Search results for "kuluttajakäyttäytyminen"

Understanding technology diffusion in emerging markets

2019

PurposeThe purpose of this paper is to use the consumer-based discrepancy theory to examine consumers’ behavioral motivations for using mobile devices and the factors that influence the rapid diffusion of Chinese mobile devices in Nigeria.Design/methodology/approachData were collected using focus group interviews with samples cutting across users, technicians and experts from Port Harcourt, Nigeria’s industrial capital. This study conducted a thematic analysis of the data with NVivo Pro 11 for deductive coding.FindingsThe authors found that weak regulatory environment opened the Nigerian mobile market to the influx of mobile devices from Chinese local manufacturers. Though largely absent in…

The Use of Mobile Payment Systems in Post-COVID-19 Economic Recovery : Primary Research on an Emerging Market for Experience Goods

2021

This study investigated whether mobile payment services could drive post-COVID-19 pandemic recovery in the ‘experience goods’ sector (e.g., tourism) utilising Bandura’s self-efficacy or social cognitive theory. It explored the factors influencing the intention to continue using mobile payment services and the intention to recommend these to others. An empirical survey was conducted to assess the study variables, and the data obtained therefrom were analysed using the industry-standard Cross-Industry Standard Process for Data Mining method. The study results suggest that personal innovativeness and perceived trust influence consumers’ intention to continue using mobil…

ASP-tili säästämisen sitouttamisvälineenä

2021

Ihmisillä on usein haasteita sitoutua pitkän aikavälin tavoitteisiin. Oman talouden hallinnassa tämä voi tarkoittaa säästämisvaikeuksia, mutta myös maksuhäiriömerkintöihin ja ylivelkaantumiseen johtavaa kuluttamista. Aikaisemman tutkimuksen mukaan erilaiset sitouttamisvälineet ovat edistäneet heikon itsekontrollin omaavien henkilöiden säästämistä ja toimineet näin osaratkaisuna tähän ongelmaan. Tämä artikkeli täydentää aikaisempaa tutkimusta tarkastelemalla asuntosäästöpalkkio (ASP) -tiliä säästämisen sitouttamisvälineenä. Tutkimuksessa hyödynnetään vuonna 2017 kerättyä yliopisto-opiskelijoista koostuvaa kyselyaineistoa. Tutkimustulosten perusteella ASP-tilin omistaminen on positiivisesti y…

Nuorten näkemyksiä taloudellisesta osaamisesta

2012

Nuoret joutuvat tänä päivänä jo ennen täysi-ikäisyyttä tekemisiin taloudellisten asioiden kanssa. Nuoret käyttävät rahaa ja ovat osallisina sopimuksissa, joilla on pitkäkestoisiakin taloudellisia vaikutuksia. Artikkelissa tarkastellaan 15–20-vuotiaiden nuorten omia näkemyksiä taloudellisesta osaamisesta. Artikkelissa hyödynnetään lukioista ja toisen asteen oppilaitoksista eri puolilla Suomea vuonna 2011 kerättyjä fokusryhmäkeskusteluaineistoja. Nuorten taloudellista osaamista tarkastellaan Atkinsonin et al. (2006) jaottelun pohjalta, jossa taloudellinen osaaminen jaetaan neljään kategoriaan: (1) päivittäistalouden hoitoon, (2) talouden suunnitteluun, (3) finanssituotteiden tuntemiseen ja va…

Electronic banking in Finland : consumer beliefs, attitudes, intentions and behaviors

2002

This study focuses on developing a theoretical model with a practicaljustification within the field of electronic banking. We ground our discussion on the framework of consumer behavior and electronic banking by linking attitude research and electronic business research. Thus, the purpose of this dissertation is to determine those factors that influence the formation of consumer attitude toward electronic banking. Another important aspect of this study is to develop more insights into how attitude toward technology in general impacts on consumer behavior in an IT-environment.

Adoption of mobile banking in Finland

2003

Banking is an area in which technology has had a fundamental impact on the everyday lives of consumers. This article-based dissertation examines an innovation in the financial services industry, namely mobile banking services. It seeks to determine and explain the factors affecting the adoption of mobile banking services, thus the perspective taken by the dissertation is one that focuses on consumer behaviour patterns. In order to arrive at a theoretical model, it draws on traditional theories of innovation diffusion and adoption, and also on the literature relating to electronic banking and technology-based services. The model was tested with an empirical study. This aimed at conceptualisi…

Consumption and planetary well-being

2024

This chapter considers sustainable marketing and consumption from the perspective of planetary well-being (PW). While marketing is commonly associated with unsustainability, sustainable marketing can create, communicate, and deliver value to consumers in ways that ensure and restore the urgent needs of nature. Sustainable consumption at the acceptable threshold of disturbance on needs satisfaction globally requires critical reflection on the current norms and practices alongside thoughtful solutions for guiding action. The firstpart of the chapter presents the problematization of marketing and consumption against sustainability from the PW angle. It critically discusses the drivers of and b…

Ostosagenttien merkitys elektronisessa kaupankäynnissä ja niiden vaikutus kuluttajakäyttäytymiseen

2000

Examining consumers' intention, behavior, and beliefs in mobile banking adoption and continuous usage

2016

Changing consumer behavior continues to have a profound impact on digital banking adoption and prolonged usage in developed and emerging markets. Several factors influence the consumer decision journey when choosing any specific digital channel or combination of channels. Among a variety of digital banking channels, this dissertation research seeks to contribute to the mobile banking (m-banking) literature by examining consumer behavior in m-banking services as well as technology (application) adoption and continuous usage, especially after considering the fact that financial service institutions have entered a time when offering mobile-based services is no longer a novelty but a necessity.…

Factors Affecting the Consumers’ Purchase Intention and Willingness-to-Pay More for Electric-Vehicle Technology

2021

This study conducted an in-depth analysis of the factors affecting consumers’ intention to purchase and willingness to pay more for an electric vehicle (EV) in the developing-country context, extending the theory of planned behavior with two new variables: environmental concern and willingness to pay (WTP) a premium. Survey data were collected from 358 responses and were analyzed using partial least squares structural equation modeling. Multi-group analysis was conducted, and the moderating role of gender was examined. The findings showed the significant effects of the theory-of-planned-behavior variables and environmental concern on EV technology purchase intention. The present study provi…