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Information communication technology acceptance and usage in the microfinance sector: The perspective of least developed countries
Information Development ( IF 2.079 ) Pub Date : 2021-04-26 , DOI: 10.1177/02666669211009932
Abdo Ali Homaid 1
Affiliation  

This study aims to identify the determinants that influence the acceptance and usage of ICT among microfinance employees in the least-developed countries. It extended the Unified Theory of Acceptance and Use of Technology (UTAUT) model with the inclusion of Innovativeness (IN) from the Diffusion of Innovation (DOI) theory. The quantitative approach was adopted, with a survey questionnaire distributed online to microfinance employees in Yemen, completed by 195 respondents. Both measurement and structural data analyses were employed through Partial Least Square Structural Equation Modelling (PLS-SEM), using Smart PLS software. The results show that the UTAUT variables Performance Expectancy (PE), Effort Expectancy (EE), Facilitating Conditions (FC) and IN were significant predictors of Behavioural Intention (BI) to accept and use ICT by microfinance employees, but not Social Influence (SI). The results also reveal that the most significant factors affecting BI were EE followed by PE, IN and FC respectively; BI was the most significant factor affecting Use Behaviour (UB) of ICT among the tested relationships in the study model. Significantly, the results show that IN was a crucial factor as it significantly affected PE, EE and BI to use ICT. The outcomes of the study will assist decision makers to make appropriate interventions for the effective use of ICT by employees in a flourishing and infant industry like microfinance. Consequently, it will help in eradicating and eliminating poverty, a global issue.



中文翻译:

小额信贷领域信息通信技术的接受和使用:最不发达国家的观点

这项研究旨在确定影响最不发达国家小额信贷雇员对ICT的接受和使用的决定因素。它通过创新扩散(DOI)理论扩展了创新性(IN),从而扩展了技术接受和使用统一理论(UTAUT)模型。采用了定量方法,并在线向也门的小额信贷雇员分发了调查问卷,调查问卷由195名受访者填写。使用Smart PLS软件通过偏最小二乘结构方程模型(PLS-SEM)进行了测量和结构数据分析。结果表明,UTAUT变量的绩效期望值(PE),工作量期望值(EE),促进条件(FC)和IN是小额信贷雇员接受和使用ICT的行为意图(BI)的重要预测指标,而不是社会影响力(SI)的接受程度。结果还表明,影响BI的最重要因素是EE,其次是PE,IN和FC。在研究模型中,BI是影响ICT使用行为(UB)的最重要因素。重要的是,结果表明,IN是至关重要的因素,因为它显着影响了使用ICT的PE,EE和BI。该研究的结果将帮助决策者做出适当的干预措施,以促进蓬勃发展的婴儿产业(如小额信贷)中的员工有效利用ICT。因此,它将有助于消除和消除贫穷这一全球性问题。结果还表明,影响BI的最重要因素是EE,其次是PE,IN和FC。在研究模型中,BI是影响ICT使用行为(UB)的最重要因素。重要的是,结果表明,IN是至关重要的因素,因为它显着影响了使用ICT的PE,EE和BI。该研究的结果将帮助决策者做出适当的干预措施,以促进蓬勃发展的婴儿产业(如小额信贷)中的员工有效利用ICT。因此,它将有助于消除和消除贫穷这一全球性问题。结果还表明,影响BI的最重要因素是EE,其次是PE,IN和FC。在研究模型中,BI是影响ICT使用行为(UB)的最重要因素。重要的是,结果表明,IN是至关重要的因素,因为它显着影响了使用ICT的PE,EE和BI。该研究的结果将帮助决策者做出适当的干预措施,以促进蓬勃发展的婴儿产业(如小额信贷)中的员工有效利用ICT。因此,它将有助于消除和消除贫穷这一全球性问题。重要的是,结果表明,IN是至关重要的因素,因为它显着影响了使用ICT的PE,EE和BI。该研究的结果将帮助决策者做出适当的干预措施,以促进蓬勃发展的婴儿产业(如小额信贷)中的员工有效利用ICT。因此,它将有助于消除和消除贫穷这一全球性问题。重要的是,结果表明,IN是至关重要的因素,因为它显着影响了使用ICT的PE,EE和BI。该研究的结果将帮助决策者做出适当的干预措施,以促进蓬勃发展的婴儿产业(如小额信贷)中的员工有效利用ICT。因此,它将有助于消除和消除贫穷这一全球性问题。

更新日期:2021-04-26
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