To see the other types of publications on this topic, follow the link: Mobile banking adoption.
Journal articles on the topic 'Mobile banking adoption'
Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles
Consult the top 50 journal articles for your research on the topic 'Mobile banking adoption.'
Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.
You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.
Browse journal articles on a wide variety of disciplines and organise your bibliography correctly.
1
Mahardika, Rangga Maulid, and Harsini Soetomo. "Anteseden Mobile Banking Adoption." Media Riset Bisnis & Manajemen 19, no. 1 (August 28, 2019): 45. http://dx.doi.org/10.25105/mrbm.v19i1.5352.
Full textAbstract:
<p><strong>Abstra</strong><strong>k</strong></p><p><strong> </strong></p><p><strong>Tujuan –</strong>Tujuan dari penelitian ini adalah untuk menganalisis pengaruh dari self efficacyterhadap mobile banking adoption melalui perceived risk, perceived ease of use,perceived usefulness dan behavioural intention.</p><p><strong>Desain/Metodologi/ Pendekatan – </strong>Rancangan penelitian ini dilakukandengan menggunakan rancangan penelitian uji hipotesis (hypotheis testing). Unitanalisis yang digunakan dalam metode penelitian ini adalah pengguna Mobilebanking yang aktif menggunakan dalam 3 bulan terakhir, dan penelitian inimenggunakan data cross-sectional dan teknik sampling yang digunakan adalahpurposive sampling. Structural Equation Modeling (SEM) digunakan untuk mengujihipotesis dalam penelitian ini.</p><p><strong>Temuan - </strong>Hasil penelitian ini menunjukan bahwa (1) Selfefficacy tidak memiliki pengaruh negatif yang signifikan terhadap perceived risk, Self Efficay memiliki pengaruh positif terhadap perceived ease of use dan perceived usefulness dalam penggunaan mobile banking, (2) Perceived ease of use memiliki pengaruh positif terhadap perceived usefulness, Perceived ease of use memiliki pengaruh positif terhadap Intention to Adoption Mobile Banking (3) Perceived risk tidak memiliki pengaruh negatif yang signifikan terhadap intention to adoption mobile banking, (4) Perceived ease of use dan perceived usefulness memiliki pengaruh positif terhadap intention to adoption mobile banking, (5) Perceived usefulness tidak memiliki pengaruh positif yang signifikan terhadap adoption mobile banking, dan (6) Intention to adoption mobile banking memiliki pengaruh positif terhadap adoption mobile banking.</p><p><em> </em></p><p><strong><em>Abstract</em></strong></p><p><strong><em>Purpose </em></strong><em>–</em><em>The purpose of this study is to </em><em>analyze</em><em> the </em><em>effect of self eficacy on mobile adoption through percieved risk, percieved ease of use, percieved usefulness and behavioral intention</em><em></em></p><p><strong><em>Des</em></strong><strong><em>ign</em></strong><strong><em>/Met</em></strong><strong><em>hodology</em></strong><strong><em>/</em></strong><strong><em>Approach – </em></strong><em>Using 210 respondents of active mobile banking users in last 3 months, hypotheses were tested with Structural Equation Modeling by AMOS</em></p><p><strong><em>Findings</em></strong><em> - </em><em>The results showed a positive influence between reflected appraisal of self, self image congruency and cafe quality of cafes toward the electric keyword from word of mouth, while on the conspicuous value and price fairness of does not affect the electronic word-of-mouth. There are several managerial implications that can influence consumers to deliver eWOM by taking more attention to self-relevant value and cafe-relevant value.</em></p><p> </p>
2
Zhang, Tingting, Can Lu, and Murat Kizildag. "Banking “on-the-go”: examining consumers’ adoption of mobile banking services." International Journal of Quality and Service Sciences 10, no. 3 (September 17, 2018): 279–95. http://dx.doi.org/10.1108/ijqss-07-2017-0067.
