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.

Factors Influencing Attitude and Intention Towards Adoption of Mobile Banking in Myanmar

2020 ◽  
Vol 12 (3) ◽  
pp. 1-27
Author(s):  
Tun Tun Aung
Keyword(s):  
Social Influence ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Mobile Banking ◽  
Direct Effects ◽  
Personal Factors ◽  
Perceived Ease Of Use ◽  
Moderating Effects ◽  
New Findings

Constructs related to an individual's mobile banking (MB) adoption were identified from previous studies as the commonly used factors: perceived usefulness, perceived ease of use, trust, and social influence. A theoretical model was proposed with these factors directly affecting an individual's attitude and intention to use MB. Personal factors (gender, age, education, and income) were included in the model as moderators of those direct effects. As reported in previous studies perceived usefulness, perceived ease of use, trust, and social influence were found to have important effects on attitude and intention. The new findings related to the investigation of moderating effects due to personal factors have not been mentioned in the earlier MB research. The findings identified groups of individuals where personal motivations have significant effects on attitude and intention to use MB, and importantly, groups where the effects are not significant but may be increased by recommended practical actions.

scholarly journals Antecedent behaviour and its implication on the intention to reuse the internet banking and mobile services

2021 ◽  
pp. 451-464 ◽  
Author(s):  
Jeffry Z.C. Nelwan ◽  
Ni Nyoman Kerti Yasa ◽  
I Putu Gde Sukaatmadja ◽  
Ni Wayan Ekawati
Keyword(s):  
Technology Acceptance ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Mobile Banking ◽  
Perceived Benefits ◽  
Perceived Ease Of Use ◽  
Banking Services ◽  
Mediating Role

The Covid-19 pandemic has forced people to maintain physical distance during everyday contact, known in popular terms as physical distancing, which triggers the banking industry to accelerate its digital transformation to maximize service to customers. It aims to make business processes to work more efficiently and to drive force that will create various business opportunities. This study aims to explain the main factors that contribute and influence the adoption of internet and mobile banking services, which are antecedents of customer attitudes towards the intention to use these services. This study uses primary data and the unit of analysis is 200 respondents of Bank Bukopin customers who are users of its internet and mobile banking services with a replication of the technology acceptance model (TAM) in the context of internet service adoption and mobile banking. This study uses non-probability sampling with purposive sampling technique, and to analyze the research model, the Partial Least Square (PLS) method is used with the SmartPLS 3.0 M3 program as a tool. The research findings indicate that the intention to reuse is directly affected significantly by perceived ease of use, trustworthiness, and attitude to use. Perceived benefits do not have a significant effect on directly affecting intention to use, but have a positive and significant effect if they get a mediating role from the attitude of using. This study proves the existence of a mediating role for perceived benefits and beliefs on attitudes to use. This study also strengthens the evidence that attitudes have a strong and positive and significant effect on intention to reuse, and are able to fully mediate the effect of perceived ease of use, perceived usefulness and trust on intention to reuse. Bank Bukopin management and bankers are also expected to use the results of this study to evaluate and take corrective action on aspects that are deemed incapable of encouraging the adoption of their internet and mobile banking services and creating customer loyalty to continually use the services they provide.

A Study on Behavior Intention to Adopt Mobile Banking Apps

2021 ◽  
Vol 13 (2) ◽  
pp. 60-72
Author(s):  
Phan Dai Thich
Keyword(s):  
Social Influence ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Influential Factor ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Behavior Intention ◽  
Intention To Adopt ◽  
Tam Model

This study aims to examine the factors influencing consumers' behavior intention to adopt mobile banking apps. The research uses the TAM model with additional variables such as social influence and perceived risk to evaluate how these factors impact the behavior intention of young customers toward adopting mobile banking services. PLS-SEM was used as the main research method. The findings from this paper reaffirmed that perceived usefulness and social influence are the most influential factor in behavior intention, but perceived ease of use and perceived risk showed insignificant impacts on young consumers' behavior intention in Vietnam. This paper also found that perceived ease of use had no direct impact on behavior intention but an indirect impact through facilitating perceived usefulness. This subject makes a practical and academic contribution in the context of a developing country where is lacking research in mobile banking apps.

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 From offline shopping to online shopping in Nigeria: evidence from African emerging economy

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Ambrose Ogbonna Oloveze ◽  
Chinweike Ogbonna ◽  
Emmanuel Ahaiwe ◽  
Paschal Anayochukwu Ugwu
Keyword(s):  
Social Influence ◽  
Direct Effect ◽  
Indirect Effect ◽  
Online Shopping ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Consumer Attitude ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Content Type

