Developing and validating a cashless transaction adoption model (CTAM)

Despite widespread adoption of crowdfunding for funding social donation projects, its adoption among start-up entrepreneurs is significantly low, in developing countries in particular. Research has been performed to investigate the crowdfunding adoption intention of start-up entrepreneurs in Bangladesh. This study aimed to identify the motivation behind the intentions of the entrepreneurs to adopt crowdfunding, using the Unified Theory of Acceptance and Use of Technology (UTAUT) model with extensions. Empirical data were collected from 317 respondents and analyzed using Partial Least Squares-based Structural Equation Modeling (PLS-SEM). The results indicate that performance expectancy, effort expectancy, social influence, facilitating conditions and perceived trust mpact significantly ion the entrepreneurs’ behavioral intention to adopt crowdfunding. In contrast, trialability and perceived trust were not found to be significant determinants. However, trialability has a significant positive relation with use behavior or actual use, whereas no significant relationship has been identified between behavioral intention and use behavior.

PurposeDespite the enormous potential of mobile health (mHealth), identifying the asymmetric relationship among the predictors towards intention to use (ITU) of mHealth tends to remain unresolved. This study aims to investigate the predictors and their asymmetric effects on ITU of mHealth through patients and healthcare professionals.Design/methodology/approachAn integrated information systems (IS) model with four additional constructs has been developed to analyze symmetric and asymmetric effects on ITU of mHealth. An exploratory survey on 452 mHealth users with prior experience was conducted to evaluate the model using a mixed-method approach including partial least squares-based structural equation modeling (PLS-SEM) and fuzzy-set qualitative comparative analysis (fsQCA) technique.FindingsThe findings show that facilitating conditions, personal awareness building, perceived enjoyment, effort expectancy and perceived usefulness have predictive power for ITU of mHealth. In contrast, fsQCA reveals four more alternative solutions, including the main drivers explored by PLS-SEM. The results indicate that various conditions that were not crucial in PLS-SEM analysis are shown to be sufficient conditions in fsQCA.Research limitations/implicationsThis study contributes to theory by integrating self-actualization factors (i.e. personal awareness building, patients as decision support unit) into the IS model. And practically, this study makes an essential contribution to users' ITU of mHealth, enabling relevant stakeholders to build strategies to implement mHealth successfully.Originality/valueWhile mHealth has revolutionized healthcare and the prior literature only showed linear relationships, this empirical study revealed asymmetrical relationships among the determinants of ITU of mHealth. Thus, this study extends to the growing body of literature on the use of mHealth technology in the least developing nation.

The study examined the impact of social capital in moderating the effects of the Covid19 pandemic on workers' mental health. We posited that their level of social capital influences workers’ mental health during the Covid19 crisis. Data was sourced from a cross-sectional survey of 422 employees from various industries in Ghana, analyzed using partial least squares-based structural equation modelling (PLS-SEM). Results indicated that the pandemic adversely affected employees' mental well-being, increasing anxiety levels. However, a higher degree of social capital within the workplace buffered these negative effects, enhancing mental health during this period. Essentially, strong workplace relationships and networks mitigated the pandemic's impact on employees' mental health in Ghana. These findings underscore the importance of social capital in health outcomes, especially during crises. For industries in Ghana and beyond, the results emphasize the value of fostering strong social networks. In times of health crises, such as the Covid19 pandemic, robust social ties become crucial. As we navigate the aftermath of this pandemic and prepare for potential future crises, the lessons from this research highlight the need to integrate the knowledge gained from the Covid19 experience into our disaster response strategies. The role of social capital in such scenarios cannot be overstated

PurposeBased on the cognition–affect–conation pattern, this study explores the factors that affect the intention to use facial recognition services (FRS). The study adopts the driving factor perspective to examine how network externalities influence FRS use intention through the mediating role of satisfaction and the barrier factor perspective to analyze how perceived privacy risk affects FRS use intention through the mediating role of privacy cynicism.Design/methodology/approachThe data collected from 478 Chinese FRS users are analyzed via partial least squares-based structural equation modeling (PLS-SEM).FindingsThe study produces the following results. (1) FRS use intention is motivated directly by the positive affective factor of satisfaction and the negative affective factor of privacy cynicism. (2) Satisfaction is affected by cognitive factors related to network externalities. Perceived complementarity and perceived compatibility, two indirect network externalities, positively affect satisfaction, whereas perceived critical mass, a direct network externality, does not significantly affect satisfaction. In addition, perceived privacy risk generates privacy cynicism. (3) Resistance to change positively moderates the relationship between privacy cynicism and intention to use FRS.Originality/valueThis study extends knowledge on people's use of FRS by exploring affect- and cognitive-based factors and finding that the affect-based factors (satisfaction and privacy cynicism) play fully mediating roles in the relationship between the cognitive-based factors and use intention. This study also expands the cognitive boundaries of FRS use by exploring the functional condition between affect-based factors and use intention, that is, the moderating role of resistance to use.

