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Background: In the wake of the coronavirus disease-19 (COVID-19) pandemic, research on the difficulties faced by epidemiologists conducting epidemiological investigations has been progressing steadily. However, few studies have developed applications (apps) that can directly support epidemiological investigations via information and communication (ICT) technology, and conducted usability evaluations on them via user responses. This has caused difficulties when developing such technologies. We introduced and evaluated two mobile apps that support epidemiological investigations. This study attempted to identify the predictors affecting the acceptance of infectious disease self-management apps. Methods: We developed two infectious disease self-management smartphone apps for epidemiological investigations: KODARI (the Korean version) and MEDARI (in English version). We collected data from 248 users of KODARI by surveying Korean citizens. This study was conducted from November 15 to December 14, 2022. We used multiple regression analysis to identify the variables that affected continuous intention to use the KODARI app. We conducted two independent-samples t-tests to determine whether there were any differences in the perception of each variable in relation to demographic and COVID-19-related user characteristics. Results: The factors that affected continuous intention to use the KODARI app, in order of relative importance, were: price value, satisfaction, performance expectancy, and facilitating conditions. Overall, male participants were more satisfied with the KODARI app than female ones, and more willing to continue using it. The male participants also evaluated facilitating conditions more positively than the female ones did. Married participants rated the app higher than single ones in terms of price value, performance expectancy, and continued intention to use. Conclusions: The study suggests factors that increase the use of health apps and suggests that use of these apps may increase further in the event of a future pandemics. These results are expected to help researchers study other infectious disease apps in the context of public health surveillance. [ABSTRACT FROM AUTHOR]

Privacy concerns and trust have recently been proposed as crucial issues in consumers' adoption of online services. Therefore, we have used an extended theory of planned behavior (TPB) to investigate how privacy concerns and trust influence consumers' attitudes toward the Buy Now, Pay Later (BNPL). We also examined the mediated role of trust in the relationship between privacy concerns and attitude. An online survey was conducted among Indian undergraduate and postgraduate students, as BNPL is most popular among young consumers. We found that privacy concerns decrease consumers' trust and attitude towards BNPL. Specifically, attitude, subjective norms, and perceived behavior emerged as significant predictors for consumers' intention to use BNPL. A complementary partial mediating role of trust in the relationship between privacy concern and attitude was discovered. That implies that users apprehensive about their data's security are less likely to trust that the provider will safeguard their information. However, by increasing trust, users' privacy concerns can be reduced in BNPL services. [ABSTRACT FROM AUTHOR]

This study aimed to investigate the current status and workload of telenursing by home healthcare nurses in the post-COVID-19 era, where telenursing has become indispensable, and identify factors that influence the intention to use telenursing. This study employed a cross-sectional descriptive approach based on an online survey. A total of 137 active home care nurses were surveyed for over 6 weeks starting in December 2022. Among the participants, 33.8% (N = 44) responded that they were currently using telenursing services. Most telenursing was conducted for consultation and education, using various technologies. The intention to use telenursing was significantly higher among individuals with higher educational levels and telenursing experience. The greater the social influence, which indicates the extent to which people around them believe that telenursing should be used, and more positive the attitudes toward telenursing, the higher the intention to use it. A clear definition of telenursing is required to improve people's understanding of telenursing before its official implementation in Korea. Telenursing may be used to provide health care education and consultation while maintaining the continuity of care not only for patients receiving home health care but also for community-dwelling patients. To recognize and evaluate current telenursing practices, telenursing content should be recorded accurately. Finally, attitudes toward telenursing and social influence must be considered when developing strategies to improve nurses' intentions to use and activate telenursing in the near future. [ABSTRACT FROM AUTHOR]

This study aims to address the need for design guidelines in developing a cultural-heritage-based metaverse educational system. Using the UTAUT, the TTF model, and Flow Theory, a theoretical framework is constructed. Through qualitative research based on the GT, three user perception factors—presence, interactivity, and narrativity—are introduced as external variables to explore the relationship between these factors and users' willingness to adopt the cultural heritage metaverse system. The study examines this relationship from the dual perspectives of user perception and technology acceptance. A scale was designed to test the theoretical model empirically, and 298 valid responses were collected through a structured process involving GT coding, pre-testing, and formal surveys. The findings indicate that interactivity, narrativity, and presence significantly enhance the flow experience, while factors such as performance expectancy, effort expectancy, social influence, facilitating conditions, technology–task fit, and flow positively influence users' intention to adopt the system. Among these, technology–task fit emerged as the most influential factor. This integrated approach reduces subjectivity and bias in criteria determination, enhancing the objectivity and precision of cultural heritage metaverse system assessments and making the system more responsive to user needs. [ABSTRACT FROM AUTHOR]

This study aims to discover the factors that influence the acceptance of electronic learning media and its effect on the effectiveness of digital instruction. The study involved a learning management system and online tutorials using management system (MS) teams from various faculties at the Universitas Terbuka. These include the Faculty of Economics and Business, the Faculty of Teacher Training and Education, the Faculty of Science and Technology, and the Faculty of Law, Social Sciences, and Political Sciences. also conducted in three regional offices in Ambon, Gorontalo and Makassar, which were selected through purposive sampling. Primary data sources include participant questionnaires and interviews. Analytical methods include correlation and multiple regression analysis, with descriptive statistics used to summarize the dataset. Variable selection involves reliability and validity tests and classical assumption tests like multicollinearity. The F-test demonstrates a statistically significant and beneficial influence of utilizing e-learning media and individual ability, training, and intention to use it for digital learning success. The results of ttests and regression models provide empirical evidence supporting the significant effect of e-learning media and intention to use on the effectiveness of digital learning. However, variables related to training and ability do not show any significant influence. [ABSTRACT FROM AUTHOR]

