Table of constructs
| Construct | Definition | Citation |
|---|---|---|
| Peer-to-peer insurance | A form of decentralized risk sharing network in which participants pool resources and risk together to compensate those who suffer losses, where the insurer is called upon to provide indemnity only if claims exceed the capacity of the common fund | Abdikerimova and Feng (2022), Levantesi and Piscopo (2022) |
| Technology acceptance model (TAM) | An extension of theory of reasoned action (TRA). It posits that there are several factors that determine whether a system will be accepted and used by its potential users. These are encompassed by social influence processes (subjective norm, voluntariness and image), cognitive instrumental processes (job relevance, output quality, result demonstrability and perceived ease of use), PU and the intention to use | Venkatesh and Davis (2000) |
| Perceived risk (PR) | The uncertainty and unpleasant outcomes connected to consumers' expectations. It represents how unpredictable consumers believe results will be when researching and selecting information about goods and/or services before making any purchasing decisions | Aldammagh et al. (2021) |
| Perceived ease of use (PEOU) | The degree to which individuals believe that using a particular system or technology will be free from effort and easy to use. It captures the perceived simplicity and user-friendliness of the system or technology | Ventre and Kolbe (2020) |
| Perceived usefulness (PU) | The degree to which individuals believe that using a particular system or technology will enhance their performance and productivity. It reflects the perception that the system or technology is valuable and beneficial in achieving desired outcomes | Ventre and Kolbe (2020) |
| Subjective norm (SN) | A person's view that the majority of the people who are significant to them believe they should not engage in a particular behaviour. This perception affects intention to behave | Venkatesh and Davis (2000), Aji et al. (2020) |
| Perceived trust (TRU) | The belief or confidence individuals have in the reliability, credibility and integrity of a system, organization or other entities. It represents the extent to which individuals perceive the system or entity to be trustworthy and dependable | Ben Uche et al. (2021) |
| Behavioural intention (BI) | The degree to which an individual intends to use the information system. It provides an indication of whether the intention to use the information system will translate into actual usage | Lim and Weissmann (2023) |
| Construct | Definition | Citation |
|---|---|---|
| Peer-to-peer insurance | A form of decentralized risk sharing network in which participants pool resources and risk together to compensate those who suffer losses, where the insurer is called upon to provide indemnity only if claims exceed the capacity of the common fund | |
| Technology acceptance model (TAM) | An extension of theory of reasoned action (TRA). It posits that there are several factors that determine whether a system will be accepted and used by its potential users. These are encompassed by social influence processes (subjective norm, voluntariness and image), cognitive instrumental processes (job relevance, output quality, result demonstrability and perceived ease of use), PU and the intention to use | |
| Perceived risk (PR) | The uncertainty and unpleasant outcomes connected to consumers' expectations. It represents how unpredictable consumers believe results will be when researching and selecting information about goods and/or services before making any purchasing decisions | |
| Perceived ease of use (PEOU) | The degree to which individuals believe that using a particular system or technology will be free from effort and easy to use. It captures the perceived simplicity and user-friendliness of the system or technology | |
| Perceived usefulness (PU) | The degree to which individuals believe that using a particular system or technology will enhance their performance and productivity. It reflects the perception that the system or technology is valuable and beneficial in achieving desired outcomes | |
| Subjective norm (SN) | A person's view that the majority of the people who are significant to them believe they should not engage in a particular behaviour. This perception affects intention to behave | |
| Perceived trust (TRU) | The belief or confidence individuals have in the reliability, credibility and integrity of a system, organization or other entities. It represents the extent to which individuals perceive the system or entity to be trustworthy and dependable | |
| Behavioural intention (BI) | The degree to which an individual intends to use the information system. It provides an indication of whether the intention to use the information system will translate into actual usage |
Source(s): Authors’ compilation
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