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PurposeCOVID-19 and its measures such as physical distancing have shifted consumer payment behaviors toward cashless payment. Physical distancing is likely to remain a norm for some time to come and will be relevant in any future pandemics. This study aims to examine the impact of consumers' perceived value of cashless payment on their use intention in the physical distancing context, with the mediating role of psychological safety and the moderating role of trust propensity.Design/methodology/approachThis study used a survey method to obtain data from 690 consumers in an Asian emerging market, i.e. Vietnam. The data were analyzed using different statistical methods, including structural equation modeling.FindingsResults show that perceived value of cashless payment positively affects use intention, and this effect is mediated by psychological safety. Furthermore, trust propensity has a positive moderating effect on the link between perceived value and psychological safety.Practical implicationsThis study's findings provide implications for retailers and other stakeholders in implementing and promoting cashless payment systems, especially in the physical distancing context.Originality/valueThis study is among the first attempt to explain the relationships between consumers' perceptions, feelings of psychological safety and use intention toward cashless payment in the physical distancing context. The study's findings may also be relevant to any future pandemics.
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This paper examines whether destination cards can simultaneously serve tourists' needs and sustainability goals. It provides useful insights for tourism authorities and policymakers in designing a smart tourist card that meets the needs of tourists while preserving and supporting areas' wellbeing. Taking Thessaloniki city as a case study, a tourist survey, designed based on the key features of European destination cards, was implemented to identify needs and motivations. Interesting insight was revealed: tourists want to self-explore the city, are coming with their families, are history-lovers and gastronomy-keen, and are strongly willing to be provided with a destination card offering unlimited access to public transport. The latter reveals an opportunity for the city;the tourists are willing to use sustainable mobility options, which means that a base of sustainable travelling exists. The proposed Thessaloniki smart card can bring together tourists' needs with the city's sustainability goals;the development of tourist packages, including sustainable mobility provisions, walking-talking tours, and bike rentals, should be the backbone of the card. The next challenge for the city is to build a cooperation network to support this smart destination card implementation and promotion.
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This study investigates the factors influencing Generation Y and Z's satisfaction and perceived enjoyment of using E-wallet. This paper further assesses whether consumers perceived enjoyment and satisfaction with using E-wallet would significantly affect their impulsive buying behavior. PLS-SEM was conducted based on 201 valid responses from active E-wallet users collected through an online survey. The results revealed that perceived interactivity and subjective norm positively influenced perceived enjoyment and satisfaction with using E-wallet, respectively. Perceived risk had no significant impact on perceived enjoyment and satisfaction with E-wallet, whereas visual appeal positively influenced perceived enjoyment but not satisfaction. Moreover, this study found that perceived enjoyment of using an E-wallet positively affected impulse buying while satisfaction with E-wallet had no significant relationship with impulse buying. Implications and recommendations for future research are discussed in this paper.
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PurposeThe present article aims to determine the factors that explain the intention to adopt electronic commerce among women traders in a developing country like Democratic Republic of Congo (DRC) during a health crisis period.Design/methodology/approachThis study was conducted in the DRC, in Bukavu Town. A convenience sample of 282 respondents consisting of solely women entrepreneurs (importing traders) in Bukavu Town was selected and the structural equation model was used to test the research hypotheses resulted from Ajzen's theory of planned behaviour.FindingsThe finding results showed that only the factors attitude towards electronic commerce adoption and subjective norms which predict women traders' intention to adopt electronic commerce. The analysis shows that about 38.9% of the variation in the dependent variable is explained by the above variables.Originality/valueFew studies have presented technology and electronic commerce adoption as resilience of women entrepreneurs in a time of crisis, despite the abundance of the review literature on adoption. This study provides a new approach to assist women entrepreneurs as well as researchers in understanding the drivers of electronic commerce adoption factors in the DRC.
