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[{"key": "dc.contributor.advisor", "value": "Uusitalo, Outi", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Kukkonen, Jaana", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2022-05-27T07:02:40Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2022-05-27T07:02:40Z", "language": null, "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2022", "language": "", "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/81302", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "K\u00e4teisen k\u00e4yt\u00f6n v\u00e4hentymisen my\u00f6t\u00e4 muut maksutavat yleistyv\u00e4t. Maailman tapahtumien ja maksutapoihin liittyv\u00e4t muutostrendit ohjaavat ihmisten k\u00e4ytt\u00e4mi\u00e4 maksutapoja. Mobiilimaksaminen on Suomessa edelleen v\u00e4h\u00e4ist\u00e4, mutta sen k\u00e4yt\u00f6n kasvu on nousujohteista. \nT\u00e4m\u00e4n pro gradu- tutkielman tavoitteena oli selvitt\u00e4\u00e4 nuorten kokemia esteit\u00e4, riskej\u00e4 ja hy\u00f6tyj\u00e4 mobiilimaksamisen k\u00e4ytt\u00e4miselle p\u00e4ivitt\u00e4istavarakaupassa. Tutkimuksessa perehdyttiin nuorten kokemiin riskeihin ja mahdollisiin hy\u00f6tyihin tai niiden puutteeseen mobiilimaksamisessa. My\u00f6s sukupuolten ja y- ja z- sukupolvien v\u00e4lisi\u00e4 eroja mobiilimaksamisen riskeihin, hy\u00f6tyihin ja k\u00e4ytt\u00f6aikomukseen liittyen pyrittiin saamaan selville. Tutkimuksen teoreettisena viitekehyksen\u00e4 toimi teknologian k\u00e4ytt\u00f6\u00f6nottoon liittyv\u00e4t TAM- malli ja UTAUT- malli. Teoreettiseen viitekehykseen kuuluneiden valenssiteorian ja siihen sis\u00e4ltyvien havaitun riskin ja havaitun arvon teorian avulla pyrittiin saamaan selville mahdollisia esteit\u00e4 mobiilimaksamisen k\u00e4yt\u00f6lle. \nTutkimus toteutettiin kvantitatiivisena tutkimuksena. Tutkimuksessa hy\u00f6dynnett\u00e4v\u00e4 aineisto ker\u00e4ttiin internetpohjaisella kyselyll\u00e4. Ker\u00e4tty aineisto analysoitiin k\u00e4ytt\u00e4en SPSS-ohjelmalla. Avointen kysymysten vastaukset analysoitiin kvalitatiivisella sis\u00e4ll\u00f6nanalyysill\u00e4. Tutkimuksen tuloksista k\u00e4y ilmi, ett\u00e4 yksityisyysriskill\u00e4 ja psykologisella riskill\u00e4 on negatiivinen suhde k\u00e4ytt\u00f6aikomukseen. Hy\u00f6dyll\u00e4 puolestaan on positiivinen suhde k\u00e4ytt\u00f6aikomukseen. Naisilla aikomus k\u00e4ytt\u00e4\u00e4 mobiilimaksamista p\u00e4ivitt\u00e4istavarakaupassa oli suurempi kuin miehill\u00e4. Z-sukupolvella aikomus k\u00e4ytt\u00e4\u00e4 mobiilimaksamista p\u00e4ivitt\u00e4istavarakaupassa oli Y-sukupolvea suurempi. Sukupuolella ja sukupolvilla ei t\u00e4ss\u00e4 tutkimuksessa havaittu olevan vaikutusta riski- tai hy\u00f6tykokemuksiin. Tutkimustuloksien mukaan mobiilimaksaminen on toissijainen, mutta k\u00e4yt\u00e4nn\u00f6llinen maksutapa k\u00e4ytt\u00e4j\u00e4lleen. K\u00e4yt\u00f6n esteet ovat sek\u00e4 kuluttajista itsest\u00e4\u00e4n ett\u00e4 ulkoisista tekij\u00f6ist\u00e4 johtuvia.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Miia Hakanen (mihakane@jyu.fi) on 2022-05-27T07:02:40Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2022-05-27T07:02:40Z (GMT). No. of bitstreams: 0\n Previous issue date: 2022", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "79", "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": "fin", "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": "havaittu riski", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "havaittu arvo", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "TAM-malli", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "UTAUT-malli", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "Mobiilimaksamisen esteet, riskit ja hy\u00f6dyt p\u00e4ivitt\u00e4istavarakaupassa", "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-202205272925", "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": "Jyv\u00e4skyl\u00e4 University School of Business and Economics", "language": "en", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Jyv\u00e4skyl\u00e4n yliopiston kauppakorkeakoulu", "language": "fi", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Taloustieteet", "language": "fi", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Business and Economics", "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": "Markkinointi", "language": "fi", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Marketing", "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": "openAccess", "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": "20423", "language": "", "element": "subject", "qualifier": "oppiainekoodi", "schema": "dc"}, {"key": "dc.subject.yso", "value": "riskit", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "maksutavat", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "mobiilimaksaminen", "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.type.okm", "value": "G2", "language": null, "element": "type", "qualifier": "okm", "schema": "dc"}]
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