Revisiting expectation confirmation model to measure the effectiveness of multichannel bank services for elderly consumers

PurposeThis study aims to understand the expectations of elderly bank customers with mobile banking services and to measure its impact on their long-term satisfaction and continued intention. The study is based on two theories, expectations-confirmation theory (ECT) and hedonic adaptation theory.Design/methodology/approachA self-administered longitudinal survey was completed with a sample of 208 elder customers who do not use mobile banking services. Latent growth curve modelling approach was used to determine the change in their post-adoption experience over four time points.FindingsResults of the study confirm that the use of mobile banking services prolongs the duration of customer satisfaction and continued intention level, post-adoption, reinforcing the hedonic adaptation theory.Research limitations/implicationsMobile banking services are going to be a significant component of the multichannel banking agenda. But it might be interesting to review other digital channels of banking services. The key contribution of this study is that it measures the expectation-confirmation link of elderly customers with mobile banking services. The study sheds light on factors that positively influence customer inclination and adoption of multichannel banking services in the long run, which is important for the commercial success of such channels.Practical implicationsThe study highlights the importance of elder customers' pre-expectations, related dimensions which are important for post-adoption experiences of mobile banking services to improve customers' satisfaction and continued intention in the long run. This is crucial for the commercial success of banks.Originality/valueThis is the first such study that used the expectation confirmation model (ECT) and related it with hedonic adaptation theory to assess elderly customer's post-adoption satisfaction and continued usage of mobile banking services over time.

How expectancy violations facilitate learning to cope with pain – An experimental approach

Background: Expectations of painful sensations constitute a core feature of chronic pain. An important clinical question is whether such expectations are revised when disconfirming experiences are made (e.g., less pain than expected). The present study examined how people adjust their pain expectations when the experience of decreasing pain is expected vs. unexpected. Methods: In a novel experimental paradigm, people who frequently experience pain (N=73) were provided with painful thermal stimulations. Unbeknownst to participants, the temperature applied was decreased from trial to trial. Based on the experimental instructions provided, this experience of decreasing pain was expected in one condition (expectation-confirmation), whereas it was unexpected in another (expectation-disconfirmation). Results: Expectation violations were higher in the expectation-disconfirmation condition than in the expectation-confirmation condition, F(1, 69) = 6.339, p = .014, ηp² = .084. Participants from the expectation-confirmation condition showed a greater adjustment of their pain expectations than the expectation-disconfirmation condition, F(1.666, 114.929) = 7.486, p = .002, ηp² = .098. Across groups, expectation adjustment was related to increases in pain tolerance (r = .342, p = .004) and the ability to cope with pain (r = .234, p = .045) at a one-week follow-up. Conclusions: Participants were more likely to adjust their pain expectations when the experience of decreasing pain was expected. Though participants who experienced large discrepancies between expected and experienced pain were hesitant to adjust their pain expectations immediately, experiencing expectation violations increased their ability to cope with pain one week later, suggesting some beneficial longer-term effects of expectation violations.

MFS usage intention during COVID-19 and beyond: an integration of health belief and expectation confirmation model

Purpose The usage rate of mobile financial services (MFS) has shown an uptick since the emergence of the COVID-19 pandemic in Bangladesh. This study aims to reveal the underpinning reasons for such MFS surge and its continuance by integrating health belief model (HBM) and expectation confirmation model (ECM).Design/methodology/approach The study analyzes 529 MFS users' responses during the second wave of the COVID-19 outbreak in Bangladesh using the partial least square method.Findings Satisfaction is more predictive than perceived usefulness in explaining continuance usage intention. Expectation confirmation also indirectly affects continuance intention. Among the HBM constructs, the indirect effect of perceived severity on continuance intention via perceived usefulness and satisfaction is significant. Besides, the impact of self-efficacy on continuance intention is also significant. Moreover, perceived credibility significantly affects satisfaction and indirectly affected continuance usage intention via satisfaction.Practical implications The study projects boosting customers' satisfaction is critical for the successful retention of existing MFS customers. MFS service providers should emphasize the factors that amplify satisfaction. They must evaluate preadoption factors so that customers can have positive confirmation. Especially, the service providers, the policymakers and the regulators should take an active role in improving the users' self-efficacy and the system's credibility. Undertaking the MFS literacy program, installing hotline service to provide emergency help will boost users' confidence in using the system.Originality/value The study is a unique contribution in the context of Bangladesh. To the best of the authors’ knowledge, no previous MFS studies in Bangladesh explored MFS continuance usage intention during COVID-19 and beyond. Besides, the inclusion of “perceived credibility” in the framework will supplement the earlier studies conducted on this aspect.

