Predicting the intention to use mobile banking in India

2018 ◽  
Vol 36 (2) ◽  
pp. 357-378 ◽  
Author(s):  
Sindhu Singh ◽  
R.K. Srivastava
Keyword(s):  
Self Efficacy ◽  
Statistical Significance ◽  
Ease Of Use ◽  
Survey Method ◽  
Intention To Use ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Financial Cost ◽  
Content Type ◽  
Computer Self Efficacy

Purpose The purpose of this paper is to identify factors influencing the adoption of mobile banking in India and develop and empirically validate a model explaining the behavioural intention to use mobile banking in the Indian banking sector. Design/methodology/approach In this study, a model is developed and proposed to explain customers’ intention to use mobile banking. The model comprises six constructs, namely, perceived ease of use, computer self-efficacy, social influence, perceived financial cost, security, and trust. The model also describes the relationship between perceived ease of use and computer self-efficacy, as well as that between security and trust. The proposed model was tested by using a survey method, with a sample of 855 bank customers from public, private, foreign, and cooperative banks in India. Structural equation modelling analysis was performed with AMOS 16.0. Findings The proposed theoretical model was found to predict, with statistical significance, the intention to use mobile banking, explaining 76.9 per cent of the variance in the dependent variable. The results found that security, computer self-efficacy, perceived ease of use, and perceived financial cost, in that order of influence, affect customers’ intention to adopt mobile banking. Practical implications The results obtained will help both academic researchers and practitioners explain, understand, and elucidate the status of mobile banking in India, as well as helping them formulate strategies to expedite the use of mobile banking. Originality/value The adoption of mobile banking in India is in a nascent stage compared with developed countries such as the USA, the UK, and Finland, but it is expected to increase or surpass the rate of adoption of internet banking in those countries. Further, only limited research to date has examined the adoption of mobile banking in India, especially the drivers and inhibitors of mobile banking adoption.

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.

A case-study to examine doctors’ intentions to use IoT healthcare devices in Iraq during COVID-19 pandemic

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Ameer Alhasan ◽  
Lukman Audah ◽  
Ishaq Ibrahim ◽  
Ammar Al-Sharaa ◽  
Ali Saadon Al-Ogaili ◽  
...  
Keyword(s):  
Behavioral Intention ◽  
Self Efficacy ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Healthcare Sector ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Behavioral Intention To Use ◽  
Computer Self Efficacy

Purpose Several countries have been using internet of things (IoT) devices in the healthcare sector to combat COVID-19. Therefore, this study aims to examine the doctors’ intentions to use IoT healthcare devices in Iraq during the COVID-19 pandemic. Design/methodology/approach This study proposed a model based on the integration of the innovation diffusion theory (IDT). This included compatibility, trialability and image and a set of exogenous factors such as computer self-efficacy, privacy and cost into the technology acceptance model comprising perceived ease of use, perceived usefulness, attitude and behavioral intention to use. Findings The findings revealed that compatibility and image of the IDT factors, have a significant impact on the perceived ease of use, perceived usefulness and behavioral intention, but trialability has a significant impact on perceived ease of use, perceived usefulness and insignificant impact on behavioral intention. Additionally, external factors such as privacy and cost significantly impacted doctors’ behavioral intention to use. Moreover, doctors’ computer self-efficacy significantly influenced the perceived ease of use, perceived usefulness and behavioral intention to use. Furthermore, perceived ease of use has a significant impact on perceived usefulness and attitude, perceived usefulness has a significant impact on attitude, which, in turn, significantly impacting doctors' behavior toward an intention to use. Research limitations/implications The limitations of the present study are the retractions of the number of participants and the lack of qualitative methods. Originality/value The finding of this study could benefit researchers, doctors and policymakers in the adaption of IoT technologies in the health sectors, especially in developing counties.

