Behavioural intention and adoption of internet banking among clients’ of Islamic banks in Malaysia: an analysis using UTAUT2

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Hassanudin Mohd Thas Thaker ◽  
Mohamed Asmy Mohd Thas Thaker ◽  
Ahmad Khaliq ◽  
Anwar Allah Pitchay ◽  
Hafezali Iqbal Hussain
Keyword(s):  
Internet Banking ◽  
Positive Influence ◽  
Partial Least Square ◽  
Least Square ◽  
Behavioural Intention ◽  
Islamic Banks ◽  
Kuala Lumpur ◽  
Content Type ◽  
Use Of Technology ◽  
Facilitating Conditions

Purpose This study aims to investigate the behavioural intention and adoption of internet banking (IB) among clients of local and foreign Islamic banks in Malaysia. Design/methodology/approach Survey questionnaires were distributed among the Islamic banks’ clients at two main states, namely, Kuala Lumpur and Selangor. The number of clients involved is 319 (n = 319). The data was analysed using the partial least square (PLS) and theoretically, the research framework in this study is guided by the unified theory of acceptance and use of technology 2 (UTAUT2). Findings The smart PLS analysis yielded three main outcomes, namely, the variables such as performance expectancy, effort expectancy, price value, facilitating conditions and habit have a positive influence over the behavioural intention and subsequently lead to the adoption of IB. The other two variables, namely, social influence and hedonic motivation were negatively-related and insignificant for behavioural intention. Third, this paper also noticed that facilitating conditions and habits have a direct relationship with the adoption of IB. Practical implications Based on the findings, Islamic banks can take necessary action to design a better policy to further accelerate the usage of IB among their client. By identifying those factors, this, perhaps, can allow Islamic banks to invest more ideas on those significant factors that influence their interest, and subsequently leads to good business to Islamic banks as the clients nowadays are looking for simplicity and convenience factors when using IB. Originality/value This research is expected to enhance existing literature on internet banking, especially in Islamic banking research on the technological edge. Limited research has been done in Malaysia, particularly on the intention and continuous adoption of IB in Islamic banks using the UTAUT2 framework. This would be breakthrough research in identifying factors that influence customers’ continuous adoption of IB.

The effects of convenience and speed in m-payment

2015 ◽  
Vol 115 (2) ◽  
pp. 311-331 ◽  
Author(s):  
Aik-Chuan Teo ◽  
Garry Wei-Han Tan ◽  
Keng-Boon Ooi ◽  
Teck-Soon Hew ◽  
King-Tak Yew
Keyword(s):  
Service Providers ◽  
Partial Least Square ◽  
Least Square ◽  
Decision Makers ◽  
Content Type ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
And Performance ◽  
Facilitating Conditions ◽  
Practical Implications

Purpose – The purpose of this paper is to uncover the effects of perceived transaction convenience (PTC) and perceived transaction speed (PTS) on unified theory of acceptance and use of technology (UTAUT) in the context of m-payment. Design/methodology/approach – A predictive analysis approach was used to examine the PTC and PTS using a two-stage partial least square (PLS) and neural network (NN) analyses. Findings – The findings reveal that only effort expectancy (EE) and facilitating conditions (FC) were discovered to significantly influence BI. More importantly, PTC was found to have positive significant relationship with EE and performance expectancy (PE). Moreover, PTS also supported the positive relationship with BI and EE. Practical implications – The findings of the study provided further insights to mobile payment service providers, online banking industry players, and all decision makers and stakeholders involved. Originality/value – Despite of many attempts devoted to understand m-payment adoption, the effects of PTC and PTS on m-payment are not well understood.

