ارزش‌آفرینی برای مشتری از طریق ایجاد آگاهی از خدمات اپلیکیشن های پرداخت آنلاین

نوع مقاله : علمی - پژوهشی

نویسندگان

گروه مدیریت بازرگانی، دانشکده علوم اجتماعی، دانشگاه محقق اردبیلی، اردبیل، ایران

چکیده

هدف: جایگاه تعیین‌کننده مشتریان در بقا، رکود و وضعیت رقابتی سازمان‌ها بسیار مهم است. بنابراین در دنیای امروز، محیط بازار که شامل مشتری و خواسته‌ها و نیازهایش است، تعیین‌کننده صلاحیت سازمان‌ها برای ادامه حیاتشان است. هدف از پژوهش حاضر، ارزش‌آفرینی برای مشتری از طریق ایجاد آگاهی از خدمات، سهولت و سودمندی ادراک شده از خدمات و نگرش نسبت به خدمات ارائه‌شده توسط اپلیکیشن آسان پرداخت (آپ) است.
روش: این پژوهش ازنظر هدف کاربردی است و ازنظر نحوه گردآوری داده‌ها توصیفی-پیمایشی است. جامعه آماری پژوهش شامل استفاده‌کنندگان این اپلیکیشن‌ است که با توجه به جدول مورگان، و روش نمونه‌گیری در دسترس تعداد 384 نمونه انتخاب شدند. روایی پرسشنامه از روش صوری و محتوایی، روایی همگرا و واگرا و تحلیل عاملی تأییدی؛ و پایایی آن از طریق آلفای کرونباخ و پایایی مرکب مورد تأیید قرارگرفته است. جهت آزمون فرضیه‌های تحقیق از روش SMART PLS3 استفاده شد.
یافته‌ها: یافته‌های پژوهش نشان داد که آگاهی از خدمات اپلیکیشن آپ بر سهولت، سودمندی و نگرش به کاربرد تأثیر مثبت و معنی‌داری دارد. درنهایت نگرش به کاربرد اپلیکیشن آپ بر ایجاد ارزش برای مشتری (کاربر) تأثیرگذار است.
نتیجه‌گیری: بر این اساس طراحان و بازاریابان لازم است به عواملی چون آگاه‌سازی از نحوه کاربرد اپلیکیشن تا، سهولت کاربرد آن و سودمندی استفاده از آن، توجه بیشتری داشته باشند تا بتوانند نگرش مثبت به آن را ترغیب کرده و درمجموع به فکر ارزش‌آفرینی برای مشتری باشند.

کلیدواژه‌ها


عنوان مقاله [English]

Value creation for the customer by creating mindfulness of online payment application services

نویسندگان [English]

  • naser seifollahi
  • Nader Eskandari
Department of Business Management, Faculty of Social Sciences, Mohaghegh Ardabili University, Ardabil, Iran
چکیده [English]

Objective: The decisive position of customers in the survival, recession and competitive situation of organizations is very important. Thus, in today's world, the market environment, which includes the customer and his wants and needs, determines the eligibility of organizations to survive. The purpose of this study is to create value for the customer by creating awareness of services, ease and perceived usefulness of services and attitudes toward services provided by the Easy Payment app.
Method: This research is applied in terms of purpose and is descriptive-survey in terms of data collection. The statistical population of the study includes the users of this application. According to Morgan table and available sampling method, 384 samples were selected. Questionnaire validity from formal and content method, convergent and divergent validity and confirmatory factor analysis; Its reliability has been confirmed by Cronbach's alpha and composite reliability. SMART PLS3 method was used to test the research hypotheses.
Findings: The research findings showed that knowledge of application services has a significant effect on ease, usefulness and attitude to use. Ease of use leads to usefulness and a positive attitude. Finally, the attitude towards the use of the app is effective in creating value for the customer (user).
Conclusion: Accordingly, designers and marketers need to pay more attention to factors such as awareness of how to use the application, its ease of use and usefulness to be able to encourage a positive attitude towards it and generally think about creating value for the customer.

کلیدواژه‌ها [English]

