A study of mobile banking usage in Iran

2015 ◽  
Vol 33 (6) ◽  
pp. 733-759 ◽  
Author(s):  
Hossein Mohammadi
Keyword(s):  
Self Efficacy ◽  
Structural Equations ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Content Type ◽  
Moderating Variables ◽  
Mediating Role ◽  
Negative Effect

Purpose – The purpose of this paper is to explore barriers, the mediating role of usability and the moderating effects of self-efficacy and perceived image on consumers’ attitudes toward use of mobile banking (MB) in Iran. Design/methodology/approach – Based on the consumer data collected through a survey, structural equations modeling and path analysis were employed to test the research model. Findings – The results revealed that “system compatibility” was found to be the main factor affecting users’ attitudes toward use of MB. “Resistance” showed a significant negative effect on both ease of use and usefulness. “Perceived usefulness” mediated the relationship between ease of use and users’ attitudes. At last, contrary to self-efficacy which showed no significant effect, perceived image moderated the relationships between usefulness and attitude. Research limitations/implications – The sample was only composed of MB users and non-users were not studied. Originality/value – Past studies have seldom examined the role of individual drivers like self-efficacy and social drivers like perceived image as moderating variables in the context of developing countries.

The moderating role of individual and social factors in Internet banking loyalty: an exploratory study

2014 ◽  
Vol 8 (3) ◽  
pp. 420-446 ◽  
Author(s):  
Hossein Mohammadi
Keyword(s):  
Self Efficacy ◽  
Internet Banking ◽  
Structural Equations ◽  
Subjective Norms ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Content Type ◽  
Personal Innovativeness ◽  
Mediating Role

Purpose – The purpose of this paper is to explore barriers; the mediating role of usability; and the moderating effects of subjective norms, personal innovativeness, self-efficacy and perceived image on users’ attitudes toward loyalty to Internet banking (IB) in Iran. Design/methodology/approach – Based on the consumer data collected from a survey, structural equations modeling and path analysis were used to test the research model. Findings – The results revealed that “low perceived usefulness” and “low perceived ease of use” both had negative effects on users’ attitudes. “Low awareness” and “low system compatibility” were found to be the main factors impeding users’ attitudes toward loyalty to IB. “Perceived usefulness” showed no mediating role in the relationship between ease of use and users’ attitudes. At last, all concerned moderators moderated the relationships between ease of use/usefulness and users’ attitudes. Research limitation/implication – The sample was only composed of IB users of one Iranian bank, and non-users were not studied. Originality/value – Past studies have seldom examined the role of individual drivers such as personal innovativeness and self-efficacy and social drivers such as subjective norms and perceived image as moderating variables in the context of developing countries.

Determinants of consumers’ intention to adopt mobile banking services in Zimbabwe

2017 ◽  
Vol 35 (6) ◽  
pp. 997-1017 ◽  
Author(s):  
Charles Makanyeza
Keyword(s):  
Self Efficacy ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Behavioural Intention ◽  
Relative Advantage ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Banking Services ◽  
Content Type ◽  
Intention To Adopt

Purpose The purpose of this paper is to investigate the determinants of consumers’ intention to adopt mobile banking services in Zimbabwe. Design/methodology/approach A survey of 232 bank customers was conducted in Chinhoyi, Zimbabwe, using a structured questionnaire with Likert-type questions. Customers were randomly intercepted as they walked out of five major banks. Structural equation modelling, independent-samples t-test and one-way ANOVA were used to test research hypotheses. Findings The study found that perceived usefulness, perceived self-efficacy, social influence, relative advantage and perceived compatibility all have a positive effect, whilst perceived risk has a negative effect on behavioural intention to adopt mobile banking services in Zimbabwe. Perceived ease of use, facilitating conditions, perceived complexity, perceived trialability, awareness-knowledge and demographic factors (gender, age, education and income) did not significantly influence behavioural intention to adopt mobile banking. Perceived ease of use was found to positively influence perceived usefulness, while perceived self-efficacy was found to have a positive effect on perceived ease of use. Behavioural intention was found to positively influence usage of mobile banking services in Zimbabwe. Research limitations/implications Data were collected from bank customers in Chinhoyi, one of the emerging towns in Zimbabwe. Future research should be expanded to include other major cities in Zimbabwe and other countries. More similar studies should be conducted to test the factors identified in literature in different contexts and markets and on other innovations. Practical implications The study advises banks to pay particular attention to perceived usefulness, perceived self-efficacy, social influence, relative advantage, perceived compatibility and perceived risk when designing new mobile banking services. Originality/value There is not a unified position regarding factors influencing mobile banking adoption. Factors vary with contexts, markets, time and types of innovations. The study tested some major factors identified in literature in the context of Zimbabwe.

