{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,6,20]],"date-time":"2026-06-20T17:57:25Z","timestamp":1781978245129,"version":"3.54.5"},"reference-count":115,"publisher":"Emerald","issue":"1","license":[{"start":{"date-parts":[[2022,5,27]],"date-time":"2022-05-27T00:00:00Z","timestamp":1653609600000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/www.emerald.com\/insight\/site-policies"}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":["JEIM"],"published-print":{"date-parts":[[2023,1,27]]},"abstract":"<jats:sec><jats:title content-type=\"abstract-subheading\">Purpose<\/jats:title><jats:p>This study's purpose is to propose an integrated post-adoption model based on expectation-confirmation model (ECM) and cognitive absorption (CA) theory to examine whether network factors, gamification factor, and quality factors as antecedents to end-users' beliefs can affect their continuance intention of the robo-advisor.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Design\/methodology\/approach<\/jats:title><jats:p>A total of 600 questionnaires were distributed in three sample banks in Taiwan, and sample data for this study were collected from these three banks' customers who had experience in using these banks' own robo-advisor to make their investment decisions. Consequently, 381 useable questionnaires were analyzed using structural equation modeling in this study, with a useable response rate of 63.5%.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Findings<\/jats:title><jats:p>This study proposes a solid research model that based on ECM and CA theory, three types of factors, network factors, gamification factor, and quality factors, as antecedents to end-users\u2019 continuance intention of the robo-advisor have been examined, and this study's results strongly support the research model with all hypothesized links being significant.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Originality\/value<\/jats:title><jats:p>This study contributes to end-users' continuance intention of the robo-advisor based on ECM, CA theory, theory of network externalities, gamification, and updated DeLone and McLean IS success model, and reveals deep insights into the evaluation of determinants in the field of end-users' continuance intention of the robo-advisor. Hence, it is especially worth mentioning that three types of determinants (i.e. network factors, gamification factor, and quality factors) are simultaneously evaluated, and extrinsic and intrinsic motivators are both taken into account in this study's research model development of end-users' continuance intention of the robo-advisor to acquire a more all-round and robust analysis.<\/jats:p><\/jats:sec>","DOI":"10.1108\/jeim-07-2020-0277","type":"journal-article","created":{"date-parts":[[2022,5,26]],"date-time":"2022-05-26T11:52:18Z","timestamp":1653565938000},"page":"91-122","source":"Crossref","is-referenced-by-count":33,"title":["How can robo-advisors retain end-users? Identifying the formation of an integrated post-adoption model"],"prefix":"10.1108","volume":"36","author":[{"ORCID":"https:\/\/orcid.org\/0000-0002-5128-5224","authenticated-orcid":false,"given":"Yung-Ming","family":"Cheng","sequence":"first","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]}],"member":"140","published-online":{"date-parts":[[2022,5,27]]},"reference":[{"issue":"4","key":"key2023012717424817200_ref001","doi-asserted-by":"crossref","first-page":"665","DOI":"10.2307\/3250951","article-title":"Time flies when you're having fun: cognitive absorption and beliefs about information technology usage","volume":"24","year":"2000","journal-title":"MIS Quarterly"},{"key":"key2023012717424817200_ref002","first-page":"293","article-title":"Cognitive absorption and the adoption of new information technologies","volume-title":"Academy of Management Best Paper Proceedings","year":"1997"},{"issue":"3","key":"key2023012717424817200_ref003","doi-asserted-by":"crossref","first-page":"263","DOI":"10.1016\/j.im.2006.12.008","article-title":"The impact of web quality and playfulness on user acceptance of online retailing","volume":"44","year":"2007","journal-title":"Information and Management"},{"issue":"August","key":"key2023012717424817200_ref004","article-title":"Accepting financial transactions using blockchain technology and cryptocurrency: a customer perspective approach","volume":"62","year":"2020","journal-title":"Technology in Society"},{"issue":"August","key":"key2023012717424817200_ref005","article-title":"Digital payment and banking adoption research in Gulf countries: a systematic literature review","volume":"53","year":"2020","journal-title":"International Journal of Information