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This study focuses on understanding the factors that influence end-users' (customers') acceptance of fintech services in the insurance industry. The study employed a modified Unified Theory of Acceptance and Use of Technology 2 model, incorporating perceived security and personal innovativeness as independent variables, and trust as a moderating variable. A total of 391 responses were analyzed using partial least squares structural equation modeling in SmartPLS software. The study's findings indicate that factors such as effort expectancy, social influence, facilitating conditions, perceived, and personal innovativeness positively affect users' behavioral intention (BI) to use fintech services in the insurance industry. Moreover, BI positively influences the actual use (AU) of fintech services. Additionally, trust plays a positive moderating role between BI and AU. The results of this study have practical implications for academicians, researchers, insurance companies, and insurance regulatory bodies. Academicians and researchers can further explore the acceptance of fintech in developing countries based on these findings. Insurance companies and regulatory bodies can take necessary steps and formulate strategies to promote the adoption of fintech services in the insurance industry, considering the identified factors and the role of trust. [ABSTRACT FROM AUTHOR]

Ubiquitous digitalization combined with recent crises has increased the drive to develop new virtual tourism (VT) offerings. However, the factors influencing end-users' adoption, participation and, most crucially, their readiness to pay have yet to be sufficiently investigated. In the paper, we test behavioral intentions regarding VT experiences and their actual use. We integrate the extended unified theory of acceptance and use of technology (UTAUT2) with perceptions of travel risk, past behavior and measurement of actual behavior – the decision to participate and pay for a VT experience. Data were collected from 660 participants, half of whom were offered the virtual tourism experience for free and the other half for a payment. The results show a strong overall intention to use virtual tourism and that the UTAUT2 extended precedents predict it well. Still, once the user is asked to pay for the virtual experience, actual participation rates drop significantly, and strong behavioral intentions are not good predictors of actual behavior. While free virtual tourism experiences might see wide use, ones that are paid for must be carefully crafted. [ABSTRACT FROM AUTHOR]

Theoretical triangulation (TT) within the context of social media marketing communication (SMMC) and business performance (BP) is a rarely observed phenomenon. This paper offers a critical review of the contributions of multiple theories, including performance expectancy theory (PET), effort expectancy theory (EET), and social influence theory (SIT), to examine whether SMMC moderates the relationship between these theories and business performance. Survey data from 218 cashew salespeople in Sri Lanka were analyzed using structural equation modeling (SEM) via AMOS 26.0. The SEM analysis revealed significant positive relationships between performance expectancy (PE), effort expectancy (EE), social influence (SI), and potential sellers' business performance. However, the moderation effect results indicated that SMMC had a weak moderating effect on the relationship between EE and BP, as well as SI and BP. Nevertheless, it demonstrated that SMMC partially moderated the relationship between PE and BP. While this study provides valuable insights, it should be noted that caution is required when generalizing the findings. Future research could introduce additional variables to further explore moderation effects within the Unified Theory of acceptance and use of technology (UTAUT) framework. Ultimately, this study serves to broaden the perspectives of cashew sellers, offering practical implications derived from academic research. The findings not only support the acceptability of TT in explaining predictors and BP within the cashew industry but also underscore the resilience of TT in diverse research contexts. Through SEM analysis, this study introduces SMMC as a moderator in the UTAUT framework, shedding light on the moderating effects of SMMC on the relationship between predictors and BP and its impact on salespeople in the realm of SMMC. [ABSTRACT FROM AUTHOR]

The rapid development of digital technology presents challenges that necessitate an understanding of its effect on the job performance of public sector personnels to advance digital construction in the public sector. Drawing upon the Unified Theory of Acceptance and Use of Technology (UTAUT), this research delves into the pivotal influences of digital technology factors on the job performance of public sector personnels, with a specific emphasis on understanding how technology anxiety acts as a mediator in this connection. Since the purpose of this study is to explore the impact of digital technology on the work performance of public sector personnels, the research objects of this research constituency are a total of 717 public sector personnels from different public sectors. Data were collected from 717 public sector personnels using quantitative research methods and analyzed with a structural equation model in AMOS 28.0. The results show that H1,H3,H6A and H6C are not confirmed, and the other hypotheses are confirmed. Specifically, since β = -0.537 for effort expectancy, p < 0.001, and β = 0.622 for facilitating condition, p < 0.001, effort expectancy and facilitating condition have a significant promoting effect on job performance. Additionally, technology anxiety mediates the relationship between expectancy and performance. Skilled use of digital technologies is found to improve personnel performance. These findings highlight the significance of digital technology proficiency and the creation of supportive digital environments in enhancing public sector personnel performance. This study provides actionable insights for optimizing digital technologies in the public sector and improving the job performance of public sector personnels in the public sector field, highlighting the need for a training and supportive digital environment to alleviate technological anxiety and improve performance.

