A Technology Acceptance Model: Mediate and Moderate Effect

This research aims was to measure and analyze user acceptance of Sistem Informasi Koperasi (Siskop) in Koperasi Karyawan Budi Setia Jakarta, using Technology Acceptance Model (TAM). This research is quantitative research. Meanwhile, according to the the characteristics of the problem, this research included in exploratory research, descriptive research, and explanatory research. The data used in this research are primary data and secondary data, collected using several data collection techniques, such as observation, questionnaires, document review, and literature review. The variables in this research are independent variables; perceived ease of use - PEOU, intervening variables; perceived of usefullness - PU, attitude toward using - ATU, and behavioral intention to use - BIU, and the dependent variable; actual use - AU. Processing and analysis of data in this research was using descriptive statistics analysis and simple linear regression analysis, which done by the support of the Application SPSS version 21 for Windows. The results of this research are as follows 1) perceived ease of use have given positive and significant influence to perceived usefulness and attitude toward using Siskop; 2) perceived usefulness Siskop given positive and significant influence to attitude toward using Siskop, behavioral intention to use, and actual Siskop use; 3) attitude towards using Siskop positive and significant influence to behavioral intention to use Siskop. However 4) behavioral intention to use Siskop did not has a signicant influences to actual Siskop use.

Numerous Vietnamese banks have launched online banking services to offer improved service to existing customers and attract new ones. Apart from the traditional type of banking services, customers today require more personalized products and services, and access to such services at any time, and at any place. Although there is no panacea for banks to stay competitive, Internet banking (IB) is one of the advanced information technologies they can employ to achieve a high level of customer services. IB is an emerging technology that permits conduct of banking transactions through the Internet. IB provides real time information, enabling timely fund management decisions. Simultaneously, banks can more easily retain existing customers as well as providing services to customers without constraints of time and place. IB provides a very convenient and effective method of managing personal finances since it is easily accessible 24 hour a day and seven days a week. This study investigates customer’s intention of using IB system between 4 different banking. A research framework based on the extension of Technology Acceptance Model (TAM). Theory was developed to identify factors that would influence customer’s intention of use IB system. The framework includes trust, computer self-efficacy, perceived ease of use, perceived usefulness and intention of using IB system. This study was conducted a survey by giving the questionnaire to customer who have bank account in 4 banks: Agribank, Vietinbank, HSBC and Vietcombank. The data obtain through conducting a survey will be analyzed by various techniques such as descriptive analysis to provide the information regarding the respondent’s gender, age, education degree, occupation…, then using Cronbach’s α, regression analysis, t-test to examine the correlation between each variable and observe the different point of view related to the respondent’s demographic profile. The data obtained through the research’s instrument shows that most of the hypotheses proposed in this study are supported, except the hypothesis about the impact of Computer self-efficacy on Perceived Usefulness and Perceived Ease of Use. The results of this study provided strong, substantial evidence that Trust play significant roles in influencing the intention of using IB directly and indirectly. Perceived Usefulness has significant positive effect on intention of using IB system, this result supports the extension of the Technology Acceptance Model. Perceived ease of use has significant indirect effect on intention of using IB system in the future through perceived usefulness, while its direct effect on intention of using IB system in the present. Theoretical contributions and practical implications of the findings are discussed and suggestions for future research are presented.

This study examines the roles of Perceived External Control (PEC) and Computer Playfulness (CP) in shaping users' Behavioral Intention (BI) to adopt mobile banking, alongside Perceived Ease of Use (PEOU) within the Technology Acceptance Model (TAM) (Mathew, Sulphey, & Prabhakaran, 2014). PEC refers to users' beliefs about their ability to control the mobile banking environment, which can lead to increased confidence and BI (Marpaung, Dewi, Grace, Sudirman, & Sugiat, 2021). CP is characterized by enjoyment and engagement, positively influencing users' attitudes and BI (Salah & Ayyash, 2024). The study highlights the significance of PEC and CP in enhancing PEOU, which explains 65% of the variance in BI. PEC allows users to feel in command, reducing anxiety and enhancing user confidence (Gu, Lee, & Suh, 2009). CP contributes to a more enjoyable interaction, encouraging exploration and usage (Zhang, Lu, & Kizildag, 2018). PEOU acts as a crucial mediator between PEC, CP, and BI, indicating that users who find mobile banking easy to use are more likely to adopt it (Obaid, 2021). The research emphasizes the importance of enhancing PEOU to boost user adoption rates in mobile banking services (Aldammagh, Abdeljawad, & Obaid, 2021). However, factors such as trust and perceived risk also play critical roles in user acceptance, suggesting a multifaceted approach is necessary (Illia, Ngniatedema, & Huang, 2015; Obaid, 2021). By integrating playful elements and enhancing users' perceptions of external control, banks can improve PEOU and user satisfaction, aligning with the TAM and emphasizing the importance of perceived enjoyment and control in fostering user engagement.