Reconsidering the “what is beautiful is good” effect

2019 ◽  
Vol 37 (7) ◽  
pp. 1525-1546 ◽  
Author(s):  
Walid Chaouali ◽  
Imene Ben Yahia ◽  
Renaud Lunardo ◽  
Abdelfattah Triki
Keyword(s):  
Design Methodology ◽  
Perceived Usefulness ◽  
Mediating Effect ◽  
Good Effect ◽  
Mobile Banking ◽  
Persuasion Knowledge ◽  
Content Type ◽  
Mediating Role ◽  
Mobile Banking Applications

Purpose Applying the stimulus–organism–response model, the purpose of this paper is to analyse the influence of design aesthetics (stimulus) on adoption and recommendation intentions (response) of mobile banking applications through the mediating role of perceived usefulness and trust (organism). Importantly, this research further examines the moderating effect of persuasion knowledge, which attenuates the effects of design aesthetics on perceived usefulness and trust. Design/methodology/approach A survey is conducted with the help of panellist among a sample of 213 bank customers who are not yet users of mobile banking. Data are analysed using the PROCESS macro. Findings The results show that design aesthetics positively influence perceived usefulness and trust. These variables, in turn, positively affect adoption and recommendation intentions of mobile banking applications. Interestingly, the findings also demonstrate that persuasion knowledge moderates the effects of design aesthetics on perceived usefulness and trust, as well as their mediating effect. Originality/value Because the results demonstrate that persuasion knowledge weakens the effects of design aesthetics on perceived usefulness and trust, the originality of this research rests upon its reconsideration of the “what is beautiful is good” effect and the questioning of the supremacy of this effect. These results provide insights for academics to better explain and increase adoption and recommendation intentions. Moreover, the results can help banking practitioners to improve their policies and strategies pertaining to mobile banking applications.

Understanding the determinants of mobile banking continuance usage intention

2019 ◽  
Vol 32 (6) ◽  
pp. 1015-1033 ◽  
Author(s):  
Behzad Foroughi ◽  
Mohammad Iranmanesh ◽  
Sunghyup Sean Hyun
Keyword(s):  
Self Efficacy ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Continuance Intention ◽  
Content Type ◽  
Channel Preference ◽  
Channel Preferences

Purpose The quality of people life and efficiency of banks can be improved by mobile banking (m-banking). The long-term success of m-banking depends on its constant use. The purpose of this paper is to investigate the determinants of m-banking continuance intention to use, using the technology continuance theory (TCT) by including the self-efficacy and channel preference. Design/methodology/approach Empirical data from 369 Malaysian users who had prior experience with mobile banking were analysed, using partial least squares technique. Findings The results confirmed that the TCT model had a high exploratory power in explaining users’ perceived usefulness (PU), satisfaction, attitude and intentions to continue to use m-banking. Furthermore, self-efficacy and channel importance were important drivers of continuance intention in the context of m-banking. According to the results, perceived ease of use has no effect on PU and attitude in the post-adoption stage. Practical implications The findings help bank managers to understand the importance of meeting customers’ needs and expectations as a prerequisite in enhancing their satisfaction and favourable attitude towards m-banking and consequently their continuance intention. Originality/value Based on the TCT model, this study contributes to the limited body of research on continuance intention to use m-banking. Furthermore, self-efficacy and channel preferences were added to the TCT model and the results confirmed the importance of enriching the TCT model to explain continuance intention to use information systems by adding contextual factors.

