Factors Affecting University Students Intentions to Use Debit Card Services: an Empirical Study Based on UTAUT

Kissi, Philip Siaw; Oluwatobiloba, Mustapha; Berko, Amankwah

doi:10.3846/bme.2017.378

Cited by 13 publications

(10 citation statements)

References 22 publications

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“…When customers see that people in society use fintech services, they tend to use it (Koksal, 2016). Therefore, social influence can be an important factor and have a positive impact on customers' intention to use services (Abrahão, Moriguchi, & Andrade, 2016;Kissi, Oluwatobiloba, & Berko, 2017;Isaac, Abdullah, Aldholay, & Ameen, 2019). This effect is also found in many empirical studies, such as Kim et al (2016), Oliveira, Thomas, Baptista, andCampos (2016).…”

Section: Social Influence (Si) and Intention To Use Fintech (Int) Servicesmentioning

confidence: 71%

Fintech and Banking: Evidence from Vietnam

Lien¹,

Doan²,

Bui³

2020

JAFEB

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The paper focuses on understanding fintech and the application of fintech in the banking sector in Vietnam. To solve this research objective, the authors analyze fintech development trends, especially the fintech application in the banking sector in Vietnam. To improve the quality of fintech services at banks, the authors conducted consideration of factors affecting customers' intention to use fintech services. To accomplish this, the authors collected data through a survey of 620 customers of the banks located in Ho Chi Minh City -the largest economic center in Vietnam. For the analytical method, the authors used multivariate regression to estimate the research model. Research results show that fintech service is very important for the banking sector in Vietnam. Moreover, this paper has achieved great success by identifying the factors that influence customers' intention to use fintech services. Accordingly, the intention to use fintech (INT) services is positively affected by the perception of usefulness (PU), social impact (SI), customer trust (TRU), and perceived ease of use (PEU). Based on the results of this study, bank managers will have a basis to improve the quality of fintech services. Not only that, the results of this study are also valuable for policymakers and researchers.

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Section: Social Influence (Si) and Intention To Use Fintech (Int) Servicesmentioning

confidence: 71%

Fintech and Banking: Evidence from Vietnam

Lien¹,

Doan²,

Bui³

2020

JAFEB

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“…This construct has shown in previous studies a significant influence on the intention to use certain technologies [49][50][51]. Social influence is defined as the "degree to which an individual perceives that important others believe he or she should use the new system" [43].…”

Section: Social Influence (Si)mentioning

confidence: 99%

Considerations on the Implications of the Internet of Things in Spanish Universities: The Usefulness Perceived by Professors

et al. 2020

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Internet of Things (IoT) is an emerging technology in the field of education, which has not yet been consolidated. Acceptance and adoption studies of IoT in higher education are scarce. Accordingly, the purpose of this study was to explore the acceptance of the IoT by university professors for future adoption in higher education. An online survey was implemented based on the unified theory of acceptance and use of technology (UTAUT), in a sample of 587 Spanish university teachers, aged between 21 and 58. The results showed that performance expectancy, facilitating conditions, and attitude toward using technology were influential in behavioral intention to use IoT. While the intention for use was similar between men and women and with respect to age. However, in the different constructs of the UTAUT model, the highest average scores were obtained in men and in teachers over 36 years of age. Finally, the findings and implications of the paper are discussed, showing empirical evidence on the adoption and acceptance of IoT in higher education in the context of Spain, highlighting the need for further research on emerging technologies in a context that is marked by COVID-19.

