Unraveling the Determinants of Platform Economy Adoption in Developing Countries: An Extended Application of the UTAUT2 Model with a Privacy Calculus Perspective DOI Creative Commons
Mounir Dahmani, Adel Ben Youssef

Platforms, Journal Year: 2023, Volume and Issue: 1(1), P. 34 - 52

Published: June 15, 2023

The platform economy has emerged as a transformative force in various industries, reshaping consumer behavior and the way businesses operate digital age. Understanding factors that influence adoption of these platforms is essential for their continued development widespread use. This study examines determinants economic Tunisia by extending widely used unified theory acceptance use technology 2 (UTAUT2) model with privacy calculus model. By applying partial least squares structural equation modeling (PLS-SEM) technique, research provides significant insight. results highlight critical such performance expectancy, habit formation, trust technology, perceived risk, concerns, price value on users’ behavioral intentions actual usage platforms. These findings provide deeper understanding dynamics surrounding developing countries offer valuable insight stakeholders. leveraging this knowledge, stakeholders can foster an inclusive ecosystem, drive growth, create environment conducive to countries.

Language: Английский

Adoption factors in digital lending services offered by FinTech lenders DOI Creative Commons
Jacek Adamek, Małgorzata Solarz

Oeconomia Copernicana, Journal Year: 2023, Volume and Issue: 14(1), P. 169 - 212

Published: March 25, 2023

Research background: Traditional financial institutions are facing new competitors ? FinTech lenders. The development of these entities and their services depends on many factors, including the level acceptance use by potential and/or current customers. This determines ability to create desired results defines set lenders? activities also environment aimed at shaping offer which meets consumers? expectations. limited number studies addressing identification assessment impact exerted adoption factors lending offered lenders lack such analyzes relating decisions made consumers from Central Eastern Europe argue for need conduct research. Purpose article: Identify driving digital in Poland. Methods: Critical analysis source literature, descriptive comparative analysis, diagnostic survey, econometric methods (PCA, SEM used TAM). Empirical data come surveys carried out May 2022 using CAWI method covering a representative sample 1,000 Poles. Findings & value added: study identified services, perceived trust, risk, usefulness health. It has been proven that ease innovation do not represent statistically significant constructs influencing accepted attitudes. adopted research model shows considerable power explain intention loans. article is first scientific this type discussing loan operating European market. presented example Poland being leader dynamically developing market provides background conducting international future.

Language: Английский

Citations

14
Mobile Commerce Adoption in Malaysia: A Conceptual Framework DOI Creative Commons
Moussa Barry,

AKM Ahasanul Haque,

Muhammad Tahir Jan

et al.

Open Journal of Economics and Commerce, Journal Year: 2024, Volume and Issue: 5(1), P. 04 - 12

Published: Jan. 1, 2024

Abstract The high acceptance of mobile commerce transactions among Malaysian consumers has become a major obstacle for providers. This study examines the adoption in Malaysia, focusing on influence information quality, system and service quality customers’ intention to use it. It highlights literature relationship between moderating effect perceived cost. DeLone McLean updated IS Success Model is basis proposed research model. suggests that providers should create user-friendly websites, provide comprehensive information, deliver high-quality services boost consumer acceptance. also cost commerce. contributes understanding provides insights Further recommended due its conceptual nature need empirical investigation. Keywords: Mobile Commerce, Acceptance, Intention, Cost, Malaysia. Impact Employee Compensation Benefits Operating Performance work licensed under Creative Commons Attribution-NonCommercial 4.0 International License. Copyright © Author(s) retain copyright this article.

Language: Английский

Citations

4
Which UTAUT Elements Drive Mobile Banking Adoption in Indonesia, Despite Security and Trust Concerns? DOI Creative Commons
Khaira Amalia Fachrudin, Syajarul Imna Mohd Amin, Siti Ngayesah Ab Hamid

et al.

Journal of Ecohumanism, Journal Year: 2025, Volume and Issue: 4(1)

Published: Jan. 15, 2025

Mobile banking is easier and more practical than traditional banking, but problems with cyber security trust exist. The purpose of this study was to investigate the factors that influence Indonesian consumers’ intention use mobile banking. This integrated unified theory acceptance technology model uses education level as a moderating variable. involved 482 participants who had used primary data obtained through structured questionnaire. Data analysis carried out using partial least squares structural equation modeling. results showed at significance 5%, performance expectancy, effort social system quality positive significant effect on Meanwhile, insignificant effect. Education able moderate only implication policymakers can create important strategies. In addition, government policies support sense for users.

Language: Английский

Citations

0
“Too Big to Fail”—Study on Indian Digital Banking Apps Service Quality: A Text Mining Approach DOI
Puneett Bhatnagr, Anupama Rajesh, Richa Misra

et al.

Lecture notes in electrical engineering, Journal Year: 2025, Volume and Issue: unknown, P. 397 - 409

Published: Jan. 1, 2025

Language: Английский

Citations

0
Service quality in mobile banking DOI
Nikolina Palamidovska-Sterjadovska, Tareq Rasul, Weng Marc Lim

et al.

International Journal of Bank Marketing, Journal Year: 2025, Volume and Issue: unknown

Published: March 12, 2025

Purpose The rise of mobile technologies has driven rapid growth in banking (m-banking), making service quality a central area inquiry for researchers and industry practitioners alike. Despite this focus, understanding m-banking remains fragmented. In regard, article endeavors to provide comprehensive, state-of-the-art overview m-banking. Design/methodology/approach Drawing on systematic review 71 studies, explores the concept through lens theories, constructs, contexts, methods (TCCM), revealing multifaceted nature its role Findings underscores pivotal steering customer-centric outcomes Introducing stimulus-organism-response (S-O-R) framework into discourse m-banking, reveals range quality-, system success-, user-based stimuli, affecting users’ attitude, brand attachment, flow, trust, thus shaping their intended actual behavior, including usage, satisfaction, loyalty, word-of-mouth. Further scrutiny opportunities renewed bridge identifiable gaps by harnessing mixed methods, exploring new probing demographic cross-cultural variations, forging instruments tailored evaluate contemporary quality. Originality/value This distinguishes itself providing comprehensive exploration TCCM. Unlike previous studies that often focus isolated aspects, integrates diverse perspectives offer holistic Employing S-O-R framework, not only maps pathways from stimuli user responses but also identifies critical promising directions.

