Psychological Traits and Intention to Use E-Commerce among Rural Micro-Entrepreneurs in Malaysia

Abstract

This study was set out to chiefly examine the influence of psychological traits—need of achievement (“N of Ach”) and risk-taking propensity (RTP)—on perceived usefulness (PUF) and perceived ease of use (PercEU), as well as their effects on the intention to use e-commerce among rural micro-entrepreneurs. This study exploited the psychological traits theories and the technology acceptance model (TAM) by utilizing samples represented by rural micro-entrepreneurs. The results of the study found that the N of Ach and RTP significantly influence PUF and PercEU. The two original TAM constructs and PercEU have significant relationships with PUF and intention. At the same time, it was also found that there exists a significant relationship between PUF and intention. This study therefore serves to fill the gaps where N of Ach and RTP of rural micro-entrepreneurs are seldom tested to examine the effects of perceptions of benefits and ease of use on the adoption of e-commerce. On top of that, this study provides vital input to policy makers and stakeholders of rural development in their efforts to increase the adoption of e-commerce among rural micro-entrepreneurs.

Technology Adoption in Small-Medium Enterprises based on Technology Acceptance Model: A Critical Review

“…other variables such as ATU the system, BI, and U were observed to have been used by some studies while others do not use them. Type of Technology TAM Model [60] Online Government Credit Program Extended TAM with Model 4 As [61] E-Commerce TAM and entrepreneurial traits theory [55] Social Media Marketing Extended TAM with added variable (education) [52] Financial Technology Application Extended TAM with added variable (Trust) [56] Financial technology Extended TAM [5], [6] Digital Payment System Extended TAM with added variable (Trust) [5] Financial Technology Extended TAM [43] Digital Media Theory of Pace of technological innovation and TAM [37] Accounting Information System TAM [54], [62] Social Media Marketing Extended TAM [44] Internet Banking Extended TAM [9] Knowledge Management based web application…”

Influence of Personality Traits on Choice of Retail Purchasing Channel: Literature Review and Research Agenda

“…Also considering indirect effects only, Wang et al [42] found that the risk-taking propensity trait was related to attitudes toward online shopping, which, in turn, were related to the intention to shop online. Also considering the indirect effects of risk-taking propensity, along with the need for achievement of entrepreneurs, Yusoff et al [60] found that both traits were positively related to perceived usefulness and perceived ease of use, which were related to the intention to participate in e-commerce (survey, n = 302, Malaysia).…”

“…• Intuitive (Barkhi and Wallace [44] through ease of use, attitude) • Need of achievement (Yusoff et al [60] through usefulness, ease of use) • Neuroticism/-anxiety (neg., Bosnjak et al [38]; neg., Lixăndroiu et al [47]; McElroy et al [46]; neg., San-Martin et al [49] through gaming and online shopping self-efficacy; neg., Zhu et al [53]) • Openness (Bosnjak et al [38]; Wang et al [42] through attitude) • Perceptive (Barkhi and Wallace [44] through peer influence, attitude) • Playfulness (Wu and Ke [27]) • Risk-taking (Wang et al [42] through attitude; Yusoff et al [60] through usefulness, ease of use) • Self-esteem (Breazeale and Lueg [52])…”

“…Need for touch "refers to consumers' inclination of evaluating product information through the haptic sensory system" [63] (p. 3) Need for uniqueness "to establish a unique image in society that can provide them a distinct social image" [45] (p. 435) Need of achievement "Individuals who possess a high N of Ach [Need of Achievement] are more motivated when faced with challenging business environments, as they are more greatly compelled to achieve their performance targets than those with a low N of Ach [Need of Achievement]" [60] (p. 1830) Neuroticism/neuroticism-anxiety "an emotional upset, tension, worry, fearfulness, obsessive in decision, lack of self confidence and sensitivity to criticism" [53] (p. 394)…”

Creencias normativas y confianza: una adaptación del modelo de aceptación tecnológica al e-commerce durante la pandemia por COVID-19 en Ecuador

“…La utilidad percibida (up) hace referencia a la medida en la que un individuo intuye que cierto tipo de tecnología resultará conveniente para sí mismo (Laith & Abdullah, 2021). Esto se define, dentro del e-commerce, como el grado de beneficio que un consumidor piensa que recibirá al realizar transacciones online (Capece et al, 2013;Yusoff et al, 2021).…”