The aim of this research is to investigate the repurchase intention of online customers at e-commerce merchants. The study investigates three factors; perceived risk, perceived usefulness, and online trust through collecting samples from 128 college students in the Online Learning program in Jakarta. The analysis technique used is SEM-PLS, with the guidance of the SmartPLS 3.0 program. The results of the study confirm that perceived risk had a negative effect on online trust and repurchase intention. Perceived usefulness has a positive impact on online trust and repurchase intention. Lastly, online trust influences repurchase intention in e-commerce merchants.

Along with the rapid development of information technology, cloud computing has brought many benefits to users in handling work via the internet, especially in the field of accounting. However, Vietnamese enterprises are still at early stage of cloud computing accounting implementation. The purpose of this study was to apply the Technology Acceptance Model (TAM) in the applications of cloud computing technology in accounting in Vietnamese enterprises. Data was collected through a Structured questionnaire from 112 accountants and managers in Vietnamese enterprises through purposive method. After collecting, the data is synthesized by excel file, processed by SPSS 20 software with descriptive statistics and multiple regression analysis. The research model was established with 4 factors effecting the intention to use cloud-based accounting software: (1) Perceived usefulness, (2) Perceived ease of use, (3) Perceived convenience, (4) Perceived safety and privacy. The result indicates that perceived usefulness and perceived ease of use had positive impacts on the enterprises’ intentions to use cloud-based accounting software. Additionally, the study found a positive relationship between perceived convenience and perceived ease of use on perceived usefulness; perceived convenience also had a positive impact on perceived ease of use. However, perceived safety and privacy did not significantly affect the intention of cloud-based accounting software use.

This study investigates the aspects of e-payment security concerning e-commerce consumers’ purchase intentions. This study further involves college students in Semarang – Indonesia as representatives of the millennial generation. Structural equation modeling (SEM) using Wrap-PLS is employed to analyze the data. The findings show a fit model to explain e-commerce customers’ purchase intentions. The results of this study reveal a better mediating effect of perceived usefulness on e-payment security and customers’ purchase intentions. Perceived ease of use also has a significant indirect effect, through e-payment security, on e-commerce customers’ purchase intentions. In addition, understanding the ease and usability of the security aspects of the payment affects e-commerce consumers' purchase intentions. The results also give a heightened awareness of security in electronic transactions.

Technology and innovativeness have played an important role in service industries because of the competitive state, especially in developing countries. While using innovative technologies such as self-checkouts in stores is seen as advantageous in many aspects for retailers, if customers cannot adopt it, the usage of in stores becomes disadvantageous. However, the literature offers limited knowledge about the customers' adoption of self-checkouts in spite of its value for the survival of firms. Therefore, understanding what factors affect individuals' intention to use self-checkout systems has been a need for both practitioners and researchers. This study aims to spot out the determinants of intention to use self-checkout systems in a supermarket chain. In this regard, this study employs the technology acceptance model (TAM) to which the constructs technology anxiety, technology self-efficacy, compatibility, and knowledge are incorporated into the original model. The results of the analysis of the data (N=281) reveals that: (i) technology self-efficacy and knowledge are positively related to two beliefs, perceived ease of use and perceived usefulness, (ii) compatibility is positively associated with perceived usefulness, (iii) perceived usefulness is positively related to attitude, and (iv) attitude is positively associated with intention to use.

This study aimed to measure the impact of attitude, social influence, and perceived usefulness on e-money adoption intention. Data were collected using an online instrument involving 264 participants in Indonesia, and 287 participants in Turkey. Data were analyzed using exploratory and confirmatory factor analysis, and structural equation modeling and there were five hypotheses to be tested. The results of the study indicated a significant impact of attitude on adoption indention. Also, a significant influence of perceived usefulness on attitude and adoption intention was also detected. Moreover, a significant effect of social influence on perceived usefulness and adoption intention was observed. However, there were different results when the calculation focused on participants in each country. This study discussed recommendations for practitioners and future studies.

By integrating the technology acceptance model, the theory of planned behavior, and regulatory focus theory, this study assesses the mediating role of technology perception attributes (i.e., perceived ease of use and perceived usefulness) in the relationship between customer experience and the adoption of e-payment cards during the COVID-19 pandemic in Sudan. A questionnaire survey was conducted with 368 e-payment users in Khartoum and Southern Darfur, the two most highly populated states in Sudan. This study employed convenience sampling and quantitative methodology to clarify the relationship based on structural equation modeling. The empirical findings showed that the customer experience dimensions of cognition and emotion had a significant influence in e-payment adoption and technology perception. Further, they indicated that technology perception had a significant mediating role in the relationship between customer experience and e-payment adoption.

