| fullrecord |
[{"key": "dc.contributor.advisor", "value": "Frank, Lauri", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Juuj\u00e4rvi, Tanja", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2020-07-03T06:13:48Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2020-07-03T06:13:48Z", "language": null, "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2020", "language": "", "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/71036", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Mobiilimaksuj\u00e4rjestelm\u00e4t ovat saaneet Suomessa merkitt\u00e4v\u00e4n roolin perinteisten maksuj\u00e4rjestelmien rinnalle. Samalla asiakkaista on kuitenkin tullut yh\u00e4 vaativimpia ja palveluntarjoajien ja finanssilaitosten on jatkuvasti parannettava asiakaskokemustaan nopeasti kehittyv\u00e4ss\u00e4 mobiilimaksuymp\u00e4rist\u00f6ss\u00e4. Toimiakseen kilpailukykyisen\u00e4 nykyisess\u00e4 markkinakontekstissa, on t\u00e4rke\u00e4\u00e4 tunnistaa ne tekij\u00e4t, jotka vaikuttavat asiakkaiden mobiilimaksamisen k\u00e4ytt\u00f6\u00f6nottoon. T\u00e4m\u00e4n tutkimuksen tarkoituksena oli siten ymm\u00e4rt\u00e4\u00e4, mitk\u00e4 tekij\u00e4t vaikuttavat mobiilimaksuj\u00e4rjestelmien k\u00e4ytt\u00f6\u00f6nottoon Suomessa. Huolimatta mobiilimaksamisen hy\u00f6dyist\u00e4, ei-k\u00e4ytt\u00e4jien mobiilimaksamisen omaksuminen on vienyt kuitenkin aikaa. Siten t\u00e4m\u00e4n tutkimuksen tavoitteena oli my\u00f6s selvitt\u00e4\u00e4, mitk\u00e4 tekij\u00e4t vaikuttavat sek\u00e4 k\u00e4ytt\u00e4jien ett\u00e4 ei-k\u00e4ytt\u00e4jien mobiilimaksuj\u00e4rjestelm\u00e4n omaksumiseen Suomessa. T\u00e4m\u00e4 on t\u00e4rke\u00e4\u00e4, sill\u00e4 kuluttajien kokonaisvaltainen ymm\u00e4rt\u00e4minen niin k\u00e4ytt\u00e4jien kuin ei-k\u00e4ytt\u00e4jienkin osalta on merkityksellist\u00e4 mobiilimaksamisen kehityksen ja kilpailukykyisyyden osalta. Tutkielman teoreettinen kehys perustuu erilaisiin teknologian omaksumismalleihin, jotka koskivat aikaisempia mobiilimaksujen k\u00e4ytt\u00f6\u00f6nottoa koskevia tutkimuksia. T\u00e4m\u00e4n tutkimuksen tutkimusmallissa on hy\u00f6dynnetty eniten UTAUT2 -mallia, mik\u00e4 on viimeisin monitekij\u00e4malli, joka pyrkii selitt\u00e4m\u00e4\u00e4n tekniikan omaksumista kuluttajakontekstissa. Tutkielman empiirinen osuus toteutettiin puolistrukturoituna kyselytutkimuksen toukokuussa 2020. Kyselyyn saatiin 323 analyysiin sopivaa vastausta. Tutkittavia muuttujia analysoitiin faktorianalyysin ja multilineaarisen regressioanalyysin avulla. Lis\u00e4ksi tutkimuksen p\u00e4tevyytt\u00e4 ja luotettavuutta arvioitiin erilaisilla mittareilla. Tutkimuksen tuloksena saatiin empiirisi\u00e4 tuloksia tukeva malli, sill\u00e4 se selitt\u00e4\u00e4 61 % k\u00e4ytt\u00f6aikomuksesta mobiilimaksamisen omaksumisen taustalla. Tutkimuksen tulokset osoittavat, ett\u00e4 havaittu hy\u00f6dyllisyys ja helppok\u00e4ytt\u00f6isyys ovat merkitt\u00e4vi\u00e4 tekij\u00f6it\u00e4 mobiilimaksun k\u00e4ytt\u00f6aikomukseen suomalaisten kuluttajien keskuudessa. My\u00f6s luottamuksella on t\u00e4rke\u00e4 rooli, etenkin koskien mobiilimaksuj\u00e4rjestelmien turvallisuutta. Sen sijaan riskeill\u00e4 ja sosiaalisilla vaikutteilla ei ole vaikutusta mobiilimaksujen k\u00e4ytt\u00f6aikomukseen. Regressioanalyysien mukaan, k\u00e4ytt\u00e4jien ja ei-k\u00e4ytt\u00e4jien v\u00e4lill\u00e4 havaittiin eroja mobiilimaksun omaksumiseen liittyvien tekij\u00f6iden osalta.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Mobile payment systems have played a significant role in Finland and are a viable alternative for the traditional payment systems. However, customers have become increasingly demanding, and service providers and financial institutions must continually improve the customer experience in the rapidly evolving mobile payment environment. In order to be competitive in the current market context, it is important to identify the factors that influence the adoption of mobile payment systems. Thus, the purpose of this study was to understand what factors influence the adoption of mobile payment systems in Finland. Despite the benefits of mobile payments, it has taken a lot of time for the non-users to adopt the mobile payment technology. Thus, the aim of this study was also to find out, which factors influence the adoption of the mobile payment system by both users and non-users in Finland. This is important because a comprehensive understanding of consumers, both users and non-users, is meaningful for the development and competitiveness of mobile payments. The theoretical framework of the thesis is based on the different technology adoption models concerning the previous mobile payment adoption studies. This study introduced a research model that exploited different technology acceptance models. In this study UTAUT2 -model was applied the most, which is the most recent multiple factor -model explaining the technology acceptance in a consumer context. The empirical part of the thesis was based on a semi-structured survey in Finland during May 2020. Survey reached 323 answers suitable for the analysis. The variables were analysed using factor analysis and multilinear regression analyses. In addition, the validity and reliability of the study were assessed by various measures. As a conclusion of this study, the empirical results support the model, as it explains 61 % for the intention to use mobile payments. The results of the study indicate that perceived usefulness and perceived ease of use are significant factors for the intention to use mobile payments in Finland. Also trust plays an