电子货币应用学费贷款行为分析使用价值框架和技术接受性分析
Dhonn Q Tomas1, Christian Gerard E Eleria1, Ruth Catherine R Oquialda1
1E.T. Yuchengo School of Business, Mapúa University, 1191 Pablo Ocampo Sr. Ext., Makati, Metro Manila 1204, Philippines.
Acta psychologica
|September 2, 2025
概括
菲律宾的学费贷款使用电子货币受限于技术问题和低金融素养. 预期的业绩,促进条件和感知到的好处是采用的关键驱动因素,而感知到的风险并不显著.
科学领域:
- 数字金融
- 教育技术的采用
- 行为经济学
背景情况:
- 在像菲律宾这样的发展中国家,
- 技术和基础设施的限制,包括互联网接入和财务素养,阻碍了采用.
- 菲律宾与发达国家不同,
研究的目的:
- 调查菲律宾使用电子货币申请的行为意图.
- 将技术接受和使用的统一理论3 (UTAUT3) 与价值框架相结合.
- 确定影响高等教育融资使用电子货币的关键因素.
主要方法:
- 这项调查对菲律宾505名受访者进行.
- 部分最小方程结构方程模型 (PLS-SEM) 用于数据分析.
- 这项研究使用了整合UTAUT3和Valence框架的48项问卷.
主要成果:
- UTAUT3构造显著影响行为意图,表现期望是最强的预测因素.
- 促进条件,习惯,快乐的动机,个人创新能力,社会影响力和努力的期望也影响了采用.
- 感知到的好处对采用产生了积极的影响,而感知到的风险则没有显著的影响.
结论:
- 对于促进学费贷款使用电子货币而言,预期的业绩和促进条件至关重要.
- 感知到的好处推动了采用,突出了强调价值主张的需要.
- 调查结果为决策者和开发者提供了在菲律宾包容性,技术驱动的高等教育融资策略.
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