Predicting Intention to Use Mobile Banking Services among Yemeni Banks’ Clients: Is Perceived Value Important?

2021 ◽  
pp. 498-520
Author(s):  
Ahmed M. Mutahar ◽  
Adnan Aldholay ◽  
Osama Isaac ◽  
Abdullah Nabeel Jalal ◽  
Sharaf Alkibsi
Keyword(s):  
Perceived Value ◽  
Intention To Use ◽  
Mobile Banking ◽  
Banking Services

scholarly journals What keeps Islamic mobile banking customers loyal?

2019 ◽  
Vol 10 (2) ◽  
pp. 525-542 ◽  
Author(s):  
Mohamed Asmy Bin Mohd Thas Thaker ◽  
Md Fouad Bin Amin ◽  
Hassanudin Bin Mohd Thas Thaker ◽  
Anwar Bin Allah Pitchay
Keyword(s):  
Customer Satisfaction ◽  
Customer Service ◽  
Mediating Effect ◽  
Primary Data ◽  
Islamic Banking ◽  
Intention To Use ◽  
Mobile Banking ◽  
Continuance Intention ◽  
Banking Services ◽  
Content Type

Purpose This study aims to find important factors of Malaysian Islamic banking customers’ loyalty or continuance intention to use Islamic mobile banking services. Design/methodology/approach The primary data are collected from the survey administered to 250 customers in the Klang Valley and the analysis is conducted using partial least squares (PLS). Findings Based on the findings, continuance intention of using Islamic mobile banking services was found to be depended on the usability of mobile banking services, customer service provided by Islamic banks towards mobile banking services, customer satisfaction on mobile banking services and trust of customers towards mobile banking services. In addition, the mediating effect of Islamic mobile banking services continuance adoption is significantly influenced by customer satisfaction and trust. Research limitations/implications The sample size and area of study become the obvious limitations, and interpretation of the results and conclusion cannot be as generalised. In addition, as the respondents of this study are existing customers who have used Islamic mobile banking services at least once, relying on the perception of one key informant might imply cognitive biases. Besides, the use of current factors might limit the ability to explore other potentially important determinants of the customers’ continuance intention in using Islamic mobile banking services. Practical implications By understanding these continuance intention factors amongst the customers, it would help the industry player particularly Islamic banking to plan and strategise appropriate policies and support necessary programmes on diversifying and promoting financial transaction using mobile banking services amongst their existing and potential customers. Originality/value This paper offers an additional literature on Islamic mobile banking, especially from the Malaysian context. There is a lack of study that focuses on loyalty towards Islamic mobile banking services. The paper is considered to be the first attempt to examine the factors that influence Malaysian Islamic banking customers’ loyalty or continuance intention to use Islamic mobile banking services.

scholarly journals An Empirical Analysis of Mobile Banking Adoption in Vietnam

2020 ◽  
Author(s):  
Bui Nhat Vuong
Keyword(s):  
Mobile Phone ◽  
Structural Equation ◽  
Banking Sector ◽  
Service Providers ◽  
The Body ◽  
Equation Modeling ◽  
Perceived Behavioral Control ◽  
Intention To Use ◽  
Mobile Banking ◽  
Banking Services

Mobile phones with banking technology are becoming more readily available in Vietnam. Similarly, many financial institutions and mobile phone service providers are teaming up to provide several banking services to customers via the mobile phone. However, the number of people who choose to adopt or use such technologies is still relatively low. Therefore, there is a need to assess the acceptance of such technologies to establish factors that hinder or promote customer’s intention to use mobile banking. Survey data collected from 452 consumers was analyzed to provide evidence. Results from the partial least squares structural equation modeling (PLS-SEM) using the SmartPLS 3.0 program indicated that perceived easy to use, perceived credibility, usefulness, attitude, perceived behavioral control and subjective norm are significant with respect to the customer’s intention to use mobile banking services. The results of the data analysis contribute to the body of knowledge by demonstrating that the above factors are critical in intention to use mobile banking in a developing country context. The finding of this study can also help marketers in the banking sector offer more suitable marketing strategies in their field in order to make higher attractiveness with mobile banking

scholarly journals Factors Affecting Sustainable Intention to Use Mobile Banking Services

