and the Technology Acceptance Model (TAM). This study involves 213 respondents for Islamic banks and 410 respondents for conventional banks from 25 provinces in Indonesia. Data was analyzed using partial least square (PLS) regression with the Structural Equation Model (SEM) method. The result of data analysis confirms several hypotheses taken from the literature. The results before the Covid-19 pandemic showed that AT and SN influence IAIB in Islamic banks. Whereas in conventional banks, AT, PU, SN, and TR influence IAIB. While during the Covid-19 pandemic, it shows that the AT, PU, IB, SN, and customer TR influence IAIB in Islamic banks and conventional banks. From the analysis, it was found that the PEU variable did not have a significant effect on the intention of customers of Islamic banks and conventional banks to use Internet banking.

• The Journal of Information Systems
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• v.17 no.3
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• pp.111-134
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• 2008

As students can purchase textbooks online or from local bookstores, we proposed a model to study the predictors of textbook purchasing from online bookstores based on the theory of reasoned action (TRA) and technology acceptance model (TAM). The survey instrument consisted of 51 items to assess 10 constructs of the proposed model, where the items used to measure the constructs were adapted from previous literature. Pre-testing and pilot testing of the measures were conducted by selected users of online bookstores. Data were collected from 220 university students who have purchased and intend to purchase their textbooks from online bookstores. The findings of this research are summarized as follows. First, navigation, previous experience, and innovation have a significant impact on the buyer's perception of ease of use. Second, price and delivery services have a significant impact on the buyer's perception of usefulness. Third, the perception of ease of use also has a significant impact on the buyer's perception of usefulness. Fourth, the perception of ease of use, perception of usefulness, and subjective norms all significantly support the purchasing intention in the case of online bookstores.

• Asia pacific journal of information systems
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• v.12 no.3
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• pp.45-70
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• 2002

This paper examines the role of distance learning self-efficacy, belief in one's capabilities of using a system in the accomplishment of web-based distance learning, in predicting user intention to use and performance of distance learning system. It used self-efficacy theory and technology acceptance model(TAM) to build a model that predicts relationships between antecedents to students' distance learning self-efficacy assessments and their behavioral and attitudinal consequences. The model was tested using LISREL analysis on the sample of 250 students who have worked with the Distance Learning System. The results indicated partial support for the conceptual model. In accordance with TAM, perceived usefulness had strong direct effects on intention to use and performance, while perceived ease of use had both direct and indirect effects on intention to use, but not performance. Distance learning self-efficacy had only direct effect on perceived ease of use to use. Computer experience was found to have a strong positive effect on distance learning self-efficacy, and computer anxiety had a negative effect on distance learning self-efficacy. Implications of these findings are discussed for researchers and practitioners.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.10
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• pp.885-896
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• 2020

The purpose of this study is to shed light on the driving motivations of contributing social word of mouth on social networking sites (sWOM) toward both tangible and intangible products. In order to develop a research model, this study adopts the motivation theory and TAM model. Data was collected from 904 members of the cosmetic and restaurant communities by using the snowball method. After assessing the validity of all constructs, the structural equation modeling (SEM) is used to test the proposed hypotheses. Results show that personal motivations (satisfaction, opinion leadership, self-enhancement, and economic incentives) and characteristics of sWOM (Perceived Usefulness and Ease of Use) have positive effect on exposure and engagement behaviors. Here are our specific findings, (1) customer satisfaction positively affects online interactions on SNSs such as Like or Sharing a content; (2) sWOM contribution behavior exists in two structures (Exposure and Engagement) and affects each other; (3) This study combines two groups of personal motivation and TAM to conceptualize a research model; and (4) The motivations of contributing sWOM between a specified service and product are rather similar. These findings help digital managers to understand consumers' behavioral contributions on SNSs and also provide interesting insights for marketers.

• The Journal of Asian Finance, Economics and Business
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• v.9 no.9
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• pp.75-91
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• 2022

This study assesses the Internet banking adoption tendency by existing bank customers of Bangladesh. Currently, almost all the leading banks in the country have implemented Internet banking platforms. However, the active user count remains relatively low and there hasn't been any conclusive research on the drivers and inhibitors of Internet banking. This study evaluates the reasons and quantitatively establishes the factors leading to the adoption and usage continuance of internet banking by existing bank customers. Responses from 460 bank account holders were collected via online questionnaires using a purposive sampling approach, and a core conceptual framework based on Technology Acceptance Model (TAM) and Technology Readiness Index (TRI) was used. The study concluded that internet banking adoption is significantly impacted by the ease of use, customer service, and technology familiarity. Similarly, customer satisfaction is affected by the perceived value and the perceived risk. Through regression analysis, it was found that usage continuance is 89% explained by adoption and customer satisfaction. Multi-group moderation showed significant impact by groups divided based on usage frequency, income level, and age. Perceived risk weakened the impact of perceived value and technology familiarity on usage adoption. Additionally, perceived risk reduced the impact of consumer satisfaction and usage continuance.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.10 no.10
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• pp.4997-5013
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• 2016