This study utilizes the UTAUT model, one of the technology acceptance models, and discusses tourism academics’ adoption of technology in teaching and research practices in the context of this model. The data collection process of the study was completed with the help of a survey, one of the quantitative research methods data collection tools, and analyzes were carried out on the data received from 403 tourism academics in Türkiye. The results of the study some descriptive features of faculty members affect their expectations from technology and attitudes towards technology. This study is limited to tourism academics in Türkiye. It demonstrates to decision makers that technology is a factor to be considered in the development of educational plans and policies. [ABSTRACT FROM AUTHOR]

This study aims to investigate factors affecting behavioral intention towards teaching AI in Saudi universities. A random sampling method was used. A total of 430 responses were received. There were 330 males (76.74%), and 100 females (32.25%). All participants were of Saudi nationality and spoke Arabic as their mother tongue. To investigate sample data and assess model fit, this study employs structural equation modeling (SEM). A self-report 15- item survey instrument was developed specifically for this research study, based on Technology Acceptance Model (TAM). Study variables showed significant correlations at the .01 level. BI correlates positively with Performance expectancy (PE), Effort expectancy (EE), Social influence (SI)and Facilitating conditions (FC) (r = .555, .655, .630 and .615 respectively). Each of PE, EE, SI made significant individual contributions to the prediction of BI. The results indicated that the following beta weights which represented the relative contribution of PE, EE, SI and FC to the prediction were observed. PE (b = .411, t = 5.890, P < 0.01), EE (b = .333, t = 5.780, P < 0.01), SI (b = .297, t = 5.230, P < 0.01), and FC (b = .299, t = 5.232, P < 0.01). Together they yielded a coefficient of multiple regression (R) of 0.788 and a multiple correlation square of 0.784. With regard to the academic contribution, this work builds upon previously established and validated literature while simultaneously providing a new conceptual model. [ABSTRACT FROM AUTHOR]

AbstractAimMethodsResultsConclusions\nIMPLICATIONS FOR REHABILITATIONThe degree to which people with intellectual and visual disabilities can use technology relies on the level of support they receive. However, there is a lack of knowledge about the relationship between the constructs effort expectancy, attitudes, and behavioural intentions of support people (i.e. relatives and healthcare professionals) regarding the use of such technologies for people with intellectual and visual disabilities. The aim of this study was to gain insight into how these constructs are connected and to explore their relationship with support person’s characteristics and the support need levels of people with intellectual and visual disabilities.In total, 186 support people from a Dutch healthcare organisation focusing on people with intellectual and visual disabilities participated in an online questionnaire. We used a regression analysis to explore how the constructs, the characteristics, and the level of support needs were related.Both effort expectancy (β = .35; t(185) = 5.04; p < .001) and attitude (β = .75; t(185) = 15.55; p < .001) of support people were related to the intention to use technologies. The effect of effort expectancy (β = .04; t(177) = .74; p = .462) on the intention to use technologies was mediated through attitude (β = .74; t(177) = 13.28; p < .001). Younger support people scored higher on attitude than older support people.Support people’s effort expectancy and attitude play a significant role in their intention to use technologies when supporting people with intellectual and visual disabilities, with attitude emerging as pivotal factor.A better understanding of the relationship between effort expectancy, attitude, and the intention to use technologies in support people may facilitate the implementation of technologies.The intentions of support people to use technologies is not related to the level of support needs of people with intellectual and visual disabilities.Younger support people have a more positive attitude towards technology for people with support needs compared to older support people.A positive attitude has a strong and positive relationship to a higher behavioural intention. Therefore, when implementing technologies, healthcare organisations should pay special attention to the attitude of support people towards the use of technologies for people with support needs.A better understanding of the relationship between effort expectancy, attitude, and the intention to use technologies in support people may facilitate the implementation of technologies.The intentions of support people to use technologies is not related to the level of support needs of people with intellectual and visual disabilities.Younger support people have a more positive attitude towards technology for people with support needs compared to older support people.A positive attitude has a strong and positive relationship to a higher behavioural intention. Therefore, when implementing technologies, healthcare organisations should pay special attention to the attitude of support people towards the use of technologies for people with support needs. [ABSTRACT FROM AUTHOR]

The industrial revolution 4.0 has pushed the banking sector to bring transparency in their financial transactions, especially in sending and receiving remittances. This study identifies the factors that affect the user's behaviour in the adaptability of blockchain technology (BT). The unified theory of acceptance and use of technology (UTAUT) with two additional factors comprising trust and transparency is used in the current study. The data of 240 respondents from the banks of Pakistan were tested through the PLS-SEM and fsQCA. The study results show that performance expectancy, effort expectancy, trust in BT, transparency in BT and the facilitating condition positively affect, while social influence negatively affects the behavioural intention towards BT. This study extends the application of the UTAUT model with two dimensions (e.g., trust and transparency) to identify the factors that predict bankers' intentions and their subsequent effect on the overall use of blockchain-based remittance services in Pakistani banks. In addition, we extend this study by combining symmetric (i.e. PLS-SEM) and asymmetric (i.e. fsQCA) techniques to generate significant implications for banks that provide blockchain-based remittance services. The asymmetric findings also provided bankers with two models (recipes) that have a greater potential for predicting bankers' use of blockchain-based remittance services. [ABSTRACT FROM AUTHOR]

