This study focuses on the implementation of Learning Management System (LMS) in the higher education sector in Iraq. Its aim is to develop a policy adoption framework for LMS implementation by scientifically investigating LMS adoption using a model that combines the principles of the Technology Acceptance Model (TAM) and Technology-Organisation-Environment (TOE) framework. The research methodology comprises of seven stages that adopts the interpretive paradigm and a mixed-methods research design. A case study design is used to investigate LMS integration in the University of Al-Qadisiyah. A TAM-TOE questionnaire is developed for the academic staff of the University of Al-Qadisiyah, in which the perceived usefulness and perceived ease of use of LMS are analysed in the case organisation. The technological, organisational, and environmental aspects of LMS implementation are also examined. The survey received valid responses from 283 academic staff. In-depth semi-structured interviews of 8 academics, administrative staff and IT personnel contributed to the qualitative data. The survey respondents are selected using stratified sampling whilst purposive sampling is used to select the interview participants. The questionnaire data was analysed using correlation analysis, whilst thematic analysis is used for the interview data. The study identifies the barriers to LMS implementation as: Lack of or limited teachers’ training, lack of commitment to constructivist pedagogy, lack of experience to use the new technology, lack of technical support, and lack of appropriate educational software. These results feed into the policy framework design. The contribution to research knowledge includes the creation of a new adoption model derived from TAM and TOE to examine the LMS implementation barriers in a war recovering economy like Iraq. This approach the integration of academic users’ acceptance with macro-level factors like government support. The results lease to the development of the LMS policy framework to guide policy makers to prioritise their limited LMS investments. The novelty of the work is the bringing together the considerations of the individual users and the socio-economic context.

[pt] A crescente importância da utilização de smartphones e tablets no dia a dia do consumidor vem sendo enfocada nos estudos referentes à internet como um canal de informação, compra e venda de serviços de turismo. Entretanto, ainda há uma lacunanas pesquisas em relação às motivações e barreiras que levam os consumidores a usar aplicativos móveis financeiros. A hipótese central deste estudo é de que a intenção de confiar no uso de aplicativos móveis bancários tem um papel fundamental na formação da intenção de uso do mobile banking. A partir da análise da literatura, são identificados e selecionados antecedentes de maior relevância na decisão do uso do mobile banking. Com base nestes, então, foi proposto um modelo estrutural e foram formuladas oito hipóteses relacionando os construtos utilizados e seus efeitos sobre a intenção de confiar e a adoção do mobile banking. Todas as hipóteses foram testadas por meio de equações estruturais com base nos dados de uma pesquisa (survey), que resultou em uma amostra de 272 usuários de aplicativos móveis financeiros residentes na cidade do Rio de Janeiro (RJ). Os resultados obtidos confirmaram a maior parte das hipóteses formuladas, e relações significativas foram verificadas entre o construto confiança e os demais construtos abordados, as quais influenciam significativamente a intenção de uso de serviços bancários que empregam o mobile banking. / [en] The growing importance of the use of smartphones and tablets on the consumer s everyday life has been focused on the studies on the Internet as an information channel, purchase and sale of tourism-related services. However, there is still a gap in research regarding the motivation and barriers that lead consumers to use financial mobile apps. The central hypothesis of this study is that the intention of relying on the use of mobile banking app has a key role in shaping the mobile banking usage intention. From the literature review, the most relevant backgrounds in deciding the use of mobile banking are identified and selected. Based on these, a structural model was proposed and eight hypotheses were formulated, listing the constructs used and their effect on the intention of trust and the adoption of mobile banking. All hypotheses were tested using structural equations based on data from a survey made with 272 users of financial mobile apps, resident in the city of Rio de Janeiro (RJ). The results confirmed that most of the assumptions made, and significant relationships, were observed between the construct confidence and the other addressed constructs, which significantly influence the intended use of banking services through mobile banking.

Instructors' use of e-learning systems in higher education institutions is a central concern of researchers, academicians, and practitioners. Higher education institutions are investing substantial resources to incorporate and maintain the infrastructure of e-learning systems; however, instructors' use of e-learning systems in two-year colleges is relatively limited. In this context, the goal of this study was to investigate the factors that may affect instructors' intention to use e-learning systems in two-year colleges. Based on literature review on technology acceptance, this study proposed a theoretical model predicting instructors' intention to use e-learning systems in two-year colleges based on their resistance to change, perceived value of e-learning systems, computer self-efficacy (CSE), and attitude toward e-learning systems. Consequently, this study investigated the effect of four independent variables on the dependent variable, intention to use e-learning systems. A Web-based survey was designed to empirically assess the effect of aforementioned constructs on instructors' intention to use e-learning systems in two-year colleges. The Web-based survey was developed as a multi-item measure using Likert-type scales. Existing validated scales were used to develop the Web-based survey. The target population of this study was instructors of public and private two-year colleges. The sample for this study was 119 (over 41% response rate) full-time, part-time, and adjunct instructors in different academic departments at a two-year college. Two statistical methods were used to formulate and test predictive models: Multiple Linear Regression (MLR) and Ordinal Logistic Regression (OLR). Both MLR and OLR results showed that the theoretical model was able to predict instructors' intention to use e-learning systems. All four independent variables have significant effects on the dependent variable. Results of both analyses were consistent on resistance to change as having the greatest weight on predicting instructors' intention to use e-learning systems, while CSE in both analyses was found to have the least weight. This study contributes to the body of knowledge by providing empirical results for the key constructs that affect two-year college instructors' intention to use e-learning systems. Results of this research may also help IT practitioners to concentrate their efforts on ways to address resistance to change as it was found to be the most significant factor affecting e-learning accepted by two-year college instructors.