Full textAbstract:
Purpose This paper aims to examine consumers’ adoption of mobile technology to facilitate their banking services and activities, and to investigate the factors influencing their adoption and engagement. Design/methodology/approach An online survey is used to test proposed relationships between factors and consumers’ mobile banking adoption. Structural equation modeling is performed to analyze consumers’ intentions toward mobile banking. Findings Traditional technology acceptance model factors – perceived usefulness and perceived ease of use – are identified as effective factors in influencing consumers to adopt mobile technology for facilitating banking services. Moreover, technology safety concerns, including reliability and privacy factors, are found to play an important role in motivating consumers to embrace mobile banking. The “fun” feature of the technology and consumers’ innovativeness characteristics are considered important in influencing mobile banking adoption. Trust in the banks has its predominant role in mobile technology adoption for banking services. Practical implications A bank gaining trust from its clients is key to active adoption of mobile banking technology. Bankers are advised to pay more attention to reliability and privacy features when designing and promoting mobile banking technology to consumers. Moreover, advertisements to bank clients should stress the “fun” aspects of the mobile banking apps to attract them to the use of mobile banking technology. Originality/value This paper investigates the factors influencing bank consumers to adopting mobile banking apps to facilitate their banking services. Nine key factors in the technology adoption area are examined to provide a comprehensive understanding of bank clients’ use of mobile banking apps, which advances the understanding of mobile technology applied in the banking industry in the literature.
3
Chavali, Kavita, and Ajith Kumar. "Adoption of Mobile Banking and Perceived Risk in GCC." Banks and Bank Systems 13, no. 1 (February 15, 2018): 72–79. http://dx.doi.org/10.21511/bbs.13(1).2018.07.
Full textAbstract:
The study deals with the adoption of mobile banking services by respondents in UAE and the perception of risk factors by them. A model was developed on the Customer Adoption Process of mobile banking. The model is validated based on the data collected using the questionnaire from a sample of 90 respondents in UAE. Factor analysis is used to evaluate and analyze the responses. Belief in technology and the value it creates are the major driving force for respondents to adopt mobile banking. Respondents perceive that mobile banking helps in proper financial planning due to continuous monitoring the transactions and time saving. Lack of privacy in the mobile banking transactions and not all banks offering mobile banking services in UAE are the major challenges perceived by the respondents for non-adoption of mobile banking. Respondents identify time risk, financial risk and performance risk as the most predominant risk factors compared to other risks in the adoption process.
4
Changchit, Chuleeporn, Ravi Lonkani, and Jomjai Sampet. "Determinants of Mobile Banking Adoption." Journal of Global Information Management 26, no. 4 (October 2018): 158–84. http://dx.doi.org/10.4018/jgim.2018100109.
Full textAbstract:
With a rapid increase in smart phone users, mobile banking is becoming an available banking channel that allows consumers to perform banking transactions at their own convenience. However, not all customers are ready to embrace this new channel of services. It is crucial for banks to fully understand the preferences of their customers, especially which factors play an important role in encouraging or discouraging customers from using this banking channel. It is also important to further investigate whether their customers' perceptions on mobile banking is influenced by culture. This article aims at comparing the mobile banking perceptions between the consumers in the U.S. and in Thailand. The research findings reveal the various factors that influence mobile banking adoption for these two nationalities. The results should help banks gain an understanding of these factors, and thus direct their efforts to develop features that satisfy the needs of their target customers and alter their business model to promote factors that have a positive influence on mobile banking adoption.
5
Moser, Florian. "Mobile Banking." International Journal of Bank Marketing 33, no. 2 (April 7, 2015): 162–77. http://dx.doi.org/10.1108/ijbm-08-2013-0082.
Full textAbstract:
Purpose – Though Mobile Banking has raised high expectations in research and practice, it neither experienced broad adoption nor allows it banks to realize additional earnings yet. By analyzing the discourse in form of publications in research and practice as a proxy for the subsequent actual adoption, the purpose of this paper is to examine whether Mobile Banking is just a fashionable concept and whether academics or practitioners are leading the debate on Mobile Banking. Design/methodology/approach – On the basis of academic and practical Mobile Banking publications from the last 13 years, discourse analysis was applied to examine patterns in the Mobile Banking literature and thus debate in research and practice. Previous patterns have been extended to examine whether the Mobile Banking discourse has fashionable aspects indicating a transient hype or whether it indicates long-term institutionalization. By differentiating between academic and practical publications, the different roles have been analyzed. Findings – Mobile Banking discourse shows a positive trend indicating a broader adoption in nearer future which should encourage both researchers and practitioners to stay involved in the topic. Temporary developments and the emergence of technological innovations (e.g. Universal Mobile Telecommunications System, iPhone) created a fashionable hype around Mobile Banking showing that the acceptance is probably linked to developments like convenience, usefulness or availability. New phenomenon like social networks thus should be integrated in future considerations regarding Mobile Banking. Originality/value – First study about the fashionable aspect in Mobile Banking literature discourse. Combination of conceptual work, literature review and methodological approach in form of regression and pattern analysis. Applies the method of a former work and extends the methodology by the characteristics of fashionable innovations.