Despite the disruptive effects of COVID-19 on higher education institutions, the pandemic has enforced the intensive and sustained integration of new digital technologies and platforms into Education, a case that has instigated new contexts for online learning research. A considerable proportion of empirical literature advocates that perceived fear associated with the pandemic is positively related to protection motivation and, hence, online learning acceptance. The current study aims to extend one of the prominent technology acceptance theories, namely, the Unified Theory of Acceptance and Use of Technology (UTAUT), and diffusion of innovation of theory (DIT) to investigate the acceptance and adoption of learning management systems (LMS) among students and faculty. A cross-sectional survey study has been conducted in a higher education institution in Oman, involving a sample of undergraduate students and faculty. The findings have indicated that perceived corona fear has significantly influenced perceived effort expectancy and performance expectancy, whereas facilitating conditions and technological innovativeness, contrary to the forecasts, have not significantly affected intention. Based on its findings, the current study suggests several practical implications for promoting the pedagogical efficacy of online learning elements within comprehensive blended learning models in higher education institutions in the post-pandemic era. [ABSTRACT FROM AUTHOR]

Purpose: This study aims to recognize the role of information system (IS) model on young adults' experience of housing and real estate chatbots. This model of IS takes into account the quality of information, the quality of system and the quality of service. Design/methodology/approach: This study uses a sample frame for analysis which comprises young adult population in India, i.e. between the ages of 18 and 35. A questionnaire consisting of five components was used to collect information in a structured manner. The 386 responses thus collected were analysed using the structural equation model. Findings: It was found that there is a significant influence of the quality of information, quality of system and quality of service on young adults' experience of housing and real estate chatbots. The findings also showed that there is moderation role of effort expectancy between the quality parameters and young adults' user experience of housing and real estate chatbots. Research limitations/implications: This study focusses exclusively on the young adults from various parts of India. Future research can consider larger population categories across age groups and across sectors employing chatbots. Practical implications: This study will enable in-depth understanding of IS model – quality dimensions' relation with the user experience. In particular, housing and real estate organisations will profit from the expanded usage of artificial intelligence through chatbots for user correspondence and communication. Originality/value: To the best of the authors' knowledge, this study is first of its kind, as it investigates how IS model – quality dimensions affect the young adults' experience of housing and real estate chatbots in India. This study also ventures into identifying the moderation role of effort expectancy between the quality dimensions as per IS model and young adults' experience of housing and real estate chatbots. This study will be useful for the stakeholders of housing and real estate industry. [ABSTRACT FROM AUTHOR]

This study offers useful information to financial technology service providers and policymakers by examining the variables that affect people's intentions to use financial technology. The study's main goal is to determine how users' intentions to adopt and use financial technology platforms are influenced by factors such as price value, social influence, responsiveness, performance expectancy, effort expectancy, and trust. Data analysis has been conducted using SPSS version 25.0. Using a quantitative study design, data were gathered from a sample of 511 participants. A Convenience sampling technique has been applied. The results show that every factor examined has a favorable impact on people's intentions to use Fintech, indicating that enhancing these factors can increase users' adoption and usage of Fintech platforms. However, interestingly, no significant relationship was found between responsiveness and both performance expectancy and trust. These results contribute to the understanding of user behavior in the Fintech context and highlight the significance of factors such as trust, social influence, and price value in shaping individuals' intention to use Fintech. This research paper also examines the role of responsiveness in influencing several factors such as effort expectancy, performance expectancy, and trust. [ABSTRACT FROM AUTHOR]

AbstractThe Severe Acute Respiratory Syndrome Coronavirus 2 (SARS-CoV-2) or popularly the Corona Virus Disease 2019 (COVID-19) pandemic brought significant public health challenges globally. During the crisis, mobile health (m-health) services were implemented to expedite fast, convenient and reliable dissemination of health information to the public. Meanwhile, the adoption of m-health faced high uncertainty alike other COVID-19 regulatory methods. This study examines the antecedents of m-health acceptance among Zimbabwean university students. Whilst research on m-health adoption during the pandemic is still scarce, this study becomes the first to integrate the Unified Theory of Acceptance and Use of Technology (UTAUT) and the Theory of Planned Behavior (TPB) to predict m-health adoption in a developing country. An explanatory design and a quantitative research approach were employed. Based on 271 valid responses, Structural Equation Modelling was used to estimate the proposed model. The findings revealed the positive effect of performance expectancy, effort expectancy, facilitating conditions, attitudes, behavioral norms, perceived behavioral control on behavioral intention to adopt m-health with a higher R square value (80.4%) than the original UTAUT model. The study also confirmed the positive influence of behavioral intention on m-health usage (R square = 41.5%). Health promoters were urged to design messages that stimulate positive attitudes, appeal to social groupings and improve user’s self-efficacy. M-health services should also foster use simplicity, ease of use and health value to entice m-health adoption among consumers. The study also provides an important baseline for the integration of behavioral theoretical models to enhance their predictive strength.