The intentions of Lebanese consumers to adopt mobile banking

2016 ◽  
Vol 34 (3) ◽  
pp. 327-346 ◽  
Author(s):  
Mehmet Haluk Koksal
Keyword(s):  
Self Efficacy ◽  
Design Methodology ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Content Type ◽  
Perceived Credibility ◽  
Normative Pressure ◽  
Willingness To Adopt ◽  
Structured Questionnaire

Purpose – The purpose of this paper is to identify the factors that differentiate customers with high intentions to adopt mobile banking from others. This study examined the effect of perceived usefulness, ease of use, perceived credibility, trust, normative pressure, self-efficacy, compatibility, and trialability. It also included demographics as control variables. Design/methodology/approach – The data were collected using the snowball approach. The respondents filled in a structured questionnaire in February 2014 in Beirut, Lebanon. In total, 800 responses were received, 776 of which were completed and analysed. Findings – This study showed that perceived compatibility, trialability, perceived usefulness, ease of use, perceived credibility, and trust positively and significantly discriminate high-mobile banking adopters from low adopters. This study also found that perceived self-efficacy separates customers through their willingness to adopt mobile banking. Originality/value – Although a handful of studies examined the adoption of mobile banking, the factors differentiating customers with high-adoption intentions from other customers have not been extensively addressed in the literature. In an attempt to at least partially address these factors, this study attempts to identify those that lead to high-adoption intentions in Lebanon.

An analysis of factors affecting mobile banking adoption

2019 ◽  
Vol 38 (2) ◽  
pp. 352-367 ◽  
Author(s):  
Samer Elhajjar ◽  
Fadila Ouaida
Keyword(s):  
Digital Literacy ◽  
Perceived Risk ◽  
Resistance To Change ◽  
Structural Equations ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Content Type ◽  
Factors Affecting ◽  
Personal Innovativeness

Purpose The purpose of this paper is to develop a conceptual model that explains the most important factors affecting mobile banking adoption for Lebanese banking customers. Design/methodology/approach Based on the data collected through a survey, structural equations modeling and path analysis were utilized to test the hypotheses. In total, 320 questionnaires were collected from Lebanese customers. Findings The results show that digital literacy, resistance to change, perceived risk, perceived ease of use, and perceived usefulness were found to be the main variables affecting users’ attitudes toward adoption of mobile banking, whereas awareness and compatibility showed no significant impact on adoption. In addition, both subjective norms and personal innovativeness influenced users’ adoption moderated the relationships between usefulness attitude and ease of use attitude. Originality/value The study fills a gap in the literature by exploring e-readiness influence on adoption through testing the variable “digital literacy” and by examining the effect of the frequency of branch visits on the intention to adopt mobile banking. Social and individual variables, such as social influence and personal innovativeness, which were rarely examined in past studies, are employed in this research. All of our respondents were actual bank account holders.

The path of support-to-sales: mediating role of seller collaborative information exchange in social commerce

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Li Chen ◽  
Fengxia Zhu ◽  
Murali Mantrala
Keyword(s):  
Information Exchange ◽  
Instrumental Support ◽  
Trade Volume ◽  
Social Commerce ◽  
Content Type ◽  
Mediating Role ◽  
The Social ◽  
Source Data ◽  
Negative Effect

Purpose This paper aims to systematically investigate the direct and indirect effects of four types of support – peer instrumental support, peer emotional support, platform business support and platform communication support – on seller trade volume in social commerce. It also aims to uncover the path of support-to-sales of the seller from a platform perspective and provides a more complete picture of the social commerce phenomenon. Design/methodology/approach This paper uses multi-source data including primary survey data and secondary data on trade volume to test the hypotheses. PROCESS mediation model is used to analyze the multi-source data set. Findings This study finds that the positive effects of peer instrumental support, platform business support and platform communication support on seller trade volume are fully mediated by seller collaborative information exchange. Also, peer emotional support has a significant negative effect on seller trade volume and collaborative information exchange can serve as a buffer to mitigate the negative effect. Research limitations/implications The authors provide new insights into what types of support are or are not conducive to improving transaction volume of individual sellers and highlight the mediating role of seller information exchange in this value generation process in social commerce. These findings advance current knowledge of how seller interactions increase value in social commerce. The chosen research setting may limit the generalizability of the findings of this study. Practical implications This paper offers valuable implications for social commerce platforms on how to better serve their sellers to achieve high growth. Specifically, the findings suggest that platforms should encourage instrumental support and information exchange among peer sellers. In addition, platforms should expand seller support from a single-focus on sellers’ business to a dual-focus on both sellers’ business and socialization in social commerce. Originality/value This paper fulfills an identified need to study how sellers can better derive value from the social interactions and how social commerce platforms can effectively influence transactions, support sales and serve as a selling platform.

