technology adoption

Mobile Banking has always been the focus of the banks to provide an alternative banking channel for the bank customers. However, the adoption rate was still relatively low and increased gradually over the decade. Thus, it is important to examine the factors affecting Mobile Banking Adoption to provide better insights to improve the situation for the bank customers to adopt it for banking purpose. In this conceptual article, the past literature related to the investigation of Technology Adoption was reviewed. Based on the review and also the understanding of the theory, this article further explores on the interactions of the constructs from Technology Acceptance Model (TAM) & Unified Theory of Acceptance and Use of Technology (UTAUT), Perceived Trust, Technology Awareness and Mobile Banking Adoption. With the study of these interactions, it is very likely to create new avenues for future research.

While travelers' desire to visit the world's most remote places has grown, the inefficiency of global payments indicates a significant barrier to tourism growth. As an emerging, decentralized, and borderless digital innovation, Bitcoin technology seems to have the ability to serve as a payment alternative and address such fundamental inefficiencies. On the other hand, bitcoin adoption can only happen when tourists and business owners choose to operate bitcoin simultaneously. The study has developed a novel Bitcoin Collaborative Network and Tourism Collaborative Network model to examine Bitcoin adoption factors. Then a fuzzy DEMATEL method was applied to the factors influencing the adoption domain, as identified based on an extensive literature review, in-depth interviews, and an international Delphi process. The study offered a model for the heterogeneous collaborative network of Bitcoin and Tourism (BCN and TCN), revealing that Perceived Usefulness is the most influencing criterion and the most prominent variable in Bitcoin Adoption. Bitcoin Technological Complexity, Government Regulatory, and Bitcoin Awareness are the factors that give the highest impacts. Also, Bitcoin's Technological Complexity is the most significant factor in bitcoin adoption. The findings might assist businesses in adopting a new market expansion strategy and benefiting from technological spillover, while government officials can explore new supporting legislation.

The objective of this study is to understand the customer journey in technology product adoption by exploring the experiences and perspectives of individuals who have recently adopted new technology products. This research aims to identify key themes and factors influencing the customer journey from initial awareness to ongoing engagement and retention, providing insights to enhance customer experiences and inform marketing strategies. This qualitative study employed semi-structured interviews with 20 participants selected through purposive sampling to ensure diverse representation. Participants included individuals who had recently adopted technology products within the past six months. Data collection continued until theoretical saturation was reached. The interview transcripts were analyzed using NVivo software, following an inductive approach to identify patterns and themes. The analysis revealed three main themes: Awareness and Decision-Making, First-Time Use and Learning, and Ongoing Engagement and Retention. Initial awareness was driven by advertising, social media, and word-of-mouth, while decision-making was influenced by peer recommendations, brand reputation, and price sensitivity. The first-time use phase highlighted the importance of intuitive design and support resources. Regular updates, community engagement, and product reliability emerged as critical factors in ongoing engagement and retention. Participants valued seamless omnichannel experiences, personalized marketing efforts, and robust support systems. The study underscores the significance of personalized, seamless customer journeys in technology product adoption. Businesses should focus on integrating physical and digital touchpoints, leveraging AI for personalized experiences, and maintaining active user communities to enhance customer satisfaction and loyalty. Addressing cultural nuances in global markets and managing digital signals effectively can further optimize the customer journey. These insights provide valuable guidance for businesses aiming to improve customer experiences and foster long-term engagement in the competitive technology market.

This study aims to explore the adoption and implementation of emerging technologies in Small and Medium-sized Enterprises (SMEs). By understanding the motivations, challenges, benefits, and future plans of SME founders, this research provides insights into how these businesses leverage technology to enhance their competitiveness and operational efficiency. The study employed a qualitative research design, utilizing semi-structured interviews with 25 founders of SMEs across various industries. Participants were selected using purposive sampling to ensure diverse representation. Data collection continued until theoretical saturation was achieved. The interview data were transcribed and analyzed using NVivo software, following a thematic approach to identify key themes and insights related to technology adoption and implementation in SMEs. The study identified several motivations for technology adoption, including competitive advantage, cost efficiency, customer demand, innovation drive, and growth opportunities. Key challenges faced by SMEs included financial constraints, technical difficulties, resistance to change, regulatory and compliance issues, knowledge gaps, vendor dependence, and time constraints. The benefits realized from technology adoption encompassed improved operational efficiency, enhanced customer satisfaction, revenue growth, better data analytics, increased employee productivity, and greater market adaptability. Future plans of SMEs included continued investment in technology, scaling up implementation, focusing on employee training and development, forming strategic partnerships, enhancing cybersecurity measures, and improving customer engagement. The adoption and implementation of emerging technologies present significant opportunities for SMEs to enhance their competitiveness and operational efficiency. However, SMEs must navigate various challenges to realize these benefits. By adopting a strategic approach and leveraging external partnerships, SMEs can successfully implement new technologies and drive sustainable growth. This study provides valuable insights into the experiences of SME founders, informing both practice and policy in the context of technological advancement in small and medium-sized enterprises.