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.

scholarly journals APLIKASI TECHNOLOGY ACCEPTANCE MODEL (TAM) PADA KOMPUTERISASI KEGIATAN PERTANAHAN

2016 ◽  
Vol 12 (1) ◽  
pp. 13
Author(s):  
Wahyu Prabawati Putri Handayani ◽  
Mugi Harsono
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Self Efficacy ◽  
Survey Methodology ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Acceptance Model ◽  
Computer Self Efficacy

Abstrak: Aplikasi Technology Acceptance Model (TAM) Pada Komputerisasi Kegiatan Pertanahan. Tujuan penelitian ini adalah untuk menguji dan menganalisis pengaruh Technology Acceptance Model (TAM) Pada Komputerisasi Kegiatan Pertanahan. Sebuah metodologi survey digunakan untuk mengumpulkan data 100 karyawan. Path analysis menunjukkan bahwa (1) Computer self-efficacy berpengaruh pada persepsi kemudahan penggunaan dan persepsi manfaat teknologi, (2) Persepsi kemudahan penggunaan teknologi berpengaruh pada persepsi manfaat dan sikap untuk menggunakan teknologi, (3) Persepsi manfaat teknologi berpengaruh pada sikap dalam menggunakan teknologi, dan (4) Sikap untuk menggunakan teknologi berpengaruh pada niat untuk menggunakan teknologi. Kata kunci: Technology Acceptance Model (TAM), computer self-efficacy, persepsi manfaat teknologi, sikap menggunakan teknologi, niat menggunakan teknologi Abstract: Application of Technology Acceptance Model (TAM) On Computerized Land Activities. The purpose of this study was to examine and analyze the effect of the Technology Acceptance Model (TAM) on computerized land activities. A survey methodology used to collect data of 100 employees. The results indicated that (1) Computer self-efficacy affected the perceived ease of use and usefulness of the technology, (2) the perceived ease of use technology affected of perceived usefulness and attitude towards using technology, (3) the perceived usefulness affected attitude towards using technology, and (4) the attitude to use technology affected intention to use technology. Keywords: Technology Acceptance Model (TAM), computer self-efficacy, perceived usefulness, attitude to use technology, intention to use technology

scholarly journals A Cross-Country Study on Intention to Use Mobile Banking

2021 ◽  
Vol 29 (2) ◽  
pp. 102-117
Author(s):  
Rodrigo F. Malaquias ◽  
Fernanda Francielle de Oliveira Malaquias ◽  
Young Mok Ha ◽  
Yujong Hwang
Keyword(s):  
Self Efficacy ◽  
Structural Equation ◽  
Statistical Significance ◽  
The United States ◽  
Equation Modeling ◽  
Intention To Use ◽  
Mobile Banking ◽  
Country Study ◽  
Cross Country ◽  
Computer Self Efficacy

This is a cross-country study about intention to use mobile banking considering respondents from Brazil, South Korea, and the United States of America. The purpose of the paper is to analyze the role of an individual's computer self-efficacy ion mobile banking context. The authors employed the confirmatory factor analysis and the structural equation modeling to analyze the constructs and test the hypotheses of the study. They also relied on bootstrap confidence intervals to test the statistical significance of indirect effects. This study considers a comprehensive measure for computer self-efficacy (CSE), and a direct effect of this variable on two antecedents of behavioral intention to use mobile banking was found. CSE also had an indirect effect on the intention to use mobile banking. However, the effect of computer self-efficacy was not persistent among the different sub-samples considered in this study.

scholarly journals The Indirect Effect of Computer Self-Efficacy of E-Commerce Users on Intention to Use

2020 ◽  
Vol 3 (2) ◽  
pp. 75-85
Author(s):  
Tessa Vanina Soetanto ◽  
Adelina Proboyo ◽  
Prilya Angel Putri
Keyword(s):  
Technology Acceptance ◽  
Behavioral Intention ◽  
Self Efficacy ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
The Impact ◽  
Computer Self Efficacy

E-commerce market in Indonesia has tremendous growth and predicted to become significant contributor to Foreign Direct Investment. Millennials, heavily affected by technology and internet, considered to be the driver growth of e-commerce. Applying the theory of modified Technology Acceptance Model (TAM), this research analyzes whether perceived of ease of use and perceived usefulness mediate the impact of computer self-efficacy on the behavior of e-commerce users to use Lazada platform. The study was a quantitative study with online questionnaire. Data of 200 respondents were analyzed by Structural Equation Modelling and the result shows that computer self-efficacy indirectly affects behavioral intention to use through perceived ease of use. Perceived usefulness and attitude towards use are not significant mediators because of their insignificance on intention to use. Computer self-efficacy has significant impact on behavioral intention mediated by perceived ease of use, but not by perceived usefulness.