We replicated and extended previous research to investigate the extent to which perceived ease of use and perceived usefulness account for variation in overall experience, likelihood to recommend, intention to use, and reported usage in a three-month follow-up. Consistent with previous research, we found little effect on structural equation models from varying three measures of perceived ease and two measures of perceived usefulness. All models had statistically significant standardized estimates and squared multiple correlations and had acceptable fit statistics. Despite these manipulations, the models supported a consistent narrative. Both perceived ease and perceived usefulness are important antecedents that either directly or indirectly affect the experiential and intentional outcomes (perceived usefulness somewhat more than perceived ease), with intention to use accounting for 19% of variation in follow-up ratings of usage. These models support UX practitioners by demonstrating the importance of work that improves perceptions of product ease and usefulness and showing that the two-item UX-Lite questionnaire is an effective and efficient measure of perceived ease and usefulness. [ABSTRACT FROM AUTHOR]

By incorporating the trust variable as a mediator in the relationship between perceived ease of use and perceived usefulness of using digital banking services on intention to use digital banking services and location—research in the special region of Yogyakarta—this study aims to analyze banking customers’ tendencies to use digital banking services using the technology acceptance model (TAM) theoretical approach. This research’s type and source of data is quantitative with primary data. Questionnaires were distributed as part of a survey procedure to collect data for this study. Using sample data from 208 respondents and the structural equation model (SEM) analysis tool, he concluded that while users’ perceptions of the usefulness and ease of use of digital banking services have no bearing on each other, their perceptions of the ease of use of these services has a significant impact on their trust in them. It has a significant impact on user trust in digital banking services, which in turn has a significant impact on users’ intention to use digital banking services; perceived ease of use of digital banking services has no significant impact on users’ intention to use digital banking services; on the other hand, perceived usefulness of digital banking services has a significant impact on users’ intention to use digital banking services; trust in digital banking services mediates the relationship between users’ intention to use digital banking services and perceived ease of use of digital banking services. [ABSTRACT FROM AUTHOR]

The integration of shared and autonomous mobility has led to the emergence of shared autonomous vehicles with ride-sharing services (SAVWRS), which have the potential to significantly reduce private car usage and promote sustainable transportation. Despite numerous studies on this topic, there is still no research examining the impact of all dimensions of perceived risk theory on usage intention. Therefore, we aim to investigate these relationships and gain deeper insights by examining the mediating effect of trust and the moderating effect of generation (Millennials vs. Baby Boomers) to address potential disparities across generations. To gather insights, we design an online survey that was completed by a random sample of 723 individuals in 2021. The estimation results of the structural equation model reveal that all perceived risk dimensions (social, performance, time, physical, security, and financial risks, in descending order) are negatively related to consumers’ intention. Additionally, trust fully mediates the relationships between performance, physical, financial, and security risks and usage intention, whereas it partially mediates the relationships between social and time risks and the intention to use. Furthermore, moderation analysis revealed that Millennials are less concerned about most dimensions of perceived risk theory, except for social and time risks. In conclusion, our study contributes to a deeper understanding of the complex relationships between perceived risk dimensions, trust, and usage intention in SAVWRS. Our findings suggest that policymakers and industry stakeholders should consider strategies to address these concerns to promote widespread acceptance of SAVWRS. [ABSTRACT FROM AUTHOR]

Different employee backgrounds cause differences in their readiness to use AI. One of the important factors that causes doubts among potential AI users is data security. This research focuses on the application of AI technology in corporate environments in Indonesia, with the aim of understanding the attitudes of potential AI users and the factors that influence their intention to use this technology. This study aims to determine the application of AI technology in daily work from the perspective of prospective AI users. The 100 prospective AI users who were sampled in the study were employees from various levels in several fields of the company. The data processing technique uses regression tests for quantitative data which are complemented by thematic analysis for qualitative data. The results of the regression test show that attitude has a considerable influence on the intention to use AI. [ABSTRACT FROM AUTHOR]

In recent times, the usage of cryptocurrencies has become remarkably widespread in e-commerce applications. This study aims to explain the factors affecting cryptocurrencies by proposing an extended technology acceptance model (TAM) consisting of perceived ease of use, perceived usefulness, trust, social influence, social support, religious belief, and intention to use. A web-based survey was conducted to collect data from individuals who had never previously used cryptocurrencies and data were analyzed via employing partial least square structural equation modelling (PLS-SEM) with SmartPLS software. According to the results, the relationships based on early TAM were validated. Additionally, trust, social influence, and social support have direct effects on the intention to use. Contrary to expectations, religious belief has no influence on trust and intention to use. This study could draw the attention of researchers, developers, and marketers in cryptocurrency to understand the dynamics of potential customers. Findings of this study highlight the pressing need for policymakers in Turkiye to prioritize ease of use, perceived usefulness, and, most importantly, trust within the evolving landscape of cryptocurrency systems. [ABSTRACT FROM AUTHOR]

The integration of Digital Therapeutics (DTx) is profoundly transforming patients’ care management. Original combinations of IoT medical devices and related mobile applications resulting in DTx, may boost patients’ engagement and adherence to treatment regimens, resulting as ‘intelligent’ assistants in patients’ health recovery. In this paper we conducted a study among a sample of 507 participants by setting a prototype of DTx able to monitor respiratory-related diseases as a setting. Results demonstrated that individuals’ perceived product intelligence of such digital tools led to higher intention to use, through the effect of their Behavioural Activation System, that is, the psychological mechanism influencing their motivation towards engaging in rewarding and goal-directed behaviours. Moreover, individuals’ perceived anthropomorphism of these tools, in terms of individuals’ tendency attribute human-like characteristics or emotions to non-human entities such in these technological tools, increase such effect. [ABSTRACT FROM AUTHOR]