Purpose Prior studies have put much emphasis on using the uses and gratification (U&G) theory to find out why people use games, social media, the Internet, e-shopping, etc. Despite past research efforts, the root causes underlying this phenomenon still need to be discovered as to why people use interactive virtual rides (vrides) entertainment services, especially when incorporating the hedonic consumption perspective (i.e. playful-consumption experiences). Considering the knowledge gap in the vrides’ context, this study aims to use the UGT to find out why people use the vrides entertainment service from a hedonic consumption point of view. Design/methodology/approach With 217 usable responses, the research model was tested using partial least squares-based structural equation modeling (PLS-SEM) and fuzzy set qualitative comparative analysis (fsQCA). Findings Findings reveal that only perceived enjoyment, arousal and sensory experience derive continuous intention behavior to consume vride entertainment service. Findings using the fsQCA revealed multiple causal configurations for the proposed outcome. Originality/value This study contributes to extending the assumption of UGT via incorporating the hedonic consumption perspective to explore the potential motives and intention to consume vrides entertainment services. Our study also discusses the important theoretical/practical implications of our findings. Besides, this study is unique because it shows both symmetrical and asymmetrical connections that help us understand why people keep using vrides entertainment service.

This thesis evaluates the acceptance of the E-counseling system at the University of Jambi using the Unified Theory of Acceptance and Use of Technology 3 (UTAUT 3) model. This research is based on the problem of mental health levels in students supported by data from WHO and the Ministry of Health. The University of Jambi provides online counseling services to help students solve their problems, but from the pre-research it was found that the level of knowledge and use of E-counseling is still very low. This study aims to implement the UTAUT 3 model which is used to identify factors that influence the acceptance of E-counseling at the University of Jambi. This study took a sample of 100 respondents from all active undergraduate students at the University of Jambi. The analysis technique used in this study is PLS-SEM (Partial Last Structural Equation Modeling) which uses the SmartPLS 4 application in its data calculation. The results obtained from the data calculation show that there are 4 hypotheses that have a significant influence, namely Habit on Use Behavior, Personal Innovativeness on Behavioral Intention, Hedonic Motivation on Behavioral Intention, and Facilitating Conditions on Use Behavior and 8 other hypotheses that do not have a significant influence, namely Performance Expectancy on Behavioral Intention, Effort Expectancy on Behavioral Intention, Social Influence on Behavioral Intention, Facilitating Condition on Behavioral Intention, Price Value on Behavioral Intention, Habit on Behavioral Intention, Personal Innovativeness on Use Behavior and Behavioral Intention on Use Behavior.

This research explores the mediating role of organisational commitment in the relationship between learning orientation and the performance of cooperatives in Malaysia. The study aims to investigate into how learning orientation and organisational commitment interact and collectively influence the performance outcomes of cooperatives. By employing a systematic random sampling technique, data was gathered from 236 small and micro cooperatives across Malaysia. The analysis was conducted using partial least squares-based structural equation modeling (PLS-SEM), a robust statistical method well-suited for examining complex relationships, particularly in studies with relatively small sample sizes. The findings underscore that organisational commitment plays a significant mediating role, enhancing the impact of learning orientation on cooperative performance. This indicates that while a strong learning orientation is essential for cooperative success, its effectiveness is markedly amplified when it is supported by a high level of organisational commitment among members. This suggests that cooperative leaders should prioritize fostering a culture of commitment within their organizations to fully leverage the benefits of a learning-oriented approach. This study contributes to the broader academic discussion by providing empirical evidence from the cooperative sector in a developing country, an area that has been relatively underexplored in previous research. The practical implications are clear where cooperative management should strategically focus on enhancing both learning orientation and organisational commitment to drive better performance outcomes. Moreover, this study sets the stage for future research to investigate these dynamics in various cultural and organisational contexts, thereby broadening the applicability of the findings beyond the Malaysian cooperative sector.

The rapid integration of artificial intelligence (AI) in digital finance has transformed the banking landscape, necessitating a deeper understanding of the factors influencing its adoption. This study investigates the effect of digital financial literacy on customers' intention to adopt AI-driven digital finance, with customer value proposition (CVP) serving as a mediating variable. Surveys were employed to collect data from 466 banking customers in Cameroon, which were analyzed using partial least squares-based structural equation modeling (PLS-SEM). It was revealed that DFL influences CVP, including Functional, Benefit, Symbolic and Emotional Value, which are involved in the intention to use digital finance. The mediation of the nexus between DFL and the intention to use digital finance was carried out using the four dimensions of CVP. The coefficient of Intention to Use of 0.669, which indicates that the direct contribution of the Customer Value proposition to Intention to Use amounted to approximately 66.9%. Therefore, this study revealed that the customer value proposition significantly predicted the intention to Use AI-driven banking services. Theoretical and practical insights into the development of digital finance services in a developing country are provided by this study’s findings. Theoretically, the research on drivers of the customer value proposition in financial services is extended. As practical implications, financial institutions are advised to focus on emotional and symbolic values such as brand image, customer experience, and trust. It is also recommended that the government and institutions continue activities that promote digital financial literacy.

