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.

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

[pt] Mobile Learning ou aprendizagem com mobilidade é a aquisição de conhecimento e habilidades por meio de tecnologias móveis em qualquer lugar e em qualquer tempo. É possível usar as tecnologias móveis e sem fio para acessar ambientes virtuais de aprendizagem, realizar cursos, interagir com colegas e instrutores e, buscar ou postar materiais em diferentes contextos ou momentos. Apesar de o mobile learning estar se espalhando no mundo, ainda é incipiente a comprensão sobre os fatores que impulsionam a sua adoção. Esta pesquisa revisou a literatura sobre mobile learning e modelos de adoção de tecnologia com o objetivo de investigar que fatores influenciariam a intenção de uso do mobile learning. O estudo foi realizado com alunos de graduação de uma Universidade Particular da cidade do Rio de Janeiro e obteve uma amostra de 402 discentes, por meio de uma survey. A coleta dos dados foi feita usando de um questionário estruturado com 52 questões. Os resultados, obtidos mediante o uso de modelagem de equações estruturais, indicam que as percepções de utilidade de curto prazo apresentaram os efeitos mais fortes dentro dos construtos avaliados sobre a intenção de usar m-learning por estudantes de ensino superior. Efeitos significativos também foram encontrados para facilidade de uso, compatibilidade e autoeficácia. / [en] Mobile Learning or learning with mobility is the acquisition of knowledge and skills through mobile technology anywhere and at any time. You can use the mobile and wireless technologies to access virtual learning environments or accomplish several other goals, such attending a course, interacting with colleagues or instructors, seeking or posting content in different contexts or moments. Although mobile learning is spreading in the world, there is a lack of research on the factors that drive its adoption. This study revised the literature on mobile learning and models of technology adoption in order to understand which factors influence the intention to use mobile learning by higher education students. In order to achieve such a goal, a survey was conducted on undergraduate students of a private university in Rio de Janeiro, with a sample of 402 students being obtained. Data collection was conducted through a structured questionnaire with 52 items. Structural equations modeling was employed, with the results indicating that perceptions of short-term utility showed the strongest effect on the intention to use m-learning by higher education students, with significant effects also found for ease of use, compatibility and self-efficacy.