This study identifies the strategic determinants of intention to use m-payment and explores how the information and availability of a mobile payment service impact on the intention to use it from a holistic perspective. Specifically, it is studied the effect of perceived ease of use, perceived security, perceived usefulness, perceived compatibility, and subjective norms in a context where mobile payment was not yet available. The research model is empirically tested through a field experimental design with 437 potential users in Spain. The results show that perceived security, perceived usefulness, perceived compatibility, and subjective norms have a significant effect on the intention to use. Especially, subjective norms play a key role if the user has the opportunity to use the mobile payment and receive adequate information. This paper also provides implications to mobile payments industry and to theoretical field of technology adoption. According to the results, it is recommended that FinTechs and companies dedicated to the development of payment systems devote efforts to increasing the compatibility of these systems with users' lifestyles not only from a digital but also from a physical perspective. In addition, they should continue to look for ways to make users feel secure and see in this means of payment some utility that fits their needs. Finally, all these efforts must be transmitted to the consumer so that they can generate positive word-of-mouth among their acquaintances to encourage mobile payment adoption. [ABSTRACT FROM AUTHOR]

Metaverse is a concept that emerged with digital transformation. The acceleration of technological developments and the change in the way of doing business make it necessary for businesses to adapt to this change by adopting disruptive business models. Businesses need to recognize the metaverse market and understand consumer demands in the meta world to gain a competitive advantage. From a marketing perspective, understanding consumers' intention to use metaverse technologies and determining marketing strategies accordingly can provide valuable insights to businesses and help develop marketing strategies for metaverse. This study aims to investigate the impact of the Technology Acceptance Model (TAM) dimensions and social influence on the intention of consumers living in Turkey to use metaverse technologies. For this purpose, 201 people were surveyed and the data were tested with structural equation modeling. In the study, the Technology Acceptance Model (TAM) was used to determine the factors affecting the use of metaverse technologies. According to the research findings, perceived ease of use positively affects perceived usefulness and attitude towards metaverse. In addition, perceived usefulness positively affects attitude towards metaverse, while attitude towards metaverse and social influence positively affect intention to use metaverse technologies. It is aimed that the research findings will expand the metaverse marketing literature and guide marketing practitioners. [ABSTRACT FROM AUTHOR]

Autonomous vehicles (AVs) may benefit the health and safety of drivers across the driving lifespan, but perceptions of drivers are not known. Lived experiences of drivers exposed to AVs in combination with surveys, can more accurately reveal their perceptions. We quantified facilitators and barriers from data collected in older (N = 104) and younger drivers (N = 106). Perceptions were assessed via Autonomous Vehicle User Perception Survey (AVUPS) subscales (i.e., intention to use, barriers, well-being, and acceptance) pertaining to group exposure (simulator first [SF] or autonomous shuttle first [ASF]). We quantified the effects of group, time, and group × time interaction. Multiple linear regressions identified predictors (e.g., optimism, ease of use, life space, driving exposure, and driving difficulty, age, gender, race) of the AVUPS subscales. The regression analyses indicated that optimism and ease of use positively predicted intention to use, barriers, well-being, and the total acceptance score. Driving difficulty significantly predicted barriers, whereas miles driven negatively predicted well-being. The regression results indicated that predictors of user acceptance of AV technology included age, race, optimism, ease of use, with 33.6% of the variance in acceptance explained. The findings reveal foundational information about driver acceptance, intention to use, barriers, and well-being related to AVs. New knowledge pertains to how demographics, optimism, ease of use, life space, driving exposure, and driving difficulty inform AV acceptance. We provided strategies to inform city planners and other stakeholders on improving upon deployment practices of AVs. [ABSTRACT FROM AUTHOR]

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This study aims to examine the factors influencing customers' intention to use electronic banking (e-banking) in East Algeria. The proposed conceptual model is based on the Technology Acceptance Model (TAM) with its original postulates: perceived usefulness and perceived ease of use, which is extended to embrace some factors, including perceived risk, awareness, self-efficacy, social influence and resistance to change. The empirical data are collected from a questionnaire survey of 170 valid responses and analysed using the Partial Least-Squares Structural Equation Model (PLS-SEM) approach and Smart-PLS 4. The results show that bihavioural intention to use e-banking is influenced directly by perceived usefulness and ease of use and indirectly impacted by selfefficacy. [ABSTRACT FROM AUTHOR]

Environmental impact of modern-day transport has made citizens concerned about the footprint left by these innovations. Mobile application-based ride-hailing services recently emerged in developing countries are regarded as technology-based innovative products to meet the growing travel demand among commuters. Technology upgrades have allowed smartphone users to access the ride-hailing services apps with ease. Ride-hailing service entered the Pakistani market in the year 2016. Since then, the demand for these services has been on the rise. Therefore, this study aims to investigate which factors have a causal relationship with travelers' intention to use ride-hailing services in the backdrop of unified theory of acceptance and use of technology (UTAUT). Data were collected through questionnaire from 1,694 respondents at two time points. This study analyzes the hypothesized relationships with structural equation modeling in partial least square with SmartPLS 4. Results show that environmental citizenship and perceived convenience along with UTAUT constructs have a significant effect on intention to use ride-hailing applications in the long-run, indicating causal relationships. The study extends the UTAUT model with two antecedents of perceived convenience and environmental citizenship behavior. [ABSTRACT FROM AUTHOR]

In contemporary society, the widespread adoption of information and communication technologies has become integral to meeting daily needs. E-Government leverages these technologies to deliver efficient and secure services to citizens, particularly at the local government level. However, existing literature lacks comprehensive exploration into citizen preferences for utilizing e-government services, especially those offered by local governments. Addressing this gap, this study investigates citizen intentions to use e-government, focusing on the application system provided by local governments. Our research framework integrates three established models (UTAUT, TAM, and TPB) and employs empirical validation through a structured questionnaire. Data collection involved 97 respondents from diverse cities/regencies. Rigorous reliability and validity assessments were conducted on the questionnaire, with analysis performed using structural equation modeling (SEM). The findings underscore the significant influence of citizens' attitudes toward egovernment, shaped by factors such as effort expectancy, facilitating conditions, and perceived risk. Furthermore, a positive and significant relationship between attitude and Intention to use revealed. This research contributes to a deeper understanding of citizen behavior towards egovernment services, offering insights crucial for enhancing service delivery and citizen engagement at the local level. [ABSTRACT FROM AUTHOR]

