Technology acceptance among micro-entrepreneurs in marginalized social strata: The case of social innovation in Bangladesh

Technological Forecasting and Social Change

Volumn 118, Issue , 2017, Pages 236-245

  Rahman, Syed Abidur ^a   Taghizadeh, Seyedeh Khadijeh ^b   Ramayah, T ^c   Alam, Mirza Mohammad Didarul ^d  

^a OTHMAN YEOP ABDULLAH GRADUATE SCHOOL OF BUSINESS   (Malaysia)

^b DEPARTMENT OF CHEMICAL ENGINEERING   (Malaysia)

^c SCHOOL OF PHYSICS   (Malaysia)

^d UNITED INTERNATIONAL UNIVERSITY   (Bangladesh)

Author keywords

Bangladesh; Micro entrepreneurs; Mobile money services; Technology acceptance; Technology readiness; Well being

Indexed keywords

BEHAVIORAL RESEARCH; DIGITAL STORAGE;

BANGLADESH; MICRO-ENTREPRENEURS; MONEY SERVICES; TECHNOLOGY ACCEPTANCE; TECHNOLOGY READINESS; WELL BEING;

ACCEPTANCE TESTS;

ENTREPRENEUR; INNOVATION; MARGINALIZATION; MOBILE PHONE; TECHNOLOGICAL DEVELOPMENT; TECHNOLOGY ADOPTION;

BANGLADESH;

EID: 85013862823     PISSN: 00401625     EISSN: None     Source Type: Journal    
DOI: 10.1016/j.techfore.2017.01.027     Document Type: Article

References (72)