scholarly journals Factors Influencing Students' Intention to Use E-learning System: A Case Study Conducted in Vietnam

2020 ◽  
Vol 15 (18) ◽  
pp. 165
Author(s):  
Hanh Thi Hai Nguyen ◽  
Hau Van Pham ◽  
Ngan Hoang Vu ◽  
Hue Thi Hoang
Keyword(s):  
Self Efficacy ◽  
Subjective Norm ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Learning System ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
E Learning ◽  
System Characteristics ◽  
Computer Self Efficacy

This study was conducted to evaluate the factors influencing students’ intention to use E-learning system. Seven dimensions in this study were determined are Computer self-efficacy, Computer experience, Enjoyment, System characteristics and Subjective norm, Perceived ease of use, and Perceived usefulness. In which, Computer self-efficacy, Computer experience, Enjoyment and System characteristics impact on Perceived usefulness of E-learning, while Computer self-efficacy, System characteristics and Subjective norm impact on Perceived ease of E-learning use. Perceived usefulness and Perceived ease of use impact on Intention to use E-learning. The research methodology was conducted in a survey with participation of 246 respondents from 20 universities. The data was analyzed by using descriptive statistics, factor analysis and regression. The empirical results showed that Computer self-efficacy has no impact on Perceived usefulness of E-learning, and System characteristics has no impact on Perceived ease of E-learning use. Finally, this study recommended some solutions, which universities thereby makes some recommendations to universities to attract more students in participating in E-learning until it is officially implemented for the universities’ training systems.

scholarly journals TEACHERS ACCEPTANCE AND INTENTION TO USE ICT IN LEARNING

2018 ◽  
Vol 12 (3) ◽  
pp. 189
Author(s):  
Kurniabudi Kurniabudi
Keyword(s):  
High School Teachers ◽  
Self Efficacy ◽  
Subjective Norm ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
The Impact ◽  
The City ◽  
Computer Self Efficacy

<em>Although ICT could bring many benefit  in learning ,however implementation of ICT in the learning process is not easy. In fact, adoption of ICT in learning, is not only occurs in higher education but also in schools. The aim of This study is to identify the impact of Subjective Norm, Image and Computer Self-Efficacy against the behavior of teachers in using ICT in learning.Technology Acceptance Models (TAM) 2 used in the analysis of the behavior of the reception. Data was collected from high school teachers in the city of Jambi. Data were analyzed using SEM method with applications SmartPLS.This study reveals that the consistency of Perceived Usefulness and Perceived Ease of Use has a direct influence on Intention to Use . Subjective Norm and Image provides indirect influence on Intention to Use Computer Self - Efficacy whereas no effect on of Perceived Usefulness , Perceived Ease of Use and Intention to Use</em>

The Influence of Self-Efficacies on Readers' Intention to Use E-Reading Devices

2014 ◽  
Vol 12 (3) ◽  
pp. 41-61 ◽  
Author(s):  
Bor-Yuan Tsai ◽  
Jung-Nan Yen
Keyword(s):  
Self Efficacy ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Reading Device ◽  
Tam Model ◽  
Perceived Enjoyment ◽  
Willingness To Use ◽  
Computer Self Efficacy

E-books and e-Reading Devices (E-RDs) markets have been enlarged due to the rapid progress of digital technologies. What are the possible factors to increase readers' willingness to use electronic devices? To improve the predictive value of the original TAM model, this study incorporates three additional constructs to form e-Reading Device Acceptance Mode: reading self-efficacy, computer self-efficacy and perceived enjoyment. This model consists of six constructs and 11 research hypotheses. The research questionnaires were distributed in Taiwan, and the research results showed that reading self-efficacy shows positive influences on readers' intention to use the E-RDs. On the contrary, computer self-efficacy does not show positive influences on perceived usefulness or perceived enjoyment. Moreover, the perceived ease of use of E-RDs does not show significant impacts on readers' intention to use the devices. Explanations of the causes and reasons are given in this paper, and the finding of this research may provide useful references and materials for e-book publishers, e-reading device developers, and researchers for further studies.

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