Bank tries to provide ease of service by utilizing information technology for safe and appropriate services in the transaction. The Bank also provides ease of service in the aspect of flexibility, efficiency, and simplicity. Customers do not need to come to the bank and wait for the long queue with e-banking. E-banking products have a wide range of derivative products, including one of the latest products in the form of mobile banking that is known as M-banking. Mobile banking is one part of the e-banking which is a banking information service via the new wireless offered by the bank using mobile technology to support smooth and ease of banking activities. Based on the above presentation, researchers are interested in researching the measurement of technology of e-banking by customer at State Bank using UTAUT to achieve competitive advantage. Respondents in this research were 834 and data analysis techniques were performed using SEM-PLS. The results show that expectancy performance enhancement, Effort Expectancy, Social Influence, Condition and Security Facilitating will cause Enhancement Behavior Intention Behavior Use directly and indirectly, which means that if we want to upgrade Behavior Intention and Use Behavior, we need to increase this variable. This study gives important implications for the promotion of Use Behavior Intention Behavior through the acceptance of the technology of e-banking customers of the governmental banks in Jakarta.

Broadening the approval and usage of technology to study online education is not a novel study subject, and several researchers have addressed it. However, the production of a systematic Technology acceptance model capable of examining online education adoption in the current Covid-19 is seen as a vital research path. Literature research was conducted to evaluate the most used external influences of innovation adoption regarding online learning acceptance. The search revealed that computer self-efficacy, corona apprehension, perceived ease of use, and perceived usefulness are the external factors for technology acceptance. The purpose of this paper is to investigate the variables that online education programs' approval among students can influence. 185 students from Jordan's Al-Zaytoonah University and Applied Science Private University participated in the online research. The online questionnaire system in this report was analyzed using SmartPLS tools. According to the findings, perceived usefulness, behavioral intent of use, self-efficacy, and Corona fear all positively affect the adoption of online education programs. The findings of this study were used as a required input in the latest online education interactive analytical production that was used extensively during the pandemic.

Nowadays, transactions on e-commerce platforms (e-payment) utilizing a credit card are popular. Using credit cards for electronic purchases over the Internet is much different from offline purchases in traditional stores; only online transactions do not include either physical credit card or a signature. The e-payment has become a common mode of payment for online transactions made. It is an electronic billing system that gives clients the ability to make payments using the Internet. The objective of this paper was to analyze the associations among continuance intention e-payment, effort expectancy, facilitating conditions, performance expectancy, social influence, and actual usage of e-payment. The data was tested empirically on data collected from 667 Generation Z e-payment users in Malaysia. The results found that facilitating conditions, performance expectancy, and social influence impacted the actual usage of e-payment. Surprisingly, effort expectancy was not significantly associated with the actual e-payment usage. The findings of this study have several implications for managers and point the way towards future research. No prior empirical study has investigated the role of the Unified Theory of Acceptance and Use of Technology model on e-payment usage among Generation Z in Malaysia to the best of the authors’ knowledge. These results provide valuable contributions that can help decision-makers formulate or adjust their strategies associated with e-payments.

This study is meant to examine the relationships of several antecedents of actual purchase of herbal product in Malaysia. Actual purchase is considered to have a vital link to a business success. The study identified eight antecedents of consumer actual purchase such as intention, attitude, social influence, product safety and culture belief. A total of 473 respondents (about 82%) completed and returned the questionnaire. A seven point Likert scale was used to measure responses. The data were analyzed using Partial Least Squares (PLS) path modeling. The path coefficient results supported the direct influence of intention, attitude, social influence and product safety on actual buying. Moreover, the findings reveal that attitude, social influence, product safety, and culture belief also influenced buying intention.