SAGE Open ◽  
2021 ◽  
Vol 11 (3) ◽  
pp. 215824402110299
Author(s):  
Phaninee Naruetharadhol ◽  
Chavis Ketkaew ◽  
Niracha Hongkanchanapong ◽  
Piranat Thaniswannasri ◽  
Techin Uengkusolmongkol ◽  
...  
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Equation Modeling ◽  
Intention To Use ◽  
Mobile Banking ◽  
Banking Services ◽  
Factors Affecting ◽  
Self Service ◽  
Acceptance Model ◽  
Self Service Technology

This study aims to (a) identify perception factors that affect current mobile banking (M-banking) consumers’ continuous use of the technology, (b) explain the self-service technology (STT) dimensions that affect customers’ behavioral intention, and (c) be able to offer recommendations to the banking industry or other organizations related to M-banking in terms of developing M-banking services in the future. Analyzed data were collected from 688 existing Thai M-banking users through online questionnaires. This study used the SPSS and AMOS statistical programs to analyze the data by applying structural equation modeling based on SSTs’ service qualities and the technology acceptance model (TAM). From the results, this analysis shows positive and significant relationships among SSTs’ service qualities, perception, and sustainable intention to use M-banking services. This study provides vital knowledge related to essential characteristics of M-banking as an STT that could assist banking institutions and application providers in enhancing their M-banking products. Moreover, this study adds to the knowledge area of SSTs’ service qualities in financial mobile application dimensions.

scholarly journals Disposition to Trust, Interpersonal Trust and Institutional Trust of Mobile Banking In Malaysia

2015 ◽  
Vol 2 (4) ◽  
pp. 1-5 ◽  
Author(s):  
Murat Mahad ◽  
Shahimi Mohtar ◽  
Abdul Aziz Othman
Keyword(s):  
Interpersonal Trust ◽  
Penetration Rate ◽  
Smart Phones ◽  
Intention To Use ◽  
Mobile Banking ◽  
Cellular Telephone ◽  
Home Computer ◽  
Banking Services ◽  
Marketing Environment ◽  
New Strategy

Mobile banking refers to the use of smart phones or other mobile devices to perform tasks online banking from your home computer, such as monitoring the account balances, transfer of funds between accounts, pay bills and prepaid top-up. Mobile banking is a new strategy for the bank to enhance their latest technology in a new dynamic marketing environment. The low penetration of mobile banking in Malaysia, especially in terms of adoption patterns is becoming the research interest, especially when compared to the total number of cellular telephone subscriptions. The penetration rate of mobile banking in Malaysia is still in the minority. One of the issues identified by a few researchers is the perception of trust. This article will discuss along the trust issue and its constituents and then after the intention to use of mobile banking services. The bank should enhance their strategy to improve and develop new strategy in order to gain more utilization and adoption on intention to use. This article attempts to discuss on the element of trust to benefit the service provider in Malaysia.

scholarly journals Mobile banking adoption and usage among Generation Y Malaysians

F1000Research ◽  
2021 ◽  
Vol 10 ◽  
pp. 1170
Author(s):  
Momen Tarawneh ◽  
Lan Thi Phuong Nguyen ◽  
Yong Fie
Keyword(s):  
Perceived Risk ◽  
Interface Design ◽  
Credit Card ◽  
Internet Banking ◽  
Intention To Use ◽  
Mobile Banking ◽  
Design Quality ◽  
Banking Services ◽  
Factors Affecting ◽  
Actual Use

