Garry Wei-Han Tan

Predicting the determinants of the NFC-enabled mobile credit card acceptance: A neural networks approach

Abstract The main aim of this study is to determine the factors influencing the adoption of Near Field Communication (NFC)-enabled mobile credit card, an innovation in contactless payment for the future generation. Constructs from psychological science, trust-based and behavioral control theories were incorporated into the parsimonious TAM. Using empirical data and Structural Equation Modeling-Artificial Neural Networks approach together with multi group analysis, the effects of social influence, personal innovativeness in information technology, trust, perceived financial cost, perceived usefulness and perceived ease of use were examined. The significance of indirect effects was examined using the bias-corrected percentile with two-tailed significance through bootstrapping. Gender, age, experience and usage were introduced as the moderator variables with industry being the control variable in the research model. The scarcity in studies regarding the moderating effects of these variables warranted the needs to further investigate their impacts. The mediating effect of perceived usefulness was examined using the Baron–Kenny’s technique. The findings of this study have provided invaluable theoretical, methodological and managerial implications and will contribute to the decision making process by CEOs, managers, manufacturers and policy makers from the mobile manufacturing industry, businesses and financial institutions, mobile commerce, mobile telecommunication providers, mobile marketers, private or government practitioners and etc.

NFC mobile credit card: The next frontier of mobile payment?

With the advancement of mobile devices and the emergence of Near Field Communication (NFC) technology, payment today is a mere wave-of-the-phone. However, the adoption of mobile credit card (MCC) is still not widespread despite its potential as documented. Premised on this, the study extends the Technology Acceptance Model (TAM) with four additional constructs. The moderating effect of gender was also examined. Data collected from 156 respondents were analyzed using Structural Equation Modeling (SEM) and multi group analysis. Cohens f-square statistic for effect size is 0.815. The results revealed that only finance-related risks and the moderating effect of gender are the non-significant factors in this study. The research provides useful theoretical and managerial implications for mobile phone manufacturers, merchants, bank decision makers, software developers, governments and private practitioners when devising their marketing campaigns and business strategies. The study also extends the applicability of TAM in the area of MCC from the perspective of an emerging market.

Predicting the drivers of behavioral intention to use mobile learning

We examined the determinants of mobile learning using a hybrid SEM-ANN approach.TAM has significant influence on the intention to adopt.Psychological science constructs are non-significant with the intention to adopt.The moderating effect of age and gender are non-significant in this study.The model is able to explain 53.4% of the variance with effect size of 0.399. This study empirically investigates on the elements that affect the users intention to adopt mobile learning (m-learning) using a hybrid Structural Equation Modeling-Artificial Neural Networks (SEM-ANN) approach. A feed-forward-back-propagation multi-layer perceptron ANN with the significant determinants from SEM as the input units and the Root Mean Square of Errors (RMSE) indicated that the ANN achieved high prediction accuracy. All determinants are relevant and their normalized importance was examined through sensitivity analysis. The explanation on new computer technologies acceptance have been primarily based on the Technology Acceptance Model (TAM). Since TAM omits the psychological science constructs, the study address the weaknesses by incorporating two additional constructs, namely the personal innovativeness in information technology (PIIT) and social influences (SI). Out of the 400 survey distributed to mobile users, 216 usable questionnaires were returned. The results uncovered that the intention to adopt m-learning has significant relationship with TAM. The findings for PIIT, SI and the control variables of age, gender and academic qualifications however show mixed results. The results provide valuable information for mobile manufacturers, service providers, educational institutions and governments when strategizing their adoption strategies. Additionally, from the perspective of an emerging market, the study has successfully extended TAM with psychological constructs.

Understanding and predicting the motivators of mobile music acceptance – A multi-stage MRA-artificial neural network approach

Abstract The adoption level of digital music is still at its formative stage although the adoption renders advantageous to consumers. Therefore, the study develops a model to predict on the motivation leading to consumer’s intention to adopt mobile music services by extending Perceived Cost (PC), Perceived Credibility (PCr), Social Influence (SI), and Personal Innovativeness (INNO) with Technology Acceptance Model (TAM). 160 Respondents were tested using a multi-stage Multiple Regression Analysis (MRA) and Artificial Neural Network (ANN) approach. A non-linear non-compensatory Multi Layer Perceptron (MLP) ANN with feed-forward back-propagation algorithm and ten cross-validation neural networks was deployed in order to capture the motivators of mobile music adoption. All predictor variables were found to have relevance to the output neuron based on the non-zero synaptic weights connected to the hidden neurons. The RMSE values indicated that the ANN models were able to predict the motivators with very high accuracy. The ANN models have out-performed the MRA models as they are able to capture the non-linear relationships between the predictor and criterion variables. While the study found that TAM is a significant predictor, the insignificance linear relationships of PCr and INNO requires further investigation. The music industry can use the findings from this study beneficially to the development of mobile music adoption.