Language: Английский

Citations

0
Perceived quality in Fintech services: expanding UTAUT2 and the Delone and McLean Information System Success Models DOI

Ahmed Chand,

Dunnan Liu, Muhammad Zulfiqar

et al.

Business Process Management Journal, Journal Year: 2025, Volume and Issue: unknown

Published: March 17, 2025

Purpose With 1.7bn people globally excluded from essential financial services, universal inclusion remains a critical challenge, impeding progress toward Sustainable Development Goal 8 on inclusive growth. Despite advances, Fintech’s potential is underutilized, particularly for small businesses in Pakistan’s informal sector that struggle to access formal services. This study investigates how Fintech solutions can help overcome these barriers, aiming promote and support sustainable economic growth underserved sectors. Design/methodology/approach The employs deductive approach, collecting data through questionnaires 389 respondents utilizing partial least squares-structural equation modeling empirically evaluate the proposed model. Findings finds performance expectancy, effort perceived trust, price value interface design quality positively influence behavioral intention use Fintech. Effort expectancy also impact actual of Behavioral intentions mediate relationship between variables use. moderating effects information quality, service system are significant. intention’s adoption strongest at high levels, significant or moderate only levels. Originality/value integrates “UTAUT2 Delone McLean IS Success Models” propose novel research framework, contributing debate two ways. It introduces an unknown dimension, namely quality. unveils previously unexplored (information quality) as variable moderates

Language: Английский

Citations

0
Behavioral Intention to Adopt Green Banking Technology: The Influence of UTAU and Environmental Concern Factors DOI

Sri Aulia Khalifa,

Mas Wahyu Wibowo

Published: March 8, 2025

Objectives: This study examines the influence of UTAUT and environmental concern on behavioral intention Green Banking Product adoption, focusing gender differences.Methodology: A survey was conducted using Google Forms with 129 respondents from BCA, BRI, BNI, Mandiri bank customers in Banten, DKI Jakarta, West Java, Central East Yogyakarta. The employs a correlational design cross-sectional data collection. Partial Least Squares Structural Equation Modeling (PLS-SEM) used for analysis.Findings: Results show that Facilitating Conditions Social Influence do not significantly impact intention. However, moderates relationship between Effort Expectancy Behavioral Intention, indicating differences male female respondents.Conclusion: Certain factors may directly intention, but plays key role adoption. These findings can help banks develop targeted strategies to encourage

Language: Английский

Citations

0
The Effect of Trust, Ease of Use, Perceived Usefulness, and Attitude on the Continuance Intention to Use Online Medical Consultations DOI
Guerra García, Stefany Galvez Alvarez, Pedro Bazo Quintana

et al.

Smart innovation, systems and technologies, Journal Year: 2025, Volume and Issue: unknown, P. 95 - 106

Published: Jan. 1, 2025

Language: Английский

Citations

0
Factors Affecting the Financial Performance of MSMEs in 3T (Frontier, Outermost, and Underdeveloped) Areas: The Moderating Role of Financial Literacy DOI Creative Commons

Michael Miran,

Lenny Leorina Evinita, Pricilia Joice Pesak

et al.

Society, Journal Year: 2025, Volume and Issue: 13(1), P. 350 - 368

Published: April 11, 2025

This study investigates the factors influencing financial performance of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia's 3T regions—lagging (tertinggal), frontier (terdepan), outermost (terluar)—with literacy positioned as a moderating variable. Despite playing crucial role driving local economic growth, MSMEs areas face persistent challenges such limited market access, inadequate infrastructure, shortage skilled human resources. The focuses on internal perspective factors, use accounting applications, marketplace platforms potential determinants performance. Using quantitative approach, survey was conducted among MSME actors Bitung City, designated area. data were analyzed using SmartPLS regression. findings indicate that applications alone do not significantly enhance without sufficient literacy. Conversely, utilization substantially improves by expanding reach boosting sales. Internal perspectives show influence unless supported training or external assistance. Although does statistically moderate relationships tested, practical experience emerges critical component. underscores importance combining digital tools, experiential learning, institutional support to strengthen remote underserved regions.

Language: Английский

Citations

0
Examining Cash Usage Behavior in Metropolitan Greater Jakarta Societies DOI Creative Commons
Saiful Bahri, Arif Imam Suroso,

Suhendi Suhendi

et al.

Societies, Journal Year: 2025, Volume and Issue: 15(5), P. 120 - 120

Published: April 28, 2025

Despite the rapid advancements in payment technologies, cash continues to play a significant role modern society. This phenomenon presents unique area of analysis, particularly within metropolitan societies such as those Jakarta Indonesia. The present study aimed investigate usage by analyzing two cases: (1) physical stores, and (2) intention continue use daily activities. To this end, analytical techniques were employed: logistic regression structural equation modeling (PLS-SEM). These implemented using data from 400 respondents residing area. results indicate preference for over digital payments transactions among proportion respondents. determinant analysis further identified several factors influencing including education, employment status, number bank accounts. Furthermore, attitudes toward behavior, subjective norms, satisfaction variables affecting Indonesian

Language: Английский

Citations

0