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.

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.

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 Investigating the factors driving adult learners' continuous intention to use M-learning application: a fuzzy-set analysis

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Md Nahin Hossain ◽  
Md. Shamim Talukder ◽  
Abul Khayer ◽  
Yukun Bao
Keyword(s):  
Adult Learners ◽  
Fuzzy Set ◽  
Methodological Approach ◽  
Need Satisfaction ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Continuance Intention ◽  
Content Type

PurposeIn the era of m-learning environments, multiple factors have been considered to explain adult learners' continuance usage intention, but largely without considering the role of specific configurations of variables and how they may affect learners' intention. The purpose of this study is to show how cognitive need, subjective norms, perceived usefulness, satisfaction, confirmation, attitude and perceived ease of use combine to predict learners' frequent use intentions.Design/methodology/approachIt is empirically validated through configurational analysis, using fuzzy-set qualitative comparative analysis (fsQCA) on 211 adult learners with experience in using Mobile learning applications (MLA).FindingsThe findings show learners' satisfaction of MLA usage combined with the cognitive need and attitude were found to be core conditions reinforcing learners' continuance intention.Research limitations/implicationsThis study was conducted in the context of adult learners MLA whereby the motivations for continued usage and the nature of technological innovation could differ. In this regard, findings from this study may not be generalizable to other technological contexts.Practical implicationsIn the planning and development of learning apps, software developers should pay attention to practical functions and extend key features that are frequently required for solving a problem using the new skill. On the marketing side, MLA companies should emphasize the full functionality of their apps to cater efficiently to the different needs and expectations of the learners.Originality/valueThis study contributes by extending existing knowledge on how cognitive need, satisfaction and attitude combine to increase or mitigate continuance intention to use toward the development of new configurational theories. This study fills the gap in the literature by introducing adult learners' continuance intention to use MLA and introducing through a methodological approach of fsQCA in adult learners' context.

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.

Examining the intentions of a Ghanaian technical university students to use e-library

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Eugene Okyere-Kwakye ◽  
Khalil Md Nor
Keyword(s):  
University Students ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Library Resources ◽  
Technical University

Purpose Electronic library (E-library) is a form of computer mediated system that uses electronic media, such as Web/internet devices and distributes resources to improve on the quality of teaching and learning. Students’ use of e-library for learning is essential and as such the government has invested hugely into its subscription for several university libraries in Ghana. However, most university students feel reluctant to use the e-library resources for their studies. The purpose of this paper is therefore to examine the factors that influence students’ intention to use e-library resources for their studies. Design/methodology/approach Questionnaire was used to collect data from 200 students from one Technical University in Ghana. Structural equation modeling (SmartPLS) was used to analyze the data. Findings The study found that accessibility, attitude, perceived ease of use, perceived usefulness and relevance to studies have positive significant effect on students’ attitude to use e-library. In addition, self-efficacy, subjective norm and attitude have positive significant influence on students’ intention to use e-library. Research limitations/implications Although the sample frame used for this study may be unique, but the total amount of data collected was limited to providing the general representative of the Ghanaian students in one particular university. Other researchers may consider collecting data from other universities to extend the sample frame for a larger sample size of students. Practical implications Academic administrators need to organize training and workshops on how to use the e-library portal for their search and other didactic assignments. Most importantly, students should be given IT or internet tutorials as foundation for the use of the e-library portal. Social implications Universities have to provide internet access such as hotspot and network routers at the labs, classrooms and other vantage points. It is believed that with these in place, adequate access to the internet would promote students’ engagement on the e-library facility. Originality/value The study examines the factors that influence students’ intention to use e-library resources for their studies in Ghana.

What influence users’ e-finance continuance intention? The moderating role of trust

2018 ◽  
Vol 118 (8) ◽  
pp. 1647-1670 ◽  
Author(s):  
Wangyue Zhou ◽  
Zayyad Tsiga ◽  
Boying Li ◽  
Shuning Zheng ◽  
Shuli Jiang
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Continuance Intention ◽  
Website Quality ◽  
Content Type ◽  
Positive Effects

