Examining internet banking user’s continuance intention through the lens of technology continuance theory and task technology fit model

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Samar Rahi ◽  
Mazuri Abd Ghani
Keyword(s):  
User Satisfaction ◽  
Internet Banking ◽  
Perceived Usefulness ◽  
Matrix Analysis ◽  
Research Model ◽  
Continuance Intention ◽  
Content Type ◽  
Task Technology Fit ◽  
And Task ◽  
Expectation Confirmation

Purpose The long-term success of internet banking (IB) services is connected with continuous use. Therefore, examining factors which influence IB user continuance intention is important. Grounded in technology continuance theory, bank transparency and task technology fit (TTF) model, the purpose of this study is to develop a unified technology continuance model to investigate IB user continuance intention. Design/methodology/approach The research model was empirically tested with 348 responses. Respondents included in this study had prior experience with IB services. For hypotheses testing, the structural equation modelling approach was used. Findings Findings indicate that the research model has substantial power in explaining IB user continuance intention. Importance performance matrix analysis revealed that bank transparency had the highest importance in determining IB user continuance intention. Therefore, factors like user satisfaction and perceived usefulness have shown a medium level of importance in determining IB user continuance intention. Satisfaction is influenced by perceived usefulness and confirmation and established a significant impact on IB user continuance intention. Practical implications The findings of this research are useful for bank managers and policymakers to develop and design IB services according to user’s expectations. Results demonstrate that expectation confirmation and perceived usefulness are antecedents of IB user satisfaction and IB user continuance intention. In addition to that bank, transparency has shown a significant effect on user expectation and IB user continuance intention. These findings established that accuracy in sharing bank information and clarity in transaction charges encourage the user to continue the use of IB services. Originality/value The current study develops a unified technology continuance model based on the TTF model and technology continuance theory and investigates IB user continuance intention. Moreover, bank transparency is added in the technology continuance model and established a significant impact towards user expectation confirmation and continuance intention. These findings contribute to the limited body of research in the context of IB user continuance intention and enrich information system literature.

The post-adoption behavior of internet banking users through the eyes of self-determination theory and expectation confirmation model

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Samar Rahi ◽  
Majeed Mustafa Othman Mansour ◽  
Malek Alharafsheh ◽  
Mahmoud Alghizzawi
Keyword(s):  
Internet Banking ◽  
Self Determination ◽  
Financial Advisors ◽  
Research Model ◽  
Continuance Intention ◽  
Banking Services ◽  
Content Type ◽  
Use Of Internet ◽  
Internet Banking Services ◽  
Expectation Confirmation

PurposeIn this era of digital technology, the banking sector has revolutionized its operations by using web-based Internet banking services. However, the success of these financial services is dependent on Internet banking user continuance intention instead of initial adoption. The current study develops a theoretical framework based on three well-known theories, namely the expectation–confirmation theory, self-determination theory (SDT) and the commitment trust theory, to investigate Internet banking user continuance intention towards use of Internet banking services.Design/methodology/approachFollowing positivist paradigm, a research survey was conducted towards Internet banking users of commercial banks. In response, 355 valid observations were retrieved and used for data analysis. For data analysis, this study has used a latest statistical approach, namely structural equation modelling (SEM).FindingsThis study has confirmed that factors underpinning the commitment trust theory, SDT and expectation–confirmation model have significant impact on Internet banking user continuance intention. The research model explained 68.4% of variance in determining Internet banking user continuance intention, which is substantial. The effect size analysis (f2) indicates that perceived usefulness is the most important factor among all other exogenous variables. The predictive relevance of the research model was found substantial Q2 50.3%. These findings confirmed that the research model has substantial power to predict Internet banking user continuance intention.Practical implicationsFrom a managerial perspective, findings of this research give deeper insight into financial advisors, bank managers and policy- makers to understand human motivation and expectation–confirmation factors in order to retain customers and gain return on Information Technology (IT) investment. Additionally, results suggest that attention should be given on user trust, which in turn boosts user intention towards continuance use of Internet banking services. Extension of the self-determination framework contributes to theory and augments e-commerce literature, especially in a post-adoption setting.Originality/valueThere are several studies that investigate Internet banking user pre-adoption behaviour. Therefore, less is discussed about the Internet banking user’s post-adoption behaviour. Findings of this study help financial advisors to comprehensively understand which factor influences Internet banking user behaviour towards continue use of Internet banking services.

