Literature review of mobile banking and individual performance

2017 ◽  
Vol 35 (7) ◽  
pp. 1044-1067 ◽  
Author(s):  
Carlos Tam ◽  
Tiago Oliveira
Keyword(s):  
Empirical Studies ◽  
Individual Performance ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Future Research ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Body Of Knowledge ◽  
Advance Research

Purpose Most empirical studies of m-banking seek to understand the factors and motivations that influence the adoption or behaviour intention. The purpose of this paper is to focus on analysing and synthesising existing studies and make recommendations to researchers and practitioners. Design/methodology/approach Few papers focus on the m-banking use and individual performance, but on the determinants of adoption measures, instead. This research examines 64 journal articles published between 2002 and 2016 in top journals. Following a comprehensive review of the literature, the authors propose a research agenda. Findings The importance of use and individual performance has long been recognised by academics and practitioners in a variety of functional disciplines. The present review indicates that the topics of m-banking adoption and behavioural intention dominate the majority of research, but finds very few studies on post-adoption. The two most significant drivers of intentions to adopt m-banking are perceived ease of use and perceived usefulness. Considering several m-banking definitions, the authors propose a new, broader definition that takes into account the technological changes that have occurred over time. m-banking is a service or product offered by financial institutions that makes use of portable technologies. Originality/value This paper assembles this diverse body of knowledge into a coherent whole. The authors expect that this review will be of benefit to anyone interested in m-banking research and that it will help to stimulate further interest. In order to advance research in m-banking, future research should consider other theories uncovered in our findings.

Determinants of digital learning acceptance behavior

2019 ◽  
Vol 12 (4) ◽  
pp. 659-672
Author(s):  
Mohit Kant Kaushik ◽  
Deepak Verma
Keyword(s):  
Technology Adoption ◽  
Technology Acceptance ◽  
Education Institution ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Future Research ◽  
Digital Learning ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Body Of Knowledge

Purpose The purpose of this paper is to review existing literature on users’ digital learning acceptance behavior and to identify gaps in the current body of knowledge and suggest future research directions. The paper also includes identification of motivating as well as inhibiting factors previously explored by academicians in the acceptance of digital learning. Design/methodology/approach The systematic literature review based on PRISMA methodology was conducted, and 200 articles from peer-reviewed journals on digital learning acceptance behavior using technology adoption theories were examined. Findings The study found an overall rise in the number of papers published yearly during 2002–2017. Most of the studies were published in two journals, i.e. Computers & Education and Computers in Human Behaviour and were carried out in Asia followed by Europe, North America, Africa, Oceania and South America. It was also noted that most of the studies have used the technology acceptance model and were empirical in nature. The study also found that prominently students’ digital learning acceptance behavior was investigated. The review also indicates a lack of qualitative and mixed method (qualitative and quantitative) approaches to study digital learning acceptance behavior. Practical implications The study identified gaps in the current body of knowledge by reviewing published articles that will suggest future directions for further research. The top three determinants of digital learning acceptance that have been analyzed were the behavioral intention, perceived usefulness and perceived ease of use, followed by attitude and user behavior. The study articulates the implications for providers in marketing digital learning products, for higher education institution in expanding digital content, for students seeking digital education tools, for educators in motivating students to accept digital learning and for governments in delivering cost-effective public education by utilizing digital learning. Originality/value The paper analyzes 200 publications on digital learning acceptance through technology adoption theories. To the best of the authors’ knowledge, this is the first initiative to provide systematic and exhaustive summarization of the knowledge in this subject. It further explores the various factors influencing digital learning adoption behavior and provides avenues for future research. The paper is useful for researchers working on digital learning acceptance behavior.

scholarly journals Investigating the factors influencing the adoption of m-banking: a cross cultural study

2015 ◽  
Vol 33 (4) ◽  
pp. 545-570 ◽  
Author(s):  
Gary Mortimer ◽  
Larry Neale ◽  
Syed Fazal E Hasan ◽  
Benjamin Dunphy
Keyword(s):  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Future Research ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Confirmatory Factor Analyses ◽  
Web Based ◽  
Content Type ◽  
Intention To Adopt

Purpose – Little is known about the adoption of mobile banking technologies in emerging Asian economies. The purpose of this paper is to empirically examine the motivators that influence a consumer’s intentions to use mobile banking. Design/methodology/approach – A web-based survey was employed to collect data from 348 respondents, split across Thailand and Australia. Data were analysed by employing exploratory and confirmatory factor analyses, path and invariance analyses. Findings – The findings indicate that for Australian consumers, perceived ease of use, perceived usefulness (PU) and perceived risk (PR) were the primary determinants of mobile banking adoption. For Thai consumers, the main factors were PU, PR and social influence. National culture was found to impact key antecedents that lead to adoption of m-banking. Research limitations/implications – The actual variance explained by the study’s model was higher in Australia (59.3 per cent) than for Thailand (23.8 per cent), suggesting future research of m-banking adoption in emerging Asian cultures. Practical implications – The authors identify the important factors consumers consider when adopting m-banking. The findings of this research give banking organisations a foundational model that can be used to support m-banking implementation. Originality/value – The study is perhaps the first to examine and compare the intention to adopt m-banking across Thai and Australian consumers, and responds to calls for additional research that generalises m-banking and m-services acceptance across cultures. This study has proposed and validated additional constructs that are not present in the original SST Intention to Use model.

