Why so serious? Gamification impact in the acceptance of mobile banking services

2017 ◽  
Vol 27 (1) ◽  
pp. 118-139 ◽  
Author(s):  
Goncalo Baptista ◽  
Tiago Oliveira
Keyword(s):  
Game Design ◽  
Structural Equation ◽  
Strong Relationship ◽  
Mobile Banking ◽  
Financial Industry ◽  
Banking Services ◽  
Content Type ◽  
Use Of Technology ◽  
The Right ◽  
The Impact

Purpose The purpose of this paper is to identify the potential impact of the utilization of game mechanics and game design techniques in the acceptance of mobile banking services. Design/methodology/approach The theoretical model was tested in a quantitative study using structural equation modelling, conducted in Brazil, with actual local banking customers. Findings The findings show that there is a direct and strong relationship between gamification and intention to use mobile banking services, supporting that, when used and designed properly, gamification can help make banking activities more exciting, more interesting and more enjoyable, and in turn increase customer acceptance, engagement and satisfaction. Research limitations/implications The research extends the unified theory of acceptance and use of technology (UTAUT2), and prior research to include gamification impact. The result is a more descriptive model that better explains consumers’ decision to use mobile banking services. Practical implications For practitioners, understanding the key constructs is crucial to design, refine and implement mobile banking services that achieve high consumer acceptance and value, and with the right amount of game techniques in them. Originality/value The globalization of business and systems is fuelling the need to acquire a deeper understanding of the impact of gamification in acceptance within the financial industry. This is the first time to the knowledge that UTAUT2 theory and a gamification construct are combined in a mobile banking acceptance work, supported by data from a South American country, enriching the existing literature on this subject and providing new insights into how game techniques influences individual behaviour.

Acceptance and use of mobile banking: an application of UTAUT2

2019 ◽  
Vol 32 (1) ◽  
pp. 118-151 ◽  
Author(s):  
Kwame Owusu Kwateng ◽  
Kenneth Afo Osei Atiemo ◽  
Charity Appiah
Keyword(s):  
User Experience ◽  
Educational Level ◽  
Financial Institution ◽  
Personal Digital Assistant ◽  
Primary Data ◽  
Mobile Banking ◽  
Financial Industry ◽  
Banking Services ◽  
Content Type ◽  
Use Of Technology

PurposeMobile banking (m-banking) can be defined as a service offered by a bank or any other financial institution that allows the customers of such establishments to carry out a variety of banking operations via a mobile device, such as a mobile phone, tablet or personal digital assistant. The purpose of this paper is to examine factors that influence customers to adopt and subsequently use m-banking services in Ghana using the unified theory of acceptance and use of technology 2 (UTAUT2) model with age, educational level, user experience and gender as moderators.Design/methodology/approachUsing questionnaire survey, the study sampled 300 users of m-banking services in Ghana as respondents. The primary data collected were analyzed using SmartPLS software.FindingsFindings of the study indicate that Habit, Price Value and Trust are the main factors influencing adoption and use of m-banking in Ghana. Individual differences of gender, age, educational level and user experience responded differently as they moderate the relationship between UTAUT2 constructs and use bahaviour. The applicability of UTAUT2 model was confirmed in the context of the research.Practical implicationsM-banking is a new phenomenon in Ghana’s financial industry, thus it is imperative to understanding the customer adoption behavior. The outcome will aid financial institutions to develop strategies that will sustain the interest of consumers to embrace m-banking.Originality/valueThis paper is among the first ever known attempts to examine m-banking adoption in Ghana using UTAUT2 model.

The moderating role of cultural factors in the adoption of mobile banking in Brazil

2019 ◽  
Vol 11 (1) ◽  
pp. 63-81 ◽  
Author(s):  
Alexandre da C. Goularte ◽  
Silvia Novaes Zilber
Keyword(s):  
Theoretical Model ◽  
Behavioral Intention ◽  
Cultural Dimensions ◽  
Mobile Banking ◽  
Content Type ◽  
Five Dimensions ◽  
Cultural Variables ◽  
Use Of Technology ◽  
Country Culture ◽  
The Impact

