scholarly journals Mobile banking services adoption in Pakistan: are there gender differences?

2017 ◽  
Vol 35 (7) ◽  
pp. 1090-1114 ◽  
Author(s):  
Richard Glavee-Geo ◽  
Aijaz Ahmed Shaikh ◽  
Heikki Karjaluoto
Keyword(s):  
Gender Differences ◽  
Technology Acceptance ◽  
Group Analysis ◽  
Adoption Process ◽  
Mobile Banking ◽  
Banking Services ◽  
Men And Women ◽  
Content Type ◽  
Adoption Intention

Purpose The purpose of this paper is to provide a comprehensive insight into the deciding factors affecting an individual’s intention to adopt mobile banking (m-banking) services in Pakistan. Design/methodology/approach A survey approach was used with a sample of 189 responses from across Pakistan. Multi-group analysis was performed in order to detect gender differences among men and women in the process of adopting m-banking. Findings The paper found support for the positive effect of perceived behavioral control (PBC) and attitudes (ATT) toward m-banking adoption intentions. Significant differences between men and women were found to affect subjective norms (SN) on adoption intention, even though the combined sample of men and women was insignificant. The effect of SN on m-banking adoption is stronger for women than for men. Interestingly, the paper provides contradictory findings on the role of PBC on adoption intention. The effect of PBC on m-banking adoption intention was found to be significantly stronger for men than for women. Practical implications The results present implications of consumer behavior and marketing communication for bank marketing. Although men and women do not differ in their ATT toward m-banking service adoption in general, the succinct nuance between men and women in terms of the influence of SN and PBC with adoption intention calls for a strategic reorientation of how men and women as consumers of m-banking services should be appropriately segmented, targeted and communicated. The formulation of marketing strategies to target potential consumers and to reinforce the usefulness of m-banking to existing consumers should not be “one size fits all.” The marketing of m-banking services to segments of men and women should be approached strategically in order to increase adoption rates in developing/emerging economies. Originality/value This is the first study on m-banking services adoption in Pakistan to examine the role of gender in the innovation adoption process. The differences between the two genders and the insightful results that we found in our study help shed light on the uniqueness of the context. This study is also one of the first to test a combined technology acceptance model and theory of planned behavior model in the context of m-banking adoption in a developing country using a variance-based modeling technique.

Quantifying gender distances in education, occupation and employment

2017 ◽  
Vol 36 (4) ◽  
pp. 340-361 ◽  
Author(s):  
Maria Symeonaki ◽  
Celestine Filopoulou
Keyword(s):  
Gender Differences ◽  
European Social Survey ◽  
Distance Measures ◽  
Southern Europe ◽  
Raw Data ◽  
Men And Women ◽  
Content Type ◽  
Vertical Segregation ◽  
Over Time

Purpose The purpose of this paper is to investigate the role of gender in education, occupation and employment in Southern Europe and more specifically in Greece, Italy, Portugal and Spain. The goal is to provide measures that can trace gender differences with respect to their educational and employment features in these countries, explore whether these differences converge over time and compare the patterns observed in each country given their socio-economic similarities. Design/methodology/approach This paper uses raw data drawn from the European Social Survey (ESS) for the decade 2002-2012. It provides a method for quantifying gender differences in education, occupation and employment and their evolution over time based on distance measures. Findings The results reveal that gender distances in education have gradually subsided in these countries. However, occupational choices differ steadily over the years for all countries. The paper provides, therefore, solid evidence that equalizing the level of education between men and women during those years did not result in a decrease in the occupational distances between them. Moreover, based on the latest round the findings suggest that men and women are equally likely to having experienced unemployment within the last five years. Research limitations/implications Further research could be done to include results based on raw data from the seventh round of the ESS. This may provide valuable information for Spain and Portugal who did participate in this round. Social implications This research implies that more needs to be done to accelerate progress in order to achieve gender occupational equality in Southern Europe. Originality/value This paper draws attention to issues concerning gender differences in education, horizontal and vertical segregation and employment for which it provides distance measures and evidence of how they have evolved over time, based on raw data analysis from the ESS.

Banking “on-the-go”: examining consumers’ adoption of mobile banking services

2018 ◽  
Vol 10 (3) ◽  
pp. 279-295 ◽  
Author(s):  
Tingting Zhang ◽  
Can Lu ◽  
Murat Kizildag
Keyword(s):  
Technology Adoption ◽  
Technology Acceptance ◽  
Mobile Technology ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Mobile Banking ◽  
Banking Services ◽  
Content Type ◽  
Factors Influencing