Purpose The purpose of this paper is to identify antecedents of e-finance continuance intention with Alibaba’s Yu’E Bao as an example. Design/methodology/approach An online questionnaire was used to collect the data (n=293), and partial least squares structural equation modeling was employed for data analysis. Four e-finance features (perceived reputation, website quality, e-finance familiarity and situational normality) are introduced with trust acting as a moderator between the users’ satisfaction and continuance intention to use an e-finance platform. Findings The results find that website quality, familiarity and situational normality can influence perceived ease of use (PEOU) and perceived usefulness (PU). PEOU and PU, together with reputation, are positively associated with confirmation which further leads to satisfaction. The positive effects that satisfaction and trust have on e-finance continuance intention are confirmed, and trust is found to be a significant moderator on the relationship between satisfaction and continuance intention. Practical implications The findings can be used to guide e-finance providers to improve their platform design and services to retain users. Originality/value This study combines the theory of trust, Technology Acceptance Model and Expectations Confirmation Theory to investigate the factors that influence the continuance intention in the context of e-finance in China.

scholarly journals From offline shopping to online shopping in Nigeria: evidence from African emerging economy

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Ambrose Ogbonna Oloveze ◽  
Chinweike Ogbonna ◽  
Emmanuel Ahaiwe ◽  
Paschal Anayochukwu Ugwu
Keyword(s):  
Social Influence ◽  
Direct Effect ◽  
Indirect Effect ◽  
Online Shopping ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Consumer Attitude ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Content Type

PurposeThe study builds on studies in online shopping. Existing studies in online shopping proved that it is an attraction to shoppers. In Nigeria's emerging economy the increasing Internet penetration does not equate with intention to use online shopping because it is not really used by users for online shopping. Consumers are considering it unattractive because of serious concerns that border on product quality of online shops and poor know-how on e-tech. The study sought to explore factors that could mitigate challenges to successful online shopping in Nigeria's emerging economy.Design/methodology/approachOnline survey method was used to sample 246 respondents. Measurement items were adapted from related literature. Confirmatory factor analysis and content validity were used to check the reliability and validity. A set of fit indices were used to check the goodness of fit. Data was analysed using structural equation model.FindingsResults indicate direct effects of consumer attitude, perceived usefulness and social influence on intention to use online shopping with consumer attitude shown to have a greater degree of importance towards intention to use online shopping. Thus, consumers' attitude of browsing online and going offline for purchases is dependent on attitude of like or dislike. Perceived ease of use, social influence and perceived usefulness had an indirect positive effect on consumer attitude to intention to use online shopping. Social influence is indicated to have a direct positive effect on perceived ease of use. Also perceived ease of use had a positive and direct effect on perceived usefulness.Research limitations/implicationsThe sample size is not large enough and the use of snowball sampling limits representativeness.Practical implicationsThe study indicated vital factors African emerging economies like Nigeria can use to improve consumer confidence towards intention to use online shopping and drive cashless policies. Several studies have missed the indirect effect of referents (social influence) on adoption of technology. The study proved that it can produce indirect effect as well as direct effect on intention to use online shopping.Originality/valueSeveral studies have missed the indirect effect of referents (social influence) on adoption of technology. The study proved that it can produce indirect effect as well as direct effect on online shopping.

scholarly journals FAKTOR PENENTU KUALITAS LAYANAN DAN MINAT UNTUK MELANJUTKAN PENGGUNAAN SISTEM PELAPORAN ONLINE

2017 ◽  
Vol 13 (2) ◽  
pp. 128
Author(s):  
Santirianingrum Soebandhi ◽  
Intan Nur Aini ◽  
Agus Baktiono
Keyword(s):  
Service Quality ◽  
Online Survey ◽  
Reporting System ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Survey Method ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Continuance Intention ◽  
Online Questionnaire

Abstrak: Faktor Penentu Kualitas Layanan dan Minat untuk Melanjutkan Penggunaan Sistem Pelaporan Online. Penelitian ini bertujuan untuk menganalisis pengaruh perceived usefulness, perceived ease of use, kenyamanan, dan keamanan terhadap kualitas layanan dan minat untuk melanjutkan menggunakan SIPP online di BPJS Ketenagakerjaan. Penelitian ini menggunakan metode survei online kepada 50 perusahaan peserta BPJS Ketenagakerjaan dengan segmentasi Platinum dan Gold. Kuesioner online diisi oleh Kepala Bagian Sumber Daya Manusia. Data dianalisis dengan menggunakan PLS-SEM. Penelitian ini menemukan bahwa kualitas layanan secara signifikan dipengaruhi oleh perceived ease of use dan kenyamanan, sedangkan minat melanjutkan penggunaan SIPP online hanya dipengaruhi oleh perceived usefulness. Kata Kunci: minat melanjutkan penggunaan, kualitas layanan, sistem pelaporan online Abstract: Determinants of Service Quality and Continuance Intention to Use Online Reporting System. This study aims to analyze the effect of perceived usefulness, perceived ease of use, convenience, and security towards service quality and continuance intention to use SIPP online at BPJS Employment. This study uses online survey method to 50 companies participating in BPJS Employment with Platinum and Gold segmentation. The online questionnaire was filled by the head of Human Resources Department. Data were analyzed using PLS-SEM. The results show that service quality was significantly influenced by perceived ease of use and convenience, while continuance intention to use SIPP online was only influenced by perceived usefulness. Keywords: continuance intention, service quality, online reporting system 