Mobile banking adoption in Islamic banks

2019 ◽  
Vol 11 (6) ◽  
pp. 1405-1418
Author(s):  
Dwi Suhartanto ◽  
David Dean ◽  
Tuan Ahmad Tuan Ismail ◽  
Ratna Sundari
Keyword(s):  
Islamic Law ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Islamic Banks ◽  
Perceived Ease Of Use ◽  
Banking Services ◽  
Content Type ◽  
Islamic Bank

Purpose This paper aims to examine mobile banking adoption in Islamic banks by integrating technology adoption model (TAM) and Religiosity-Behavioural Intention Model. Design/methodology/approach This study uses a sample of 300 mobile banking customers of Islamic banks from West Java Province, Indonesia. Partial least square was applied to assess the association between perceived usefulness, perceived ease-of-use, religiosity, satisfaction, and adoption. Findings The results of this study disclosed that the integration of TAM and Religiosity-Intention model provides a more complete explanation of Islamic bank consumers’ adoption of mobile banking. Besides perceived usefulness and perceived ease-of-use, the results of this study emphasise the importance of religiosity in mobile banking adoption. Practical implications This study offers an opportunity for Islamic bank managers to increase the adoption of their mobile banking services. To increase the adoption of mobile banking services, Islamic banks must not only provide an application that is useful and easy to use but also consider the customer’s religiosity. All of their mobile banking marketing strategies should focus on providing high-quality mobile service while ensuring the bank’s operations are compliant with the Islamic law. Originality/value This study is the first attempt to integrate TAM and Religiosity-Intention Model to assess mobile banking adoption.

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.

The role online review on mobile commerce adoption: an inclusive growth context

2020 ◽  
Vol 14 (5) ◽  
pp. 759-778
Author(s):  
Tanikan Pipitwanichakarn ◽  
Nittaya Wongtada
Keyword(s):  
Empirical Studies ◽  
Online Reviews ◽  
Mobile Commerce ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Online Review ◽  
Inclusive Growth ◽  
Perceived Ease Of Use ◽  
Street Vendors ◽  
Content Type

Purpose As technology has increasingly disrupted traditional commerce, there is a need for inclusive growth to ensure that no group – particularly the underprivileged – is left behind. Against this backdrop, this paper aims to shed light on mobile commerce (m-commerce) adoption among street vendors. This study conducts an experiment to investigate the contribution of online reviews and relevant factors in enhancing the perceived usefulness and adoption of m-commerce. Design/methodology/approach This study used a 2 (perceived ease of use: high vs low) × 2 (trust in service provider: high vs low) × 2 (online review: positive vs negative) between-subjects design, resulting in eight experimental groups. The level of the online review was manipulated, and the degrees of perceived ease of use and trust were measured. Findings Perceived usefulness depends on online reviews when users perceive incongruent information (e.g. high ease of use but low trust); that is, users who saw positive reviews more strongly perceived the usefulness of m-commerce. On the contrary, perceived usefulness does not vary based on online reviews if users perceive congruent information (e.g. high ease of use and high trust). Originality/value This research advances the knowledge of m-commerce adoption by exploring the interaction of perceived ease of use, trust and online reviews, a combination that has not been addressed in previous empirical studies.

How food retailing changed in Turkey: spread of self-service technologies

2018 ◽  
Vol 120 (2) ◽  
pp. 290-308 ◽  
Author(s):  
Ipek Kazancoglu ◽  
Emel Kursunluoglu Yarimoglu
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Situational Factors ◽  
Equation Modeling ◽  
Future Research ◽  
Perceived Ease Of Use ◽  
Content Type

Purpose The purpose of this paper is to predict customers’ intentions to use self-checkouts based on the technology acceptance model (TAM). Design/methodology/approach The questionnaire consisted of constructs taken from the existing literature such as perceived ease of use (PEU), perceived usefulness (PU), behavioral intentions, technology anxiety (TA), perceived risk (PR), need for interaction (NI), and situational factors (SF). Before preparing the questionnaire, the focus group studies were organized to gain deeper insights regarding customers’ views about self-checkouts. Based on the results of the focus groups, some items in the constructs were adapted, and the questionnaire was generated. The field study was conducted via face-to-face survey with 500 customers chosen by stratified random sampling. Confirmatory factor analysis and structural equation modeling were used to validate the relationships hypothesized in the conceptual model among constructs. Findings Out of the 16 hypotheses, 10 were found to be significant. The hypotheses related to the effects of PR, PEU, PU, intentions, while the effects of NI on PU and intentions; the effects of SF on intentions were not accepted in the study. According to the findings, PEU, PU, and TA affected intentions whereas PR, NI, and SF did not. Research limitations/implications There were some limitations related to demographics, attitudes, SF, and actual usage of self-checkouts. Practical implications To avoid queues, retailers should install a sufficient number of user-friendly and simple interfaced self-checkouts with well-trained employees to encourage usage and reduce the perceived risk and anxiety. Originality/value The main contribution of this study was that the effects of different constructs were measured on Turkish customers’ intentions to use self-checkouts, which could be used in formulating marketing strategies as well as considering future research directions. The paper also provided additional insights into the effects of SF, TA, NI, and PR, all of which were added to the TAM in this study.