Extension of technology continuance theory (TCT) with task technology fit (TTF) in the context of Internet banking user continuance intention

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Samar Rahi ◽  
Mubbsher Munawar Khan ◽  
Mahmoud Alghizzawi
Keyword(s):  
Internet Banking ◽  
Research Model ◽  
Continuance Intention ◽  
Banking Services ◽  
Content Type ◽  
Integrated Technology ◽  
Task Technology Fit ◽  
Use Of Internet ◽  
Internet Banking Services ◽  
Practical Implications

PurposeThe advancement in Internet technology has played a significant role in revolutionizing the Internet banking services. Therefore, little is discussed about factors that motivate technology user to continue the use of Internet banking services. The current study investigates Internet banking user continuance behavior toward the use of Internet banking services with the integration of two-well known information system (IS) theories namely task technology fit (TTF) and technology continuance theory (TCT).Design/methodology/approachThe research design of this study is based on positivist paradigm and followed quantitative research approach. Data were collected from 360 Internet banking users of commercial banks across Pakistan. The research model was tested with structural equation modeling (SEM).FindingsThe research model had explained 53.9% variance in Internet banking user continuance intention. Next to this, the predictive relevance of the research model was tested with Stone-Geisser's Q² values using blindfolding procedure. Results revealed that the newly developed integrated technology continuance research model has substantial power to predict Internet banking user continuance intention. Moreover, the effect size analysis revealed that factors like satisfaction and user expectation were the most important factors in determining Internet banking user continuance intention.Practical implicationsFor practical implications importance performance matrix analysis (IPMA) has used to see the importance and performance of the underpinned factors. Findings indicate that managers and policy makers should focus on user satisfaction, perceived usefulness and expectation confirmation in order to enhance the Internet banking user continuance intention toward the use of Internet banking services. Some of the ways banks can do this is to develop esthetic Internet banking website with charm of novelty, relevant information and smooth flows with less complex redirects.Originality/valueUnlike prior studies that focus on Internet banking user pre-adoption issues, the current study examines post-adoption issue of Internet banking users and investigates Internet banking user continuance intention. This study is significant as it integrates two-well known theories namely TCT and TTF in Internet banking user continuance intention and augments the IS literature by developing an integrated technology continuance model (TCM).

Mobile Banking Continuance Intention

2021 ◽  
Vol 14 (1) ◽  
pp. 55-69
Author(s):  
Mousa Ahmed Albashrawi
Keyword(s):  
Interaction Effect ◽  
User Satisfaction ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Continuance Intention ◽  
Factors Affecting ◽  
Practical Implications ◽  
Expectation Confirmation

User satisfaction is crucial to reinforce continued usage intention of mobile banking (MB). Since IS literature has overlooked continued usage intention of MB and its significance to reflect the success of MB system, it would be important to further the research in this area. This study employs both customization and security, two concerned factors among customers, to examine their impact on satisfaction and MB continuance intention. Extended expectation-confirmation model in IT domain (ECM-IT), developed from TAM and ECM, is used to evaluate the factors affecting satisfaction which in turn affects MB continuance intention. With a sample of a mid-sized US bank customers, regression results reveal that efficiency quality with its underlying factors of perceived usefulness and perceived ease of use are significant predictors of satisfaction. The interaction effect is significant for customization, but not for security. Theoretical and practical implications are communicated.