Mobile payment adoption process: a serial of multiple mediation and moderation analysis

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Wanny Oentoro
Keyword(s):  
Social Influence ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Multiple Mediation ◽  
Content Type ◽  
The Relationship

Purpose Global digital payment transactions increase continuously. Due to the inconsistencies that occurred across the research findings, past researchers have called for further investigation to verify and empirically test the mobile payment acceptance model. The purpose of this paper is to develop an integrative model that is derived from the multiple technology acceptance models (TAM)’s a theoretical framework and past literature to understand how consumers decided to adopt mobile payment. By simultaneously testing mechanisms, namely, ease of use, usefulness and risk, the current study will be able to advance scholarly knowledge of the underlying consumer’s attitude and behavior that link social influence to intention to use. Design/methodology/approach A total of 370 valid responses were collected using self-administered questionnaires distributed via online platforms, a representative for Thai consumers. An ordinary least square regression and bootstrap analyzes were conducted through PROCESS Macro to analyze the moderated serial-multiple mediation model in the consecutive inducing of social influence, perceived ease of use, perceived usefulness and perceived risk toward the consumer’s intention to use mobile payment. Findings Within the context of consumers evaluating a mobile payment, statistics significant were found for the hypothesized direct and indirect effects of perceived ease of use and perceived usefulness on an intention to use. The results showed that Thai consumers’ intention to use mobile payment was significantly affected by their attitudes in terms of usefulness and the less complication in using the applications. It is confirmed that social influence indirectly affects intention to use via the increase of perceived ease of use and perceived usefulness. The study also found a significant interaction between perceived risk and perceived usefulness toward intention to use. Practical implications It is recommended to service providers to continue improving the user-friendliness, navigation, integrity and furnish the system with more value-added activities within the mobile payment application. It is also essential for the company to deliver tutorials and clear and easy-to-follow instructions to customers. At the same time, the marketer should develop marketing strategies to promote the usefulness and simplicity of using the applications to the consumers. When consumers experienced the easiness and usefulness of the applications, these could overcome the resistance feeling to use due to the concern on any potential risk. Originality/value The study contributes to the existing body of knowledge on consumer usage behavior and TAM by integrating all important variables and developed a parsimony framework to explain consumers’ usage adoption on mobile payment. Moreover, the current study was the very first that proposed and tested a serial of multiple mediations of perceived ease of use and perceived usefulness, moderated by perceived risk, in the relationship between social influence and consumers’ intention to use mobile payment and discovered a moderating role of perceived risk toward the relationship between perceived usefulness and mobile payment usage intention.

Determinants of continuance intention to use mobile self-scanning applications in retail

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Andreia Ferreira ◽  
Graça Miranda Silva ◽  
Álvaro Lopes Dias
Keyword(s):  
Technology Acceptance ◽  
Direct Effect ◽  
Emerging Market ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Intention To Use ◽  
Continuance Intention ◽  
Content Type ◽  
Positive Direct

PurposeRetailers are increasingly using self-service technologies to improve customer experience and reduce costs. The purpose of this study is to identify factors that could explain the level of continuance intention of mobile self-scanning applications in retail. Based on previous theoretical streams, the present study integrates technology readiness (TR) and service quality into the technology acceptance model.Design/methodology/approachUsing data collected through an online survey of 217 users of a mobile self-scanning application of a large supermarket chain operating in Portugal, the study uses partial least squares structural equation modeling to test the proposed hypotheses.FindingsThe results indicate that the continuance usage of the self-scanning apps is directly driven by users' satisfaction and perceived usefulness. Findings also show that TR has a positive and significant impact on ease of use and perceived usefulness. Ease of use has a positive impact on users' satisfaction and perceived usefulness but has no direct effect on the continuance intention to use the application. Perceived quality has a positive direct effect on satisfaction and a positive indirect effect on continuance intention. Finally, need for interaction has a negative effect on TR.Originality/valueThis work contributes to a better understanding of the emerging market for mobile self-scanning applications in retail applications, particularly relevant in a digital transition context.

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