Takaful is an important and major segment of the finance industry that is poised for growth. Unde... more Takaful is an important and major segment of the finance industry that is poised for growth. Understanding the factors that influence Muslim consumers’ purchasing behaviour is crucial to accelerate the growth in the family takaful market segment. However, research has yet to adequately address the drivers of family takaful purchase behaviour. By integrating religious obligation into the theory of planned behaviour, this study proposed and tested a model of the factors underlying family takaful purchasing behaviour, and further examined the moderating impact of gender. The findings show that Muslim consumers’ intentions to purchase family takaful are influenced by attitude and subjective norm, and purchasing behaviour is influenced by intention and perceived behavioural control. Although religious obligation affects attitude, subjective norm, and perceived behavioural control, its influence on family takaful purchasing intention and purchasing behaviour is not supported. These findin...
Abstract: South Africa’s water resources are constantly under pressure as a result of severe weat... more Abstract: South Africa’s water resources are constantly under pressure as a result of severe weather conditions, pollution, destruction of wetlands and a growing population. Although efforts to increase awareness of water conservation have been implemented, household usage continues to rise. Previous studies have highlighted the major issues militating against water conservation behaviour, but more research is necessary in the South African context. The purpose of this study, therefore, was to understand the impact of living habits on water conservation behaviour among Gauteng residents, using a research model that integrates living habits into the Theory of Reasoned Action (TRA). Data for empirical testing of the proposed research model was obtained from the responses of 347 respondents in Gauteng. The empirical results of the analysis indicate that respondents’ habits and intention to conserve water have significant and positive effects on water conservation behaviour. The results...
Abstract: Gender roles are an integral part of people's lives, and exert observable influence... more Abstract: Gender roles are an integral part of people's lives, and exert observable influences in many ways on their evaluation of issues and objects. By using the innovation diffusion theory, this study examines the impact of the gender of SME managers on their perception of mobile marketing acceptance in the South African tourism sector. A simple random sampling was used to obtain responses from the managers of 178 tourism-sector SMEs. The results of an analysis using Partial Least Squares identified relative advantage, compatibility, and complexity as salient factors that explain mobile marketing adoption intention among the SMEs. The results further revealed that the managers’ gender plays a significant role in their assessment of the characteristics of the mobile marketing innovation. Thus, while complexity is important for male SME managers, relative advantage and compatibility underscore mobile marketing adoption intention by female SME managers. These findings emphasize ...
Background Behavioral sustenance is one of the main outcomes of social marketing programs to addr... more Background Behavioral sustenance is one of the main outcomes of social marketing programs to address health issues, such as HIV and AIDS prevention. However, academic research into consistent condom use is interestingly sparse, particularly in South Africa, the country with the highest HIV-infected population in the world. Young adults are particularly vulnerable because they often engage in unprotected sex. Focus of the Article This study explores the factors driving consistent condom use intention with theoretical considerations in the expectation confirmation theory. The study investigates whether factors within the condom product category such as brand satisfaction and brand value enhance or weaken the effect of met/unmet brand expectations on consistent condom use intention of young adults. It further tests whether this potential enhanced or weakened effect significantly differs between male and female condom users. Research Questions Does dis/confirmation influence consistent ...
The present study examines the extent to which structural assurance mechanisms and economic benef... more The present study examines the extent to which structural assurance mechanisms and economic benefits of online shopping are used by online shoppers as cues to infer the relational benefits of confidence and special treatment, respectively. The study further posits that these relational benefits foster relationship quality outcomes for online retailers. The study's findings—based on survey data obtained from 580 online shoppers—suggest that the online retailing structural assurance mechanisms and the selected economic benefits online shopping positively predict online shoppers' special treatment benefits and confidence benefits. The results also show that special treatment benefits and confidence benefits positively predict relationship quality outcomes. The findings also show how the relational benefits serve as mediating mechanisms through which the online retailing structural assurance features and customisation and functional convenience affect the relationship quality ou...
The present study aims at adapting and validating the Bergen Facebook Addiction Scale (BFAS) for ... more The present study aims at adapting and validating the Bergen Facebook Addiction Scale (BFAS) for mobile social networking site (MSNS) addiction in the context of a developing country. The study further examines the role of social overload and religiosity in MSNS addiction. A cross-sectional survey was used to obtain data from a sample of 557 MSNS users in South Africa. The psychometric properties of the adaptation of the BFAS for MSNS addiction were robustly assessed using the structural equation modelling technique. The results suggest a five-factor addiction component model for MSNS addiction with excellent psychometric properties. Given that much of the existing literature suggests a six-factor behavioural addiction component model for SNS addiction, the findings of the present study contribute new insights into the literature and reinforce the need for far-reaching cross-cultural validation scales beyond their original contexts. Furthermore, the findings of the study make an ori...
