Yes / The key objective of this study is to propose and examine a conceptual model that best explains the key factors influencing Jordanian customers’ intentions and adoption of Internet banking. The conceptual model proposed was based on the extended Unified Theory of Acceptance and Use of Technology (UTAUT2). This was further extended by adding perceived risk as an external factor. Structural equation modelling (SEM) was conducted to analyse the data collected from the field survey questionnaires administered to a convenience sample of Jordanian banking customers. The results show that behavioural intention is significantly influenced by performance expectancy, effort expectancy, hedonic motivation, price value and perceived risk; however, social influence does not have a significant impact on behavioural intention. This study offers Jordanian banks some guidelines for designing and marketing such channel in order to enhance their acceptance by their customers.

Yes / Banks seem to be one of the most business that are really interested in such systems to provide their customers better services as well as to enhance their effectiveness and efficiency. However, the successful implementation of Mobile banking largely depends on the extent of how much customers are fully motivated to adopt it. In fact, over the Jordanian context, the adoption rate of mobile banking is very low and quite few studies that have examined the related issues of mobile banking. Thus, the purpose of this study is to investigate the factors influencing behavioural intention and adoption of Mobile banking by customers of Jordanian banks. The proposed model has assimilated factors from the extended Unified Theory of Acceptance and Use of Technology (UTAUT2) along with trust. Data was collected by conducting a field survey questionnaire completed by 343 participants. The results mainly showed that behavioural intention is significantly and positively influenced by performance expectancy, effort expectancy, hedonic motivation, price value and trust. This study also looking forward to providing the Jordanian banks with applicable guidelines for effectively implementing and designing Mobile banking. Furthermore, research limitations and future directions will be discussed further in the last section.

The use of e-government has increased in recent years, and many countries now use it to provide high quality services to their citizens. As user acceptance is crucial for the success of any IT project, a number of studies have investigated the user acceptance of e-government via the use of adoption models, such as the Unified Theory of Acceptance and Use of Technology (UTAUT) model. However, these models do not pay sufficient attention to security. The lack of security is one of the key issues associated with the adoption of e-government. Thus, this study aims at investigating the role of security in the behaviour intention for using e-government services. In addition, this study seeks to determine the factors influencing end users’ perceptions in e-government security. Therefore, in mind of achieving the aim, the research followed a mixed-methods approach, which divided the research into two phases. The first phase is a qualitative study aiming at exploring the factors influencing end users’ perceptions in e-government security. The second phase is a quantitative study aiming at identifying the role of security and its antecedences in the behaviour intention for using e-government services. To achieve this goal, a research model was developed by integrating trust, security and privacy with the UTAUT2 and tested via Structural Equation Modelling (SEM). The findings show that user interface quality, security culture and cyber-security law positively affect security perception. These factors explain 54% of security perception variance and strongly influence trust in e-government services. The findings also show that trust is ranked as the third most critical factor affecting behaviour intention after performance expectance and habit. The results make a significant contribution to academic research as this research is the first that investigated the factors that influence the security perception in e-government services. This will provide opportunities for further research to investigate further contributing factors and validate the security antecedences explored in this study. This research has practical implications regarding understanding the role of security in e-government adoption and the factors affecting end users’ perceptions of e-government security. This will help the decision makers in government to increase users’ trust in e-government by focusing more on these factors.

Background: Online shopping through mobile has become very popular around us today because of the unique value proposition of providing easily personalized, local goods and services at any time and anywhere. However, still, there are some challenges for users to adopt m-commerce as whole. This thesis has done to find the factors of the acceptance of m-commerce in India. Purpose: The purpose of this study is to identify the determinants of the acceptance of m-commerce applications in India. Method: For this study, quantitative research was used to gather data. The author decided to reach the target groups for the survey through different social media platforms and the survey questions were based on the user acceptance model. Conclusion: The results show that M-commerce has  developed in India  but still people are not aware about to use this because of the lack of literacy, this may not be barrier for mobile adoption but it’s a huge challenge for the m-commerce where consumers may need to enter their username and password and these should not be compromised to third party.

