Table 2 Variables and theoretical background
From: Examining user behavior with machine learning for effective mobile peer-to-peer payment adoption
Variable | Definition | Source |
|---|---|---|
Ease of use | Individuals' perception that the use of a given system is effortless and/or uncomplicated | Davis (1989) |
Perceived risk | A combination of uncertainty plus seriousness of outcome involved | Â |
Perceived Trust | Psychological state reflecting favourable expectations about the intentions and behaviour of others | Singh and Sirdeshmukh (2000) |
Personal Innovation | Willingness to try out new information technologies | Agarwal and Prasad (1998a) |
Subjective norms | Expectation that the social environment influences the decisions of potential users | Fishbein and Ajzen (1975) |
Perceived enjoyment | Pleasure derived from the use of a particular information technology | Kalinic et al. (2019) |
Loyalty to the bank brand | Reinforcement of users' intentions based on the previous experience of each user | Lewis and Soureli (2006) |
Perceived quality | Users' subjective comparison between the quality of service desired and the quality of service actually received | Gefen et al. (2003) |