Search Results (322)

Financial literacy has grown significantly in recent years, leading to increased accountability among individuals in managing their spending, investments, and financial planning. To effectively develop new technologies, how potential users respond to them beforehand must be understood. In this study, we developed a model based on the unified theory of acceptance and use of technology (UTAUT), encompassing five primary components: performance expectations, social influence, facilitating conditions, satisfaction, and continuation intentions. A total of 250 participants’ data were analyzed using an artificial neural network (ANN) to evaluate the integrated model. The results showed variables affecting lower-middle-class users of a digital financial literacy application’s acceptance of new technology. Full article

The rise of financial technology (FinTech) has generated substantial research on its adoption by customers and the associated implications for traditional banks. This systematic review addresses two questions: (1) What factors enable or hinder consumer adoption of FinTech? (2) How does consumer adoption of FinTech affect the performance of traditional banks? Following the PRISMA guidelines, we screened and analyzed 109 peer-reviewed articles published between 2016 and 2024 in Scopus and Web of Science. The findings show that adoption is driven by economic incentives, digital infrastructure, personalized services, and institutional support, while barriers include limited literacy, perceived risk, and regulatory uncertainty. At the bank level, adoption enhances operational efficiency, customer loyalty, and revenue growth but also generates compliance costs, cybersecurity risks, and competition. Consumer adoption studies primarily employ the Technology Acceptance Model (TAM) and the Unified Theory of Acceptance and Use of Technology (UTAUT), often extended with trust and privacy constructs. In contrast, bank performance research relies on empirical analyses with limited theoretical grounding. This review bridges behavioral and institutional perspectives by linking consumer-level drivers of adoption with organizational outcomes, offering an integrated conceptual framework. The limitations include a restriction of the retrieved literature to English publications in two databases. Future work should apply longitudinal, multi-theory models to deepen the understanding of how consumer behavior shapes bank performance. Full article

We explored the adoption of virtual try-on (VTO) technology in Taiwan’s fashion retail sector, which has gained prominence as consumer behavior online has changed since the COVID-19 pandemic. Using an extended unified theory of acceptance and use of technology 2 (UTAUT2) model, we examined the behavioral intentions and actual usage of VTO. The original framework of the UTAUT2 model was modified by excluding experience and incorporating personality traits as moderating variables. Based on 257 valid survey responses analyzed using SmartPLS 4.1, influencing factors were identified, revealing that gender was a significant moderator in VTO adoption. Full article

(1) Background: Mobile populations living in disadvantaged circumstances often face disrupted continuity of care due to incomplete or inaccessible health records. This feasibility study explored the perceived usefulness of Electronic Personal Health Records (EPHRs) in enhancing access to and continuity of care for mobile populations across Denmark, Ghana, Kenya, and The Netherlands. (2) Methods: A qualitative study using ninety semi-structured interviews, with multi-level stakeholders ranging from policymakers to mobile individuals, recruited through purposive and convenience sampling. Interview guides and analysis were informed by the Technology Acceptance Model (TAM), and analysis by the Unified Theory of Acceptance and Use of Technology (UTAUT). (3) Results: Stakeholders highlighted the value of improved medical data sharing and ownership and considered EPHRs promising for enhancing care continuity and efficiency. Key concerns included limited digital and health literacy, and data security and privacy, underscoring the need for education and safeguards against inappropriate data sharing. Due to differences in digital readiness and privacy guidelines, a one-size-fits-all EPHR is unlikely to succeed. (4) Conclusions: EPHRs are considered valuable tools to enhance care continuity and increase patient ownership, but they face technical, structural, and social challenges, including data security and varying levels of digital (health) literacy. Successful implementation requires context-sensitive, co-created solutions supported by strong policy frameworks. Full article

The new era of FinTech services enabled the financial sector to benefit from innovative and cost-effective products via process automation, fostering a foundation for more sustainable business growth. Despite considerable research, the determinants of FinTech services adoption by businesses remain mostly unknown. For the first time, a mixed-method study is realized combining the perspectives of FinTech services providers (experts) and FinTech service users (businesses that use FinTech). To elicit the providers’ views, interviews have been conducted with experts from FinTech service providers. From the user side, data generated via online surveys was evaluated in an adjusted Unified Theory of Acceptance and Use of Technology (UTAUT2) model tailored to FinTech specifics using the R implementation of PLS-SEM. The results of this analysis enabled comparisons between the perspectives of providers and users to identify similarities and differences in adoption factors. Correspondingly, conclusions on FinTech adoption encourage FinTech service providers to adjust their solutions to better fit the business requirements. For business owners, they provide valuable insights on how to streamline their financials and foster sustainable growth through efficiency gains. Full article