Management"},{"issue":"3","key":"key2023012717424817200_ref006","doi-asserted-by":"crossref","first-page":"411","DOI":"10.1037\/0033-2909.103.3.411","article-title":"Structural equation modeling in practice: a review and recommended two-step approach","volume":"103","year":"1988","journal-title":"Psychological Bulletin"},{"issue":"3","key":"key2023012717424817200_ref007","doi-asserted-by":"crossref","first-page":"396","DOI":"10.1177\/002224377701400320","article-title":"Estimating non-response bias in mail surveys","volume":"14","year":"1977","journal-title":"Journal of Marketing Research"},{"issue":"1","key":"key2023012717424817200_ref008","doi-asserted-by":"crossref","first-page":"74","DOI":"10.1007\/BF02723327","article-title":"On the evaluation of structural equation models","volume":"16","year":"1988","journal-title":"Journal of the Academy of Marketing Science"},{"issue":"October","key":"key2023012717424817200_ref009","first-page":"480","article-title":"A weight and a meta-analysis on mobile banking acceptance research","volume":"63","year":"2016","journal-title":"Computers in Human Behavior"},{"issue":"1","key":"key2023012717424817200_ref010","doi-asserted-by":"crossref","first-page":"118","DOI":"10.1108\/IntR-10-2015-0295","article-title":"Why so serious? gamification impact in the acceptance of mobile banking services","volume":"27","year":"2017","journal-title":"Internet Research"},{"issue":"7","key":"key2023012717424817200_ref011","doi-asserted-by":"crossref","first-page":"1411","DOI":"10.1108\/IMDS-08-2018-0368","article-title":"Artificial Intelligence in FinTech: understanding robo-advisors adoption among customers","volume":"119","year":"2019","journal-title":"Industrial Management and Data Systems"},{"issue":"March","key":"key2023012717424817200_ref012","article-title":"Robo advisory and its potential in addressing the behavioral biases of investors \u2013 a qualitative study in Indian context","volume":"25","year":"2020","journal-title":"Journal of Behavioral and Experimental Finance"},{"issue":"3","key":"key2023012717424817200_ref013","doi-asserted-by":"crossref","first-page":"351","DOI":"10.2307\/3250921","article-title":"Understanding information systems continuance: an expectation\u2013confirmation model","volume":"25","year":"2001","journal-title":"MIS Quarterly"},{"issue":"March","key":"key2023012717424817200_ref014","article-title":"Robo-advisors: a substitute for human financial advice?","volume":"25","year":"2020","journal-title":"Journal of Behavioral and Experimental Finance"},{"issue":"1","key":"key2023012717424817200_ref015","doi-asserted-by":"crossref","first-page":"73","DOI":"10.1016\/j.nedt.2012.02.005","article-title":"Exploring the roles of interaction and flow in explaining nurses' e-learning acceptance","volume":"33","year":"2013","journal-title":"Nurse Education Today"},{"issue":"3","key":"key2023012717424817200_ref016","doi-asserted-by":"crossref","first-page":"230","DOI":"10.1108\/ITP-01-2013-0024","article-title":"Extending the expectation-confirmation model with quality and flow to explore nurses' continued blended e-learning intention","volume":"27","year":"2014","journal-title":"Information Technology and People"},{"issue":"4","key":"key2023012717424817200_ref017","first-page":"203","article-title":"What drives nurses' blended e-learning continuance intention?","volume":"17","year":"2014","journal-title":"Educational Technology and Society"},{"issue":"6","key":"key2023012717424817200_ref018","doi-asserted-by":"crossref","first-page":"640","DOI":"10.1108\/AJIM-05-2013-0042","article-title":"Why do users intend to continue using the digital library? An integrated perspective","volume":"66","year":"2014","journal-title":"Aslib Journal of Information Management"},{"issue":"5","key":"key2023012717424817200_ref019","doi-asserted-by":"crossref","first-page":"724","DOI":"10.1108\/JEIM-02-2018-0043","article-title":"What drives cloud ERP continuance? an integrated view","volume":"31","year":"2018","journal-title":"Journal of Enterprise Information Management"},{"issue":"4","key":"key2023012717424817200_ref020","doi-asserted-by":"crossref","first-page":"480","DOI":"10.1108\/ET-09-2018-0203","article-title":"How does task-technology fit influence cloud-based e-learning continuance and impact?","volume":"61","year":"2019","journal-title":"Education + Training"},{"issue":"2","key":"key2023012717424817200_ref021","doi-asserted-by":"crossref","first-page":"215","DOI":"10.1108\/IJWIS-07-2018-0056","article-title":"A hybrid model for exploring the antecedents of cloud ERP continuance: roles of quality determinants and task-technology fit","volume":"15","year":"2019","journal-title":"International Journal of