An empirical examination of the moderating role of age and gender in consumer mobile banking use: a cross-national, quantitative study

Seniors' attitudes and intention toward IoT enabled healthcare devices in emerging economies

This study aimed to investigate the factors influencing users' adoption of internet of things-enabled healthcare devices by incorporating two new constructs, perceived product value and perceived technology accuracy, into the united theory of acceptance and use of technology. A total of 772 participants were surveyed using convenience sampling, and partial least squares-structural equation modeling was employed to analyze the data. The results showed that all 'united theory of acceptance and use of technology' constructs, except for performance expectancy, had a significant impact on attitudes toward internet of things-enabled healthcare devices. Similarly, all constructs, apart from effort expectancy and facilitating conditions, substantially affected users' intentions to use such devices. Perceived product value was also a significant predictor of attitude toward and intention to use internet of things enabled devices. Furthermore, the effect of perceived technology accuracy on attitude was significant; however, it was insignificant for intention to use internet of things-enabled devices. Age and gender were found to moderate most relationships. Moreover, attitude towards internet of things-enabled devices was proven to be a significant mediator, except for performance expectancy. The findings provide valuable insights for companies that develop and market internet of things-enabled healthcare devices for older adults.

The role of AI-enabled health systems in the Jordanian context: the case of digital contact tracing apps

PURPOSE

Digital health or digital healthcare, is a broad, multidisciplinary concept that includes concepts from an intersection between technology and healthcare. Digital health applies digital transformation to the healthcare field, incorporating software, hardware and services. The usefulness of digital health technologies such as digital contact tracing apps (CTAs) depends deeply on the acceptance to use them. Accordingly, the main purpose of this study is to explore the usage of CTAs by integrating the protection motivation theory (PMT) and technology acceptance model (TAM) in the Jordanian context.

DESIGN/METHODOLOGY/APPROACH

Partial least squares structural equation modelling was employed to test empirically the integrated research model against data collected from 420 respondents, leading to the identification of the important determinants for the usage of CTAs.

FINDINGS

The results reveal that perceived severity and perceived vulnerability have a significant positive impact on the perceived need for CTAs, which, in turn, affects the individuals' intention to use CTAs. It also reveals that perceived trust in government, perceived privacy and perceived usefulness have a significant positive impact on individuals' intention to use CTAs, which, in turn, affects the usage of CTAs. In contrast, perceived ease of use did not find any significant relationship, and hence hypothesis H7 was not supported. Lastly, social media awareness has a significant positive impact on perceived usefulness and ease of use.

ORIGINALITY/VALUE

This study is considered among the first studies in the Jordanian context that integrate the PMT and TAM to gain a better understanding of the critical determinants for the acceptance and usage of CTAs in the context of pandemics.

Drivers and Obstacles of Consumers' Continuous Participation Intention in Online Pre-Sales: Social Exchange Theory Perspective

This study focuses on the factors influencing consumers' continuous participation willingness in online pre-sale activities. Based on perceived value and social exchange theory, it analyzes how perceived benefits (including practical benefits, hedonic benefits, and social benefits) and perceived costs (including search costs, waiting costs, and adjustment costs) affect consumer satisfaction and their continuous participation intention in online pre-sales. A total of 527 valid questionnaires were collected, and structural equation modeling was used for data analysis. The results indicate that perceived benefits are significantly positively correlated with consumer satisfaction and their willingness to continue participating, while perceived costs are significantly negatively correlated with both aspects. Additionally, the study found that product type moderates the effect of perceived benefits and perceived costs on consumer satisfaction. This research helps retailers understand consumers' willingness to continuously participate in online pre-sales and provides valuable insights for developing pre-sale strategies.

Evaluating the Perceived Quality of Mobile Banking Applications in Croatia: An Empirical Study