important role, especially towards security in mobile payment systems. In contrast, risks and social impacts have no effect on the intention to use mobile payments. According to the regression analyses, differences were found between users and non-users related to the factors influencing the mobile payment adoption.", "language": "en", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Miia Hakanen (mihakane@jyu.fi) on 2020-07-03T06:13:48Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2020-07-03T06:13:48Z (GMT). No. of bitstreams: 0\n Previous issue date: 2020", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "110", "language": "", "element": "format", "qualifier": "extent", "schema": "dc"}, {"key": "dc.format.mimetype", "value": "application/pdf", "language": null, "element": "format", "qualifier": "mimetype", "schema": "dc"}, {"key": "dc.language.iso", "value": "eng", "language": null, "element": "language", "qualifier": "iso", "schema": "dc"}, {"key": "dc.rights", "value": "In Copyright", "language": "en", "element": "rights", "qualifier": null, "schema": "dc"}, {"key": "dc.subject.other", "value": "mobile payment", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "mobile payment systems", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "technology adoption models", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "UTAUT2", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "factor analysis", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "multilinear regression analysis", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "Factors contributing the adoption of mobile payment of users and non-users", "language": "", "element": "title", "qualifier": null, "schema": "dc"}, {"key": "dc.type", "value": "master thesis", "language": null, "element": "type", "qualifier": null, "schema": "dc"}, {"key": "dc.identifier.urn", "value": "URN:NBN:fi:jyu-202007035212", "language": "", "element": "identifier", "qualifier": "urn", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Pro gradu -tutkielma", "language": "fi", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Master\u2019s thesis", "language": "en", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Informaatioteknologian tiedekunta", "language": "fi", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Faculty of Information Technology", "language": "en", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Informaatioteknologia", "language": "fi", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Information Technology", "language": "en", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "Jyv\u00e4skyl\u00e4n yliopisto", "language": "fi", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "University of Jyv\u00e4skyl\u00e4", "language": "en", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Tietoj\u00e4rjestelm\u00e4tiede", "language": "fi", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Information Systems Science", "language": "en", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "yvv.contractresearch.funding", "value": "0", "language": "", "element": "contractresearch", "qualifier": "funding", "schema": "yvv"}, {"key": "dc.type.coar", "value": "http://purl.org/coar/resource_type/c_bdcc", "language": null, "element": "type", "qualifier": "coar", "schema": "dc"}, {"key": "dc.rights.accesslevel", "value": "restrictedAccess", "language": null, "element": "rights", "qualifier": "accesslevel", "schema": "dc"}, {"key": "dc.type.publication", "value": "masterThesis", "language": null, "element": "type", "qualifier": "publication", "schema": "dc"}, {"key": "dc.subject.oppiainekoodi", "value": "601", "language": "", "element": "subject", "qualifier": "oppiainekoodi", "schema": "dc"}, {"key": "dc.subject.yso", "value": "omaksuminen", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "maksut", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "maksuj\u00e4rjestelm\u00e4t", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "mobiililaitteet", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "maksupalvelut", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "adoption (cognition)", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "payments", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "payment systems", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "mobile devices", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "payment services", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.format.content", "value": "fulltext", "language": null, "element": "format", "qualifier": "content", "schema": "dc"}, {"key": "dc.rights.url", "value": "https://rightsstatements.org/page/InC/1.0/", "language": null, "element": "rights", "qualifier": "url", "schema": "dc"}, {"key": "dc.rights.accessrights", "value": "The author has not given permission to make the work publicly available electronically. Therefore the material can be read only at the archival workstation at Jyv\u00e4skyl\u00e4 University Library (https://kirjasto.jyu.fi/en/workspaces/facilities).", "language": "en", "element": "rights", "qualifier": "accessrights", "schema": "dc"}, {"key": "dc.rights.accessrights", "value": "Tekij\u00e4 ei ole antanut lupaa avoimeen julkaisuun, joten aineisto on luettavissa vain Jyv\u00e4skyl\u00e4n yliopiston kirjaston arkistoty\u00f6semalta. Ks. https://kirjasto.jyu.fi/fi/tyoskentelytilat/laitteet-ja-tilat..", "language": "fi", "element": "rights", "qualifier": "accessrights", "schema": "dc"}, {"key": "dc.type.okm", "value": "G2", "language": null, "element": "type", "qualifier": "okm", "schema": "dc"}]
|