Mobile banking: A trade-off between mobile technology and service for consumers' behavioural intention

2017 ◽  
Vol 17 (4) ◽  
pp. 427-449
Author(s):  
Mahmud Akhter Shareef ◽  
Shantanu Dutta ◽  
Yogesh K. Dwivedi
Keyword(s):  
Mobile Technology ◽  
Behavioural Intention ◽  
Mobile Banking ◽  
Trade Off

Behavioural Intention to the Use of Mobile Banking in Kerala: An Application of Extended Classical Technology Acceptance Model

Metamorphosis ◽  
2018 ◽  
Vol 17 (2) ◽  
pp. 111-119 ◽  
Author(s):  
T. G. Saji ◽  
Deepa Paul
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Mobile Technology ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Behavioural Intention ◽  
Equation Modeling ◽  
Extended Model ◽  
Mobile Banking ◽  
Acceptance Model

This research, using an extended version of classical technology acceptance model (TAM), investigates the factors influencing the adoption behaviour of mobile technology in banking. Survey data on 214 banking customers in Kerala were analysed under a structural equation modeling (SEM) framework and the results confirm the usefulness of TAM in predicting mobile banking adoption behaviour. The exogenous constructs from the original TAM, perceived usefulness (PU), and perceived ease of use (PEU) along with two additional constructs in the extended model, perceived credibility (PC) and perceived self-efficacy (PSE), emerged out as significant antecedents of the behavioural intention of customers, especially of an educated youth, towards the use of mobile technology in banking. Findings ultimately suggest that accurate and consistent identification of customers’ propensity to adopt technology banking provides strategic map to banks from emerging markets to grow in underserved markets, achieve omni-channel presence, and disrupt value chain components.

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.

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 Mobile banking adoption: a rural Zimbabwean marketing perspective

2015 ◽  
Vol 13 (1) ◽  
pp. 195-204
Author(s):  
Pinigas Mbengo ◽  
Maxwell A. Phiri
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Service Providers ◽  
Marketing Mix ◽  
Behavioural Intention ◽  
Mobile Banking ◽  
Market Segment ◽  
Banking Services ◽  
Intention To Adopt ◽  
Acceptance Model

The purpose of this paper is to explore and discuss the determinants that inhibit mobile banking adoption by the rural unbanked in Zimbabwe. The researchers conducted an extensive literature search. The references consulted were categorically analysed and articles were considered to compile the findings of this paper. The study provides a contribution to practice by providing a better understanding of issues associated with mobile banking diffusion mechanisms that aid the adoption of mobile banking systems. The main findings of the research indicate that there is a slow and often annoying adoption of mobile banking within Zimbabwe by the rural unbanked due to a considerable number of inhibitive factors. This research reveals the nature of adoption that may reliably inform service providers about strategies to consider when appealing to this market segment. The study also shows that mobile banking adoption cannot ignore the use of marketing oriented factors in order to avoid the assumption of being myopic by considering only the product based variables to assess behavioural intention to adopt mobile banking services as identified in Technology Acceptance Model. However, the literature review also reveals that there are virtually no substantive theoretical researches which adequately extend the TAM using all the marketing mix elements. Therefore Technology Acceptance Model is extended using the marketing mix elements to better predict the behavioural intention to adopt mobile banking by the rural unbanked. This research, having studied the behaviour of the rural unbanked, argues that mobile banking service providers are likely to develop tailor-made integrated marketing mix strategies in order to financially include this market segment. The paper recommends for future research to use the additional marketing mix elements of physical evidence, processes and people in the adoption of mobile banking services by the rural unbanked.

scholarly journals Poverty and Migration in the Digital Age: Experimental Evidence on Mobile Banking in Bangladesh

2021 ◽  
Vol 13 (1) ◽  
pp. 38-71
Author(s):  
Jean N. Lee ◽  
Jonathan Morduch ◽  
Saravana Ravindran ◽  
Abu Shonchoy ◽  
Hassan Zaman
Keyword(s):  
Experimental Evidence ◽  
Mobile Technology ◽  
Rural Households ◽  
Mobile Banking ◽  
Rapid Urbanization ◽  
Spatial Inequalities ◽  
Urban Migrants ◽  
And Migration ◽  
One Year ◽  
The City

