Factors affecting the behavioral intention to adopt mobile banking: An international comparison

2020 ◽  
Vol 63 ◽  
pp. 101360
Author(s):  
Jonathan C. Ho ◽  
Chorng-Guang Wu ◽  
Chung-Shing Lee ◽  
Thanh-Thao T. Pham
Keyword(s):  
International Comparison ◽  
Behavioral Intention ◽  
Mobile Banking ◽  
Factors Affecting ◽  
Intention To Adopt

scholarly journals Factors Affecting Bankers’ Behavioral Intention to Adopt Green Banking: An Empirical Analysis of Banks in Pakistan

2020 ◽  
Vol 6 (2) ◽  
pp. 835-843
Author(s):  
Owais Shafique ◽  
Maryam Khan
Keyword(s):  
Global Warming ◽  
Behavioral Intention ◽  
Industrial Revolution ◽  
Banking Sector ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Contributing Factors ◽  
Factors Affecting ◽  
Intention To Adopt

The global temperature has reached its highest level since the start of the industrial revolution, which is the major cause of global warming. Global warming has become one of the gravest problem now a days as it has considerable influences over markets, societies and economies. For sustainable environment management, remarkable efforts are carried out across the world and every institution is playing its role towards minimizing its impact on the environment. From financial institutions, banking sector is playing an important role in this regard. Banking sector has introduced a concept of Green Banking (GB). State Bank of Pakistan (SBP) has recently issued guidelines regarding the adoption of green banking. This study attempts to identify the factors which affect bankers’ intension to adopt green banking. This study would prove to be helpful in identifying the most influencing factors towards adoption of green banking practices and in developing policies towards its adoption in Pakistan. Structured questionnaire based on a 7 point Likert scale as used for data collection from a sample of 300 respondents. Regression analysis was used to check the association among the variables. The result of study shows that all independent variables of study have shown significant association with dependent variable. Which means to some extent every independent factor is playing role in affecting bankers’ behavioral intension to adopt green banking. Result shows that perceived usefulness and perceived ease of use contribute more in predicting the Attitude toward use, which along with effort expectancy and performance expectancy are major contributing factors towards behavioral intention to adopt green banking practices.

scholarly journals Mobile Banking Adoption in the Millennial Customers: a Revised UTAUT Model

2020 ◽  
Vol 8 (6) ◽  
pp. 3570-3576
Keyword(s):  
Customer Value ◽  
Structural Equation ◽  
Equation Model ◽  
Mobile Banking ◽  
Services Research ◽  
Factors Affecting ◽  
Utaut Model ◽  
Intention To Adopt ◽  
Banking Service ◽  
Use Of Technology

Purpose-The paper aims at exploring the factors affecting intention to adopt and use mobile banking service apps in the generation Y customers’ by applying a revised unified theory of acceptance and use of technology (UTAUT) model. Research Design/methodology-The proposed model was empirically tested using a well-structured questionnaire and was further analyzed using structural equation model (SEM). Findings –The results of SEM suggest that performance expectancy, efforts expectancy, social influence, trust and reliability, security and facilitating conditions have a significant effect on shaping customers’ attitude and intention to adopt and use mobile banking services. Research limitations/implications –Limitations were found in the selected sample, the study was limited to respondents from a single selected city, and respondents from other cities were not included. In addition, results from this study may not be generalized to the whole population of millennials . Practical implications –This research identifies the factors that affect the intention to adopt mobile banking among the Generation Z users in Visakhapatnam city. Banking institutions can use the findings to develop competitive marketing strategies and services not only to attract potential customer and but to retain existing users customer value Originality/value –The outcome of this study will provide a better insight into the factors influencing intention and adoption of mobile banking service among users in a developing country in India, where the concept of mobile banking quickly gaining momentum.

scholarly journals Analysis of factors affecting adoption of mobile banking application in Indonesia: an application of the unified theory of acceptance and use of technology (UTAUT2)

2020 ◽  
Vol 12 (2) ◽  
pp. 88
Author(s):  
Mufingatun Mufingatun ◽  
Budi Prijanto ◽  
Himanshu Dutt
Keyword(s):  
Behavioral Intention ◽  
Partial Least Square ◽  
Least Square ◽  
Unified Theory ◽  
Mobile Banking ◽  
Factors Affecting ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Bank Accounts ◽  
Mobile Banking Applications

Information technology has made mobile banking easy, convenient and accessible to 178 million unique mobile subscribers base in Indonesia. Out of this 50 million are smartphone users and collectively about 132 million are internet users . This rising trend has been forcing 120 commercial banks  in the country to ramp up their mobile-based banking initiatives. However, in contrast to it, only 50 million have bank accounts out of 250 million Indonesian population size . This poses a few challenges to digital adoption using mobile as medium, especially when a limited number of people have bank accounts and the cost of internet is high due to geographical, infrastructural spread and cost barriers. The purpose of this study is to unearth such factors that have - direct or indirect - influence on consumer acceptance for mobile banking applications. This research model examines 205 respondents from online surveys in Jabodetabek, Indonesia. To conduct this study, we have used Unified Theory of Acceptance and Use of Technology (UTAUT2) model that helps in understanding perceived credibility and perceived self-efficacy variables and their roles in influencing the adoption for m-banking. Data was analysed using Partial Least Square (PLS) method. The findings suggest that performance expectancy, effort expectancy, and social influence have a significant effect on behavioral intention. Performance expectancy is the factor that mostly influences behavior intention. It can also be stated that behavioral intention, facilitating condition and habit – all of these have a significant effect on reuse behavior.