1. Agarwal, R., Karahanna, E., Time flies when you're having fun: Cognitive absorption and beliefs about information technology usage. MIS Q. 24:4 (2000), 665–694.
2. Agarwal, R., Prasad, J., A conceptual and operational definition of personal innovativeness in the domain of information technology. Inf. Syst. Res. 9:2 (1998), 204–215.
3. Allred, S.B., Ross-Davis, A., The Drop-off and Pick-up Method: An Approach to Reduce Nonresponse Bias in Natural Resource Surveys. Small-Scale For. 10:3 (2011), 305–318.
4. Amin, A., The Cost of bKash. 2014 (Retrieved from www.sites.tuffs.edu/inclusivecommerceblog/catagory/mobile-money-2/).
5. Ashraf, M., Malik, B.T., Gonokendra model: a response to “information poverty” in rural areas of Bangladesh. Inf. Technol. Dev. 17:2 (2011), 153–161.
6. Bangladesh Bank, Policy Paper on Mobile Financial Services in Bangladesh: An Overview of Market Development. 2012 (Retrieved from Dhaka).
7. Baruch, Y., Response rate in academic studies-A comparative analysis. Hum. Relat. 52:4 (1999), 421–438.
8. Bock, B.B., Rural marginalisation and the role of social innovation; a turn towards nexogenous development and rural reconnection. 2015, Sociologia Ruralis.
9. Cecchini, S., Scott, C., Can information and communications technology applications contribute to poverty reduction? Lessons from rural India. Inf. Technol. Dev. 10:2 (2003), 73–84.
10. Chan, M., Mobile phones and the good life: Examining the relationships among mobile use, social capital and subjective well-being. New Media Soc., 2013 (1461444813516836).
11. Chen, J.L., The effects of education compatibility and technological expectancy on e-learning acceptance. Comput. Educ. 57:2 (2011), 1501–1511.
12. Chen, S.C., Li, S.H., Consumer adoption of e-service: integrating technology readiness with the theory of planned behavior. African J. Bus. Manag., 4(16), 2010, 3556.
13. Chen, S.-C., Jong, D., Lai, M.-T., Assessing the relationship between technology readiness and continuance intention in an E-appointment system: relationship quality as a mediator. J. Med. Syst. 38:9 (2014), 1–12.
14. Chen, G., Rasmussen, S., bKash Bangldesh: A Fast Start for Mobile Financial Services. Retrieved from www.cgap.org, 2014.
15. Cohen, J., Statistical power analysis for the behavioral sciencies. 1988, Erlbaum.: Routledge, Hillsdale, NJ.
16. Crisp, R., Well being. Zalta, E.N., (eds.) The Stanford Encyclopedia of Philosophy, Winter ed., 2008.
17. Davidson, A., Lesson from bKash: Bangladesh's Leader in P2P Mobile Money Transfer. Retrieved from www.mintel.com/blog/finance-market-news/lessons-from-bkash-bangladesh-leader-in-p2p-mobile-money-transfer, 2015.
18. Davis, F.D., Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Q. 13:3 (1989), 319–340.
19. Davis, F.D., Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Q., 1989, 319–340.
20. Davis, F.D., Bagozzi, R.P., Warshaw, P.R., User acceptance of computer technology: a comparison of two theoretical models. Manag. Sci. 35:8 (1989), 982–1003.
21. Diener, E., Subjective well-being: The science of happiness and a proposal for a national index. Am. Psychol. 55:1 (2000), 34–43.
22. Diener, E., Lucas, R.E., Oishi, S., Subjective well-being. Handbook of positive psychology, 2002, 63–73.
23. Diener, E., Wirtz, D., Tov, W., Kim-Prieto, C., Choi, D., Oishi, S., Biswas-Diener, R., New well-being measures: Short scales to assess flourishing and positive and negative feelings. Soc. Indic. Res. 97:2 (2010), 143–156.
24. Dunn, L., What Leads to a Mobile Banking Program's Success? A Comparison of M-Pesa and Eko India Financial Services. J. Public Int. Aff.(1), 2015, 108–117.
25. Gold, A.H., Arvind Malhotra, A.H.S., Knowledge management: An organizational capabilities perspective. J. Manag. Inf. Syst. 18:1 (2001), 185–214.
26. Hair, Hult, Ringle, Sarstedt, A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM). 2013, Sage Publishers, UK.
27. Hair, J.F., Hult, G.T.M., Ringle, C.M., Sarstedt, M., A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM). 2014, Sage Publication, Los Angeles.
28. Henseler, J., Ringle, C.M., Sarstedt, M., A new criterion for assessing discriminant validity in variance-based structural equation modeling. J. Acad. Mark. Sci. 43:1 (2015), 115–135.
29. Hunt, S.D., Sparkman, R.D. Jr., Wilcox, J.B., The pretest in survey research: issues and preliminary findings. J. Mark. Res. 19:2 (1982), 269–273.
30. Islam, M.A., Tsuji, K., Bridging digital divide in Bangladesh: study on community information centers. Electron. Libr. 29:4 (2011), 506–522.
31. Jiao, H., Cui, Y., An empirical study of mechanisms to enhance entrepreneurs' capabilities through entrepreneurial learning in an emerging market. J. Chin. Entrep. 2:2 (2010), 196–217.
32. Kline, R.B., Principles and practice of structural equation modeling. 2015, Guilford Publications.
33. Kuo, K.-M., Liu, C.-F., Ma, C.-C., An investigation of the effect of nurses' technology readiness on the acceptance of mobile electronic medical record systems. BMC Med. Inform. Decis. Mak. 13:1 (2013), 88–102.
34. Lee, H., Harindranath, G., Oh, S., Kim, D.-J., Provision of mobile banking services from an actor–network perspective: Implications for convergence and standardization. Technol. Forecast. Soc. Chang. 90 (2015), 551–561.
35. Lee, Y., Kozar, K.A., Larsen, K.R., The technology acceptance model: Past, present, and future. Commun. Assoc. Inf. Syst. 12:1 (2003), 752–780.