Predicting behavioural intention toward Islamic bank: a multi-group analysis approach

2019 ◽  
Vol 10 (4) ◽  
pp. 1091-1103 ◽  
Author(s):  
Dwi Suhartanto
Keyword(s):  
Group Analysis ◽  
Partial Least Square ◽  
Least Square ◽  
Behavioural Intention ◽  
Islamic Banks ◽  
Content Type ◽  
Islamic Bank ◽  
Bank Managers ◽  
The Impact ◽  
Practical Implications

PurposeThis study aims to examine behavioural intention towards Islamic bank including three determinants: religiosity, trust and image across customers and non-customers.Design/methodology/approachThis study uses 400 samples, consisting of customers and non-customers of Islamic banks collected from Bandung, Indonesia. Partial least square was applied to evaluate the association between religiosity, trust, image and behavioural intention.FindingsThis study reveals a direct effect of religiosity on behavioural intention and indirect effect through trust and image for both customers and non-customers of Islamic banks. Although the impact of religiosity on trust, image and behavioural intention is significant in both the customer and non-customer sample, the effect of religiosity on the customer is higher compared to that of non-customer.Practical implicationsThis study provides an opportunity for Islamic bank managers to increase the behavioural intention among the customer, as well as non-customer. To increase behavioural intention amongst customers and non-customers, Islamic bank managers need to keep the bank operation compliant with theSharialaw, maintain a good image and gain trust from both customers and non-customers.Originality/valueThis study is the first attempt to evaluate the behavioural intention towards Islamic bank across customers and non-customers.

Empathic technologies for distance/mobile learning

2017 ◽  
Vol 14 (2) ◽  
pp. 159-180 ◽  
Author(s):  
Pedro Isaias ◽  
Francisco Reis ◽  
Clara Coutinho ◽  
Jose Alberto Lencastre
Keyword(s):  
Distance Learning ◽  
Social Influence ◽  
Technology Acceptance ◽  
Positive Influence ◽  
Partial Least Square ◽  
Least Square ◽  
Content Type ◽  
Performance Expectancy ◽  
Effort Expectancy ◽  
Facilitating Conditions

Purpose This paper examines the acceptance, of a group of 79 students, of an educational forum, used for mobile and distance learning, that has been modified to include empathic characteristics and affective principles. Design/methodology/approach With this study is proposed that the introduction of empathic and affective principles in educational forums is a useful and effective way to increase students’ participation and motivation in educational contexts. After an analysis of existing literature and research on the subject of empathic technology, the unified theory of acceptance and use of technology (UTAUT) was used as a framework for the research model. The analysis of their acceptance is done via an extended version of the UTAUT that focuses on the use of the variable attitude toward technology and uses gender, age and experience as moderators. A partial least square technique has been used to test the nine hypotheses. Findings The results confirmed three of the nine hypotheses: performance expectancy and effort expectancy had a positive influence on the students attitudes towards empathic forums, while the effect of social influence and facilitating conditions was considered insignificant; social influence had a positive influence on the students’ behavioral intention to use emphatic forums, while attitude toward technology, performance expectancy, facilitating conditions and effort expectancy were considered not relevant. Originality/value The focus of this study was the influence of attitude toward empathic forums, used for mobile and distance learning, and the results establish the grounds for future research on attitude as an important determinant of technology acceptance.

scholarly journals Mobile services adoption in a hospitality consumer context

2018 ◽  
Vol 12 (1) ◽  
pp. 143-158 ◽  
Author(s):  
Paulo Rita ◽  
Tiago Oliveira ◽  
António Estorninho ◽  
Sérgio Moro
Keyword(s):  
Perceived Value ◽  
Partial Least Square ◽  
Least Square ◽  
Intention To Use ◽  
Adoption Studies ◽  
Content Type ◽  
Behavior Intention ◽  
Use Of Technology ◽  
And Performance ◽  
Facilitating Conditions

Purpose This study aims to present a model drawn on both the extension of the unified theory of acceptance and use of technology (UTAUT2) and the perceived value for explaining consumer behavior toward mobile hospitality services (MHS) from two perspectives: intention to use and recommendation. Design/methodology/approach The partial least square (PLS) was applied to data gathered from 348 validated responses to a survey to test a number of research hypotheses. Findings Results found that the proposed conceptual model explains 62 per cent of the intention to use of MHS and 51 per cent of the variation in the recommendation. Perceived value plays a role in explaining both the intention to use and recommend MHS, with both constructs also helping in explaining behavior intention, to which effort expectancy, facilitating conditions and performance expectancy also contribute. Originality/value This research goes beyond perceived value by combining it with a cornerstone model, UTAUT2, used in technology adoption studies. The paper addresses updated MHS that include but are not limited to mobile hotel reservations.