scholarly journals Analysis of Factors Affecting Adoption of Mobile Banking Application in Indonesia

2020 ◽  
Vol 10 (1) ◽  
pp. 31-44
Author(s):  
Mufingatun Mufingatun ◽  
Budi Prijanto
Keyword(s):  
Behavioral Intention ◽  
Partial Least Square ◽  
Least Square ◽  
Mobile Banking ◽  
Factors Affecting ◽  
Behavior Intention ◽  
Perceived Credibility ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Mobile Banking Applications

The development of information technology makes banking provide mobile banking service applications in Indonesia as an easy, convenient and fast service. However, there are still many customers who do not have a mobile banking account. In addition, the use of currency is still in demand by the soceity. Therefore, the purpose of this study is to determine the factors that influence consumer acceptance in the context of mobile banking applications. This study uses the Unified Theory of Acceptance and Use of Technology (UTAUT2) model which is modified by adding the variable perceived credibility and perceived self-efficacy. This research model was tested using 205 respondents from online surveys in the Jabodetabek, Indonesia. Data was analyzed using Partial Least Square (PLS).  Performance expectancy, effort expectancy, social influence has a significant effect on behavioral intention. Performance expectancy is the factor that most influences the behavior intention. Behavioral intention, facilitating condition and habit has a significant effect on reuse behavior.

Does gender differences play any role in intention to adopt Islamic mobile banking in Pakistan?

2018 ◽  
Vol 9 (2) ◽  
pp. 439-460 ◽  
Author(s):  
Muhammad Jamal Haider ◽  
Gao Changchun ◽  
Tayyaba Akram ◽  
Syed Talib Hussain
Keyword(s):  
Gender Differences ◽  
Banking Industry ◽  
Equation Modeling ◽  
Islamic Banking ◽  
Mobile Banking ◽  
Content Type ◽  
Factors Affecting ◽  
Competitive Edge ◽  
Intention To Adopt ◽  
Males And Females

PurposeTremendous growth and worldwide expansion of Islamic banking industry has gained widespread attention of economist, bankers, investors and financial experts regardless of economic and political volatility in global banking industry. To compete with conventional banking, Islamic banks are setting up themselves with innovative technologies to gain competitive edge and market share. The establishment of mobile banking has been proven a technological wonder by eliminating time and space boundaries, and one can access financial services anywhere and at any time. For effective market segmentation, recognizing gender differences in factors affecting the adoption patterns of m-banking may provide competitive edge. Therefore, this paper aims to investigate how gender differences impact the intention to adopt Islamic mobile banking in Pakistan.Design/methodology/approachThe study uses extended technology acceptance model (TAM) on final 243 participants from Pakistan. Confirmatory factor analysis (CFA) and structural equation modeling (SEM) methodology has been applied for data analysis using SPSS 21 and AMOS 21.FindingsResults have identified two interesting and different models for males and females in intention to adopt Islamic mobile banking. It is inferred that males are more task driven and desire for personality, value and status, so their intention is significantly impacted by perceived usefulness and perceived self-expressiveness. Whereas, females have found lack of IT knowledge and trust; therefore, their intention is significantly impacted by perceived credibility. However, the perceived financial cost was found of no concern for both males and females and social norms influenced the adoption, but there existed no significant gender differences.Originality/valueThe contribution of this study to existing literature is twofold. First, the existing research on mobile banking has mainly applied TAM on conventional banking overlooking the important ethnic group, the Muslims, who prefer Islamic banking. Second, the impact of gender differences is investigated in factors affecting intention to adopt Islamic mobile banking that has not been studied previously. The study fills the gap.

A Study on Factors Affecting on Customer Intention to Use the Express Bus

2018 ◽  
Vol 34 (5E) ◽  
Author(s):  
Phuong Nguyen Van ◽  
Hieu Trung Nguyen ◽  
Toan Bao Le
Keyword(s):  
Local Government ◽  
Service Quality ◽  
Behavioral Intention ◽  
Structural Equation ◽  
Perceived Value ◽  
Equation Model ◽  
Corporate Image ◽  
Organizational Image ◽  
Factors Affecting ◽  
Managerial Implications

The improvement of transit service quality is an essential role in developing urban and interstate transportation. The local government, as well as bus service companies, should understand the behavioral intention of passengers to meet their expectation and requirements. This paper aims to highlight such behavioral decision and investigate dominant factors that influence the customers’ decision to use the express bus. The study explores the case of express bus companies in Tay Ninh province, Vietnam. By using the structural equation model approach to analyze the data collected from 295 passengers, who have experienced in using the express bus, the results reveal that service quality has a significantly positive relationship with both perceived value and corporate image. Specifically, customer satisfaction and organizational image also positively influence behavioral intention. Meanwhile, service quality indirectly affects on behavioral intention throughout perceived value and corporate image. Based on the findings, we provided some insightful managerial implications and recommendations to managers of bus carriers, and valuable practical suggestions to policymakers in the local government of Tay Ninh province to improve the service quality to encourage more citizens to use the express bus.

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