An Analysis Of The Farmer Technology Acceptance Model In Understanding Farmers’Behavioral Intention To Use Ict Based Microfinance Platform:Empirical Evidence From Bangladesh And China

Microfinance, also known as micro credit, has emerged as a movement in Bangladesh and in the larger part of the world including Pakistan, Brazil, Uganda and China. Although microfinance platform has widely been used by Bangladesh as well as other developing countries, its main objective which is highly focused on poverty alleviation, remains unattainable. The concept has been exacerbated by MFIs towards achieving institutional benefit rather than alleviating poverty. Conversely, the essence of ICT has not been incorporated with microfinance extensively. Considering the evolving technology (ICT) widely used by middle and poor class farmer but its potential has not been incorporated in microcredit. This study aims to provide access of ICT in the microfinance industry for better transparency, accessibility, credibility, and accountability. This study proposed an integrated theoretical framework of farmer acceptance and intention to use ICT enabled product and services in order to fulfill agriculture needs, based on the technology acceptance model (TAM). In this study, analyses of field study data provide evidence of the reliability and validity of the proposed Conceptual Model. The findings contribute to future research on external variables of TAM. The result of the study demonstrated that some TAM constructs had a direct and indirect effect on IS/IT adoption and intention to use IS/IT by the rural farmers of developing countries. The conclusions are that In the context of Bangladesh, both occupation relevance and self efficacy play an important role in affecting intention to use ICT enable product and service. In the context of china, both occupation relevance, innovativeness, social influence play important role in affecting intention to use ICT enable product and service.