Background: By 2018, Malaysian mobile banking services made the third-largest amount of banking transactions, following credit card and Internet banking. In addition, it significantly contributes to the banking industry by providing easier transactions to banking consumers. This study examined factors affecting the intention to use, and the actual use of mobile banking services in Malaysia. Methods: Two main theories of the unified theory of acceptance and use of technology (extended version, UTAUT2), and the model of perceived risk, were used to propose a modified framework. Based on the non-probability sampling method, the data were collected from 504 respondents. The data vas analyzed using SPSS and PLS-SEM to derive the findings. Results: The study's findings revealed that the independent variables could explain 55.3% of the variance in mobile banking use and 60.3% of variance in intention to use variables. Moreover, it demonstrated that common factors that have significantly affected the actual use and intention to use mobile banking were habit, facilitating condition, and interface design quality. In contrast, perceived risk and intention to use were found to only have significant impacts on the use of mobile banking, while effort expectancy was found to only have a significant impact on the intention to use. Conclusions: The findings of this study provide significant new knowledge on mobile banking, from which mobile banking providers and interface designers can develop potential solutions to increase the usage of mobile banking services in Malaysia. However, using a qualitative method, the proposed model could only explain 55% of actual use and 60% of intentional use. Thus, additional variables and qualitative techniques may help increase the understanding on the actual use and intention to use.

The Mediating Role of Perceived Value in the Effect of Multi-Dimensional Risk in Mobile Banking

2021 ◽  
pp. 717-744
Author(s):  
Long Pham ◽  
Stan Williamson ◽  
Cyrus Mohebbi ◽  
Binh Nguyen ◽  
Hien Nguyen
Keyword(s):  
Risk Factors ◽  
Commercial Banks ◽  
Perceived Risk ◽  
Perceived Value ◽  
Intention To Use ◽  
Mobile Banking ◽  
Convenience Sample ◽  
Mediating Role ◽  
The Relationship

This study examines which risk factors contribute most to perceived risk in Vietnam's mobile banking environment; explores the relationships among perceived risk, perceived value and intention to use mobile banking in Vietnam's mobile banking environment; and investigates any mediating role perceived value may have in the relationship between perceived risk and intention to use mobile banking in Vietnam's mobile banking environment. A convenience sample of 403 respondents who were customers of one of the largest joint stock commercial banks in Vietnam was used. The results of this study indicated that perceived risk is negatively related to intention to use mobile banking; that perceived value is positively associated with intention to use mobile banking; that perceived risk is negatively related to perceived value; and that perceived value plays a partial mediating role in the relationship between perceived risk and intention to use mobile banking.

Intention to use mobile banking services: an Islamic banking customers’ perspective from Sri Lanka

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Sabraz Nawaz Samsudeen ◽  
Gunapalan Selvaratnam ◽  
Ahamed Hilmy Hayathu Mohamed
Keyword(s):  
Sri Lanka ◽  
Questionnaire Survey ◽  
Partial Least Square ◽  
Survey Method ◽  
Islamic Banking ◽  
Intention To Use ◽  
Mobile Banking ◽  
Banking Services ◽  
Content Type ◽  
Moderating Variables

Purpose This paper aims to identify the determinants of the intention to use mobile banking services among Islamic Banking customers in Sri Lanka. The study was carried out based on the Unified Theory of Acceptance and Use of Technology (UTAUT 2). The predictor variables of performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation and habit were used to predict the variable of behavioural intention to use. The moderating variables entail age, gender and experience. Design/methodology/approach Quantitative method with questionnaire survey was used. Data collection relied on the questionnaire survey method of which items were derived and adapted from past literatures. The responses were captured using the seven-point Likert scale. The study population consisted of Islamic Banking customers in Sri Lanka. A total of 594 questionnaires were returned of which 582 were found usable for analysis. Data analysis was conducted using the partial least square structural equation modelling along with SmartPLS 3. Findings The analysis results demonstrated the significant effect of all the variables on the Islamic Banking customers’ intention to use m-banking services along with the significant effect of the moderating variables as initially hypothesized. Practical implications As the first study of its kind in the context of Islamic banking customers in Sri Lanka, this study offers decision makers valuable guidelines for when they intend to re-engineer their m-banking applications and promote them to the public. Originality/value Following a comprehensive literature review, this study is identified as the pioneering effort in the investigation of m-banking usage intention among Islamic Banking customers in Sri Lanka. Therefore, this study contributes new knowledge and insights to the existing body of literature by confirming the viability of the UTAUT2 model in driving m-banking usage adoption among Islamic Banking customers in Sri Lanka.

