街头小贩接受数字支付应用程序过程中的技术采用动态:使用PLS-SEM对UTAUT2的扩展

IF 3 Q2 BUSINESS
Shivani Prasad, Yogesh Sharma, Ankit Suri
{"title":"街头小贩接受数字支付应用程序过程中的技术采用动态:使用PLS-SEM对UTAUT2的扩展","authors":"Shivani Prasad, Yogesh Sharma, Ankit Suri","doi":"10.1177/09722629231187260","DOIUrl":null,"url":null,"abstract":"In this study, we employed Partial Least Squares Structural Equation Modeling (PLS-SEM) to evaluate the factors influencing the adoption of digital payment applications among street vendors. Street vendors, who significantly contribute to the informal sector, are well-known in India because they offer affordable goods and services at their customers’ doorsteps. Understanding the mechanics of technology adoption is essential to fostering digitalization in the unorganized sector. We performed a primary survey to get input from 306 street vendors in New Delhi, India for analysis. Three additional constructs—Privacy Risk, Security and Digital Literacy—were introduced to the UTAUT2 model and were tested using PLS-SEM. The results reveal that while digital literacy strongly influences behavioural intention among street vendors in India, privacy risk and security were not significantly influencing behavioural intention to use mobile-based digital payment applications. While street vendors have been ignorant of privacy risks and security, there are increasing cases of fraud and data leaks during digital transactions. Therefore, as a managerial implication, it is suggested that digital payment-based companies should pay close attention to conducting awareness programs on privacy risks and security for street vendors to ensure the smooth and safe adoption of digital payment apps in the informal sector.","PeriodicalId":44860,"journal":{"name":"Vision-The Journal of Business Perspective","volume":null,"pages":null},"PeriodicalIF":3.0000,"publicationDate":"2023-10-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Dynamics of Technology Adoption During Street Vendors Acceptance of Digital Payment Apps: An Extension of UTAUT2 Using PLS-SEM\",\"authors\":\"Shivani Prasad, Yogesh Sharma, Ankit Suri\",\"doi\":\"10.1177/09722629231187260\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"In this study, we employed Partial Least Squares Structural Equation Modeling (PLS-SEM) to evaluate the factors influencing the adoption of digital payment applications among street vendors. Street vendors, who significantly contribute to the informal sector, are well-known in India because they offer affordable goods and services at their customers’ doorsteps. Understanding the mechanics of technology adoption is essential to fostering digitalization in the unorganized sector. We performed a primary survey to get input from 306 street vendors in New Delhi, India for analysis. Three additional constructs—Privacy Risk, Security and Digital Literacy—were introduced to the UTAUT2 model and were tested using PLS-SEM. The results reveal that while digital literacy strongly influences behavioural intention among street vendors in India, privacy risk and security were not significantly influencing behavioural intention to use mobile-based digital payment applications. While street vendors have been ignorant of privacy risks and security, there are increasing cases of fraud and data leaks during digital transactions. Therefore, as a managerial implication, it is suggested that digital payment-based companies should pay close attention to conducting awareness programs on privacy risks and security for street vendors to ensure the smooth and safe adoption of digital payment apps in the informal sector.\",\"PeriodicalId\":44860,\"journal\":{\"name\":\"Vision-The Journal of Business Perspective\",\"volume\":null,\"pages\":null},\"PeriodicalIF\":3.0000,\"publicationDate\":\"2023-10-05\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Vision-The Journal of Business Perspective\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.1177/09722629231187260\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q2\",\"JCRName\":\"BUSINESS\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Vision-The Journal of Business Perspective","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.1177/09722629231187260","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q2","JCRName":"BUSINESS","Score":null,"Total":0}
引用次数: 0