Web Information Systems"},{"issue":"3","key":"key2023012717424817200_ref022","doi-asserted-by":"crossref","first-page":"654","DOI":"10.1108\/JEIM-04-2019-0107","article-title":"Quality antecedents and performance outcome of cloud-based hospital information system continuance intention","volume":"33","year":"2020","journal-title":"Journal of Enterprise Information Management"},{"issue":"2","key":"key2023012717424817200_ref023","doi-asserted-by":"crossref","first-page":"413","DOI":"10.1108\/K-09-2019-0628","article-title":"Drivers of physicians' satisfaction and continuance intention toward the cloud-based hospital information system","volume":"50","year":"2021","journal-title":"Kybernetes"},{"issue":"4","key":"key2023012717424817200_ref024","doi-asserted-by":"crossref","first-page":"1169","DOI":"10.1108\/JEIM-12-2019-0401","article-title":"Investigating medical professionals' continuance intention of the cloud-based e-learning system: an extension of expectation\u2013confirmation model with flow theory","volume":"34","year":"2021","journal-title":"Journal of Enterprise Information Management"},{"issue":"September","key":"key2023012717424817200_ref025","first-page":"274","article-title":"Understanding Chinese consumer adoption of apparel mobile commerce: an extended TAM approach","volume":"44","year":"2018","journal-title":"Journal of Retailing and Consumer Services"},{"issue":"3","key":"key2023012717424817200_ref026","doi-asserted-by":"crossref","first-page":"223","DOI":"10.1016\/j.ijhcs.2006.10.002","article-title":"ERP training with a web-based electronic learning system: the flow theory perspective","volume":"65","year":"2007","journal-title":"International Journal of Human-Computer Studies"},{"issue":"February","key":"key2023012717424817200_ref027","article-title":"Acceptability of mobile stock trading application: a study of young investors in Malaysia","volume":"64","year":"2021","journal-title":"Technology in Society"},{"issue":"1","key":"key2023012717424817200_ref028","doi-asserted-by":"crossref","first-page":"64","DOI":"10.1177\/002224377901600110","article-title":"A paradigm for developing better measures of marketing constructs","volume":"16","year":"1979","journal-title":"Journal of Marketing Research"},{"issue":"3","key":"key2023012717424817200_ref029","doi-asserted-by":"crossref","first-page":"297","DOI":"10.1007\/BF02310555","article-title":"Coefficient alpha and the internal structure of tests","volume":"16","year":"1951","journal-title":"Psychometrika"},{"key":"key2023012717424817200_ref030","unstructured":"Cronbach, L.J. (1971), \u201cTest validation\u201d, in Thorndike, R.L. (Ed.), Educational Measurement, 2nd ed., American Council on Education, Washington, DC, pp. 443-507."},{"key":"key2023012717424817200_ref031","volume-title":"Flow: The Psychology of Optimal Experience","year":"1990"},{"issue":"3","key":"key2023012717424817200_ref032","doi-asserted-by":"crossref","first-page":"319","DOI":"10.2307\/249008","article-title":"Perceived usefulness, perceived ease of use, and user acceptance of information technology","volume":"13","year":"1989","journal-title":"MIS Quarterly"},{"issue":"4","key":"key2023012717424817200_ref033","doi-asserted-by":"crossref","first-page":"9","DOI":"10.1080\/07421222.2003.11045748","article-title":"The DeLone and McLean model of information systems success: a ten-year update","volume":"19","year":"2003","journal-title":"Journal of Management Information Systems"},{"key":"key2023012717424817200_ref034","doi-asserted-by":"publisher","first-page":"9","DOI":"10.1145\/2181037.2181040","article-title":"From game design elements to gamefulness: defining gamification","volume-title":"Proceedings of the 15th International Academic MindTrek Conference: Envisioning Future Media Environments","year":"2011"},{"issue":"5","key":"key2023012717424817200_ref035","doi-asserted-by":"crossref","first-page":"455","DOI":"10.1080\/0260293022000009320","article-title":"Attitudes of business faculty towards two methods of collecting teaching evaluations: paper vs. online","volume":"27","year":"2002","journal-title":"Assessment and Evaluation in Higher Education"},{"issue":"4","key":"key2023012717424817200_ref036","doi-asserted-by":"crossref","first-page":"592","DOI":"10.1108\/MIP-01-2014-0006","article-title":"Network externalities and the perception of innovation characteristics: mobile banking","volume":"33","year":"2015","journal-title":"Marketing Intelligence and Planning"},{"issue":"2","key":"key2023012717424817200_ref037","doi-asserted-by":"crossref","first-page":"179","DOI":"10.1111\/j.1745-3984.2008.00059.x","article-title":"A comparison of tests for equality of two or more independent alpha