The research examines the factors that influence consumers' behavioral intention (BI) to utilize Buy-Now, Pay-Later (BNPL) services, with the addition of two outside variables, Gamification (GM) and Perceived Value (PV), in the Technology Acceptance Model (TAM). The authors adopted a quantitative deductive method, conducting an online survey of 280 university students in Chennai. The authors used Partial Least Squares Structural Equation Modeling (PLS-SEM) to assess the ten hypotheses about the relationships of the variables using SmartPLS 4. The results showed that all ten hypotheses were positive, indicating the model's robustness. GM significantly impacted PV (β = 0.577, t = 13.602, p < 0.001), attitude (ATT) (β = 0.241, t = 4.284, p < 0.001), and BI (β = 0.134, t = 2.073, p < 0.05), demonstrating GM's motivational aspect of BNPL services. In addition, Perceived Ease of Use (PEU) significantly impacted Perceived Usefulness (PU) (β = 0.491, t = 11.201, p < 0.001) and ATT (β = 0.309, t = 5.177, p < 0.001), while PV had a significant impact on BI (β = 0.188, t = 2.980, p < 0.01). The model was able to explain 43.5 of % variance of Behavioral Intention (BI) and 28.9 of % variance of Actual Usage (AU), suggesting reasonable explanatory and predictive validity. This study contributes to the fintech adoption literature by adding experiential and psychological dimensions to the TAM and has practical relevance for practitioners seeking to build interesting, value-oriented, and socially responsible BNPL services targeted at younger consumers.

This study examined the influence of second/foreign language (L2) writing selves, English academic writing learning experience (WLE), and education level (EDUL) on AI adoption by English‐as‐a‐foreign‐language learners in English academic writing. Perceived usefulness (PU), perceived ease of use (PEU), attitude towards use (ATU), behavioral intention (BI), the ideal and ought‐to L2 writing selves, and WLE were selected as latent variables. Hypotheses were established based on a review of relevant studies. Quantitative data were collected via an online questionnaire from 316 participants (166 undergraduates and 150 postgraduates) and analyzed using structural equation modeling. Our findings revealed that although L2 writing selves positively shaped their perceptions of AI, neither the ideal/ought‐to selves nor WLE directly predicted their intentions to use such tools. While the ideal self indirectly influenced ATU and BI through PEU and PU, the indirect effect of the ought‐to self was mediated by PU. Additionally, EDUL was found to positively moderate two pathways. The model explained 76.1% of the variance in BI. Through integrating the L2 motivational self system (L2MSS) and the technology acceptance model (TAM) in the English academic writing context, this study provided pedagogical suggestions to English academic writing teachers.

Many seem to believe that today’s pre-service teachers as born after 1980 are digital natives, or that they are “native speakers” of the digital language. Nevertheless, there is no evidence that their digital native characteristics determine whether or not they would use technology in the classroom. Although not widely evaluated, the four-factor, 21-item Digital Nativity Assessment Scale (DNAS) was one of the first instruments to assess digital nativeness (DN). This study aim is to explore the influence of pre-service teachers’ DN on their intention to use technology in the future classroom in Serbia, by evaluating the DNAS on Serbian sample and using it for measuring the DN. Six variables were incorporated to examine their mutual relationships based on technology acceptance model: digital nativeness, behavioral intention (BI), perceived usefulness (PU), perceived ease of use (PEU), subjective norm (SN), and technological complexity (TC). Data were collected from 688 pre-service teachers in Serbia. Exploratory factor analysis confirmed a four-factor model for the DNAS, and Serbian pre-service teachers demonstrated a high level of DN. To evaluate the hypothesized model structural equation modeling was utilized. The suggested model had a good fit for describing the BI of Serbian pre-service teachers, accounting for 27.1% of the variance in BI. It was found that direct dominant predictors of BI are digital native traits, perceived usefulness, and perceived ease of use. Significant influence of digital native traits on all other variables in the model was also confirmed. The implications for theory and practice are discussed.