Generation Z faces diverse challenges in education amidst the swift evolution of technology. This study investigates the factors shaping Generation Z's acceptance and adoption of AI and Cloud-based applications in Oman's higher education sector. Despite limited attention to this area in Oman and the Gulf Cooperative Council countries (GCC), this research addresses the gap by employing the Unified Theory of Acceptance and Use of Technology (UTAUT) framework, recognized for its effectiveness in understanding technology adoption. Through a quantitative approach, Generation Z students in Omani higher education institutions were surveyed, and SmartPLS was utilized for analysis. Results indicate a significant positive relationship between all UTAUT antecedent factors, with Performance Expectancy being non-significant. This study offers novel insights into global understandings of Generation Z's learning trends with AI and Cloud-based applications in higher education, aiming to enhance pedagogical approaches. Notably, it pioneers such efforts within the GCC context. Recommendations for similar research in other GCC countries are provided to enrich regional perspectives. Limitations and future directions are addressed, emphasizing the importance of comprehending Generation Z's interaction with technology to advance educational practices in the digital age. Doi: 10.28991/ESJ-2024-08-03-02 Full Text: PDF

Although mobile shopping is a new norm after the pandemic, its proliferation is still not very mature in developing nations. Drawing on the Unified Theory of Acceptance and Use of Technology (UTAUT) model, this research employs the SEM technique to examine the effect of mobile shopping frequency and repurchase intent among 198 young mobile shopping consumers in Pakistan. Our findings suggest that purchase frequency is a key variable in consumer behavior and plays a significant role in building mobile shopping repurchase intentions. Findings further suggest that effort expectancy, unlike the performance expectancy, also strongly affects the relationship between purchase frequency and repurchase intention as an intervening mechanism, while a strong interaction effect from the social influence is also noted. This research offers insightful implications for researchers and marketers in the realm of e-commerce and mobile shopping domains. [ABSTRACT FROM AUTHOR]

The research analyzes the factors influencing students' intentions toward infaq and sedekah through digital platforms. This research involved 226 respondents from Java who had carried out transactions using digital platforms. Respondents were selected randomly using a simple random sampling technique, and data was collected through a questionnaire with a Likert scale. The analytical method used in this research is partial least squares, consisting of outer and inner models. Hypothesis testing checks the original sample, T-statistics, and Pvalue on the bootstrap results. The research results show that performance expectancy and social influence behavior intention while facilitating conditions and behavioral intention influence use behavior. However, no influence was found on behavior intention between effort expectancy and reducing conditions. [ABSTRACT FROM AUTHOR]

Technological developments and the emergence of the financial technology industry coupled with digitalization in various fields have led to mobile payments in Indonesia. Mobile payments make transactions even faster and more convenient. However, there is a decision for consumers to continue or not to use technology, in this case regarding mobile payment technology. This study develops a model to see a direct relationship between performance expectancy and effort expectancy on continuance intention in cellular payments. Quantitative This study used SmartPLS 3.0 in conducting data analysis and obtained primary data from 1000 respondents through a list of questions given with a Likert scale. The research was conducted in two cities in Lampung Province. This study found the fact that performance expectancy has a direct relationship effect on continuity intention in mobile payments because consumers feel comfortable and do not worry about transactions through mobile payments. Effort expectancy has a direct relationship effect on continuity intention in mobile payments because consumers find transactions with mobile payment facilities very practical in use and easy to understand. [ABSTRACT FROM AUTHOR]

Cloud gaming technology is a fairly new innovation in the gaming industry in the world. The implementation gradually expanded and reached Indonesia at this time. However, the growth of its users tends to be slow, even though game players in Indonesia have reached 105 million people. If cloud gaming users can become larger, it will certainly be profitable for the provider companies and the Indonesian state. Therefore this research was conducted to understand the factors that influence the acceptance of cloud gaming technology with the Xbox cloud gaming case study. In this study using the main model Unified Theory of Acceptance and Use of Technology (UTAUT) added variables perceived security and perceived value. The data collection method used is an online survey using Google Forms. The number of samples collected reached 120 game players. Multiple regression analysis and sub-group analysis were used to test the hypotheses proposed in the study. Based on the results of the analysis it was found that all hypotheses were supported. performance expectancy, effort expectancy, social influence, facilitating condition, perceived security and perceived value influence the user's behavioral intention to keep using Xbox cloud gaming. The results of this study are expected to be able to make cloud gaming service providers, especially Xbox, to be able to improve the quality of service based on the suggestions put forward by the author. [ABSTRACT FROM AUTHOR]