Self-efficacy and continuance intention of Web 2.0 platforms: a meta-analysis

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Zheshi Bao ◽  
Bo Shang
Keyword(s):  
Web 2.0 ◽  
Self Efficacy ◽  
Meta Analysis ◽  
Continuance Intention ◽  
Content Type ◽  
Moderating Variables ◽  
Quantitative Measurements ◽  
And Gender ◽  
The Relationship

PurposeAlthough many studies show that self-efficacy and continuance intention of Web 2.0 platforms are positively and significant correlated, others reveal some different findings. To clarify this line of research, this study further investigates the effect of self-efficacy on continuance intention and meanwhile examines some moderating variables in this process.Design/methodology/approachA meta-analysis method was employed to examine the literature containing quantitative measurements of both self-efficacy and continuance intention of Web 2.0 platforms. A total of 31 effects sizes (N = 9,084) were reviewed.FindingsThe results indicate medium-sized positive correlation between self-efficacy and continuance intention of Web 2.0 platforms. Further moderation analysis shows that such medium-sized link differed across measures of Web 2.0 platform types, target respondent differences and gender of participants. Specifically, this correlation is largest for transaction-socialization platforms and smallest for experience-socialization platforms. For university-student respondents, the role of self-efficacy in affecting continuance intention is less important than general members of Web 2.0 platforms. Finally, as the percentage of female participants increases, a weaker effect size will be observed.Originality/valueThis study clarifies empirical research regarding users' self-efficacy and their continuance intention. Meanwhile, sources of inter-study variability have been identified by addressing moderator variables in the relationship between self-efficacy and continuance intention of Web 2.0 platforms, which provides directions for future explorations in this area.

Organizational identification and employees’ innovative behavior: the mediating role of work engagement and the moderating role of creative self-efficacy

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Guangning Zhang ◽  
Yingmei Wang
Keyword(s):  
Work Engagement ◽  
Organizational Identification ◽  
Self Efficacy ◽  
Innovative Behavior ◽  
Content Type ◽  
Mediating Role ◽  
Creative Self ◽  
The Relationship ◽  
Moderating Role

Purpose This study aims to investigate the effect of organizational identification to employees’ innovative behavior, the mediating role of work engagement and the moderating role of creative self-efficacy in the relationship between organizational identification and employees’ innovative behavior. Design/methodology/approach This study adopted questionnaires to gather data. The sample of 289 employees working in diverse organizations in China was applied to examine the hypotheses. Findings The results indicates that organizational identification is positively related to employees’ innovative behavior and work engagement mediates the relationship between organizational identification and employees’ innovative behavior. In addition, creative self-efficacy enhances the relationship of work engagement and employees’ innovative behavior. Originality/value This study builds a system from psychological aspect to behavior, which includes the effect of individual cognition to explain the mechanism of organizational identification on employees’ innovative behavior.

Improving performance through leaders' forgiveness: the mediating role of radical innovation

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Emilio Domínguez-Escrig ◽  
Francisco Fermín Mallén Broch ◽  
Ricardo Chiva Gómez ◽  
Rafael Lapiedra Alcamí
Keyword(s):  
Organizational Performance ◽  
Explanatory Variable ◽  
Radical Innovation ◽  
Structural Equations ◽  
Content Type ◽  
Mediating Role ◽  
Firm Turnover ◽  
The Relationship ◽  
Practical Implications

PurposeThe objective of this study is to analyze the relationship between leaders' forgiveness and organizational performance using radical innovation as an explanatory variable.Design/methodology/approachThe study was conducted in a sample frame of 11,594 Spanish companies. A total of 600 valid questionnaires were obtained. The structural equations were used to validate the proposed hypotheses.FindingsResults confirmed the hypotheses proposed in the model: the authors provided, through structural equations, empirical evidence of the relationship between leaders' forgiveness and organizational performance, mediated by radical innovation. Leaders' forgiveness promotes radical innovation and, in turn, performance.Research limitations/implicationsThe sample of companies is heterogeneous in terms of firm turnover, size and age. The study is focused on radical innovation.Practical implicationsThe present study may help to develop more humane policies to manage human resources, by taking into account employees' feelings and needs.Originality/valueThe business field is closer to competitive values and has traditionally underestimated the importance of leaders' forgiveness. This is one of the few studies that empirically analyze the consequences of leaders' forgiveness within organizations.

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