Background: The emerging cryptocurrency market becomes more and more recognized around the globe. Therefore, it has become of great interest to policymakers, institutional investors, and individual investors. The new encrypted blockchain technology offers individual investors contemporary opportunities to invest contrary to traditional means. However, the volatile market presents instabilities and uncertainty for market participants creating a research gap for academics to investigate what poses these difficulties.  Purpose: The objective of the study is to investigate the determinants that affect individual investors' adoption intention of Bitcoin. By incorporating theories to understand investment behaviors and attitudes.  Methodology: The thesis utilized a quantitative methodology and collected data through an online questionnaire with the help of a Likert-scale instrument. The survey participants ended with a number of 114 respondents that are characterized as young adult investors. Interpretation and evaluation of the results were analyzed through an OLS linear regression with the help of a software program, Minitab.  Findings: Theresearchquestionwasansweredtoasatisfactorylevel,whereresultsattested to past works of literatures. The study found that consumer characteristic is a driving cause for individual investors' adoption intention of Bitcoin. To elaborate, subjective norms of individuals navigate their attitude towards Bitcoin, and investors’ peers’ opinions and acceptance play a crucial role in their engagement in the market. The herding trend was the most significant variable that contributed to investors’ adoption intention. The results also showed a significant correlation toward the technology acceptance model. Nonetheless, the study lacked empirical evidence to support market characteristics steering private investors’ adoption intention.  Implications & Future Research suggestions: The main implications of the study were factors that regarded data collection and methods. Due to a time limitation, the survey was not available for a longer period of time, a longitudinal study could be of interest whilst incorporating more consumer characteristics into the analysis. In addition, future scholars ought to focus on market characteristics and how they influence varying cryptocurrencies such as Ethereum and Tether alongside Bitcoin. To conclude, a larger scope of the study could bring about more significant results and interesting findings.

Sverige är idag i framkant av den mobila betalningsteknologin, trots det råder få studier på området som genomförts i Sverige. Samtidigt visar tidigare studier att demografiska faktorer påverkar hur saker och ting uppfattas. Därför har faktorerna ålder, kön och utbildning studerats i förhållande till risk, tillit och servicekvalitet med mobila betalningsapplikationer. Studien grundas i en deduktiv forskningsansats och är en kvalitativ undersökningsmetod. Det empiriska materialet har samlats in genom fokusgrupper baserat på ålder. Urval av deltagare har gjorts genom bekvämlighetsurval. Insamlad data har analyserats genom innehållsanalys. Dessutom har studiens validitet och reliabilitet resonerats kring, även etiska överväganden. Resultatet av studien visar att demografiska faktorer påverkar i viss utsträckning. Ålder och utbildning påverkar hur risk och tillit uppfattas. Däremot påträffas inte kön som en demografisk faktor som påverkar upplevd risk, tillit eller servicekvalitet. Studien visar också att andra demografiska faktorer påverkar, i den här studien framträder Sverige och dess infrastruktur som en betydande faktor till upplevd risk, tillit och servicekvalitet med mobila betalningsapplikationer. / Sweden is today in the forefront of mobile payment technology, despite that, there are few studies in the area that have been conducted in Sweden. At the same time, previous studies show that demographic factors affect how things are perceived, therefore the factors age, gender and education have been studied in relation to risk, trust and service quality with mobile payment applications. The study is based on a deductible research effort and is a qualitative survey method. The empirical material has been collected through focus groups based on age. Selection of participants has been made by convenience checkout. The collected data has been analyzed by content analysis. In addition, the validity and reliability of the study have been resonated, including ethical considerations. The result of the study shows that demographic factors affect to a certain extent. Age and education affect how risk and confidence are perceived. However, gender is not found as a demographic factor that affects perceived risk, trust or service quality. The study also shows that other demographic factors influence, in this study, Sweden and its infrastructure appear to be a significant factor in perceived risk, trust and service quality with mobile payment applications.

