Understanding consumer's acceptance of technology-based innovations in retailing

Journal of Technology Management and Innovation

Volumn 7, Issue 4, 2012, Pages 1-19

  Pantano, Eleonora ^a   Di Pietro, Loredana ^b  

^a UNIVERSITY OF CALABRIA   (Italy)

^b UNIVERSITY OF MOLISE   (Italy)

Author keywords

Consumer's behaviour; Innovation; Retailing; Technology acceptance model (TAM); Technology adoption

Indexed keywords

EID: 84872791946     PISSN: None     EISSN: 07182724     Source Type: Journal    
DOI: 10.4067/S0718-27242012000400001     Document Type: Article

References (131)

1. AJZEN, I. 2002. Perceived Behavioural Control, Self-Efficacy, Locus of Control, and the Theory of Planned Behavior. Journal of Applied Social Psychology, 32, 665-683.
2. ALEXANDER, A., Nell, D., Bailey, A.R., and Shaw, G. 2009. The co-creation of a retail innovation: shoppers and the early supermarket in Britain. Enterprise & Society, 10 (3), 529-558.
3. ALSAJJAN, B., and Dennis C. 2010. Internet banking acceptance model: Cross-market examination. Journal of Business Research, 63, 957-963.
4. Al-Somali S. A, Gholami R., and Clegg B. 2009. An investigation into the acceptance of online banking in Saudi Arabia. Technovation, 29, 130-141.
5. BAKOS, Y., Lucas, H. C. Jr., Oh, W., Simon, G., Viswanathan, S., and Weber, B. 2010. The Impact of Electronic Commerce on Competition in the Retail Brokerage Industry. Information Systems Research, 16 (4), 352-371.
6. BAIER, D., and Stuber E. 2010. Acceptance of recommendations to buy in online retailing. Journal of Retailing and Consumer Services, 17, 173-180.
7. BERRY, L.L., Bolton, R.N., Bridges, C.H., Meyer, J., Parasuraman, A., and Seiders, K. 2010. Opportunities for innovation in the delivery of interactive retail services. Journal of Interactive Marketing, 24, 155-167.
8. BEUGELSDIJK, S., de Groot, H. L., and van Schaik, A. B. 2004. Trust and Economic Growth: A Robustness Analysis. Oxford University Press, 56 (1), 118-134.
9. BENAMATI, J., Fuller, M.A., Serva, M.A., and Baroudi, J. 2010. Clarifying the Integration of Trust and TAM in E-Commerce Environments: Implications for Systems Design and Management. IEEE Transactions on Engineering Management, 57 (3), 380-393.
10. BHARADWAJ, N., Walker Naylor, R. and Hofstede, F. 2009. Consumer response to and choice of customized versus standardized systems. International Journal of Research in Marketing, 26 (3), 216-227.
11. BHATTACHERJEE, A. 2000. Acceptance of e-commerce services: the case of electronic brokerages, IEEE Transactions on Systems, Man and Cybernetics, 30 (4), 411-420.
12. BREUGELMANS, E., and Campo, K. 2011. Effectiveness of In-Store Displays in a Virtual Store Environment. Journal of Retailing, 87 (1), 75-89.
13. CARLSSON, S., Corvello, V., and Migliarese, P. (2008). Enabling open innovation: proposal of a framework supporting ICT and KMS implementation in web-based intermediaries. 17th European Conference on Information Systems (ECIS).
14. CASALO, LV., Flaviàn, C., and Guinalìu, M. 2010. Determinants of the intention to participate in firm-hosted online travel communities and effects on consumer behavioural intentions. Tourism Management, 31, 898-911.
15. CHANG, H.H. 2010. Task-technology fit and user acceptance of online auction. International Journal of Human-Computer Studies, 68, 69-89.
16. CHANG, G., and Caneday, L. 2011. Web-based GIS in tourism information search: Perceptions, tasks, and trip attributes. Tourism Management, 32 (6), 1435-1437.
17. CHANG, K., and Chang, C.C. 2009. Library self-service. Predicting user intentions related to self-issue and return systems. The Electronic Library, 27 (6), 938-949.
18. CHEN, Y.C., Shang, R.A., and Kao C.Y. 2009. The effects of information overload on consumers subjective state towards buying decision in the internet shopping environment. Electronic Commerce Research and Applications, 8 (1), 48-58.
19. CHEN, S.-S., Chen, H.-H., and Chen, M.-F. 2009a. Determinants of satisfaction and continuance intention towards self-service technologies. Industrial Management & Data Systems, 109 (9), 1248-1263.