In times when traditional saving accounts are no longer attractive due to the current interest rates, robo-advisors appears to be an alternative investment utility. Robo-advisor has made investment advisory services available to the general public by offering automated system to allocate assets that is tailored to each individual’s investment needs and risk profile. The successful implementation of robo-advisors depends heavily on the extent of how much customers are fully motivated to use these services. The purpose of this study is to identify factors that affect Swedish consumers intention to use robo-advisors using UTAUT (unified theory of acceptance and use 2) with the extended factors perceived risk and trust. The results indicate that performance expectancy, facilitating conditions, hedonic motivation and perceived risk influence how Swedish consumers formulate their behavioral intention to use robo-advisors. / I samband med det låga ränteläget har traditionella sparkonton blivit mindre attraktiva och genererat en ökad efterfråga bland konsumenter på nya investeringsalternativ. Finansiell robotrådgivning har gjort investeringsrådgivning tillgängligt för allmänheten genom att erbjuda automatiserade system för portföljförvaltning. Framgångsrik etablering av finansiella robotrådgivningstjänster beror i vilken utsträckning potentiella kunder är motiverande att börja använda dessa system. Syftet med denna studie är att undersöka vilka faktorer som påverkar svenska konsumenters intention till användning av finansiella robotrådgivningstjänster. Studiens undersökningsmodell är baserad på the unified theory of acceptance and use 2 (UTAUT2), med adderade faktorer: uppfattad risk och tillit. Data samlades in via en surveyundersökning och tolkades med hjälp av Partial Least Square Structual Equation Modelling (PLS-SEM). Resultatet indikerar att förväntad prestation, underlättande förutsättningar, hedonisk motivation och uppfattad risk har betydande effekt för hur intention till användning formas.

Increased participation in various social media platforms have led to large amounts of user data being generated, creating an opportunity for businesses that run the platforms to store and sell the data. This has created a situation where users are forced to weigh the benefits of using the platforms against sharing their personal information, which is a risk to their privacy. To address this issue, this study investigates how users weigh usability benefits against the perceived risks of sharing personal information. A case study was conducted on platforms run by Facebook (FP). Data collection was done through interviews and by gathering previous research before the result was analyzed using a qualitative method. The interview questions addressed usefulness, perceived risk and integrity management and were, among other research, formulated from the Technology Acceptance Model. The study made several interesting findings about usefulness, users’ need for integrity and how they perceive and tolerate various risks. Conclusions could then be drawn about how these findings affect users’ decision making process regarding their intention to use FP.

Background: Emerging in December 2019, the COVID-19 pandemic profoundly changed consumer behaviour leading to social distancing and mitigating physical contact. Statistics show an increased use of contactless and mobile payment usage and adoption during the pandemic. It is unclear how valid previous models on mobile payment adoption explain adoption behaviour in emergency situations. While there are few studies approaching the adoption behaviour during the pandemic, there is also little previous research on mobile payment adoption prior to the pandemic in Germany. Purpose: The present thesis intends to advance several previously researched technological adoption frameworks to focus on and measure consumers’ perception of mobile payment technology adopting during the COVID-19 pandemic. Hence, our model provides a basis to understand mobile payment adoption in Germany during the pandemic. Method: Based on hypotheses derived from an adapted UTAUT2 model, we conducted quantitative deductive research reaching 258 questionnaire participants based in Germany. The empirical data was analysed through structural equation modelling. Conclusion: The findings show that Performance Expectancy still represents the primary driver of intention to adopt mobile payments during the pandemic, yet it is strongly supported by the initially contextualised Contamination Avoidance element and complemented by Habit, Effort Expectancy. Practitioners benefit from the study to better tailor campaigns in accordance with the main driver of adoption behaviour, while our findings contribute new insights into technology adoption in Germany during emergency situations.