  • Mindfulness
  • Perceived Ease of Use
  • Perceived Usefulness
  • Attitude
  • Value Creation
  1. Abdull Rahman, N.L., Hassan, Sh. (2017). The influence of M-Commerce adoption and behavioural intention on overall perceived usefulness and perceived ease of use: a case of university students in Malaysia. International Journal of Advanced Engineering and Management Research, 2(3), 695-709.
  2. Abdullah, D., Jayaraman, K., Shariff, D.N., Bahari, Kh.A., Nor, N.M. (2017). The Effects of Perceived Interactivity, Perceived Ease of Use and Perceived Usefulness on Online Hotel Booking Intention: A Conceptual Framework. International Academic Research Journal of Social Science, 3(1), 16-23.
  3. Beyrami Igdar, J., Akbari Yazdi, H., Elahi, A. (1398). The mediating role of perceived value in the relationship between customer knowledge and customer loyalty and gaining a competitive advantage in Premier League clubs. Sports Management, 11 (3), 581-596. (in Persian).
  4. Bialkova, S., Te Paske, S. (2020). Campaign participation, spreading electronic word of mouth, purchase: how to optimise corporate social responsibility, CSR, effectiveness via social media?. European Journal of Management and Business Economics, 1-19.
  5. Boon-itt, S. (2019). Quality of health websites and their influence on perceived usefulness, trust and intention to use: an analysis from Thailand. Journal of Innovation and Entrepreneurship, 1-18.
  6. Cambra-Fierro, J., Melero-Polo, I. and Sese, F.J. (2018). Customer value co-creation over the relationship life cycle. Journal of Service Theory and Practice, 28(3), 336-355.
  7. Chin, W. W., & Newsted, P. R. (1999). Structural equation modeling analysis with small samples using partial least squares. Statistical strategies for small sample research, 1(1), 307-341.
  8. Chang, I.H., Chen, R.S. (2020). The Impact of Perceived Usefulness on Satisfaction with Online Parenting Resources: The Mediating Effects of Liking and Online Interaction. Asia-Pacific Edu Res, https://doi.org/10.1007/s40299-019-00484-y, 29(4), 307–317.
  9. Davari, A. & Rezazadeh, A. (2013). Structural equation modeling with PLS. Jahade Daneshgahi, Tehran, Persian Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management science, 35(8), 982-1003.
  10. Diamond, M., Zheng, P., Zoogman, S. (2017). Mindfulness and technology. Practice. American Psychiatric Association Publishing, Arlingon, 163-182.
  11. Erdogmus, N., Esen, M. (2011). An Investigation of the Effects of Technology Readiness on Technology Acceptance in e-HRM. Procedia Social and Behavioral Sciences, 487-495.
  12. Feizabadi, M., Gohari, H., sakhaei, A., Vasfi, M. (2018). Internet Use for Health Information Search according to Technology Acceptance Model (TAM) among Women. Journal of Sabzevar University of Medical Sciences, 24(6), 51-62.(in Persian)
  13. Flavian, C., Guinaliu, M., & Lu, Y. (2020). Mobile payments adoption–introducing mindfulness to better understand consumer behavior. International Journal of Bank Marketing.
  14. Gan, C.E., Cohen, D.A., Hu, B., Tran, M.C., Dong, W. and Wang, A. (2016) .The relationship between credit card attributes and the demographic characteristics of card users in China. International Journal of Bank Marketing, 34(7), 966-984.
  15. Ghorbaniann Gozafroudi, M.S., Kheiri, B., Ismailpour, H., Aliqoli, M. (1399). Identifying the dimensions of conscious mental structure as one of the aspects of conscious consumption. Business Management, 11 (4), 965-991. (in Persian).
  16. Hulland, J. (1999). “Use of Partial Least Squares (PLS) In Strategic Management Research: A Review of Four Recent Studies”. Strategic Management Journal, 20(2): 195-204
  17. Ismailpour, M., Marousi, A. (1398). Factors affecting the adoption of information technology and social networks in providing passive defense solutions against risks. Journal of Passive Defense, 10 (3), 25-38. (in Persian).
  18. Jahangeer, G., Dayani, M., nowkarzi, M. (2016). The Development of Technology Acceptance Model (TAM) through Measuring the Impact of Self-Efficacy and Dysfunctional Attitudes on the Acceptance of Pajhoohan based on Cognitive[1]Social Theory. Library and Information Science Research, 5(2), 319-339. doi: 10.22067/riis.v5i2.41818. (in Persian)
  19. Jalali Z, Ashrafi-Rizi H, Soleymani M R, Afshar M. Effective Factors on the Acceptance of Information Technology by Academic Librarians of Isfahan Based on TAM. payavard. 2017; 11 (4) :400-410. (in Persian)
  20. Kazemian, M., Habibi, A., Habibi, M. (2020). Investigating the effect of ease of use, perceived usefulness and social image of using Mobile Bank on customers 'attitudes and customers' desire to use (Case study: Tejarat Mobile Bank users). Quarterly Journal of New Research Approaches in Management and Accounting, 4 (28), 93-74. (in Persian)
  21. Koksal, M.H. (2016). The intentions of Lebanese consumers to adopt mobile banking. International Journal of Bank Marketing, 34(3), 327-346.
  22. Liebana-Cabanillas, F., Marinkovic, V., de Luna, I.R. and Kalinic, Z. (2018a) . Predicting the determinants of mobile payment acceptance: a hybrid SEM-neural network approach. Technological Forecasting and Social Change, 129, 117-130.
