The effect of awareness and perceived risk on the technology acceptance model (TAM): mobile banking in Yemen

Mutahar, Ahmed M.; Daud, Norzaidi Mohd; Ramayah, T.; Isaac, Osama; Aldholay, Adnan H.

doi:10.1504/ijss.2018.091840

Cited by 64 publications

(72 citation statements)

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“…The findings of this paper also reveal the hurdles facing consumer acceptance of animal-free dairy to be substantially lower than those confronting cultivated meat products, notwithstanding that public awareness and discourse surrounding animal-free dairy is significantly less mature than that of cultivated meat, a factor which serves as a noted condition for widespread acceptance of novel technologies (Mutahar et al, 2018). This research similarly began to uncork the topic of why such clear consumer enthusiasm was observable, showing consumers across countries as resoundingly recognising the environmental and ethical improvements of animal-free dairy over animal-derived products, as well as showing faith in animal-free dairy to far outperform current iterations of plantbased cheeses, expecting a product capable of delivering a taste and nutritional experience similar to that of basic animal-derived products.…”

Section: Discussionmentioning

confidence: 78%

Don't Have a Cow, Man: Consumer Acceptance of Animal-Free Dairy Products in Five Countries

Thomas¹,

Bryant

2021

Front. Sustain. Food Syst.

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Concern with the ethical, environmental and health consequences of the livestock industry is pushing the growth of a sector of animal-free alternatives. Advancing research is allowing these products to increasingly deliver experiences on a par with and beyond the products they originally sought to emulate, but widespread consumer adoption has not yet been realised. This research surveyed 5,054 individuals from Brazil, Germany, India, the UK and the USA, examining the nature and extent of acceptance of dairy products derived from precision fermentation, one of the three main pillars of alternative proteins. We find substantial consumer acceptance across countries for these products, animal-free dairy cheese, seeing 78.8% of consumers as probably or definitely likely to try such a product, with 70.5% probably or definitely likely to buy, substantially higher than previous research has found for cultivated meat products. Consumers anticipated animal-free dairy cheese to be significantly more tasty than current vegan cheese products, and just as tasty and safe as basic animal-derived cheese while rating it as significantly more ethical and environmentally friendly. Multiple linear regression revealed that within dietary identifiers, vegetarianism and veganism were strong predictors of willingness to buy but flexitarianism showed the strongest predictive power for willingness to buy. Of all variables, the strongest predictor of willingness to buy was current level of cheese consumption. Further regressions revealed that taste perception was key to driving purchase intent across all countries. The implications of these results for the development of the animal-free dairy sector are discussed.

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Section: Discussionmentioning

confidence: 78%

Don't Have a Cow, Man: Consumer Acceptance of Animal-Free Dairy Products in Five Countries

Thomas¹,

Bryant

2021

Front. Sustain. Food Syst.

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“…Perceived risk, the main construct of TPR, is often considered as a main barrier of consumer intention to use e-services. Its negative effect on behavioral intentions has been confirmed in e-services (Cao and Niu, 2019;Martins et al, 2014;Mutahar et al, 2018;Roy et al, 2017;Tandon et al, 2016). These researchers agreed that the more consumers' aversion to potential losses are lowered, the more they are likely to adopt e-services.…”

Section: Proposed Research Modelmentioning

confidence: 91%

“…Among many approaches of using perceived risk in studies on consumer intended use of technology, (Featherman and Pavlou, 2003;Hanafizadeh and Khedmatgozar, 2012) summarized perceived risk is situation specific and is considered as a second-order factor, which is commonly formed by performance, financial, social, time, psychological, security, privacy factors (Table 1). This approach has been used in many empirical studies (Martins et al, 2014;Mutahar et al, 2018;Tandon et al, 2016;Yang et al, 2015). As such, this study hypothesizes that: H2.…”

