Purpose:This paper aims to examine how the adoption decision of the internet banking in North Cyprus would be affected based on the following dimensions;the technology features,the personal characteristics,the social ...Purpose:This paper aims to examine how the adoption decision of the internet banking in North Cyprus would be affected based on the following dimensions;the technology features,the personal characteristics,the social environment and the expected risk.Design/methodology/approach:A self-administered survey was conducted with 291 participants responded to it.The partial least square approach of the structural equation modeling(PLS-SEM)is employed to investigate the direct effects of the proposed factors on the adoption decision.Additionally,the mediation test is used to examine indirect effects.Findings:Results showed that even though the participants appreciated the benefits of the online banking as the perceived usefulness factor exerts the greatest direct effect,they would rather use clear and easy-to-use websites,adding to that their assessments of the usefulness of these services are significantly influenced by the surrounding people’s views and prior experience.This is demonstrated by the total effects of the perceived ease of use and the subjective norm factors,which are greater than the direct effect of the perceived usefulness factor since both of these factors have significant direct and indirect effects mediated by the perceived usefulness factor.The negative impact of the perceived risk factor is weak compared to the previous factors.While the personal innovativeness factor showed the weakest effect among the proposed factors.展开更多
In the COVID-19 pandemic situation,the need to adopt cloud computing(CC)applications by education institutions,in general,and higher education(HE)institutions,in particular,has especially increased to engage students ...In the COVID-19 pandemic situation,the need to adopt cloud computing(CC)applications by education institutions,in general,and higher education(HE)institutions,in particular,has especially increased to engage students in an online mode and remotely carrying out research.The adoption of CC across various sectors,including HE,has been picking momentum in the developing countries in the last few years.In the Indian context,the CC adaptation in the HE sector(HES)remains a less thoroughly explored sector,and no comprehensive study is reported in the literature.Therefore,the aim of the present study is to overcome this research vacuum and examine the factors that impact the CC adoption(CCA)by HE institutions(HEIs)in India.The scope of the study is limited to public universities(PUs)in India.There are,in total,465 Indian PUs and among these 304 PUs,(i.e.,65%PUs)are surveyed using questionnaire-based research.The study has put forth a novel integrated technology adoption framework consisting of the Technology Acceptance Model(TAM),Technology-Organization-Environment(TOE),and Diffusion of Innovation(DOI)in the context of the HES.This integrated TAM-TOE-DOI framework is utilized in the study to analyze eleven hypotheses concerning factors of CCA that have been tested using structural equation modelling(SEM)and confirmatory factor analysis(CFA).The findings reveal that competitive advantage(CA),technology compatibility(TC),technology readiness(TR),senior leadership support,security concerns,government support,and vendor support are the significant contributing factors of CCA by Indian PUs.The study contends that whereas the rest of the factors positively affect the PUs’intention towards CCA,security concerns are a significant reason for the reluctance of these universities against adopting CC.The findings demonstrated the application of an integrated TAM-TOE-DOI framework to assess determining factors of CCA in Indian PUs.Further,the study has given useful insights into the successful CCA by Indian PUs,which will facilitat展开更多
Electronic commerce is becoming increasingly important in business, but lack of intention to purchase has become a main barrier in the development of electronic commerce. Thus, effective measures are needed to promote...Electronic commerce is becoming increasingly important in business, but lack of intention to purchase has become a main barrier in the development of electronic commerce. Thus, effective measures are needed to promote consumers’ intentions to purchase in online consumer to consumer （C2C） stores. This paper postulates that five factors, the perceived ease of use of the website, perceived usefulness of the website, vendor competence, introduction and recommendations of third parties, and vendors’ attitude toward customers, influence consumers’ intentions to purchase in online C2C stores and this intention directly leads to their action to purchase from online C2C stores. The structural equation modeling （SEM） method was used to analyze empirical data, supporting these hypotheses except for the effect of vendor competence.展开更多
In an era dominated by artificial intelligence (AI), establishing customer confidence is crucial for the integration and acceptance of AI technologies. This interdisciplinary study examines factors influencing custome...In an era dominated by artificial intelligence (AI), establishing customer confidence is crucial for the integration and acceptance of AI technologies. This interdisciplinary study examines factors influencing customer trust in AI systems through a mixed-methods approach, blending quantitative analysis with qualitative insights to create a comprehensive conceptual framework. Quantitatively, the study analyzes responses from 1248 participants using structural equation modeling (SEM), exploring interactions between technological factors like perceived usefulness and transparency, psychological factors including perceived risk and domain expertise, and organizational factors such as leadership support and ethical accountability. The results confirm the model, showing significant impacts of these factors on consumer trust and AI adoption attitudes. Qualitatively, the study includes 35 semi-structured interviews and five case studies, providing deeper insight into the dynamics shaping trust. Key themes identified include the necessity of explainability, domain competence, corporate culture, and stakeholder engagement in fostering trust. The qualitative findings complement the quantitative data, highlighting the complex interplay between technology capabilities, human perceptions, and organizational practices in establishing trust in AI. By integrating these findings, the study proposes a novel conceptual model that elucidates how various elements collectively influence consumer trust in AI. This model not only advances theoretical understanding but also offers practical implications for businesses and policymakers. The research contributes to the discourse on trust creation and decision-making in technology, emphasizing the need for interdisciplinary efforts to address societal challenges associated with technological advancements. It lays the groundwork for future research, including longitudinal, cross-cultural, and industry-specific studies, to further explore consumer trust in AI.展开更多
文摘Purpose:This paper aims to examine how the adoption decision of the internet banking in North Cyprus would be affected based on the following dimensions;the technology features,the personal characteristics,the social environment and the expected risk.Design/methodology/approach:A self-administered survey was conducted with 291 participants responded to it.The partial least square approach of the structural equation modeling(PLS-SEM)is employed to investigate the direct effects of the proposed factors on the adoption decision.Additionally,the mediation test is used to examine indirect effects.Findings:Results showed that even though the participants appreciated the benefits of the online banking as the perceived usefulness factor exerts the greatest direct effect,they would rather use clear and easy-to-use websites,adding to that their assessments of the usefulness of these services are significantly influenced by the surrounding people’s views and prior experience.This is demonstrated by the total effects of the perceived ease of use and the subjective norm factors,which are greater than the direct effect of the perceived usefulness factor since both of these factors have significant direct and indirect effects mediated by the perceived usefulness factor.The negative impact of the perceived risk factor is weak compared to the previous factors.While the personal innovativeness factor showed the weakest effect among the proposed factors.