Many leaders of nonprofit organizations (NPOs) in the United States do not have plans to adopt cloud computing. However, the factors accounting for their decisions is not known. This correlational study used the extended unified theory of acceptance and use of technology (UTAUT2) to examine whether performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, and habit can predict behavioral intention (BI) and use behavior (UB) of NPO information technology (IT) managers towards adopting cloud computing within the Phoenix metropolitan area of Arizona of the U.S. An existing UTAUT2 survey instrument was used with a sample of IT managers (N = 106) from NPOs. A multiple regression analysis confirmed a positive statistically significant relationship between predictors and the dependent variables of BI and UB. The first model significantly predicted BI, F (7,99) =54.239, p -?¤ .001, R^2=.795. Performance expectancy (β = .295, p = .004), social influence (β = .148, p = .033), facilitating conditions (β = .246, p = .007), and habit (β = .245, p = .002) were statistically significant predictors of BI at the .05 level. The second model significantly predicted UB, F (3,103) = 37.845, p -?¤ .001, R^2 = .527. Habit (β = .430, p = .001) was a statistically significant predictor for UB at a .05 level. Using the study results, NPO IT managers may be able to develop strategies to improve the adoption of cloud computing within their organization. The implication for positive social change is that, by using the study results, NPO leaders may be able to improve their IT infrastructure and services for those in need, while also reducing their organization's carbon footprint through use of shared data centers for processing.

Yes / Mobile banking is one of the most promising technologies that has emerged in recent years and could prove to have considerable value to both banks and customers. Thus, this study recognises the need to test the main factors that could predict the use of mobile banking as well as how using such a system could contribute to both customer satisfaction and customer loyalty. The conceptual model of this study combines two models (i.e. UTAUT2 and the D&M IS Success Model). A questionnaire survey was conducted to collect the required data from convenience sampling of Saudi bank customers. The main factors – performance expectancy, price value, facilitating conditions, hedonic motivation, habit, system quality and service quality – were found to have a significant impact on actual use behaviour. This study was cross-sectional, therefore future studies should implement longitudinal studies in order to re-collect the findings. Further, this study adopted convenience sampling of Saudi M-Banking users. This may adversely impact the issue of generalisability to the whole population. The gap in the M-Banking literature in Saudi Arabia would be bridged by proposing a comprehensive conceptual model that scrupulously clarifies the use of M-Banking from the perspective of Saudi users. Furthermore, this study would consider the adoption of numeric data in order to inferentially analyse them using SEM. This in turn would assist in generalising the findings to the whole Saudi population.

Yes / Much of the scholarly debate on the extrinsic-intrinsic motivation dichotomy to date has focused on organisational context. However, the recent upsurge of technology use amongst individuals in non-organisational context has led to consumer-focused research model such as extended unified theory of acceptance and use of technology (UTAUT2). The objective of this study is to bring back much needed focus on motivation dichotomy from the consumer perspective. This involved a systematic review and meta-analysis of hedonic motivation an affective construct in UTAUT2 studies. The findings from 79 UTAUT2 empirical studies revealed that only 46 studies (58%) utilised hedonic motivation while the remaining 33 studies (42%) omitted the construct. Extrinsic motivation was the major driver of non-hedonic and non-significant hedonic motivation studies with individuals using technologies for utilitarian outcomes. Unlike UTAUT2, moderators association of hedonic motivation were non-significant in determining consumer intention to use technology. The findings also revealed an important association between hedonic motivation and effort expectancy, in addition to fruitful directions for research and practice.