Purpose This study aims to evaluate the impact of country culture, represented by Hofstede cultural dimensions, in the adoption of Brazilian mobile banking services. Design/methodology/approach Based on the replication of a theoretical model previously tested in Mozambique (Africa) that combines the extended version of the unified theory of acceptance and use of technology (UTAUT2) with the five Hofstede cultural dimensions, this study tested that model in another emerging country, Brazil, using partial least squares (PLS) as a modeling method. Findings Replication showed that the cultural dimensions do not present strong significance in the moderation of the use of mobile banking. In fact, out of the five dimensions tested, three were not significant and two showed weak significance (p < 0.10): collectivism and short-term orientation. Those results, contrasting with that one presented by Baptista and Oliveira (2015), made sense under Ajzen’s theory (1991) – the TPB, leading to the conclusion that the moderation of cultural dimensions on behavior use is not applicable. Originality/value The authors concluded that the tested model may not be adherent, finding a theoretical gap to be explored in future studies: the moderation of the behavioral intention by cultural variables proposed by Hofstede. That finding supported the proposition of a new theoretical model, which considers the moderation of cultural dimensions in another place: behavioral intention to use mobile banking instead of the behavior use, as proposed by Baptista and Oliveira (2015). So, based on the research results and based on some authors cited in this study (Choi et al., 2014; Chou, 2013; Srite and Karahanna, 2006), it is proposed to insert Hofstede cultural variables as moderators of independent variables on the behavioral intention.

scholarly journals Finding the right management approach in independent hotels

2019 ◽  
Vol 31 (7) ◽  
pp. 2862-2883 ◽  
Author(s):  
Alireza Nazarian ◽  
Peter Atkinson ◽  
Pantea Foroudi ◽  
Karen Dennis
Keyword(s):  
Leadership Style ◽  
Structural Equation ◽  
Management Approach ◽  
Snowball Sampling ◽  
Content Type ◽  
Organisational Effectiveness ◽  
Independent Hotels ◽  
The Right ◽  
Reward Mechanism ◽  
The Impact

Purpose This study aims to identify factors that managers can influence to improve effectiveness by examining the relationship between leadership and effectiveness in small and medium-sized independent hotels. Design/methodology/approach In total, 272 valid questionnaires were collected from managers of 83 small and medium-sized independent hotels in the Netherlands by using selective and snowball sampling techniques. A two-stage structural equation modelling approach was used to test the hypotheses. Findings Surprisingly, in contradiction to previous studies, neither transactional nor transformational leadership had a direct effect on organisational effectiveness. Instead, the effect was through the intervening variables of ability to acquire resources and reward mechanisms. Research limitations/implications The contradiction between this and previous studies may be due to the fact that constructs used in this study do not have the universal applicability that is customarily assumed and further investigation is needed. Practical implications This study suggests that managers in this type of hotel, first, should be adaptable in their leadership style and not rely on transactional leadership alone; second, managers must pay attention to resource acquisition; and third, managers must retain staff by using the right reward mechanism. Originality/value This study contributes to the literature of leadership and effectiveness in small and medium-sized independent hotels by being the first to focus on the impact of ability to acquire resources and reward mechanism. It also makes an important contribution to the growing body of hospitality literature that probes the supposed universal validity of organisational studies’ constructs.

Mobile-banking adoption: empirical evidence from the banking sector in Pakistan

2018 ◽  
Vol 36 (7) ◽  
pp. 1386-1413 ◽  
Author(s):  
Maya F. Farah ◽  
Muhammad Junaid Shahid Hasni ◽  
Abbas Khan Abbas
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Banking Sector ◽  
Perceived Value ◽  
Equation Modeling ◽  
Mobile Banking ◽  
Content Type ◽  
Actual Use ◽  
Use Behavior ◽  
The Impact

Purpose The purpose of this paper is to study the important factors which help explain consumer intention and use behavior in mobile banking (m-banking) adoption. All constructs of the unified theory of acceptance and use of technology 2 are studied. Non-monetary value is studied through perceived value. Trust and perceived risk are also included to predict intention. Design/methodology/approach A questionnaire was utilized to evaluate customer responses on a five-point Likert scale. A convenience sampling technique was used to collect data from a sample of 490 respondents in Pakistan. The data were analyzed using AMOS and SPSS for Cronbach’s α, CR, CMV, AVE, Harmon’s single factor test, correlation and structural equation modeling. Findings The results of the study show that most of the predictors of intention, including perceived value, performance expectancy, habit, social influence, effort expectancy, hedonic motivation (except for facilitating condition), perceived risk and trust, are significant. All predictors of usage behavior are significant. Research limitations/implications A cross-sectional study was conducted due to time constraints. Practical implications Bank managers must focus on improving customers’ intentions to use m-banking as well as on providing facilitating conditions to increase its actual use. To boost mobile banking, banks’ management must consider the customers’ habits while designing their m-banking products. Originality/value The findings of this paper are not only interesting in terms of boosting m-banking diffusion rate, but also in terms of financial inclusion of the vast majority of mobile users. Further the impact of intention, facilitating condition and habit were checked on actual use behavior since people tend not always to act upon their intentions.