International Journal of E-Services and Mobile Applications, 2022
The present study integrates perceived service quality and national cultural dimensions into the ... more The present study integrates perceived service quality and national cultural dimensions into the expectation-confirmation model (ECM) to ascertain the antecedents of user satisfaction and continuance use of SNSs, and tested the moderating role of culture on the strengths of relationships in our adapted ECM. Data for empirical testing of the research model, using a Partial Least Squares (PLS) structural equation modelling technique with multi-group analysis, were obtained from 987 SNS users in Jordan and South Africa. Our findings suggest that, although there are differences in the path estimates of users in these contexts, these differences are not statistically significant, implying that cultural factors are not salient considerations for promoting SNS users’ satisfaction and continuance use intention. Implications of these findings for theory and practice are discussed.
In spite of the widespread acceptance and use of the mobile technology and its associated service... more In spite of the widespread acceptance and use of the mobile technology and its associated services, South Africa retail banks face a monumental challenge in convincing its clients to accept mobile banking services. Understanding retail banking clients’ behavioral intention toward mobile banking services usage is a key issue in accelerating rapid adoption of the services. Yet, current research pays little attention to the drivers of behavioral intention towards mobile banking usage. This study investigated retail banking clients’ behavioral intention towards mobile banking services usage in South Africa. The results of the analysis based on data sourced from 394 retail banking clients of the four major retail banks in South Africa indicate that all the hypothesized relationships in the core conceptual research model based on theoretical considerations rooted in the TAM and its extensions were supported. Therefore, this study does not only verify that the TAM can be deployed to explai...
The rise in popularity of e-books is expected to erode the market share of printed books signific... more The rise in popularity of e-books is expected to erode the market share of printed books significantly. However, the demand for e-books has not been as great as initially hoped, especially in developing countries. While it would appear that customer apathy is the foremost obstacle in the growth and use of e-books, more research is necessary in order to understand the broader complexities behind this issue. This study analyses the behavioural intention of students in selected South African tertiary intuitions to use e-books. The study is based on theory rooted in the Unified Theory of Acceptance and Use of Technology (UTAUT) model. Data were collected from 439 participating students from five tertiary institutions in South Africa.The results suggest that, with regard to students in South Africa, performance expectancy, social influence and facilitating conditions are significant antecedents of behavioural intention towards e-book use. Surprisingly, gender differences did not moderate...
Social Behavior and Personality: an international journal, 2017
Using an integrated conceptual model that incorporated the theories of unified theory acceptance ... more Using an integrated conceptual model that incorporated the theories of unified theory acceptance and use of technology, social cognition, and institution-based trust, in the context of mobile banking (m-banking) use, I investigated the moderating effect of use experience on the relationships among the factors of acceptance (performance expectancy, effort expectancy, self-efficacy, and structural assurance) and behavioral intention to use m-banking. Data for empirical testing of the model were obtained through a survey of 401 retail-banking customers in South Africa. Although the proposed model was supported by the data, the moderating effects of use experience on the factors of behavioral intention were nonsignificant, except in the relationship between structural assurance and behavioral intention. The implications of these findings for efforts aimed at accelerating the acceptance of m-banking services are discussed.
Cyberpsychology, Behavior, and Social Networking, 2017
The book publishing industry is going through radical transformations that are driven by recent d... more The book publishing industry is going through radical transformations that are driven by recent developments in information systems (IS). E-books are merely one of these developments. Notwithstanding the projections in the growth of e-book use, producers of these products contend with the issue of building user retention and loyalty through continued use. Extending the technology acceptance model (TAM), this study examined the impact of factors of perceived usefulness, perceived ease of use, social influence, and facilitating conditions on e-book continuance intention among users. The subjects of this study were 317 students from five higher institutions of learning in South Africa. Empirical testing of the research model was carried out using structural equation modeling. The results indicate that 42 percent of the variance in e-book users' continuance intention is explained by perceived usefulness, perceived ease of use, and social influence. Interestingly, facilitating conditions have an influence, although indirectly, through perceived usefulness, perceived ease of use, and social influence. The study not only contributes to the existing IS literature by extending the TAM to explain continuance intention in the e-book IS domain in a developing country but also makes recommendations to practitioners who attempt to foster continuous use of this technology.