coefficients","volume":"45","year":"2008","journal-title":"Journal of Educational Measurement"},{"key":"key2023012717424817200_ref038","doi-asserted-by":"publisher","article-title":"Research on the influence mechanism of gamification elements on users' willingness to continue using in Interest-based virtual communities-- Based on ECM-ISC model","year":"2019","DOI":"10.1109\/ICSSSM.2019.8887645"},{"issue":"1","key":"key2023012717424817200_ref039","doi-asserted-by":"crossref","first-page":"39","DOI":"10.1177\/002224378101800104","article-title":"Evaluating structural equation models with unobservable and measurement error","volume":"18","year":"1981","journal-title":"Journal of Marketing Research"},{"issue":"6","key":"key2023012717424817200_ref040","doi-asserted-by":"crossref","first-page":"1015","DOI":"10.1108\/JEIM-10-2018-0237","article-title":"Understanding the determinants of mobile banking continuance usage intention","volume":"32","year":"2019","journal-title":"Journal of Enterprise Information Management"},{"issue":"2","key":"key2023012717424817200_ref041","doi-asserted-by":"crossref","first-page":"168","DOI":"10.1108\/APJML-07-2013-0086","article-title":"An empirical study on continuance intention of mobile social networking services: integrating the IS success model, network externalities and flow theory","volume":"26","year":"2014","journal-title":"Asia Pacific Journal of Marketing and Logistics"},{"issue":"December","key":"key2023012717424817200_ref042","first-page":"249","article-title":"Understanding consumers' continuance intention towards mobile purchase: a theoretical framework and empirical study \u2013 a case of China","volume":"53","year":"2015","journal-title":"Computers in Human Behavior"},{"issue":"5","key":"key2023012717424817200_ref043","doi-asserted-by":"crossref","first-page":"197","DOI":"10.1016\/j.im.2013.01.003","article-title":"How cues of what can be done in a virtual world influence learning: an affordance perspective","volume":"50","year":"2013","journal-title":"Information and Management"},{"issue":"Part B","key":"key2023012717424817200_ref044","first-page":"750","article-title":"Key success factors for the launch of government social media platform: identifying the formation mechanism of continuance intention","volume":"55","year":"2016","journal-title":"Computers in Human Behavior"},{"issue":"June","key":"key2023012717424817200_ref045","first-page":"185","article-title":"Information system end-user satisfaction and continuance intention: a unified modeling approach","volume":"61","year":"2016","journal-title":"Journal of Biomedical Informatics"},{"key":"key2023012717424817200_ref046","volume-title":"Multivariate Data Analysis with Readings","year":"1998","edition":"5th ed."},{"issue":"4","key":"key2023012717424817200_ref047","doi-asserted-by":"crossref","first-page":"419","DOI":"10.1016\/j.ijinfomgt.2015.04.006","article-title":"Why do people use gamification services?","volume":"35","year":"2015","journal-title":"International Journal of Information Management"},{"issue":"1","key":"key2023012717424817200_ref048","doi-asserted-by":"crossref","first-page":"14","DOI":"10.69864\/ijbsam.5-1.48","article-title":"Game design as marketing: how game mechanics create demand for virtual goods","volume":"5","year":"2010","journal-title":"International Journal of Business Science and Applied Management"},{"issue":"3","key":"key2023012717424817200_ref049","doi-asserted-by":"crossref","first-page":"492","DOI":"10.1016\/j.tele.2013.04.003","article-title":"A systematic review of Internet banking adoption","volume":"31","year":"2014","journal-title":"Telematics and Informatics"},{"key":"key2023012717424817200_ref050","volume-title":"Modern Factor Analysis","year":"1976"},{"issue":"March","key":"key2023012717424817200_ref051","article-title":"Does country culture influence consumers' perceptions toward mobile banking? A comparison between Egypt and the United States","volume":"46","year":"2020","journal-title":"Telematics and Informatics"},{"issue":"4","key":"key2023012717424817200_ref052","doi-asserted-by":"crossref","first-page":"376","DOI":"10.1108\/17465261211272148","article-title":"Influence of strategic approach to BPM on financial and non-financial performance","volume":"7","year":"2012","journal-title":"Baltic Journal of Management"},{"key":"key2023012717424817200_ref053","volume-title":"Introduction to Structural Equation Modeling Using LISREL","year":"2001"},{"issue":"7","key":"key2023012717424817200_ref054","doi-asserted-by":"crossref","first-page":"853","DOI":"10.1016\/j.im.2003.08.014","article-title":"Why do people play on-line games? An extended TAM with social influences and flow