Behavioural intention to adopt mobile banking among the millennial generation

2016 ◽  
Vol 17 (1) ◽  
pp. 18-31 ◽  
Author(s):  
Evon Tan ◽  
Jasmine Leby Lau
Keyword(s):  
University Students ◽  
Generation Y ◽  
Perceived Risk ◽  
Behavioural Intention ◽  
Mobile Banking ◽  
Content Type ◽  
Intention To Adopt ◽  
Use Of Technology ◽  
The Relationship ◽  
College Or University

Purpose The purpose of this paper was to examine the intention to adopt mobile banking services among Generation Y consumers using the unified theory of acceptance and use of technology Unified Theory of Acceptance and Use of Technology (UTAUT) model. Design/methodology/approach The paper investigated responses from a particular sub-group of Generation Y consumers that is college or university students. The final sample collected was 347 cases, representing a response rate of 90.4 per cent. Two sets of analyses were performed: multiple regression analyses testing the extended UTAUT model and a mediated regression analysis testing the intervening effect of performance expectancy (PE) on the relationship between effort expectancy (EE) and behavioural intention. Findings Multiple regression analysis revealed PE as the strongest predictor, followed by EE, perceived risk and social influence. The prediction model explained 68.3 per cent of the variance in intention to adopt mobile banking. Mediation analysis supported a partial mediation effect of PE on the relationship between EE and intention to adopt mobile banking. Research limitations/implications This study examined respondents’ intention to adopt mobile banking instead of their actual behaviour. Understanding behavioural intention is essential, but it may not accurately represent actual behaviour. In addition, results from this study may not be generalisable to the whole population of Generation Y college or university students due to selection bias and a lack of information concerning the sampling frame. Practical implications This research identifies the factors that affect the intention to adopt mobile banking among the Generation Y college or university students. Bank operators can use the findings to improve their marketing strategies and services offered to make them more attractive and competitive to students to speed up the mobile banking adoption rate. Originality/value This study is one of the few local studies that introduce a practical model of extended UTAUT by including perceived risk to understand the mobile banking adoption intention among millennial generation.

Toward diffusion of e-Zakat initiatives amid the COVID-19 crisis and beyond

foresight ◽  
2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Saeed Awadh Bin-Nashwan
Keyword(s):  
Smartphone Application ◽  
Future Research ◽  
Snowball Sampling ◽  
Content Type ◽  
Intention To Adopt ◽  
Use Of Technology ◽  
Main Determinants ◽  
Facilitating Conditions ◽  
Relief Efforts ◽  
The Relationship

Purpose While the financial relief efforts are struggling to keep up with the COVID-19 outbreak, there is a need for the diffusion of e-Zakat initiatives and work with fintech if governments truly strive to ensure that most vulnerable do not fall behind. The newly launched e-system – popularly known as ZAKATY (e-portal and smartphone application) – in Saudi Arabia is an example worth attention and study on how well people can accept and use the system and Zakat payer-centric e-services, especially amid such uncertain times. The purpose of this study is to explore how an extended unified model of acceptance and use of technology (UTAUT) can induce users to adopt the ZAKATY e-services provided by the General Authority of Zakat and Tax during this unprecedented challenge to pay Zakat online in an easy, fast and reliable way. Design/methodology/approach Drawing on a quantitative approach through an online administered survey, a total of 479 usable responses from individual Zakat payers were obtained using snowball sampling and analyzed through smart partial least squares (SmartPLS) software. Findings This study confirms the suitability and utility of the UTAUT model used in predicting Zakat payers’ intention to adopt the e-Zakat system and its services, indicating that the model possesses 72% of the predictive capability to explain variance in intentions. It also shows that all UTAUT constructs (i.e. performance expectancy, social influence and facilitating conditions) were statistically significant, except for effort expectancy. Online trust exerted a significant moderating effect on the relationship between UTAUT constructs and users’ intentions to uptake the system’s online services amid COVID-19. Practical implications To keep pace with rapid digital transformations amid the pandemic, Zakat institutions, as governmental entities, are likely pursuing to identify the main determinants that influence people’s intentions to engage in adopting e-Zakat services. This could be eventually translated into maximizing the proceeds of Zakat funds by developing ICT-based infrastructure and introducing reliable and efficient e-services that can be adopted by users. Originality/value Given the scarce literature on the relevance of e-Zakat systems’ adoption, this work could serve as a building block and springboard for literature and future research by empirically examining an extended framework derived from the UTAUT theory in the Zakat context.