文摘In the COVID-19 pandemic situation,the need to adopt cloud computing(CC)applications by education institutions,in general,and higher education(HE)institutions,in particular,has especially increased to engage students in an online mode and remotely carrying out research.The adoption of CC across various sectors,including HE,has been picking momentum in the developing countries in the last few years.In the Indian context,the CC adaptation in the HE sector(HES)remains a less thoroughly explored sector,and no comprehensive study is reported in the literature.Therefore,the aim of the present study is to overcome this research vacuum and examine the factors that impact the CC adoption(CCA)by HE institutions(HEIs)in India.The scope of the study is limited to public universities(PUs)in India.There are,in total,465 Indian PUs and among these 304 PUs,(i.e.,65%PUs)are surveyed using questionnaire-based research.The study has put forth a novel integrated technology adoption framework consisting of the Technology Acceptance Model(TAM),Technology-Organization-Environment(TOE),and Diffusion of Innovation(DOI)in the context of the HES.This integrated TAM-TOE-DOI framework is utilized in the study to analyze eleven hypotheses concerning factors of CCA that have been tested using structural equation modelling(SEM)and confirmatory factor analysis(CFA).The findings reveal that competitive advantage(CA),technology compatibility(TC),technology readiness(TR),senior leadership support,security concerns,government support,and vendor support are the significant contributing factors of CCA by Indian PUs.The study contends that whereas the rest of the factors positively affect the PUs’intention towards CCA,security concerns are a significant reason for the reluctance of these universities against adopting CC.The findings demonstrated the application of an integrated TAM-TOE-DOI framework to assess determining factors of CCA in Indian PUs.Further,the study has given useful insights into the successful CCA by Indian PUs,which will facilitat
基金Supported partially by the National Natural Science Foundation of China (No. 70731001)the National Social Science Founda-tion of China (No. 06BJY101)
文摘Electronic commerce is becoming increasingly important in business, but lack of intention to purchase has become a main barrier in the development of electronic commerce. Thus, effective measures are needed to promote consumers’ intentions to purchase in online consumer to consumer （C2C） stores. This paper postulates that five factors, the perceived ease of use of the website, perceived usefulness of the website, vendor competence, introduction and recommendations of third parties, and vendors’ attitude toward customers, influence consumers’ intentions to purchase in online C2C stores and this intention directly leads to their action to purchase from online C2C stores. The structural equation modeling （SEM） method was used to analyze empirical data, supporting these hypotheses except for the effect of vendor competence.
文摘In an era dominated by artificial intelligence (AI), establishing customer confidence is crucial for the integration and acceptance of AI technologies. This interdisciplinary study examines factors influencing customer trust in AI systems through a mixed-methods approach, blending quantitative analysis with qualitative insights to create a comprehensive conceptual framework. Quantitatively, the study analyzes responses from 1248 participants using structural equation modeling (SEM), exploring interactions between technological factors like perceived usefulness and transparency, psychological factors including perceived risk and domain expertise, and organizational factors such as leadership support and ethical accountability. The results confirm the model, showing significant impacts of these factors on consumer trust and AI adoption attitudes. Qualitatively, the study includes 35 semi-structured interviews and five case studies, providing deeper insight into the dynamics shaping trust. Key themes identified include the necessity of explainability, domain competence, corporate culture, and stakeholder engagement in fostering trust. The qualitative findings complement the quantitative data, highlighting the complex interplay between technology capabilities, human perceptions, and organizational practices in establishing trust in AI. By integrating these findings, the study proposes a novel conceptual model that elucidates how various elements collectively influence consumer trust in AI. This model not only advances theoretical understanding but also offers practical implications for businesses and policymakers. The research contributes to the discourse on trust creation and decision-making in technology, emphasizing the need for interdisciplinary efforts to address societal challenges associated with technological advancements. It lays the groundwork for future research, including longitudinal, cross-cultural, and industry-specific studies, to further explore consumer trust in AI.