Technology has been an integral part of human life since the 19th century’s Industrial Revolution, and the advancement of technologies has continued into the 21st century. Of all new emerging technologies, the computer has been identified as the most important, most complex and fastest emerging technology. In order for businesses to compete and survive within the business world, they are compelled to adopt new computer technologies. However, computers alone cannot improve organisational performance. Computers need to be accepted, optimally used and utilised by employees in order for an organisation to succeed. One such technology is SAP AG’s Enterprise Resource Planning (ERP) system which is a real-time, fully integrated business system used by more than 170 000 organisations in 120 countries. Measuring information system success has been a concern since its inception due to its complexity and difficulty to appraise. Researchers traditionally attempted to measure success by the delivering of a functional information system product within certain monetary and time constraints. Subsequently, evidence suggested that a more accurate measure of success lies within the field of system use. One model of assessing and predicting user acceptance and which has gained popularity in recent years is the Technology Acceptance Model (TAM). Apart from accepting the SAP ERP system, users should also be of the intention to continuously use it as a job requirement. The model for measuring user commitment is psychological attachment which determines whether the commitment is insincere and temporary, or long-lasting. Further, not only do users need to accept and continuously use an information technology like SAP ERP; they also need to be able to cope while using it. If not, psychological stress known as techno stress develops and prevents the optimal use of this system. With these three possible explanations for computer technology avoidance as a premise of departure, this study aims to determine the congruence, if any, between the sub-constructs of the TAM (perceived ease of use, perceived usefulness, attitude toward using, behavioural intention to use and actual system use), psychological attachment (compliance, identification and internalisation), and techno stress (negative computer thoughts) within a South African SAP ERP user environment. A cross-sectional survey design was used rendering a convenience sample of N = 241 from among the SAP ERP user fraternity at a South African steel manufacturer. The measuring instruments used were the 23-item Technology Acceptance Questionnaire (TAM), the 10-item Psychological Attachment Questionnaire (PAQ) and the 20-item Computer Thoughts Survey (CTS-C). Study 1 which was a literature review confirmed conceptual congruence in that although the technology acceptance model was the most parsimonious, powerful and widely applied theoretical model, it was constrained due to the omission of social influence (psychological attachment) as a contributing factor in the processes of behavioural change towards technology acceptance. Furthermore, it was found that techno stress lowers employee efficiency and creates dissonance in the work environment, resulting in acceptance, hesitance or resistance towards the technology in question. Congruence was established between the system itself (technology acceptance), social relationships (psychological acceptance), and inherent psychological stress (techno stress). The aim of study 2 was to test the technology acceptance model within a South African SAP ERP user environment. Structural equation modelling confirmed that positive inter-construct relationships exist between all TAM constructs. Actual system use, which is the measurement for technology acceptance, was directly affected by behavioural intention to use and indirectly by perceived usefulness. In turn, behavioural intention to use was directly affected by perceived usefulness, attitude toward using and indirectly by perceived ease of use. Attitude toward using was directly affected by perceived ease of use and perceived usefulness. Perceived usefulness was directly affected by perceived ease of use. Study 3 revealed that internalisation had a direct positive effect on behavioural intention to use and an indirect effect on actual system use via behavioural intention to use. Furthermore, in this study identification had direct positive effects on internalisation, perceived usefulness, perceived ease of use and actual system use. Indirect effects emerged between identification and behavioural intention to use via internalisation as well as behavioural intention to use via perceived usefulness. Compliance, on the other hand, had negligible, negative direct effects on all TAM constructs of which the most prominent was that on attitude toward using. Results acquired from structural equation modelling in study four confirmed that weak negative relationships existed between techno stress and all TAM constructs. This finding is contrary to other studies and can be attributed to the fact that participants in this study were at large, proficient around SAP ERP and therefore experienced low levels of techno stress. Furthermore, aspects such as effective training, clear deadlines, effective teamwork, recurrent performance evaluations, job security, career development and realistic job load are all antidotes for techno stress which is believed to be current within the participant fraternity. In a concluding chapter the conclusions derived from the literature review, as well as the empirical research were presented and recommendations flowing from this research study were made. / PhD (Psychology), North-West University, Vaal Triangle Campus, 2014