Section: Proposed Research Modelmentioning

confidence: 99%

“…Such e-transactions are invisible to consumers, who may be faced to unexpected outcomes and this may prevent them to perform behaviors. Some literature reviews about perceived risk are conducted in technology adoption, including e-shopping (Pelaez et al, 2019), e-payment (Patil et al, 2018) and e-banking (Mutahar et al, 2018). Among many approaches of using perceived risk in studies on consumer intended use of technology, (Featherman and Pavlou, 2003;Hanafizadeh and Khedmatgozar, 2012) summarized perceived risk is situation specific and is considered as a second-order factor, which is commonly formed by performance, financial, social, time, psychological, security, privacy factors (Table 1).…”

Section: Proposed Research Modelmentioning

confidence: 99%

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Determinants of consumers’ intention to use credit card: a perspective of multifaceted perceived risk

Trinh

Tran

Vuong³

2020

AJEB

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Purpose The purpose of this study is to develop a theoretical model for consumer behavioral intention by integrating the technology acceptance model (TAM) and the theory of perceived risk, which is tested on the intended use of credit cards in Vietnam. Design/methodology/approach The data were collected from 485 bank customers through a nationwide online survey. An exploratory and confirmatory factor analyzes were performed to validate the factor structure of the measurement items while structural equation modeling was used to validate the proposed model and testing the hypotheses. Findings The results of structural equation modeling reveal that perceived risk, perceived usefulness, social influence and perceived ease of use were significant determinants of consumer intention to use a credit card. Of them, only perceived risk discouraged the intended use of a credit card, which was synthesized from psychological, financial, performance, privacy, time, social and security risk. Research limitations/implications This study measured the first-order risk dimensions based on the payment function of the credit card only; these measurements missed potential losses relevant to credit function of credit cards. Practical implications This study can be beneficial to banks enacting policies to attract more consumers and to help decide how to allocate resources to retain and expand their customer base. Originality/value The study adds value to the literature on consumer behavior by confirming the impact of second-order perceived risk on the intended use of credit cards, which most previous studies have not demonstrated. The research also provides an empirical evidence to the academic research platform on e-banking services in Vietnam, especially related to the credit card industry.

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“…In the 2010s, the perceived value perspective was extended to include the perceived risk perspective to enhance the understanding that consumers' adoption intention has a spectrum, regardless of whether an independent (e.g., Wessels & Drennan, 2010;Wu & Wang, 2005) or dependent (e.g., Featherman, Miyazaki, & Sprott, 2010;Gupta & Kim, 2010;Kim & Gupta, 2009;Mutahar, Daud, Ramayah, Isaac, & Aldholay, 2018) viewpoint is adopted. Perceived risk must be included because IOBSs are provided on the basis of a high degree of cross-domain data exchange and are being developed within mobile applications that can be used at any time and in any place; thus, extensive information communication occurs in the online or digital environment, and the resultant risks strongly influence transactions between supply and demand sides.…”

Section: Introductionmentioning

confidence: 99%

Customer Involvement Facets Stimulating Customers' Intention to Use Internet-Only Bank Services in China

Lin

Chan

et al. 2021

Journal of Organizational and End User Computing

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In this study, the authors extended the perceived risk-value model to include customer involvement to conceptualize an adoption intention model in the context of internet-only bank services (IOBSs). Hypotheses were tested using survey data collected in China. A total of 252 valid questionnaires were returned. Structural equation modeling was used to test two models, an antecedent model, and moderating model, constructed by assuming that customer involvement affects the perceived risk-value model in different ways. The findings verified that the perceived value could explain customers' intention to adopt IOBSs, whereas the influences of perceived risk were discovered to be nonsignificant, reducing the fitness of the perceived risk-value model. However, the opposite result was obtained when customer involvement was considered to exert a moderating effect rather than an antecedent effect. The implications of this research for IOBS service operators are discussed, and suggestions for future research are provided.

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The effect of awareness and perceived risk on the technology acceptance model (TAM): mobile banking in Yemen

Cited by 64 publications

References 0 publications

Don't Have a Cow, Man: Consumer Acceptance of Animal-Free Dairy Products in Five Countries

Don't Have a Cow, Man: Consumer Acceptance of Animal-Free Dairy Products in Five Countries

Determinants of consumers’ intention to use credit card: a perspective of multifaceted perceived risk

Customer Involvement Facets Stimulating Customers' Intention to Use Internet-Only Bank Services in China

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