Abstract Background In the wake of the coronavirus disease-19 (COVID-19) pandemic, research on the difficulties faced by epidemiologists conducting epidemiological investigations has been progressing steadily. However, few studies have developed applications (apps) that can directly support epidemiological investigations via information and communication (ICT) technology, and conducted usability evaluations on them via user responses. This has caused difficulties when developing such technologies. We introduced and evaluated two mobile apps that support epidemiological investigations. This study attempted to identify the predictors affecting the acceptance of infectious disease self-management apps. Methods We developed two infectious disease self-management smartphone apps for epidemiological investigations: KODARI (the Korean version) and MEDARI (in English version). We collected data from 248 users of KODARI by surveying Korean citizens. This study was conducted from November 15 to December 14, 2022. We used multiple regression analysis to identify the variables that affected continuous intention to use the KODARI app. We conducted two independent-samples t-tests to determine whether there were any differences in the perception of each variable in relation to demographic and COVID-19-related user characteristics. Results The factors that affected continuous intention to use the KODARI app, in order of relative importance, were: price value, satisfaction, performance expectancy, and facilitating conditions. Overall, male participants were more satisfied with the KODARI app than female ones, and more willing to continue using it. The male participants also evaluated facilitating conditions more positively than the female ones did. Married participants rated the app higher than single ones in terms of price value, performance expectancy, and continued intention to use. Conclusions The study suggests factors that increase the use of health apps and suggests that use of these apps may increase further in the event of a future pandemics. These results are expected to help researchers study other infectious disease apps in the context of public health surveillance.

Abstract The integration of shared and autonomous mobility has led to the emergence of shared autonomous vehicles with ride-sharing services (SAVWRS), which have the potential to significantly reduce private car usage and promote sustainable transportation. Despite numerous studies on this topic, there is still no research examining the impact of all dimensions of perceived risk theory on usage intention. Therefore, we aim to investigate these relationships and gain deeper insights by examining the mediating effect of trust and the moderating effect of generation (Millennials vs. Baby Boomers) to address potential disparities across generations. To gather insights, we design an online survey that was completed by a random sample of 723 individuals in 2021. The estimation results of the structural equation model reveal that all perceived risk dimensions (social, performance, time, physical, security, and financial risks, in descending order) are negatively related to consumers’ intention. Additionally, trust fully mediates the relationships between performance, physical, financial, and security risks and usage intention, whereas it partially mediates the relationships between social and time risks and the intention to use. Furthermore, moderation analysis revealed that Millennials are less concerned about most dimensions of perceived risk theory, except for social and time risks. In conclusion, our study contributes to a deeper understanding of the complex relationships between perceived risk dimensions, trust, and usage intention in SAVWRS. Our findings suggest that policymakers and industry stakeholders should consider strategies to address these concerns to promote widespread acceptance of SAVWRS.

Purpose – Integrating the theory of consumption value into the stimulus-organism-response framework, this study aims to analyse the influence of external and internal factors on the customers’ perceptions of utilitarian, hedonic, social and epistemic values as drivers of the overall perceived value and customers’ continuance use of mobile banking (m-banking). Design/methodology/approach – An online survey was conducted with 252 actual m-banking users, and the partial least squares structural equations modelling was applied to analyse the data. Findings – The results reveal that ubiquity and gamification positively influence the perceived usefulness and entertainment, that is the utilitarian and hedonic perceived values. Furthermore, users’ self-congruence and innovativeness affect subjective norms and novelty-seeking, representing social and epistemic values. Except for the hedonic value, each value element impacts the overall perceived value, which in turn incites clients’ intention to continue using m-banking services. Originality/value – By exploring the simultaneous effect of service-related and personal factors (stimuli) on different elements of perceived value (organism), this study contributes to the existing knowledge of consumption reactions (response) in the context of m-banking. The research of the Macedonian m-banking offers a closer insight into Western Balkan mobile commerce. Objetivo – Integrando la Teoría del Valor de Consumo (TCV) en el marco Estímulo-Organismo-Respuesta (S-O-R), este estudio pretende analizar la influencia de factores externos e internos en las percepciones de valor utilitario, hedónico, social y epistémico de los clientes, como impulsores del valor percibido global y del uso continuado del m-banking por parte de los clientes. Diseño/metodología/enfoque – Se realizó una encuesta en línea a 252 usuarios reales de banca móvil y se aplicó el modelo de ecuaciones estructurales por mínimos cuadrados parciales (PLS-SEM) para analizar los datos. Resultados – Los resultados revelan que la ubicuidad y la gamificación influyen positivamente en la utilidad y el entretenimiento percibidos, es decir, en los valores utilitarios y hedónicos percibidos. Además, la autocongruencia y la capacidad de innovación de los usuarios afectan a las normas subjetivas y a la búsqueda de novedades, que representan el valor social y epistémico. A excepción del valor hedónico, cada elemento de valor influye en el valor percibido global, que a su vez incita a los clientes a seguir utilizando los servicios de banca móvil. Originalidad – Al explorar el efecto simultáneo de factores personales y relacionados con el servicio (estímulos) sobre diferentes elementos del valor percibido (organismo), contribuimos al conocimiento existente sobre las reacciones de consumo (respuesta) en el contexto del m-banking. La investigación del m-banking macedonio ofrece una visión más cercana del comercio móvil de los Balcanes Occidentales. 目的 – 本研究将消费价值理论（TCV）纳入刺激-组织-反应（S-O-R）框架, 旨在分析外部和内部因素对客户感知功利价值、享乐价值、社会价值和认识价值的影响, 这些因素是客户整体感知价值和持续使用移动银行的驱动因素。 方法 – 对 252 名实际移动银行用户进行了在线调查, 并采用偏最小二乘法结构方程模型（PLS-SEM）分析数据。 研究结果 – 结果表明, 普遍性和游戏化对用户的有用性和娱乐性感知, 即功利性和享乐性感知价值有积极影响。此外, 用户的自我一致性和创新性也会影响主观规范和新奇寻求, 这代表了社会价值和认识价值。除享乐价值外, 每个价值要素都会影响整体感知价值, 进而激发客户继续使用移动银行服务的意愿。 独创性 – 通过探索服务相关因素和个人因素（刺激）对感知价值不同要素（有机体）的同时影响, 我们为现有的有关移动银行背景下消费反应（响应）的知识做出了贡献。通过对马其顿移动银行的研究, 我们可以更深入地了解西巴尔干移动商务。

