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In this research paper we investigated the determinants likely to influence the adoption of mobile banking services, with a special focus on under banked/unbanked low-income population of Pakistan. The adoption of mobile banking services has been a strategic goal, both for banks and telcos. For this purpose, Technology Acceptance Model (TAM) was used, with additional determinants of perceived risk and social influence. Data was collected by surveying 372 respondents from the two largest cities (Karachi and Hyderabad) of the province Sindh, in Pakistan using judgement sampling method. This study empirically concluded that consumers’ intention to adopt mobile banking services was significantly influenced by social influence, perceived risk, perceived usefulness, and perceived ease of use. The most significant positive impact was of social influence on consumers’ intention to adopt mobile banking services. The paper concluded with discussion on results, and several business implications for the banking industry of Pakistan.

Online banking has become a vital instrument for delivering quality and easily reached banking services at the lowest possible time with ensuring affordability both for customers and service providers. Although this banking has huge potentials and benefits, the successful adoption of online banking remains a significant challenge in the context of an emerging economy like Bangladesh. The purpose of this empirical study is to investigate the factors influencing the online banking services adoption in Bangladesh by using the extended Technology Acceptance Model (TAM) with government support and risk factors. A questionnaire survey method was used to collect data from 380 banking customers.  To analyse the collected survey data and test the set of hypothesis, a structural equation modelling (SEM) method was used with the help of SmartPLS3 package. The results illustrate that perceived ease of use, perceived usefulness, attitude towards use, government support positively influence the intention to use as well as the intention to use positively impact on intention to continue to the adoption of online banking services. However, the relationship between risk and intention to use was statistically insignificant. Finally, the findings may assist banking professionals and programmers to develop and design successful policies regarding online banking services to boost this service industry in the future.

Communication and information technology have encouraged the use of e-learning systems in the education world. Even the application of the system has become a must in this COVID-19 pandemic health protocol. Nevertheless, it still needs to be observed, whether the consumers would keep using the e-learning system in the future. This study aims to see the effect of interaction variables and learner characteristic toward perceived usefulness and perceived satisfaction on e-learning system that has been used, with the effect of continuance intention toward the system in the future. To answer the purpose of this study, there is a research model has been developed which includes seven hypotheses. For the research object, the researcher chose non-government-owned colleges in Jakarta with the students as the sample chosen by purposive sampling technique. The result of this research shows those seven hypotheses accepted with the significant level at 1%, as well as 5%. It means each of the interaction variables and learning characteristics significantly direct and indirect influence the perceived satisfaction variable as well as the perceived usefulness variable. Moreover, it is proven that perceived usefulness is a significant determinant toward perceived satisfaction, even both of them significantly direct influence continuance intention at e-learning system that has been used.

The accelerated advancement in technology resulted to the appearance of Self Service Technology. One form of self-service technology in the banking sector is the presence of mobile banking. This study aims to examine the influence of five factors toward the reusing of Mobile Bank Central Asia (BCA) in Bandung. Those factors used in this study were the extension of Technology Acceptance Model (TAM) constructs, i.e perceived usefulness, perceived ease of use, perceived credibility, customer awareness and social influence. Data was collected through distributed questionnaire to 100 respondents who used Mobile BCA by using judgment sampling. Multiple linear regression technique was employed to investigate the influence among variables. This study empirically concluded that consumer intention to reuse BCA mobile services was positively influenced by social influence, customer awareness and perceived ease of use. On the other hand, perceived usefulness and perceived credibility did not influence the intention of reusing Mobile BCA in Bandung. Further study is suggested to use probability sampling technique to cover the real voice of mobile banking user in Bandung and to explore the lack influence of perceived usefulness and perceived credibility toward reusing of Mobile BCA.

E-commerce is one of the industries that are able to grow in the middle of the crisis because of the COVID-19 pandemic. This research aims to investigate the factors that influence the continuance intention of online shopping services in the scope of e-commerce. This research uses perceived ease of use as an independent variable that affects the intention with perceived usefulness and trust as mediating variables. This research is categorized as explanatory research. Respondents in this study are Klikindomaret users and the determination of the number of samples in this study using purposive sampling technique with a total sample of 170 respondents. The data collection method used a questionnaire and the data was analyzed using PLS-SEM. The findings of this study indicate that perceived ease of use, perceived usefulness, and trust have a significant effect on continuance intention. Perceived usefulness and trust also play a role in mediating the relationship between perceived ease of use and continuance intention.