Purpose This paper aims to examine consumers’ adoption of mobile technology to facilitate their banking services and activities, and to investigate the factors influencing their adoption and engagement. Design/methodology/approach An online survey is used to test proposed relationships between factors and consumers’ mobile banking adoption. Structural equation modeling is performed to analyze consumers’ intentions toward mobile banking. Findings Traditional technology acceptance model factors – perceived usefulness and perceived ease of use – are identified as effective factors in influencing consumers to adopt mobile technology for facilitating banking services. Moreover, technology safety concerns, including reliability and privacy factors, are found to play an important role in motivating consumers to embrace mobile banking. The “fun” feature of the technology and consumers’ innovativeness characteristics are considered important in influencing mobile banking adoption. Trust in the banks has its predominant role in mobile technology adoption for banking services. Practical implications A bank gaining trust from its clients is key to active adoption of mobile banking technology. Bankers are advised to pay more attention to reliability and privacy features when designing and promoting mobile banking technology to consumers. Moreover, advertisements to bank clients should stress the “fun” aspects of the mobile banking apps to attract them to the use of mobile banking technology. Originality/value This paper investigates the factors influencing bank consumers to adopting mobile banking apps to facilitate their banking services. Nine key factors in the technology adoption area are examined to provide a comprehensive understanding of bank clients’ use of mobile banking apps, which advances the understanding of mobile technology applied in the banking industry in the literature.

Performance impact of mobile banking: using the task-technology fit (TTF) approach

2016 ◽  
Vol 34 (4) ◽  
pp. 434-457 ◽  
Author(s):  
Carlos Tam ◽  
Tiago Oliveira
Keyword(s):  
Gender Differences ◽  
Online Survey ◽  
Group Analysis ◽  
Individual Performance ◽  
Mobile Banking ◽  
Performance Impact ◽  
Content Type ◽  
Task Technology Fit ◽  
And Gender ◽  
The Individual

Purpose – The purpose of this paper is to investigate the determinants of mobile banking (m-banking) for individual performance and whether or not there are any age or gender differences. Design/methodology/approach – The research model is based on the task-technology fit (TTF) theory, which integrates elements of task and technology characteristics, technology usage, and individual performance, while combining the age and gender subsamples. The empirical approach was based on an online survey questionnaire of 256 individuals. Partial least squares based on the multi-group analysis were used to analyse the proposed framework construct relationships. Findings – The results reveal that TTF and usage are important precedents of individual performance. The authors find statistically significant differences in path usage to performance impact for the age subsample, and no statistically significant differences for the gender subsample. Originality/value – The paper highlights the TTF model to understand the determinants that influence the individual performance of m-banking, and whether or not there are any age or gender differences. While most earlier research focuses on m-banking adoption, the approach diverges from the majority of the work by examining the individual performance, which has not been considered in earlier studies.

Investigating the role of electric vehicle knowledge in consumer adoption: evidence from an emerging market

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Deepak Jaiswal ◽  
Rishi Kant ◽  
Pankaj Kumar Singh ◽  
Rambalak Yadav
Keyword(s):  
Technology Acceptance ◽  
Electric Vehicle ◽  
Electric Vehicles ◽  
Emerging Market ◽  
Perceived Usefulness ◽  
Consumer Adoption ◽  
Content Type ◽  
Near Future ◽  
Adoption Intention

PurposeThe use of electric vehicles has received popularity as alternative fuel vehicles to reduce greenhouse gas emissions and energy cost, which are expected to perform a crucial role in the near future of emerging mobility markets. The purpose of this empirical study is to analyse the role of electric vehicle knowledge in predicting consumer adoption intention directly and indirectly in the backdrop of an emerging market.Design/methodology/approachThe study approached an extended version of “Technology acceptance model” (TAM) based on the integrated framework of “knowledge-beliefs-intention”. The model was tested via direct and indirect path analyses with the data collected from Indian respondents using an online survey.FindingsThe results indicate the robustness of the present research model, which shows that consumer adoption is significantly driven by electric vehicle knowledge, perceived usefulness, perceived ease of use and perceived risk. Electric vehicle knowledge has emerged as the most powerful cognitive measure, which directly affects the adoption intention along with the measures of “TAM”. Additionally, this also poses a higher indirect effect on adoption intention in the integrated model.Research limitations/implicationsThe study has focused on potential young and educated consumers, which may not be warranted to generalise the research findings, while youth or millennials are more receptive to adopt innovative and clean technology products like electric vehicle. Based on the findings, implications are offered for encouraging electric vehicles in the backdrop of emerging automobile markets.Originality/valueConcerning this cognitive phenomenon of knowledge, scant literature has been explored the role of subjective knowledge in consumer adoption for electric vehicles, particularly in the emerging markets like India. Thus, the present study analyses how consumers' knowledge about electric vehicle affects their decision to adopt this in the near future of Indian zero-emission mobility market.

GENDER DIFFERENCES IN REMITTANCE BEHAVIOR: EVIDENCE FROM VIETNAM

2011 ◽  
Vol 56 (02) ◽  
pp. 215-237 ◽  
Author(s):  
YOKO NIIMI ◽  
BARRY REILLY
Keyword(s):  
Gender Differences ◽  
Gender Difference ◽  
Survey Data ◽  
Behavioral Differences ◽  
Men And Women ◽  
Tobit Models ◽  
Remittance Behavior

This paper investigates the role of gender in remittance behavior among migrants using the 2004 Vietnam Migration Survey data. The gender dimension to remittance behavior has not featured strongly in the existing literature and our findings thus contain novel appeal. In addition, we use estimates from both homoscedastic and heteroscedastic tobit models to decompose the raw gender difference in remittances into treatment and endowment components. We find little evidence that gender differences in remittances are attributable to behavioral differences between men and women, and this finding is invariant to whether the homoscedastic or heteroscedastic tobit is used in estimation.