  23. Mahavarpoor, N., & I Kazemi, A. (2017). Evaluating the Impact of Individual Factors on Consumer Attitudes towards Mobile applications (Case Study: Smart Phone's Users among the Bachelor Students of University of Isfahan). New Marketing Research Journal, 7(3), 1-20. (in Persian)
  24. Mansourzadeh, M., Mahmoudi, F., Habibi, H. (1396). Investigating the factors affecting the acceptance of information and communication technology among students based on the pattern of technology acceptance. Journal of Educational Strategies in Medical Sciences, 9 (5), 357-370. (in Persian).
  25. Martelo, S., Barroso, C., & Cepeda, G. (2013). The use of organizational capabilities to increase customer value. Journal of Business Research, 66(10), 2042-2050.
  26. Matikit, R., Mpinganjira, M., Roberts-Lombard, M. (2018). Application of the Technology Acceptance Model and the Technology–Organisation–Environment Model to examine social media marketing use in the South African tourism industry. South African Journal of Information Management, (20)1, 1-12.
  27. McLean, G., Osei-Frimpong, K., Al-Nabhani, KH., Marriott, H. (2020). Examining consumer attitudes towards retailers' m-commerce mobile applications – An initial adoption vs. continuous use perspective. Journal of Business Research 106, 139-157.
  28. Mosleh, A., Pourdehghan, A. (2013). A Model to Explain the Impacts of Personal Factors on the Acceptance of Mobile Commerce. IT Management Studies, 1(4), 37-64. (in Persian)
  29. Mostafa, R.B. (2020). Mobile banking service quality: a new avenue for customer value co-creation. International Journal of Bank Marketing, 38(5), 1107-1132.
  30. Muñoz-Leiva, F., Climent-Climent, S., & Liébana-Cabanillas, F. (2017). Determinants of intention to use the mobile banking apps: An extension of the classic TAM model. Spanish Journal of Marketing - ESIC, 21(1), 25–38.
  31. Nguyen, M., et al. (2020). Using the technology acceptance model to explore health provider and administrator perceptions of the usefulness and ease of using technology in palliative care. https://doi.org/10.1186/s12904-020-00644-8, 1-9.
  32. Nnabugwu, T. (2020). MasterCard reveals contactless payment surge in Africa as COVID-19 triggers safety precautions. Venturesafrica.com, May 6, available at: http://venturesafrica.com/ mastercard-reveals-contactless-payment-surge-in[1]africa-as-covid-19-triggers-safetyprecautions/.
  33. Nordlof, CH., Hallstrom, J., Host, G.E. (2019). Self-efficacy or context dependency?: Exploring teachers’ perceptions of and attitudes towards technology education. Int J Technol Des Educ, 123–141.
  34. Nunnally, j. (1978). Psychometric theory. New York, NY: McGraw-Hill.
    • Ooi, K. B., & Tan, G. W. H. (2016). Mobile technology acceptance model: An investigation using mobile users to explore smartphone credit card. Expert Systems with Applications, 59, 33-46.
  35. Pham, T. T. T., & Ho, J. C. (2015). The effects of product-related, personal-related factors and attractiveness of alternatives on consumer adoption of NFC-based mobile payments. Technology in society, 43, 159-172.
  36. Safari, K., Bisimwa, A., Buzera Armel, M. (2020). Attitudes and intentions toward internet banking in an under developed financial sector. Published in PSU ResearchReview, Published by Emerald Publishing Limited, 1-20.
  37. Safeena, R., Date, H., Kammani, A., & Hundewale, N. (2012). Technology adoption and Indian consumers: study on mobile banking. International Journal of Computer Theory and Engineering, 4(6), 1020.
  38. Stankov, U., Filimonau, V., Gretzel, U., Vujicic, M.D. (2020). E-mindfulness – the growing importance of facilitating tourists’ connections to the present moment. JOURNAL OF TOURISM FUTURES, 6(3), 239-245.
  39. Sun, H., Fang, Y., Zou, H. (2016). Choosing a Fit Technology: Understanding Mindfulness in Technology Adoption and Continuance. Journal of the Association for Information Systems, 17(6), 377-412.
  40. Verhoef, P.C., Lemon, K.N. (2013). Successful customer value management: Key lessons and emerging trends. European Management Journal 31, 1– 15.
  41. Verissimo, J. M. C. (2018). Usage intensity of mobile medical apps: A tale of two methods. Journal of Business Research, 89, 442–447.
  42. Venkatesh, V., Morris, M.G., Davis, G.B. and Davis, F.D. (2003), “User acceptance of information technology: toward a unified view”, MIS Quarterly, Vol. 27 No. 3, pp. 425-478.
  43. Wetzels, M., Odekerken-Schröder, G., & Van Oppen, C. (2009). Using PLS path modeling for assessing hierarchical construct models: Guidelines and empirical illustration. MIS quarterly, 177-195.
  44. Xiang, L., Zheng, X., Lee, M.K.O., Zhao, D. (2016). Exploring consumers’ impulse buying behavior on social commerceplatform: The role of parasocial interaction. International Journal of Information Management 36, 333–347.
  45. Yi, Y., & Gong, T. (2013). Customer value co-creation behavior: Scale development and validation. Journal of Business research, 66(9), 1279-1284