What drives continuance intention of disruptive technological innovation? The case of e-business microcredit in China

ABSTRACT

Users’ continuance intention to use plays a key role in realising disruptive technology innovation. Drawing from expectation – confirmation theory, this study integrates perceived value, trust, and habit to investigate how they affect users’ continuance intention to use disruptive technology innovation by using a questionnaire survey of 247 e-business microcredit users in China. The results indicate that perceived value and trust have an independent positive effect on users’ satisfaction and continuance intention to use, satisfaction has a positive effect on users’ continuance intention to use, and habit moderates negatively the relationship between perceived value and users’ continuance intention to use. The findings contribute to the literature of disruptive technology innovation, innovation adoption, and post adoption behaviour, and shed light on continuers’ behaviour of disruptive technology innovation.

KEYWORDS:

• Continuance intention
• disruptive technology innovation
• perceived value
• E-business microcredit

Acknowledgements

The authors acknowledge and appreciate all editors and reviewers who gave them high-quality comments and suggestions.

Disclosure statement

No potential conflict of interest was reported by the author (s).

Additional information

Funding

This work was supported by the Humanities and Social Sciences Research Project of the Ministry of Education of China [grant numbers #20YJC630218, #18YJC630250], Special Project for Shandong Social Science Planning Social Science Popularisation and Application [grant number #19CKPJ07], National Natural Science Foundation of China [grant number #71804056], China Postdoctoral Science Foundation [grant number #2018M642033]. Hubei Provincial Technical Innovation Project (soft science research) [grant number #2018ADC052]. The time of Tugrul Daim was partially funded within the framework of the Basic Research Program of the National Research University Higher School of Economics.

Notes on contributors

Wenyao Zhang

Wenyao Zhang is a lecturer in the School of Finance, Qilu University of Technology (Shandong Academy of Sciences). Her research interests include disruptive innovation, business model innovation, and innovation management. She has published 5 papers in SSCI/SCI-indexed journals such as Creativity Research Journal, Quality & Quantity, IEEE Transactions on Engineering Management and Technology Analysis and Strategic Management.

Wei Zhang

Wei Zhang is an associate professor and master instructor of School of Public Administration, Central China Normal University. He has published more than 30 academic papers in important or authoritative SCI/SSCI-indexed journals such as Creativity Research Journal, Creativity and Innovation Management, Journal of Information Science, Quality & Quantity, Journal of the Franklin Institute, and Social Behaviour and Personality. His research interests are in knowledge management and innovation management.

Chenxiao Wang

Chenxiao Wang is a PhD candidate of School of Management of Harbin Institute of Technology. Her research direction focuses on innovation management and knowledge management. She has published three papers in core domestic journals.

Tugrul U. Daim

Tugrul U. Daim is a professor and PhD Program Director of Engineering and Technology Management, Portland State University. His research interests are in the areas of technology evaluation and acquisition, new product development, technology forecasting and manufacturing management. He has published many papers in high-quality academic journals such as Journal of Product Innovation Management, Technological Forecasting and Social Change, Technovation, Technology Analysis and Strategic Management, Energy Policy, and International Journal of Project Management.