Against the backdrop of the low-altitude economy, with the widespread application of drones in sports scenarios, the driving mechanism of users’ long-term usage intention has become a key issue in technology adoption research. To investigate the critical factors influencing the continuous use of drone products by sports-involved populations, this study builds a factor model for users’ continuous use of drones. It is based on the Unified Theory of Acceptance and Use of Technology (UTAUT) model, integrating the UTAUT2 model and specific user needs in sports scenarios. Both traditional structural equation modeling (SEM) and Bayesian structural equation modeling (BSEM) are employed for empirical testing. Through the analysis of 297 valid questionnaire responses, it is found that the Bayesian approach yields a better fit. Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, Hedonic Motivation, Safety and Environmental Compatibility all exert significant positive impacts on users’ continuous usage intention, with Effort Expectancy having the most prominent influence. On this basis, service strategies for drone brands are proposed to support product design and service provision. This study preliminarily indicates that Bayesian analysis possesses advantages and potential in this field. Meanwhile, the factor model for users’ long-term drone usage can meet the development needs in sports scenarios, and it has strong feasibility as a design model for users’ long-term drone usage. Full article

This study extended the Unified Theory of Acceptance and Use of Technology (UTAUT) by incorporating affective constructs (innovativeness, optimism, and hedonic motivation) to examine user adoption of autonomous bus (AB) in China, where government-supported deployment creates unique adoption dynamics. Analyzing 313 responses, collected via stratified sampling using SmartPLS 4.0, we identified innovativeness as the dominant driver (total effect, β = 0.347), directly influencing behavioral intention (β = 0.164*) and indirectly shaping optimism (β = 0.692*), effort expectancy (β = 0.347*), and hedonic motivation (β = 0.681*). Our findings highlight contextual influences in public service systems. Performance expectancy (β = 0.153*) exerts a stronger effect than hedonic or social factors (H6/H3 rejected), while optimism demonstrates a dual scaffolding effect (OPT→EE, β = 0.189*; OPT→PE, β = 0.401*), reflecting a “calculative optimism” pattern where users balance technological interest with pragmatic utility evaluation in policy-supported deployment contexts. From a practical perspective, these findings suggest targeting high-innovativeness users through incentive programs, emphasizing system reliability over ease of use, and implementing adapted designs. This study contributes to the literature both theoretically, by validating the hierarchical role of innovativeness in UTAUT, and practically, by offering actionable strategies for China’s ongoing AB deployment initiative, including ISO-standardized UX and policy tools such as municipal Innovator Badges. Full article

Background/Objectives: Artificial intelligence (AI) tools for fracture detection in radiographs are increasingly approved for clinical use but remain underutilized. Understanding physician attitudes before implementation is essential for successful integration into emergency care workflows. This study investigates the acceptance of an AI-based fracture detection tool among physicians in emergency care settings, using the Unified Theory of Acceptance and Use of Technology (UTAUT) model. Methods: A cross-sectional, pre-implementation survey was conducted among 92 physicians across three hospitals participating in the SMART Fracture Trial (ClinicalTrials.gov: NCT06754137). The questionnaire assessed the four core UTAUT constructs—performance expectancy (PE), effort expectancy (EE), social influence (SI), facilitating conditions (FC)—and additional constructs such as attitude toward technology (AT), diagnostic confidence (DC), and workflow efficiency (WE). Responses were collected on a five-point Likert scale. Structural equation modeling (SEM) and confirmatory factor analysis (CFA) were performed to assess predictors of behavioral intention (BI). Results: PE was the strongest predictor of BI (β = 0.5882, p < 0.001), followed by SI (β = 0.391, p < 0.001), FC (β = 0.263, p < 0.001), and EE (β = 0.202, p = 0.001). These constructs explained a substantial proportion of variance in BI. WE received the lowest ratings, while internal consistency for SI and BI was weak. Moderator analyses showed prior AI experience improved EE, whereas more experienced physicians were more skeptical regarding WE and DC. However, none of the moderators significantly influenced BI. Conclusions: Physicians’ intention to use AI fracture detection is primarily influenced by perceived usefulness and ease of use. Implementation strategies should focus on intuitive design, targeted training, and clear communication of clinical benefits. Further research should evaluate post-implementation usage and user satisfaction. Full article