This paper delves into the dynamics of self-service technology (SST) with the plan to use it in fast-food restaurants, focusing on pivotal determinants that shape users' intentions to engage with these technologies. Leveraging the Unified Theory of Acceptance and Use of Technology (UTAUT) framework, the study investigates the influence of various variables such as performance expectancy, effort expectancy, social influence, habit, facilitating condition, and technology anxiety on users' intentions to use self-service technologies. To gauge consumers' intentions regarding SST use when ordering food and drinks, we conducted a field survey, with 272 customers participating at one of the largest Kentucky Fried Chicken (KFC) outlets in Indonesia. The findings suggest that certain variables such as habit, influence the desire to integrate SST as well as performance and effort expectancy, whereas facilitating condition and social influence do not exert a significant impact. As anticipated, factors related to technology anxiety impede customers' intentions to use SST. These findings are anticipated to provide a better understanding of both academic research and practical implications for the use of SST within the fast-food industry. [ABSTRACT FROM AUTHOR]

Purpose: This research aims to analyze the factors that influence behavior using the MyPertamina application using the unified theory model of acceptance and use of technology 2 (utaut2) among gas station customers in the South Banten area, Banten Province, Indonesia. Design/Methodology/Approach: The research method used in this research is a quantitative method with an associative approach. The research sample comprised 135 gas station customers using Mypertamina in South Banten. The sample was determined using a purposive sampling technique. Data analysis used structural equation modeling (SEM) using the SmarPLS 3.0 program. Findings: The study concludes that while social influence, facilitating conditions, and hedonic motivation significantly affect users' behavioral intention to use the MyPertamina application, performance expectancy, effort expectancy, price value, and habit do not. Practical Implications: actual use behavior is driven by facilitating conditions, habits, and behavioral intentions. Originality/Value: This research provides context-specific insights into the factors influencing the adoption and use of the MyPertamina application, particularly relevant for the Indonesian market and similar developing regions. [ABSTRACT FROM AUTHOR]

The purpose of this study was to predict the likelihood that teachers would consider the Geometric AR-based Pedagogical Module (GeAR-PM) as beneficial, and study the factors that influence their decision. The data for this study was gathered via a survey method. A sample of 202 Malaysian secondary school teachers was randomly selected as respondents for this study. Specifically, the respondents were asked to answer questions using an instrument which was developed based on the Unified Theory of Acceptance and Use of Technology (UTAUT) model. This study comprised four UTAUT variables: performance expectation, effort expectancy, social influence, and facilitating conditions, and one additional variable, self-efficacy. All variables showed high reliability with Cronbach Alpha's values between 0.87 to 0.91. The data was analyzed using a binary logistic regression via Statistical Package for the Social Sciences (SPSS) version 27.0. The findings revealed that a teacher's belief that GeAR-PM is beneficial was significantly related to his/ her perception on effort expectancy, social influence, and self-efficacy. Hence, when developing the GeAR-PM, these three factors should be weighed up. [ABSTRACT FROM AUTHOR]

The need to improve service delivery efficiency and enhance passenger satisfaction is driving most airport operators to increasingly adopt robotics as part of their service delivery infrastructure. This study examined the factors influencing the adoption of service robots in Nigerian airports. It specifically explored the effects of UTAUT dimensions on the adoption of service robots in selected Nigerian Airports. The study adopted cross-sectional survey design, and data were obtained from 241 airport staff using structured questionnaires. Hypothesized relationships were tested using multiple regression analysis. Results showed that performance expectancy, effort expectancy, social influence and facilitating conditions had significant positive effects on the adoption of service robots in Nigerian airports, although social influence and facilitating conditions respectively had greater influence in the adoption decision. It was, therefore, concluded that marketers of aviation service robots should consistently promote the unique benefits and performance expectations of their products in order to demonstrate the potential capabilities of these technologies in improving operational efficiencies. [ABSTRACT FROM AUTHOR]

This study aims to investigate factors affecting behavioral intention towards teaching AI in Saudi universities. A random sampling method was used. A total of 430 responses were received. There were 330 males (76.74%), and 100 females (32.25%). All participants were of Saudi nationality and spoke Arabic as their mother tongue. To investigate sample data and assess model fit, this study employs structural equation modeling (SEM). A self-report 15- item survey instrument was developed specifically for this research study, based on Technology Acceptance Model (TAM). Study variables showed significant correlations at the .01 level. BI correlates positively with Performance expectancy (PE), Effort expectancy (EE), Social influence (SI)and Facilitating conditions (FC) (r = .555, .655, .630 and .615 respectively). Each of PE, EE, SI made significant individual contributions to the prediction of BI. The results indicated that the following beta weights which represented the relative contribution of PE, EE, SI and FC to the prediction were observed. PE (b = .411, t = 5.890, P < 0.01), EE (b = .333, t = 5.780, P < 0.01), SI (b = .297, t = 5.230, P < 0.01), and FC (b = .299, t = 5.232, P < 0.01). Together they yielded a coefficient of multiple regression (R) of 0.788 and a multiple correlation square of 0.784. With regard to the academic contribution, this work builds upon previously established and validated literature while simultaneously providing a new conceptual model.

