{"title":"用户的环保个人规范在电子支付应用中是否具有重要意义?","authors":"Hassana Hilale, Abdellatif Chakor","doi":"10.1057/s41264-024-00286-4","DOIUrl":null,"url":null,"abstract":"<p>The adoption of “Electronic Payment Systems (EPS)” presents an effective alternative for mitigating natural ecosystem degradation and serves as a robust catalyst for fostering green innovation and sustainability efforts. From this perspective, this article aims to investigate the drivers that impact EPS adoption in Morocco. This research also introduces an innovative theoretical framework combining the extended “Unified Theory of Acceptance and Use of Technology (UTAUT)” model by considering three additional constructs namely perceived trust (TR), perceived risk (PR), and structural assurance (SA), along with the “Value-Belief-Norm (VBN)” theory. A sample of 484 users was surveyed, and the PLS-SEM technique was employed to analyze the relationships within the research model. The results indicate that pro-environmental personal norms (PPN) significantly affected both behavior intention to use EPS (BI) and actual use (AU). Likewise, the VBN theory's sequential chain in activating PPN was confirmed as well as the direct impact of social influence (SI) and the new environmental paradigm (NEP) on PPN. Additionally, findings highlighted the significant effect of performance expectancy (PE), TR, SA, PR, SI, and effort expectancy (EE) on BI. However, facilitating conditions (FC) were found to be statistically insignificant toward BI. Similarly, awareness of adverse consequences (AC) did not significantly affect PPN. These findings have deepened our understanding of EPS adoption dynamics, providing valuable insights to policymakers and Fintech firms for more targeted green marketing campaigns, and paving the way for future research.</p>","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":null,"pages":null},"PeriodicalIF":2.9000,"publicationDate":"2024-07-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Do users' pro-environmental personal norms hold significance in electronic payment adoption context?\",\"authors\":\"Hassana Hilale, Abdellatif Chakor\",\"doi\":\"10.1057/s41264-024-00286-4\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"<p>The adoption of “Electronic Payment Systems (EPS)” presents an effective alternative for mitigating natural ecosystem degradation and serves as a robust catalyst for fostering green innovation and sustainability efforts. From this perspective, this article aims to investigate the drivers that impact EPS adoption in Morocco. This research also introduces an innovative theoretical framework combining the extended “Unified Theory of Acceptance and Use of Technology (UTAUT)” model by considering three additional constructs namely perceived trust (TR), perceived risk (PR), and structural assurance (SA), along with the “Value-Belief-Norm (VBN)” theory. A sample of 484 users was surveyed, and the PLS-SEM technique was employed to analyze the relationships within the research model. The results indicate that pro-environmental personal norms (PPN) significantly affected both behavior intention to use EPS (BI) and actual use (AU). Likewise, the VBN theory's sequential chain in activating PPN was confirmed as well as the direct impact of social influence (SI) and the new environmental paradigm (NEP) on PPN. Additionally, findings highlighted the significant effect of performance expectancy (PE), TR, SA, PR, SI, and effort expectancy (EE) on BI. However, facilitating conditions (FC) were found to be statistically insignificant toward BI. Similarly, awareness of adverse consequences (AC) did not significantly affect PPN. These findings have deepened our understanding of EPS adoption dynamics, providing valuable insights to policymakers and Fintech firms for more targeted green marketing campaigns, and paving the way for future research.</p>\",\"PeriodicalId\":46310,\"journal\":{\"name\":\"Journal of Financial Services Marketing\",\"volume\":null,\"pages\":null},\"PeriodicalIF\":2.9000,\"publicationDate\":\"2024-07-02\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Journal of Financial Services Marketing\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.1057/s41264-024-00286-4\",\"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":"Journal of Financial Services Marketing","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.1057/s41264-024-00286-4","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q2","JCRName":"BUSINESS","Score":null,"Total":0}
Do users' pro-environmental personal norms hold significance in electronic payment adoption context?
The adoption of “Electronic Payment Systems (EPS)” presents an effective alternative for mitigating natural ecosystem degradation and serves as a robust catalyst for fostering green innovation and sustainability efforts. From this perspective, this article aims to investigate the drivers that impact EPS adoption in Morocco. This research also introduces an innovative theoretical framework combining the extended “Unified Theory of Acceptance and Use of Technology (UTAUT)” model by considering three additional constructs namely perceived trust (TR), perceived risk (PR), and structural assurance (SA), along with the “Value-Belief-Norm (VBN)” theory. A sample of 484 users was surveyed, and the PLS-SEM technique was employed to analyze the relationships within the research model. The results indicate that pro-environmental personal norms (PPN) significantly affected both behavior intention to use EPS (BI) and actual use (AU). Likewise, the VBN theory's sequential chain in activating PPN was confirmed as well as the direct impact of social influence (SI) and the new environmental paradigm (NEP) on PPN. Additionally, findings highlighted the significant effect of performance expectancy (PE), TR, SA, PR, SI, and effort expectancy (EE) on BI. However, facilitating conditions (FC) were found to be statistically insignificant toward BI. Similarly, awareness of adverse consequences (AC) did not significantly affect PPN. These findings have deepened our understanding of EPS adoption dynamics, providing valuable insights to policymakers and Fintech firms for more targeted green marketing campaigns, and paving the way for future research.
期刊介绍:
Under the guidance of its expert Editors and an eminent international Editorial Board, Journal of Financial Services Marketing has become one of the world''s leading forums for the latest thinking, techniques and developments in marketing financial services. The Journal has established itself as a key bridge between applied academic research and commercial best practice, globally.
The journal covers:
marketing banking services, pension plans, insurance, saving schemes, investment finance, personal finance, mortgages and credit and debit cards
loyalty plans
brand management
cross-selling products and services
customer relationship management
online services
customer profiling
targeting
product positioning
pricing
distribution management
consumer finance
pooled investment funds
The Journal of Financial Services Marketing publishes detailed and authoritative:
Case studies from marketers worldwide, detailing their practical experiences, the problems faced and the lessons learned
Research with IMPLICATIONS FOR PRACTICE from leading business schools, research institutes and universities, worldwide
Reviews and briefings by expert practitioners and academics sharing thought-provoking and challenging ideas
Legal reviews examining in detail the major changes in legislation
Book reviews providing a ''thumbnail'' of best practice in marketing within the financial services field
...to keep subscribers up-to-date with the latest developments and thinking in bank and financial services marketing.