Mental health challenges, accentuated by stress, are escalating in high-income countries, especially among adolescents and university students. Traditional mental health approaches face issues such as scalability and accessibility, making the emergence of digital tools crucial. However, adherence remains a challenge. This study examines the role of technology self-efficacy and digital alliance in influencing the acceptance of digital mental health tools among Singaporean university students. The results provide strong support for the role of digital alliance as a key factor impacting a student’s intention to use mental health tools, as well as technology self-efficacy and digital alliance as serial mediators of task-technology fit and intention to use, highlighting our ever-evolving relationship with technology.

The Islamic banking industry in Indonesia continues to grow, as evidenced by the presence of technology-based services. This study aims to test the application of the theory of plan behavior in explaining customer intention to use Islamic financial technology by adding gender variables as moderators. Primary data were collected from 298 Islamic fintech users through direct and online surveys. The sample was selected based on the purposive sampling technique. Using PLS MGA analysis, this study found that attitude, subjective norms, and perceived behavioral control positively affect the intention to use Islamic fintech, except for perceived behavioral control in the male gender. Using the MGA, Parametric, and Welch-Satterthwait tests, the study also revealed no significant difference between males and females in utilizing Islamic fintech. This study expands the understanding of psychological and social factors in adopting Islamic fintech. It also contributes to the literature by filling the research gap that has not considered gender moderation in adopting Islamic fintech.

Purpose: The growth of Smartphone applications has led to the development and transformation of business sector. The present work aimed to assess factors influencing the intention to use shopping applications.Method: A structural model was formulated for analyzing and testing the existing factors among shopping application users. The statistical population of the research comprised of the users of shopping applications in a public university in Iran. This study employed a questionnaire survey, which consisted of two sections. The first section included general demographic details of the target respondents, while the second section comprised 30 items to measure the constructs of our conceptual model. All items of constructs were adopted from previous literature. A total of 288 questionnaires provided usable data.Findings: The results revealed that factors such as Convenience, Perceived Ease of Use, Trust, and Perceived usefulness affect the intention to use shopping applications, while factors such as Perceived Innovativeness, Perceived Risk, Perceived Enjoyment, and Social Influence were found to be non-influential.Conclusion: This research was conducted based on a comprehensive review of the research literature and identification of influential constructs with the approach of creating an integrated model of factors affecting the intention to use shopping applications. Based on the research results, focusing on ease of use and creating the experience of perceived usefulness along with the use of tools that lead to the improvement of trust is critical for practitioners.

Virtual Reality (VR) has grown rapidly since the COVID-19 pandemic and continues to grow even after the pandemic is over. In the tourism industry, VR applications are often used in the tourism process to promote destinations and attract tourists to visit. Starting from the quality of VR applications, tourists will intend to use VR applications if these applications have good quality. For this reason, by assessing VR quality and incorporating it into TAM, this study aims to explore the adoption of VR applications in the tourism sector. This study included 400 VR users as participants. Using the partial least square structural equational model (PLS-SEM), a number of hypotheses were assessed. The findings demonstrate that VR quality significantly influences all TAM constructs, including attitude and intention to use. Then, attitude is significantly influenced by perceived usefulness and ease of use. Finally, the intention to use is significantly influenced by attitude. These results indicate that VR quality that is useful and easy to use will determine the adoption of VR applications in tourism. This paper advances both theory and practice by explaining the importance of VR quality and TAM in the adoption of VR applications in tourism.

Due to the coronavirus pandemic, electronic wallets have emerged as a preferred alternative to traditional payment methods, mitigating physical touch concerns. This research aims to investigate the effects of security, health, and other determinants on the intention of Generation X’s members living in Java Island, Indonesia, to adopt electronic wallets in the post-pandemic era. Addressing the empirical gaps, this research examines how perceived ease of use may determine the attitude and intention to use electronic wallets, introducing novel considerations of security and health based on the Technology Acceptance Model. To collect the data, this research used the survey method by distributing the questionnaires. This research collected 363 valid responses. A partial least squares structural equation modeling method was used. The results confirmed that perceived ease of use and perceived compatibility positively affect perceived usefulness (p < 0.05). Perceived usefulness, security, and health aspects were found to positively affect attitude (p < 0.05). Security, perceived usefulness, and attitude were also confirmed to positively affect the intention to use electronic wallet (p < 0.05). This research further found that perceived ease of use had an insignificant effect on both attitude and intention to use electronic wallet (p > 0.05). Based on the testing of the mediating effect, this research confirmed that both security and health aspects positively affect the intention to use electronic wallet through attitude (p < 0.05). Furthermore, perceived compatibility was not found to affect intention to use electronic wallet through perceived ease of use (p > 0.05).

