Able but not willing? Exploring divides in digital versus physical payment use in China

Abstract

If you would like to write for this, or any other Emerald publication, then please use our Emerald for Authors service information about how to choose which publication to write for and submission guidelines are available for all. Please visit www.emeraldinsight.com/authors for more information. About Emerald www.emeraldinsight.comEmerald is a global publisher linking research and practice to the benefit of society. The company manages a portfolio of more than 290 journals and over 2,350 books and book series volumes, as well as providing an extensive range of online products and additional customer resources and services.Emerald is both COUNTER 4 and TRANSFER compliant. The organization is a partner of the Committee on Publication Ethics (COPE) and also works with Portico and the LOCKSS initiative for digital archive preservation.*Related content and download information correct at time of download. Purpose -China is the world's largest user market for digital technologies and experiencing unprecedented rates of rural-urban migration set to create the world's first "urban billion". This is an important context for studying nuanced adoption behaviours that define a digital divide. Large-scale studies are required to determine what behaviours exist in such populations, but can offer limited ability to draw inferences about why. The purpose of this paper is to report a large-scale study inside China that probes a nuanced "digital divide" behaviour: consumer demographics indicating ability to pay by electronic means but behaviour suggesting lack of willingness to do so, and extends current demographics to help explain this. Design/methodology/approach -The authors report trans-national access to commercial "Big Data" inside China capturing the demographics and consumption of millions of consumers across a wide range of physical and digital market channels. Focusing on one urban location we combine traditional demographics with a new measure that reflecting migration: "Distance from Home", and use data-mining techniques to develop a model that predicts use behaviour.Findings -Use behaviour is predictable. Most use is explained by value of the transaction. "Distance from Home" is more predictive of technology use than traditional demographics.Research limitations/implications -Results suggest traditional demographics are insufficient to explain "why" use/non-use occurs and hence an insufficient basis to formulate and target government policy. Originality/value -The authors understand this to be the first large-scale trans-national study of use/non-use of digital channels within China, and the first study of the impact of distance on ICT adoption.

Digital or human touchpoints? Insights from consumer-facing in-store services

“…Static touchpoints consist of the traditional ones that do not involve a direct interaction or dialogue with customers such as advertising on newspapers and magazines, television, shop windows, tickets and so on. Interactive touchpoints consist of the digital technologies involving a technology-mediated and interactive relationship and the active participation to the service co-creation (Chang, Fu, Fang and Cheng, 2016;Lloyd et al, 2016), such as mobile apps, interactive displays, touchscreens, etc. (Chang, Fu, Fang and Cheng, 2016;Rezaei and Valaei, 2017;Straker et al, 2015).…”

“…Consumers' acceptance of technological touchpoints has been mainly investigated through the technology acceptance model (Davis, 1989) and its extensions (Homburg et al, 2010;Inman and Nikolova, 2017;Roy et al, 2018). However, recent studies solicit for different methods to understand consumers' behavior and their willingness to adopt certain technologies for shopping (Bradlow et al, 2017;Lloyd et al, 2016). Similarly, prior literature on digital and human touchpoints investigates human and digital touchpoints as stand-alone elements of the shopping experience, while encouraging further investigation of innovative ways of human-machine integration for delivering services (Huang and Rust, 2018).…”

Theory of Reasoned Action dan Literasi Teknologi terhadap Adaptasi Perubahan Teknologi

“…Sehubungan dengan hipotesis kedua, pengaruh sikap terhadap niat beradaptasi, berdasarkan penelitian terdahulu, ditemukan bahwa ketika karyawan melihat perubahan positif yang terjadi dalam organisasi mereka, mereka cenderung merasa lebih berkomitmen untuk berubah dan akibatnya lebih terlibat dalam upaya dan perilaku yang mungkin secara nyata mendukung perubahan (Manuti et al, 2020), demikian pula jika karyawan merasa manfaat dari teknologi, maka mereka akan cenderung untuk rela beradaptasi dengan perubahan (Lloyd et al, 2016). Dalam penelitian ini, justru ditemukan bahwa sikap tidak berpengaruh langsung terhadap niat.…”

“…Berdasarkan hasil uji pemodelan persamaan struktural untuk menguji kesediaan beradaptasi dengan teknologi, ditemukan bahwa variabel norma subjektif dan literasi teknologi dapat dibuktikan pengaruhnya terhadap niat beradaptasi. Namun, selain kompetensi yang dimiliki, variabel sikap tetap memberikan pengaruh penting dalam niat beradaptasi karena berdasarkan penelitian terdahulu, terdapat temuan bahwa kompetensi tidak berbanding lurus dengan kesediaan beradaptasi (Lloyd et al, 2016).…”

Key challenges to digital financial services in emerging economies: the Indian context

“…Consumer intention of using DFS but they do have proper information about advantages of DFS Harsh and Wright (2016), Lloyd et al (2016), Siddiquee (2016), Gupta et al (2017) (Warfield, 1974). It helps researchers to build a structural model among factors based on experts' inputs (Luthra et al, 2014).…”