How Relevant Are Risk Perceptions, Effort, and Performance Expectancy in Mobile Banking Adoption?

Aijaz A. Shaikh; Richard Glavee-Geo; Heikki Karjaluoto

doi:10.4018/ijebr.2018040103

How Relevant Are Risk Perceptions, Effort, and Performance Expectancy in Mobile Banking Adoption?

Research Anthology on Securing Mobile Technologies and Applications ◽

10.4018/978-1-7998-8545-0.ch038 ◽

2021 ◽

pp. 692-716

Author(s):

Aijaz A. Shaikh ◽

Richard Glavee-Geo ◽

Heikki Karjaluoto

Keyword(s):

Financial Services ◽

Risk Perceptions ◽

Survey Design ◽

Adoption Process ◽

Comprehensive Overview ◽

Performance Expectancy ◽

Effort Expectancy ◽

And Performance ◽

Adoption Intention

This article provides a comprehensive overview of the adoption process using evidence from m-banking adoption in Pakistan. A survey design was used and 189 responses were received from across Pakistan and analyzed using Smart PLS application. Findings suggest that research on the effect of risk in the adoption process remains inconclusive. Contrarily, consumers have overcome many fears due to the usefulness, indispensability, high security features, and effort expended in the use of financial services delivered through m-banking. Perceived risk's (PR) direct influence was found to be generally weak. However, PR plays a major role in the pre-adoption process because it's weak and direct inhibiting influence become an “enhancer” in the association between effort expectancy (EE) and the three key TAM/UTAUT constructs [performance expectancy (PE), attitude (ATT), and adoption intention (INT)]. Most importantly, the role of EE as a strong driver of PE, ATT, INT, and its significant interaction with PR highlights the unique role that both risk and EE play in the adoption process.

An Islamic Bank's Customers' Approach to Gamify Mobile Banking

International Journal of Online Marketing ◽

10.4018/ijom.2021100102 ◽

2021 ◽

Vol 11 (4) ◽

pp. 23-40

Author(s):

Aysegul Sagkaya Gungor ◽

Yusuf Ihsan Kurt

Keyword(s):

Mobile Banking ◽

Islamic Banks ◽

Banking Services ◽

Performance Expectancy ◽

Promising Tool ◽

And Performance ◽

And Gender ◽

Facilitating Conditions ◽

Behavioral Intention To Use ◽

Positive Effect

Making customers adopt mobile banking is a great challenge for banks, and especially for Islamic banks. This study investigates the factors that could predict the customers' use intention of the mobile banking services of Islamic banks by applying the conceptual model of UTAUT2. The model was further extended with gamification, as a promising tool to ease the adoption, while discussing the moderating effect of age and gender for all variables. The applied questionnaire to collect data has resulted in 205 respondents. The findings implied that facilitating conditions, habit, price value, and performance expectancy are effective variables in Islamic banking customers' behavioral intention to use m-banking. Gamification has a positive effect only when customers are younger than 30. It is further discovered that only the customers 30 and older had performance expectancy. Regarding gender differences, the only finding is the men's greater interest in the price value.

Empathy in Piano Duet Rehearsal and Performance: A Response to Haddon and Hutchinson

Empirical Musicology Review ◽

10.18061/emr.v10i1-2.4574 ◽

2015 ◽

Vol 10 (1-2) ◽

pp. 157

Author(s):

Fred Seddon

Keyword(s):

Verbal Communication ◽

Original Study ◽

Future Research ◽

Top Down ◽

Dual Roles ◽

Unique Role ◽

And Performance ◽

The Impact ◽

Prior Relationship

<p>This review comments upon the article entitled above. The article is well written and describes an interesting and original study. This review critiques the Method and Discussion sections of the article and offers suggestions for future research. Three specific points from the method are considered relating to: dual roles as researcher-musicians, the use of reflective diaries in research, and the impact on the research of the prior relationship between the authors. The unique role of “written empathy” is discussed within the context of empathic relationships. Also, this review considers how shifts from verbal to non-verbal communication may indicate movement from a “top-down” to “bottom up” response, and how this shift is related to “empathetic attunement.”</p>

ROLE OF TECHNOLOGY IN FINANCIAL INCLUSION IN INDIA

EPRA International Journal of Research & Development (IJRD) ◽

10.36713/epra8822 ◽

2021 ◽

pp. 1-5

Author(s):

Arun.K.V

Keyword(s):