Understanding and Predicting Behavioral Intention to Adopt Mobile Banking

2019 ◽  
Vol 27 (3) ◽  
pp. 182-202 ◽  
Author(s):  
Ilyoo Barry Hong
Keyword(s):  
Social Influence ◽  
Influence Factors ◽  
Intention To Use ◽  
Mobile Banking ◽  
Personal Factors ◽  
Banking Services ◽  
Intention To Adopt ◽  
Research Findings ◽  
Survey Responses ◽  
Number Of Customers

Although mobile banking provides cost-saving opportunities as well as convenient banking experience for customers, today's banks still face challenges when deploying the technology because a good number of customers are reluctant to use mobile banking for personal reasons. This article is an empirical investigation of the determinants of the intention to use mobile banking services. The determinants are grouped into two categories including personal factors and social influence factors. The authors conducted an empirical analysis using 751 survey responses collected from present users of mobile banking services. The results of the analysis reveal that all the personal factors have positive relationships with the intention to use mobile banking services. On the other hand, it was found that of the social influence factors, perceived herding behavior has a significantly positive relationship with the intention to use mobile banking services, whereas subjective norm is not significantly related to the intention. The authors provide practical as well as academic implications of the research findings.

scholarly journals An empirical analysis of mobile banking adoption in Vietnam

2019 ◽  
Author(s):  
Bui Nhat Vuong ◽  
Vo Thi Hieu ◽  
Ngo Thi Thuy Trang
Keyword(s):  
Mobile Phone ◽  
Structural Equation ◽  
Banking Sector ◽  
Service Providers ◽  
The Body ◽  
Equation Modeling ◽  
Perceived Behavioral Control ◽  
Intention To Use ◽  
Mobile Banking ◽  
Banking Services

Mobile phones with banking technology are becoming more readily available in Vietnam. Similarly, many financial institutions and mobile phone service providers are teaming up to provide several banking services to customers via the mobile phone. However, the number of people who choose to adopt or use such technologies is still relatively low. Therefore, there is a need to assess the acceptance of such technologies to establish factors that hinder or promote customer’s intention to use mobile banking. Survey data collected from 452 consumers was analyzed to provide evidence. Results from the partial least squares structural equation modeling (PLS-SEM) using the SmartPLS 3.0 program indicated that perceived easy to use, perceived credibility, usefulness, attitude, perceived behavioral control and subjective norm are significant with respect to the customer’s intention to use mobile banking services. The results of the data analysis contribute to the body of knowledge by demonstrating that the above factors are critical in intention to use mobile banking in a developing country context. The finding of this study can also help marketers in the banking sector offer more suitable marketing strategies in their field in order to make higher attractiveness with mobile banking services.

scholarly journals An empirical analysis of mobile banking adoption in Vietnam

2019 ◽  
Vol 14 (37) ◽  
pp. 3365-3393 ◽  
Author(s):  
Bui Nhat Vuong ◽  
Vo Thi Hieu ◽  
Ngo Thi Thuy Trang
Keyword(s):  
Mobile Phone ◽  
Structural Equation ◽  
Banking Sector ◽  
Service Providers ◽  
The Body ◽  
Equation Modeling ◽  
Perceived Behavioral Control ◽  
Intention To Use ◽  
Mobile Banking ◽  
Banking Services

Mobile phones with banking technology are becoming more readily available in Vietnam. Similarly, many financial institutions and mobile phone service providers are teaming up to provide several banking services to customers via the mobile phone. However, the number of people who choose to adopt or use such technologies is still relatively low. Therefore, there is a need to assess the acceptance of such technologies to establish factors that hinder or promote customer’s intention to use mobile banking. Survey data collected from 452 consumers in was analyzed to provide evidence. Results from the partial least squares structural equation modeling (PLS-SEM) using the SmartPLS 3.0 program indicated that perceived easy to use, perceived credibility, usefulness, attitude, perceived behavioral control and subjective norm are significant with respect to the customer’s intention to use mobile banking services. The results of the data analysis contribute to the body of knowledge by demonstrating that the above factors are critical in intention to use mobile banking in a developing country context. The finding of this study can also help marketers in the banking sector offer more suitable marketing strategies in their field in order to make higher attractiveness with mobile banking services

Sign in / Sign up

Export Citation Format

Share Document