20. CHEUNG, C.M.K., Chiu, P.K., and Lee, M.K.O. 2011. Online social networks: Why do students use facebook? Computers in Human Behaviour, 27(4), 1337-1343.
21. CHILDERS, T.L., Carr, C.L., Peck, J., and Carson, S. 2001. Hedonic and utilitarian motivations for online retail shopping behavior. Journal of Retailing, 77 (4), 511-535.
22. CHIU, Y.-T. H., Fang, S.-C., and Tseng, C.-C. 2010. Early versus potential adopters. Exploring the antecedents of use intention in the context of retail service innovations. International Journal of Retail & Distribution Management, 38 (6), 443-459.
23. CHIU, C.M., Huang, H.Y., and Yen, C.H. 2010a. Antecedents of trust in online auctions. Electronic Commerce Research and Applications, 9, 148-159.
24. CHIU, PH., Kao, G.Y.M. and Lo, C.C. 2010b. Personalized blog content recommender system for mobile phone users. International Journal of Human-Computer Studies, 68, 496-507.
25. CHIU, C.M., Chang, C.C., Cheng, H.L., and Fang, Y.H. 2009. Determinants of customer repurchase intention in online shopping. Online Information Review, 33 (4), 761-784.
26. CHOE, Y.C., Park, J., Chung, M., and Moon, J. 2009. Effect of the food traceability system for building trust: Price premium and buying behaviour. Information Systems Frontiers, 11, 167-179.
27. CHONG, A.Y.L., Ooi, K.B., Lin, B.S., and Raman, M. 2009. Factors affecting the adoption level of e-commerce: An empirical study. Journal of Computer Information Systems, 50 (2), 13-22.
28. DAVIS, F.D. 1989. Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13, 319-340.
29. DENNIS, C., Newman, A., Brakus, J.J., and Wright, L.T. 2010. The mediating effects of perception and emotion: digital signage in mall atmospherics. Journal of Retailing and Consumer Services, 17 (3), 205-215.
30. DIMITRIADIS, S., and Kyrezis, N. 2011. The effect of trust, channel technology, and transaction type on the adoption of self-service bank channels. The Service Industries Journal, 31 (8), 1293-1310.
31. DI PIETRO, L., Di Virgilio, F., and Pantano, E. 2012. Social network for the choice of tourist destination: Attitude and behavioural intention. Journal of Hospitality and Tourism Technology, 3 (1), 60-76.
32. DOONG, H.S., Wang, H.C., and Foxall, G.R. 2011. An investigation of consumers' web store shopping: A view of click and-mortar company. International Journal of Information Management, 31 (3), 2010-216.
33. DU, H., Whinston, A.B., Lu, T., and Liu, J. 2010. An empirical study of consumer adoption on mobile data services (MDS) in China. Second International Conference on MultiMedia and Information Technology, 298-301.
34. EASTLICK, M. A., Ratto, C., Lotz, S. L., and Mishra, A. 2012. Exploring antecedents of attitude toward co-producing a retail checkout service utilizing a self-service technology. The International Review of Retail, Distribution and Consumer Research, 22 (4), 337-364
35. EIGHMEY, J., and McCord, L. 1998. Adding Value in the Information Age: Uses and Gratifications of Sites on the World Wide Web. Journal of Business Research, 41, 187-194.
36. FISHBEIN, M., and Ajzen, I. 1975. Belief, Attitude, Intention, and Behavior: An Introduction to Theory and Research. Reading, MA: Addison-Wesley.
37. GODWIN, J.U. 2001. Privacy and Security concerns as a major barrier for e-commerce: a survey study. Information Management & Computer Security, 9 (4), 165-174.
38. GREENHALGH, T. and Peacock, R. 2005. Effectiveness and efficiency of search methods in systematic reviews of complex evidence: Audit of primary sources. British Medical Journal, 331, 1064-1065.
39. GUPTA, S., and Xu, H. 2010. Examining the relative influence of risk and control on intention to adopt risky technologies. Journal of Technology Management & Innovation, 5 (4), 22-37.
40. HA, S. and Stoel, L. 2009. Consumer e-shopping acceptance: Antecedents in a technology acceptance model. Journal of Business Research, 62, 565-571.
41. HAN, L., and Jin, Y. 2009. A Review of Technology Acceptance Model in the E-commerce Environment. International Conference on Management of e-Commerce and e-Government, 28-31.