The purpose of this study was to assess the significant factors that impact pregnant women’s willingness to use smart fetal heart-rate monitoring devices. We propose a research model that integrates technological factors (perceived compatibility and perceived credibility) and personal factors (health anxiety, personal physiological conditions, health consciousness, and health beliefs). The subjects of this study were Chinese women who were pregnant or had previously given birth. Data were collected and analyzed from 397 paper-andpencil and electronic questionnaires. Our structural equation model indicated that perceived usefulness (β = 0.490, t = 7.591, p < 0.001), perceived ease of use (β = 0.352, t = 5.631, p < 0.001), health anxiety (β = 0.095, t = 2.664, p = 0.008), personal physiological conditions (β = 0.075, t = 2.142, p = 0.032), and health consciousness (β = 0.078, t = 2.110, p = 0.035) were the determinants of the intention to use smart fetal heart-rate monitoring devices, with perceived usefulness having the highest degree of influence. Furthermore, we discovered that the levels of perceived compatibility and perceived credibility did not have direct correlations with the intention to use these devices, but they did significantly influence the model. Perceived compatibility (β = 0.345, t = 6.601, p < 0.001) and perceived credibility (β = 0.519, t = 9.958, p < 0.001) significantly influences perceived ease of use. Perceived credibility (β = 0.421, t = 7.802, p < 0.001) significantly influences perceived usefulness. Based on these results, suggestions for future research are put forward. [ABSTRACT FROM AUTHOR]

COVID-19 pandemic, the foodservice industry has had to modify the way it offers its services. The aim of this paper is to examine the drivers of intention to use and recommendation of online food delivery (OFD) using the SOR model, to analyze the perceived risk of COVID-19 and its relationship with the perceived risk for online purchase of OFD as well as to analyze the cultural effect between Spain and India. For this purpose, an online questionnaire was developed by obtaining a sample of 422 users and structural equation modeling (PLS-SEM) was used to determine which variables had a significant influence on the adoption of the OFD. The results confirm that attitude is the main antecedent of intention to use and recommendation, in contrast to the subjective norm relationships, where it was only confirmed by recommendation. This finding demonstrates how individuals' attitude toward intention and recommendation is more favorable than influence of third parties on decisions. [ABSTRACT FROM AUTHOR]

Halal online food delivery service (HOFD) is an emerging new wave in the food and beverage industry. This market is continuing to rise and soar after the Covid-19 pandemic. HOFD is essential to Muslims to ensure the Halal integrity of Halal Food. It is important to make sure that the food delivery to consumers is clean, safe, Halal. The purpose of this paper is to examine the key factors that explain intention to use HOFD (perceived ease of use, perceived usefulness, Halal knowledge, Halal awareness, attitude, subjective norms, and perceived behavioural control). The moderating role of Halal certification in the relationship between consumer attitude toward HOFD and intention to use HOFD is also examined. A total of 195 Malaysian Online food delivery users participated in an online survey and hypotheses were tested with SPSS/PLS-SEM. The constructs Technology Acceptance Model (TAM), Theory of Planned Behaviour (TPB), and Halal Awareness affect intention to use. However, Halal knowledge is found to be insignificant toward attitude. In addition, Halal certificates do not strengthen the relationship between consumer attitudes and intention to use HOFD. The TAM, TPB, Halal knowledge and Halal awareness constructs help explain the use of HOFD services. These results will help the providers of these services to understand Muslim consumer behaviour and to design their marketing strategies more appropriately to ensure consumer favourable attitudes and their intention to use HOFD services. [ABSTRACT FROM AUTHOR]

The purpose of the study is to evaluate micro, small and medium enterprises' (MSMEs) reaction to the pan-African payment and settlement system (PAPSS). The new cross-border e-payment technology is designed to facilitate crossborder instant payments, motivate cross-border businesses and promote sub-Saharan African trades which have been a real problem following the involvement of third currency, untimely payment and regulations that impact payments across borders. The study is important because of the non-existence of empirical results on what motivates MSMEs' intention to use it and how the experience might impact the intention to use PAPSS. Thus, the study considered the impact of MSMEs' previous experience on e-payment as a moderating influence on intention to use PAPSS. An adapted questionnaire that was structured on 7-point Likert scale was used in the survey to collect data from MSMEs in Nigeria. Structural equation modelling and the Hayes process for moderation were used in the analysis. The authors learned that ease of use is the strongest indirect determinant of intention to use PAPSS while perceived compatibility is the strongest direct determinant of intention to use PAPSS. Further, the authors discovered the important role of the simplicity of the innovation and its compatibility with users' characteristics in promoting intention to use. The level of experience is confirmed to be significant in moderating intention to use PAPSS. Therefore, deeper involvement of the apex banks and commercial banks in communicating simplicity is paramount to achieve significant progress, while the services of tech experts and professionals can be utilised to provide periodic information to business owners through organised TV and radio programmes. Notably, this is a novel study that focuses on new cross-border payments in sub-Saharan Africa. [ABSTRACT FROM AUTHOR]

Objective - The COVID-19 pandemic has significantly transformed many aspects of daily life, including the way payments are made. While the usage of cashless payments has increased, cash remains the main mode of payment in Malaysia. Therefore, this study aims to explore the factors driving the intention to use FinTech payments based on the Unified Theory of Acceptance and Use of Technology (UTAUT) with the Value-based Adoption Model (VAM). Methodology/Technique -- 546 usable responses were collected using a stratified sampling technique across 13 states in Malaysia. Then, structural equation modeling using the partial least squares approach was applied to test the hypotheses. Finding -- The findings show that performance expectancy, effort expectancy, social benefit, privacy risk, and openness to change are the significant determinants of intention to use FinTech payments. Openness to change was found to be the most significant predictor of intention to use FinTech payments. However, the study failed to confirm the impact of social influence, economic benefit, security risk, and regulatory support on the intention to use FinTech payments. This study does not fully validate the significance of UTAUT and VAM constructs. Novelty -- To the best of our knowledge, this is the first study that uses the UTAUT and VAM on intention to use FinTech payments together with openness to change and regulatory support. This is a framework that covers the decision-making determinants from the perspectives of benefits, risks, individual characteristics, and the external environment. [ABSTRACT FROM AUTHOR]

