What drives consumers to use P2P payment systems? An analytical approach based on the stimulus–organism–response (S-O-R) model

Diéguez, Ana Isabel Irimia; Liébana‐Cabanillas, Francisco; Blanco‐Oliver, Antonio; Lara‐Rubio, Juan

doi:10.1108/ejmbe-12-2022-0374

Cited by 9 publications

(3 citation statements)

References 82 publications

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“…Karena minat dan aplikabilitas maksimalnya, PLS-SEM telah digunakan dan direkomendasikan dalam penelitian sebelumnya yang berfokus pada prediksi konstruk dan hubungan kompleks antara variabel laten [24]. Untuk tujuan ini, perangkat lunak SmartPLS 3.2.9 digunakan untuk menjalankan model penelitian [25]. Analisis dan interpretasi hasil PLS memiliki dua tahap utama.…”

Section: Statistical Methodologyunclassified

Transformasi Kewirausahaan dalam Era QRIS: Dinamika dan Solusi Sistem Pembayaran Nirkontan dari Perspektif Pedagang

Yadi,

Hartanto,

Ayatillah

et al. 2023

INFEB

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The objectives of this study are to examine how technology acceptance factors (perceived ease of use, perceived usefulness, perceived security, subjective norms, and perceived compatibility) influence the intention of business owners/managers to adopt QRIS. Convenience sampling method was used for this survey. Data from 160 respondents were collected through a structured questionnaire measured with a Likert scale ranging from 1-7. An online-based web survey was utilized to reach the target respondents. Data were processed with SmartPLS and statistically tested with Structural Equation Modeling (SEM). The results indicate that perceived usefulness is the most important predictor of the intention to use QRIS. Additionally, a reasonably good predictive performance of the model is found. This research contributes to a more holistic understanding of the adoption of QRIS payment systems and provides insights that companies/merchant can leverage through the use of this payment technology. Significant implications for the development and refinement of QRIS. Developing a research model regarding subjective norms, perceived compatibility, perceived security, perceived ease of use, and perceived usefulness, including their roles in using QRIS. Helps explain the direct and indirect relationships in QRIS usage.

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Section: Statistical Methodologyunclassified

Transformasi Kewirausahaan dalam Era QRIS: Dinamika dan Solusi Sistem Pembayaran Nirkontan dari Perspektif Pedagang

Yadi,

Hartanto,

Ayatillah

et al. 2023

INFEB

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“…Trust in online markets implies the belief that the company will fulfil their commitments without taking advantage of the purchasing party, which will favour its intention to adopt or continue its usage (Vimalkumar et al, 2021). This exact variable has been widely studied together with Perceived Risk in virtual settings (Irimia-Di eguez et al, 2023). Perceived risk is defined as the perception a consumer has about the uncertainty and adverse consequences of carrying out a transaction with a vendor in a specific setting (Li ebana-Cabanillas et al, 2023).…”

Section: Behavioural Characteristics As Segmentation Variablesmentioning

confidence: 99%

The consumer intention to use e-commerce applications in the post-pandemic era: a predictive approach study using a CHAID tree-based algorithm

Higueras-Castillo,

Alves,

Liébana-Cabanillas

et al. 2023

EJMBE

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PurposeThis study proposes a hierarchic segmentation that develops a tree-based classification model and classifies the cases into groups. This allows for the definition of e-commerce user profiles for each of the groups. Additionally, it facilitates the development of actions to improve the adoption of the online channel that is in such high demand in the current pandemic COVID-19 context.Design/methodology/approachRegarding the created segments, two extreme segments stand out due to their marked differences and high volume. Segment 3 with 23% of the sample is the group with the most predisposition to use the online channel and is characterised by a high level of trust, more habitual use in comparison with other groups and the belief that its use implies high performance, which indicates they believe it to be useful, quick and helpful for more an effective shopping experience. The other extreme is found in segment 7. This group makes up 17.7% of the total and is the most reluctant to use the online channel. These users are characterised by the complete opposite: they have a low level of trust in this channel. However, the effort expectancy is low, i.e. they consider that the adoption of the online channel does not involve many difficulties in its learning and use. Nevertheless, they use it less regularly than the others.FindingsBased on the conclusions reached in this study, in the current pandemic context in which consumer demand for online shopping channels for all types of products is on the rise, it is recommended that companies focus on the following aspects. It is essential to build trust with the user and show them the real benefits of e-commerce, how it would improve their life and why they should use it. Additionally, it is vital that the user perceives it as an easy procedure that does not require a significant learning curve. Other fundamental aspects would be to reduce any uncertainty the user might have about the online shopping process, to make it as easy as possible, and to design a simple, intuitive and user-friendly interface. It is also recommendable to manage data usage efficiently. To do so, the authors recommend asking the user for the least amount of information possible, offering a data protection policy and assuring them that their information will not be misused nor shared with third parties. All of this provides a series of facilities to modify the online shopping habits of users. Research limitations/implicationsAs in most of the research, this study presents a series of limitations that should be debated and that could open future lines of investigation. Firstly, regarding the sample used that was limited to two neighbouring countries with similar profiles a priori; it would be necessary to compare their possible cultural differences according to Hofstede's dimensions as well as increase the number of European countries being analysed to reach a more generalised conclusions. Secondly, the variables used are a combination of those derived from the UTAUT2 model and others suggested in the literature as decisive in technology adoption by users, in this sense other theories and variables could be incorporated to complete a more holistic model.Practical implicationsThis work contributes in a general way to (1) analysing the intention to use e-commerce platforms from a set of antecedents previously defined by their importance, after a period of economic and social restrictions derived from the pandemic; (2) determination of customer segments from the classification made by the CHAID analysis; (3) characterisation of the previously defined segments through the successive divisions that were proposed in the analysis carried out.Social implicationsOther fundamental aspects would be to reduce any uncertainty the user might have about the online shopping process to make it as easy as possible, and to design a simple, intuitive, and user-friendly interface. It is also recommended to manage data usage efficiently. To do so, the authors recommend asking the user for the least amount of information possible, offering a data protection policy, and assuring them that their information will not be misused or shared with third parties.Originality/valueThe results obtained have allowed us to establish predictive and explanatory models of the behaviour of the segments and profiles created, which will help companies to improve their relationships with online customers in the coming years.

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“…As shown by Irimia-Diéguez, Liébana-Cabanillas, Blanco-Oliver, & Lara-Rubio (2023) and Hair et al (2017), when analyzing the importance versus performance map, the constructs in the lower right quadrant (above average importance and below average performance) represent good opportunities for improvement, followed by the constructs in the upper right, lower left and, finally, the upper left quadrants.…”

Section: Introductionmentioning

confidence: 99%

ThinkBox: Consumer buying behavior: IPMA – the technique that deepens the analysis and suggests management strategies

Machado,

Bertucci Ramos

2023

RAUSP

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What drives consumers to use P2P payment systems? An analytical approach based on the stimulus–organism–response (S-O-R) model

Cited by 9 publications

References 82 publications

Transformasi Kewirausahaan dalam Era QRIS: Dinamika dan Solusi Sistem Pembayaran Nirkontan dari Perspektif Pedagang

Transformasi Kewirausahaan dalam Era QRIS: Dinamika dan Solusi Sistem Pembayaran Nirkontan dari Perspektif Pedagang

The consumer intention to use e-commerce applications in the post-pandemic era: a predictive approach study using a CHAID tree-based algorithm

ThinkBox: Consumer buying behavior: IPMA – the technique that deepens the analysis and suggests management strategies

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