The role of green practices toward the green word-of-mouth using stimulus-organism-response model

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Irfan Hameed ◽  
Hamid Hussain ◽  
Kamran Khan
Keyword(s):  
Environmental Sustainability ◽  
Structural Equation ◽  
Word Of Mouth ◽  
Sampling Technique ◽  
Strong Relationship ◽  
Equation Modeling ◽  
Content Type ◽  
Green Practices ◽  
Green Trust ◽  
The Impact

PurposeConsumer's environmental awareness and friendliness have been growing, and consumers are increasingly concerned about the impact of hotel operations on the environment. This study evaluated the effect of green practices on the customer's green word-of-mouth (GWOM) intention for hotels with environment-friendly operations.Design/methodology/approachThe data have been collected from tourists by using the judgmental sampling technique, and a usable sample size of 257 respondents has been achieved. The data analysis has been performed using partial least squares-structural equation modeling (PLS-SEM).FindingsThere is a strong relationship between green practices adopted by hotels and the green image of hotels. This study also found that the green image of a hotel positively impacts consumer green satisfaction and green trust, and these two variables have significant influence over the GWOM.Practical implicationsThe study can be helpful in the promotion of environmentally sustainable consumer behavior in response to a stimulus being generated by the marketers and policymakers.Social implicationsThis study will further help society to share and discuss favorable information about environmental sustainability through GWOM.Originality/valueThe study investigated the effect of green hotels on GWOM approximately after one year of the COVID-19 outbreak. Hence, the results can ascertain to be the basis of the new policies of the hotels in post-COVID world.

Consequences of consumers’ emotional responses to government’s green initiatives

2019 ◽  
Vol 30 (1) ◽  
pp. 243-259 ◽  
Author(s):  
Ila Mehrotra Anand ◽  
Sanjaya Singh Gaur
Keyword(s):  
Structural Equation ◽  
Positive Emotions ◽  
Emotional Responses ◽  
Measurement Model ◽  
Equation Modeling ◽  
Content Type ◽  
The Government ◽  
The Right ◽  
Positive Word Of Mouth ◽  
The Impact

PurposeA government’s green initiatives are meant to prevent or reduce harm to society. Such initiatives can elicit positive emotions that may lead to generating a supportive public response to the government. The purpose of this paper is to understand the consumers’ emotional response to government’s actions toward making the society sustainable.Design/methodology/approachThe scenario-based experimental design is used in this study where one between-subjects manipulation is created for the government’s green actions, and one between-subjects control condition is created. A total of 140 respondents were assigned to experimental and 121 respondents were assigned to control groups using judgmental sampling. Partial least squares based structural equation modeling and confirmatory factor analysis was used for the testing of both structural and measurement model.FindingsPositive emotions (i.e. gratitude, pride and happiness) that are evoked by the manipulated scenario are found to have a direct impact on the consumers’ outcome behavior (i.e. positive word of mouth, identification with the government, interest in green initiatives of the government and interest in the government’s actions to grow the nation).Originality/valueThe research contributes to the literature on the social sustainability by examining the impact of emotional responses to the government’s green initiatives. This study shows that positive emotions can be evoked in the context of environmental quality by sending the right message to the consumers (i.e. the general public in this case).

scholarly journals Consumption values and mobile banking services: understanding the urban–rural dichotomy in a developing economy

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Heikki Karjaluoto ◽  
Richard Glavee-Geo ◽  
Dineshwar Ramdhony ◽  
Aijaz A. Shaikh ◽  
Ashna Hurpaul
Keyword(s):  
Structural Equation ◽  
Social Value ◽  
Epistemic Value ◽  
Equation Modeling ◽  
Mobile Banking ◽  
Banking Services ◽  
Content Type ◽  
Consumption Values ◽  
Functional Value ◽  
Emotional Value

PurposeThis study develops a theoretical model of consumption values regarding the technology adoption of mobile banking (m-banking) services, with the financial service sector as the empirical context. This study aims to evaluate whether consumption values influence trust and intention. Furthermore, the authors explore how the consumer type (i.e. urban vs rural) differs in consumption values regarding adopting m-banking services.Design/methodology/approachThe data for this study were gathered from 246 responses collected from individuals living in a country with a developing market, using a survey instrument. The six study hypotheses were tested using partial least squares structural equation modeling.FindingsThe authors found support for effects from functional, epistemic and emotional value on intention. Functional and emotional value significantly influenced trust, while social and epistemic value did not. Social value was a significant moderator between functional value and intention. Consumers who were relatively unconcerned with social value were more motivated by functional value, while consumers who placed great emphasis on social value were motivated by epistemic value. Multigroup analysis showed that the effect from functional value on trust was stronger for urban than rural customers, while the effect from emotional value on trust was stronger for rural than urban customers.Practical implicationsOverall, functional value is the strongest predictor of trust and intention; therefore, bank managers are encouraged to promote m-banking services' functional value to increase trust and attract more users by promoting their companies' m-banking application. M-banking customers can also be classified based on the benefits in which they are most interested.Originality/valueThe study is one of the first attempts to demonstrate empirically how consumption values' dimensions drive m-banking use among different types of customers in a developing market context with a high m-banking penetration rate.