Rapid urbanization is reshaping economies and intensifying spatial inequalities. In Bangladesh, we experimentally introduced mobile banking to very poor rural households and family members who had migrated to the city, testing whether mobile technology can reduce inequality by modernizing traditional ways to transfer money. One year later, for active mobile banking users, urban-to-rural remittances increased by 26 percent of the baseline mean. Rural consumption increased by 7.5 percent, and extreme poverty fell. Rural households borrowed less, saved more, sent additional migrants, and consumed more in the lean season. Urban migrants experienced less poverty and saved more but bore costs, reporting worse health. (JEL D31, G21, G51, I32, O15, O16, O18)

An Investigation into Permissions Requested by Mobile Banking on Android Platform

2021 ◽  
pp. 745-766
Author(s):  
Latifa Er-Rajy ◽  
M. Ahmed El Kiram
Keyword(s):  
Mobile Phone ◽  
Mobile Technology ◽  
High Speed ◽  
Mobile Apps ◽  
World Population ◽  
Mobile Banking ◽  
Man In The Middle ◽  
The World ◽  
User Data ◽  
Mobile Banking Applications

In the past, banking took place only inside bank rooms, which was a task for customers and bankers at the same time. But in our day, thanks to the high-speed development and growth of mobile technology, the mobile phone platform had the power to create great opportunities for customers of the physical bank due to its capabilities and coverage of the population; this can be proved by the number of mobile subscriptions that approximates the world population figures. In order to explore these opportunities, most banks have already launched their mobile apps or have redesigned the mobile version of their websites. Among the advantages of using mobile banking is that users have the ability to make banking transactions, online payments or transfers, anywhere and at any time. In this article, we investigated the danger of the permissions requested by mobile banking applications, their effects on sensitive user data and their relationship with the attack called “Man in the middle” and its different forms. We took Morocco as a case of study.

Behavioural Intention to Use Mobile Banking

2020 ◽  
Vol 12 (3) ◽  
pp. 1-20
Author(s):  
Sanjay Dhingra ◽  
Shelly Gupta
Keyword(s):  
Social Influence ◽  
Service Providers ◽  
Reliability And Validity ◽  
Behavioural Intention ◽  
Primary Data ◽  
New Delhi ◽  
Mobile Banking ◽  
Proposed Model ◽  
Facilitating Conditions ◽  
The City

This study aims to identify the factors that impact the perception of an individual to adopt mobile banking. The study employed UTAUT 2 model which conceptualises eight dimensions which are performance expectancy, social influence, effort expectancy, hedonic motivation, facilitating conditions, habit, price value with trust as an additional dimension. Primary data was collected through a structured questionnaire from 252 users of mobile banking in the city of New Delhi, India. Reliability and validity of the proposed model have been tested. The result of structural modeling revealed habit as the most important factor to influence the behavioural intention of the user followed by facilitating conditions, trust, hedonic motivation, and social influence, in that order. To boost the adoption of mobile banking services, service providers should focus on the identified dimensions in order of their importance.

Banking “on-the-go”: examining consumers’ adoption of mobile banking services

2018 ◽  
Vol 10 (3) ◽  
pp. 279-295 ◽  
Author(s):  
Tingting Zhang ◽  
Can Lu ◽  
Murat Kizildag
Keyword(s):  
Technology Adoption ◽  
Technology Acceptance ◽  
Mobile Technology ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Mobile Banking ◽  
Banking Services ◽  
Content Type ◽  
Factors Influencing

Purpose This paper aims to examine consumers’ adoption of mobile technology to facilitate their banking services and activities, and to investigate the factors influencing their adoption and engagement. Design/methodology/approach An online survey is used to test proposed relationships between factors and consumers’ mobile banking adoption. Structural equation modeling is performed to analyze consumers’ intentions toward mobile banking. Findings Traditional technology acceptance model factors – perceived usefulness and perceived ease of use – are identified as effective factors in influencing consumers to adopt mobile technology for facilitating banking services. Moreover, technology safety concerns, including reliability and privacy factors, are found to play an important role in motivating consumers to embrace mobile banking. The “fun” feature of the technology and consumers’ innovativeness characteristics are considered important in influencing mobile banking adoption. Trust in the banks has its predominant role in mobile technology adoption for banking services. Practical implications A bank gaining trust from its clients is key to active adoption of mobile banking technology. Bankers are advised to pay more attention to reliability and privacy features when designing and promoting mobile banking technology to consumers. Moreover, advertisements to bank clients should stress the “fun” aspects of the mobile banking apps to attract them to the use of mobile banking technology. Originality/value This paper investigates the factors influencing bank consumers to adopting mobile banking apps to facilitate their banking services. Nine key factors in the technology adoption area are examined to provide a comprehensive understanding of bank clients’ use of mobile banking apps, which advances the understanding of mobile technology applied in the banking industry in the literature.

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