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Technology readiness, mobile payments and gender- a reflective-formative second order approach.

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Title: Technology readiness, mobile payments and gender- a reflective-formative second order approach.
Authors: Tavera-Mesías, Juan Fernando, van Klyton, Aaron, Collazos, Alexander Zuñiga
Source: Behaviour & Information Technology. Jun2023, Vol. 42 Issue 7, p1005-1023. 19p. 3 Diagrams, 9 Charts.
Subjects: Structural equation modeling, Electronic commerce, Digital technology, Mobile apps, Consumer attitudes, Sex distribution, Poverty areas, Internet access, Surveys, Conceptual structures, Socioeconomic factors, Research funding, Intention, Optimism, Reflection (Philosophy), Educational attainment
Geographic Terms: Colombia
Abstract: This study examines the formation of technology readiness among lower-income urban consumers and its influence on the acceptance of mpayment apps for digital money. Using Partial Least Squares-Structural Equation Modeling (PLS-SEM), we analysed 625 survey responses collected in four Colombian cities. We found that perceived usefulness is the main direct antecedent of intention to use, but gender differences were observed. For women, two hypotheses were not significant: TR's influence over perceived ease of use and perceived ease of use over the intention to use, leaving a more straightforward but narrow pathway for influencing intention to use. Men presented a more comprehensive range of pathways, with all hypotheses significant. This is an important finding because women from lower-income households are the main target of government financial inclusion strategies. Innovatively, we evaluated the technology readiness construct in an aggregated way, isolating the importance of each dimension. We found optimism to be more relevant, which indicates that the users are less insecure about technology, akin to the Rogerian concept of innovators. Therefore, managers should develop market penetration strategies based on optimism rather than security conditions and develop app attributes that are link to perceived ease of use before focusing on usefulness. [ABSTRACT FROM AUTHOR]
Copyright of Behaviour & Information Technology is the property of Taylor & Francis Ltd and its content may not be copied or emailed to multiple sites without the copyright holder's express written permission. Additionally, content may not be used with any artificial intelligence tools or machine learning technologies. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)
Database: Psychology and Behavioral Sciences Collection
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  Data: Technology readiness, mobile payments and gender- a reflective-formative second order approach.
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  Data: <searchLink fieldCode="JN" term="%22Behaviour+%26+Information+Technology%22">Behaviour & Information Technology</searchLink>. Jun2023, Vol. 42 Issue 7, p1005-1023. 19p. 3 Diagrams, 9 Charts.
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  Data: This study examines the formation of technology readiness among lower-income urban consumers and its influence on the acceptance of mpayment apps for digital money. Using Partial Least Squares-Structural Equation Modeling (PLS-SEM), we analysed 625 survey responses collected in four Colombian cities. We found that perceived usefulness is the main direct antecedent of intention to use, but gender differences were observed. For women, two hypotheses were not significant: TR's influence over perceived ease of use and perceived ease of use over the intention to use, leaving a more straightforward but narrow pathway for influencing intention to use. Men presented a more comprehensive range of pathways, with all hypotheses significant. This is an important finding because women from lower-income households are the main target of government financial inclusion strategies. Innovatively, we evaluated the technology readiness construct in an aggregated way, isolating the importance of each dimension. We found optimism to be more relevant, which indicates that the users are less insecure about technology, akin to the Rogerian concept of innovators. Therefore, managers should develop market penetration strategies based on optimism rather than security conditions and develop app attributes that are link to perceived ease of use before focusing on usefulness. [ABSTRACT FROM AUTHOR]
– Name: AbstractSuppliedCopyright
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  Data: <i>Copyright of Behaviour & Information Technology is the property of Taylor & Francis Ltd and its content may not be copied or emailed to multiple sites without the copyright holder's express written permission. Additionally, content may not be used with any artificial intelligence tools or machine learning technologies. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract.</i> (Copyright applies to all Abstracts.)
PLink https://search.ebscohost.com/login.aspx?direct=true&site=eds-live&db=pbh&AN=163806352
RecordInfo BibRecord:
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    Identifiers:
      – Type: doi
        Value: 10.1080/0144929X.2022.2054729
    Languages:
      – Code: eng
        Text: English
    PhysicalDescription:
      Pagination:
        PageCount: 19
        StartPage: 1005
    Subjects:
      – SubjectFull: Structural equation modeling
        Type: general
      – SubjectFull: Electronic commerce
        Type: general
      – SubjectFull: Digital technology
        Type: general
      – SubjectFull: Mobile apps
        Type: general
      – SubjectFull: Consumer attitudes
        Type: general
      – SubjectFull: Sex distribution
        Type: general
      – SubjectFull: Poverty areas
        Type: general
      – SubjectFull: Internet access
        Type: general
      – SubjectFull: Surveys
        Type: general
      – SubjectFull: Conceptual structures
        Type: general
      – SubjectFull: Socioeconomic factors
        Type: general
      – SubjectFull: Research funding
        Type: general
      – SubjectFull: Intention
        Type: general
      – SubjectFull: Optimism
        Type: general
      – SubjectFull: Reflection (Philosophy)
        Type: general
      – SubjectFull: Educational attainment
        Type: general
      – SubjectFull: Colombia
        Type: general
    Titles:
      – TitleFull: Technology readiness, mobile payments and gender- a reflective-formative second order approach.
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            NameFull: Tavera-Mesías, Juan Fernando
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            NameFull: van Klyton, Aaron
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            NameFull: Collazos, Alexander Zuñiga
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          Dates:
            – D: 01
              M: 06
              Text: Jun2023
              Type: published
              Y: 2023
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              Value: 42
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