Understanding Chinese Undergraduates’ Continuance Intention to Use Mobile Book-Reading Apps: An Integrated Model and Empirical Study

Libri ◽  
2016 ◽  
Vol 66 (2) ◽  
Author(s):  
Jiming Hu ◽  
Yin Zhang
Keyword(s):  
Empirical Study ◽  
Technology Acceptance ◽  
User Satisfaction ◽  
Integrated Model ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Book Reading ◽  
Continuance Intention ◽  
Chinese Undergraduates ◽  
Expectation Confirmation

AbstractMost existing research on usage behaviour of mobile book-reading applications (apps) has focused on exploring users’ initial acceptance; there has been a lack of understanding of the factors that affect user loyalty towards mobile book-reading apps that would reveal Chinese undergraduates’ behaviour patterns in using mobile apps. This study was designed to fill this gap by investigating Chinese undergraduates’ continuance intentions towards mobile book-reading apps. The study employed the expectation-confirmation model and technology acceptance model in conjunction with the perception of experiential value to derive an integrated model, followed by an empirical study to validate the model and better understand usage intention of the users of mobile book-reading apps. Survey data were collected from 390 Chinese undergraduates who had previous experience with mobile book-reading apps. The research model was examined using the SmartPLS 2.0 software. Structural equation modelling was used for hypotheses testing and path analysis was used to present the analytical results. The results of this study suggest that perceived usefulness and satisfaction directly influence continuance intention. User satisfaction plays a crucial intervening role in continuance intention from perceived usefulness, perceived ease of use, and confirmation of users’ expectations. User satisfaction is significantly influenced by expectation confirmation and perceived usefulness, as well as the perceived experiential values. The integrated model in this study successfully establishes the key factors that contribute to continuance intention towards mobile book-reading apps; the model offers a lens for understanding Chinese undergraduates’ apps use behaviour that has practical applications for developing better and more sustainable mobile book-reading apps among this user group.

MFS usage intention during COVID-19 and beyond: an integration of health belief and expectation confirmation model

2022 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Farjana Nur Saima ◽  
Md. H. Asibur Rahman ◽  
Ratan Ghosh
Keyword(s):  
Self Efficacy ◽  
Service Providers ◽  
Health Belief ◽  
Perceived Usefulness ◽  
Continuance Intention ◽  
Content Type ◽  
Perceived Credibility ◽  
Continuance Usage ◽  
Continuance Usage Intention ◽  
Expectation Confirmation

Purpose The usage rate of mobile financial services (MFS) has shown an uptick since the emergence of the COVID-19 pandemic in Bangladesh. This study aims to reveal the underpinning reasons for such MFS surge and its continuance by integrating health belief model (HBM) and expectation confirmation model (ECM).Design/methodology/approach The study analyzes 529 MFS users' responses during the second wave of the COVID-19 outbreak in Bangladesh using the partial least square method.Findings Satisfaction is more predictive than perceived usefulness in explaining continuance usage intention. Expectation confirmation also indirectly affects continuance intention. Among the HBM constructs, the indirect effect of perceived severity on continuance intention via perceived usefulness and satisfaction is significant. Besides, the impact of self-efficacy on continuance intention is also significant. Moreover, perceived credibility significantly affects satisfaction and indirectly affected continuance usage intention via satisfaction.Practical implications The study projects boosting customers' satisfaction is critical for the successful retention of existing MFS customers. MFS service providers should emphasize the factors that amplify satisfaction. They must evaluate preadoption factors so that customers can have positive confirmation. Especially, the service providers, the policymakers and the regulators should take an active role in improving the users' self-efficacy and the system's credibility. Undertaking the MFS literacy program, installing hotline service to provide emergency help will boost users' confidence in using the system.Originality/value The study is a unique contribution in the context of Bangladesh. To the best of the authors’ knowledge, no previous MFS studies in Bangladesh explored MFS continuance usage intention during COVID-19 and beyond. Besides, the inclusion of “perceived credibility” in the framework will supplement the earlier studies conducted on this aspect.

Determinants of continuance intention to use the smartphone banking services

2016 ◽  
Vol 116 (3) ◽  
pp. 508-525 ◽  
Author(s):  
Aries Susanto ◽  
Younghoon Chang ◽  
Youngwook Ha
Keyword(s):  
User Satisfaction ◽  
Design Methodology ◽  
Mobile Internet ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Continuance Intention ◽  
Banking Services ◽  
Content Type ◽  
Perceived Security ◽  
Do So

