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Modelling the crowdfunding technology adoption among novice entrepreneurs: an extended TAM model

Computer-mediated crowdfunding is deemed as a financial innovation technology used by novice entrepreneurs to solicit funds from other individuals in order to easily gather fundraising for their innovative ideas. However, lack of information on the attributes of crowdfunding platforms coupled with the lack of the knowledge about the techniques of use of these technologies make this fundraising tool not very effective. In this study, we try to elucidate key factors influencing the intention of Tunisian entrepreneurs to adopt crowdfunding platforms as a main tool of fundraising. The research model was based on an extended Technology Acceptance Model (TAM) with the integration of three new variables: perceived risk with service, perceived risk with transaction and plagiarism risk. The results show that, both perceived risk with service, perceived risk with transaction and plagiarism risk have a negative impact on entrepreneurs’ use of crowdfunding platforms, while perceived usefulness and perceived trust influence positively entrepreneurs’ intention behavior. Perceived risks with crowdfunding service and transaction are affected by financing risk, security concerns and psychological factors, while plagiarism risk is influenced by information concerns and perceived control.