Service quality and self-determination theory towards continuance usage intention of mobile banking

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Dedi I. Inan ◽  
Achmad Nizar Hidayanto ◽  
Ratna Juita ◽  
Faiz Fadhillah Soemawilaga ◽  
Fivi Melinda ◽  
...  
Keyword(s):  
Service Quality ◽  
Structural Equation ◽  
Self Determination Theory ◽  
Perceived Usefulness ◽  
Self Determination ◽  
Mobile Banking ◽  
Content Type ◽  
Continuance Usage ◽  
Perceived Relatedness ◽  
Continuance Usage Intention

Purpose This research set out to investigate the quality service and self-determination theory (SDT) that contributes to the continuance usage of m-banking. Design/methodology/approach A valid of 310 respondents who experienced and intensified using the m-banking is collected. The proposed research model is empirically tested using structural equation modelling. Findings The result informs that the service quality can not only be significantly mediated by the SDT, but it also has a direct effect to the satisfaction. It also informs that the satisfaction and the perceived usefulness indeed have a significant effect to the continuance usage intention of the m-banking. In addition, it also demonstrates that the perceived competence and perceived relatedness of the SDT significantly influence satisfaction and perceived usefulness towards the continuance usage intention of the m-banking. Practical implications Practically, the results inform the bank management the factors to be taken into account to increase the motivation of the existing customers for them to continue using the m-banking. Originality/value Theoretically, these results contribute to the existing literatures of the m-banking by introducing the SDT that determines the continuance usage intention of it.

Adoption of mobile banking at the bottom of the pyramid: an emerging market perspective

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Sonal Purohit ◽  
Rakhi Arora
Keyword(s):  
Technology Acceptance ◽  
Migrant Workers ◽  
Structural Equation ◽  
Emerging Market ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Bottom Of The Pyramid ◽  
Mobile Banking ◽  
Content Type

PurposeThis paper aims to investigate the factors that affect mobile banking adoption among the bottom of the pyramid (BoP) group in an emerging market.Design/methodology/approachData were collected from 332 bank customers in the BoP group through a questionnaire based on previously validated scales. Structural equation modeling (SEM) was applied using SmartPLS 2.0 to analyze the data.FindingsIt was found that perceived usefulness (PU) and perceived ease of use (PEoU) influence the attitude toward mobile banking positively whereas the perceived risk (PR) and perceived deterrents (PDs) influence the attitude negatively. The subjective norms (SNs) and the attitude positively affect mobile banking adoption. Knowledge of mobile banking has a strong effect on the PEoU, but it does not influence the PU of mobile banking.Originality/valueThis research makes an original contribution to the extant research and fills the gap by exploring the factors that affect the mobile banking adoption among a distinct BoP group (migrant workers) in an emerging market. The authors make use of knowledge of mobile banking and PDs as novel and important constructs in the technology acceptance model (TAM) to explore the factors that affect mobile banking adoption among the BoP.

Understanding continuance usage intention of mHealth in a developing country

2020 ◽  
Vol 14 (2) ◽  
pp. 251-272 ◽  
Author(s):  
Md Abdul Kaium ◽  
Yukun Bao ◽  
Mohammad Zahedul Alam ◽  
Md. Rakibul Hoque
Keyword(s):  
Structural Equation ◽  
Information Quality ◽  
Service Providers ◽  
Least Squares Method ◽  
System Quality ◽  
Content Type ◽  
Factors Affecting ◽  
Continuance Usage ◽  
The Government ◽  
Continuance Usage Intention

Purpose This study aims to understand the factors affecting the continuance usage intention (CUI) of mHealth among the rural elderly. Design/methodology/approach An integrated model was proposed with the constructs derived from multiple models such as the unified theory of acceptance and use of technology, information system success model and expectation confirmation model. Data were collected from 400 participants who had prior experiences with mHealth services in Bangladesh. The research model was tested using the partial least squares method based upon structural equation modelling. Findings The findings indicated that system quality, performance expectancy, facilitating conditions and social influence were significant to the degree of confirmation and ultimately affect satisfaction and CUI. Surprisingly, service quality and information quality were insignificant. Research limitations/implications This study has added in the field of knowledge by contributing some new thoughts and interpretations of continuance usage modelling for mHealth services. The findings may become beneficial for the government agencies, policymakers, mHealth systems developers and service providers. Originality/value As limited research was found on CUI of mHealth in the integrated view of rural elderly’s value, this research contributes to the extant literature by categorizing key factors that might support to proliferate the continuance usage of this service. Moreover, the contextualization of the related variables and integration of the existing model is theoretically original. Furthermore, because of a generic approach, the findings could be easily modified to assist other developing countries in the planning and up-take of mHealth.