Purpose – Existing research in the electronic banking area has not deeply investigated the determinants of continuance intention to use smartphone banking services. The purpose of this paper is to attempt to do so by investigating continuance use intention at the post-consumption phase. Design/methodology/approach – It developed and validated an extended framework based on the expectation-confirmation model (ECM). A total of 301 smartphone users who subscribed to online banking services participated in the study. Findings – The results revealed that users’ confirmation after the initial use of smartphone banking services has significant impact on perceived security, perceived usefulness, trust, and user satisfaction. Perceived security significantly influences trust while perceived usefulness significantly influences trust, user satisfaction, and continuance use intention. Both user satisfaction and self-efficacy also significantly influence continuance use intention. Trust exerts significant impact on user satisfaction. The findings have implications for banks in planning their strategies to increase consumers’ continuance intention to use smartphone banking services. Originality/value – Most studies have focussed only technology adoption and have paid little attention on use continuance in the context of electronic or smartphone banking. This manuscript fills the gap by focussing on the post-consumption phase. In special, the manuscript develops an extended framework based on the ECM to address IS use continuance. In addition, the topic is timely as mobile internet has been flourishing in the world.

Will robo-advisors continue? Roles of task-technology fit, network externalities, gratifications and flow experience in facilitating continuance intention

Kybernetes ◽  
2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Yung-Ming Cheng
Keyword(s):  
Psychological Factors ◽  
Network Externalities ◽  
Flow Theory ◽  
End Users ◽  
Flow Experience ◽  
Research Model ◽  
Continuance Intention ◽  
Content Type ◽  
Task Technology Fit ◽  
Adoption Model

Purpose The purpose of this study is to propose a synthetic post-adoption model based on the expectation-confirmation model (ECM) and flow theory to examine whether the fit factor, network factors and psychological factors as antecedents to end-users’ beliefs can affect their continuance intention of the robo-advisor. Design/methodology/approach This study used the research model based on ECM and flow theory to examine the effects of the fit factor, network factors and psychological factors on end-users’ beliefs and continuance intention of the robo-advisor. Sample data were collected from end-users at three financial services companies in Taiwan. A total of 450 questionnaires were distributed and 360 (80.0%) usable questionnaires were analyzed using structural equation modeling. Findings This study proposes a solid research model that based on ECM and flow theory, three types of factors, namely, fit factor, network factors and psychological factors, as antecedents to end-users’ continuance intention of the robo-advisor have been examined and this study’s results strongly support the research model with all hypothesized links being significant. Originality/value It is particularly worth mentioning that a synthetic post-adoption model can be proposed in this study by introducing the fit factor extracted from task-technology fit model, network factors originated from the theory of network externalities and psychological factors derived from uses and gratifications theory as antecedents to perceived usefulness, confirmation, satisfaction and continuance intention referred in ECM and flow experience derived from flow theory. Thus, this study’s research model and findings can reveal deep insights into the evaluation of determinants in the field of end-users’ continuance intention of the robo-advisor.

User communication behavior in mobile communication software

2016 ◽  
Vol 40 (7) ◽  
pp. 1071-1089 ◽  
Author(s):  
Kuan-Yu Lin
Keyword(s):  
Mobile Communication ◽  
User Satisfaction ◽  
Research Model ◽  
Continuance Intention ◽  
Content Type ◽  
Perceived Needs ◽  
Technological Characteristics ◽  
Communication Software ◽  
Motivational Needs ◽  
Intention To Continue

Purpose The purpose of this paper is to develop a research model examining users’ perceived needs-technology fit of mobile communication software through motivational needs and technological characteristics. The study investigated the effects of perceived needs-technology fit on user satisfaction and intention to continue using mobile communication software. Design/methodology/approach This study proposes a research model based on task-technology fit theory and uses and gratification theory, incorporating key determinants of users’ continuance intention toward mobile communication software. An online survey instrument was developed to collect data, and 403 questionnaires were used to test the relationships in the proposed model. Findings The causal model was validated using AMOS 21.0, and all nine study hypotheses were supported. The results indicated that users’ perceived needs-technology fit and satisfaction were crucial antecedents of their intention to continue using mobile communication software and that they mediated the influence of users’ needs as well as technological characteristics. Practical implications Mobile communication software practitioners should focus on enhancing users’ perceived needs-technology fit through motivational needs (utilitarian, hedonic, and social needs) and technological characteristics (mobile convenience, service compatibility, and user control) to further boost user satisfaction and intention to continue using mobile communication software services. Originality/value This study contributes to a theoretical understanding of factors explaining users’ continuance intention toward mobile communication software.