experience","volume":"41","year":"2004","journal-title":"Information and Management"},{"issue":"6","key":"key2023012717424817200_ref055","doi-asserted-by":"crossref","first-page":"1423","DOI":"10.1108\/ITP-08-2017-0271","article-title":"To stay or not to stay? Discontinuance intention of gamification apps","volume":"32","year":"2019","journal-title":"Information Technology and People"},{"issue":"2","key":"key2023012717424817200_ref056","doi-asserted-by":"crossref","first-page":"646","DOI":"10.1108\/IJBM-03-2018-0072","article-title":"An integrated framework for the adoption and continuance intention to use mobile payment apps","volume":"37","year":"2019","journal-title":"International Journal of Bank Marketing"},{"issue":"1","key":"key2023012717424817200_ref057","doi-asserted-by":"crossref","first-page":"81","DOI":"10.1007\/s12599-018-0521-9","article-title":"Robo-advisory","volume":"60","year":"2018","journal-title":"Business and Information Systems Engineering"},{"issue":"3","key":"key2023012717424817200_ref058","first-page":"424","article-title":"Network externalities, competition, and compatibility","volume":"75","year":"1985","journal-title":"American Economic Review"},{"issue":"4","key":"key2023012717424817200_ref059","doi-asserted-by":"crossref","first-page":"822","DOI":"10.1086\/261409","article-title":"Technology adoption in the presence of network externalities","volume":"94","year":"1986","journal-title":"Journal of Political Economy"},{"issue":"3","key":"key2023012717424817200_ref060","doi-asserted-by":"crossref","first-page":"500","DOI":"10.1016\/j.tourman.2007.05.016","article-title":"An empirical examination of the acceptance behaviour of hotel front office systems: an extended technology acceptance model","volume":"29","year":"2008","journal-title":"Tourism Management"},{"key":"key2023012717424817200_ref061","volume-title":"Principles and Practice of Structural Equation Modeling","year":"2005","edition":"2nd ed."},{"issue":"December","key":"key2023012717424817200_ref062","first-page":"36","article-title":"Readability of financial advisor disclosures","volume":"44","year":"2017","journal-title":"Journal of Empirical Finance"},{"issue":"5","key":"key2023012717424817200_ref063","doi-asserted-by":"crossref","first-page":"517","DOI":"10.1108\/14684520610706406","article-title":"An empirical investigation into factors influencing the adoption of an e-learning system","volume":"30","year":"2006","journal-title":"Online Information Review"},{"issue":"4","key":"key2023012717424817200_ref064","doi-asserted-by":"crossref","first-page":"277","DOI":"10.1016\/j.iheduc.2010.08.002","article-title":"Online support service quality, online learning acceptance, and student satisfaction","volume":"13","year":"2010","journal-title":"The Internet and Higher Education"},{"issue":"2","key":"key2023012717424817200_ref065","doi-asserted-by":"crossref","first-page":"506","DOI":"10.1016\/j.compedu.2009.09.002","article-title":"Explaining and predicting users' continuance intention toward e-learning: an extension of the expectation\u2013confirmation model","volume":"54","year":"2010","journal-title":"Computers and Education"},{"issue":"May","key":"key2023012717424817200_ref066","first-page":"7","article-title":"A study on the reciprocal relationship between user perception and retailer perception on platform-based mobile payment service","volume":"48","year":"2019","journal-title":"Journal of Retailing and Consumer Services"},{"issue":"1","key":"key2023012717424817200_ref067","doi-asserted-by":"crossref","first-page":"5","DOI":"10.1080\/01587919.2011.565495","article-title":"Role of social presence and cognitive absorption in online learning environments","volume":"32","year":"2011","journal-title":"Distance Education"},{"issue":"2","key":"key2023012717424817200_ref068","doi-asserted-by":"crossref","first-page":"195","DOI":"10.1016\/j.csi.2012.07.003","article-title":"Determining the relative importance of mobile banking quality factors","volume":"35","year":"2013","journal-title":"Computer Standards and Interfaces"},{"issue":"1","key":"key2023012717424817200_ref069","doi-asserted-by":"crossref","first-page":"85","DOI":"10.2753\/JEC1086-4415130103","article-title":"Elucidating individual intention to use interactive information technologies: the role of network externalities","volume":"13","year":"2008","journal-title":"International Journal of Electronic Commerce"},{"issue":"3","key":"key2023012717424817200_ref070","doi-asserted-by":"crossref","first-page":"1152","DOI":"10.1016\/j.chb.2010.12.009","article-title":"Why people use social networking sites: an empirical study integrating network externalities and motivation theory","volume":"27","year":"2011","journal-title":"Computers