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“…This research contributes to the existing academic literature in several ways. First, while many previous studies treated plastic card usage as a technology adoption (Charles and Simolini, 2018; Kissi et al , 2017; Oanh and Cassidy, 2018), a reasoned action (Ali et al , 2017; Amin, 2012; Amin, 2013; Worthington et al , 2007) or even a lifestyle choice (Khare et al , 2012), this study provides a new perspective in investigating determinants of customers' willingness to use debit cards, in which debit card usage is fundamentally treated as a transaction between the cardholder and the issuing bank. Accordingly, instead of using popular theories such as the unified theory of acceptance and use of technology, the theory of adoption model or the theory of reasoned action, this study expands the research stream regarding determinants of customers' intentions to use plastic cards by adopting the transaction cost economics theory.…”

Section: Academic and Practical Implicationsmentioning

confidence: 99%

“…Customer intention to use plastic money has been investigated widely in previous studies. While some research employed the unified theory of acceptance and use of technology and theory of adoption model to explain plastic card usage as a technology adoption (Charles and Simolini, 2018; Kissi et al , 2017; Oanh and Cassidy, 2018), others treated the use of plastic money as a rational action based on the theory of reasoned action (Ali et al , 2017; Amin, 2012; Amin, 2013; Worthington et al , 2007). In addition, the use of plastic money was also examined as a lifestyle choice which is driven by ‘sense of belonging’ and ‘sense of fulfilment’ (Khare et al , 2012).…”

Section: Introductionmentioning

confidence: 99%

“…These models have in common that they mostly explain customers' intentions to use plastic cards based on customer perception towards the benefits of using plastic cards and the customers' accessibility or capacity to obtain such benefits. Specifically, as a technology adoption, plastic card usage may be useful and beneficial to the holders in accomplishing their tasks (perceived usefulness; performance expectancy), help the holders meet the expectation of the reference groups (social norms; social influence), and provide enjoyment or pleasure (hedonic motivation) (Charles and Simolini, 2018; Kissi et al , 2017; Oanh and Cassidy, 2018). On the other hand, as a reasoned action, plastic card usage is driven by how individuals think and feel about the benefits of the card (attitude) and how the use of plastic money helps them to meet their reference groups' expectations (social norms) (Ali et al , 2017; Amin, 2012; Amin, 2013; Worthington et al , 2007).…”

Section: Introductionmentioning

confidence: 99%

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A transaction cost explanation of the card-or-cash decision among Vietnamese debit card holders

Hoang

2020

IJBM

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PurposeThis research provides a new perspective in explaining cardholders' willingness to use debit cards instead of cash by applying the transaction costs economic theory. This study also expands the adaptation of transaction cost economics theory in explaining consumer behaviour by investigating the moderating effects of income and education level on the relationship between perceived transaction costs and willingness to use debit cards.Design/methodology/approachThe conceptual framework was developed primarily from the transaction cost economics theory. An in-depth interview method was employed to further support hypothesis development and the development of measurement scales. A structural equation model linking asset specificity, behavioural uncertainty, environmental uncertainty, frequency of payment, perceived monitoring costs, perceived adaptation costs and willingness to use debit cards was tested using data from a sample of 384 Vietnamese debit card holders.FindingsThis study's results support the transaction cost economics theory that asset specificity, uncertainty and frequency of payment all positively contribute to the perceived transaction costs associated with debit card usage. However, only environmental uncertainty and perceived adaptation costs have significant negative impact on willingness to use debit cards, with the relationship between environmental uncertainty and willingness to use debit cards being totally mediated by perceived adaptation costs. Moreover, the relationship between perceived adaptation costs and willingness to use debit cards becomes less negative among richer and better-educated cardholders.Practical implicationsThe research provides insights into the hidden obstacles for developing cashless economies, thereby supporting policy makers in designing more effective and comprehensive strategies to make debit cards more widely used as a true substitute for cash.Originality/valueThis study provides a new lens in explaining customer willingness to use debit cards, while expanding the transaction costs economics theory by incorporating demographic factors as moderators in the relationship between transaction costs and the card-or-cash choice.

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Factors Affecting University Students Intentions to Use Debit Card Services: an Empirical Study Based on UTAUT

Cited by 13 publications

References 22 publications

Fintech and Banking: Evidence from Vietnam

Fintech and Banking: Evidence from Vietnam

Considerations on the Implications of the Internet of Things in Spanish Universities: The Usefulness Perceived by Professors

A transaction cost explanation of the card-or-cash decision among Vietnamese debit card holders

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