3G post adoption users experience with telecommunications services

2016 ◽  
Vol 7 (3) ◽  
pp. 361-394 ◽  
Author(s):  
Sajad Rezaei ◽  
Muslim Amin ◽  
Minoo Moghaddam ◽  
Norshidah Mohamed
Keyword(s):  
Service Quality ◽  
Customer Service ◽  
Structural Equation ◽  
Structural Model ◽  
Perceived Usefulness ◽  
Design Management ◽  
Content Type ◽  
Path Modelling ◽  
Telecommunications Services ◽  
The Impact

Purpose The purpose of this study is to examine the impact of service quality, perceived usefulness and users’ cognitive satisfaction to determine the third-generation (3G) mobile phone users’ behavioural retention in using 3G telecommunications services. Design/methodology/approach A total of 243 valid questionnaires were collected from 3G users in the Klang Valley, Malaysia. The combination of partial least squares (PLS) path modelling approach and structural equation modelling (SEM; PLS-SEM) technique was used to analyze the measurement and structural model. Findings Our empirical assessment supports the proposed research hypotheses and further suggests that service quality is a second-order reflective construct comprising navigation and visual design, management and customer service and system reliability and connection quality. Originality/value Prior studies have examined the impact of service quality, perceived usefulness, overall users’ satisfaction and behavioural intention on an information system in general. This study is among the few studies that have attempted to gain insights into 3G users’ post-adoption experience with telecommunications services.

Understanding the determinants of mobile payment continuance usage

2014 ◽  
Vol 114 (6) ◽  
pp. 936-948 ◽  
Author(s):  
Tao Zhou
Keyword(s):  
Structural Equation ◽  
Early Stage ◽  
Mobile Internet ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Mobile Payment ◽  
System Quality ◽  
Content Type ◽  
Performance Expectancy ◽  
Continuance Usage

Purpose – The purpose of this paper is to identify the factors affecting continuance usage of mobile payment. Design/methodology/approach – Based on the valid responses collected from a survey questionnaire, structural equation modeling (SEM) technology was employed to examine the research model. Findings – The results indicated that performance expectancy, trust in mobile payment and flow affect continuance usage. Among them, flow has a relatively larger effect. In addition, system quality has strong effects on performance expectancy and flow. Research limitations/implications – This research is conducted in China, where mobile internet is still in its early stage. Thus, the results need to be generalized to other countries that have developed mobile internet. Originality/value – Extant research has mainly focussed on the effects of instrumental beliefs such as perceived usefulness on mobile payment user behavior, and has seldom considered the effect of flow experience. This research tries to fill the gap.

scholarly journals Consumer adoption of mobile banking in Jordan

2016 ◽  
Vol 29 (1) ◽  
pp. 118-139 ◽  
Author(s):  
Ali Abdallah Alalwan ◽  
Yogesh K. Dwivedi ◽  
Nripendra P. P. Rana ◽  
Michael D. Williams
Keyword(s):  
Technology Acceptance ◽  
Conceptual Model ◽  
Perceived Risk ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Convenience Sample ◽  
Content Type ◽  
Factors Influencing

Purpose – The purpose of this paper is to propose and examine a conceptual model that best explains the key factors influencing Jordanian customers ' intention to adopt mobile banking (MB). Design/methodology/approach – The proposed conceptual model was based on the Technology Acceptance Model (TAM). This was extended by adding perceived risk and self-efficacy as an external factors. Structural equation modelling (SEM) was conducted to analyse the data collected from the field survey questionnaires administered to a convenience sample of Jordanian banking customers. Findings – The results showed that behavioural intention is significantly influenced by perceived usefulness, perceived ease of use, and perceived risk. Research limitations/implications – Practical and theoretical implications for both Jordanian banks and researchers in the MB context are also discussed in the concluding section. Originality/value – MB-related issues are yet to be examined empirically in the Jordanian context. This submission has attempted to fill this gap by empirically examining some of the important factors influencing the adoption of MB from the Jordanian customers’ perspective.