According to Market Intelligence & Consulting Institute (MIC), the gradual popularity of the Internet and on-line shopping causes Taiwan’s online shopping market to grow by 20% annually. Moreover, the Dept. of Commerce, Ministry of Economic Affairs predicts that the yield of Taiwan’s on-line shopping market will be up to NTD 1 trillion in 2015. Apparently, online shopping market is worth studying in every way. If a manager of e-Commerce website intends to be successful in the market, it is necessary for this individual to comprehend the key factors to increasing consumers’ use of online shopping. In other words, the understanding of consumers’ online shopping behavior will benefit the corporations and improve their competitiveness in the market. Therefore, this study is aimed at discussing the following three issues: 1.How does the perceived ease of use of online shopping and the perceived usefulness affect consumers’ attitude toward online shopping respectively? 2.How does consumers’ attitude toward online shopping affect their behavioral intention of online shopping? 3.How does subjective norms affect consumers’ attitude toward online shopping and their behavioral intention of online shopping? After analyzing the data collected through questionnaire survey, this study concludes its results as follows: 1.In Taiwan’s online shopping market, both the perceived ease of use and the perceived usefulness of online shopping have a significant impact on consumers’ attitude toward online shopping. 2.In Taiwan’s online shopping market, consumers’ attitude toward online shopping has a positive and significant impact on their behavioral intention. 3.To consumers on the island, subjective norms have a positive impact on consumers’ attitude toward online shopping and their behavioral intention.

User Interface between user and information systems has a great role in system adoption. Based on technology acceptance model, acceptance of a system is explained as a function of perceived usefulness and perceived ease of use. Since there are several external variables that have an impact on perceived usefulness and perceived ease of use, the content and interface design of every single application should be addressed accordingly to enhance users' intention to use the system. We propose that adding adaptive features into systems may be one of the approaches to address this phenomenon. This paper identifies external variables including adaptive behavior impacting acceptance of mobile reservation system through two prototypes.

The rapid development of Information and Communication Technology (ICT) opened up new possibilities for teaching and assessment practices in higher education. This has encouraged educational institutions worldwide to change assessment format from paper-based to computer-based assessments. In the higher education context, teachers’ behavioural intention to adopt e-assessments is affected by a number of factors. The literature in the field of e-assessment adoption suggests that there is a need to better understand and conceptualise e-assessment adoption and the range of behavioural factors influencing e-assessment adoption decision-making in higher education. This study aims to address that need. The study employed an exploratory sequential approach with mixed methods. It utilised both qualitative and quantitative research methodologies to meet the research aim: to investigate the e-assessment adoption process and related experiences and evaluations as reported by Computer and Information Science (CIS) teachers at a higher education institution in the UAE. The investigation was performed via proposing, designing, testing and developing a conceptual model for e-assessment adoption, building on the chosen most relevant ICT innovation adoption models (TRA1, TPB2, TAM3, and UTAUT4), commonly known in the field of CIS. The study found that the CIS teachers’ behavioural intention to adopt e-assessments depends primarily on the technology-assessment fit, the perceived usefulness, and the social influence. It was also discovered that the perceived self-efficacy has a negative impact on computer anxiety, and at the same time, it has a positive impact on perceived ease-of-use. Furthermore, it was found that the perceived ease-of-use and the facilitating conditions have a positive impact on behavioural intention. However, the impact of those two factors is not as significant as the other factors (technology-assessment fit, perceived usefulness, and social influence). _______________________________________________________________ 1 Theory of Reasoned Action Model (Fishbein & Ajzen, 1975) 2 Theory of Planned Behaviour Model (Ajzen, 2002) 3 Technology Acceptance Model I and II (Davis, 1989) 4 Unified Theory of Acceptance and Use of Technology Model (Venkatesh, Morris, Davis, and Davis (2003)

Factors influencing user acceptance of weight management apps among Chinese obese individuals during the COVID-19 pandemic

The application of IT has changed the form of strategic business management, manufacturing, financial situation, the ways and processes to work and become an important condition for the operation of companies and organizations, especially with the state organizations. In recent years, the application of BMS in the budget management in the financial agencies has been interested in and developed by the Ministry of Finance. However it also has a lot of difficulties and obstacles. Some of those dificulties are: the attitude and the intensional behaviour of users with BMS. So that, the main purpose of this study was to examine the impact of the premises to attitudes and intentions of the user with BMS. Specifically, studies on the relationship between Encouragement by others and system quality with perceived usefulness, perceived ease of use with Attitude toward using, and then the behavior intention to use. In this study, in order to examine proposed model, I conducted a survey by delivering and sending directly, sending email questionnaires to 220 finance managers and staff in some provinces, namely Nam Dinh, Ha Nam and Ninh Binh. After eliminating poor quality responses, I selected out 162 effective samples. The results indicated that encouragement by others and BMS quality can significantly affect perceived ease of use BMS. Encouragement by others and perceived ease of use BMS can significantly affect perceived usefulness. Perceived ease of use BMS and perceived usefulness are significant antecedents of attitude toward use BMS. Then perceived usefulness and attitude toward use BMS can significantly affect behavior intention to use BMS. Finally, this study found no support for the hypothesized effect of BMS system quality to perceived usefulness to use BMS.