Rural Areas ◽

Financial Services ◽

Business Models ◽

Formal System ◽

Financial Inclusion ◽

Handheld Devices ◽

Mobile Banking ◽

Major Step ◽

Banking Business

Technology and financial inclusion are the popular coinage in banking parleys in the country. While technological upgradation and mobile banking are catching up so fast, financial inclusion is tardy. Financial inclusion is a major agenda for the Reserve Bank of India (RBI). Without financial inclusion, banks cannot reach the un-banked. It is also a major step towards increasing savings and achieving balanced growth. The reach the country is having with technological progress mobile banking has the potential to emerge as a game changer in terms of costs, convenience, and speed of reach. Business models of banks, telecom operators and other stakeholders need to converge. However, the banking industry’s penetration to un-banked areas is still found sluggish. The role of the Indian banker is challenging. At one end of this spectrum lies the demand to achieve financial inclusion as nearly 50 per cent of the population is yet to be covered under the formal system of banking and at the other end lies the task to fulfil the needs of the existing customers. The first priority for banks is to adopt core banking solution (CBS), including all regional rural banks (RRBs). Next, a multi-channel approach using handheld devices, mobiles, cards, micro-ATMs, branches and kiosks can be used. However, it should be ensured that the transactions put through such front-end devices should be seamlessly integrated with the banks’ CBS. In rural areas, where accessibility is a problem, banks are using the microfinance network and business correspondents and facilitators to bring more people under the ambit of banking services. Capitalising on the huge untapped potential in smaller towns and cities and rendering financial services to this segment of people poses a big challenge. Few banks have explored technology solutions to increase the scale of their microfinance portfolios, with the use of smart cards and core banking solutions. KEYWORDS- Technology, Financial Inclusion, Core Banking, Business Correspondents

IT’S MINE, I DECIDE WHAT TO CHANGE: THE ROLE OF PSYCHOLOGICAL OWNERSHIP IN EMPLOYEES’ PROCESS INNOVATION BEHAVIOUR

International Journal of Innovation Management ◽

10.1142/s1363919621500134 ◽

2020 ◽

pp. 2150013

Author(s):

MICHAEL LEYER ◽

ANN-KATHRIN HIRZEL ◽

JUERGEN MOORMANN

Keyword(s):

Financial Services ◽

Survey Design ◽

Process Innovation ◽

Psychological Ownership ◽

Incremental Innovation ◽

Soft Factor ◽

Services Sector ◽

Innovation Activities ◽

Managerial Employees

Employees play a major role in enabling organizations to innovate their processes. While conditions for participation have to be established, barriers have to be lowered and trainings take place, the motives of employees to participate in incremental and discontinuous process innovation are not well understood. One important soft factor not addressed yet sufficiently is psychological ownership of non-managerial employees that can contribute to increase process innovation activities. We apply a multi-time survey design gathering quantitative data which is analysed with structured equation modelling. The findings suggest that psychological ownership is important in fostering innovation behaviour with incremental innovation behaviour being an important mediator for the effect on radical innovation behaviour. We show how psychological ownership is useful in fostering process innovation behaviour with data from the financial services sector. Organisations should invest in establishing psychological ownership on the level of operations to increase process innovation.

Mobile banking services adoption in Pakistan: are there gender differences?

International Journal of Bank Marketing ◽

10.1108/ijbm-09-2015-0142 ◽

2017 ◽

Vol 35 (7) ◽

pp. 1090-1114 ◽

Cited By ~ 20

Author(s):

Richard Glavee-Geo ◽

Aijaz Ahmed Shaikh ◽

Heikki Karjaluoto

Keyword(s):