Mobile banking is nowadays a standard service provided by banks worldwide because it adds convenience for people. There is no more rushing to a bank or waiting in lines for a simple transaction that can be conducted from anywhere and at any time in the blink of an eye. To be consumed by a respective amount of bank clients regularly, mobile banking applications are required to be continuously improved and updated, be in line with recent security standards, and meet quality requirements. This paper tackles the perceived quality of mobile banking applications that are most commonly used in Croatia and has three objectives in that respect. The first one is to identify the extent to which pragmatic and hedonic dimensions of quality contribute to customers’ satisfaction and their behavioral intentions related to the continuous use of mobile banking applications. The second one is to determine if there are significant differences in the perceived quality between users of diverse mobile banking applications as well as between users who belong to different age groups. The last one is to uncover the advantages and disadvantages of evaluated mobile banking applications. For this purpose, an empirical study was carried out, during which data were collected with an online questionnaire. The sample was composed of 130 participants who are representative and regular users of mobile banking applications. The psychometric features of the proposed research model, which represents an interplay of perceived quality attributes, were tested using the partial least squares structural equation modeling (PLS-SEM) method. Differences in the perceived quality among different mobile banking applications and customers of various age groups were explored with Kruskal–Wallis tests. Pros and cons of mobile banking applications were identified with the help of descriptive statistics. Study findings indicate that, in the context of mobile banking applications used in Croatia, feedback quality and responsiveness contribute to the ease of use, usefulness is affected by both ease of use and efficiency, responsiveness has a significant impact on efficiency while ease of use, usefulness, and security of personal data are predictors of customers’ satisfaction which in turn influences their behavioral intentions. While no significant difference exists in the perceived quality of four examined mobile banking applications, we found a significant difference in the perceived quality among three age groups of users of mobile banking applications. The most commonly reported advantages of mobile banking applications were related to facets of their efficiency and usefulness, whereas their main drawback appeared to be the lack of features dealing with the personalization of offered services. The reported and discussed results of an empirical study can be used as a set of guidelines for future advances in the evaluation and design of mobile banking applications.

A model of extended technology acceptance for behavioral intention toward EVs with gender as a moderator

Technology has contributed significantly to the adoption of EVs (EVs) in the era of industry 4. 0. However, consumer intentions for EVs have been elusive, and the pace of adoption has been confined. Therefore, this study aims to investigate the influence of external factors in promoting customer behavioral intention for EVs. The study also investigates the mediating role of perceived ease of use (PEU) and perceived usefulness (PU) between external factors and consumer intentions for EVs. It also examined the moderating role of gender on the study variables. A study approach based on the expanded version of the technology acceptance model (TAM) was utilized to analyse data from 203 customers in China. The model was tested using structural equation model (SEM) and multigroup analysis (MGA) techniques. The results indicated that two external factors have a positive relationship with TAM constructs. The results also indicate that PEU and PU have a serial mediating relationship between external factors and behavioral intention. Finally, the study revealed gender-related differences in TAM for EVs. The study's findings help managers to design successful strategies by knowing the external factors impacting customer EV intentions and gender differences. Finally, this is a ground-breaking research that applies TAM to the automobile sector. As a result, examining both new and current factors and evaluating them in a new setting adds to the body of the literature on the adoption of technology.

Factors Affecting the Use of Social Networks and Its Effect on Anxiety and Depression among Parents and Their Children: Predictors Using ML, SEM and Extended TAM

Previous research has found support for depression and anxiety associated with social networks. However, little research has explored parents' depression and anxiety constructs as mediators that may account for children's depression and anxiety. The purpose of this paper is to test the influence of different factors on children's depression and anxiety, extending from parents' anxiety and depression in Jordan. The authors recruited 857 parents to complete relevant web survey measures with constructs and items and a model based on different research models TAM and extended with trust, analyzed using SEM, CFA with SPSS and AMOS, and ML methods, using the triangulation method to validate the results and help predict future applications. The authors found support for the structural model whereby behavioral intention to use social media influences the parent's anxiety and depression which correlate to their offspring's anxiety and depression. Behavioral intention to use social media can be enticed by enjoyment, trust, ease of use, usefulness, and social influences. This study is unique in exploring rumination in the context of the relationship between parent-child anxiety and depression due to the use of social networks.

Factors Influencing YouTube as a Learning Tool and Its Influence on Academic Achievement in a Bilingual Environment Using Extended Information Adoption Model (IAM) with ML Prediction—Jordan Case Study

YouTube usage as a learning tool is evident among students. Hence, the goal of this study is to examine the various factors that influence the use of YouTube as a learning tool, which influences academic achievement in a bilingual academic context. Using survey data from 704 YouTube users from Jordan’s bilingual academic institutes, the research model was empirically validated. Using Amos 20, structural equation modeling (SEM) was performed to assess the study hypotheses. SEM permits concurrent checking of the direct and indirect effects of all hypotheses. Confirmatory factor analysis (CFA) was used to validate the instrument items’ properties in addition to machine learning methods: ANN, SMO, the bagging reduced error pruning tree (RepTree), and random forest. The empirical results offer several key findings: academic achievement (AA) is influenced by the information adoption (IA) of YouTube as a learning tool. Information adoption (IA) is influenced by information usefulness (IU). Source credibility (SC) and information quality (IQ) both influence information usefulness (IU), while information language (IL) does not. Information quality (IQ) is influenced by intrinsic, contextual, and accessibility information quality. This study adds to the literature by empirically testing and theorizing the effects of YouTube as a learning tool on the academic achievement of Jordanian university students who are studying in bilingual surroundings.