What drives people to accept automated vehicles? Findings from a field experiment

Due to advances in Web-based technologies, ample opportunities exist to utilize knowledge-based systems for facilitating online consumer decision-making and for providing recommendation services for consumers. This thesis focuses on online recommendation agents that offer shopping advice based on user-specified needs and preferences. Because of the high risks and uncertainties inherent in online environments, effective recommendation agents need to be trustworthy. By extending interpersonal trust to trust in technological artifacts, consumers' trust in a recommendation agent is defined to include three belief components: competence, benevolence, and integrity. This thesis examines user acceptance of online recommendation agents and trust formation in the agents and it empirically investigates agent features and capabilities that increase the trust in them so that a higher chance of user acceptance can be realized. Two important agent capabilities are tested: 1) explanation facilities and 2) decision strategy support. An integrated Trust-TAM (Technology Acceptance Model) was tested and the results show that trust in agents influences consumers' behavioral intentions. Trust in agents exerts a direct impact on the intentions to adopt recommendation agents as well as an indirect impact via the perceived usefulness of the agents. Written protocols were collected and analyzed to identify the major processes that build and inhibit consumers' trust in recommendation agents. The results highlight the important roles of several processes in cultivating and inhibiting agent trust, such as expectation confirmation, utility assessment, and information sharing. Regarding explanation facilities, this research tests three types of explanations - how explanations, why explanations, and guidance. The results indicate that the use of different types of explanations increases different trusting beliefs: the use of how explanations increases competence and benevolence beliefs; the use of why explanations increases the benevolence belief; and the use of guidance increases the integrity belief. The impact of decision strategy support on consumers' trust and adoption of online recommendation agents was also investigated together with explanation facilities. Three types of recommendation agents with different levels of decision strategy support were compared. Both the benefits and costs of providing a high level of decision strategy support were examined. The results suggest that recommendation agents with decision strategy support capabilities and explanation facilities deliver benefits to users (e.g., more useful and trustworthy) and have a higher chance of being adopted by users, when the use of the agents does not require much additional effort. This research has addressed an important gap that exists in our current understanding of trustworthy online recommendation agents. It also makes a key contribution by empirically testing the effects of explanation facilities and decision strategy support on consumers' trust and acceptance of online recommendation agents.

As the Malaysian public sector undergoes digital transformation, its electronic records management faces challenges, including security issues, maintaining record integrity and record authenticity, audit trails, and trust in existing systems. Blockchain technology has the potential to solve these challenges through features such as distributed records, transparency, restricted immutability, and cryptographic security. However, the adoption of this technology in the Malaysian public sector is still underexplored. The main objective of the study is to identify factors that influence the adoption of blockchain technology in Electronic Records Management in the Malaysian public sector and to develop an adoption model. A quantitative method was used to collect data from 253 public-sector officials directly involved in electronic records management. The conceptual framework was developed by integrating the Technology Acceptance Model (TAM) and the Unified Theory of Acceptance and Use of Technology (UTAUT). Data analysis was conducted using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) approach to test the relationship between variables and confirm the study hypotheses. Results show that users' behavioral intentions have a significant effect on actual usage of blockchain technology (H10 is accepted), with an R² of 0.633, indicating that the independent construct explains 63.3% of the variance in behavioral intentions. Individual, organizational, and environmental factors, including performance expectations, effort expectations, social influences, and facilitating conditions, have a significant effect on users’ behavioral intentions, emphasizing that technology adoption requires a holistic approach. The study also finds that behavioral intentions act as a critical mediator before actual usage of the technology can occur.

Big Data Analytics (BDA) provides an important resource for businesses seeking to enhance their performance and gain a competitive advantage, although not all organizations are adopting BDA techniques, and small and medium-sized enterprises (SMEs) in Jordan have been slow in this regard, despite being key players in any healthy economy, and the fact that BDA adoption can be facilitated by using the Technology Acceptance Model (TAM). The purpose of this study is to investigate the drivers of behavioral intention among managerial-level employees in Jordanian ICT SMEs to adopt BDA through a quantitative correlational research approach. The TAM questionnaire was used to gather data from 271 online survey participants in Jordan using Google Forms. The target group included management level staff working in small and medium-sized ICT firms (SMEs). Confirmatory factor analysis (CFA) was used to evaluate the research instrument's reliability and validity, and structural equation modeling (SEM) was utilized to test the study's hypotheses. The findings revealed that perceived usefulness, perceived ease of use, and perceived “privacy and security” significantly influenced managerial-level employees' behavioral intention to use BDA in their organizations. The research findings also supported the application of TAM, and the results of the investigation indicated that managerial-level employees would be willing to use BDA techniques providing they were perceived to be useful, user-effortless, and posed little concern about privacy and security. Overall, the current study's results demonstrate that the suggested model had good predictive power, 51% of the variance in behavioral intention, and was therefore capable of predicting managers' intentions to use BDA.