Ali Hussein Saleh Zolait, Minna Mattila and Ainin Sulaiman
The purpose of this paper is to attempt to introduce a new approach to User's Informational‐Based Readiness (UIBR) for investigating the acceptance of marketing innovations such…
Abstract
Purpose
The purpose of this paper is to attempt to introduce a new approach to User's Informational‐Based Readiness (UIBR) for investigating the acceptance of marketing innovations such as Internet Banking (IB) services.
Design/methodology/approach
The UIBR construct involves four dimensions that it is proposed influence the potential adopters' intention to adopt IB. The study employed the quantitative method where convenience sampling and self‐administrated survey questionnaires were sent to 1,000 bank account holders in Yemen.
Findings
The findings reveal that both intention and attitude are positively related to all variables of interest and are significantly related to all investigated variables. Furthermore, the multiple regression findings moderately supported that all alternative hypotheses of interest and their sub‐hypotheses are accepted, regarding both the individual's intention and attitude towards the adoption of IB.
Research limitations/implications
This study does not examine the formal relationship between Intention and Attitude and the sample size could have been larger.
Practical implications
The results strengthen the study's argument that the four UIBR dimensions significantly affect a person's intention and attitude towards IB‐use.
Originality/value
Previous studies that sought innovation adoption did not give much concern to the UIBR. This study makes a valuable contribution in the field of marketing by implementing the four UIBR components in the management area as a tool to evaluate the performance and marketing strategy of firms, and also to evaluate to what extent consumers are ready to accept the products or the services introduced.
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Minna Mattila, Heikki Karjaluoto and Tapio Pento
Finland is a world leader in electronic banking, and over 39.8 percent of all retail banking transactions were made over the Internet in August 2000. Using the data of a large…
Abstract
Finland is a world leader in electronic banking, and over 39.8 percent of all retail banking transactions were made over the Internet in August 2000. Using the data of a large survey, we analyzed mature customers’ Internet banking behavior. Internet banking was the third popular mode of payment among mature customers. Household income and education were found to have a significant effect on the adoption of the Internet as a banking channel, so that over 30 percent of wealthy and well‐educated mature males make e‐banking their primary mode of making payments. Perceived difficulty in using computers combined with the lack of personal service in e‐banking were found to be the main barriers of Internet banking adoption among mature customers. Internet banking was also found to be more unsecured among mature customers than bank customers in general.
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Heikki Karjaluoto, Minna Mattila and Tapio Pento
The study explored the effect of different factors affecting attitude formation towards Internet banking (online banking) in Finland. The purpose of this paper is to determine…
Abstract
The study explored the effect of different factors affecting attitude formation towards Internet banking (online banking) in Finland. The purpose of this paper is to determine those factors that influence the formation of attitude towards Internet banking on the one hand, and their relation to the use of online banking services, on the other. To attain these, a large survey (1,167 responses) was carried out during the summer of 2000 in Finland. Attitude formation was studied by the use of a structural equation model. The results are expected to provide both theoretical and practical contributions in the area of electronic retail banking and understanding of consumer behaviour in the turbulent financial services industry.
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To analyze the direct effect of perceived value dimensions (monetary, convenience, social, emotional, conditional and epistemic value) on attitudinal and behavioral components of…
Abstract
Purpose
To analyze the direct effect of perceived value dimensions (monetary, convenience, social, emotional, conditional and epistemic value) on attitudinal and behavioral components of loyalty: commitment and behavioral intentions to use location‐based mobile services.
Design/methodology/approach
An online survey for users of a mobile location‐based directory service “Where is the nearest?”
Findings
The behavioral intentions were most influenced by conditional value; the context, in which the service is used, followed closely by commitment and to some extent monetary value. Commitment can be enhanced through building emotional value and conditional value by focusing on offering fun service experiences in the right context. The influence of social and epistemic value was not significant.
Research limitations/implications
Further research is encouraged on the relative importance of the value dimensions' influence on loyalty in global markets.
Practical implications
The minor influence of monetary value as well as the high influence of conditional value implies that the one‐dimensional value measures are not applicable in a mobile context where decisions are often made spontaneously and based on situational needs. Effective marketing strategies need to take into account the contextual use and emphasize either convenience or emotional value.
Originality/value
The paper introduces new context relevant concepts and develops a multidimensional perceived value and loyalty model. Results give practical implications on how to increase awareness of location‐based services (LBS) in a way that gives a realistic picture of how LBS create value for customers.