International Journal of Information Management, 2016
The paper examines the key drivers of mobile marketing adoption intention.A multi-perspective fra... more The paper examines the key drivers of mobile marketing adoption intention.A multi-perspective framework rooted in TOE framework was developed and tested.Data was randomly sourced from 205 small-medium-sized enterprises in South Africa.Data was analysed using structural equation modelling.The framework possesses substantial explanatory power to explain adoption intention.Among the important drivers of intention perceived top management support was the strongest. This paper examines the key drivers of mobile marketing adoption intention by South African SMEs using a multi-perspective framework that combines elements in the technological, organisational and environmental contexts of the enterprises. Data was collected from a random sample of 205 SMEs from Gauteng, South Africa. Structural equation modelling was used to analyse the data. The results identified perceived relative advantage, perceived cost, top management support, employees' IT capability, and customer pressure as important drivers of mobile marketing adoption intention. Of these factors, top management support emerged as the strongest driver of adoption intention. The implications of these findings for mobile marketers and others interested in accelerating the adoption of mobile marketing among SMEs are highlighted.
Takaful is an important and major segment of the finance industry that is poised for growth. Unde... more Takaful is an important and major segment of the finance industry that is poised for growth. Understanding the factors that influence Muslim consumers’ purchasing behaviour is crucial to accelerate the growth in the family takaful market segment. However, research has yet to adequately address the drivers of family takaful purchase behaviour. By integrating religious obligation into the theory of planned behaviour, this study proposed and tested a model of the factors underlying family takaful purchasing behaviour, and further examined the moderating impact of gender. The findings show that Muslim consumers’ intentions to purchase family takaful are influenced by attitude and subjective norm, and purchasing behaviour is influenced by intention and perceived behavioural control. Although religious obligation affects attitude, subjective norm, and perceived behavioural control, its influence on family takaful purchasing intention and purchasing behaviour is not supported. These findin...
Abstract: South Africa’s water resources are constantly under pressure as a result of severe weat... more Abstract: South Africa’s water resources are constantly under pressure as a result of severe weather conditions, pollution, destruction of wetlands and a growing population. Although efforts to increase awareness of water conservation have been implemented, household usage continues to rise. Previous studies have highlighted the major issues militating against water conservation behaviour, but more research is necessary in the South African context. The purpose of this study, therefore, was to understand the impact of living habits on water conservation behaviour among Gauteng residents, using a research model that integrates living habits into the Theory of Reasoned Action (TRA). Data for empirical testing of the proposed research model was obtained from the responses of 347 respondents in Gauteng. The empirical results of the analysis indicate that respondents’ habits and intention to conserve water have significant and positive effects on water conservation behaviour. The results...
Abstract: Gender roles are an integral part of people's lives, and exert observable influence... more Abstract: Gender roles are an integral part of people's lives, and exert observable influences in many ways on their evaluation of issues and objects. By using the innovation diffusion theory, this study examines the impact of the gender of SME managers on their perception of mobile marketing acceptance in the South African tourism sector. A simple random sampling was used to obtain responses from the managers of 178 tourism-sector SMEs. The results of an analysis using Partial Least Squares identified relative advantage, compatibility, and complexity as salient factors that explain mobile marketing adoption intention among the SMEs. The results further revealed that the managers’ gender plays a significant role in their assessment of the characteristics of the mobile marketing innovation. Thus, while complexity is important for male SME managers, relative advantage and compatibility underscore mobile marketing adoption intention by female SME managers. These findings emphasize ...
Background Behavioral sustenance is one of the main outcomes of social marketing programs to addr... more Background Behavioral sustenance is one of the main outcomes of social marketing programs to address health issues, such as HIV and AIDS prevention. However, academic research into consistent condom use is interestingly sparse, particularly in South Africa, the country with the highest HIV-infected population in the world. Young adults are particularly vulnerable because they often engage in unprotected sex. Focus of the Article This study explores the factors driving consistent condom use intention with theoretical considerations in the expectation confirmation theory. The study investigates whether factors within the condom product category such as brand satisfaction and brand value enhance or weaken the effect of met/unmet brand expectations on consistent condom use intention of young adults. It further tests whether this potential enhanced or weakened effect significantly differs between male and female condom users. Research Questions Does dis/confirmation influence consistent ...