The impact on competitiveness of customer value creation through relationship capabilities and marketing innovation

2019 ◽  
Vol 34 (3) ◽  
pp. 618-627 ◽  
Author(s):  
José Sánchez-Gutiérrez ◽  
Pablo Cabanelas ◽  
Jesús F. Lampón ◽  
Tania E. González-Alvarado
Keyword(s):  
Value Creation ◽  
Customer Value ◽  
Structural Equation ◽  
Customer Relationships ◽  
Content Type ◽  
Customer Needs ◽  
Marketing Innovation ◽  
Use Of Technology ◽  
Management Capabilities ◽  
The Impact

PurposeThe identification of customer needs through relationship management and their transformation into marketing innovation are two key processes in customer value creation. When combined, they can improve a firm’s competitive position, not only in terms of profitability but also by reducing costs and promoting the use of technology. The purpose of this paper is to analyze the link between managerial relational capability and marketing innovation in customer value creation, and to look at how that value creation affects competitiveness.Design/methodology/approachWe analyze 450 small- and medium-sized enterprises (SMEs) in the furniture industry in the metropolitan area of Guadalajara (Mexico). To this sample is applied a confirmatory factor analysis and a structural equation model to analyze the impact of management capabilities in relationships and marketing innovation on customer value creation and to determine how the value created affects competitiveness.FindingsThe results show that management capabilities in customer relationships and in the way they convert knowledge of customer needs into specific choices in the market have a positive effect on customer value creation, as well as on financial performance, cost optimization and the use of technology, all of which can be used as indicators of competitiveness.Originality/valueThe study covers customer value creation in an emerging economy, that of Mexico, and relates it to business competitiveness from a holistic point of view which goes beyond profitability by also including cost reduction and the use of technology.

scholarly journals The influence of Image and Service Value on Mobile Banking Loyalty

2019 ◽  
Vol 7 (12) ◽  
pp. 174-179
Author(s):  
Anabela Fragata
Keyword(s):  
Structural Equation Model ◽  
Structural Equation ◽  
Equation Model ◽  
Strong Impact ◽  
Mobile Banking ◽  
Banking Services ◽  
Service Value ◽  
Confirmatory Analysis ◽  
The Impact

This paper intends to empirically examine the impact of Image and Service Value on Mobile Banking Services Loyalty. The data was analysed by employing exploratory as well as confirmatory analysis and a Structural Equation Model was extracted from 120 Portuguese respondents. The results suggest that Image and Service Value are positively related with Mobile Banking Loyalty. We also found a strong impact of Image on the Perceived Service Value.

Brand equity and customer behavioral intentions: a mediated moderated model

2018 ◽  
Vol 36 (1) ◽  
pp. 19-40 ◽  
Author(s):  
Meena Rambocas ◽  
Vishnu M. Kirpalani ◽  
Errol Simms
Keyword(s):  
Customer Satisfaction ◽  
Brand Equity ◽  
Behavioral Intentions ◽  
Structural Equation ◽  
Management Strategies ◽  
Strong Relationship ◽  
Equation Modeling ◽  
Content Type ◽  
And Gender ◽  
The Impact

Purpose The purpose of this paper is to examine the relationship between brand equity and customer behavioral intentions to repeat purchases, willingness to pay a price premium, switch and provide positive word of mouth. It further explores the mediating role of customer satisfaction and the moderating impact of customer age, education and gender on these relationships. Design/methodology/approach Data were collected from 283 banking customers and analyzed with structural equation modeling. Findings The results supported a strong relationship between brand equity and all four measures of behavioral intent with customer satisfaction partially mediating these relationships. In addition, the results supported the moderating effect of customer age and education on the customer satisfaction-switch relationship. Practical implications The study provides a useful perspective on the impact of brand building investments on consumers’ behavioral intentions, which bank managers can use to monitor and evaluate the outcome of branding initiatives and relationship management strategies. Originality/value The study provides a nuanced understanding of the effect of brand equity on consumer behavioral intentions. It also explains the mediating and moderating effects of customer satisfaction and demographical characteristics.

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