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This study explores the mediating role of e-satisfaction during the pandemic on the relationship between e-service quality and e-loyalty of banking customers in Pakistan. The data were collected from 442 customers of online banking services in Pakistan during the Covid-19 pandemic, following a survey-based study. Baron and Kenny (J Personal Soc Psychol, 51(6):1173, 1986) and Preacher and Hayes (Behav Res Methods, 40(3):879-891, 2008) mediation technique which utilizes the bootstrapping method has been used to explore mediation. The findings show that e-service quality has a significant positive effect on the e-loyalty of the customers of online banking services. Relationships between e-service quality and e-loyalty of online banking customers in Pakistan are significantly and fully mediated by their online satisfaction in unusual situations. This study would help the bankers to implement more effective marketing strategies to retain their customers and attract potential customers, particularly during non-normal situations like the Covid-19 pandemic. It will help them identify the areas of e-services that need improvement to enhance the satisfaction and loyalty of the customers. The bootstrap method for mediation along with Baron and Kenny (J Personal Soc Psychol, 51(6):1173, 1986) leads to using a more sophisticated methodological technique to explore the mediation. The Oliver Expectancy-Disconfirmation Paradigm (EDP) in electronic banking setup during non-normal situations like the Covid-19 pandemic also served as a unique contribution to this study. Application of Baron and Kenny (J Personal Soc Psychol, 51(6):1173, 1986) mediation along with Preacher and Hayes (Behav Res Methods, 40(3):879-891, 2008) leads to more robust findings for the study in non-normal situations like the Covid-19 pandemic. The study findings add scientific value as they are applicable to the banking sector in particular in non-normal situations like the Covid-19 pandemic and the overall service sector in general. Further, as two different methods of mediation have been employed and this makes the study more rigorous and scientific.
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PurposeMobile-based payment is increasing exponentially but in the developing country like India, consumers' perception is highly positive in daily cash transaction. The purpose of this research is to identify and examine the important challenges for mobile wallet (m-wallet) implementation in India. In the wake of COVID-19, one of the transmission mechanisms of this virus has been the coins and paper money passed between a buyer and a seller. As such m-wallet considered as a convenience of payment has become a necessity in light of the pandemic.Design/methodology/approachThe authors explored 19 unique sets of challenges selected from the literature and collected data from 14 experts from private sector, multinational corporations and mixed private and public partnership who have significant knowledge and experience of mobile payment implementation and use in their respective organisations. Also, the authors have used Interpretive Structural Modelling (ISM) methodology in developing a hierarchal model for the identified challenges. The authors implemented Cross-Impact Matrix Multiplication Applied to Classification (MICMAC) analysis to classify the identified challenges.FindingsThe ISM-based framework is divided into nine different hierarchical levels. "Lack of strong regulatory compliance (Ch6)” has been recognised as the most important challenge, which inhibited the mobile wallet implementation, whereas "Perception of customers about the value of using mobile wallets (Ch11)” is the most dependent critical challenge. There are seven hierarchical layers in between the top and the bottom level with the varied number of challenges based on their driving and dependence power.Originality/valueThis is the first research to the best of our knowledge that has not only comprehensively reviewed the m-wallet literature but also employed a unique ISM-MICMAC-based approach to develop a framework of challenges for the m-wallet implementation.
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Service providers from the informal sectors in the Philippines are left unemployed or want to look for part-time jobs due to the sudden COVID-19 pandemic. With the country on lockdown and as strict restrictions are implemented, people started adopting the e-commerce and m-commerce market. The rise in the Filipino masses using smartphones and participating in mobile commerce to purchase products and services over the Internet has given researchers a potential solution for the arising problem. Thus, the primary objective of the research is to design and develop a user-friendly mobile application that will give a platform where potential home service providers can offer their services to potential clients. HanAPP Buhay, a mobile application that is created in Android Studio with Java as a programming language, is a platform where service providers can offer a variety of home services including laundry, plumbing, cleaning, and electrical works to potential clients. As for the Application Programming Interface (API), Stripe and Firebase are the tools utilized for databases and transaction purposes. The researchers conducted a series of surveys and experiments and have determined that in the 38 trials, the HanAPP Buhay mobile application is functioning 100% accurately as expected, 99.995382330563% and 99.994941213182% working at real-time booking of appointments in the 16 trials for clients and 22 trials for workers respectively, have a reliable user's interface and secured data of both users through the Scrypt algorithm, and effective in its overall specifications in terms of customer's satisfaction. © 2022 IEEE.