The rapid growth of the information technology industry has spurred corporate process digitalization. This study aims to examine how the Unified Theory of Acceptance and Use of Technology’s (UTAUT) major tenets – performance expectancy and effort expectancy – and trust affect managers’ acceptance of new e-fulfillment services. This study also considers Hofstede’s cultural dimension of long-term orientation as the major variable influencing management’s acceptance of the new fulfillment platform. This study employed a quantitative research methodology with a simple random sampling of 248 Indonesian Logistic Association members from various industries. The research finding shows that only effort expectancy does not significantly affect managers’ e-fulfillment platform usage. Both effort expectancy and performance expectancy have a significant impact on employee trust in using the new technology. In addition, performance expectancy, customer trust, and long-term orientation positively affect the managerial adoption of e-fulfillment services. The study also shows a full mediation effect of customer trust in the relationship of effort expectancy to managerial adoption and a partial mediation effect in the influence of performance expectancy into managerial adoption of electronic resources planning with trust as a mediating variable. AcknowledgmentThis study is conducted with the support from the Ministry of Education, Culture, Research, with the Contract No. 1170/LL3/AL.04/2023; 0059-RD-LPPM-UMN/P-JD/V/2023.

The banking industry has received criticism for being one of the major contributors to climate change, either directly or indirectly. In response to this, the concept of “green banking” has emerged as a way to counteract the negative impact that banks are inflicting on the environment. However, there is little research on green banking adoption from customers’ perspectives in emerging countries, particularly Pakistan. Therefore, the current study has explored and examined the different factors that influence customers’ intention to adopt green banking and afterwards use behavior by applying the unified theory of acceptance and use of technology. In addition, customers’ green values and collectivist culture were incorporated into the unified model to determine the most influential factor driving green banking proliferation. The study was conducted in Lahore, Pakistan, with the participation of 305 private bank customers. The empirical findings revealed that facilitating conditions and performance expectancy are the most significant driving factors for green banking proliferation, followed by emotional and conditional values, social influence, and effort expectancy. Surprisingly, a country with a 97% Muslim population believed in a collectivist national culture and a joint family system showed an insignificant moderating effect of collective culture on relationships. Bank managers, policymakers, and researchers should take into account these factors while designing and developing green banking products/services and policies to promote green banking proliferation in mainstream markets. The study provides novel theoretical insights on green banking adoption from customers’ perspectives and guides future research in this field. [ABSTRACT FROM AUTHOR]

In this study, we examine the effects of AI on education, specifically on students’ cognitive and motivational factors and behaviors. Artificial neural networks (ANNs), including recurrent and deep neural networks, are used to analyze critical elements of educational training. Our research involves training ANNs and using Smart partial least squares regression (Smart PLS) for deep learning analysis. The findings indicate a high accuracy rate of 94% in factor analysis by ANNs, indicating a positive effect of AI on educational training. Smart PLS results show that each dimension positively affects student behavior. The study shows that AI technology can effectively increase learning efficiency in education, benefiting student education and training. The integration of ANN and Smart-PLS analyses supports the conclusion that AI technology can increase learning efficiency in education. [ABSTRACT FROM AUTHOR]

Businesses globally heavily invest in Enterprise Resource Planning (ERP) implementation to meet high customer demands and maintain competitiveness. Despite significant investments, underutilization hampers reaping the system's full benefits, leading to stagnant or adverse performance. Hence, this study aims to uncover reasons for the lack of end-user adoption of ERP systems. It focuses on the correlation between performance expectancy, effort expectancy, social influence, and organizational support in determining ERP system acceptance by end users. This study utilized a quantitative methodology. Data were collected from 392 respondents within a Malaysian shared service center. Multiple regression analysis was conducted employing the UTAUT model and perceived organizational support theory to evaluate and interpret the collected data. The study’s key findings include the significant positive association between performance expectancy and ERP system adoption, reinforcing the influence of effort expectancy on technology adoption. Despite its positive effects, social influence had little effect on end-user adoption. Additionally, it was observed that ERP system adoption was consistently facilitated by organizational support. This study confirms the essential factors that drive the adoption of ERP systems by end-users. It emphasizes the crucial role of leadership in prioritizing these elements for organizations to enhance user acceptance and ensure the successful implementation of ERP systems. Doi: 10.28991/HIJ-2023-04-04-013 Full Text: PDF

Purpose – This study aims to analyze the influence of performance expectancy, effort expectancy, social influence, zakat literacy, and facility conditions on the intention of muzaki to pay zakat using a digital platform. Methodology – Primary data was collected through an online survey involving 144 Jawa. Muzaki has used various online channels to pay zakat and analyzed it using structural equation modeling as the empirical approach. This study used the extended unified theory of acceptance and use of technology (UTAUT) as the theoretical framework. The data analysis technique used in this study is partial least square (PLS) analysis. Findings – The findings indicate that performance expectancy, effort expectancy, social influence, and zakat literacy have a positive influence on the intention of Muslims to pay zakat through online platforms. Meanwhile, the intention to pay zakat and facility conditions have a positive influence on the use of online platforms to pay zakat. Implications – Zakat institutions need to improve digital facilities to make it easier for muzaki to pay zakat Originality – The object of this research focuses on Muslim communities on the island of Java who have fulfilled the requirements as muzaki.