摘要

本研究采用偏最小二乘结构方程模型(PLS-SEM)来评估影响摊贩采用数字支付应用的因素。街头小贩对非正规部门做出了重大贡献,他们在印度很有名,因为他们在顾客家门口提供价格合理的商品和服务。了解技术采用的机制对于促进无组织部门的数字化至关重要。我们对印度新德里的306个街头小贩进行了初步调查,以供分析。另外三个结构——隐私风险、安全和数字素养——被引入到UTAUT2模型中,并使用PLS-SEM进行了测试。结果显示,虽然数字素养强烈影响印度街头小贩的行为意愿,但隐私风险和安全并未显著影响使用基于移动的数字支付应用程序的行为意愿。虽然街头小贩对隐私风险和安全一无所知,但在数字交易中,欺诈和数据泄露的案例越来越多。因此,作为管理启示,建议以数字支付为基础的公司应密切关注对街头摊贩的隐私风险和安全意识项目,以确保数字支付应用程序在非正规部门的顺利和安全采用。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Dynamics of Technology Adoption During Street Vendors Acceptance of Digital Payment Apps: An Extension of UTAUT2 Using PLS-SEM
In this study, we employed Partial Least Squares Structural Equation Modeling (PLS-SEM) to evaluate the factors influencing the adoption of digital payment applications among street vendors. Street vendors, who significantly contribute to the informal sector, are well-known in India because they offer affordable goods and services at their customers’ doorsteps. Understanding the mechanics of technology adoption is essential to fostering digitalization in the unorganized sector. We performed a primary survey to get input from 306 street vendors in New Delhi, India for analysis. Three additional constructs—Privacy Risk, Security and Digital Literacy—were introduced to the UTAUT2 model and were tested using PLS-SEM. The results reveal that while digital literacy strongly influences behavioural intention among street vendors in India, privacy risk and security were not significantly influencing behavioural intention to use mobile-based digital payment applications. While street vendors have been ignorant of privacy risks and security, there are increasing cases of fraud and data leaks during digital transactions. Therefore, as a managerial implication, it is suggested that digital payment-based companies should pay close attention to conducting awareness programs on privacy risks and security for street vendors to ensure the smooth and safe adoption of digital payment apps in the informal sector.
求助全文
通过发布文献求助,成功后即可免费获取论文全文。 去求助
来源期刊
CiteScore
4.60
自引率
0.00%
发文量
121
期刊介绍: Vision-The Journal of Business Perspective is a quarterly peer-reviewed journal of the Management Development Institute, Gurgaon, India published by SAGE Publications. This journal contains papers in all functional areas of management, including economic and business environment. The journal is premised on creating influence on the academic as well as corporate thinkers. Vision-The Journal of Business Perspective is published in March, June, September and December every year. Its targeted readers are researchers, academics involved in research, and corporates with excellent professional backgrounds from India and other parts of the globe. Its contents have been often used as supportive course materials by the academics and corporate professionals. The journal has been providing opportunity for discussion and exchange of ideas across the widest spectrum of scholarly opinions to promote theoretical, empirical and comparative research on problems confronting the business world. Most of the contributors to this journal range from the outstanding and the well published to the upcoming young academics and corporate functionaries. The journal publishes theoretical as well as applied research works.
×
引用
GB/T 7714-2015
复制
MLA
复制
APA
复制
导出至
BibTeX EndNote RefMan NoteFirst NoteExpress
×
提示
您的信息不完整,为了账户安全,请先补充。
现在去补充
×
提示
您因"违规操作"
具体请查看互助需知
我知道了
×
提示
确定
请完成安全验证×
copy
已复制链接
快去分享给好友吧!
我知道了
右上角分享
点击右上角分享
0
联系我们:info@booksci.cn Book学术提供免费学术资源搜索服务,方便国内外学者检索中英文文献。致力于提供最便捷和优质的服务体验。 Copyright © 2023 布克学术 All rights reserved.
京ICP备2023020795号-1
ghs 京公网安备 11010802042870号
Book学术文献互助
Book学术文献互助群
群 号:481959085
Book学术官方微信