Yes / Despite being regarded as the most comprehensive theory in understanding individual technology adoption – UTAUT2 theory with growing number of citations and impetus beyond IS domain face strong criticism on usage of the model in its entirety. This study located UTAUT2 based empirical studies in the Scopus and Web of Science bibliographic database through citied reference search in order to evaluate appropriate usage of UTAUT2 constructs. The meta-analysis results spanning across 60 studies with more than 122,000 cumulative observations found BI→UB as the strongest path with all significant values. PE→BI emerged as the most utilized path with most significant values underscoring the emphasis placed by consumers on utilitarian value. Meanwhile, with most non-significant path values the future usage of EE→BI path is been cautioned and questioned. Finally, trust, personal innovativeness, perceived risk, attitude, and self-efficacy were found as the five topmost UTAUT2 extensions.

Yes / Earlier literature illustrates that the selection of the appropriate theoretical model has always prescribed as a crucial task for the research community in the information systems (IS) field. According to the authors' knowledge, there are few articles aims to review IT acceptance theories and models at the individuals' level. Thus, this paper aims to bridge this gap by presenting a critical review of ten of the most influential models/theories that have been employed in predicting and explaining the human acceptance behavior of different technologies at the individuals' level. This paper also provides a summary of their evolution, pointed out the main constructs, strengths, related fields, and criticisms based on a selected published literature appeared in IS research. This review offers a holistic view for future scholars to select appropriate constructs/models owing to their strengths and criticisms as well explanatory or predictive power. This paper concluded that the well-established and comprehensive theoretical model should consider the parsimony in the term of simplifying the model with the least constructs and the highest predictive power, also the ability to integrate the relevant context's factors (e.g., UTAUT2).

Submitted by Nadir Basilio (nadirsb@uninove.br) on 2016-09-01T19:05:36Z No. of bitstreams: 1 Alexandre da Costa Goularte.pdf: 1691271 bytes, checksum: a94cb2d5ddfcdf9b354cb0410946e6b4 (MD5) / Made available in DSpace on 2016-09-01T19:05:36Z (GMT). No. of bitstreams: 1 Alexandre da Costa Goularte.pdf: 1691271 bytes, checksum: a94cb2d5ddfcdf9b354cb0410946e6b4 (MD5) Previous issue date: 2016-03-30 / Mobility-based technology is affecting the way people buy goods and services, how people communicate among themselves and even the way to use services provided by banks, institutions that already tread a digital transformation path in Brazil. Combination of information technology, internet and mobile devices has resulted in technological innovations, allowing most of the banking transactions to be carried out safely through smartphones and tablets. However, data from the banking industry and scientific research show little adherence to that innovative service: mobile banking. In this context, the objective of this research was to understand what cultural factors affect mobile banking usage in an emergent country from Latin America region. Applying structural equation modeling on a model that combines UTAUT2 theory and cultural dimensions of Hofstede, research confirms that Individualism / Collectivism and Long Term Orientation effectivelly affect mobile banking adoption. However, three other cultural dimensions do not support it: Uncertainty Avoidance, Masculinity/Femininity and Power Distance. / A tecnologia baseada em mobilidade tem afetado a forma como compram-se bens e serviços, o modo de comunicação entre as pessoas e, quiçá, a maneira de utilizar-se os serviços dos bancos, instituições que já trilham um caminho de transformação digital no Brasil. A combinação da tecnologia da informação, da internet e dos dispositivos móveis resultou em inovações tecnológicas, permitindo que a maior parte das transações bancárias seja realizada, de forma segura, por meio de smartphones e tablets. Porém, os dados do segmento bancário e da pesquisa científica mostram pouca adesão a esse serviço inovador – o mobile banking. Neste contexto, o objetivo desta pesquisa foi entender quais fatores culturais afetam o uso do mobile banking em um país emergente da América Latina. Utilizando modelagem por equações estruturais sobre um modelo que combina a teoria de UTAUT2 e as dimensões culturais de Hofstede, confirmou-se que Individualismo/Coletivismo e Orientação por Longo Prazo são dimensões culturais que afetam a escolha pelo uso de mobile banking, não havendo suporte para as dimensões de Aversão à Incerteza, Masculinidade/Feminilidade e Distância de Poder.