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Use intention of green financial security intelligence service based on UTAUT

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Abstract

Traditional financial means are no longer able to deal with the green finance issues in the new situation. While intelligence service has provided new ideas for green financial security management. The comprehensive and sustainable application of green financial security intelligence service will help to effectively guarantee green financial security. This research intends to study how willing are green finance stakeholders to use green financial security intelligence service and which factor will affect the willingness? This study first constructs a theoretical model of the use intention of green financial security intelligence service based on UTAUT, from the aspects of performance expectancy, effort expectancy, social influence, facilitating condition, service quality, information quality, perceived advantage, perceived trust and perceived risk. Then, it conducts research on China’s first batch of green finance pilot cities (Ganjiang, Gui’an, Guangzhou, Huzhou, Quzhou, Changji, Hami, and Karamay), to discuss users’ perceptions of green financial security intelligence service and use intention in various regions. Next, this research uses the structural equation model to identify the factors that affect the willingness to use green financial security intelligence service. The results show that users pay more attention to the performance expectancy, effort expectancy and social influence brought by intelligence service. In order to increase users’ willingness, it is possible to increase users’ trust in green financial security intelligence service by ensuring information security, providing facilitating condition, and increasing application advantage.

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Data availability

The datasets generated during the current study are available from the corresponding author on reasonable request.

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Funding

The work is supported by National Social Science Foundation of China (19BTQ089) and Anhui Provincial Natural Science Foundation of China (KJ2020A1073).

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  1. College of Economics and Management, Nanjing University of Aeronautics and Astronautics, Nanjing, 210016, China

    Haibei Chen & Xianglian Zhao

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  1. Haibei Chen
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Haibei Chen was involved in formal analysis, preparation, software, writing—review and editing. Xianglian Zhao contributed to formal analysis, methodology, data curation, writing—review and editing.

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Appendix: Variable definitions

Appendix: Variable definitions

Variable

Definition

Performance expectancy

Individual or organization’s belief that using a certain technology or system can improve work performance

Effort expectancy

The effort required by an individual or organization to use a certain technology or system

Social influence

The influence of individuals or organizations on the use of a technology or system by the surrounding groups

Facilitating condition

The degree of support that an individual or organization receives when using a technology or system

Service quality

The intelligence service meets the needs of relevant users for green financial security management

Information quality

Intelligence information is accurate, safe, and reliable

Perceived advantage

The information provided by the intelligence service is more authoritative, and risks can be predicted and controlled in a relatively short period of time

Perceived trust

Trust is the prerequisite for users to adopt intelligence service, which means that users are willing to bear the ultimate risk and cost

Perceived risk

The unreasonable use of intelligence may affect the control of green financial security, and the leakage of intelligence may also increase the uncertainty of green financial security

Use intention

The willingness to use intelligence service

PE1

Intelligence service is conducive to ensuring green financial security

PE2

Intelligence service is beneficial to improve the efficiency of green financial security management

PE3

Intelligence service helps decision makers to make effective decisions

EE1

The intelligence information acquisition is relatively simple

EE2

The intelligence technology learning is relatively simple

EE3

The application of intelligence information is relatively simple

SI1

Relevant institutions use intelligence service to ensure green financial security

SI2

Relevant institutions support the use of intelligence service

SI3

Relevant institutions believe the use of intelligence service is necessary

CC1

The organization has complete equipment, advanced technology and can carry out intelligence service

CC2

The organization has special intelligence personnel, which can directly carry out intelligence service

CC3

The organization carries out intelligence service training regularly

SQ1

Intelligence service can meet the needs of green financial management

SQ2

The information provided by the intelligence service is timely

SQ3

The decision-making advice provided by the intelligence service is very effective

IQ1

The information content provided by the intelligence service is very accurate

IQ2

The information content provided by the intelligence service is very safe

IQ3

The information content provided by the intelligence service is very reliable

PA1

Compared with other ways, intelligence service is more secure for green financial risk management

PA2

Compared with other ways, information provided by intelligence service is more authoritative and reliable

PA3

Compared with other ways, intelligence service is simple

PT1

Intelligence service is trustworthy

PT2

Intelligence service can effectively guarantee the security of green finance

PT3

Intelligence service can help the green financial management to make the right judgment

PR1

False intelligence may mislead decisions

PR2

Intelligence disclosure may increase green financial risk

PR3

The unreasonable use of information may affect the control of green financial risk

AI1

We are willing to use intelligence service

AI2

It is a wise decision to manage green financial risk through intelligence service

AI3

It is intended to recommend other agencies to use intelligence service

  1. This appendix describes each variable used in this study, especially the special meaning in the model. In particular, performance expectancy, effort expectancy, social influence, facilitating condition, service quality, information quality, perceived advantages, perceived trust, and perceived risk are the corn variables in this paper

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Chen, H., Zhao, X. Use intention of green financial security intelligence service based on UTAUT. Environ Dev Sustain 25, 10709–10742 (2023). https://doi.org/10.1007/s10668-022-02501-5

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