Acceptance of Mobile Banking Services in Makassar: A Technology Acceptance Model (TAM) Approach

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.

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Examining Mobile Banking Adaptation among College Students Using Technology Acceptance Model (TAM)

Int l Journal of Management Innovation Systems ◽

10.5296/ijmis.v5i1.17561 ◽

2020 ◽

Vol 5 (1) ◽

pp. 12

Author(s):

Musaed S. AlAli ◽

Lamyaa S. AlAli

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Business Students ◽

Mobile Banking ◽

Banking Services ◽

The Public ◽

College Of Business ◽

Acceptance Model ◽

Applied Education ◽

And Training

Students are becoming more engaged in technology in general and with mobile technology in particular. Banks try to get the most of that knowledge by offering new services to attract that market segment. The aim of this study is to investigate the factors that influence the adoption of mobile banking (m-banking) services by college of business students at the Public Authority for Applied Education and Training (PAAET) in Kuwait. The theoretical framework for this study is based on Technology Acceptance Model (TAM) – TAM for mobile services is used to explore the factors that influence users’ adaptation of m-banking. The model uses the number of times student uses their mobile banking application per week as the dependent variable while the usefulness of the application, the security the application provides for the user and how easy it is to use the application as independent variables. Results obtained from this research showed that the usefulness of the mobile banking application was the most important factor affecting the adaptation of the application followed by ease in using the application and the safety variable came as the least important.

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Predicting Mobile Banking Adoption: An Integration of TAM and TPB with Trust and Perceived Risk

Financial Internet Quarterly ◽

10.2478/fiqf-2021-0017 ◽

2021 ◽

Vol 17 (3) ◽

pp. 35-46

Author(s):

Ziad Aldammagh ◽

Rabah Abdeljawad ◽

Tareq Obaid

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Perceived Risk ◽

Empirical Support ◽

Mobile Banking ◽

Banking Services ◽

Tam Model ◽

Mobile Banking Applications ◽

Acceptance Model ◽

Game Changer

Abstract Mobile banking has been a game changer for financial organizations in terms of remote banking services. However, many customers remain uncertain due to its security. Therefore, improving the comprehension of the customer’s reasons and methods of using bank sites, including their behaviour towards e-banking, is crucial. This article discusses the matter by suggesting a technology acceptance model that integrates the theory of the planned behavior model in the classic TAM model with trust and perceived risk in order to elucidate the aspects that influence users’ acceptance of mobile banking applications in Palestine. This study is designed to give both theoretical and empirical support for e-commerce adoption. We are also capable in providing particular marketing ideas for practitioners in relation to the uptake of mobile banking.

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Technology Cluster Effect as Moderator in the Technology Acceptance Model: The Case of Text Messaging and Wig Mobile Banking Adoption

The Sustainable Global Marketplace ◽

10.1007/978-3-319-10873-5_136 ◽

2014 ◽

pp. 240-240 ◽

Cited By ~ 1

Author(s):

Jacques Nel ◽

Christo Boshoff ◽

Tsietsi Raleting

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Text Messaging ◽

Cluster Effect ◽

Mobile Banking ◽

Acceptance Model

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The Application of Technology Acceptance Model to Assess the Role of Complexity Toward Customer Acceptance on Mobile Banking

Proceedings of International Conference on Smart Computing and Cyber Security - Lecture Notes in Networks and Systems ◽

10.1007/978-981-15-7990-5_25 ◽

2020 ◽

pp. 259-265

Author(s):

Gustita Arnawati Putri ◽

Ariyani Wahyu Wijayanti ◽

Kurnia Rina Ariani

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Mobile Banking ◽

Customer Acceptance ◽

Acceptance Model

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The Use of Technology Acceptance Model in Mobile Banking

Research Anthology on Concepts, Applications, and Challenges of FinTech ◽

10.4018/978-1-7998-8546-7.ch026 ◽

2021 ◽

pp. 478-487

Author(s):

Kadriye Burcu Öngen Bilir

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Ease Of Use ◽

Perceived Usefulness ◽

Mobile Banking ◽

Research Model ◽

Normative Pressure ◽

Use Of Technology ◽

Customer Attitude ◽

Acceptance Model

This chapter aims to determine the variables that explain using mobile banking. This study identifies and investigates the factors that influence the adoption of mobile banking, and specifically focuses on the evaluation of mobile banking application with users or non-users. The research model includes the basic concepts of the technology acceptance model. The technology acceptance model (TAM) tries to explain the adoption process and underlying influencing factors in technology acceptance. The survey was conducted to gather data which was coded in SPSS 17. Confirmatory factor analysis was used to analyze data, and structural equation modeling using Amos 17 software was used to validate the research model. The result shows that perceived ease of use, perceived usefulness, and perceived normative pressure significantly influences customer attitude, which affects the adoption of mobile banking.

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SMS Banking

International Journal of E-Services and Mobile Applications ◽

10.4018/jesma.2010070102 ◽

2010 ◽

Vol 2 (3) ◽

pp. 19-43 ◽

Cited By ~ 4

Author(s):

Krassie Petrova ◽

Shi Yu

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Text Messaging ◽

Relevant Literature ◽

Mobile Service ◽

Mobile Banking ◽

Group Discussions ◽

Short Text ◽

Handheld Device ◽

Acceptance Model

Mobile banking is a mobile service that allows the user to perform banking transactions using a mobile handheld device and a mobile service known as short text messaging (SMS). Deploying an expanded Technology Acceptance Model (TAM), this study aims to identify the factors that influence the customer’s decision to use SMS banking. Findings from relevant literature and outcomes of the analysis of qualitative data were gathered through focus group discussions to build a model, and a survey was conducted to explore the model with respect to individuals’ behaviour when considering using SMS banking. Findings show that service quality, as well as the degree of customers’ awareness about the service, influence participants’ perceptions about the usefulness of SMS banking and their intentions to use and adopt the service in the future.

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Acceptance of Islamic financial technology (FinTech) banking services by Malaysian users: an extension of technology acceptance model

foresight ◽

10.1108/fs-12-2019-0105 ◽

2020 ◽

Vol 22 (3) ◽

pp. 367-383 ◽

Cited By ~ 4

Author(s):

Imran Mehboob Shaikh ◽

Muhammad Asif Qureshi ◽

Kamaruzaman Noordin ◽

Junaid Mehboob Shaikh ◽

Arman Khan ◽

...

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Ease Of Use ◽

Perceived Usefulness ◽

Perceived Ease Of Use ◽

Consumer Innovativeness ◽

Banking Services ◽

Content Type ◽

Acceptance Model ◽

Financial Technology

Purpose This paper aims to examine the determinants that influence bank users’ acceptance for Islamic financial technology (FinTech) services by extending the technology acceptance model (TAM) in the Malaysian context. Design/methodology/approach The survey was conducted using convenience sampling. Moreover, 205 responses were gathered from users of the Islamic bank. On the same note, the literature on determinants of Islamic FinTech acceptance and TAM was reviewed as well in a bid to contribute to the factors that are instrumental in determining the acceptance of FinTech services. Findings Findings of the study reveal that Islamic FinTech’s services acceptance is determined by perceived ease of use, perceived usefulness and also by another variable, which is consumer innovativeness (CI). On the contrary other factors, self-efficacy and subjective norms are found not to be influential in determining Islamic FinTech’s acceptance by Islamic banking users. Originality/value TAM is extended in the context of Islamic FinTech. A new variable, namely, CI is tested using TAM. CI is yet to be tested, therefore, this paper will be a useful reference for the policymakers, academicians and future researchers.

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