in Human Behavior"},{"issue":"5","key":"key2023012717424817200_ref071","doi-asserted-by":"crossref","first-page":"683","DOI":"10.1016\/j.im.2004.04.003","article-title":"Integrating perceived playfulness into expectation-confirmation model for web portal context","volume":"42","year":"2005","journal-title":"Information and Management"},{"issue":"6","key":"key2023012717424817200_ref072","doi-asserted-by":"crossref","first-page":"844","DOI":"10.1108\/02640471011093534","article-title":"Recommendation sources on the intention to use e-books in academic digital libraries","volume":"28","year":"2010","journal-title":"The Electronic Library"},{"issue":"1","key":"key2023012717424817200_ref073","doi-asserted-by":"crossref","first-page":"37","DOI":"10.1007\/s10799-013-0172-y","article-title":"Understanding the evolution of consumer trust in mobile commerce: a longitudinal study","volume":"15","year":"2014","journal-title":"Information Technology and Management"},{"issue":"November","key":"key2023012717424817200_ref074","first-page":"76","article-title":"Continued use of an interactive computer game-based visual perception learning system in children with developmental delay","volume":"107","year":"2017","journal-title":"International Journal of Medical Informatics"},{"issue":"February","key":"key2023012717424817200_ref075","first-page":"107","article-title":"Whose algorithm says so: the relationships between type of firm, perceptions of trust and expertise, and the acceptance of financial robo-advice","volume":"49","year":"2020","journal-title":"Journal of Interactive Marketing"},{"issue":"December","key":"key2023012717424817200_ref076","first-page":"439","article-title":"Uncovering unobserved heterogeneity bias: measuring mobile banking system success","volume":"49","year":"2019","journal-title":"International Journal of Information Management"},{"issue":"4","key":"key2023012717424817200_ref077","doi-asserted-by":"crossref","first-page":"412","DOI":"10.1287\/mksc.13.4.412","article-title":"Adoption, transfers, and incentives in a franchise network with positive externalities","volume":"13","year":"1994","journal-title":"Marketing Science"},{"issue":"3","key":"key2023012717424817200_ref078","doi-asserted-by":"crossref","first-page":"301","DOI":"10.1080\/02602930701293231","article-title":"The adequacy of response rates to online and paper surveys: what can be done?","volume":"33","year":"2008","journal-title":"Assessment and Evaluation in Higher Education"},{"key":"key2023012717424817200_ref079","volume-title":"Psychometric Theory","year":"1978","edition":"2nd ed."},{"issue":"April","key":"key2023012717424817200_ref080","article-title":"User acceptance of smart wearable devices: an expectation-confirmation model approach","volume":"47","year":"2020","journal-title":"Telematics and Informatics"},{"key":"key2023012717424817200_ref081","first-page":"104","article-title":"Robo advisors for portfolio management","volume":"141","year":"2016","journal-title":"Advanced Science and Technology Letters"},{"issue":"2","key":"key2023012717424817200_ref082","doi-asserted-by":"crossref","first-page":"222","DOI":"10.1016\/j.compedu.2004.10.007","article-title":"The influence of system characteristics on e-learning use","volume":"47","year":"2006","journal-title":"Computers and Education"},{"issue":"5","key":"key2023012717424817200_ref083","doi-asserted-by":"crossref","first-page":"879","DOI":"10.1037\/0021-9010.88.5.879","article-title":"Common method biases in behavioral research: a critical review of the literature and recommended remedies","volume":"88","year":"2003","journal-title":"Journal of Applied Psychology"},{"issue":"4","key":"key2023012717424817200_ref084","doi-asserted-by":"crossref","first-page":"338","DOI":"10.1108\/WJSTSD-05-2018-0040","article-title":"The role of UTAUT, DOI, perceived technology security and game elements in internet banking adoption","volume":"15","year":"2018","journal-title":"World Journal of Science, Technology and Sustainable Development"},{"issue":"August","key":"key2023012717424817200_ref085","article-title":"Integration of unified theory of acceptance and use of technology in internet banking adoption setting: evidence from Pakistan","volume":"58","year":"2019","journal-title":"Technology in Society"},{"key":"key2023012717424817200_ref086","volume-title":"Global Robo-Advisory Market (2015-2023)","author":"Research and Markets","year":"2018"},{"issue":"March","key":"key2023012717424817200_ref087","first-page":"335","article-title":"Are your users actively involved? A cognitive absorption perspective in mobile training","volume":"44","year":"2015","journal-title":"Computers in Human