The aim of this paper is to examine one of the most crucial factors in the “Technology Acceptance Model” proposed by Davis (perceived usefulness) in moderating the “DeLone and McLean” success model in the context of educational portal in Higher Education. Questionnaires were distributed online to 200 respondents and deserved to be analyzed. The respondents were regular students at the University of Bengkulu. Data analysis used Smart-PLS version 3.2.9. The research findings indicated an influence of “system quality, information quality, and service quality partially on user satisfaction” of the educational portal information systems. The result shows that perceived usefulness can strengthen the relationship between system quality, information quality, and service quality to the satisfaction of customer. This research contributes to the development of perceived usefulness variable as a moderating variable affecting the quality of a system, quality of information, and quality of service partially on user satisfaction and finding strategies needed by the University of Bengkulu effective and efficient information system.

The growth in Information and Communication Technology has brought dynamic changes to financial payment systems through smart devices, and mobile payment systems are significant among different smart payment systems. Further, the Technology Acceptance Model's components affect the smart payment user's behavior. Moreover, students are a substantial part of society and are more inclined to use mobile payments. Therefore, the present research examines the influence of technology adoption factors on the perception of students using mobile payments. The study adopted TAM components as influencing factors, such as Perceived usefulness, perceived ease of use, Perceived cost, and Perceived trust. The data was collected from 100 respondents consisting of male and female students. The study employed simple regression analysis to report the results. The results show that the perception of students towards the use of m-payment is strong, with a mean of 1.52. The result is similar to the explanatory variables, ranging from 1.77 to 1.97. The study found that the technology adoption factors, such as Perceived usefulness, perceived ease of use, and Perceived cost, positively influenced the students' perception of using mobile payments with p-values ranging from 0.001 to 0.049. The results of Perceived trust were positive but insignificant. Therefore, the present research observed a significant influence of technology adoption factors on the perception of students using mobile payment.

Recently, due to the tremendous development in information and communication technology, the world is moving rapidly towards digitization in all areas of life. In the financial context, Financial Technology (Fintech) has the potential to transform the financial sector by offering innovative digital solutions, but its adoption depends on various individual, organizational, and environmental factors. This research paper aims to identify and analyze the determinants that influence the intention to adopt fintech. A self-administered survey was utilized to collect the necessary data. Data were analyzed using SPSS version 26 for descriptive analysis as well as SmartPLS version 3.0 by implementing the PLS algorithm and Bootstrapping techniques. This study finds that intention to adopt Fintech is affected by perceived usefulness, perceived ease of use, trust, social influence, and facilitating conditions. This study also examined the relationships between these variables. The findings will provide insights for fintech stakeholders, policymakers, and researchers to foster a conducive environment for Fintech adoption and usage.

The concept of the “Metaverse” is a three-dimensional virtual world that relies on simulations of reality to represent real-life experiences, and it can be classified as the next generation in using the Internet. In this research, we will examine the factors that may influence user acceptance of metaverse and the relationships between these variables highlight how different factors can be examined. The goal of understanding these factors is to determine how Metaverse developers can improve this technology to meet user expectations and enable users to better interact with this technology. To achieve this goal, a sample of 312 students’ participants from different age groups was selected to respond to an online Likert scale questionnaire ranging from) strongly disagree equal) to (strongly agree equal 5). The study found that perceived enjoyment significantly positively influences technology metaverse application. Moreover, perceived curiosity and perceived self-efficacy positively influence technology application metaverse transitions. In addition, perceived ease of use (PEOU) and perceived usefulness (PU) positively influence the attitude toward using the Metaverse technology/application, which means that all the previous factors have an overall positive effect on the attitude toward using the Metaverse technology application.
The concept of the “Metaverse” is a three-dimensional virtual world that relies on simulations of reality to represent real-life experiences, and it can be classified as the next generation in using the Internet. In this research, we will examine the factors that may influence user acceptance of metaverse and the relationships between these variables highlight how different factors can be examined. The goal of understanding these factors is to determine how Metaverse developers can improve this technology to meet user expectations and enable users to better interact with this technology. To achieve this goal, a sample of 312 students’ participants from different age groups was selected to respond to an online Likert scale questionnaire ranging from) strongly disagree equal) to (strongly agree equal 5). The study found that perceived enjoyment significantly positively influences technology metaverse application. Moreover, perceived curiosity and perceived self-efficacy positively influence technology application metaverse transitions. In addition, perceived ease of use (PEOU) and perceived usefulness (PU) positively influence the attitude toward using the Metaverse technology/application, which means that all the previous factors have an overall positive effect on the attitude toward using the Metaverse technology application.