Mass media is a crucial advertising platform and serves as an awareness platform for herbal product businesses. The rising popularity of herbal product consumption is due to the changing of lifestyle and health problems. With the increasing demand for herbal products globally, studies related to the herbal products purchase behaviour are considered very limited. Hence, the current study is written to investigate the structural relationship of mass media on attitude, social influence, product safety and its impact on purchase behaviour of Herbal products in Malaysia. By applying the Attitude-Behaviour Context Theory, this study used several variables, namely mass media toward attitude, social influence, and product safety and purchasing behaviour of herbal products. This study was designed using a quantitative approach through a survey questionnaire. A total of 467 respondents from seven states in Peninsular Malaysia have participated in this study and collected using the intercept survey. The data were analysed using structural equation modelling with a partial least square approach (SEM-PLS) and assisting SmartPLS 3.3.3. The results showed that mass media has a significant positive effect on attitude, social influence and product safety. Also, attitude, social influence and product safety have a significant positive impact on the purchase behaviour of herbal products. In conclusion, this study identified that mass media influence on attitudes is the strongest predictor, followed by the effects of the mass media on social influence. These findings indicated that the mass media play an essential role in influencing attitude, social influence, and product safety. Followed by attitude, social influence, and product safety that significantly impact the purchase behaviour of herbal products. The finding of this study provides insightful information to the entrepreneurs regarding consumers purchase behaviour.

This research empirically explored the factors influencing the continuous use of mobile Apps in Jordan. The research utilized the Theory of Planned Behavior, the Diffusion of Innovation Theory and the Social Cognitive Theory to build the conceptual foundation of the research model. Using a quantitative approach, the study utilized a questionnaire with a set of well-validated items for the purpose of collecting data. The study collected 524 usable surveys, and analyzed the data using structural equation modeling technique (PLS-SEM). Results indicated that the three constructs relevant to this study (perceived risk, mobile self-efficacy, and social influence) were significant in predicting a users' awareness and the continuous use of mobile Apps. Customer focus moderated the relationship between awareness and continuous intention. In addition, the findings also confirm that users’ awareness mediated the relationship between the three independent variables and the continuous use. The Detailed findings of this research are discussed, with conclusions and future research reported at the end.

It is considered that determining the factors influencing the purchase intentions of customers in the field of social commerce by taking into account the cultural structures specific to each region can give highly valuable feedback to companies in the commercial field where competition has considerably increased. To this end, in the present study, it was aimed to propose and test out a structural model for the factors of social commerce constructs, social influence, habit and trust, which affect the purchase intentions of consumers. The study group of the research consisted of 447 Facebook users who live in North Cyprus. The scale form used as the data collection tool in the study consisted of 6 parts. In the first part of the scale, closed-ended questions were asked to determine the socio-demographic characteristics of the participants. The other parts of the scale consisted of 4 items about social commerce constructs, 4 items about habit, 3 items about social influence, 4 items about trust and 3 items about purchase intention. The reliability coefficients for the scales ranged between 0.79 and 0.92. These results indicated that the reliability coefficients were at the desired level. Socio-demographic variables were summarized using descriptive statistics, frequency and percentage distribution. First, normality test analyses were performed on the scales, and it was concluded that the data showed a normal distribution (kurtosis and skewness values varied between +2 / -2). Following the normality test, the measurement model was tested. Within the framework of a structural model proposed regarding the factors influencing the purchase intention of customers who shop through social commerce, it was concluded that habit, social influence and social commerce constructs had a significant effect on purchase intention. It was also concluded that habit and social commerce constructs significantly influenced purchase intention through trust.

Mobile payment is considered as a technology innovation which is being exploited and fur-ther expanded in both developed and developing or emerging countries. It is considered as an alternative method to cash payment method. This study is employed with the objective of exploring how Cambodian user behavior intention is affected by perceived transaction convenience, perceived transaction speed, social influences, and facilitating condition. Each fac-tor is measured by different items and there are 38 items developed in this study. The data is collected by distributing questionnaires to Cambodian users and 329 questionnaires are collected successfully.