Understanding usage of Internet of Things (IOT) systems in China

2017 ◽  
Vol 30 (1) ◽  
pp. 117-138 ◽  
Author(s):  
Xuebing Dong ◽  
Yaping Chang ◽  
Yawei Wang ◽  
Jun Yan
Keyword(s):  
Psychological Factors ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Future Research ◽  
Perceived Ease Of Use ◽  
Privacy Risk ◽  
Chinese Consumers ◽  
Content Type ◽  
And Behavior ◽  
The Relationship

Purpose The purpose of this paper is to answer “Why do Chinese consumers use IOT systems?” and “Do consumers’ cognitive and affect experiences moderate the relationship between psychological perception factors and perceived usefulness?” Design/methodology/approach In-depth interview with consumers and experts had been conducted and then the perceived psychological factors that influence perceived usefulness had been summarized. Based on a survey test of 337 smart home users, this study applies partial least squares technique analysis to test the research model. Findings The research results show that perceived psychological factors (perceived ease of use, perceived intelligence, perceived convenience and perceived privacy risk) have significant effect on the intention and behavior of IOT systems usage through perceived usefulness. Cognitive experience moderates the relationship between perceived ease of use and perceived usefulness, perceived privacy risk and perceived usefulness; affect experience moderates the relationship between perceived ease of use and perceived usefulness. Research limitations/implications The current study mainly tested the antecedents of consumers’ usage of IOT systems, and the outcome of using the system was not investigated. Future research can examine the outcome (e.g. satisfaction, perceived value) by using the expectation-confirmation theory. Originality/value This study provides a useful insight into the key driving factors in consumers’ intention and behavior of using IOT systems. The previous studies over IOT systems have not observed consumers’ perception of IOT systems, but in fact IOT systems are being applied to more and more personal users.

Mobile banking adoption in an emerging economy

2018 ◽  
Vol 25 (2) ◽  
pp. 743-762 ◽  
Author(s):  
Richa Priya ◽  
Aradhana Vikas Gandhi ◽  
Ateeque Shaikh
Keyword(s):  
User Satisfaction ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Factors Affecting ◽  
Indian Consumers ◽  
The Relationship

Purpose The purpose of this paper is to analyze the factors affecting mobile banking adoption among young Indian consumers. Design/methodology/approach The authors use a cross-sectional survey research design to empirically examine the factors affecting mobile banking adoption among young Indian consumers. The study sample consists of 269 respondents aged between 23 and 30 years from India. Findings The findings of the study suggest that perceived usefulness (PU), perceived ease of use (PEU), perceived credibility (PC) and structural assurance (SA) are strong determinants of user satisfaction (US) and behavioral intention (BI) to use the mobile banking service. US was found to partially mediate the relationship between PU, PEU, PC and SA and BI to use the service. Perceived risk was found to be statistically insignificant in terms of its relationship with BI to use the service. Research limitations/implications The results of this study provide good evidence for banks to further revamp their work practices in the area of mobile banking to enhance the overall penetration of mobile banking in India. Originality/value The study identifies factors influencing mobile banking adoption among young Indian consumers. Furthermore, this study suggests that US partially mediates the relationship between factor influencing mobile banking adoption and BI.

A systematic review of augmented reality tourism research: What is now and what is next?

2020 ◽  
Vol 21 (1) ◽  
pp. 15-30
Author(s):  
Lena Jingen Liang ◽  
Statia Elliot
Keyword(s):  
Virtual Reality ◽  
Augmented Reality ◽  
Technology Acceptance ◽  
Meta Analysis ◽  
Empirical Studies ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Future Research ◽  
Negative Consequences ◽  
Perceived Ease Of Use

The application of augmented reality in tourism is flourishing and promising, bringing an emerging body of studies. While virtual reality might be a virtual threat to the travel and tourism as being a potential substitute, augmented reality allows users to interact with the real environment that could potentially enhance visitors’ experience. Distinguishing from reviews that combine studies of augmented reality and virtual reality, this study systematically investigates the current state of augmented reality research exclusively in the tourism literature. The results identify five established and emerging research clusters, with one predominant cluster that focuses on user acceptance of augmented reality, commonly applying the technology acceptance model. A meta-analysis of a subset of four empirical studies reveals that perceived ease of use has an overall influence of 52.79% on perceived usefulness. Lastly, a concept map visually presents the constructs that have been explored across the clusters. Based on our review, future research directions are proposed to advance knowledge in the emerging area of gamification, to explore the potential negative consequences of augmented reality, and to apply more innovative methods and study designs.

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.

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