Syftet med denna studie var att undersöka framtidsutsikter och utmaningar för kontaktlös betalningsmetod som är NFC-baserad. Detta mynnade ut i frågor som undersökte kring varför enbart ett fåtal banker valt att satsa på kontaktlösa betalkort, vilka utmaningar som NFC-baserade betalningar står inför i den svenska marknaden och även vilka framtidsutsikter den kontaktlösa betalningsmetoden har i den svenska betalningsbranschen. För att svara på dessa frågor, tillämpades en kvalitativ fallstudie med semistrukturerade intervjuer. Två respondenter från varsin bank som infört kontaktlös betalningsmetod i Sverige intervjuades, likaså en respondent från en bank som inte hade infört kontaktlös betalningsmetod i Sverige och ytterligare två respondenter från en annan bank som inte infört kontaktlösa betalningsmetoder i Sverige. Utöver detta, intervjuades även en forskare från Sveriges riksbank och en konsult som arbetar inom ett forum för kontaktlös betalningsmetod. Studien påvisade att anledningen till att ett fåtal banker erbjudit kontaktlös betalningsmetod till sina kunder var till följd av att Sverige varit relativt sena med att byta från magnetremsa som betalningsmetod till chip och PIN, vilket gjort att man ogärna investerade i kontaktlös betalningsmetod. Utmaningar som kontaktlös betalningsmetod står inför är att se till att infrastrukturen utökas i Sverige samt informera kunder om kontaktlös betalningsmetod. Framtidsutsikterna för kontaktlös betalningsmetod är positiva och tanken bland flera aktörer är att kontaktlös betalningsmetod ska vara väldigt utbrett i Sverige år 2020. / The purpose of this research was to investigate future prospects and challenges regarding contactless payment method which is based on NFC. These lead to the formulation of questions which researched why only a few banks had chosen to employ contactless payment cards, which challenges that NFC-based payments are facing in the Swedish market, and also which future prospects the contactless payment method has in the Swedish payment market. In order to answer these questions, a qualitative case study with semi-structured interviews was utilized. Interviews were conducted with two respondents from respective banks which had introduced contactless payment in Sweden while additional interviews were conducted with one respondent from a bank which had not introduced contactless payment in Sweden and two respondents from another bank which had not introduced contactless payment methods in Sweden. In addition to this, one respondent from the central bank of Sweden and one consultant working within a forum regarding contactless payment have been interviewed. The study showed that the reason to why few banks have offered contactless payment method to their customers was due to that Sweden had been relatively late in regards to changing from magnetic strip as a payment method to chip and PIN, which resulted in that the market participants did not wish to invest in the contactless payment method. Challenges which the contactless payment method is facing, is to make sure that the infrastructure will be increased in Sweden, and inform customers about the contactless payment method. The future prospects for the contactless payment methods are positive and the intention among several market participants is that the contactless payment method will be very widespread in Sweden 2020.

Technology has been an integral part of human life since the 19th century’s Industrial Revolution, and the advancement of technologies has continued into the 21st century. Of all new emerging technologies, the computer has been identified as the most important, most complex and fastest emerging technology. In order for businesses to compete and survive within the business world, they are compelled to adopt new computer technologies. However, computers alone cannot improve organisational performance. Computers need to be accepted, optimally used and utilised by employees in order for an organisation to succeed. One such technology is SAP AG’s Enterprise Resource Planning (ERP) system which is a real-time, fully integrated business system used by more than 170 000 organisations in 120 countries. Measuring information system success has been a concern since its inception due to its complexity and difficulty to appraise. Researchers traditionally attempted to measure success by the delivering of a functional information system product within certain monetary and time constraints. Subsequently, evidence suggested that a more accurate measure of success lies within the field of system use. One model of assessing and predicting user acceptance and which has gained popularity in recent years is the Technology Acceptance Model (TAM). Apart from accepting the SAP ERP system, users should also be of the intention to continuously use it as a job requirement. The model for measuring user commitment is psychological attachment which determines whether the commitment is insincere and temporary, or long-lasting. Further, not only do users need to accept and continuously use an information technology like SAP ERP; they also need to be able to cope while using it. If not, psychological stress known as techno stress develops and prevents the optimal use of this system. With these three possible explanations for computer technology avoidance as a premise of departure, this study aims to determine the congruence, if any, between the sub-constructs of the TAM (perceived ease of use, perceived usefulness, attitude toward using, behavioural intention to use and actual system use), psychological attachment (compliance, identification and internalisation), and techno stress (negative computer thoughts) within a South African SAP ERP user environment. A cross-sectional survey design was used rendering a convenience sample of N = 241 from among the SAP ERP user fraternity at a South African steel manufacturer. The measuring instruments used were the 23-item Technology Acceptance Questionnaire (TAM), the 10-item Psychological Attachment Questionnaire (PAQ) and the 20-item Computer Thoughts Survey (CTS-C). Study 1 which was a literature review confirmed conceptual congruence in that although the technology acceptance model was the most parsimonious, powerful