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Mobile live commerce is emerging as a new distribution channel as connectivity and information sharing become easier due to the increase in the use of SNS and mobile phones. Nevertheless, there is a lack of research in this field, and it is meaningful to look at how this new technology-based commerce leads to purchase intention in terms of the value of shopping perceived by consumers. This study aims to (1) analyze the characteristic factors of mobile live commerce, which is rapidly emerging due to brisk changes in the distribution industry in the non-contact era;and (2) verify the relationship between shopping value and purchase intention. We analyzed 283 surveys using partial least squares structural equation modeling (PLS-SM) with statistical product and service solutions (SPSS) and R-programming. We inferred that convenience, ubiquity, social presence, attractiveness, and vividness were the characteristics of mobile live commerce that had a positive effect on the pleasure value, and that social presence, attractiveness, vividness, professionalism, information quality, and compatibility had positive effects on the perceived value. The hedonic value also had a positive effect on the perceived value, and both pleasure and perceived values had strong positive effects on the purchase intention. However, the professionalism of the sources did not affect the hedonic value, and the convenience and ubiquity did not affect the perceived value.
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This study investigates the main financial technologies adopted by banks to improve their financial performance. The study population consists of commercial banks listed on the Amman Stock Exchange and Abu Dhabi Securities Exchange, and includes financial information and data from 2012 to 2020. A total of 115 questionnaires, consisting of five questionnaires for each bank, were distributed to the study population in Jordan and the United Arab Emirates. The dependent variable is financial performance, while the independent variable is financial technology (FinTech). Multiple linear regression analysis was conducted to test the hypotheses. The results showed that FinTech has a positive effect on both total deposit and net profits. This study recommends that banks be encouraged to adopt inclusive strategies to attain sustainable development.
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The development of online technologies and mobile apps have transformed the ways in which consumers buy and/or sell. Recently, the coronavirus pandemic has increased the usage of e-commerce and m-commerce around the world. Therefore, this study aims to investigate what drives mobile shopping apps adoption by generation Z during the pandemic. Drawing on the Technology Acceptance Model (TAM), this quantitative research shows that fear of COVID-19 exerted a positive effect on perceived usefulness of mobile apps. Furthermore, the perceived safety of mobile apps has a positive effect on perceived usefulness and perceived ease of use. Perceived usefulness has a direct influence on the intention to use mobile apps, and both a fear of COVID-19 and perceived safety have strong indirect effects on the intention to use an app. It can be argued that the research results are relevant from both theoretical and practical perspectives taking into consideration the development of m-commerce in the context of the COVID-19 pandemic. © 2023, Bucharest University of Economic Studies. All rights reserved.
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This research paper focuses on mobile banking acceptance among Generation Z users by combining the technology acceptance model (TAM) and the unified theory of acceptance and use of technology (UTAUT) theory, as well as extending the theories with perceived trust and risk. During the COVID-19 pandemic, the online questionnaire survey was distributed using Google Forms, and the sample group was Thai Generation Z who were aged between 18 and 25 years old. The research objectives aim to (i) investigate the crucial effects that potentially affect user intention and actual usage of mobile banking, (ii) identify the most influential factor impacting users' intention and behavior, (iii) further study the trust and risk perception of Generation Z users on mobile-banking intention and actual usage, (iv) discuss the findings with the antecedent studies, and (v) contribute the research findings both theoretically and practically. The proposed constructs include perceived usefulness, perceived ease of use, social influence, facilitating conditions, perceived trust, perceived risk, behavioral intention, and actual usage. There are fourteen proposed hypotheses to be tested. Based on the outcomes and the standardized coefficient beta, perceived usefulness (β = 0.518) was the strongest factor determining Generation Z's behavioral intention, while perceived ease of use (β = 0.809) impacting perceived usefulness demonstrated the strongest relationship among all of the hypotheses.
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Live streaming of agricultural products can reduce farmer losses caused by unsalable agricultural products and increase the income of farmers. Live streaming can be especially effective for green product sales as it can increase viewer understanding of and interest in the production and attributes of green products. Using the stimulus, organization, and response theoretical framework, this paper explores the influence of agricultural products anchors' characteristics on consumers' purchasing behavior and the mediating effect of green consumption cognition. The data come from surveys distributed online to Chinese shoppers who had participated in an agricultural livestreaming event. A total of 691 valid responses were received. Anchor characteristics of influence, sales promotion, and interactive entertainment were found to positively impact consumers' purchasing behavior. Green consumption cognition, composed of environmental problem perception and green consumption awareness, has a positive impact on purchasing intent. Furthermore, anchor characteristics of influence and sales promotion can positively influence consumers' purchasing behavior indirectly through green consumption cognition.