scholarly journals Mediation analysis of the relationship between environmental concern and intention to adopt green concepts

2019 ◽  
Vol 9 (4) ◽  
pp. 539-556 ◽  
Author(s):  
Jasmine Leby Lau ◽  
Ahmad Hariza Hashim
Keyword(s):  
Environmental Concern ◽  
Behavioural Intention ◽  
Sustainable Construction ◽  
Content Type ◽  
Housing Projects ◽  
Mediating Role ◽  
Intention To Adopt ◽  
Specific Dimension ◽  
The Relationship ◽  
Significant Mediator

Purpose The purpose of this paper is to extend the theory of planned behaviour (TPB) by incorporating environmental concern (EC) and its dimensions to explain developer’s intention to adopt green concepts in their future housing projects. The objectives were to investigate the relationship among the proposed constructs as well as to examine the mediating role of attitude, subjective norm and perceived behavioural control (PBC) on the relationship between EC and its dimensions and intention to adopt green concepts. Design/methodology/approach A survey was conducted among developer organisations in Klang Valley and the key target respondents were project managers. This study devoted priority to quantitative approach with complementary qualitative data to elaborate on the statistical results. In total, 87 usable questionnaires were returned, representing a response rate of 24.5 per cent. In addition, face-to-face interviews were carried out to gather information to complement quantitative findings. Findings Mediation results suggested PBC to be a significant mediator for the relationship between EC, human over nature and eco-crisis and behavioural intention. In the model between eco-crisis facet and behavioural intention, apart from PBC, attitude was found to be another significant mediator of the relationship. Interview with informants revealed that most believed human activities are causing detrimental harm to the environment. With this concern, they are confident about their organisations’ ability to deliver more green projects in the future. Originality/value The use of specific dimension of EC and the integration of EC and its dimensions within the TPB has provided new insights to expedite the transition to sustainable construction.

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 influencing the adoption of m-banking: a cross cultural study

2015 ◽  
Vol 33 (4) ◽  
pp. 545-570 ◽  
Author(s):  
Gary Mortimer ◽  
Larry Neale ◽  
Syed Fazal E Hasan ◽  
Benjamin Dunphy
Keyword(s):  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Future Research ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Confirmatory Factor Analyses ◽  
Web Based ◽  
Content Type ◽  
Intention To Adopt

Purpose – Little is known about the adoption of mobile banking technologies in emerging Asian economies. The purpose of this paper is to empirically examine the motivators that influence a consumer’s intentions to use mobile banking. Design/methodology/approach – A web-based survey was employed to collect data from 348 respondents, split across Thailand and Australia. Data were analysed by employing exploratory and confirmatory factor analyses, path and invariance analyses. Findings – The findings indicate that for Australian consumers, perceived ease of use, perceived usefulness (PU) and perceived risk (PR) were the primary determinants of mobile banking adoption. For Thai consumers, the main factors were PU, PR and social influence. National culture was found to impact key antecedents that lead to adoption of m-banking. Research limitations/implications – The actual variance explained by the study’s model was higher in Australia (59.3 per cent) than for Thailand (23.8 per cent), suggesting future research of m-banking adoption in emerging Asian cultures. Practical implications – The authors identify the important factors consumers consider when adopting m-banking. The findings of this research give banking organisations a foundational model that can be used to support m-banking implementation. Originality/value – The study is perhaps the first to examine and compare the intention to adopt m-banking across Thai and Australian consumers, and responds to calls for additional research that generalises m-banking and m-services acceptance across cultures. This study has proposed and validated additional constructs that are not present in the original SST Intention to Use model.