Artificial intelligence (AI) is increasingly transforming the public sector, although the willingness of organizations to adopt such technologies varies widely. Existing models, such as the technology–organization–environment (TOE) model, highlight systemic drivers and barriers but overlook the individual-level factors that are also critical to successful adoption. To address this gap, we propose a decision model that combines the TOE model with the unified theory of acceptance and use of technology (UTAUT) and combines the dimensions of technology, organization, environment, and individual readiness. The model was developed using the Analytic Hierarchy Process (AHP) and supports group decision-making by combining the pairwise comparison matrices of multiple experts into a consolidated priority structure. Specifically, many expert judgments were used to create a group matrix for the four main categories and four additional group matrices for the criteria within each category. This structured approach allows for a systematic assessment of whether a public sector organization is ready for AI adoption. The results show the importance of both systemic factors (such as data, technology, innovation, and readiness for change) and individual factors (such as social influence and voluntariness of use). The final model provides a comprehensive and practical decision-making tool for public sector organizations to assess readiness, identify gaps, and guide the strategic adoption of AI. Full article

This study investigates how augmented-reality (AR) technology can enhance the presentation and preservation of cultural heritage, using Kayseri Castle as a case study. Although previous studies have explored AR applications in heritage contexts, few have addressed their role in representing multi-layered architectural histories of complex sites. The research focuses on the development and evaluation of the KAISAREIA-AR application, which integrates historical, architectural, and cultural narratives into an interactive AR platform. By reconstructing the castle’s distinct historical layers—spanning the Roman, Seljuk, Ottoman, and Republic periods—the study seeks to assess AR’s effectiveness in providing immersive visitor experiences while maintaining the authenticity of heritage sites. Three-dimensional models of the castle were created using 3ds Max, enriched with visual and auditory information, and deployed via Unity software on wearable AR devices. The study employed the Unified Theory of Acceptance and Use of Technology (UTAUT) framework and Structural Equation Modeling (SEM) to evaluate the application’s usability and impact on user engagement. The findings indicate that AR significantly enhances the accessibility, understanding, and appreciation of cultural heritage by providing dynamic, immersive experiences. The KAISAREIA-AR application demonstrated its potential to bridge historical authenticity with modern technology, offering a replicable model for integrating AR into cultural heritage conservation and education. Full article

Background: Rapid urbanization has intensified the challenges of freight transport, particularly in last-mile (LM) delivery, leading to rising costs and environmental externalities. Autonomous vehicles (AVs) have emerged as a promising innovation to address these issues. While much of the existing literature emphasizes business and operational perspectives, this study focuses on the acceptance of AVs from the standpoint of e-consumers—individuals who make purchases via digital platforms—in an emerging market context. Methods: Grounded in an extended Unified Theory of Acceptance and Use of Technology 2 (UTAUT2), which is specifically suited to consumer-focused technology adoption research, this study incorporates five constructs tailored to AV adoption. Structural Equation Modeling (SEM) was applied to survey data collected from 304 e-consumers in Northeast Brazil. Results: The findings reveal that performance expectancy, hedonic motivation, and environmental awareness exert significant positive effects on acceptance and intention to use AVs for LM delivery. Social influence shows a weaker, yet still positive, impact. Importantly, price sensitivity exhibits a minimal effect, suggesting that while consumers are generally cost-conscious, perceived value may outweigh price concerns in early adoption stages. Conclusions: These results offer valuable insights for policymakers and logistics providers aiming to implement consumer-oriented, cost-effective AV solutions in LM delivery, particularly in emerging economies. The findings emphasize the need for strategies that highlight the practical, emotional, and environmental benefits of AVs to foster market acceptance. Full article