More than lip service to internal market orientation: a multilevel investigation of the role of internal service quality

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Ziying Mo ◽  
Matthew Tingchi Liu ◽  
IpKin Anthony Wong
Keyword(s):  
Organizational Commitment ◽  
Service Quality ◽  
Self Determination Theory ◽  
Self Determination ◽  
Content Type ◽  
Internal Service Quality ◽  
Internal Market Orientation ◽  
Task Satisfaction ◽  
Job Task ◽  
Service Profit Chain

Purpose Drawing on self-determination theory and the service-profit chain, this study aims to expand the current understanding of the internal processes of internal market orientation (IMO) on an organizational commitment by investigating the interactive effect between job (task) satisfaction and internal service quality in the field of hospitality and tourism. Design/methodology/approach This study examines the cross-level effects of internal service quality through a time-lagged field study with multilevel structural equation modeling analysis that involved 667 frontline employees from 40 casino hotels. Findings The results reveal the IMO has an indirect effect on affective and normative organizational commitments through the interaction of job (task) satisfaction with internal service quality, such that internal service quality compensates for relatively low levels of job (task) satisfaction. While no indirect effect is found on continuance organizational commitment. Research limitations/implications This study extends the service-profit chain by integrating self-determination theory and by investigating IMO’s indirect effects on commitment through the interaction between job (task) satisfaction and internal service quality. Practical implications The study provides practical solutions to the employee servicing and employee retention dilemmas faced by casino organizations. Originality/value This study advances the service-profit chain literature by proposing and theorizing an internal process of IMO, through the cross-level buffering effect of internal service quality on the relationship between job (task) satisfaction and organizational commitment. This study further presents the theoretical and managerial implications by understanding how employees’ perceptions and interpretations of IMO affect their commitment.

MFS usage intention during COVID-19 and beyond: an integration of health belief and expectation confirmation model

2022 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Farjana Nur Saima ◽  
Md. H. Asibur Rahman ◽  
Ratan Ghosh
Keyword(s):  
Self Efficacy ◽  
Service Providers ◽  
Health Belief ◽  
Perceived Usefulness ◽  
Continuance Intention ◽  
Content Type ◽  
Perceived Credibility ◽  
Continuance Usage ◽  
Continuance Usage Intention ◽  
Expectation Confirmation

Purpose The usage rate of mobile financial services (MFS) has shown an uptick since the emergence of the COVID-19 pandemic in Bangladesh. This study aims to reveal the underpinning reasons for such MFS surge and its continuance by integrating health belief model (HBM) and expectation confirmation model (ECM).Design/methodology/approach The study analyzes 529 MFS users' responses during the second wave of the COVID-19 outbreak in Bangladesh using the partial least square method.Findings Satisfaction is more predictive than perceived usefulness in explaining continuance usage intention. Expectation confirmation also indirectly affects continuance intention. Among the HBM constructs, the indirect effect of perceived severity on continuance intention via perceived usefulness and satisfaction is significant. Besides, the impact of self-efficacy on continuance intention is also significant. Moreover, perceived credibility significantly affects satisfaction and indirectly affected continuance usage intention via satisfaction.Practical implications The study projects boosting customers' satisfaction is critical for the successful retention of existing MFS customers. MFS service providers should emphasize the factors that amplify satisfaction. They must evaluate preadoption factors so that customers can have positive confirmation. Especially, the service providers, the policymakers and the regulators should take an active role in improving the users' self-efficacy and the system's credibility. Undertaking the MFS literacy program, installing hotline service to provide emergency help will boost users' confidence in using the system.Originality/value The study is a unique contribution in the context of Bangladesh. To the best of the authors’ knowledge, no previous MFS studies in Bangladesh explored MFS continuance usage intention during COVID-19 and beyond. Besides, the inclusion of “perceived credibility” in the framework will supplement the earlier studies conducted on this aspect.

The impact of motivation on customer satisfaction formation: a self-determination perspective

2015 ◽  
Vol 49 (11/12) ◽  
pp. 1923-1940 ◽  
Author(s):  
Christopher White
Keyword(s):  
Customer Satisfaction ◽  
Service Quality ◽  
Positive Emotions ◽  
Self Determination Theory ◽  
Self Determination ◽  
Content Type ◽  
Two Stages ◽  
The Impact ◽  
First Time

Purpose – The purpose of the study is to examine the way different motivational types from Self-Determination Theory (SDT) influence antecedents of customer satisfaction. Design/methodology/approach – The findings in this study were generated with a quantitative design using path analysis on data collected at two stages during an extended service encounter. Findings – Each motivation type played a unique and important role in influencing the antecedents of satisfaction, namely, positive and negative emotions and perceptions of service quality. As hypothesised, motives associated with higher levels of autonomy were consistently stronger predictors of positive emotions and service quality. The influence of motives on the antecedents did not change significantly over time, whereas significant differences were noted between all antecedents and satisfaction. The model explained 54 and 63 per cent of the variance in satisfaction in times one and two, respectively. Originality/value – This is the first time that motivation as conceptualised from an SDT perspective has been applied to understanding the dynamic nature of customer satisfaction. The findings offer considerable opportunities for follow-up studies and the motivation types can provide practitioners with a stable and efficient segmentation option.

