Understanding the adoption intention of financial data retrieval services: An empirical analysis of my data
This study empirically analyzed the variables affecting the adoption intention of a financial data retrieval service (i.e. My Data) through the convergence of the stimulus-organism-response (S-O-R) model, the value-based adoption model (VAM), and the unified theory of acceptance and use of technolog...
Saved in:
| Main Authors: | , |
|---|---|
| Format: | Article |
| Language: | English |
| Published: |
Elsevier
2025-01-01
|
| Series: | Heliyon |
| Subjects: | |
| Online Access: | http://www.sciencedirect.com/science/article/pii/S2405844024173653 |
| Tags: |
Add Tag
No Tags, Be the first to tag this record!
|
| _version_ | 1841526176376422400 |
|---|---|
| author | Eunchan Kim Yeunwoong Kyung |
| author_facet | Eunchan Kim Yeunwoong Kyung |
| author_sort | Eunchan Kim |
| collection | DOAJ |
| description | This study empirically analyzed the variables affecting the adoption intention of a financial data retrieval service (i.e. My Data) through the convergence of the stimulus-organism-response (S-O-R) model, the value-based adoption model (VAM), and the unified theory of acceptance and use of technology (UTAUT1). This approach examined the causal relationships where the characteristics of My Data services (stimulus) influence users' perceived benefit and sacrifice (proposed by VAM), as well as performance expectancy, effort expectancy, social influence, and facilitating conditions (proposed by UTAUT1) (organism), which in turn impact adoption intention (response). The results indicate that the three sub-factors of My Data service characteristics—system quality, information quality, and service quality have significant effects on perceived benefit, perceived sacrifice, performance expectancy, effort expectancy, social influence, facilitating conditions, and adoption intention. These findings provide both theoretical and practical insights for the development, diffusion, and activation strategies of My Data, while simultaneously validating the convergence model's effectiveness. |
| format | Article |
| id | doaj-art-1a4364703cb84f5f8ffe1d8001aa3719 |
| institution | Kabale University |
| issn | 2405-8440 |
| language | English |
| publishDate | 2025-01-01 |
| publisher | Elsevier |
| record_format | Article |
| series | Heliyon |
| spelling | doaj-art-1a4364703cb84f5f8ffe1d8001aa37192025-01-17T04:50:57ZengElsevierHeliyon2405-84402025-01-01111e41334Understanding the adoption intention of financial data retrieval services: An empirical analysis of my dataEunchan Kim0Yeunwoong Kyung1Department of Information Systems, Hanyang University, Seoul, 04763, Republic of KoreaDivision of Information & Communication Engineering, Kongju National University, Cheonan-daero, Cheonan, 31080, Republic of Korea; Corresponding author.This study empirically analyzed the variables affecting the adoption intention of a financial data retrieval service (i.e. My Data) through the convergence of the stimulus-organism-response (S-O-R) model, the value-based adoption model (VAM), and the unified theory of acceptance and use of technology (UTAUT1). This approach examined the causal relationships where the characteristics of My Data services (stimulus) influence users' perceived benefit and sacrifice (proposed by VAM), as well as performance expectancy, effort expectancy, social influence, and facilitating conditions (proposed by UTAUT1) (organism), which in turn impact adoption intention (response). The results indicate that the three sub-factors of My Data service characteristics—system quality, information quality, and service quality have significant effects on perceived benefit, perceived sacrifice, performance expectancy, effort expectancy, social influence, facilitating conditions, and adoption intention. These findings provide both theoretical and practical insights for the development, diffusion, and activation strategies of My Data, while simultaneously validating the convergence model's effectiveness.http://www.sciencedirect.com/science/article/pii/S2405844024173653My data serviceStimulus-organism-response (S-O-R) modelValue-based adoption model (VAM)Unified theory of acceptance and use of technology (UTAUT1)Adoption intentionFinancial consumer |
| spellingShingle | Eunchan Kim Yeunwoong Kyung Understanding the adoption intention of financial data retrieval services: An empirical analysis of my data Heliyon My data service Stimulus-organism-response (S-O-R) model Value-based adoption model (VAM) Unified theory of acceptance and use of technology (UTAUT1) Adoption intention Financial consumer |
| title | Understanding the adoption intention of financial data retrieval services: An empirical analysis of my data |
| title_full | Understanding the adoption intention of financial data retrieval services: An empirical analysis of my data |
| title_fullStr | Understanding the adoption intention of financial data retrieval services: An empirical analysis of my data |
| title_full_unstemmed | Understanding the adoption intention of financial data retrieval services: An empirical analysis of my data |
| title_short | Understanding the adoption intention of financial data retrieval services: An empirical analysis of my data |
| title_sort | understanding the adoption intention of financial data retrieval services an empirical analysis of my data |
| topic | My data service Stimulus-organism-response (S-O-R) model Value-based adoption model (VAM) Unified theory of acceptance and use of technology (UTAUT1) Adoption intention Financial consumer |
| url | http://www.sciencedirect.com/science/article/pii/S2405844024173653 |
| work_keys_str_mv | AT eunchankim understandingtheadoptionintentionoffinancialdataretrievalservicesanempiricalanalysisofmydata AT yeunwoongkyung understandingtheadoptionintentionoffinancialdataretrievalservicesanempiricalanalysisofmydata |