PurposeThe study builds on studies in online shopping. Existing studies in online shopping proved that it is an attraction to shoppers. In Nigeria's emerging economy the increasing Internet penetration does not equate with intention to use online shopping because it is not really used by users for online shopping. Consumers are considering it unattractive because of serious concerns that border on product quality of online shops and poor know-how on e-tech. The study sought to explore factors that could mitigate challenges to successful online shopping in Nigeria's emerging economy.Design/methodology/approachOnline survey method was used to sample 246 respondents. Measurement items were adapted from related literature. Confirmatory factor analysis and content validity were used to check the reliability and validity. A set of fit indices were used to check the goodness of fit. Data was analysed using structural equation model.FindingsResults indicate direct effects of consumer attitude, perceived usefulness and social influence on intention to use online shopping with consumer attitude shown to have a greater degree of importance towards intention to use online shopping. Thus, consumers' attitude of browsing online and going offline for purchases is dependent on attitude of like or dislike. Perceived ease of use, social influence and perceived usefulness had an indirect positive effect on consumer attitude to intention to use online shopping. Social influence is indicated to have a direct positive effect on perceived ease of use. Also perceived ease of use had a positive and direct effect on perceived usefulness.Research limitations/implicationsThe sample size is not large enough and the use of snowball sampling limits representativeness.Practical implicationsThe study indicated vital factors African emerging economies like Nigeria can use to improve consumer confidence towards intention to use online shopping and drive cashless policies. Several studies have missed the indirect effect of referents (social influence) on adoption of technology. The study proved that it can produce indirect effect as well as direct effect on intention to use online shopping.Originality/valueSeveral studies have missed the indirect effect of referents (social influence) on adoption of technology. The study proved that it can produce indirect effect as well as direct effect on online shopping.

Mobile payment adoption process: a serial of multiple mediation and moderation analysis

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Wanny Oentoro
Keyword(s):  
Social Influence ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Multiple Mediation ◽  
Content Type ◽  
The Relationship

Purpose Global digital payment transactions increase continuously. Due to the inconsistencies that occurred across the research findings, past researchers have called for further investigation to verify and empirically test the mobile payment acceptance model. The purpose of this paper is to develop an integrative model that is derived from the multiple technology acceptance models (TAM)’s a theoretical framework and past literature to understand how consumers decided to adopt mobile payment. By simultaneously testing mechanisms, namely, ease of use, usefulness and risk, the current study will be able to advance scholarly knowledge of the underlying consumer’s attitude and behavior that link social influence to intention to use. Design/methodology/approach A total of 370 valid responses were collected using self-administered questionnaires distributed via online platforms, a representative for Thai consumers. An ordinary least square regression and bootstrap analyzes were conducted through PROCESS Macro to analyze the moderated serial-multiple mediation model in the consecutive inducing of social influence, perceived ease of use, perceived usefulness and perceived risk toward the consumer’s intention to use mobile payment. Findings Within the context of consumers evaluating a mobile payment, statistics significant were found for the hypothesized direct and indirect effects of perceived ease of use and perceived usefulness on an intention to use. The results showed that Thai consumers’ intention to use mobile payment was significantly affected by their attitudes in terms of usefulness and the less complication in using the applications. It is confirmed that social influence indirectly affects intention to use via the increase of perceived ease of use and perceived usefulness. The study also found a significant interaction between perceived risk and perceived usefulness toward intention to use. Practical implications It is recommended to service providers to continue improving the user-friendliness, navigation, integrity and furnish the system with more value-added activities within the mobile payment application. It is also essential for the company to deliver tutorials and clear and easy-to-follow instructions to customers. At the same time, the marketer should develop marketing strategies to promote the usefulness and simplicity of using the applications to the consumers. When consumers experienced the easiness and usefulness of the applications, these could overcome the resistance feeling to use due to the concern on any potential risk. Originality/value The study contributes to the existing body of knowledge on consumer usage behavior and TAM by integrating all important variables and developed a parsimony framework to explain consumers’ usage adoption on mobile payment. Moreover, the current study was the very first that proposed and tested a serial of multiple mediations of perceived ease of use and perceived usefulness, moderated by perceived risk, in the relationship between social influence and consumers’ intention to use mobile payment and discovered a moderating role of perceived risk toward the relationship between perceived usefulness and mobile payment usage intention.

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.

A Study on the Acceptance Factors of the Smart Phone

2010 ◽  
Vol 20-23 ◽  
pp. 762-767 ◽  
Author(s):  
Youngon Cho ◽  
Saeha Jeon ◽  
Gui Young Choi
Keyword(s):  
Social Influence ◽  
Technology Acceptance ◽  
Significant Influence ◽  
Smart Phone ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Theoretical Research ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Acceptance Factors

Mobile convergence has brought about many changes in the modern society. Especially, combining strengths of existing mobile phones and PDA functionality, smart phone is able to overcome the time and location limitations that existing desktop did not meet. This study tried to examine factors influencing intention to use of smart phone based on the theoretical studies on technology acceptance model. Applying to smart phones relevant theoretical relations extracted from previous theoretical research background on mobile devices, mobility, interactivity, innovativeness, social influence and job fitness were selected as independent variables of acceptance factors of smart phone and then research model and hypotheses were established by using these variables. To verify the hypothesis on whether smart phone acceptance factors have a significant influence on perceived ease of use and perceived usefulness, innovativeness was in significant influence on perceived ease of use, social influence was in significant influence on perceived usefulness and mobility and interactivity were in significant influence on both variables. As a result of analysis on perceived usefulness and intention to use, the mediating variables of perceived ease of use was in significant influence on perceived usefulness and perceived usefulness was in significant influence on intention to use.

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