Integration of expectation confirmation theory and self-determination theory in internet banking continuance intention

2019 ◽  
Vol 10 (3) ◽  
pp. 533-550 ◽  
Author(s):  
Samar Rahi ◽  
Mazuri Abd. Ghani
Keyword(s):  
Self Determination Theory ◽  
Internet Banking ◽  
Integrated Model ◽  
Self Determination ◽  
Equation Modeling ◽  
Confirmation Theory ◽  
Continuance Intention ◽  
Business World ◽  
Content Type ◽  
Expectation Confirmation

Purpose The expansion of information technology (IT) has become a great challenge in the business world today. Benefits from IT investment are only realized through sustained usage, rather than initial acceptance. Therefore, designing strategies continuously attracting user retention is the most critical and general question in IT global market. This paper aims to develop an integrated model that combines two well-known theories expectation confirmation theory (ECT) and self-determination theory (SDT) to determine customer’s continuance intention toward use internet banking. Design/methodology/approach A total number of 398 customers of commercial banks participated in this research. The research model was empirically tested using structural equation modeling. Findings The findings reveal that both ECT and SDT have significant influence in a customer’s continuance usage intention. The integrated model has good explanatory power (76.3%) to predict customer’s continuance intention toward use of internet banking. Additionally, importance performance matrix analysis indicates that intrinsic regulation and customer’s satisfaction are the most important factors to determine internet banking user’s continuance intention. Practical implication Internet banking users will be intrinsically motivated only for those activities that generate intrinsic interest for them, activities that have the charm of novelty, challenge or aesthetic significance. Thus, understanding banking customer intrinsic values should be a priority for managers and policymakers. Theoretically, integration of two well-known theories, ECT and SDT, provide basis for further refinement of technology continuance model in emerging e-payment domain. Originality/value This study is different from several traditional studies that had investigated initial acceptance of internet banking. In contrast, this study provides a comprehensive analysis of customer’s behavior in continuance intention context with technology (ECT) and motivational factors (SDT).

scholarly journals Does MOOC Quality Affect Users’ Continuance Intention? Based on an Integrated Model

2021 ◽  
Vol 13 (22) ◽  
pp. 12536
Author(s):  
Wei Gu ◽  
Ying Xu ◽  
Zengjun Sun
Keyword(s):  
Service Quality ◽  
User Satisfaction ◽  
Dropout Rate ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Intention To Use ◽  
System Quality ◽  
Continuance Intention ◽  
User Expectations ◽  
Expectation Confirmation

Massive open online course (MOOC) is an innovative educational model that has attracted widespread attention in recent years. Despite a growing number of registered users, many have given up continuously using MOOC platforms after the first-time user experience; thus, a high dropout rate has severely hindered the sustainable development of MOOC platforms. To address the problem, this study started with the quality factors of MOOC platforms and the confirmation of user expectations by integrating the D&M ISS model and the expectation confirmation model into one, with the goal of identifying the factors that affect users’ continuance intention to use MOOC platforms. In this study, online questionnaires were distributed to Chinese users with experience in using MOOC platforms, and a total of 550 valid samples were recovered. In addition, the theoretical model was tested using structural equation modeling (SEM). The research results showed that there are three critical antecedents affecting the confirmation of user expectations for a MOOC platform, including information quality, system quality, and service quality, of which service quality has the greatest impact on users’ expectation confirmation. If user expectations for an MOOC platform are positively confirmed, the perceived usefulness of the platform as well as the satisfaction with it will effectively be improved. Moreover, perceived usefulness has been proven to be a critical factor affecting users’ continuance intention to use MOOC platforms, which is followed by user satisfaction. Compared to the original ECM, the integrated research model has delivered significantly improved explanatory power for users’ continuance intention. Hence, this study makes up for the insufficiency of ECM in explaining the factors affecting users’ expectation confirmation and provides theoretical support for MOOC platform developers.

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