From traits to Intention: The mediating role of result demonstrability in remittance app adoption among Filipino migrant workers

IF 5.5 Q1 MANAGEMENT

Asia Pacific Management Review Pub Date : 2025-05-09 DOI:10.1016/j.apmrv.2025.100368

Yu-Li Lin (Assistant Professor) , Hsiu-Wen Liu (Associate Professor)

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引用次数: 0

Abstract

Despite rapid fintech remittance growth, consumer-centric research on migrant workers’ psychological adoption barriers is lacking. Existing models (Technology Acceptance Model (TAM) and Unified Theory of Acceptance and Use of Technology) do not fully capture individual traits and psychological distance. We address these gaps by integrating the Technology Readiness Index (TRI) with the TAM, revealing result demonstrability as a mediator linking traits to perceptions. A partial least squares-structural equation modeling analysis of 278 Filipino migrant workers in Taiwan revealed that result demonstrability is positively affected by innovativeness and optimism and negatively affected by insecurity. Result demonstrability mediates the relationship between traits and perceived ease of use/usefulness, influencing adoption intention. Our contributions include extending the Technology Readiness (TR)-Acceptance Model with result demonstrability, using psychological distance to explain TR effects, and uncovering a nonlinear relationship between discomfort and result demonstrability. These findings suggest tailoring strategies to user needs for inclusive fintech services.

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从特质到意向：结果可证明性对菲律宾移民汇款应用采纳的中介作用

尽管金融科技汇款增长迅速，但缺乏以消费者为中心的关于农民工心理接纳障碍的研究。现有模型（技术接受模型（TAM）和技术接受与使用统一理论）没有完全捕捉个体特征和心理距离。我们通过整合技术准备指数（TRI）与TAM来解决这些差距，揭示了结果可证明性作为将特征与感知联系起来的中介。对278名台湾菲籍外劳的偏最小二乘-结构方程模型分析发现，结果可证明性受创新与乐观正向影响，受不安全感负向影响。结果可证明性在特质与感知易用性/有用性之间起中介作用，影响采用意向。我们的贡献包括扩展具有结果可论证性的技术准备(TR)-接受模型，使用心理距离来解释TR效应，以及揭示不适与结果可论证性之间的非线性关系。这些发现建议根据用户对包容性金融科技服务的需求制定定制策略。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Asia Pacific Management Review MANAGEMENT-

CiteScore

8.00

自引率

4.50%

发文量

期刊介绍： Asia Pacific Management Review (APMR), peer-reviewed and published quarterly, pursues to publish original and high quality research articles and notes that contribute to build empirical and theoretical understanding for concerning strategy and management aspects in business and activities. Meanwhile, we also seek to publish short communications and opinions addressing issues of current concern to managers in regards to within and between the Asia-Pacific region. The covered domains but not limited to, such as accounting, finance, marketing, decision analysis and operation management, human resource management, information management, international business management, logistic and supply chain management, quantitative and research methods, strategic and business management, and tourism management, are suitable for publication in the APMR.