The COVID-19 pandemic has modified the course of digital wallet adoption in the Philippines and has led to changes in consumer behaviors. With this shift, studies about adopting mobile wallets by different populations have emerged due to their importance for companies’ strategies. This study has adopted the model proposed by Elok and Hidayati (2021), which focused on the different factors affecting the customer loyalty of mobile wallet users. In this study, the researcher aims to determine the respondents’ perception on mobile wallets’ performance expectancy, effort expectancy, facilitating conditions, and switching barriers. This study also aims to measure the respondents’ level of habit, trust, customer satisfaction, and customer loyalty on mobile wallets and determine if these constructs have a significant positive effect on customer loyalty. Lastly, as suggested by Elok and Hidayati (2021), this research considered habit, trust, and customer satisfaction as mediating variables among performance expectancy, effort expectancy, and customer loyalty. By distributing physical copies of the survey questionnaire, the researcher was able to gather a total of 110 valid respondents to represent the chosen population of public-school teachers in Pasig City. The results show that the respondents have a very high level of performance expectancy, effort expectancy, facilitating conditions, and customer loyalty. On the other hand, the respondents have a high level of switching barriers, customer satisfaction, trust, and habit. Furthermore, the results also show that the different constructs all significantly affect customer loyalty. This study also identifies that habit, trust, and customer satisfaction have partial mediating effects on performance expectancy, effort expectancy, and customer loyalty. [ABSTRACT FROM AUTHOR]

The rationale of this research is to analyse and observe the factors that persuade millennials' acceptance, adoption and usage of e-banking services in the banking industry in India. This research used primary data gathered from millennials in India. The sampling technique used is judgment sampling. Statistical analysis is conducted using structural equation modeling. The study's findings indicate that effort expectancy, trust, social influence, performance expectancy and perceived risk are the factors that impinge on millennials' behavioural intention of e-banking. The study suggests that effort expectancy, trust, social influence and performance expectancy posit a positive association with the e-banking behavioural intention of millennials in India. On the contrary, perceived risk is in a negative association with the e-banking behavioural intention of the millennials. The study makes a novel contribution to the literature with reference to India, being a pioneer attempt to investigate the factors that affect e-banking acceptance by millennials in Indian banks by extending UTAUT with perceived risk and trust. The present study contributes to the literature on e-banking adoption in India by highlighting that trust plays a crucial role in Indian millennials' intention to adopt e-banking technology in high-power distance country like India. [ABSTRACT FROM AUTHOR]

This article discusses a study that examines the determinants of mobile accounting app acceptance among Saudi wholesalers. The study uses the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) model and integrates the construct of trust. Factors such as performance expectancy, effort expectancy, hedonic motivation, and trust are found to influence users' attitudes towards mobile accounting apps. The study provides insights for mobile app providers and the Saudi wholesaling sector to enhance user experience and build trust. The article also includes a list of references related to mobile accounting app adoption, technology acceptance, customer behavior, and marketing from various countries and industries. [Extracted from the article]

Research has been limited on what factors may make customers feel uncomfortable with using electronic payment systems. The purpose of this research study was to develop a model that analyzed the dimensions of the unifiB01;ed theory of acceptance and use of technology (UTAUT) with extra structures to understand how gender can affect whether consumers decide to embrace cashless payment systems in Thailand. Accordingly, 416 valid answers were submitted by banking customers utilizing the survey instrument. Exploratory factor analysis (EFA) and confirmatory factor analysis (CFA) were employed to kick off the process of creating a measurement model. Structural equation modeling (SEM) was then used to pinpoint the most pressing factors that prevent people from embracing online banking systems. The purpose of this research was to develop a technology acceptance model with extra structures to understand how attitudes and perceived risks affect people's decision-making process as to whether they embrace cashless payment systems in Thailand (i.e., innovativeness). In the second stage, we used a neural network model to rank the importance of various SEM-derived predictions. The results demonstrate a robust association between Internet banking and the value barrier, the risk barrier, and the image barrier. The only factor that indicated any kind of negative influence on whether people chose to use Internet banking was the conventional barrier. Remarkably, the image barrier affected Internet banking adoption more than the risk barrier or the no-frills alternative. Furthermore, according to the data, men experienced greater challenges than women. The findings of this study may help financial institutions create offerings that entice customers to conduct financial dealings with them online. The banking industry could immensely benefit from this research since it may lead to changes in the laws that govern banking and could ultimately enhance customer service and online services. Plain Language Summary: The purpose of this research was to develop a model that would examine a study that used the technology acceptance model with extra structures to understand how attitudes and perceived risk affect people's decisions to embrace cashless payment systems in Thailand (i.e., innovativeness). There were 416 valid answers collected from bank customers utilizing the survey instrument. Exploratory factor analysis (EFA) and confirmatory factor analysis (CFA) were employed to kick off the process of creating a measurement model. Then, structural equation modeling (SEM) was used to pinpoint the most pressing factors preventing people from adopting online banking of this research was to develop a model that would examine a study that used the technology acceptance model with extra structures to understand how attitudes and perceived risk affect people's decisions to embrace cashless payment systems in Thailand (i.e., innovativeness). There were 416 valid answers collected from bank customers utilizing the survey instrument. Exploratory factor analysis (EFA) and confirmatory factor analysis (CFA) were employed to kick off the process of creating a measurement model. Then, structural equation modeling (SEM) was used to pinpoint the most pressing factors preventing people from adopting online banking. In the second stage, we used the neural network model to rank the importance of various SEM derived predictions. The results demonstrate a robust association between Internet banking and the value barrier, the risk barrier, and the image barrier. [ABSTRACT FROM AUTHOR]