42. HAUSMANN, A.V., and Siekpe, J.S. 2009. The effect of web interface features on consumer online purchase intentions. Journal of Business Research, 62, 5-13.
43. HERNANDEZ, B., Jimenez, J., and Martin, M.J. 2009a. Adoption Vs acceptance of e-commerce: two different decisions. European Journal of Marketing, 43 (9/10), 1232-1245.
44. HERNANDEZ, B., Jimenez, J. and Martin, M.J. 2009b. The impact of self-efficacy, ease of use and usefulness on e-purchasing: An analysis of experienced e-shoppers. Interacting with Computers, 21, 146-156.
45. HERNANDEZ, B., Jiménez, J. and Martin, M.J. 2010. Customer behaviour in electronic commerce: The moderating effect of e-purchasing experience. Journal of Business Research, 63, 964-971.
46. HSIAO, M.H. 2009. Shopping mode choice: Physical store shopping versus e-shopping. Transportation Research Part E, 45, 86-95.
47. HU, Y., Sun, X., Zhang, J., Zhang, X., Luo, F., and Huang, L. 2009. A University Student Behavioural Intention Model of Online Shopping Based on TAM. International Conference on Information Management, Innovation Management and Industrial Engineering, 625-628.
48. HUNG, Y.H., Huang, M.L. and Chen, K.S. 2003. Service quality evaluation by service quality performance matrix. Total Quality Management, 14, 79-89.
49. IRANI, Z., Dwivedi, Y.K., and Williams, M.D. 2009. Understanding consumer adoption of broadband: an extension of the technology acceptance model. Journal of the Operational Research Society, 60, 1322-1334.
50. JAYASINGH, S., and Eze, U.C. 2009. Exploring the Factors Affecting the Acceptance of Mobile Coupons in Malaysia. Eighth International Conference on Mobile Business, 329-334.
51. JIANG, P. 2009. Consumer Adoption of Mobile Internet Services: An Exploratory Study. Journal of Promotion Management, 15, 418-454.
52. JIN, S.A. 2009. The Roles of Modality Richness and Involvement in Shopping Behaviour in 3D Virtual Stores. Journal of Interactive Marketing, 23 (3), 234-246.
53. KANG, Y.S., and Lee, H. 2010. Understanding the role of an IT artefact in online service continuance: An extended perspective of user satisfaction. Computers in Human Behaviour, 26, 353-364.
54. KALAKOTA, R., and Whinston, A. 1997. Electronic Commerce: a manager's guide. Boston: Addison-Wesley.
55. KASENIEMI, E., and Rautiainen, P. 2002. Mobile culture of children and teenagers in Finland. In: Katz, J.E., Aakhus, M. (Eds.), Perpetual contact. New York: Cambridge University Press.
56. KIM, J., and Forsythe, S. 2009. Adoption of sensory enabling technology for online apparel shopping. European Journal of Marketing, 43 (9/10), 1101-1120.
57. KIM, B., and Han, I. 2011. The role of utilitarian and hedonic values and their antecedents in a mobile data service environment. Expert Systems with Applications, 38, 2311-2318.
58. KIM, H.B., Kim, T., and Shin, S.W. 2009. Modelling roles of subjective norms and eTrust in customers' acceptance of airline B2C eCommerce websites. Tourism Management, 30, 266-277.
59. KIM, T., Lee, J. H., and Law, R. 2008. An empirical examination of the acceptance behaviour of hotel front office systems: An extended technology acceptance model. Tourism Management, 29, 500-513.
60. KIM, C., Mirusmonov, M., and Lee, I. 2010. An empirical examination of factors influencing the intention to use mobile payment. Computers in Human Behaviour, 26, 310-322.
61. KIM, H., and Niehm, L.S. 2009. The impact of Website Quality on Information Quality, Value, and Loyalty Intentions in Apparel Retailing. Journal of Interactive Marketing, 23 (3), 221-233.
62. KIM, K.K., Shin, H.K., and Kim, B. 2011. The role of psychological traits and social factors in using new mobile communication services. Electronic Commerce Research and Applications, 10 (4), 408-417.
63. KOUFARIS, M. 2002. Applying the Technology Acceptance Model and Flow Theory to Online Consumer Behavior. Information Systems Research, 13 (2), 205-223.
64. KOWATESCH, T., and Maass, W. 2010. In-store consumer behaviour: How mobile recommendation agents influence usage intentions, product purchases, and store preferences. Computers in Human Behaviour, 26, 697-704.
