scholarly journals Customers’ behavioral intention on mobile banking services in Indonesia

2021 ◽  
Vol 10 (7) ◽  
pp. 353-362
Author(s):  
Edwin Bustami ◽  
Sihol Situngkir ◽  
Syahmardi Yacob ◽  
Ade Octavia
Keyword(s):  
Path Analysis ◽  
Behavioral Intention ◽  
Sampling Method ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Banking Services ◽  
Verification Methods ◽  
Customer Attitudes

This study examines the effects of knowledge, trust, enjoyment, risk, and culture on perceived ease of use, attitudes, perceived usefulness, and behavioral intention for choosing Jambi mobile banking services. Survey and verification methods were used with a sample of 400 units. Furthermore, this study used an accidental sampling method and analyzed data through Path Analysis. The findings of the study demonstrated that knowledge, enjoyment, and risk directly and significantly affect Indonesian customer attitudes, while a trust does not influence perceived ease of use, perceived usefulness, and behavioral intention. Moreover, risk and culture directly and significantly affect perceived ease of use and perceived usefulness.

scholarly journals Exploring customer intentions to adopt mobile banking services: evidence from a developing country

2020 ◽  
Vol 15 (2) ◽  
pp. 105-116
Author(s):  
Ayeasha Akhter ◽  
Ahmed Al Asheq ◽  
Md. Uzzal Hossain ◽  
Md. Mobarak Karim
Keyword(s):  
Smart Phone ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Banking Services ◽  
Significance Level ◽  
Technology Competency ◽  
Intent To Use ◽  
Business Administration Students

As the number of smart phone users and the popularity of Internet among people are growing day by day in Bangladesh, it became necessary for Bangladeshi local banks to provide mobile banking services to their customers. Therefore, this study seeks to identify the crucial and determining factors that may affect the intention of customers to use mobile banking services. The sample size in this study is 91, in which majority are the students of Business Studies. All respondents have mobile banking at the time of the survey. The samples in the study were mainly drawn from the private university students (i.e. Business Administration students) and faculty members, and some bank officers participated as sample respondents in this study. A non-probability random sampling method is applied, and a 5% significance level is used to accept the hypotheses. Cronbach alpha (α) of 0.7 and above is considered to measure the reliability of the item wise variables. This study examines six variables (perceived usefulness, perceived ease of use, trust, security, perceived privacy, and technology competency) to analyze their impact on the behavioral intention of banking customers to use mobile banking services. Three variables, namely perceived usefulness, security, and technology competency, are found to be significant predictors of customers’ intent to use mobile banking in Bangladesh. For analytical purposes, SPSS version 23.0 is used to test hypotheses. The paper also provides significant implications for bank managers to increase the adoption of mobile banking for their sustainability.

scholarly journals Factors Influencing Users’ Behavioral Intention to Reuse Mobile Financial Services in Bangladesh

2020 ◽  
Vol 5 (3) ◽  
pp. 155-169
Author(s):  
Md. Rizvi Khan ◽  
Sirion Chaipoopirutana
Keyword(s):  
Behavioral Intention ◽  
Financial Services ◽  
Behavioral Intentions ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Survey Method ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Factors Influencing ◽  
Mobile Financial Services