What catalyses mobile apps usage intention: an empirical analysis

2015 ◽  
Vol 115 (7) ◽  
pp. 1269-1291 ◽  
Author(s):  
Jun-Jie Hew ◽  
Voon-Hsien Lee ◽  
Keng-Boon Ooi ◽  
June Wei
Keyword(s):  
Mobile Applications ◽  
Educational Level ◽  
Mobile Apps ◽  
Partial Least Square ◽  
Least Square ◽  
Content Type ◽  
Use Of Technology ◽  
Sample Data ◽  
Facilitating Conditions ◽  
Application Developers

Purpose – Considering the lack of understanding of the mobile applications (mobile apps) market and low usage rates among Malaysians, Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) was adapted to investigate the determinants of consumer behavioural intention (BI) to use mobile apps. Design/methodology/approach – A total of 288 sample data was collected and analysed using partial least square equation modelling (PLS-SEM) method. Findings – All of UTAUT2 constructs (i.e. performance expectancy, effort expectancy, facilitating conditions, hedonic motivation, and habit), except for price value and social influence, significantly relate with BI to use mobile applications. Habit was reported to have the strongest influence. Gender and educational level were found to be insignificant moderators. Practical implications – Mobile application developers could have better understanding on users’ needs and intention, based on the findings. Originality/value – In order to shed light on current problems, and there is a dearth in relevant studies which could resolve the issue, this paper contributes the necessary knowledge on mobile apps acceptance to developers. Educational level was added into UTAUT2 as a moderator in addition to gender.

Millennial behavioural intention in Islamic banks: the role of social media influencers

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
David Dean ◽  
Dwi Suhartanto ◽  
Ferty Nadya Pujianti
Keyword(s):  
Social Media ◽  
Partial Least Square ◽  
Least Square ◽  
Behavioural Intention ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Content Type ◽  
Behavioural Intentions ◽  
Islamic Bank

Purpose This study aims to examine the role of social media influencers (SMI) in millennial behavioural intentions towards Islamic banks, from the perspective of both bank clients and non-clients. Design/methodology/approach Of the 484 Indonesian millennials in the sample, 278 were clients and 206 non-clients of Islamic banks. Factor analysis was used to examine the SMI dimension in the Islamic banking context. This study then used the partial least square to evaluate the proposed model and test the relationships between SMI, bank image, trust and behavioural intention. Findings Three SMI dimensions were confirmed, i.e. expertise, celebrity and similarity. For bank clients, the findings show that SMI has a significant influence on behavioural intention and reinforces bank image and trust. For non-clients, SMI does not have a significant impact on behavioural intentions but significantly strengthens bank image and trust. Practical implications Islamic bank managers can take benefit of this study findings by learning to foster the behavioural intentions of their millennial clients and non-clients using SMIs. Further, choosing the right SMIs for their Islamic bank is an important activity, and if they want to make a positive impact on existing and potential millennial clients, they need to choose popular millennials who are knowledgeable about the Islamic value compliance of Islamic banking services. Originality/value This study is an early study to explore SMI’s role in influencing the behavioural intentions of millennials towards Islamic banks.