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La pandemia de la COVID-19 obligó a las personas y entidades a adoptar medidas para protegerse de su contagio recurriendo al uso de medios digitales, como se suscitó en la banca. Esta investigación tuvo como propósito determinar la relación entre la calidad de servicio de la banca móvil y la lealtad del consumidor en el Perú. La metodología fue de enfoque mixto. En el aspecto cuantitativo, con una muestra de 383 usuarios de entidades bancarias en Comas, Lima, se aplicó una encuesta con una confiabilidad del instrumento de 0,912. En el aspecto cualitativo, se entrevistó a siete expertos cuyas opiniones fueron contrastadas con la información teórica desarrollada. Los resultados de la encuesta indicaron que existe una correlación con una posición preferente con tendencia a ser fuerte entre las variables de estudio (rho de Spearman de 0,796). Asimismo, los expertos indicaron que la banca móvil ha logrado fidelizar a la mayoría de los usuarios por la rapidez y seguridad del servicio. Como conclusión, se evidenció que existe una relación preferente con tendencia a ser fuerte entre las variables objeto de estudio, basada en una relativa confianza y seguridad del usuario, por lo que es necesario ofrecer servicios de calidad usando diversos mecanismos de comunicación.Alternate :The Covid-19 pandemic forced people and entities to adopt measures to protect themselves from contagion by resorting to the use of digital media, as was the case in banking. The purpose of this research was to determine the relationship between the quality of mobile banking service and consumer loyalty in Peru. The methodology was mixed approach. In the quantitative aspect, with a sample of 383 users of banking entities in Comas, Lima, a survey was applied, with a reliability of the instrument of 0.912. In the qualitative aspect, seven experts were interviewed whose opinions were contrasted with the theoretical information developed. The results of the survey indicated that there is a correlation with a preferred position with a tendency to be strong among the study variables (Spearman's Rho of 0.796). Likewise, the experts indicated that mobile banking has managed to retain the majority of users due to the speed and security of the service. In conclusion, it was evidenced that there is a preferential relationship with a tendency to be strong between the variables under study, based on a relative trust and security of the user, making it necessary to offer quality services using various communication mechanisms.
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PurposeCommunity health is placed under the limelight during the COVID-19 crisis, providing a unique context for investigating citizens' health-privacy tradeoff in accepting social surveillance technology. To elucidate this tradeoff dilemma, an extended privacy calculus framework integrated with the Health Belief Model, legislative protection, and individual collectivism was examined using the case of national contact-tracing apps.Design/methodology/approachThe hypotheses were tested through PLS-SEM analysis with data collected from a survey on Bluezone – a national app in Vietnam.FindingsThe results indicated the negative impact of privacy concerns, which was offset by the positive effect of perceived benefits in using contact-tracing apps. The effect size of perceived benefits on usage frequency was twice as large as that of privacy concerns. Individual collectivism was revealed as a mitigator of the tradeoff dilemma, as it was positively associated with perceived benefits, whereas legislative protection had no such role. Citizens may perceive legislation protection as invalid when the technologies are developed, implemented, and monitored by the authorities.Originality/valueThe theoretical contributions lie in the extension of the privacy calculus model as well as its application in the context of mobile health apps and surveillance technology. The study empirically corroborated that the privacy calculus theory holds when technologies move along the pervasiveness spectrum. This study also provided actionable insights for policymakers and developers who advocate the mass acceptance of national contact-tracing apps.
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The rapid development of information technology and the diffusion of Internet-only banks have made mobile banking an essential service in Korea. Meanwhile, the spread of non-face-to-face services triggered by the COVID-19 pandemic is encouraging continuous innovation in the banking sector. This study explored the application design attributes of mobile banking in the context of the sustainability of Internet-only banks. Specifically, this study empirically analyzed user usage intention and attitude using the theory of planned behavior (TPB) and seven service design attributes derived from previous studies, namely: information quality, service quality, utilitarian value, hedonic value, ease of use, usefulness, and aesthetics. Information quality, utilitarian value, ease of use, and usefulness positively affected sustainable usage intention and attitude, while service quality, hedonic value, and aesthetics did not affect sustainable usage intention and attitude. Notably, this study derived the theoretical attributes of financial service design from the user's perspective, which has not yet received much attention in existing research, by applying the TPB. It also identified mobile banking service attributes that may support the sustainability of financial services, which lays a foundation for further research. Moreover, this study's findings offer insights into which user touchpoints designers should focus on when developing services.