Objective – This paper aims to empirically examine the factors influencing the users’ behavioral intention to reuse mobile technology to facilitate their financial services in Bangladesh. Methodology/Technique – A self-administered online survey method was used and 400 responses were collected with Likert-type questions using Google Forms as a medium. A model was developed and proposed based on different technology acceptance models like TAM, UTAUT and similar studies on factors influencing users’ intention to adopt and reuse mobile financial services in Bangladesh. The proposed model was tested by performing simple and multiple linear regression using SPSS software. Findings – The results show that perceived ease of use influences perceived usefulness of mobile financial services but perceived ease of use, perceived usefulness and security have no influence on trust in terms of behavioral intention to reuse mobile financial services in Bangladesh. However, with the exception of trust and perceived financial cost, the remaining variables such as perceived usefulness, perceived ease of use, security, perceived risk, social influence and facilitating conditions significantly influence behavioral intentions to reuse mobile financial services in Bangladesh. Novelty - This study examines crucial factors spotted in literature in the context of Bangladesh. Earlier papers have primarily focused on traditional banking clients’ behavioral intention toward their bank’s mobile banking facilities in Bangladesh. This paper is comprehensively designed to identify influential factors of reusing non-traditional mobile financial services like bKash, Rocket, Nagad etc. at the growth level in the industry of Bangladesh. The researcher tried to identify factors influencing both bank and non-bank users to reuse mobile financial services for their digital transactions. Type of Paper: Empirical. JEL Classification: M31, M39. Keywords: bKash; Bangladesh; Mobile Banking; Behavioral Intentions; Reuse; Mobile Financial Services. Reference to this paper should be made as follows: Khan, M.R; Chaipoopirutana, S. 2020. Factors Influencing Users’ Behavioral Intention to Reuse Mobile Financial Services in Bangladesh, J. Mgt. Mkt. Review 5(3) 155 – 169. https://doi.org/10.35609/jmmr.2020.5.3(4)

Mobile banking adoption in Islamic banks

2019 ◽  
Vol 11 (6) ◽  
pp. 1405-1418
Author(s):  
Dwi Suhartanto ◽  
David Dean ◽  
Tuan Ahmad Tuan Ismail ◽  
Ratna Sundari
Keyword(s):  
Islamic Law ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Islamic Banks ◽  
Perceived Ease Of Use ◽  
Banking Services ◽  
Content Type ◽  
Islamic Bank

Purpose This paper aims to examine mobile banking adoption in Islamic banks by integrating technology adoption model (TAM) and Religiosity-Behavioural Intention Model. Design/methodology/approach This study uses a sample of 300 mobile banking customers of Islamic banks from West Java Province, Indonesia. Partial least square was applied to assess the association between perceived usefulness, perceived ease-of-use, religiosity, satisfaction, and adoption. Findings The results of this study disclosed that the integration of TAM and Religiosity-Intention model provides a more complete explanation of Islamic bank consumers’ adoption of mobile banking. Besides perceived usefulness and perceived ease-of-use, the results of this study emphasise the importance of religiosity in mobile banking adoption. Practical implications This study offers an opportunity for Islamic bank managers to increase the adoption of their mobile banking services. To increase the adoption of mobile banking services, Islamic banks must not only provide an application that is useful and easy to use but also consider the customer’s religiosity. All of their mobile banking marketing strategies should focus on providing high-quality mobile service while ensuring the bank’s operations are compliant with the Islamic law. Originality/value This study is the first attempt to integrate TAM and Religiosity-Intention Model to assess 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 Critical Factors Influencing the Behavioral Intention of Consumers towards Mobile Banking in Malaysia

2020 ◽  
Vol 10 (1) ◽  
pp. 5265-5269
Author(s):  
Z. U. Rehman ◽  
F. A. Shaikh
Keyword(s):  
Technology Acceptance ◽  
Behavioral Intention ◽  
Perceived Risk ◽  
Negative Relationship ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Mobile Banking ◽  
Critical Factors ◽  
Banking Services

Mobile banking services are widely adopted in developed and developing countries, while their adoption by Malaysian consumers is relatively low. The effective adoption of mobile banking mostly depends on consumers. This study’s objective was to examine the factors that influence Malaysian customers’ behavioral intention toward mobile banking. A detailed literature review was conducted in order to identify the critical factors that affect mobile banking users. The research model was based on the Technology Acceptance Model, investigating the additionally perceived risk. Primary data were collected from 384 generation Y bank customers. Structure equation modeling through Smart-PLS was used for data analysis. Results revealed that consumers’ behavioral intention was significantly and positively influenced by perceived usefulness and ease of use, while a significant negative relationship was found between consumers’ behavioral intention and perceived risk. The findings also revealed a mediating relationship of attitude between perceived usefulness, ease of use and risk, and behavioral intention to use mobile banking. The study provides appropriate guidelines to Malaysian banks and mobile banking application developers for the effective implementation and design of mobile banking services.