This paper proposes and then verifies a model that can be used to forecast the effects of behavior on mobile advertising based on the Technology Acceptance Model (TAM) and Web Advertising Effect. The objective of this research is to probe the relationship between the cause and effect of the entertainment, informativeness, usefulness, capacity to accommodate smart-environment technologies, Hedonic Adaptation Model (HAM), etc. that mobile advertisements provide, as well as the attitudes toward advertisements in general. In order to accomplish this goal, the research was verified using Structural Equation Modeling (SEM), and the results are as follows. First, the informativeness of mobile advertising has a positive effect on the recognized ease of use. Second, the entertainment and informativeness of mobile advertising has positive effects on the recognized usefulness. Third, the recognized ease of use has a positive effect on the recognized usefulness. Fourth, the informativeness of mobile advertising causes a positive effect on smart-environment technologies. Fifth, the entertainment and informativeness of mobile advertising cause positive effects on the HAM. Sixth, smart-environment technologies cause positive effects on the HAM. Seventh, the recognized usefulness causes a positive effect on the value of mobile advertising and the intention of use. Eighth, the HAM has a positive effect on the value of mobile advertising and the general attitudes toward it. Ninth, the value of mobile advertising has a positive effect on the attitudes toward advertising. Tenth, the attitudes toward mobile advertising have a positive effect on the intention of use.

• Journal of Information Technology Services
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• v.12 no.4
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• pp.205-218
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• 2013

Recently, due to the proliferation of smartphones, users of mobile banking services which are based in wireless Internet without constraint of the time and places are significantly increased. In the study, considering the characteristics of mobile banking services based on the smartphone and the user behavior. we analyse the factors which have an effect on the behavioral intention to use mobile banking services based on the smartphone. For this purpose, we use the model which is based on Technology Acceptance Model (TAM) and add two constructs:the perceived enjoyment and the perceived risk. A survey data for 194 students at the K cyber university is used for statistical analysis. As a result, the perceived ease of use affects the perceived usefulness and the perceived enjoyment, and the perceived ease of use. And the perceived usefulness and perceived enjoyment affect continuous intention to use. On the other hand, the hypothesis which the perceived risk would affect adversely the continuous intention to use is rejected. Through this study, we expect to provide the useful implications for the smartphone banking services and contribute to the development of strategy for them.

• Journal of Digital Convergence
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• v.18 no.4
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• pp.149-161
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• 2020

This paper aims to explore the question of whether the environment in Korea where credit card use is prevalent affects the intention to accept Fintech-based mobile payment. The institution that encourages the credit card use such as credit card receipt obligation may lead to the lock-in and build infrastructures to influence the acceptance of new payment acceptance. This paper investigates how the perceived of use, usefulness, accessibility and stability affect the intention to use mobile payment based on the Technology Acceptance Model(TAM) model with the mediator of lock-in and moderator of credit card receipt obligation. In the results, we found that the perceived usefulness, perceived ease of use and accessibility positively impact on the intention of mobile payment usages. It is also observed that the usefulness and accessibility of credit cards positively mediate to the intention of mobile payment use.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.10
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• pp.385-393
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• 2021

In an effort to find ways to increase the effectiveness of online education, literature and empirical study based on the Technology Acceptance Model (TAM) have addressed a variety of questions, including perceived ease of use (PEU) and perceived usefulness (PU). After TAM, extensive studies have focused on the impact of extrinsic factors on PEU and PU, including Self-efficacy and Perceived Risk. This study aims to analyze the direct, indirect, and moderating effects of Self-efficacy and Perceived Risk on Online Learning Intention (OLI). Data was collected through a survey method from 472 students studying at universities in Vietnam. The collected data was analyzed using the PLS-SEM technique to test the hypotheses. The findings reveal that Technology Self-Efficacy influences the intention to take online courses both directly and indirectly through Perceived Ease of Use and Perceived Usefulness. Besides, Perceived Risk COVID-19 also has a positive effect on online learning intention, and plays a role as a moderating variable on the impact of PU on OLI. These findings suggest that students will have a stronger intention to study online when they are confident in their ability to use technology. When they believe in their ability to use technology, their online learning intention will also increase.

• The Journal of Information Systems
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• v.22 no.3
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• pp.1-24
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• 2013

SNS(Social Network Services) is being recognized as an important part in our society, individual lives and corporate business aspects, and the influence of SNS is growing explosively as expansion and supply of infrastructures that support mobile environments increase. Previous studies related to SNS were focused on user acceptance of new technology, based on Technology Acceptance Model(TAM). However, they had a limitation to focus on technology acceptance, without the consideration of personal and behavioral factors in SNS use. However, above all, successful SNS requires the understanding of users who are active on the network. Therefore, from the user's perspective, this study attempted a multi-dimensional approach by reflecting characteristics that come from SNS usage. This study considered user innovation, virtual skill, self-efficacy, social pressure and network effect as independent variables, and perceived ease-of-use, perceived usefulness and perceived value as mediating variables, and intention-to-use as dependent variable. The result showed that user innovation, self-efficacy, social pressure and network effect had a significant effect on the mediating variables. The practical contribution of this study is to suggest useful decision alternatives concerned to marketing strategy for acquiring and retaining lone-term customers related to SNS business.