Forced online experiment and its acceptance among the University students during pandemic in Pakistan

foresight ◽  
2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Iqra Abdullah ◽  
Shazia Parveen ◽  
Saif Ul Haq
Keyword(s):  
Active Learning ◽  
University Students ◽  
Behavioral Intention ◽  
Online Classes ◽  
Content Type ◽  
Intention To Adopt ◽  
Facilitating Conditions ◽  
Use Behavior ◽  
The Relationship ◽  
Moderating Role

Purpose This study aims to assess the acceptability of online classes among university students of Pakistan through the extension of the unified theory of acceptance and use of technology (UTAUT) model. Design/methodology/approach This study follows a quantitative research approach and data were collected from 662 university students of 10 different universities of Pakistan through a self-administrative Web survey. Structural equation modeling through SmartPLS was used to analyze the data. Findings Findings of the research show that performance expectancy, effort expectancy, social influence and facilitating conditions play a significant role in developing the intention to adopt online classes. Furthermore, facilitating conditions and intention to adopt online classes have further resulted in frequent use behavior. The authors also investigated the moderating role effect of active learning in relationship behavioral intention and use behavior. Findings show that active learning is an important component of online classes that interacts with the behavioral intention to develop the behavior of attending the online mode of learning by students. However, no significant moderation of uncertainty was found in the relationship between four components of acceptance of technology and behavioral intention to adopt the technology. Originality/value The authors have extended the UTUAT model by establishing the relationship between facilitating conditions and behavioral intention that supports e-learning. Furthermore, this study tests the moderating role of uncertainty and active learning on the UTUAT model.

Teenagers’ behavioural intention towards wearable technologies and intention to recommend others: an empirical study in Bangladesh

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Md. Shahinur Rahman ◽  
Samir Das ◽  
Gazi Md. Shakhawat Hossain ◽  
Tajia Tajrin
Keyword(s):  
Structural Equation ◽  
Sustainable Use ◽  
Decision Makers ◽  
Behavioural Intention ◽  
Content Type ◽  
Wearable Technologies ◽  
Intention To Adopt ◽  
Use Of Technology ◽  
Model Combining ◽  
Facilitating Conditions

Purpose The purpose of this study is to investigate the factors, which drive teenagers’ behavioural intention to adopt wearable technologies and their behavioural intention to recommend others. Design/methodology/approach This study proposes a new adoption model combining two different models including the extended unified theory of acceptance and use of technology and the theory of planned behaviour, which provided relevant contributions for understanding the adoption of wearable technologies. A structural equation modelling approach using analysis of a moment structures 23 software was used to analyse the data collected from 318 respondents. Findings Findings of this study reveals that performance expectancy (β = 0.28; t = 2.049), facilitating conditions (β = 0.28; t = 1.989), social influence (β = 0.23; t = 3.150) and attitude (β = 0.18; t = 3.246) have a statistically significant impact on behavioural intention. Additionally, behavioural intention (β = 0.15; t = 2.543) and attitude (β = 0.15; t = 3.261) have a statistically significant impact on intention to recommend others. However, effort expectancy, price value, hedonic motivation and habit did not have a significant influence on behavioural intention. Practical implications In this study, the understanding of the determinants contributing to teenagers’ behavioural intention to use wearable technologies and driving their intention to recommend others to adopt these devices will provide insights to practitioners and decision makers to customize the features of wearable devices to promote sustainable use of these technologies. Originality/value This study is among the first to investigate wearable technologies from behavioural perspectives especially on teenagers in Bangladesh. Hence, the findings of this study will help to comprehensively explain teenagers’ behavioural intention to adopt wearable technologies and their intention to recommend others.

Mobile banking adoption in an emerging economy

2018 ◽  
Vol 25 (2) ◽  
pp. 743-762 ◽  
Author(s):  
Richa Priya ◽  
Aradhana Vikas Gandhi ◽  
Ateeque Shaikh
Keyword(s):  
User Satisfaction ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Factors Affecting ◽  
Indian Consumers ◽  
The Relationship

Purpose The purpose of this paper is to analyze the factors affecting mobile banking adoption among young Indian consumers. Design/methodology/approach The authors use a cross-sectional survey research design to empirically examine the factors affecting mobile banking adoption among young Indian consumers. The study sample consists of 269 respondents aged between 23 and 30 years from India. Findings The findings of the study suggest that perceived usefulness (PU), perceived ease of use (PEU), perceived credibility (PC) and structural assurance (SA) are strong determinants of user satisfaction (US) and behavioral intention (BI) to use the mobile banking service. US was found to partially mediate the relationship between PU, PEU, PC and SA and BI to use the service. Perceived risk was found to be statistically insignificant in terms of its relationship with BI to use the service. Research limitations/implications The results of this study provide good evidence for banks to further revamp their work practices in the area of mobile banking to enhance the overall penetration of mobile banking in India. Originality/value The study identifies factors influencing mobile banking adoption among young Indian consumers. Furthermore, this study suggests that US partially mediates the relationship between factor influencing mobile banking adoption and BI.