Behavior"},{"issue":"September","key":"key2023012717424817200_ref088","first-page":"520","article-title":"Mobile collaborative learning: the role of individual learning in groups through text and video content delivery in tablets","volume":"50","year":"2015","journal-title":"Computers in Human Behavior"},{"issue":"8","key":"key2023012717424817200_ref089","doi-asserted-by":"crossref","first-page":"683","DOI":"10.1016\/j.ijhcs.2006.01.003","article-title":"Understanding e-learning continuance intention: an extension of the technology acceptance model","volume":"64","year":"2006","journal-title":"International Journal of Human-Computer Studies"},{"key":"key2023012717424817200_ref114","doi-asserted-by":"crossref","first-page":"163","DOI":"10.1016\/j.chb.2017.04.034","article-title":"How does the web game design influence the behavior of e-banking users?","volume":"74","year":"2017","journal-title":"Computers in Human Behavior"},{"issue":"August","key":"key2023012717424817200_ref090","first-page":"114","article-title":"Does ease-of-use contributes to the perception of enjoyment? A case of gamification in e-banking","volume":"61","year":"2016","journal-title":"Computers in Human Behavior"},{"issue":"October","key":"key2023012717424817200_ref091","first-page":"392","article-title":"Playing seriously \u2013 how gamification and social cues influence bank customers to use gamified e-business applications","volume":"63","year":"2016","journal-title":"Computers in Human Behavior"},{"key":"key2023012717424817200_ref115","doi-asserted-by":"crossref","first-page":"392","DOI":"10.1016\/j.chb.2016.05.063","article-title":"Playing seriously - How gamification and social cues influence bank customers to use gamified e-business applications","volume":"63","year":"2016","journal-title":"Computers in Human Behavior"},{"issue":"2","key":"key2023012717424817200_ref092","doi-asserted-by":"crossref","first-page":"317","DOI":"10.1016\/j.im.2003.12.013","article-title":"The impact of cognitive absorption on perceived usefulness and perceived ease of use in on-line learning: an extension of the technology acceptance model","volume":"42","year":"2005","journal-title":"Information and Management"},{"issue":"2","key":"key2023012717424817200_ref093","doi-asserted-by":"crossref","first-page":"504","DOI":"10.2307\/256690","article-title":"Corporate support in the aftermath of a natural disaster: effects on employee strains","volume":"38","year":"1995","journal-title":"Academy of Management Journal"},{"issue":"1","key":"key2023012717424817200_ref094","doi-asserted-by":"crossref","first-page":"129","DOI":"10.1016\/j.tele.2014.05.003","article-title":"Mobile banking adoption: a literature review","volume":"32","year":"2015","journal-title":"Telematics and Informatics"},{"issue":"February","key":"key2023012717424817200_ref095","first-page":"65","article-title":"Examining the role of trust and quality dimensions in the actual usage of mobile banking services: an empirical investigation","volume":"44","year":"2019","journal-title":"International Journal of Information Management"},{"key":"key2023012717424817200_ref096","volume-title":"FinTech Innovation: From Robo-Advisors to Goal Based Investing and Gamification","year":"2016"},{"issue":"4","key":"key2023012717424817200_ref097","doi-asserted-by":"crossref","first-page":"1177","DOI":"10.1016\/j.compedu.2009.06.001","article-title":"The role of self-determination theory in explaining teachers' motivation to continue to use e-learning technology","volume":"53","year":"2009","journal-title":"Computers and Education"},{"issue":"3","key":"key2023012717424817200_ref098","doi-asserted-by":"crossref","first-page":"508","DOI":"10.1108\/IMDS-05-2015-0195","article-title":"Determinants of continuance intention to use the smartphone banking services: an extension to the expectation-confirmation model","volume":"116","year":"2016","journal-title":"Industrial Management and Data Systems"},{"issue":"August","key":"key2023012717424817200_ref099","first-page":"233","article-title":"Understanding the impact of m-banking on individual performance: DeLone & McLean and TTF perspective","volume":"61","year":"2016","journal-title":"Computers in Human Behavior"},{"key":"key2023012717424817200_ref100","volume-title":"Brief Manual for the Multidimensional Personality Questionnaire","year":"1982"},{"issue":"3","key":"key2023012717424817200_ref101","doi-asserted-by":"crossref","first-page":"268","DOI":"10.1037\/h0036681","article-title":"Openness to absorbing and self-altering experiences (\u2018absorption\u2019), a trait related to hypnotic susceptibility","volume":"83","year":"1974","journal-title":"Journal of Abnormal