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 How customers’ offline experience affects the adoption of online banking

2016 ◽  
Vol 26 (5) ◽  
pp. 1072-1092 ◽  
Author(s):  
Antonia Estrella-Ramon ◽  
Manuel Sánchez-Pérez ◽  
Gilbert Swinnen
Keyword(s):  
Technology Acceptance ◽  
Diffusion Of Innovation ◽  
Financial Services ◽  
New Technologies ◽  
Online Banking ◽  
Adoption Process ◽  
Content Type ◽  
Parametric Survival Model ◽  
Self Service Technology ◽  
The Impact

Purpose The purpose of this paper is to examine the impact of customers’ offline transaction behaviour in the form of loyalty and cross-buying on the adoption of self-service technology innovations by non-business customers in the context of online banking. Design/methodology/approach This study extends the Diffusion of Innovation Theory, as well as the Technology Acceptance Model adapted to describe and model individual customer observed behaviours in the pre-adoption stage of the adoption process. The Log-logistic parametric survival model is applied using panel data for 1,357 randomly selected new customers from a bank. Findings Significant differences arise among customers’ behaviours related to periodicity of interactions with the bank and quantity of products involved in the interactions, as well as convenience and risk of the interactions. The results corroborate that those customers who are more likely to adopt the online banking faster show an offline behavioural pattern more related to higher periodicity of interactions and convenience, rather than a high number of products involved in their interactions, the use of high-risk products or the maintenance of a higher average monthly liabilities. Originality/value While previous research explaining the process of adoption of the online channel has mainly focused on the analysis of customers’ attitudes (i.e. customers’ perceptions) and demographics, in this research an additional explanation is proposed using customers’ offline transaction behaviours. In addition, there is a considerable amount of research about the adoption of new technologies, but there is a scarcity of studies looking specifically at the financial services and banking industry.

scholarly journals How customer novelty seeking influences customer CSR perceptions

2015 ◽  
Vol 33 (4) ◽  
pp. 486-507 ◽  
Author(s):  
Andrea Pérez ◽  
Ignacio Rodríguez del Bosque
Keyword(s):  
Structural Equation ◽  
Equation Model ◽  
Novelty Seeking ◽  
Corporate Investments ◽  
Banking Services ◽  
Content Type ◽  
Customer Perceptions ◽  
Corporate Credibility ◽  
Corporate Social

Purpose – The purpose of this paper is to first, propose a causal model to understand the process of corporate social responsibility (CSR) perception formation among customers; and second, identify differences among innovative and conservative customers in that process. Design/methodology/approach – A structural equation model is tested in a sample of 1,124 banking services customers in Spain. Also, a multisampling analysis is implemented in order to determine how novelty seeking moderates the process of CSR perception formation among customers. Findings – Results confirm that customer CSR perceptions are directly and positively influenced by: the congruence between CSR initiatives and corporate profile; customer attributions of corporate motivations to engage in CSR; and corporate credibility in developing CSR initiatives. Nonetheless, while innovative customers pay greater attention to corporate credibility than conservative customers when evaluating CSR initiatives, conservative customers evaluate the congruence of CSR initiatives and their attribution of altruistic motivations to a larger extent than innovative customers. Practical implications – These findings suggest that companies should take into account customer novelty seeking when planning their CSR and communication strategies because highlighting different qualities of their CSR initiatives can have diverse effects for the success of corporate investments. Originality/value – The greatest contribution of the paper is the study of the moderating role of novelty seeking in the process of customer CSR perception formation; previous scholars had long ignored this variable when evaluating customer perceptions.

scholarly journals Socio-Individual Prerequisites of Energy Transition in Iran: Investigating Public Acceptance of Solar Panel Technology in Rural Areas

2021 ◽  
Vol 5 (1) ◽  
Author(s):  
Sara Karimzadeh ◽  
Eva Kašparová
Keyword(s):  
Technology Acceptance ◽  
Rural Areas ◽  
New Technology ◽  
Energy Transition ◽  
Perceived Usefulness ◽  
Mediating Role ◽  
Iranian Government ◽  
Acceptance Model ◽  
Adoption Intention

Iran has inordinate natural capacity to benefit from solar energy all year. Interim plansby the Iranian government have been implemented to develop energy transition in ruralareas, however, the outcomes have not been promising so far. This research seeks toaddress the question of what factors influence villagers’ tendency towards solar panelacceptance for domestic usage. To answer the question, a survey was conducted amongresidents who had not installed the new technology in the survey time. A model basedon the modified framework of the Technology Acceptance Model for energy transitionwas developed and data was collected from the northern part of Iran—Mazandaranprovince. The data revealed that through the mediating role of attitude, the strongesteffect on adoption intention relates to perceived usefulness. The paper discusses whysolar energy technology is not welcomed in the studied community. The findingscontribute to increase our knowledge about underlying factors on the development ofpublic adoption of renewable energies in a developing country.

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