The rapid growth of internet penetration and smartphone adoption has significantly accelerated the development of Subscription Video on Demand (SVOD) services in Indonesia, transforming the way consumers access digital entertainment. The increasing competition among streaming service providers has highlighted the importance of understanding the factors that influence users' continuance usage intention. In this paper, it is also aimed to examine the effects of Perceived Usefulness and Perceived Ease of Use on Continuance Usage Intention by extending the Technology Acceptance Model (TAM) and investigating the mediating roles of Trust and User Satisfaction among SVOD users in Indonesia. We employed a quantitative analytics method using a survey method, and the collected data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). A dataset of 180 respondents as active user of an SVOD platform through either an individual (private) subscription account or a shared subscription account has been analyzed in 2025. Main findings of the study demonstrate that (i) a satisfactory model fit with a Goodness-of-Fit (GoF) value of 0.659 and a Standardized Root Mean Square Residual (SRMR) of 0.054. (ii) The hypothesis testing results revealed that Perceived Usefulness, Perceived Ease of Use, Trust, and User Satisfaction had significant positive effects on Continuance Usage Intention., (iii). Perceived Usefulness and Perceived Ease of Use significantly influenced both Trust and User Satisfaction. (iii). The mediation analysis showed that Trust partially mediated the relationship between Perceived Usefulness and Continuance Usage Intention, whereas Trust did not mediate the relationship between Perceived Ease of Use and Continuance Usage Intention. User Satisfaction also did not exhibit a significant mediating effect.

This qualitative study explores the complex factors that affect the acceptance of digital technologies (ADT) in the setting of a least developed country (LDC). In-depth interviews using purposive and convenience sampling techniques were conducted with business professionals (n=40) in Bangladesh, acknowledging the distinct challenges and opportunities that these settings present. Qualitative research offers the chance to delve into professional experiences and obtain comprehensive insights into how they view digital technologies in the real world. In order to provide a theoretical framework for future research, this study employed grounded theory and thematic analysis to explain the factors of the acceptance of digital technologies (ADT). This study proposed five factors to re-conceptualize ADT based on three theories. The study offered a novel insight into factors for ADT from the viewpoints of varied professions, which provided a framework that may serve as the basis for explaining ADT.

This study investigates the effects of perceived ease of use (PEU), perceived usefulness (PU), and trust (TR) on behavioral intention (BI) toward adopting multimodal explainable artificial intelligence systems in long-term care institutions. Specifically, it examines the mediating role of PU in the relationship between PEU and BI and further analyzes how TR moderates the relationships of PEU and PU with BI. Data were collected through an online questionnaire administered to nurses, care attendants, and administrators working in long-term care facilities in Taiwan. A total of 150 questionnaires were distributed, and 125 valid responses were obtained, yielding an effective response rate of 84%. ncluded a clear, non-technical explanation of what a multimodal explainable AI system is, to help readers who are not AI specialists better understand the core conce. The empirical results indicate that PU, PEU, and TR all have significant positive effects on BI. Moreover, PU partially mediates the relationship between PEU and BI, while the interaction terms TR×PEU and TR×PU significantly moderate BI: when trust is high, the effect of PU on BI is strengthened, whereas the effect of PEU on BI is weakened. These findings suggest that, in high-trust settings, long-term care professionals are more willing to tolerate system complexity if the system is clearly useful. Based on these results, the study offers managerial and policy implications for integrating smart technologies into Taiwan’s long-term care sector, emphasizing the importance of usefulness, usability, and trust in enhancing technology adoption. This research extends the Technology Acceptance Model by integrating trust, providing new insights for digital transformation in long-term care

With the emerging use of financial services on e-wallets and the recent growing interest by revenue authorities in levying taxes on digital services in the Philippines, this study primarily aims to determine the factors leading to the actual use of e-wallets, its contribution to the financial inclusion, and to explore the moderation effect of taxation on their relationship. Quadratic regression and moderation analyses were employed to analyze the relationships among the variables of interest. Results show that most predictors have positive relationships, while facilitating conditions manifest a negative relationship with behavioral intention. Furthermore, while results present a positive relationship between behavioral intention and actual use, this study exhibits a significant but slight negative impact of actual use on financial inclusion. It may appear counterintuitive, as e-wallets are generally believed to promote financial inclusion. However, some barriers should be addressed to reverse and maximize the positive potential of using e-wallets for a more financially inclusive society. Lastly, the interaction term between actual use and taxation reveals a positive coefficient, suggesting that individual negative effects of actual use and taxation on financial inclusion are mitigated when they occur together. An effective whole-of-economy approach that enhances financial inclusion among consumers must be promoted.

Artificial intelligence has gradually become an important tool for organizational strategy and research and development activities, with applications involving human–machine collaboration, process transformation, and the dynamic process of technology adoption. However, AI usage behavior of research and development personnel in professional contexts has not yet been thoroughly investigated. Grounded in social cognitive theory, this study examines the mechanisms through which organizational support, social influence, performance expectancy, and personal innovativeness affect AI usage. Using purposive sampling, data were collected from 238 valid responses of technology R&D personnel in Kaohsiung, and structural equation modeling was employed for analysis. The results indicate that the direct effects of organizational support and social influence on AI usage are not significant, but both indirectly influence AI usage through performance expectancy, highlighting performance expectancy as the core driver of AI adoption. In addition, personal innovativeness demonstrates a significant moderating effect, as individuals with higher innovativeness are better able to translate performance beliefs into actual behavior. These findings suggest that in knowledge-intensive environments, external support and social norms must be integrated with employees’ perceptions of AI benefits to facilitate actual adoption. Theoretically, this study extends the application of social cognitive theory to AI usage, addressing the limitations of prior research that focused solely on external factors; practically, it reminds managers to strengthen employees’ performance expectancy and design promotion strategies tailored to individual differences in order to foster organizational digital transformation.