Provoking Actual Mobile Payment Use in the Middle East

Monetary transactions have advanced into a portable, simple, and comfortable process. Regardless of the advantages of a versatile method of disbursement, the global take-up ratio is inadequate. Consequently, greater insight into the factors that influence acceptance by stakeholders is fundamental for industrialists and scholars. This study analyses the goals and real purpose behind portable disbursement by unifying the definition of its concept, which consolidates the “Mobile Technology Acceptance Model” and the “Theory of Planned Behaviour” as well as an updated profound variable that is more synergistic. The new framework incorporated 12 factors influenced by the user’s insight and was analysed by collecting data based on the PLS-SEM condition mix-mode. Identifying the impact of versatile methods of disbursement will shape essential business choices and the community and will change current lifestyles into contactless ones. This article demonstrates the connection between innovative factors and human preferences concerning the use of portable disbursement. Interestingly, we embrace this uniqueness for an incorporated framework that consolidates MTAM as well as the TPB.

Digital Financial Inclusion Sustainability in Jordanian Context

Digital Financial Inclusion (DFI) refers to efforts to make digital financial services available and affordable to all individuals and institutions, regardless of their net expense or institution size and demographic location. Despite the immense benefits of DFI and DFI-based products and services such as mobile money and payment systems, users’ acceptance is thin, limited, and disappointing in some developing countries as Jordan. Consequently, this study has investigated the factors influencing the acceptance of the mobile payment system in the Jordanian context. This study’s research model synthesizes the Technology Acceptance Model (TAM) variables and extended the model with perceived financial cost as an independent variable. The research model has been empirically confirmed by fitting the model to data collected from 304 Jordanian citizens using a survey instrument. The data were analysed using Partial Least Squares-Structural Equation Modelling (PLS-SEM). The result has confirmed that behavioural intention to use the m-payment system is significantly and positively influenced by perceived usefulness and perceived financial cost; behavioural intention to use m-payment system was not found to be significantly and positively influenced by perceived ease of use and hence the related hypothesis was not supported. Finally, conclusions and recommendations are further discussed in the last section of this paper.

The post-adoption behavior of internet banking users through the eyes of self-determination theory and expectation confirmation model

Purpose

In this era of digital technology, the banking sector has revolutionized its operations by using web-based Internet banking services. However, the success of these financial services is dependent on Internet banking user continuance intention instead of initial adoption. The current study develops a theoretical framework based on three well-known theories, namely the expectation–confirmation theory, self-determination theory (SDT) and the commitment trust theory, to investigate Internet banking user continuance intention towards use of Internet banking services.

Design/methodology/approach

Following positivist paradigm, a research survey was conducted towards Internet banking users of commercial banks. In response, 355 valid observations were retrieved and used for data analysis. For data analysis, this study has used a latest statistical approach, namely structural equation modelling (SEM).

Findings

This study has confirmed that factors underpinning the commitment trust theory, SDT and expectation–confirmation model have significant impact on Internet banking user continuance intention. The research model explained 68.4% of variance in determining Internet banking user continuance intention, which is substantial. The effect size analysis (f2) indicates that perceived usefulness is the most important factor among all other exogenous variables. The predictive relevance of the research model was found substantial Q2 50.3%. These findings confirmed that the research model has substantial power to predict Internet banking user continuance intention.

Practical implications

From a managerial perspective, findings of this research give deeper insight into financial advisors, bank managers and policy- makers to understand human motivation and expectation–confirmation factors in order to retain customers and gain return on Information Technology (IT) investment. Additionally, results suggest that attention should be given on user trust, which in turn boosts user intention towards continuance use of Internet banking services. Extension of the self-determination framework contributes to theory and augments e-commerce literature, especially in a post-adoption setting.

Originality/value

There are several studies that investigate Internet banking user pre-adoption behaviour. Therefore, less is discussed about the Internet banking user’s post-adoption behaviour. Findings of this study help financial advisors to comprehensively understand which factor influences Internet banking user behaviour towards continue use of Internet banking services.