This study aims to examine and analyze the effect of effort expectancy and habit on behavioral intention and use behavior based on the point of view of the Unified Theory of Acceptance and Use of Technology 2. The population of this study were 202 owners of LPG bases registered at PT Arba Sons Company in the distribution area of Donggala District. The sample used in this study was 133 samples. The data of this study were obtained from an online questionnaire and measured using a Likert scale. The analytical method used in this research is Partial Least Squares- Structural Equation Modeling. The findings of this study that the direct effect; effort expectancy on behavioral intention is not significant (t:1.341, p:0.181); effort expectancy on use behavior is not significant (t:0.338, p:0.735); habit on behavioral intention is significant (t:8.760, p:0.000); habit on use behavior is not significant (t:0.776, p:0.438); and behavioral intention on use behavior is significant (t:5.234, p:0.000). Indirect effect; effort expectancy on use behavior through behavioral intention is not significant (t:1.303, p:0.193); and habit on use behavior through behavioral intention is significant (t:4.425, p: 0.000). Other findings that; behavioral intention cannot mediate the effect of effort expectancy on use behavior (a*b:not significant, c':not significant) with the type of mediation no mediation; and behavioral intention can mediate the effect of habit on use behavior (a*b:significant, c':not significant) with the type of full mediation. This finding verifies Unified Theory of Acceptance and Use of Technology 2, that the effect of habit on use behavior is mediated by behavioral intention. Habit and behavioral intention are factors for consideration of LPG base owners in using the LinkAja application on an ongoing basis, so that PT Arba Sons Company can maintain it. These two factors can be a reference for PT Fintek Karya Nusantara to develop the LinkAja application to be even better, so that users will use the LinkAja application in their daily lives voluntarily. [ABSTRACT FROM AUTHOR]

The rapid growth and advancement of electronic devices and technologies in the FinTech industry empower new innovative products and services. The covid-19 pandemic could have a devastating effect on Malaysia’s economy, but it has offered additional opportunities for the E-wallet segment of the Fintech business to thrive. The E-wallet segment of FinTech is one of the latest innovations that is currently growing as there is a need for contactless payments during the pandemic situation. The main objective of the study is to examine the factors affecting e-wallet adoption among young adults in Malaysia. A sample of 200 responses was analyzed using Smart PLS 3.0. The findings revealed that the factors of “performance expectancy”, “effort expectancy”, “compatibility”, and “social influence” have a positive and significant impact during the pandemic; however, the factor of “facilitating conditions” has no significant impact on the adoption of the E-wallets. The study substantiates the key and important variables of adoption in order to develop and evolve E-wallet providers' existing services. Particularly, due to the increasing importance of e-commerce, E-wallet service providers are urged to focus on the system's interoperability, which encourages individuals or customers to use the strategy. They should include unique features that allow customers to accept the service, trust its benefits and feel comfortable using the technology. The study is useful to the E-wallet providers to improve the existing services. The findings also guide the companies offering E-wallets to enhance the usage and adoption of their services.

This study aims to investigate the influencing elements of consumers’ behavioral intention to use online food delivery apps in Bangladesh. MS Excel and SPSS were used to calculate the relevant information. The targeted population of this study is the current users of online food delivery apps in Bangladesh. The final sample size is 368, with a response rate of 92%. The information was gathered from the respondents through a web-based survey in Google Forms. Due to the nature of the study object, the purposeful sampling method has been used and is quantitative and exploratory. The results show that five predictors affect consumers’ intention to use food delivery apps. The findings demonstrate that social influence, perceived trust, perceived safety, performance expectancy, and effort expectancy significantly affect the consumers’ usage intention of food delivery apps. The study also found that perceived trust is the strongest predictor of usage intention among five intention predictors. However, following an extensive literature review, only a few studies have been conducted in this context, so there is a deficiency in investigating key influencing factors of users’ motivation to adopt online food delivery apps in Bangladesh. Therefore, this study could be indispensable for app delivery operators, governmental and non-governmental organizations, businesses, and researchers to make policies and strategies to create intention among consumers to use online food delivery apps.