scholarly journals Factors influencing behavioural intention to use mobile banking among retail banking clients

2019 ◽  
Vol 3 (2) ◽  
pp. 118
Author(s):  
Myra V De Leon
Keyword(s):  
Technology Acceptance ◽  
Behavioral Intention ◽  
Structural Equation ◽  
Retail Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
The World

Mobile banking enables clients to bank virtually without restrictions to time and place. Despite wide adoption of mobile banking around the world, use of mobile banking is still considered low. Philippines has the lowest digital banking penetration across Asian countries although the country known for the title of “SMS-intensive country in the world”. Factor analysis, partial least squares structural equation modelling (PLS-SEM) and ANOVA with bootstrapping were used to test research hypotheses. Findings from 212 Universal bank retail branch clients show that perceived ease of use, perceived usefulness, social influence and trust propensity have significant positive influence on behavioral intention to use mobile banking. Results also show that respondents with matured age (22 years and above), male, at least Bachelor Degree graduate and receiving a monthly income higher than Php 10,001 has higher behavioral intention. This study is relevant for proposing marketing strategies to increase adoption of mobile banking and contribute for further advancement on technology acceptance literature.

scholarly journals Pengaruh Perceived Usefulness, Perceived Ease of Use Terhadap Trust dan Intention to buy KAI Access Tickets Online pada Generasi Millennial di Kabupaten Kebumen

2020 ◽  
Vol 2 (3) ◽  
pp. 476-490
Author(s):  
Riani Mujiasih ◽  
Gunarso Wiwoho
Keyword(s):  
Data Analysis ◽  
Path Analysis ◽  
Quantitative Method ◽  
Sampling Method ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Purposive Sampling

This study aims to determine the effect of perceived usefulness and perceived ease of use on the intention to buy KAI Access tickets online through an trust as an intervening variable. The population in this study were millennials generation of Kereta Api Indonesia (KAI) users service in Kebumen Regency. This study sample was 100 respondent using the purposive sampling method. The method used in this study is a quantitative method. Data analysis using path analysis with SPSS 23 program. The results of this study indicate that perceived usefulness and perceived ease of use have a significant effect on trust. While perceived ease of use do not affect the intention to buy KAI Access tickets online, while the perceived usefulness and trust significantly influences the intention to buy KAI Access tickets online.

scholarly journals MINAT NASABAH MENGGUNAKAN MOBILE BANKING DENGAN MENGGUNAKAN KERANGKA TECHNOLOGY ACCEPTANCE MODEL (TAM) (Studi Kasus PT Bank Syariah Mandiri Cabang Yogyakarta)

2016 ◽  
Vol 5 (2) ◽  
pp. 137
Author(s):  
Imam Sugih Rahayu
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Behavioral Intention ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Perceived Credibility ◽  
Acceptance Model