65. LAROSE, R., and Eastin, M. S. 2002. Is on-line buying out of control? Electronic commerce and consumer selfregulation. Journal of Broadcasting and Electronic Media, 46 (4), 549-564.
66. LEE, M., Cheung, C., and Chen, Z. 2005. Acceptance of Internet-based learning medium: the role of extrinsic and intrinsic motivation. Information and Management, 42, 1095-1104.
67. LEE, M.C. 2009. Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefit. Electronic Commerce Research and Applications, 8, 130-141.
68. LEE, S.M., and Chen, L. 2010. The impact of flow on online consumer behaviour. Journal of Computer Information Systems, 4, 1-10.
69. LEE W., Chiu Y.T.H., Liu C.-C., and Chen C.-Y. 2011. Assessing the effects of consumer involvement and service quality in a self-service setting. Human Factors and Ergonomics in Manufacturing & Service Industries, 21 (5), 504-515.
70. LI, Y.M. and Yeh, Y.S. 2010. Increasing trust in mobile commerce through design aesthetics. Computers in Human Behaviour, 26, 673-684.
71. LIU, C., and Forsythe, S. 2011. Examining drivers of online purchase intensity: Moderating role of adoption duration in sustaining post-adoption online shopping. Journal of Retailing and Consumer Services, 18 (1), 101-109.
72. LIU, Y., Li, H., and Carlsson, C. 2010. Factors driving the adoption of m-learning: An empirical study. Computers & Education, 55, 1211-1219.
73. LIU, S.H., Liao, H.L., and Pratt, J.A. 2009. Impact of media richness and flow on e-learning technology acceptance. Computers & Education, 52, 599-607.
74. LIU, S.-F., Huang, L.-S., and Chiou, Y.-H. 2012. An integrated attitude model of self-service technologies: evidence from online stock trading systems brokers. The Service Industries Journal, 32 (11), 1823-1835.
75. LUO, X., Li, H., Zhang, J., and Shim, J.P. 2010. Examining multi-dimensional trust and multi-faceted risk in initial acceptance of emerging technologies: An empirical study of mobile banking services. Decision Support Systems, 49, 222-234.
76. MATHIESON, K. 1991. Predicting user intentions: Comparing the technology acceptance model with the theory of planned behavior. Information Systems Research, 2 (3), 173-191.
77. MATHWICK, C., Wagner, J., and Unni, R. 2010. Computer Mediated Customization Tendency (CMCT) and the Adaptive e-Service Experience. Journal of Retailing, 86 (1), 11-21.
78. MCKINNEY, V., Yoon, K., and Zahedi F. 2002. The Measurement of Web-Customer Satisfaction: An Expectation and Disconfirmation Approach. Information System Research, 13 (3), 296-315.
79. Muller-Seitz, G., Dautzenber, K., Creusen, U., and Stromereder, C. 2009. Customer acceptance of RFID technology: Evidence from the German electronic retail sector. Journal of Retailing and Consumer Services, 16, 31-39.
80. NOVAK, T. P., Hoffman, D. L., and Yung, Y.F. 2000. Measuring the Customer Experience in Online Environments: A Structural Modelling Approach. Marketing Science, 19 (1), 22-42.
81. OCHI, P., Rao, S., Takayama, L. and Nass, C. 2010. Predictors of user perceptions of web recommender systems: How the basis for generating experience and search product recommendations affects user responses. International Journal of Human-Computer Studies, 68, 472-482.
82. OGHAZI, P., Mostaghel R., Hultamn M., and Parida V. 2012. Antecedents of technology-based self-service acceptance: a proposed model. Service Marketing Quarterly, 33, 195-210.
83. OH, S.H., Kim, Y.M., Lee, C.W., and Shim, G.Y. 2009. Consumer Adoption of Virtual Stores in Korea: Focusing on the Role of Trust and Playfulness. Psychology & Marketing, 26 (7), 652-668.
84. PAI, J.C. and Tu, F.M. 2011. The acceptance and use of customer relationship management (CRM) systems: An empirical study of distribution service industry in Taiwan. Expert Systems with Applications, 38, 579-584.
85. PALVIA, P. 2009. The role of trust in e-commerce relational exchange: A unified model. Information & Management, 46, 213-220.
86. PANTANO, E., and Laria, G. 2012. Innovation in retail process: from consumers' experience to immersive store design. Journal of Technology Management & Innovation, 7 (3), 198-205.
