Complacency, capabilities, and institutional pressure: understanding financial institutions’ participation in the nascent mobile payments ecosystem

2018 | Electronic Markets | Citations: 0

Authors: Du, Kui

Abstract: As mobile payments become increasingly popular, their ecosystem is also evolving ... Expand

Abstract: As mobile payments become increasingly popular, their ecosystem is also evolving. The participation of financial institutions in this ecosystem, although is rapidly improving, remains relatively low. This paper studies why some financial institutions choose to, or not to, participate in this nascent mobile payments ecosystem. We developed hypotheses for the influence of three factors as aspiration gaps, customer-facing IT capabilities, and institutional pressures based on three theoretical foundations including the threat rigidity thesis, capability-based view, and institutional theory. We then empirically tested our hypotheses by analyzing the diffusion of mobile payments among 3549 U.S. credit unions from 2013 to 2016. Results from our event history analyses provide support to the hypotheses that credit unions experiencing performance gaps, having superior customer-facing IT capabilities, and facing strong institutional pressures are more likely to start providing mobile payment services. Collapse

Topics: mobile payment mobile system information technology capability customer service innovation management

Methods: proportional hazards model survival analysis hazard function statistical hypothesis test robustness check

Theories: institutional theory

Health Information Exchange as a Multisided Platform: Adoption, Usage, and Practice Involvement in Service Co-Production

2015 | Information Systems Research | Citations: 0

Authors: Yaraghi, Niam; Du, Anna Ye; Sharman, Raj; Gopal, Ram D.; Ramesh, Ram

Abstract: Health Information Exchanges (HIE) are becoming integral parts of the national h ... Expand

Abstract: Health Information Exchanges (HIE) are becoming integral parts of the national healthcare reform efforts, chiefly because of their potential impact on cost reduction and quality enhancement in healthcare services. However, the potential of an HIE platform can only be realized when its multiple constituent users actively participate in using its variety of services. In this research, we model HIE systems as multisided platforms that incorporate self-service technologies whose value to the users depends on both user-specific and network-specific factors. We develop a model of adoption, use, and involvement of clinical practices in the coproduction of the HIE services. This model is grounded in social network theory, service operations theory, and institutional isomorphism theory. A longitudinal study of actual adoption and use behaviors of 2,054 physicians within 430 community medical practices in Western New York over a three-year period has been carried out to evaluate the proposed model. This study has been supported by HEALTHeLINK, the Regional Health Information Organization of Western New York, which has an extensive database comprising over half a million transactions on patient records by the HIE users. We extracted panel data on adoption, use, and service coproduction behaviors from this database and carried out a detailed analysis using metrics derived from the foundational theories. Positioning practices within two distinct but interrelated networks of patients and practitioners, we show that adoption, use, and service coproduction behaviors are influenced by the topographies of the two networks, isomorphic effects of large practices on the smaller ones, and practice labor inputs in HIE use. Our findings provide a comprehensive view of the drivers of HIE adoption and use at the level of medical practices. These results have implications for marketing and revenue management of HIE platforms, as well as public health and national/regional healthcare policy making. Collapse

Topics: database system electronic health record healthcare data social network network effect

Methods: longitudinal research statistical hypothesis test survival analysis mathematical model descriptive statistic

Theories: institutional isomorphism theory social network theory

Examining the growth of digital wireless phone technology: A take-off theory analysis

2014 | Decision Support Systems | Citations: 0

Authors: Techatassanasoontorn, Angsana A.; Kauffman, Robert J.

Abstract: The early phase of diffusion plays a critical role in determining information te ... Expand

Abstract: The early phase of diffusion plays a critical role in determining information technology (IT) success in a market. Takeoff, the transition point from the introduction to the growth phase in the IT life cycle, is viewed as an acid test for whether a technology will succeed. We develop a theory to understand global takeoff for digital wireless phones that can be extended to other technologies with related characteristics. Drawing on technology dominance and product life cycle theories, we build a model that consists of standards, market competition, technology costs, and technology substitution to explain takeoff and subsequent market penetration growth. The data are from 41 developed and developing countries. The results suggest that the presence and effects of standards play an important role in driving takeoff and penetration growth. Familiarity with wireless phones and an installed base of analog phone technologies also explain faster takeoff times. Non-price factors are important drivers of penetration growth after takeoff as well. Our results have managerial and policy implications on innovative strategies, standards and competition policy settings for digital wireless phones. Collapse