El presente estudio de investigación tiene como finalidad evaluar la relación entre las variables de facilidad de uso percibida, confianza, utilidad percibida en relación a la intención de uso conductual de aplicaciones móviles de taxis en Lima Metropolitana. Asimismo, está investigación se basa en explicar la relación entre las variables mencionadas y cómo influye en el consumidor peruano al momento de hacer uso de aplicativos de taxis. Por este motivo, se realizará un estudio cuantitativo con alcance correlacional y estudio transversal. Este, se realizará mediante encuestas y se medirá con la escala de Likert del 1-7. Por último, para está investigación se tomará en consideración una muestra de 400 personas entre hombres y mujeres que soliciten al menos 3 veces a la semana servicios de taxis por aplicación. / The present research study aims to evaluate the relationship between the variables of perceived ease of use, trust, and perceived utility in relation to the intention of behavioral use of mobile taxi applications in Metropolitan Lima. Likewise, this research is based on explaining the relationship between the indicated variables and how it influences the Peruvian consumer when using taxi applications. For this reason, a quantitative study with a correlational scope and a cross-sectional study will be carried out. This will be done through surveys and will be measured with the 1-7 Likert scale. Finally, for this research, a sample of 400 people between men and women who request at least 3 times a week taxi services per application will be taken into consideration. / Trabajo de investigación

La presente investigación indaga la relación y evaluar los efectos entre las variables Performance Expectanc, Effort expectancy ,Social Influence,Facilitating conditions en el Behavioral Intention y la influencia de esta variable en Use behavior de uso del Mobile Assisted Language Learning (MALL). Esta investigación pretende determinar la relación de las variables anteriormente mencionadas utilizando el modelo UTAUT, el cual es una teoría de aceptación y uso de la tecnología, para el aprendizaje y estudio de idiomas. La metodología tiene un alcance correlacional y es cuantitativa transversal. El instrumento de recopilación de datos es a través de encuestas, con un total de 400 cuestionarios realizados. El universo de estudio son jóvenes mayores de edad que utilicen o hayan utilizado aplicaciones móviles para el aprendizaje de idiomas en Lima Metropolitana. / The present research investigates the relationship and evaluates the effects between the variables Performance Expectancy, Effort expectancy ,Social Influence,Facilitating conditions in the Behavioral Intention and the influence of this variable in Use behavior of use of the Mobile Assisted Language Learning (MALL). This research aims to determine the relationship of the aforementioned variables using the UTAUT model, which is a theory of acceptance and use of technology, for language learning and study. The methodology has a correlational scope and is quantitative transversal. The data collection tool is through surveys, with a total of 400 questionnaires completed. The universe of study are young adults who use or have used mobile applications for language learning in Metropolitan Lima. / Trabajo de investigación

M. Tech. (Department of Information and Communication Technology, Faculty of Applied and Computer Sciences), Vaal University of Technology. / Mobile devices are rapidly becoming a key computing platform, transforming how people access business and personal information. Accessing business and personal data using mobile devices requires authentication that is secure. The world is rapidly becoming connected and all users of mobile devices need to be clear regarding individual data security. As a result, biometrics for mobile devices has come into existence. Biometric technology can be applied on mobile devices to improve the trustworthiness of wireless services. Furthermore, it is of great importance and necessary to start paying attention to and investing in mobile biometric technologies, as they are quickly turning into tools of choice for productivity. In the literature review, it shows that few studies measured the acceptance of biometric authentication technology on mobile devices. This study seeks to find out the perceptions as to the acceptance of biometric authentication technology on mobile devices. TAM2 was used as the foundation for generating the hypothesis and developing the conceptual framework for this study. This quantitative study used a survey-based questionnaire to collect data from 305 participants. The simple random sampling technique was used to select participants for this study. The response rate was 98% of the expected population, which was a total of 302 valid responses. A descriptive analysis was deployed to provide a description of respondents’ demographic characteristics. SPSS was used to compute the multiple regressions in order to evaluate the research hypotheses. The findings of this study revealed that perceived humanness, perceived interactivity, perceived social presence, perceived ease of use and subjective social norm, and perceived usefulness and trust are important determinants of customers’ intention to accept and use mobile biometric devices. It was found that reliability is a good predictor of trust. On the other hand privacy, identity theft and combining data are also important determinants of trust. This work can be used to strengthen biometric authentication technology in-cooperation with mobile devices for simplicity of use. Since most mobile devices are used for personal and business information, further research on the acceptance of biometric authentication technology on mobile devices is needed.

Fashion retail stores are one of the settings where technology innovation is implemented to make the in-store experience more efficient than before. One of the innovations that are becoming increasingly common is self-service checkouts. Generation Z is the upcoming and new buying force for the retailers to target and this is what has been the foundation for the orientation of this thesis. The purpose of the research has been to examine factors that influence Generation Z usage of self-service checkouts in fashion retail stores in Sweden. In order to investigate this, the authors developed six hypotheses from previous research about convenience, time efficiency, attitude towards technology, subjective norms, interaction avoidance and fear of failure. The primary data presented in the chapter for empirical findings were gained through a questionnaire where 384 respondents participated. The data was analyzed in the statistical software program SPSS in order to test the hypotheses. The findings were presented in the analysis chapter where it also was discussed with the literature to be able to identify if there were any similarities or differences. The conclusion of this thesis shows that there are different factors that are influencing Generation Z to use self-service checkouts in fashion retail stores. Convenience emerges as the strongest influencing factor, while fear of failure holds the least influence on Generation Z's intention to utilize self-service checkouts. These findings aim to assist fashion retail companies in understanding the critical considerations when implementing self-service checkouts in-store.