Identifying the effects of perceived values of mobile banking applications on customers

2017 ◽  
Vol 35 (6) ◽  
pp. 1018-1038 ◽  
Author(s):  
Sarra Berraies ◽  
Karim Ben Yahia ◽  
Mariem Hannachi
Keyword(s):  
Baby Boomers ◽  
Generation X ◽  
Generation Y ◽  
Integrative Model ◽  
Equation Modeling ◽  
Mobile Banking ◽  
Content Type ◽  
Positive Effects ◽  
Perceived Values ◽  
The Relationship

Purpose The purpose of this paper is twofold: first, the authors empirically examine the effect of the perceived values of mobile banking (MB) applications on customers’ e-trust, e-satisfaction and e-loyalty and second, the authors investigate the moderating role of customers’ age in the relationship between perceived value of MB and e-trust. Design/methodology/approach A survey was conducted on a sample of 361 Tunisian banks’ customers using mobile applications. Structural equation modeling method was performed to test the research hypotheses. Findings The results of this research revealed that quality, price and emotional perceived values’ dimensions of MB applications are predictors of customers’ e-trust. Within this spectrum, age acts as a moderator in these latter relationships. Findings also suggested that e-trust has positive effects on e-satisfaction and e-loyalty. Practical implications This paper presented a reading grid for bank marketers allowing them to identify the levers they must focus their efforts on so as to retain the customers using MB applications. It also permits them to identify the needs and values of three generation of customers, namely baby boomers, generation X and generation Y, so that they can offer better services for each group. Originality/value This paper sheds light on an innovative and unexplored topic in the literature. The authors broaden understanding of the relationship between the perceived values of MB applications, e-loyalty, e-trust and e-satisfaction. Research devoted to investigate these different links through an integrative model does exist, yet embryonic. This study also highlights differences between three group of customer, namely baby boomers, generation X and generation Y in terms of perceived values that builds their trust in the context of MB applications use.

Consumers’ acceptance and use of plastic money in Harare, Zimbabwe

2018 ◽  
Vol 36 (2) ◽  
pp. 379-392 ◽  
Author(s):  
Charles Makanyeza ◽  
Simolini Mutambayashata
Keyword(s):  
Developing Countries ◽  
Structural Equation ◽  
Behavioural Intention ◽  
Content Type ◽  
Performance Expectancy ◽  
Intention To Adopt ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Facilitating Conditions ◽  
Selection Of

Purpose The purpose of this paper is to apply unified theory of acceptance and use of technology 2 to determine factors influencing acceptance and use of plastic money in Zimbabwe. Design/methodology/approach Using a cross-section of 528 consumers, respondents were randomly intercepted as they walked out of five major supermarkets in Harare, Zimbabwe. Random selection of consumers was done in order to ensure a representative sample. Consumers were asked to complete a structured questionnaire. Structural equation modelling was applied to test research hypotheses. Findings Results show that performance expectancy, effort expectancy, hedonic motivation and habit all positively influenced behavioural intention to adopt plastic money. Social influence, facilitating conditions and perceived financial cost all did not have a significant effect on behavioural intention to adopt plastic money. Behavioural intention positively influenced consumers’ use behaviour on plastic money. Research limitations/implications This study is among the pioneers of research in this field in Zimbabwe and other developing countries. Likewise, caution must be taken when researchers try to generalise findings from this study. It is, therefore, recommended that more studies of this nature be conducted in other developing countries in order to have a more solid understanding of consumers’ adoption of plastic money. Practical implications The study advises banks to pay particular attention to performance expectancy, effort expectancy, hedonic motivation and habit when devising strategies to increase the adoption of plastic money. Originality/value Factors that influence the adoption of plastic money are not widely researched under circumstances such as those existing in Zimbabwe. The Zimbabwean financial sector provides a unique environment to conduct studies of this nature.

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.

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