Topics: innovation management information system use IT investment network effect technological change

Methods: longitudinal research hierarchical linear modeling autocorrelation analysis theory development chi squared test

Social Networks and the Diffusion of User-Generated Content: Evidence from YouTube

2012 | Information Systems Research | Citations: 0

Authors: Susarla, Anjana; Oh, Jeong-Ha; Tan, Yong

Abstract: This paper is motivated by the success of YouTube, which is attractive to conten ... Expand

Abstract: This paper is motivated by the success of YouTube, which is attractive to content creators as well as corporations for its potential to rapidly disseminate digital content. The networked structure of interactions on YouTube and the tremendous variation in the success of videos posted online lends itself to an inquiry of the role of social influence. Using a unique data set of video information and user information collected from YouTube, we find that social interactions are influential not only in determining which videos become successful but also on the magnitude of that impact. We also find evidence for a number of mechanisms by which social influence is transmitted, such as (i) a preference for conformity and homophily and (ii) the role of social networks in guiding opinion formation and directing product search and discovery. Econometrically, the problem in identifying social influence is that individuals' choices depend in great part upon the choices of other individuals, referred to as the reflection problem. Another problem in identification is to distinguish between social contagion and user heterogeneity in the diffusion process. Our results are in sharp contrast to earlier models of diffusion, such as the Bass model, that do not distinguish between different social processes that are responsible for the process of diffusion. Our results are robust to potential self-selection according to user tastes, temporal heterogeneity and the reflection problem. Implications for researchers and managers are discussed. Collapse

Topics: YouTube social influence social network network effect blog

Methods: longitudinal research autocorrelation analysis descriptive statistic hierarchical linear modeling instrumental variables estimation

Theories: social contagion theory

Creating Social Contagion through Viral Product Design: A Randomized Trial of Peer Influence in Networks

2010 | International Conference on Information Systems | Citations: 0

Authors: Aral, Sinan; Walker, Dylan

Abstract: We examine how firms can create word of mouth peer influence and social contagio ... Expand

Abstract: We examine how firms can create word of mouth peer influence and social contagion by incorporating viral features into their products. Word of mouth is generally considered to more effectively promote peer influence and contagion when it is personalized and active. Unfortunately, econometric identification of peer influence is non-trivial. We therefore use a randomized field experiment to test the effectiveness of passive-broadcast and active-personalized viral messaging capabilities in creating peer influence and social contagion among the 1.4 million friends of 9,687 experimental users. Surprisingly, we find that passive-broadcast viral messaging generates a 246% increase in local peer influence and social contagion, while adding active-personalized viral messaging only generates an additional 98% increase in contagion. Although active-personalized messaging is more effective per message and is correlated with more user engagement and product use, it is used less often and therefore generates less total peer adoption in the network than passive-broadcast messaging. Collapse

Topics: Facebook usability personalization social network hypertext

Methods: experiment experimental group randomized field experiment hazard function proportional hazards model

Theories: social contagion theory

Complementarities in the Diffusion of Personal Computers and the Internet: Implications for the Global Digital Divide

2010 | Information Systems Research | Citations: 37

Authors: Dewan, Sanjeev; Ganley, Dale; Kraemer, Kenneth L.

Abstract: This paper studies the cross-country diffusion of personal computers (PCs) and t ... Expand

Abstract: This paper studies the cross-country diffusion of personal computers (PCs) and the Internet, and examines how the diffusive interactions across these technologies affect the evolution of the global digital divide. We adopt a generalized diffusion model that incorporates the impact of one technology's installed base on the diffusion of the other technology. We estimate the model on data from 26 developing and developed countries between 1991 and 2005. We find that the codiffusion effects between PCs and the Internet are complementary in nature and the impact of PCs on Internet diffusion is substantially stronger in developing countries as compared to developed ones. Furthermore, our results suggest that these codiffusive effects are a significant driver of the narrowing of the digital divide. We also examine the policy implications of our results, especially with respect to how complementarities in the diffusion of PC and Internet technologies might be harnessed to further accelerate the narrowing of the global digital divide. Collapse

Topics: internet technology digital divide network effect innovation management technology diffusion

Methods: statistical hypothesis test robustness check hazard function cross sectional research autocorrelation analysis

Theories: diffusion of innovations theory theory of economic development