87. PANTANO, E., and Corvello, V. 2010. Digital contents management for improving consumers' experience. International Journal of Digital Content Technology and its Application, 4 (7), 8-10.
88. PANTANO, E., and Servidio, R. 2012. Modelling innovative points of sales through virtual and immersive technologies. Journal of Retailing and Consumer Services, 19 (3), 279-286.
89. PANTANO, E., and Viassone, M. 2012. Consumers' expectation of innovation: shift retail strategies for more attractive points of sale. International Journal of Digital Content Technology and its Applications, 16 (21), 455-461.
90. PAVLOU, P.A. 2003. Consumer Acceptance of Electronic Commerce: Integrating Trust and Risk with the Technology Acceptance Model. International Journal of Electronic Commerce, 7 (3), 101-134.
91. PUCCINELLI, N.M., Goodstein, R.C., Grewal, D., Price, R., Raghubir, P. and Stewart, D. 2009. Customer Experience Management in Retailing: Understanding the Buying Process. Journal of Retailing, 85 (1), 15-30.
92. RAVASI, D. and Stigliani, I. Product design: a review and research agenda for management studies. International Journal of Management Reviews, 14 (4), 464-488.
93. REINDERS, M.J., Dabholkar P.A. and Frambach, R.T. 2008. Consequences of Forcing Consumers to Use Technology Based Self-Service. Journal of Service Research, 11 (2), 107-123.
94. SAN MARTIN GUTIERREZ, S., Camarero Izquierdo, C. and San José Cabezudo, R. 2010. Product and channel-related risk and involvement in online contexts. Electronic Commerce Research and Applications, 9, 263-273.
95. SCHIERZ, P.G., Schilke, O., and Wirtz, B.W. 2010. Understanding consumer acceptance of mobile payment services: An empirical analysis. Electronic Commerce Research and Applications, 9, 209-216.
96. SHEN, C.C., and Chiou, J.S. 2010. The impact of perceived ease of use on Internet service adoption: The moderating effects of temporal distance and perceived risk. Computers in Human Behaviour, 26, 42-50.
97. SHIN, D.H. 2009a. Towards an understanding of the consumer acceptance of mobile wallet. Computers in Human Behaviour, 25, 1343-1354.
98. SHIN, D.H. 2009b. An empirical investigation of a modified technology acceptance model of IPTV. Behaviour & Information Technology, 28 (4), 361-372.
99. SIMMONS, K., and Istook, C.L. 2003. Body Measurement techniques: a Comparison of 3D Body Scanning and Anthropometric Methods for Apparel Applications. Journal of Fashion Marketing and Management, 7 (3), 306-332.
100. SODERLUND, M., and Julander, C.R. 2009. Physical attractiveness of the service worker in the moment of truth and its effects on customer satisfaction. Journal of Retailing and Consumer Services, 16 (3), 216-226.
101. SORESCU, A., Frambach, R.T., Singh, J., Rangaswamy, A. and Bridges, C. 2011. Innovations in retail business models. Journal of Retailing, 87S (1), S3-S16.
102. SUN, B., and Han, I. 2002, Effect of trust on customer acceptance of Internet banking. Electronic Commerce Research and Applications, 1, 247-263.
103. SUN, Q., Hao, C., and Jianxin, Y. 2010. Factors Influencing the Adoption of Mobile Service in China: An Integration of TAM. Journal of Computers, 5 (5), 799-806.
104. SUN, Q., Wang, C., and Cao, H. 2009. An Extended TAM for Analyzing Adoption Behavior of Mobile Commerce. Eighth International Conference on Mobile Business, 52-56.
105. TANAKINJAL, G.H., Deans, K.R., and Gray, B.J. 2010. Third Screen Communication and the Adoption of Mobile Marketing: A Malaysia Perspective. International Journal of Marketing Studies, 2 (1), 36-47.
106. TAYLOR, D., and Strutton, D. 2010. Has e-marketing come of age? Modelling historical influences on post-adoption era Internet consumer behaviours. Journal of Business Research, 63, 950-956.
107. TSAI, Y.C., and Yeh, J.C. 2010. Perceived risk of information security and privacy in online shopping: A study of environmentally sustainable products. African Journal of Business Management, 4(18): 4057-4066.
108. TSENG, F.M., and Lo, H.Y. 2011. Antecedents of consumers' intentions to upgrade their mobile phones. Telecommunications Policy, 35, 74-86.
