{"id":{"repo_id":"corvinus","oai_identifier":"oai:phd.lib.uni-corvinus.hu:1488"},"canonical_url":"https://search.dev.ndltd.org/etd/corvinus/oai:phd.lib.uni-corvinus.hu:1488","repository":{"repo_id":"corvinus","name":"Corvinus University of Budapest","base_url":"http://phd.lib.uni-corvinus.hu/cgi/oai2"},"display":{"title":"From pen and paper to pixels. – Usability and User Acceptance of Digital Signatures: A Customer-Centric Study in Hungarian SMEs","abstract":"Hungary ranks 22nd in the EU Digital Economy and Society Index, with only 53.2% of SMEs demonstrating basic digital intensity, compared to 57.7% across the EU (Digital Decade Country Report 2024: Hungary, 2024). This dissertation investigates the adoption of a foundation tool, digital signature, through a customer-centric lens, employing an exploratory mixed-methods design: a phone-assisted survey of 200 SMEs and 14 semi-structured expert interviews. Logistic regression reveals that company size and sectoral orientation -not partner proximity- predict adoption (Nagelkerke ?² = 0.426); industrial firms demonstrate 89% lower odds of adoption compared to service-sector firms. Thematic analysis identifies five barriers (partner resistance, knowledge gaps, cultural inertia, perceived lack of necessity, process misalignment) and four enablers (cost-effectiveness, ease of use, international partner pressure, generational change). Digital maturity emerges as a bridging construct linking organizational readiness to both adoption likelihood and integration depth. Contributions include the first comprehensive segment-level requirements map for Hungarian SMEs, as well as actionable recommendations for trust service providers on onboarding, education, and product design.","abstract_html":"Hungary ranks 22nd in the EU Digital Economy and Society Index, with only 53.2% of SMEs demonstrating basic digital intensity, compared to 57.7% across the EU (Digital Decade Country Report 2024: Hungary, 2024). This dissertation investigates the adoption of a foundation tool, digital signature, through a customer-centric lens, employing an exploratory mixed-methods design: a phone-assisted survey of 200 SMEs and 14 semi-structured expert interviews. Logistic regression reveals that company size and sectoral orientation -not partner proximity- predict adoption (Nagelkerke ?² = 0.426); industrial firms demonstrate 89% lower odds of adoption compared to service-sector firms. Thematic analysis identifies five barriers (partner resistance, knowledge gaps, cultural inertia, perceived lack of necessity, process misalignment) and four enablers (cost-effectiveness, ease of use, international partner pressure, generational change). Digital maturity emerges as a bridging construct linking organizational readiness to both adoption likelihood and integration depth. Contributions include the first comprehensive segment-level requirements map for Hungarian SMEs, as well as actionable recommendations for trust service providers on onboarding, education, and product design.","abstract_has_math":false,"creators":["Jámbor, Péter"],"institution":"Budapesti Corvinus Egyetem","degree_name":"phd","degree_level":"doctoral","degree_discipline":null,"degree_department":null,"school":null,"contributors":[],"advisors":[],"committee_chairs":[],"committee_members":[],"year":2026,"date_issued":"2026-03","date_published":"2026-03","updated_at":"2026-07-24T01:49:49Z","subjects":["Innováció, tudásgazdaság"],"languages":["en"],"rights":[],"rights_urls":[],"identifier_entries":[]},"links":{"outbound_url":null,"outbound_label":null,"outbound_source":null},"metadata_groups":[{"id":"people","label":"People","entries":[{"key":"dc:creator","label":"Author","values":["Jámbor, Péter"]}]},{"id":"academic_context","label":"Academic Context","entries":[{"key":"dc:date","label":"Dc Date","values":["2026-03-25"]},{"key":"dc:date.issued","label":"Date","values":["2026-03"]},{"key":"dc:publisher.department","label":"Dc Publisher Department","values":["Közgazdasági és Gazdaságinformatikai Doktori Iskola"]},{"key":"dc:publisher.institution","label":"Dc Publisher Institution","values":["Budapesti Corvinus Egyetem"]},{"key":"dc:relation.isreferencedby","label":"Dc Relation Isreferencedby","values":["https://phd.lib.uni-corvinus.hu/1488/"]},{"key":"dc:type","label":"Dc Type","values":["Disszertáció"]},{"key":"dc:type.qualificationlevel","label":"Dc Type Qualificationlevel","values":["doctoral"]},{"key":"dc:type.qualificationname","label":"Dc Type Qualificationname","values":["phd"]}]},{"id":"subjects_keywords","label":"Subjects and Keywords","entries":[{"key":"dc:subject","label":"Dc Subject","values":["Innováció, tudásgazdaság"]}]},{"id":"language_rights","label":"Language and Rights","entries":[{"key":"dc:language","label":"Dc Language","values":["en"]}]},{"id":"identifiers","label":"Identifiers","entries":[{"key":"dc:identifier.uri","label":"Identifier URI","values":["https://phd.lib.uni-corvinus.hu/1488/5/Ja%CC%81mbor_Pe%CC%81ter_den.pdf","https://phd.lib.uni-corvinus.hu/1488/6/Peter_Jambor_ten.pdf"]}]},{"id":"additional","label":"Additional Metadata","entries":[{"key":"dc:description.abstract","label":"Abstract","values":["Hungary ranks 22nd in the EU Digital Economy and Society Index, with only 53.2% of SMEs demonstrating basic digital intensity, compared to 57.7% across the EU (Digital Decade Country Report 2024: Hungary, 2024). This dissertation investigates the adoption of a foundation tool, digital signature, through a customer-centric lens, employing an exploratory mixed-methods design: a phone-assisted survey of 200 SMEs and 14 semi-structured expert interviews. Logistic regression reveals that company size and sectoral orientation -not partner proximity- predict adoption (Nagelkerke ?² = 0.426); industrial firms demonstrate 89% lower odds of adoption compared to service-sector firms. Thematic analysis identifies five barriers (partner resistance, knowledge gaps, cultural inertia, perceived lack of necessity, process misalignment) and four enablers (cost-effectiveness, ease of use, international partner pressure, generational change). Digital maturity emerges as a bridging construct linking organizational readiness to both adoption likelihood and integration depth. Contributions include the first comprehensive segment-level requirements map for Hungarian SMEs, as well as actionable recommendations for trust service providers on onboarding, education, and product design."]},{"key":"dc:format","label":"Dc Format","values":["application/pdf"]},{"key":"dc:title","label":"Title","values":["From pen and paper to pixels. – Usability and User Acceptance of Digital Signatures: A Customer-Centric Study in Hungarian SMEs"]}]}],"canonical_facts":{"dc:creator":["Jámbor, Péter"],"dc:date":["2026-03-25"],"dc:date.issued":["2026-03"],"dc:description.abstract":["Hungary ranks 22nd in the EU Digital Economy and Society Index, with only 53.2% of SMEs demonstrating basic digital intensity, compared to 57.7% across the EU (Digital Decade Country Report 2024: Hungary, 2024). 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