Consumer use intention of online financial products:the Yuebao example

Drawing on a valence framework and innovation diffusion theory,this study examines Yuebao deployment to model consumers’intention to use financial products offered online.We collect data via an online survey among a young age bracket and use a VisualPLS graphic interface to test our model.The results indicate that first,compatibility and advantages in relative utility significantly enhance consumers’use intentions and that ease of use has an indirect influence.Second,the negative utility of perceived risk no longer significantly affects intention to use.This mainly lies in consumers’perceived risk focused on the security of online financial products,which has become a part of all online transactions.Third,trust indirectly affects intention to use by influencing utility.

IDT-TAM Integrated Model for IT Adoption

Two classical theories, the technology acceptance model （TAM） and the innovation diffusion theory （IDT）, were integrated into a model for analyzing individual information technology （IT） adoption behavior. In this IDT-TAM framework, the perceived characteristics of innovation are categorized as subjective evaluation, objective conditions, and interaction factors. The cognitive mechanisms that drive user IT acceptance are analyzed based on the patterns through which these characteristics influence individual user IT adoption behavior. The model was tested using an empirical survey regarding the adoption and use of e-mail in China. Results from a structural equation model analysis illustrate that the model provides meaningful insights for understanding, explaining, and predicting the IT adoption behavior of Chinese users.

Applicability of public sector reform initiatives of the Yemeni government from the integrated TOE-DOI framework

Effective resource allocation and accountability are critical for public services in countries facing a crisis,to ensure minimum inequality and even save lives.Administrative innovation is introduced as public sector reform to improve the performance and accountability of public sector organizations.Despite the said benefit,little has been done to study public administrative innovation in countries under crisis.This study extends the literature by examining the attitude of civil service managers to the administrative innovation in the Yemeni government representing a country in crisis from an integrated perspective of technology-organization-environment(TOE)and diffusion of innovation(DOI)theory.Data was collected from a survey of 200 civil service managers of the Yemeni central government.The result shows that the attitude of managers to private sector management style is scored the highest representing the key tool of the public administrative innovation.On the other hand,the downsizing elements were ranked the least significant as public sector reform elements.The explanatory model highlights the use of information technology,quality of human resources,and budget management orientation as significant factors for the applicability of public administrative innovation in the Yemeni central government.