and widely applied theoretical model, it was constrained due to the omission of social influence (psychological attachment) as a contributing factor in the processes of behavioural change towards technology acceptance. Furthermore, it was found that techno stress lowers employee efficiency and creates dissonance in the work environment, resulting in acceptance, hesitance or resistance towards the technology in question. Congruence was established between the system itself (technology acceptance), social relationships (psychological acceptance), and inherent psychological stress (techno stress). The aim of study 2 was to test the technology acceptance model within a South African SAP ERP user environment. Structural equation modelling confirmed that positive inter-construct relationships exist between all TAM constructs. Actual system use, which is the measurement for technology acceptance, was directly affected by behavioural intention to use and indirectly by perceived usefulness. In turn, behavioural intention to use was directly affected by perceived usefulness, attitude toward using and indirectly by perceived ease of use. Attitude toward using was directly affected by perceived ease of use and perceived usefulness. Perceived usefulness was directly affected by perceived ease of use. Study 3 revealed that internalisation had a direct positive effect on behavioural intention to use and an indirect effect on actual system use via behavioural intention to use. Furthermore, in this study identification had direct positive effects on internalisation, perceived usefulness, perceived ease of use and actual system use. Indirect effects emerged between identification and behavioural intention to use via internalisation as well as behavioural intention to use via perceived usefulness. Compliance, on the other hand, had negligible, negative direct effects on all TAM constructs of which the most prominent was that on attitude toward using. Results acquired from structural equation modelling in study four confirmed that weak negative relationships existed between techno stress and all TAM constructs. This finding is contrary to other studies and can be attributed to the fact that participants in this study were at large, proficient around SAP ERP and therefore experienced low levels of techno stress. Furthermore, aspects such as effective training, clear deadlines, effective teamwork, recurrent performance evaluations, job security, career development and realistic job load are all antidotes for techno stress which is believed to be current within the participant fraternity. In a concluding chapter the conclusions derived from the literature review, as well as the empirical research were presented and recommendations flowing from this research study were made. / PhD (Psychology), North-West University, Vaal Triangle Campus, 2014

En la actualidad, las entidades financieras están incentivando a sus clientes a optar por canales digitales. En este sentido, los aplicativos de banca móvil permiten a los usuarios realizar transacciones en cualquier lugar y momento desde un dispositivo móvil. La presente investigación, busca identificar los factores de mobile marketing que influyen en la intención de uso y que conllevan a la satisfacción de los usuarios de banca móvil en Lima Metropolitana. Por ende, los factores considerados en la investigación son: personalización, movilidad, compatibilidad y localización. Para ello, el presente trabajo ofrece un balance bibliográfico que se centra en describir cada factor propuesto. En este sentido, se propone una encuesta digital sobre la percepción de los usuarios de la banca móvil y la elaboración de un focus group. Asimismo, se muestran las principales evidencias sobre el contenido de las principales entidades bancarias en sus redes sociales, las cuales hacen referencia a los factores de estudio. / Currently, financial institutions are encouraging their clients to opt for digital channels. In this sense, mobile banking applications allow users to make transactions anywhere and anytime from a mobile device. This research seeks to identify the mobile marketing factors that influence the intention to use and that lead to the satisfaction of mobile banking users in Metropolitan Lima. Therefore, the factors considered in the research are: personalization, mobility, compatibility and location. For this, this work offers a bibliographic balance that focuses on describing each proposed factor. In this sense, a digital survey on the perception of users of mobile banking and the development of a focus group is proposed. Likewise, the main evidence on the content of the main banking entities in their social networks is shown, which refer to the study factors. / Trabajo de investigación

This thesis expands on previous research and designs of avatar-based child interview training software. The goal of the thesis was to identify requirements, identify technologies and evaluate the likelihood of acceptance of a distribution ready software that would enhance role-play training exercises commonly used for child interview training. After identifying the requirements needed to create this type of application the needed technologies for solving those requirements were identified and one prototype and two production ready applications were developed. The production ready versions were distributed in an official capacity through AvBIT Labs Ab. Each version was evaluated using the technological acceptance model (TAM) in order to determine likelihood of acceptance in relevant industries. The TAM survey, USE survey and correspondence with experts were used to evaluate missing requirements and the likelihood of software acceptance. The research conducted in this thesis directly contributed to the founding of AvBIT Labs AB and the distribution of the AvBIT application to both governmental and non-governmental organizations, seeking to enhance their child interview training, throughout Europe.