A study on consumers' behavior model to use electronic purse – applied to TAM model

To elevate the efficiency of manual charge in stores and improve the conditions for rapid payment in coping with the mass numbers of consumers, the mechanism of payment in electronic purse featuring the functions of the smart card has been a main trend in Asia. Despite the potential effects to consumers with an introduction of such a mechanism of payment in electronic purse and the efforts from competent authorities for the promotion of such a mechanism, the rate for Taiwan consumer's use of electronic purse has fallen short of expectations. In view of this condition, this research aims to gain in-depth understanding of the factor's influencing consumer's intention to use electronic purse by taking the perspectives of Theory of Reasoned Action (TRA) and Technology Acceptance Model (TAM) as the theoretical foundation. Taking Taiwan consumers as the samples to carry out the questionnaire surveys, findings of this research indicate the factors of consumer's using attitude (A) and subjective norms (SN) have shown significant positive influence on the behavior intention towards the mechanism of payment in electronic purse. Moreover, perceived usefulness (PU) and subjective norms (SN) shows significant positive influence on using attitude (A) towards the mechanism of payment in electronic purse; Perceive ease of use (PEOU) shows significant positive influence on the usefulness. Furthermore, Perceive ease of use (PEOU) will influence the using attitude (A) through perceived usefulness (PU). Implications for practitioners and suggestions for future research are also addressed in this study.

[1]  Fred D. Davis,et al.  A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies , 2000, Management Science.

[2]  Lei-da Chen,et al.  Enticing online consumers: an extended technology acceptance perspective , 2002, Inf. Manag..

[3]  Kieran Mathieson,et al.  Predicting User Intentions: Comparing the Technology Acceptance Model with the Theory of Planned Behavior , 1991, Inf. Syst. Res..

[4]  R. Bagozzi,et al.  On the evaluation of structural equation models , 1988 .

[5]  Anol Bhattacherjee,et al.  Explaining information technology usage: A test of competing models☆ , 2008 .

[6]  Bernadette Szajna,et al.  Empirical evaluation of the revised technology acceptance model , 1996 .

[7]  Chun-Der Chen,et al.  Predicting electronic toll collection service adoption: An integration of the technology acceptance model and the theory of planned behavior , 2007 .

[8]  Peter A. Todd,et al.  Understanding Information Technology Usage: A Test of Competing Models , 1995, Inf. Syst. Res..

[9]  Linda L. Price,et al.  An Investigation into the Social Context of Early Adoption Behavior , 1992 .

[10]  I. Ajzen,et al.  Belief, Attitude, Intention, and Behavior: An Introduction to Theory and Research , 1977 .

[11]  Pin Luarn,et al.  AIS Electronic Library (AISeL) , 2017 .

[12]  Jen-Her Wu,et al.  What drives mobile commerce?: An empirical evaluation of the revised technology acceptance model , 2005, Inf. Manag..

[13]  Gordon C. Bruner,et al.  Explaining consumer acceptance of handheld Internet devices , 2005 .

[14]  WuIng-Long,et al.  An extension of trust and TAM model with TPB in the initial adoption of on-line tax , 2005 .

[15]  Henri Barki,et al.  Explaining the Role of User Participation in Information System Use , 1994 .

[16]  Frédéric Thiesse,et al.  RFID, privacy and the perception of risk: A strategic framework , 2007, J. Strateg. Inf. Syst..

[17]  Chao-Min Chiu,et al.  Internet self-efficacy and electronic service acceptance , 2004, Decis. Support Syst..

[18]  C. Fornell,et al.  Evaluating structural equation models with unobservable variables and measurement error. , 1981 .

[19]  Fred D. Davis.  A technology acceptance model for empirically testing new end-user information systems : theory and results , 1985 .

[20]  Fred D. Davis.  Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology , 1989, MIS Q..

[21]  Kar Yan Tam,et al.  Understanding Continued Information Technology Usage Behavior: A Comparison of Three Models in the Context of Mobile Internet , 2006, Decis. Support Syst..

[22]  Ing-Long Wu,et al.  An extension of Trust and TAM model with TPB in the initial adoption of on-line tax: An empirical study , 2005, Int. J. Hum. Comput. Stud..