Psychology"},{"issue":"2","key":"key2023012717424817200_ref102","doi-asserted-by":"crossref","first-page":"311","DOI":"10.1108\/IMDS-08-2014-0231","article-title":"The effects of convenience and speed in m-payment","volume":"115","year":"2015","journal-title":"Industrial Management and Data Systems"},{"issue":"9","key":"key2023012717424817200_ref103","doi-asserted-by":"crossref","first-page":"799","DOI":"10.1016\/j.ijhcs.2006.05.001","article-title":"The effects of post-adoption beliefs on the expectation-confirmation model for information technology continuance","volume":"64","year":"2006","journal-title":"International Journal of Human-Computer Studies"},{"issue":"1","key":"key2023012717424817200_ref104","doi-asserted-by":"crossref","first-page":"38","DOI":"10.1108\/IntR-05-2014-0143","article-title":"Analyzing user perspective on the factors affecting use intention of mobile based transfer payment","volume":"26","year":"2016","journal-title":"Internet Research"},{"issue":"2","key":"key2023012717424817200_ref105","doi-asserted-by":"crossref","first-page":"63","DOI":"10.1145\/264701.264706","article-title":"Audience engagement in multi-media presentation","volume":"28","year":"1997","journal-title":"Data Base for the Advances in Information Systems"},{"issue":"November","key":"key2023012717424817200_ref106","first-page":"219","article-title":"User continuance intention to use cloud storage service","volume":"52","year":"2015","journal-title":"Computers in Human Behavior"},{"issue":"May-June","key":"key2023012717424817200_ref107","article-title":"Determining the antecedents of mobile payment loyalty: cognitive and affective perspectives","volume":"41","year":"2020","journal-title":"Electronic Commerce Research and Applications"},{"issue":"April","key":"key2023012717424817200_ref108","first-page":"284","article-title":"How WeChat can retain users: roles of network externalities, social interaction ties, and perceived values in building continuance intention","volume":"69","year":"2017","journal-title":"Computers in Human Behavior"},{"issue":"4","key":"key2023012717424817200_ref109","doi-asserted-by":"crossref","first-page":"825","DOI":"10.1016\/j.dss.2012.05.019","article-title":"Enhancing perceived interactivity through network externalities: an empirical study on micro-blogging service satisfaction and continuance intention","volume":"53","year":"2012","journal-title":"Decision Support Systems"},{"issue":"5","key":"key2023012717424817200_ref110","doi-asserted-by":"crossref","first-page":"527","DOI":"10.1108\/10662241111176353","article-title":"An empirical examination of initial trust in mobile banking","volume":"21","year":"2011","journal-title":"Internet Research"},{"issue":"2","key":"key2023012717424817200_ref111","doi-asserted-by":"crossref","first-page":"1085","DOI":"10.1016\/j.dss.2012.10.034","article-title":"An empirical examination of continuance intention of mobile payment services","volume":"54","year":"2013","journal-title":"Decision Support Systems"},{"issue":"3","key":"key2023012717424817200_ref112","doi-asserted-by":"crossref","first-page":"289","DOI":"10.1108\/PROG-10-2014-0078","article-title":"The effect of network externality on mobile social network site continuance","volume":"49","year":"2015","journal-title":"Program: Electronic Library and Information Systems"},{"issue":"2","key":"key2023012717424817200_ref113","doi-asserted-by":"crossref","first-page":"883","DOI":"10.1016\/j.chb.2010.11.013","article-title":"Examining mobile instant messaging user loyalty from the perspectives of network externalities and flow experience","volume":"27","year":"2011","journal-title":"Computers in Human Behavior"}],"container-title":["Journal of Enterprise Information Management"],"original-title":[],"language":"en","link":[{"URL":"https:\/\/www.emerald.com\/insight\/content\/doi\/10.1108\/JEIM-07-2020-0277\/full\/xml","content-type":"application\/xml","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/www.emerald.com\/insight\/content\/doi\/10.1108\/JEIM-07-2020-0277\/full\/html","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2025,7,24]],"date-time":"2025-07-24T22:31:44Z","timestamp":1753396304000},"score":1,"resource":{"primary":{"URL":"http:\/\/www.emerald.com\/jeim\/article\/36\/1\/91-122\/431840"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2022,5,27]]},"references-count":115,"journal-issue":{"issue":"1","published-online":{"date-parts":[[2022,5,27]]},"published-print":{"date-parts":[[2023,1,27]]}},"alternative-id":["10.1108\/JEIM-07-2020-0277"],"URL":"https:\/\/doi.org\/10.1108\/jeim-07-2020-0277","relation":{},"ISSN":["1741-0398"],"issn-type":[{"value":"1741-0398","type":"print"}],"subject":[],"published":{"date-parts":[[2022,5,27]]}}}