In the digital era, understanding the intention to use generative AI is critical, as it enhances productivity, transforms workflows, and enables humans to focus on higher-value tasks. Drawing upon the unified theory of acceptance and use of technology (UTAUT) and the technology threat avoidance theory (TTAT), this research integrates perceived AI literacy into the AI acceptance–avoidance framework as a central variable. This study gathered 583 valid survey responses from China and validated its model using a dual-phase, combined method that integrates structural equation modeling and artificial neural networks. Research findings indicate that the model explains 51.6% of the variance in generative AI usage intention. Except for social influence, all variables within the extended framework significantly impact the usage intention, with perceived AI literacy being the strongest predictor (β = 0.33, p < 0.001). Additionally, perceived AI literacy mitigates the adverse effect of perceived threats on the intention to use AI. Practical implications suggest that enterprises adopt a tiered strategy, as follows: maximize perceived benefits by integrating AI skills into reward systems and providing task-automation training; minimize perceived costs through dedicated technical support and transparent risk mitigation plans; and cultivate AI literacy via progressive learning paths, advancing from data analysis to innovation. Full article

This study explores the challenges hindering the government’s adoption of cloud computing despite its benefits in improving services, reducing costs, and enhancing collaboration. Key barriers include information security, privacy, compliance, and perceived risks. Using the Unified Theory of Acceptance and Use of Technology (UTAUT) model, the study conceptualises a model incorporating privacy, governance framework, performance expectancy, and information security as independent variables, with perceived risk as a moderator and government intention as the dependent variable. The study employs exploratory factor analysis (EFA) based on survey data from 71 participants in Nigerian government organisations to validate the measurement scale for these factors. The analysis evaluates variable validity, factor relationships, and measurement reliability. Cronbach’s alpha values range from 0.807 to 0.950, confirming high reliability. Measurement items with a common variance above 0.40 were retained, explaining 70.079% of the total variance on the measurement items, demonstrating reliability and accuracy in evaluating the challenging factors. These findings establish a validated scale for assessing government cloud adoption challenges and highlight complex relationships among influencing factors. This study provides a reliable measurement scale and model for future research and policymakers on the government’s intention to adopt cloud services. Full article

The global shift toward sustainable transportation has gained increasing interest, promoting the use of electric vehicles (EVs) as an environmentally friendly alternative to conventional vehicles as a result of a complex interaction between economic incentives, social dynamics, and environmental imperatives. This study is based on the Extended Unified Theory of Acceptance and Use of Technology (UTAUT2) to understand the key factors influencing consumers’ intentions in the Sultanate of Oman toward adopting electric vehicles. It is based on a mixed methodology combining quantitative data from a questionnaire of 448 participants, analyzed using ordinal logistic regression, with qualitative thematic analysis of in-depth interviews with 18 EV owners. Its results reveal that performance expectations, trust in EV technology, and social influence are the strongest predictors of EV adoption intentions in Oman. These findings suggest that some issues related to charging infrastructure, access to maintenance services, and cost-benefit ratio are key considerations that influence consumers’ intention to accept and use EVs. Conversely, recreational motivation is not a statistically significant factor, which suggests that consumers focus on practical and economic motivations when deciding to adopt EVs rather than on their enjoyment of driving the vehicle. The findings of this study provide valuable insights for decision-makers and practitioners to understand public perceptions of electric vehicles, enabling them to design effective strategies to promote the adoption of these vehicles in the emerging sustainable transportation market of the future. Full article

The rapid development of generative artificial intelligence (AI) systems such as ChatGPT (GPT-4) could transform teaching and learning. Yet, integrating these tools requires insight into what drives students to adopt them. Research on ChatGPT acceptance has so far focused on university settings, leaving school contexts underexplored. This study addresses the gap by surveying 506 upper secondary students in Baden-Württemberg, Germany, using the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2). Performance expectancy, habit and hedonic motivation emerged as strong predictors of behavioral intention to use ChatGPT for school purposes. Adding personality traits and personal values such as conscientiousness or preference for challenge raised the model’s explanatory power only marginally. The findings suggest that students’ readiness to employ ChatGPT reflects the anticipated learning benefits and enjoyment rather than the avoidance of effort. The original UTAUT2 is therefore sufficient to explain students’ acceptance of ChatGPT in school contexts. The results could inform educators and policy makers aiming to foster the reflective and effective use of generative AI in instruction. Full article