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The purpose of this paper is to identify the factors that differentiate customers with high intentions to adopt mobile banking from others. This study examined the effect of…
Abstract
Purpose
The purpose of this paper is to identify the factors that differentiate customers with high intentions to adopt mobile banking from others. This study examined the effect of perceived usefulness, ease of use, perceived credibility, trust, normative pressure, self-efficacy, compatibility, and trialability. It also included demographics as control variables.
Design/methodology/approach
The data were collected using the snowball approach. The respondents filled in a structured questionnaire in February 2014 in Beirut, Lebanon. In total, 800 responses were received, 776 of which were completed and analysed.
Findings
This study showed that perceived compatibility, trialability, perceived usefulness, ease of use, perceived credibility, and trust positively and significantly discriminate high-mobile banking adopters from low adopters. This study also found that perceived self-efficacy separates customers through their willingness to adopt mobile banking.
Originality/value
Although a handful of studies examined the adoption of mobile banking, the factors differentiating customers with high-adoption intentions from other customers have not been extensively addressed in the literature. In an attempt to at least partially address these factors, this study attempts to identify those that lead to high-adoption intentions in Lebanon.
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Fatima M. Isiaka, Awwal Adamu and Zainab Adamu
Basic capturing of emotion on user experience of web applications and browsing is important in many ways. Quite often, online user experience is studied via tangible measures such…
Abstract
Purpose
Basic capturing of emotion on user experience of web applications and browsing is important in many ways. Quite often, online user experience is studied via tangible measures such as task completion time, surveys and comprehensive tests from which data attributes are generated. Prediction of users’ emotion and behaviour in some of these cases depends mostly on task completion time and number of clicks per given time interval. However, such approaches are generally subjective and rely heavily on distributional assumptions making the results prone to recording errors. This paper aims to propose a novel method – a window dynamic control system – that addresses the foregoing issues.
Design/methodology/approach
Primary data were obtained from laboratory experiments during which 44 volunteers had their synchronized physiological readings – skin conductance response, skin temperature, eye movement behaviour and users activity attributes taken by biosensors. The window-based dynamic control system (PHYCOB I) is integrated to the biosensor which collects secondary data attributes from these synchronized physiological readings and uses them for two purposes: for detection of both optimal emotional responses and users’ stress levels. The method’s novelty derives from its ability to integrate physiological readings and eye movement records to identify hidden correlates on a webpage.
Findings
The results from the analyses show that the control system detects basic emotions and outperforms other conventional models in terms of both accuracy and reliability, when subjected to model comparison – that is, the average recoverable natural structures for the three models with respect to accuracy and reliability are more consistent within the window-based control system environment than with the conventional methods.
Research limitations/implications
Graphical simulation and an example scenario are only provided for the control’s system design.
Originality/value
The novelty of the proposed model is its strained resistance to overfitting and its ability to automatically assess user emotion while dealing with specific web contents. The procedure can be used to predict which contents of webpages cause stress-induced emotions to users.
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Hsien-Cheng Lin, Xiao Han, Tu Lyu, Wen-Hsien Ho, Yunbao Xu, Tien-Chih Hsieh, Lihua Zhu and Liang Zhang
Research in tourism and hospitality industry marketing has identified many highly effective applications of social media. However, studies in the existing literature do not enable…
Abstract
Purpose
Research in tourism and hospitality industry marketing has identified many highly effective applications of social media. However, studies in the existing literature do not enable a comprehensive understanding of this phenomenon because they lack a theoretical foundation. Therefore, this study systematically reviewed the literature from the perspective of the task-technology fit (TTF) theory. The purpose of this paper is to map out what is known about social media use in tourism and hospitality marketing and what areas need further exploration.
Design/methodology/approach
A descriptive cumulative review of the literature obtained 99 articles published in tourism and hospitality journals from 2010 to 2019.
Findings
The analysis suggests that to understand social media use in tourism marketing, researchers and practitioners in the industry must clarify the following four issues: the control variables, longitudinal analyzes and TTF concepts that should be used in future studies; the fitness of social media platforms for tourism marketing; how various social media platforms differ in terms of performance outcome; and the digital divide in the use of social media for tourism.
Originality/value
An integrated framework was developed to identify constructs and to understand their relationships. Recent studies in this domain are discussed; theoretical and practical suggestions and implications for future research are given.