The present study examines the extent to which structural assurance mechanisms and economic benef... more The present study examines the extent to which structural assurance mechanisms and economic benefits of online shopping are used by online shoppers as cues to infer the relational benefits of confidence and special treatment, respectively. The study further posits that these relational benefits foster relationship quality outcomes for online retailers. The study's findings—based on survey data obtained from 580 online shoppers—suggest that the online retailing structural assurance mechanisms and the selected economic benefits online shopping positively predict online shoppers' special treatment benefits and confidence benefits. The results also show that special treatment benefits and confidence benefits positively predict relationship quality outcomes. The findings also show how the relational benefits serve as mediating mechanisms through which the online retailing structural assurance features and customisation and functional convenience affect the relationship quality ou...
The present study aims at adapting and validating the Bergen Facebook Addiction Scale (BFAS) for ... more The present study aims at adapting and validating the Bergen Facebook Addiction Scale (BFAS) for mobile social networking site (MSNS) addiction in the context of a developing country. The study further examines the role of social overload and religiosity in MSNS addiction. A cross-sectional survey was used to obtain data from a sample of 557 MSNS users in South Africa. The psychometric properties of the adaptation of the BFAS for MSNS addiction were robustly assessed using the structural equation modelling technique. The results suggest a five-factor addiction component model for MSNS addiction with excellent psychometric properties. Given that much of the existing literature suggests a six-factor behavioural addiction component model for SNS addiction, the findings of the present study contribute new insights into the literature and reinforce the need for far-reaching cross-cultural validation scales beyond their original contexts. Furthermore, the findings of the study make an ori...
International Journal of E-Services and Mobile Applications, 2022
The present study integrates perceived service quality and national cultural dimensions into the ... more The present study integrates perceived service quality and national cultural dimensions into the expectation-confirmation model (ECM) to ascertain the antecedents of user satisfaction and continuance use of SNSs, and tested the moderating role of culture on the strengths of relationships in our adapted ECM. Data for empirical testing of the research model, using a Partial Least Squares (PLS) structural equation modelling technique with multi-group analysis, were obtained from 987 SNS users in Jordan and South Africa. Our findings suggest that, although there are differences in the path estimates of users in these contexts, these differences are not statistically significant, implying that cultural factors are not salient considerations for promoting SNS users’ satisfaction and continuance use intention. Implications of these findings for theory and practice are discussed.
In spite of the widespread acceptance and use of the mobile technology and its associated service... more In spite of the widespread acceptance and use of the mobile technology and its associated services, South Africa retail banks face a monumental challenge in convincing its clients to accept mobile banking services. Understanding retail banking clients’ behavioral intention toward mobile banking services usage is a key issue in accelerating rapid adoption of the services. Yet, current research pays little attention to the drivers of behavioral intention towards mobile banking usage. This study investigated retail banking clients’ behavioral intention towards mobile banking services usage in South Africa. The results of the analysis based on data sourced from 394 retail banking clients of the four major retail banks in South Africa indicate that all the hypothesized relationships in the core conceptual research model based on theoretical considerations rooted in the TAM and its extensions were supported. Therefore, this study does not only verify that the TAM can be deployed to explai...
The rise in popularity of e-books is expected to erode the market share of printed books signific... more The rise in popularity of e-books is expected to erode the market share of printed books significantly. However, the demand for e-books has not been as great as initially hoped, especially in developing countries. While it would appear that customer apathy is the foremost obstacle in the growth and use of e-books, more research is necessary in order to understand the broader complexities behind this issue. This study analyses the behavioural intention of students in selected South African tertiary intuitions to use e-books. The study is based on theory rooted in the Unified Theory of Acceptance and Use of Technology (UTAUT) model. Data were collected from 439 participating students from five tertiary institutions in South Africa.The results suggest that, with regard to students in South Africa, performance expectancy, social influence and facilitating conditions are significant antecedents of behavioural intention towards e-book use. Surprisingly, gender differences did not moderate...
Social Behavior and Personality: an international journal, 2017
Using an integrated conceptual model that incorporated the theories of unified theory acceptance ... more Using an integrated conceptual model that incorporated the theories of unified theory acceptance and use of technology, social cognition, and institution-based trust, in the context of mobile banking (m-banking) use, I investigated the moderating effect of use experience on the relationships among the factors of acceptance (performance expectancy, effort expectancy, self-efficacy, and structural assurance) and behavioral intention to use m-banking. Data for empirical testing of the model were obtained through a survey of 401 retail-banking customers in South Africa. Although the proposed model was supported by the data, the moderating effects of use experience on the factors of behavioral intention were nonsignificant, except in the relationship between structural assurance and behavioral intention. The implications of these findings for efforts aimed at accelerating the acceptance of m-banking services are discussed.