This study focuses on analyzing the factors that influence the intention of applying for digital-based loans, using the Technology Acceptance Model (TAM). In the midst of the advancement of the digital economy that drives transformation in the financial sector, especially financial technology, this study examines how digital innovation affects consumer behavior in applying for loans. Through literature studies and empirical surveys, this study analyzes the role of Data Security & Privacy, Quality Administrative Service, Perceived Risk, Perceived Value, and Financial Literacy in influencing Perceived Usefulness, Perceived Ease of Use, Perceived Trust, and the intention of using digital loan applications. This study also examines the role of Perceived Usefulness, Perceived Ease of Use and Perceived Trust as mediating variables. The findings of this research are expected to provide valuable insights for the financial industry and consumers in understanding the factors that play a role in the adoption of financial technology, especially in the context of applying for digital loans. [ABSTRACT FROM AUTHOR]

The use of technology in tourism is increasing day by day. Service robots are now on the agenda. The success of developments that envisage a new experience for consumer tourists depends on the accurate prediction of tourists' possible attitudes and behaviors and the influencing antecedents. This study examined consumer tourists' attitudes and usage intentions towards service robots on the multidimensional basis of anthropomorphism and technological readiness (TR). A survey was conducted with 1018 tourists in Türkiye face‐to‐face and using QR codes. Findings showed that attitude towards service robots (AR) mediated the relationship between anthropomorphism, technological readiness and intention to use (IS). Participating tourists anthropomorphically focused on the physical appearance of the robots rather than their functions and internal structures. Service robot experience is still limited in the tourism industry. Therefore, the empirical results obtained are guiding theory and practice in terms of academic studies and tourism service providers. [ABSTRACT FROM AUTHOR]

The advancement of technology has significantly transformed various activities in human life, including tourism. Mobile technology, especially mobile applications, has become an integral part of users' travel experiences. Generation Z, with their natural and proficient access to technology, has become one of the primary user groups of mobile applications in the tourism industry. Recognizing the lack of research on the intention to use mobile applications in tourism, particularly of Generation Z in Vietnam, a generation expected to reshape the tourism industry in the future, this study aims to investigate how personal innovativeness influences the intention to use mobile applications in tourism among Generation Z and mediation of attitudes. To test the proposed hypotheses, the study conducted an online survey using Google Forms targeting Generation Z individuals living and working in Ho Chi Minh City, Vietnam. A total of 318 participants took part in the survey. The collected data were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. Based on the research findings, the study proposed potential solutions for mobile application development businesses, destination management organizations, tourism businesses to enhance the intention to use mobile applications in tourism among Generation Z in Ho Chi Minh City and Vietnam as a whole. [ABSTRACT FROM AUTHOR]

AbstractAlthough teachers spend a lot of time striving to provide high-quality feedback, students do not always act upon it and may rate it as unhelpful. The current study attempted to determine the characteristics of feedback that influence students’ intentions to use teachers’ comments in their future work. Participants rated real feedback comments for clarity, tone and encouragement as well as their intention to use those comments if they had received them on their own work in three studies. Multiple regression analyses demonstrated that intention to use ratings were higher for comments which were ‘nice’ (supportive, encouraging, motivating, positive in tone) and ‘usable’ (clear, constructive, helpful). We argue that these data provide clear guidance for instructors as to how to approach the provision of written feedback on student work. [ABSTRACT FROM AUTHOR]

Due to the potential of automated vehicles (AVs) to change the transportation system radically, it is essential to investigate the factors affecting users' intention to use them. Although previous studies have mostly focused on the latent variables of the internal schema of beliefs, this paper aims to examine the impact of internal and external factors by integrating the variables of the unified theory of acceptance and use of technology along with environmental concerns and perceived risk. Moreover, the effects of latent variables are also compared for different trip purposes (mandatory and optional), which have received less attention in previous studies. Using a stated-preference survey, 641 valid responses from citizens of Tehran, Iran have been collected. The estimation results of structural equation modelling show a significant difference between the determinants of AV acceptance across mandatory and optional trips. The estimated coefficients indicate that social influence and performance expectancy are the strongest explanatory factors in the intention to use AVs in optional and mandatory trips, respectively. However, no significant difference is observed for the impact of environmental concerns on the intention to use AVs across both trip types. [ABSTRACT FROM AUTHOR]

This study aimed to investigate the determinants of transaction satisfaction and intention to use local second-hand marketplace platforms, focusing on the impact of negotiation costs and the moderating influence of users' sense of their neighborhood. Building on transaction cost theory, we conceptualized negotiation costs as a multidimensional construct that encompassed economic, performance, time, and psychological costs. Our findings revealed that economic and time costs had a significant negative effect on transaction satisfaction, whereas performance and psychological costs did not exhibit such an impact. Furthermore, transaction satisfaction positively influenced users' intention to use the platform, thereby mediating the relationship between negotiation costs and intention to use. Additionally, we found that users' sense of their neighborhood enhanced transaction satisfaction and acted as a moderator, attenuating the negative impact of negotiation costs on satisfaction. For users with a high sense of my neighborhood, the negative impact of economic, performance, and time costs on transaction satisfaction was attenuated. These findings contribute to a deeper understanding of consumer behavior on local second-hand trading platforms and emphasize the importance of social cues in shaping transaction satisfaction and intention to use. The implications of our study offer valuable insights for second-hand platform operators. [ABSTRACT FROM AUTHOR]