Integration of DeLone and McLean and self-determination theory in internet banking continuance intention context

2019 ◽  
Vol 27 (3) ◽  
pp. 512-528 ◽  
Author(s):  
Samar Rahi ◽  
Mazuri Abd.Ghani
Keyword(s):  
Service Quality ◽  
Self Determination Theory ◽  
Internet Banking ◽  
Self Determination ◽  
Continuance Intention ◽  
Content Type ◽  
Delone And Mclean ◽  
Intrinsic Regulation ◽  
Use Of Internet ◽  
Identified Regulation

Purpose The proliferation of information technology has changed the banking system globally. Internet technology has not only allowed banks to offer products and services but also improved their ability to retain customers. This study aims to examine internet banking user’s continuance intention by integrating two well-known theories DeLone and McLean information system success model (D&M) and self-determination theory (SDT). Design/methodology/approach The research model was tested using survey data from 398 customers of commercial banks. The respondents were internet banking users. Data were analyzed using structural equation modeling. Findings The results revealed that internet banking user continuance intention is jointly determined by information quality (INFQ), service quality, satisfaction, introjected regulation, external regulation, intrinsic regulation and identified regulation. The integrated model explained 75.4 per cent variation in customer’s continuance intention to use internet banking. The results suggested that intrinsic regulation and identified regulation were the most important human motivation factors that drive customer’s intention toward continue use of internet banking. Practical implications The findings imply that managers seeking user satisfaction should focus on INFQ and service quality to enhance user continuance intention. Policymakers should focus on intrinsic and identified regulation of internet banking users. Some of the ways banks can do this is to develop enjoyable internet banking website with kind of reward system, activities that have the charm of novelty, challenge or aesthetic significance will help to improve user’s intention to continue use of internet banking. Originality/value This study contributes to the literature by integrating D&M and SDT in continuance intention and different from several traditional studies that had investigated the initial acceptance of internet banking users.

scholarly journals Explaining an Adoption and Continuance Intention to Use Contactless Payment Technologies: During the COVID-19 Pandemic

2021 ◽  
Vol 5 (1) ◽  
pp. 85-95
Author(s):  
Wilert Puriwat ◽  
Suchart Tripopsakul
Keyword(s):  
Consumer Satisfaction ◽  
Structural Equation ◽  
New Technologies ◽  
Explanatory Power ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Continuance Intention ◽  
Perceived Susceptibility ◽  
Continuance Usage ◽  
Continuance Usage Intention

The COVID-19 pandemic has affected the lives of people and services, pushing them toward new technologies that are in step with the development of a “New Normal” way of life. Contactless technologies have been realized as a mechanism to reduce the risks of infection, accelerating the move to touchless behaviors. The purpose of this study is to develop an Integrated Expectation-Confirmation and Health Belief Model (ECHBM) to explain an adoption and continuance intention to use contactless technologies during the COVID-19 pandemic in Thailand. Based on an empirical research survey of 142 samples, the proposed conceptual model was empirically validated using structural equation modelling (SEM). The study found that perceived usefulness, perceived susceptibility, perceived seriousness, and satisfaction significantly influenced continuance usage intention of contactless payment technologies, whereas perceived usefulness and confirmation were found to be significant determinants of consumer satisfaction. The effect of perceived susceptibility was found to be relatively higher than that of satisfaction, and confirmation was found to have an indirect effect on continuance usage intention through perceived usefulness and satisfaction. The integrated ECHBM model has strong explanatory power (56.8%) to predict customers’ continuance usage intention toward use of contactless payment technologies during the COVID-19 pandemic. The study proposes a novel challenge to explain an adoption and continuance intention to use contactless payment technologies as a protective health behavior to mitigate risks of being infected by COVID-19. Doi: 10.28991/esj-2021-01260 Full Text: PDF

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