Purpose:This paper aims to examine how the adoption decision of the internet banking in North Cyprus would be affected based on the following dimensions;the technology features,the personal characteristics,the social ...Purpose:This paper aims to examine how the adoption decision of the internet banking in North Cyprus would be affected based on the following dimensions;the technology features,the personal characteristics,the social environment and the expected risk.Design/methodology/approach:A self-administered survey was conducted with 291 participants responded to it.The partial least square approach of the structural equation modeling(PLS-SEM)is employed to investigate the direct effects of the proposed factors on the adoption decision.Additionally,the mediation test is used to examine indirect effects.Findings:Results showed that even though the participants appreciated the benefits of the online banking as the perceived usefulness factor exerts the greatest direct effect,they would rather use clear and easy-to-use websites,adding to that their assessments of the usefulness of these services are significantly influenced by the surrounding people’s views and prior experience.This is demonstrated by the total effects of the perceived ease of use and the subjective norm factors,which are greater than the direct effect of the perceived usefulness factor since both of these factors have significant direct and indirect effects mediated by the perceived usefulness factor.The negative impact of the perceived risk factor is weak compared to the previous factors.While the personal innovativeness factor showed the weakest effect among the proposed factors.展开更多
Purpose： In order to explain and predict the adoption of personal cloud storage, this study explores the critical factors involved in the adoption of personal cloud storage and empirically validates their relationshi...Purpose： In order to explain and predict the adoption of personal cloud storage, this study explores the critical factors involved in the adoption of personal cloud storage and empirically validates their relationships to a user＇s intentions.Design/methodology/approach： Based on technology acceptance model（TAM）, network externality, trust, and an interview survey, this study proposes a personal cloud storage adoption model. We conducted an empirical analysis by structural equation modeling based on survey data obtained with a questionnaire.Findings： Among the adoption factors we identified, network externality has the salient influence on a user＇s adoption intention, followed by perceived usefulness, individual innovation, perceived trust, perceived ease of use, and subjective norms. Cloud storage characteristics are the most important indirect factors, followed by awareness to personal cloud storage and perceived risk. However, although perceived risk is regarded as an important factor by other cloud computing researchers, we found that it has no significant influence. Also, subjective norms have no significant influence on perceived usefulness. This indicates that users are rational when they choose whether to adopt personal cloud storage.Research limitations： This study ignores time and cost factors that might affect a user＇s intention to adopt personal cloud storage.Practical implications： Our findings might be helpful in designing and developing personal cloud storage products, and helpful to regulators crafting policies.Originality/value： This study is one of the first research efforts that discuss Chinese users＇ personal cloud storage adoption, which should help to further the understanding of personal cloud adoption behavior among Chinese users.展开更多
文摘Purpose:This paper aims to examine how the adoption decision of the internet banking in North Cyprus would be affected based on the following dimensions;the technology features,the personal characteristics,the social environment and the expected risk.Design/methodology/approach:A self-administered survey was conducted with 291 participants responded to it.The partial least square approach of the structural equation modeling(PLS-SEM)is employed to investigate the direct effects of the proposed factors on the adoption decision.Additionally,the mediation test is used to examine indirect effects.Findings:Results showed that even though the participants appreciated the benefits of the online banking as the perceived usefulness factor exerts the greatest direct effect,they would rather use clear and easy-to-use websites,adding to that their assessments of the usefulness of these services are significantly influenced by the surrounding people’s views and prior experience.This is demonstrated by the total effects of the perceived ease of use and the subjective norm factors,which are greater than the direct effect of the perceived usefulness factor since both of these factors have significant direct and indirect effects mediated by the perceived usefulness factor.The negative impact of the perceived risk factor is weak compared to the previous factors.While the personal innovativeness factor showed the weakest effect among the proposed factors.
基金supported by Social Science Fund of Hebei Province (Grant No.:HB15TQ019)
文摘Purpose： In order to explain and predict the adoption of personal cloud storage, this study explores the critical factors involved in the adoption of personal cloud storage and empirically validates their relationships to a user＇s intentions.Design/methodology/approach： Based on technology acceptance model（TAM）, network externality, trust, and an interview survey, this study proposes a personal cloud storage adoption model. We conducted an empirical analysis by structural equation modeling based on survey data obtained with a questionnaire.Findings： Among the adoption factors we identified, network externality has the salient influence on a user＇s adoption intention, followed by perceived usefulness, individual innovation, perceived trust, perceived ease of use, and subjective norms. Cloud storage characteristics are the most important indirect factors, followed by awareness to personal cloud storage and perceived risk. However, although perceived risk is regarded as an important factor by other cloud computing researchers, we found that it has no significant influence. Also, subjective norms have no significant influence on perceived usefulness. This indicates that users are rational when they choose whether to adopt personal cloud storage.Research limitations： This study ignores time and cost factors that might affect a user＇s intention to adopt personal cloud storage.Practical implications： Our findings might be helpful in designing and developing personal cloud storage products, and helpful to regulators crafting policies.Originality/value： This study is one of the first research efforts that discuss Chinese users＇ personal cloud storage adoption, which should help to further the understanding of personal cloud adoption behavior among Chinese users.