Privacy or Security: Does It Matter for Continued Use Intention of Travel Applications?

Mobile applications (apps) critically affect travelers’ decision-making and shape their experiences. Grounded in the expectancy value approach, this study examines the relationships among expectation confirmation (usefulness, ubiquity, ease of use, incentives, and enjoyment), privacy protection, security, satisfaction, and trust, and how these factors influence travel app users’ intention to continue using the app. Phase One of the study analyzed data from 509 survey respondents via structural equation modeling. The findings show that expectation confirmation, security, satisfaction, and trust influence travelers’ intention to continue using the travel app, whereas privacy protection exerts no significant effects. Travel app users’ level of technology proficiency moderates the effect of perceived security and satisfaction on the intention to continue use. In Phase Two, semi-structured interviews were conducted to explore the key findings from Phase One. This study contributes to the literature by examining expectation confirmation, perceived values of privacy protection, and security of travel app users in a single model to explain individuals’ satisfaction, trust, and continued use intention. The study findings also offer strategic implications for travel app developers as well as hospitality and tourism service providers and marketers on how to deliver a high-quality experience, enhance satisfaction and trust, and increase continued use intention among travel app users.

Does MOOC Quality Affect Users’ Continuance Intention? Based on an Integrated Model

Massive open online course (MOOC) is an innovative educational model that has attracted widespread attention in recent years. Despite a growing number of registered users, many have given up continuously using MOOC platforms after the first-time user experience; thus, a high dropout rate has severely hindered the sustainable development of MOOC platforms. To address the problem, this study started with the quality factors of MOOC platforms and the confirmation of user expectations by integrating the D&M ISS model and the expectation confirmation model into one, with the goal of identifying the factors that affect users’ continuance intention to use MOOC platforms. In this study, online questionnaires were distributed to Chinese users with experience in using MOOC platforms, and a total of 550 valid samples were recovered. In addition, the theoretical model was tested using structural equation modeling (SEM). The research results showed that there are three critical antecedents affecting the confirmation of user expectations for a MOOC platform, including information quality, system quality, and service quality, of which service quality has the greatest impact on users’ expectation confirmation. If user expectations for an MOOC platform are positively confirmed, the perceived usefulness of the platform as well as the satisfaction with it will effectively be improved. Moreover, perceived usefulness has been proven to be a critical factor affecting users’ continuance intention to use MOOC platforms, which is followed by user satisfaction. Compared to the original ECM, the integrated research model has delivered significantly improved explanatory power for users’ continuance intention. Hence, this study makes up for the insufficiency of ECM in explaining the factors affecting users’ expectation confirmation and provides theoretical support for MOOC platform developers.

Understanding Continuance Usage of Mobile Learning Applications: The Moderating Role of Habit

This study explored the factors that affect the intention of users to continue using mobile learning (m-learning) applications (apps). The influence of habit on user behavior toward information systems has been extensively discussed in the literature, but its role in the continuance of users when it comes to their usage of apps, especially m-learning apps, has rarely been reported. To obtain a comprehensive understanding of behaviors regarding the use of m-learning apps, this study constructed a theoretical research framework based on expectation confirmation theory and flow theory by considering habit as a moderating variable. Online questionnaires were administered to users of m-learning apps in Taiwan and data were analyzed through a structural equation modeling approach. The results indicated that the intention of users to continue using m-learning apps was influenced by satisfaction, perceived usefulness, and flow experience. Expectation confirmation affected user satisfaction and perceived usefulness. Differences existed in the intention to continue usage between users with strong and weak habits. In addition, perceived usefulness, expectation confirmation, and flow experience had direct and positive effects on satisfaction. The implications of these findings were discussed.