Introduction: The significant increase in MSMEs in Bone Bolango Regency, from 8,172 units in 2021 to 14,600 units in 2024, reflects tremendous economic potential. However, only 1,830 units have achieved financial independence by separating business and personal finances. The main challenge faced is the limitation in preparing financial reports per Financial Accounting Standards for Micro, Small, and Medium Entities (SAK EMKM), which affects the quality of financial information for strategic decision-making. This study aims to analyze the impact of human resource quality in implementing SAK EMKM on the quality of MSME financial reports at the Manpower, Cooperatives, and MSME Office in Bone Bolango Regency.Methods: This research method uses a quantitative approach with a causal design, analyzing 95 respondents from independent MSMEs. Respondents were selected through purposive sampling using the Slovin formula with a 10% error rate. The data analysis method used was Partial Least Squares-based Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS software to assess the outer and inner models, and to test the hypotheses using the bootstrap technique at a 5% significance level.Results: The results showed that human resource quality positively and significantly affects financial report quality, with a path coefficient of 0.476 and a t-statistic of 4.616 (p<0.05). Meanwhile, the implementation of SAK EMKM also showed a positive and significant effect, with a path coefficient of 0.500 and a t-statistic of 4.907 (p<0.05). Together, these two independent variables explained 89.8% of the variation in MSME financial report quality, indicating excellent predictive power of the model. This study confirms the relevance of Human Capital Theory in the context of MSME accounting and recommends developing accounting training programs in accordance with SAK EMKM and improving the technical capabilities of MSMEs to improve financial report quality. Keywords: Financial Report Quality, Human Resource Quality, SAK EMKM, MSMES

Based on the expectancy disconfirmation theory, the study presents a conceptual model exploring consumer perception (perceived service quality, product quality, price, and corporate social responsibility) effect on satisfaction and word of mouth in smallholder horticulture stores. A quantitative analysis using Partial Least Squares-based Structural Equation Modeling (PLS-SEM) was carried. This method was used to identify elements influencing satisfaction and to explore the hypothesised relationships between consumer perceptions, satisfaction, and the spreading of positive word of mouth. The findings identify the perceived service quality and product quality as factors that enhance satisfaction. However, the perceived quality of the product is the only factor that aids word of mouth. Correspondingly, perceived product quality shows a favorable relationship with perceived price. On the other hand, perceived price and corporate social responsibility do not strengthen customer satisfaction, with corporate social responsibility not aiding word of mouth. Furthermore, the study tested the strength of cus-tomer satisfaction as a mediating variable between consumer perception and word of mouth, and none of the results proved significant. Similarly, perceived price does not mediate the path between perceived product quality and customer satisfaction. The study is of benefit to scholars, smallholders, and agricultural policymakers, particularly in emerging economies.

Entrepreneur's performance is the result of work that has been finished by someone and this will have a positive impact on the sustainability of an organization. The purpose of this research aims to test and analyze the influence attitude to entrepreneur, subjective norm, perceived behavior control, intention to entrepreneur, spirituality on entrepreneur's performance in maintaining the survival of MSMEs in East Java. Methodology a quantitative survey was carried out and the data sample of 251 classic product business owners in East Java was collected using quota sampling technique. Partial least squares-based structural equation modeling (PLS-SEM) was employed to test the hypothesized relationships. Results that for the direct influence test of the 5 hypotheses there were two significant influence tests accepted and an indirect influence test where there were 4 hypotheses, of which one significant hypothesis was accepted. The results of this research have implications for owners of MSMEs, especially in East Java, to understand that it is necessary to think about intrinsic and extrinsic motivation so that it will become a strategy in maintaining survival. JEL: L66, L67, L68.

Public service systems use empowerment capabilities to implement digital transformation (DT). DT empowerment capabilities help to tackle disruptions, navigate uncertain situations, and adapt service systems. We draw on multiple theoretical arguments and the extant literature on empowerment and DT to develop a DT empowerment capability (DTEC) model in public service systems. This model highlights the dimensions of DTEC in public service systems and their impact on digital service adaptation (DSAD). We developed the conceptual model using a systematic literature review and thematic analysis. We validated the model through two rounds of surveys: public welfare service systems (n = 275) and financial public service systems (n = 245). Partial least squares-based structural equation modeling (PLS-SEM) show two primary dimensions (i.e. technical and business) and five sub-dimensions (i.e. tools & technologies, information access, DT knowledge & skills, training & development, and decision-making) of DTEC. Complementing those insights with a configurational approach, using a fuzzy-set qualitative comparative analysis (fsQCA), we find that none of the DTEC alone is either necessary or sufficient for DSAD. Also, neither business nor technical DTECs alone, but only their different combinations, can sufficiently influence adaptation. This study finds that multiple configurations combining empowerment capabilities exist that are associated with the success of DSAD of public service agencies resulting from digital transformation, as do multiple configurations that lead to its failure. Our results contribute to the research stream of public service systems by carving out which and how dimensions of DTEC influence DSAD.