Gender Differences ◽

Technology Acceptance ◽

Group Analysis ◽

Adoption Process ◽

Mobile Banking ◽

Banking Services ◽

Men And Women ◽

Content Type ◽

Adoption Intention

Purpose The purpose of this paper is to provide a comprehensive insight into the deciding factors affecting an individual’s intention to adopt mobile banking (m-banking) services in Pakistan. Design/methodology/approach A survey approach was used with a sample of 189 responses from across Pakistan. Multi-group analysis was performed in order to detect gender differences among men and women in the process of adopting m-banking. Findings The paper found support for the positive effect of perceived behavioral control (PBC) and attitudes (ATT) toward m-banking adoption intentions. Significant differences between men and women were found to affect subjective norms (SN) on adoption intention, even though the combined sample of men and women was insignificant. The effect of SN on m-banking adoption is stronger for women than for men. Interestingly, the paper provides contradictory findings on the role of PBC on adoption intention. The effect of PBC on m-banking adoption intention was found to be significantly stronger for men than for women. Practical implications The results present implications of consumer behavior and marketing communication for bank marketing. Although men and women do not differ in their ATT toward m-banking service adoption in general, the succinct nuance between men and women in terms of the influence of SN and PBC with adoption intention calls for a strategic reorientation of how men and women as consumers of m-banking services should be appropriately segmented, targeted and communicated. The formulation of marketing strategies to target potential consumers and to reinforce the usefulness of m-banking to existing consumers should not be “one size fits all.” The marketing of m-banking services to segments of men and women should be approached strategically in order to increase adoption rates in developing/emerging economies. Originality/value This is the first study on m-banking services adoption in Pakistan to examine the role of gender in the innovation adoption process. The differences between the two genders and the insightful results that we found in our study help shed light on the uniqueness of the context. This study is also one of the first to test a combined technology acceptance model and theory of planned behavior model in the context of m-banking adoption in a developing country using a variance-based modeling technique.

Exploring the Role of Trust in Mobile-Banking Use by Indonesian Customer Using Unified Theory of Acceptance and Usage Technology

International Journal of Financial Research ◽

10.5430/ijfr.v11n2p51 ◽

2020 ◽

Vol 11 (2) ◽

pp. 51 ◽

Cited By ~ 1

Author(s):

Mohamad Saparudin ◽

Agus Rahayu ◽

Ratih Hurriyati ◽

Mokh. Adib Sultan

Keyword(s):

Social Influence ◽

Study Data ◽

Intention To Use ◽

Mobile Banking ◽

Performance Expectancy ◽

Study Results ◽

Effort Expectancy ◽

Convenience Sampling ◽

Technology Benefits

M-banking is an innovative digital application that provides convenience in transactions and this technology benefits both customers and banks. The purpose of this study is to examine the factors that influence the customer's intention to use m-banking and the role of trust in influencing the UTAUT construct. The UTAUT model that is expanded with trust variables is used in this study. Data was collected through an empirical study based survey of 243 participants in Jakarta, using convenience sampling. The study results show that there is a significant relationship between performance expectancy, effort expectancy, social influence and trust with behavioral intention. Moreover, trust significantly influence performance expectancy, effort expectancy, social influence. The findings theoretically are able to prove the factors that influence the customer's mobile banking adoption, where the effort expectancy factor is the factor that most influences the intention to use m-banking in Indonesia.

The Effect of Gender, Age, and Education on the Adoption of Mobile Government Services

International Journal on Semantic Web and Information Systems ◽

10.4018/ijswis.2020070103 ◽

2020 ◽

Vol 16 (3) ◽

pp. 35-52

Author(s):

Isaac Kofi Mensah ◽

Guohua Zeng ◽

Chuanyong Luo

Keyword(s):

Self Efficacy ◽

Theoretical Foundation ◽

Intention To Use ◽

Unified Theory ◽

Government Services ◽

Utaut Model ◽

Performance Expectancy ◽

Use Of Technology ◽

And Performance

This study explored the important role of demographic factors such as gender, age, and education in the adoption of mobile government (m-government) services. The Unified Theory of Acceptance and Use of Technology (UTAUT) model was used as the theoretical foundation whiles the data was captured and analyzed with SPSS and SmartPLS. The results have demonstrated that gender is a significant predictor of both the intention to use and performance expectancy of m-government services. However, gender does not determine mobile self-efficacy. In addition, age and education were both were significant predictors of performance expectancy, mobile self-efficacy and the intention to use m-government services respectively. The implications of these and other findings of the study are thoroughly discussed.

How Task Experience Influences Students' Performance Expectancies: The Role of Certainty

Psychological Reports ◽

10.2466/07.11.20.pr0.109.5.380-388 ◽

2011 ◽

Vol 109 (2) ◽

pp. 380-388 ◽

Cited By ~ 2

Author(s):

Oliver Dickhäuser ◽

Marc-André Reinhard ◽

Chris Englert

Keyword(s):