Cyberpsychology, Behavior, and Social Networking, 2017
The book publishing industry is going through radical transformations that are driven by recent d... more The book publishing industry is going through radical transformations that are driven by recent developments in information systems (IS). E-books are merely one of these developments. Notwithstanding the projections in the growth of e-book use, producers of these products contend with the issue of building user retention and loyalty through continued use. Extending the technology acceptance model (TAM), this study examined the impact of factors of perceived usefulness, perceived ease of use, social influence, and facilitating conditions on e-book continuance intention among users. The subjects of this study were 317 students from five higher institutions of learning in South Africa. Empirical testing of the research model was carried out using structural equation modeling. The results indicate that 42 percent of the variance in e-book users' continuance intention is explained by perceived usefulness, perceived ease of use, and social influence. Interestingly, facilitating conditions have an influence, although indirectly, through perceived usefulness, perceived ease of use, and social influence. The study not only contributes to the existing IS literature by extending the TAM to explain continuance intention in the e-book IS domain in a developing country but also makes recommendations to practitioners who attempt to foster continuous use of this technology.
International Journal of Information Management, 2016
The paper examines the key drivers of mobile marketing adoption intention.A multi-perspective fra... more The paper examines the key drivers of mobile marketing adoption intention.A multi-perspective framework rooted in TOE framework was developed and tested.Data was randomly sourced from 205 small-medium-sized enterprises in South Africa.Data was analysed using structural equation modelling.The framework possesses substantial explanatory power to explain adoption intention.Among the important drivers of intention perceived top management support was the strongest. This paper examines the key drivers of mobile marketing adoption intention by South African SMEs using a multi-perspective framework that combines elements in the technological, organisational and environmental contexts of the enterprises. Data was collected from a random sample of 205 SMEs from Gauteng, South Africa. Structural equation modelling was used to analyse the data. The results identified perceived relative advantage, perceived cost, top management support, employees' IT capability, and customer pressure as important drivers of mobile marketing adoption intention. Of these factors, top management support emerged as the strongest driver of adoption intention. The implications of these findings for mobile marketers and others interested in accelerating the adoption of mobile marketing among SMEs are highlighted.
Although an initial acceptance of mobile banking (m-banking) services among retail banking custom... more Although an initial acceptance of mobile banking (m-banking) services among retail banking customers is necessary, retaining the current users of this banking innovation is fundamental to recovering the investment made in deploying it. This study has developed and tested a model that ascertained the impact of selected factors (trust in banks offering m-banking services, self-efficacy, and quality of mobile network connectivity) on the intention among retailing banking customers to continue using m-banking. Data for the empirical testing of the research model was obtained from 266 current users of the m-banking services of the major retail banks in South Africa. The results of the analysis indicate that trust in banks offering m-banking services, self-efficacy, and quality of mobile network connectivity have significant and direct effects on this intention. The managerial implications of these findings for efforts aimed at fostering the continued use of m-banking services are presented.
This study analysed South African manufacturing SMEs' receptivity to the adoption of mobile marke... more This study analysed South African manufacturing SMEs' receptivity to the adoption of mobile marketing, based on the characteristics of the technology. A conceptual model that examines the effect of perceived relative advantage, perceived complexity, and perceived cost on non-adopting manufacturing SMEs' intention to adopt mobile marketing was proposed and empirically tested with data randomly sourced from SMEs in the South African manufacturing sector. The results of the analysis show that the proposed model provides a reasonably good explanation of SMEs' intention to adopt mobile marketing. The results further identify perceived relative advantage and perceived cost as significant factors influencing SMEs' receptivity to the adoption of mobile marketing.
Electronic books (e-books) have emerged out of recent technological developments that are aimed a... more Electronic books (e-books) have emerged out of recent technological developments that are aimed at making it easier for consumers to access reading material. However, e-book producers face an uphill task in garnering rapid acceptance of this technology owing to user apathy. This study sought to understand the factors that influence non-users' behavioural intention to use e-books. A proposed conceptual model which posited direct effects of performance expectancy, effort expectancy, social influence and facilitating conditions on non-users' behavioural intention to use e-books was empirically tested with data obtained from 171 non-users of e-books in South Africa. A structural equation modelling technique using Smart PLS was used to analyse the data. The results of study identified performance expectancy, social influence and facilitating conditions as critical factors affecting non-users' behavioural intention to use e-books. Surprisingly, effort expectancy was insignificant. The implications of this findings on strategies aimed at reducing non-users' resistance towards e-book acceptance are highlighted.
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Papers by Daniel Maduku