This study aims to explain consumers' attitudes toward digital currency and their intention to use it with perceived trust, risk, usefulness, and ease of use. Data were obtained from 801 people through an online survey. Structural equation modeling and Process Macro were run to analyze the obtained data statistically. According to the statistical analysis results, while the trust factor affects the risk negatively, it positively affects the usefulness and attitude. Usefulness and risk have mediating role in the effect of trust on attitude. In addition, although the effect of usefulness on attitude is significant, the effect of risk on attitude is not significant. Attitude affects the intention to use it. Ease of use has a moderating role in this effect. At low, medium, and high values of ease of use, the attitude has conditional effects on the intention to use. Although there are many international studies on the adoption and use of digital currencies, few studies investigate the predictions of consumers' digital currency use in developing countries. This study contributes to the literature by raising awareness about digital currencies in developing countries. This study also fills an important gap in monitoring consumers' predictions about digital currency use in developing countries. In the context of the digital currency issue and the theoretical background of this study, it was seen that the variables evaluated in this study were not evaluated together in previous studies. It has been successfully explained that the original research model of this study has structural validity. As a result, the relationship between the variables was successfully explained. [ABSTRACT FROM AUTHOR]

We investigate the effect of online grocery shopping (OGS) business operators' responses to negative online customer reviews (NOCRs) on prospective shoppers' attitudes toward OGS. Previous research indicates online customer reviews (OCRs) affect purchasing decisions and trust. We consider the occurrence of NOCRs as a service failure and appropriate managerial responses (apology, compensation) as service recovery efforts. Equity theory suggests managerial responses affect perceived justice and generate trust, enhancing intention to use. A scenario-based experiment was conducted to examine the impact of managerial responses on prospective shoppers' perceived justice, trust, and intention to use. The results revealed that an apology has a more significant effect on perceived justice than on compensation, influencing trust and intention to use. We defined NOCRs as service failures exposed to prospective shoppers and evaluated the effect of managerial responses on perceived justice. We provide practical implications for OGS by suggesting appropriate responses to NOCRs. [ABSTRACT FROM AUTHOR]

With the increasing abilities of robots, the prediction of user decisions needs to go beyond the usability perspective, for example, by integrating distinctive beliefs and trust. In an online study (N = 400), first, the relationship between general trust in service robots and trust in a specific robot was investigated, supporting the role of general trust as a starting point for trust formation. On this basis, it was explored—both for general acceptance of service robots and acceptance of a specific robot—if technology acceptance models can be meaningfully complemented by specific beliefs from the theory of planned behavior (TPB) and trust literature to enhance understanding of robot adoption. First, models integrating all belief groups were fitted, providing essential variance predictions at both levels (general and specific) and a mediation of beliefs via trust to the intention to use. The omission of the performance expectancy and reliability belief was compensated for by more distinctive beliefs. In the final model (TB-RAM), effort expectancy and competence predicted trust at the general level. For a specific robot, competence and social influence predicted trust. Moreover, the effect of social influence on trust was moderated by the robot's application area (public > private), supporting situation-specific belief relevance in robot adoption. Taken together, in line with the TPB, these findings support a mediation cascade from beliefs via trust to the intention to use. Furthermore, an incorporation of distinctive instead of broad beliefs is promising for increasing the explanatory and practical value of acceptance modeling. [ABSTRACT FROM AUTHOR]

Personal assistance robots are making inroads into our private and public life. At the same time, most humans are still unfamiliar with this technology and hesitate to accept and use it for daily tasks. Fortunately, the designs of robots can be adjusted to yield greater acceptance, subsequently enabling their utilization across various tasks. Using a scenario-based online experiment, we explored how sociability (low vs. high), ownership (private vs. public), and affinity for technology influence the acceptance and intention to use a robot for grocery shopping. Moreover, to assess users' preference for robots' morphology, participants were asked to choose a robot (technical vs. anthropomorphic design) that they would prefer to use in a supermarket. We found that low sociability of the service robot and a higher affective affinity for technology led to a higher level of acceptance. For more sociable robots, higher levels of anthropomorphism were preferred. Our results point to the importance of task-specific robot design that exceeds functional considerations. [ABSTRACT FROM AUTHOR]

While the emergence of shared autonomous vehicles can be an effective solution to improve transport issues and achieve sustainable development, the benefits associated with shared autonomous vehicles can only be realized when the public intends to use them. Therefore, it is necessary to conduct an in-depth study on the public's intention to use shared autonomous vehicles and identify the key influencing factors. This study mined social media data to obtain real public perceptions. A qualitative exploratory analysis was used to identify thematic variables regarding social media data on shared autonomous vehicles, from which a research model of the public's intention to use SAVs was proposed. Then, a questionnaire survey was conducted, and the structural equation model and Bayesian network were used to analyze the questionnaire data quantitatively. The findings reveal how perceived risk, social information, trust, perceived usefulness, and personality traits affect the public's intention to use shared autonomous vehicles, and how to enhance the public's intention to use them. This study will enrich the research on traveler psychology in the context of intelligent travel and provide theoretical basis and decision support for future policies to promote shared autonomous vehicles. [ABSTRACT FROM AUTHOR]

IntroductionChronic diseases are the leading causes of death in the world. In sub-Saharan Africa, it leads to more mortality than almost every other region in the world. Currently, digital health technology like personal health records plays a crucial role in managing patients with chronic diseases. In low-resource countries like Ethiopia, it is uncertain how many chronic patients intend to use PHRs and the accompanying circumstances. Hence, the aim of this study was to assess chronic patients’ intention to use PHRs and its predictors enrolled in public health hospitals in Bahir Dar city, northwest Ethiopia.MethodAn institutional-based cross-sectional study was conducted among 924 respondents from April 5 to May 9, 2023, in Bahir-Dar city public hospitals. A stratified sampling technique followed by a systematic sampling technique was applied to select the study participants. An interviewer-administrated questionnaire was conducted using Kobo Collect. A UTAUT2 model was applied to develop theoretical frameworks. SPSS version 25 software was used to estimate the descriptive statistics, and the structural equation model analysis was used to evaluate model constructs using AMOS version 21 software.ResultsIn this study, a total of 908 study subjects participated. The proportion of chronic patients’ intention to use PHR was 46.7% [95.0% CI (43.4–50.1)]. According to the findings, performance expectancy (β = 0.259, p-value