Expectancy Value ◽

Performance Expectancy ◽

Performance Expectancies ◽

Predicting Performance ◽

Before And After ◽

Mathematics Examination ◽

Predicting Behavior ◽

And Performance ◽

Task Experience

The importance of performance expectancies for predicting behavior has long been highlighted in research on expectancy-value models. These models do not take into account that expectancies may vary in terms of their certainty. The study tested the following predictions: task experience leads to a higher certainty of expectancies; certainty and mean expectancies are empirically distinguishable; and expectancies held with high certainty are more accurate for predicting performance. 273 Grade 8 students reported their performance expectancy and the certainty of expectation with regard to a mathematics examination immediately before and after the examination. Actual grades on the examination were also assessed. The results supported the predictions: there was an increase in certainty between the two times of measurement; expectancies and certainty were unrelated at both times of measurement; and for students initially reporting higher certainty, the accuracy of the performance expectancy (i.e., the relation between expectancy and performance) was higher than for students reporting lower certainty. Given lower certainty, the accuracy increased after the students had experience with the examination. The data indicate that it may be useful to include certainty as an additional variable in expectancy-value models.

Peran Pemerintah Dalam Mitigasi Kejahatan Pasar Modal

Journal of Education, Humaniora and Social Sciences (JEHSS) ◽

10.34007/jehss.v2i1.68 ◽

2019 ◽

Vol 2 (1) ◽

Author(s):

Bartolomeus Diaz Sianipar

Keyword(s):

Law Enforcement ◽

Capital Market ◽

Financial Services ◽

Role Of Government ◽

Library Research ◽

Rapid Economic Growth ◽

The Government ◽

And Performance ◽

The Capital Market

AbstrakSaat ini perkembangan ekonomi berjalan sangat pesat namun, ditengah pesatnya pertumbuhan ekonomi terdapat juga ketidakstabilan ekonomi yang kemudian memberikan peluang kepada pihak-pihak yang berkaitan dengan kegiatan pasar modal untuk melakukan kejahatan pasar modal. Banyaknya kejahatan yang terjadi dalam kegiatan pasar modal sejak tahun 2009 sampai tahun 2017 tentunyamenimbulkan banyak spekulasi tentang wewenang dari badan OJK yang bertanggung jawab dalam pengawasan pasar modalsehingga ini menjadi permasalahan dalam penelitian ini. Permasalahannya adalah bagaimana peran pemerintah dalam mitigasi kejahatan pasar modal Indonesia.Penelitian ini dilakukan terhadap kebijakan dan kinerja Otoritas Jasa Keuangan (OJK). Jenis penelitian yang digunakan dalam penulisan ini adalah yuridis normative. Metode pendekatan yang digunakan dalam penelitian ini library research, dengan sumber bahan hukum sekunder. Sanksi terhadap kejahatan pasar modal tercantum dalam UUPM bahwa kejahatan dalam pasar modal dapat dituntut secara perdata berupa sanksi atas perbuatan melawan hukum, serta dapat juga dituntut secara pidana. Namun oleh lembaga regulator pasar modal, yaitu OJK cenderung ke arah ganti rugi atau denda/sanksi administratif. Dengan maraknya kejadian kejahatan pasar modal, Sangat diharapkan kepada OJK untuk dapat membuat regulator yang mengikuti perkembangan dengan keadaan dan kondisi yang terdapat dalam penegakan hukum pasar modal sehingga, dapat meminimalisir kejahatan dalam pasar modal serta tidak membuat investor baik nasional maupun asing takut untuk turut andil dalam pasar modal di Indonesia.Kata Kunci: Peran Pemerintah, Mitigasi, Kejahatan, Pasar Modal. AbstractAt present the economic development is running very rapidly but, In a middle of the rapid economic growth there is also economic instability which then provides opportunities for parties related to capital market activities to commit capital market crimes. The large number of crimes that have occurred in capital market activities from 2009 to 2017 has caused a lot of speculation about the authority of the OJK agency responsible for modest market supervision so that this becomes a problem in this research. The problem is how the government plays a role in mitigating Indonesia's capital market crime. This study was conducted on the policies and performance of the Financial Services Authority (OJK). The type of research used in this writing is normative juridical. The method of approach used in this study is the research library, with a source of secondary legal material. Sanctions for capital market crimes are stated in the Capital Market Law that crime in the capital market can be prosecuted in the form of sanctions for acts against the law, and can also be prosecuted criminal. However, by the capital market regulator, the OJK tends towards compensation or fines/administrative sanctions.With capital market events, it is desirable for OJK to be able to make regulators that follow developments and conditions needed in capital market law enforcement, can minimize crime in the capital market and It also does not make investors both national and foreign afraid to take part in the capital market in Indonesia.Keywords: Role of Government, Mitigation, Crime, Capital Market.