36. Lin, J.-S.C., Hsieh, P.-L., The role of technology readiness in customers' perception and adoption of self-service technologies. Int. J. Serv. Ind. Manag. 17:5 (2006), 497–517.
37. Lin, C.H., Shih, H.Y., Sher, P.J., Integrating technology readiness into technology acceptance: The TRAM model. Psychol. Mark. 24:7 (2007), 641–657.
38. Lohrke, F.T., Franklin, G.M., Kothari, V.B., Top Management Team Heterogeneity and SME Export Performance: Investigating the Role of Environmental Uncertainty. J. Small Bus. Strategy 14:1 (2015), 86–102.
39. Lu, H.-P., Hsu, C.-L., Hsu, H.-Y., An empirical study of the effect of perceived risk upon intention to use online applications. Inform. Manag. Comput. Secur. 13:2 (2005), 106–120.
40. Martilla, J.A., James, J.C., Importance-performance analysis. J. Mark., 1977, 77–79.
41. Mas, I., Morawczynski, O., Designing mobile money services lessons from M-PESA. Innovations 4:2 (2009), 77–91.
42. Matzler, K., Bailom, F., Hinterhuber, H.H., Renzl, B., Pichler, J., The asymmetric relationship between attribute-level performance and overall customer satisfaction: a reconsideration of the importance–performance analysis. Ind. Mark. Manag. 33:4 (2004), 271–277.
43. Meng Leong, S., Tiong Tan, C., Assessing national competitive superiority: An importance-performance matrix approach. Asia Pac. Int. J. Mark. 3:2 (1991), 26–37.
44. Mulgan, G., The process of social innovation. Innovations 1:2 (2006), 145–162.
45. Mwachofi, M.M., Technology Adoption and the Banking Agency in Rural Kenya. J. Sociol. Res., 4(1), 2013, 249.
46. Nussbaum, M.C., Sen, A., Sugden, R., The quality of life. 1993, Clarendon Press Oxford, Oxford.
47. Oosterlaken, I., Design for Development: A Capability Approach. Des. Issues 25:4 (2009), 91–102.
48. Pai, F.-Y., Huang, K.-I., Applying the technology acceptance model to the introduction of healthcare information systems. Technol. Forecast. Soc. Chang. 78:4 (2011), 650–660.
49. Parasuraman, A., Technology Readiness Index (TRI) a multiple-item scale to measure readiness to embrace new technologies. J. Serv. Res. 2:4 (2000), 307–320.
50. Parasuraman, A., Colby, C.L., An updated and streamlined technology readiness index TRI 2.0. J. Serv. Res. 18:1 (2015), 59–74.
51. Parasuraman, S., Simmers, C.A., Type of employment, work–family conflict and well-being: a comparative study. J. Organ. Behav. 22:5 (2001), 551–568.
52. Phillips, W., Lee, H., Ghobadian, A., O'Regan, N., James, P., Social Innovation and Social Entrepreneurship A Systematic Review. Group Organ. Manag. 40:3 (2015), 428–461.
53. Phills, J.A., Deiglmeier, K., Miller, D.T., Rediscovering social innovation. Stanf. Soc. Innov. Rev. 6:4 (2008), 34–43.
54. Podsakoff, P.M., MacKenzie, S.B., Lee, J.-Y., Podsakoff, N.P., Common method biases in behavioral research: a critical review of the literature and recommended remedies. J. Appl. Psychol., 88(5), 2003, 879.
55. Podsakoff, P.M., Organ, D.W., Self-reports in organizational research: Problems and prospects. J. Manag. 12:4 (1986), 531–544.
56. Raz, J., The role of well-being. Philos. Perspect. 18:1 (2004), 269–294.
57. Realini, C., Mehta, K., Financial Inclusion at the Bottom of the Pyramid. 2015, Friesen Press, Victoria, Canada.
58. Ringle, C.M., Wende, S., Becker, J.-M., SmartPLS 3. Retrieved from www.smartpls.com, 2015.
59. Ryan, R.M., Deci, E.L., On happiness and human potentials: A review of research on hedonic and eudaimonic well-being. Annu. Rev. Psychol. 52:1 (2001), 141–166.
60. Sarma, M., Pais, J., Financial inclusion and development. J. Int. Dev. 23:5 (2011), 613–628.
61. Schwittay, A.F., The financial inclusion assemblage: subjects, technics, rationalities. Crit. Anthropol. 31:4 (2011), 381–401.
62. Steele, J., Bourke, L., Luloff, A., Liao, P.-S., Theodori, G.L., Krannich, R.S., The drop-off/pick-up method for household survey research. Commun. Dev. 32:2 (2001), 238–250.
63. Thatchenkery, T., Kash, D., Stough, R., Information technology services and economic development: The Indian experience. Technol. Forecast. Soc. Chang. 71:8 (2004), 771–776.
64. Tsikriktsis, N., A technology readiness-based taxonomy of customers a replication and extension. J. Serv. Res. 7:1 (2004), 42–52.
65. Venkatesh, V., Determinants of perceived ease of use: Integrating control, intrinsic motivation, and emotion into the technology acceptance model. Inf. Syst. Res. 11:4 (2000), 342–365.
66. Venkatesh, V., Bala, H., Technology acceptance model 3 and a research agenda on interventions. Decis. Sci. 39:2 (2008), 273–315.
67. Venkatesh, V., Davis, F.D., A theoretical extension of the technology acceptance model: Four longitudinal field studies. Manag. Sci. 46:2 (2000), 186–204.
68. Venkatesh, V., Morris, M.G., Davis, G.B., Davis, F.D., User acceptance of information technology: Toward a unified view. MIS Q. 27:3 (2003), 425–478.
69. Walczuch, R., Lemmink, J., Streukens, S., The effect of service employees' technology readiness on technology acceptance. Inf. Manag. 44:2 (2007), 206–215.
70. Wong, K.Y., Aspinwall, E., An empirical study of the important factors for knowledge-management adoption in the SME sector. J. Knowl. Manag. 9:3 (2005), 64–82.
71. World Economic Forum, The Global Information Technology Report 2015. Retrieved from Geneva http://www3.weforum.org/docs/WEF_Global_IT_Report_2015.pdf, 2015.
72. Yunus, M., Alleviating Poverty Through Technology. Science 282:5388 (1998), 409–410.