The effects of convenience and speed in m-payment

Purpose – The purpose of this paper is to uncover the effects of perceived transaction convenience (PTC) and perceived transaction speed (PTS) on unified theory of acceptance and use of technology (UTAUT) in the context of m-payment. Design/methodology/approach – A predictive analysis approach was used to examine the PTC and PTS using a two-stage partial least square (PLS) and neural network (NN) analyses. Findings – The findings reveal that only effort expectancy (EE) and facilitating conditions (FC) were discovered to significantly influence BI. More importantly, PTC was found to have positive significant relationship with EE and performance expectancy (PE). Moreover, PTS also supported the positive relationship with BI and EE. Practical implications – The findings of the study provided further insights to mobile payment service providers, online banking industry players, and all decision makers and stakeholders involved. Originality/value – Despite of many attempts devoted to understand m-payment adopt...

Can the demographic and subjective norms influence the adoption of mobile banking

The study aims to incorporate the demographic factors and subjective norms with the Technology Acceptance Model (TAM) in investigating the intention to adopt mobile banking in Malaysia. Of the 400 questionnaires, 193 usable questionnaires were returned, thus yielding a response rate of 48.25%. The data was tested using multiple regression and factor analysis. Among the four demographic constructs, education and income were found to be positively related with PU. However, only gender and education were positively related with PEOU. The findings also validated the mediating effect of PEOU on PU. Likewise, PEOU, PU and SN positively affect the Malaysians intention to adopt mobile banking. The study is beneficial for both scholar as well as practitioners such as banking institutions, policy makers, system developers and marketers especially when crafting key decisions.

Mobile shopping: the next frontier of the shopping industry? An emerging market perspective

As the world is heading towards mobile-mediated transactions, the development of mobile shopping (m-shopping) is expected to change how consumers shop online. The study therefore investigates on the factors influencing consumers intention to adopt m-shopping by extending three additional variables, namely, compatibility (CO), perceived enjoyment (PE) and perceived cost (PC) with the original technology acceptance model (TAM). Experience was also introduced as a control variable in this research. The results via multiple regression analysis (MRA) revealed that only TAM and CO have a positive and significant impact on the intention to adopt m-shopping. PE, PC and experience were found to be non-significant and therefore require further investigation. The findings provide valuable theoretical and managerial implications for both academicians and practitioners. Importantly, the study also serves as a guideline for future research in other emerging or established markets.

Mobile TV: a new form of entertainment?

Purpose – While mobile TV (m-TV) is beneficial and is currently an emerging area within mobile commerce, the adoption rate is at the infancy stage. The purpose of this paper is therefore to adapt the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) model to explore on the factors in predicting users’ behavioral intention (BI) of m-TV. Design/methodology/approach – Partial least square structural equation modeling approach was employed using 193 respondents to test the findings. Findings – The findings revealed that effort expectancy (EE), social influence (SI), facilitating conditions (FC), hedonic motivation (HM) and habit (HT) have significant effects on BI. In addition, gender was found to have moderating effect between FC and BI. Practical implications – Findings from this study provide valuable insights and contribute to the marketing strategy for mobile marketers, wireless communications vendors and application developers in the m-TV industry. Originality/value – Since the emergence of ...

Adoption of mobile social networking sites for learning

Purpose – The purpose of this paper is to explore the factors that influence users’ behavioral intention (BI) to adopt mobile social networking sites (mSNS) in facilitating formal/informal learning. Specifically, the study also investigates the association of mobility, reachability and convenience with performance expectancy (PE) and effort expectancy (EE). Design/methodology/approach – Partial least squares structural equation modeling (PLS-SEM) approach was applied to test on 266 valid responses. Findings – The findings indicated that learning compatibility (LC), PE, EE and copyright clearance (CC) has a significant effect on BI. The results also revealed that EE is influenced by mobility, reachability and convenience. PE however was found to be influenced by convenience. Practical implications – The results of this study provides valuable insights and references for practitioners and mobile network providers in developing mSNS in facilitating learning. Originality/value – While mSNS have the potential ...

The adoption of PDA for future healthcare system: an emerging market perspective

The idea of using personal digital assistance (PDA) in the healthcare industry has been sparsely explored from the viewpoint of an emerging market like Malaysia. Since the potential benefits of adopting PDA are immense, this study aims to investigate the intention of medical professionals to adopt PDA in their daily work. Interestingly, only personal innovativeness in technology (PIIT) was found to be insignificant in this study. The study is important, as it provides vital information not only for hospital management but also for system developers and even government agencies when devising their corporate and marketing strategies.