Abstrak Mobile Banking adalah salah satu pelayanan jasa bank yang memungkinkan nasabah untuk memperoleh informasi, melalui jaringan internet. Penerimaan dan manfaatkan yang dirasakan nasabah secara langsung dinilai berdasarkan persepsi penggunaan melalui kerangka TAM. Oleh karena itu tujuan dari penelitian ini adalah untuk mengetahui Faktor-Faktor Yang Mempengaruhi Minat Nasabah Menggunakan Mobile Bangking Dengan Kerangka Technology Acceptance Model (TAM). Penelitian ini merupakan penelitian survey dengan jenis penelitian kausalitas. Populasi dan sampel dalam penelitian ini nasabah BSM Cabang Yogyakarta yang menggunakan Mobile Banking yang berjumlah 376. Metode pengumpulan menggunakan koesioner yang telah diuji sebelumnya ke 30 responden dan dilakukan uji validitas dan reliabilitas yang menghasilkan 100% pertanyaan dikatakan valid dan layak untuk digunakan. Metode penelitian menggunakan uji analisis regresi berganda dengan bantuan software SPSS versi 17. Hasil yang diperoeh dari penelitian ini adalah Presepsi manfaat (perceived usefulness) berpengaruh positif terhadap minat perilaku menggunakan Mobile Banking. Dimana tingginya atau meningkatnya Presepsi manfaat (perceived usefulness) maka akan meningkatkan minat perilaku menggunakan Mobile Banking. Persepsi kemudahan penggunaan (perceived ease of use) berpengaruh negatif terhadap minat perilaku menggunakan Mobile Banking. Tingginya Persepsi kemudahan penggunaan (perceived ease of use) akan menurunkan minat perilaku menggunakan Mobile Banking. Presepsi kredibilitas (perceived credibility) berpengaruh positif terhadap minat perilaku menggunakan Mobile Banking. Tingginya Presepsi kredibilitas (perceived credibility) akan meningkatkan minat perilaku menggunakan Mobile Banking. Informasi tentang Mobile Banking berpengaruh positif terhadap perilaku menggunakan Mobile Banking. Tingginya Informasi tentang Mobile Banking akan meningkatkan minat perilaku menggunakan Mobile Banking. Keywords: Mobile Banking, perceived usefulness, perceived ease of use, perceived credibility,information of mobile bangking, behavioral intention.

User Motivation and Acceptance of Mobile Services in Nigeria

2018 ◽  
Vol 10 (2) ◽  
pp. 70-81 ◽  
Author(s):  
Okocha Olabisi Foluke
Keyword(s):  
Social Influence ◽  
Mobile Services ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Service ◽  
Intention To Use ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Banking Services ◽  
Economic Issues

This study was designed to investigate the factors that influence the motivation and acceptance of mobile services in Nigeria. This understanding is valuable for improved commercialization of telecommunication services, and in the customer relationship management process as the success of mobile service adoption is dependent on user needs. Three separate questionnaires were designed and used as the major instrument of data collection. A purposive sampling method was adopted for the study; three hundred and ten questionnaires were administered on three different categories of respondents. Data analysis was carried out using principal component analysis, regression and logistic regression. The results showed that for entertainment services (caller tunes), informational services (internet modem) and mobile banking services, the major motivating factor for its use was the preference of the song, convenience in browsing and convenience in banking respectively whereas the major preventing factor was high cost for entertainment services and internet modem service and insufficient information for mobile banking. Results also showed that for entertainment services perceived usefulness, perceived ease of use, social influence and economic issues where important in determining a user's intention to use but for the internet modem service perceived ease of use is the only significant factor in determining a user's intention to use. For mobile banking services, social influence and economic issues are significant in determining use. It is therefore imperative for telecommunication firms to study and consider the unique characteristics of each mobile category and use these findings in the design of their services.

Extending the TAM Model: Intention of Management Students to Use Mobile Banking: Evidence from India

2017 ◽  
Vol 18 (1) ◽  
pp. 238-249 ◽  
Author(s):  
V.V. Ravi Kumar ◽  
Anurag Lall ◽  
Tanmay Mane
Keyword(s):  
New Technology ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Banking Services ◽  
Tam Model ◽  
Management Students

The educated youth in India have adapted well to technology and technology-based solutions. Much of it has been attributed to the increased usage of computers, Internet and the smartphones among the educated youth in India. It becomes a useful and important exercise, therefore, to study their attitude towards new technology-based products and services in view of the fact that this segment has a requirement for utilizing banking services for at least the next 30 years. Banking has been one industry which has been in the forefront in offering technology-based delivery channels like ATM, Internet banking and mobile banking. This article studies the underlying factors influencing management students in their intention to use mobile banking. The study utilizes two constructs of the technology adoption model and then extends it further to include two additional constructs. The results suggest that perceived usefulness and perceived ease of use, social influence and trust propensity are the underlying factors in respect of the behavioural intention to use mobile banking services.

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