109. UDO, G.J., Bagchi, K.K., and Kirs, P.J. 2010. An assessment of customers' e-service quality perception, satisfaction and intention. International Journal of Information Management, 30, 481-492.
110. VAN DER HEIJDEN, H. Verhagen, T. and Creemers, M. 2003. Understanding online purchase intentions: Contributions from technology and trust perspectives. European Journal of Information Systems, 12, 41-48.
111. VAN DER HEIJDEN, H., H., and Verhagen, T. 2004. Online store image: conceptual foundations and empirical measurement. Information & Management, 41 (5), 609-617
112. VENKATESH, V. 2000. Determinants of Perceived Ease of Use: Integrating Control, Intrinsic Motivation, and Emotion into the Technology Acceptance Model. Information Systems Research, 11 (4), 342-365.
113. VENKATESH, V., Morris, M.G., Davis, G.B., and Davis, F.D. 2003. User Acceptance of Information Technology: Toward a Unified View. MIS Quarterly, 27 (3), 425-478.
114. VENKATESH, V., Thong J.Y.L., and Xu X. 2012. Consumer acceptance and use of information technology: extending the unified theory of acceptance and use of technology. MIS Quarterly, 36 (1), 157-178.
115. VIEIRA, V.A. 2010. Visual aesthetics in store environment and its moderating role on consumer intention. Journal of Consumer Behaviour, 9, 364-380.
116. VIJAYARAMAN, B., Osyk, B. A., Chavada, D. 2008. An exploratory study of RFID adoption in the paperboard packaging industry. Journal of Technology Management & Innovation, 3 (4), 95-110.
117. VRECHOPOULOS, A., and Atherinos, E. 2009. Web banking layout effects on consumer behavioural intentions. International Journal of Bank Marketing, 27 (7), 524-546.
118. WAN ISMAIL, W.K., Chan, P.H.K., Buhari, N., Muzaini, A. 2012. Acceptance of smartphone in enhancing patient-caregivers relationship. Journal of Technology Management & Innovation, 7 (3), 71-79
119. WEI, T.T., Marthandan, G., Ching, A.Y.L., Oi, K.B. and Arumugam, S. 2009. What drives Malaysian m-commerce adoption? An empirical analysis. Industrial Management & Data Systems, 109 (3), 370-388.
120. WENG Z., Liu D., and Zhao D. 2012, Study of customer productivity-using technology based self-service options. International Joint Conference on Service Sciences, IEEE, 301-306.
121. WILLOW, C. 2010. Third-generation display technology: nominally transparent material. Journal of Technology Management & Innovation, 5 (4), 108-120.
122. WOLFINBARGER, M., and Gilly, M. 2001. Shopping online for freedom, control, and fun. California Management Review, 43 (2), 34-55.
123. WOSZCZYNSKI, A.B., Roth, P.L., and Segars, A.H. 2002. Exploring the theoretical foundations of playfulness in computer interactions. Computers in Human Behavior, 18 (4), 369-388.
124. WU, L.T. 2010. An Empirical Study on Factors Affecting Customer Intention in Mobile Commerce Contexts. Second International Conference on MultiMedia and Information Technology, 310-313.
125. WU, J.H., and Wang, S.C. 2005. What drives mobile commerce?: An empirical evaluation of the revised technology acceptance model. Information & Management, 42 (5), 719-729.
126. YOON, C., and Kim, S. 2007. Convenience and TAM in a ubiquitous computing environment: The case of wireless LAN. Electronic Commerce Research and Applications, 6: 102-112.
127. YOON, C. 2009. The effects of national culture values on consumer acceptance of e-commerce: Online shoppers in China. Information & Management, 46, 294-301.
128. YOON, C. 2010. Antecedents of customer satisfaction with online banking in China: The effects of experience. Computers in Human Behaviour, 26, 1296-1304.
129. YOUSAFAZAI, S.Y., Foxall, G., and Pallister, J.G. 2010. Explaining Internet Banking Behaviour: Theory of Reasoned Action, Theory of Planned Behaviour, or Technology Acceptance Model? Journal of Applied Social Psychology, 40 (5), 1172-1202.
130. YOUSAFAZAI, S., and Yani-de-Soriano M. 2012. Understanding customer-specific factors underpinning internet banking adoption. International Journal of Bank Marketing, 30 (1), 60-81.
131. ZAK, P.J., and Knack, S. 2011. Trust and growth. Economic Journal, 111, 295-321.