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The COVID19 pandemic has led to the proliferation of the use of online shopping applications among millions of customers worldwide. The enormous potential in technological advancements, particularly mobile technology, has directly impacted mobile commerce, where the shopping process has become so convenient. While the benefits of mobile commerce are multi-fold, the current privacy practices and the extent of user data residue in shopping apps have been less explored. In this paper, we conducted an in-depth, systematic analysis of two of the most popular mobile shopping apps - Amazon and Etsy. Our analysis led to the recovery of user data and shopping activity artifacts from Amazon and Etsy buyer and seller apps on Android/iOS devices. Based on the user data and artifacts found, we have also discussed the implications of default privacy settings, the importance of online safety policies prior to product listings, and implications for research and practice. © 2023 IEEE Computer Society. All rights reserved.
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PurposeThe coronavirus disease 2019 (COVID-19) pandemic altered business and personal activities globally especially stimulating contactless financial transactions. However, despite the similar national lockdowns in cash-based economies, the adoption of contactless transactions through the widely available mechanism, mobile wallets, remained low. This research aimed to identify the factors surrounding this peculiarity.Design/methodology/approachThe study was investigated using a composite model based on the diffusion of innovation theory (DIT), technology acceptance model (TAM) and information systems success model (ISSM). Data were collected from 621 Cameroonian mobile wallet users and analyzed using partial least squares structural equation (PLS-SEM) modeling.FindingsThe key findings revealed that the usage of mobile wallets, in the current form, were not affected by the perceived ease of use and did not match the existing lifestyle of users in Cameroon (no compatibility). The branding of mobile wallets (image) which was based on global messaging did not appeal to Cameroonians;in fact, the branding gave mobile wallets a negative image.Originality/valueThese key findings reveal the dangers of assuming that global strategies which have been effective in dealing with the pandemic will be effective in low-income or cash-based economies. The findings suggest that considering essential contextual dispositions is critical.
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PurposeGiven the severe impact of coronavirus disease 2019 (COVID-19) on bank business activities, this study aims to examine how green brand image and online trust affect customers' continuance intention (CI) under the boundary condition of perceived effectiveness of e-services (PEES).Design/methodology/approachAn extensive review of the green marketing perspective was conducted to identify the incremental contributions of the current study (e.g. extensions of online trust and PEES). The authors used the common questionnaire survey strategy for the data collection while applying the partial least squares technique for further analyses.FindingsUsing data from 460 bank customers, the findings indicated that online trust positively mediates the relationship between green brand image and CI under the moderating effect of PEES. At high levels of PEES, online trust exerts strongest effect on customers' CI.Research limitations/implicationsThis study responds to the emerging call for understanding the PEES role, under which online trust leads to CI in the context of the global pandemic.Practical implicationsThe authors provide bank managers with a helpful extension of green marketing with PEES to manage online trust and customer intention, thereby increasing the managers' strategic effectiveness.Originality/valueThe current study explores the moderating role of PEES that plays in the green brand image, online trust and CI relationships, in responding to the pandemic situation.
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PurposeThe study aims to examine the factors affecting the customers' choice of Bangladeshi banks during the Covid-19 pandemic and the moderating effects of private and public banks on this association.Design/methodology/approachThis study is based on explanatory research, where significant factors have been explored to evaluate the customers' perception of private and public banks in Bangladesh. Primary data are accumulated through an online survey from customers who have an account in a private or public bank in Bangladesh during the past four months, where 318 (non-probability convenience sampling) are usable, and secondary data are collected from various sources. Descriptive statistics, multiple and hierarchical multiple regressions have been conducted.FindingsThe results revealed that customers consider safe and secure websites, infrastructural facilities, technological know-how, service, price, time, payment, administrative and psychological factors in choosing Bangladeshi banks during Covid-19. Moreover, the results show that private and public banks have moderated these associations.Originality/valueDuring Covid-19, few studies were conducted on Pakistani, Sri Lankan and Ethiopian banking customers, where different factors are significant;however, this study is unique because all factors are significant for Bangladeshi banking customers. The findings will originate the value with several theoretical implications and managerial guidelines.