Modeling the Factors that Influence Ghanaian Entrepreneurs to Adopt e-Commerce

2021 ◽  
Vol 18 (06) ◽  
Author(s):  
Frederick Pobee
Keyword(s):  
Structural Equation ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Unified Theory ◽  
Cross Sectional ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Facilitating Conditions

This study investigated the factors that influence Ghanaian entrepreneurs to adopt e-commerce. Cross-sectional data was gathered from 520 entrepreneurs in the most populous and industrious regions in Ghana. The unified theory of acceptance and use of technology (UTAUT) was employed to effectively understand the unexplored phenomenon of e-commerce adoption among Ghanaian entrepreneurs. Partial Least Square-Structural Equation Modeling (PLS-SEM) was used to test the hypothesized relationships. The findings indicate that performance expectancy, effort expectancy, and social influence (SI) positively and significantly influenced the behavioral intention (BI) to adopt e-commerce. Facilitating conditions (FC) and BI had a significant positive relationship with the adoption of e-commerce.

An Empirical Study of User Acceptance Behaviours of Internet Banking in Tunisia Using UTAUT2 Model

2021 ◽  
Vol 12 (4) ◽  
pp. 16-34
Author(s):  
Wadie Nasri
Keyword(s):  
Structural Equation ◽  
Positive Impact ◽  
Internet Banking ◽  
Equation Model ◽  
Behavioural Intention ◽  
Mobile Banking ◽  
Use Of Technology ◽  
Proposed Model ◽  
Facilitating Conditions ◽  
Internet Banking Services

The conceptual model proposed was based on the extended unified theory of acceptance and use of technology (UTAUT2). The proposed model was empirically tested using survey data provided by 203 respondents and was analyzed using a structural equation model (SEM). The analysis results indicated that performance expectancy, effort expectancy, social influence, and facilitating conditions show a significant positive impact on the users' behavioural intention to use internet banking services. However, price value, hedonic motivation, and habit do not positively influence the behavioural intention. This study offers Tunisian banks some guidelines to develop strategies and to improve their services in order to increase the adoption of mobile banking by their customers.

Exploring Antecedents of Behavior Intention to Use Internet Banking in Korea

2011 ◽  
pp. 38-55 ◽  
Author(s):  
Kun Chang Lee ◽  
Namho Chung
Keyword(s):  
Self Efficacy ◽  
Research Question ◽  
Internet Banking ◽  
Partial Least Square ◽  
Least Square ◽  
The Self ◽  
The Internet ◽  
Behavior Intention ◽  
Facilitating Conditions ◽  
Internet Banking Services

This study is aimed at analyzing adoption and usage behavior within the context of Internet banking services in South Korea. In a country where the penetration rate of the Internet is very high, it seems that the self-efficacy would play a crucial role in affecting the Internet banking adoption. To pursue this research question, this study adopts TAM and incorporates the self-efficacy into TAM as one of antecedent variables such as risk, Internet experience, facilitating conditions. The proposed research model is tested empirically with 185 usable questionnaires and partial least square (PLS) method. Experimental results showed that the self-efficacy plays a prominent role in influencing the Internet banking usage compared to other factors.

Exploring Antecedents of Behavior Intention to Use Internet Banking in Korea

2009 ◽  
Vol 1 (3) ◽  
pp. 30-47 ◽  
Author(s):  
Kun Chang Lee ◽  
Namho Chung
Keyword(s):  
Self Efficacy ◽  
Research Question ◽  
Internet Banking ◽  
Partial Least Square ◽  
Least Square ◽  
The Self ◽  
The Internet ◽  
Behavior Intention ◽  
Facilitating Conditions ◽  
Internet Banking Services

This study is aimed at analyzing adoption and usage behavior within the context of Internet banking services in South Korea. In a country where the penetration rate of the Internet is very high, it seems that the self-efficacy would play a crucial role in affecting the Internet banking adoption. To pursue this research question, this study adopts TAM and incorporates the self-efficacy into TAM as one of antecedent variables such as risk, Internet experience, facilitating conditions. The proposed research model is tested empirically with 185 usable questionnaires and partial least square (PLS) method. Experimental results showed that the self-efficacy plays a prominent role in influencing the Internet banking usage compared to other factors.

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