This paper examines the impacts of AI-powered assistive technologies (AIATs) on the academic success of higher education university students with visual impairments. As digital learning contexts become progressively more prevalent in higher education institutions, it is critical to understand how these technologies foster the academic success of university students with blindness or low vision. Based on the Unified Theory of Acceptance and Use of Technology (UTAUT) model, the study conducted a quantitative research approach and collected data from 390 visually impaired students who were enrolled in different universities across Saudi Arabia (SA). Employing Partial Least Squares Structural Equation Modeling (PLS-SEM), the paper tested the influences of four UTAUT dimensions—Performance Expectancy (PE), Effort Expectancy (EE), Social Influence (SI), and Facilitating Conditions (FC)—on Academic Performance (AP), while also evaluating the mediating role of Behavioral Intention (BI). The results revealed a significant positive relationship between the implementation of AI-based assistive tools and students’ academic success. Particularly, BI emerged as a key mediator in these intersections. The results indicated that PE (β = 0.137, R2 = 0.745), SI (β = 0.070, R2 = 0.745), and BI (β = 0.792, R2 = 0.745) significantly affected AP. In contrast, EE (β = −0.041, R2 = 0.745) and FC (β = −0.004, R2 = 0.745) did not have a significant effect on AP. Concerning predictors of BI, PE (β = 0.412, R2 = 0.317), SI (β = 0.462, R2 = 0.317), and EE (β = 0.139, R2 = 0.317) were all positively associated with BI. However, FC had a significant negative association with BI (β = −0.194, R2 = 0.317). Additionally, the analysis revealed that EE, SI, and PE can all indirectly enhance Academic Performance by influencing BI. The findings provide practical insights for higher education policymakers, higher education administrators, and AI designers, emphasizing the need to improve the accessibility and usability of sustainable and long-term assistive technologies to better accommodate learners with visual impairments in higher education contexts.

This study was conducted with the aim of analyzing and determining the influence of performance expectancy, facility conditions, social influence, innovation, technological security and hedonistic motivation on the adoption of e-wallets with behavioral intentions as a mediating variable (in Gebi Jaya Wholesale Customers). The type of research conducted is quantitative research. The population in this study is customers who have made payments using E-Wallet at Toko Geby Jaya with a sample of 130 people or respondents. In this study, the analysis was carried out using SEM PLS with SmartPLS Software 4.0. The results of this study show that (1) performance expectancy does not have a significant effect on e-wallet adoption, (2) facility conditions have a significant effect on e-wallet adoption, (3) social influence does not have a significant effect on e-wallet adoption, (4) innovation does not have a significant effect on e-wallet adoption, (5) technological security has a significant effect on e-wallet adoption, (6) hedonistic motivation does not have a significant effect on e-wallet adoption, (7) Behavioral intentions have a significant effect on e-wallet adoption, (8) Performance expectancy does not have a significant effect on e-wallet adoption with behavioral intent as a mediation variable, (9) facility conditions have a significant effect on e-wallet adoption with behavioral intent as a mediation variable, (10) social influence does not have a significant effect on e-wallet adoption with behavioral intent as a mediating variable, (11) innovation does not have a significant effect on adoption e-wallets with behavioral intent as a mediating variable, (12) technological security has a significant effect on the adoption of e-wallets with behavioral intent as a mediation variable, (13) hedonistic motivation does not have a significant effect on the adoption of e-wallets with behavioral intent as a mediating variable.

The study aimed to assess the effect of eight factors that shape employees’ behavioural intentions regarding the use of AI systems in their professional environments: performance and effort expectancy, social influence, facilitating conditions, relative advantage, compatibility, complexity and trialability. These factors were used as predictors of behavioural intention and use behaviour. Data for PLS-SEM analysis were collected from tourism employees using an online survey. Findings revealed a positive and substantial correlation between factors like performance expectancy, effort expectancy and social influence on the one hand and behavioural intentions on the other. In addition, facilitating conditions, compatibility, complexity and trialability were found to be positively and significantly correlated with behavioural intentions, which were also correlated with employees’ use of AI. The study contributes to a more nuanced understanding of the human dimension in the implementation of AI, offering insights for organisations seeking to navigate the complex behavioural landscape of technological change.