6
Giovanis, Apostolos, Pinelopi Athanasopoulou, Costas Assimakopoulos, and Christos Sarmaniotis. "Adoption of mobile banking services." International Journal of Bank Marketing 37, no. 5 (July 1, 2019): 1165–89. http://dx.doi.org/10.1108/ijbm-08-2018-0200.
Full textAbstract:
PurposeThe purpose of this paper is to investigate which of four well-established theoretical models (i.e. technology acceptance model, theory of planned behavior, unified theory of acceptance and use of technology, decomposed theory of planned behavior (DTPB)) best explains potential users’ behavioral intentions to adopt mobile banking (MB) services.Design/methodology/approachDrawing on data from 931 potential users in Greece, the structural equation modeling method was used to examine and compare the four models in goodness-of-fit, explanatory power and statistical significance of path coefficients.FindingsResults indicate that the best model is an extension of the DTPB with perceived risk (PR). Customers’ attitude, determined by three rationally-evaluated MB attributes (usefulness, easiness and compatibility), is the main driver of consumers’ intentions to adopt MB services. Additionally, consumers’ perceptions of availability of knowledge, resources and opportunities necessary for using the service, and the pressure of interpersonal and external social contexts toward the use of MB are the other two, less important, adoption drivers. Finally, PR negatively affects attitude formation and inhibits willingness to use MB services.Practical implicationsFindings can help marketers of financial institutions to select the more parsimonious model to develop appropriate marketing strategies to increase adoption rates of MB services.Originality/valueThis is the first study that compares the performance of four well-known innovation adoption models to explain consumers’ behavior in the MB context.
7
Bankole, Felix O., Omolola O. Bankole, and Irwin Brown. "Mobile Banking Adoption in Nigeria." Electronic Journal of Information Systems in Developing Countries 47, no. 1 (July 2011): 1–23. http://dx.doi.org/10.1002/j.1681-4835.2011.tb00330.x.
Full text
8
Habibur Rahman, Md, Md Al-Amin, and Nusrat Sharmin Lipy. "An Investigation on The Intention to Adopt Mobile Banking on Security Perspective in Bangladesh." Risk and Financial Management 2, no. 2 (December 15, 2020): p47. http://dx.doi.org/10.30560/rfm.v2n2p47.
Full textAbstract:
This research examines the information security of adopting mobile banking and suggests maximizing information security in mobile banking in different ways. Security issues pose a threat to mobile banking adoption and diffusion. Therefore, reliable security measures and improved trust improvement are suggested to address information security in adopting mobile banking for financial services. A questionnaire survey is conducted with users of mobile banking technology. Random sampling is adopted in the study. 650 questionnaires were sent to respondents, and 303 responses were recorded. A confirmatory factor analysis with varimax rotation was conducted following correlation and multiple regression analysis to test the hypothesis of the study. The research finds that (1) perceived security and trust affect mobile banking self-efficacy and performance (SEP) of adopting mobile banking for financial services; (2) Reliable security measure and perceive trust improvement positively influence (SEP) of adopting mobile banking for financial services. This study shows the significance of user perceptions of security by inspecting the content of the security rules of mobile banking for clients’ levels. It includes the adoption of technology in financial services. Therefore, the study links the technology acceptance model (TAM) with the literature on perceived security and trust of adopting mobile banking for financial services. The research has applied to the banking industry to develop and expand its banking market by developing reliable security measures and improving the perceived trust of customers to conduct banking transactions using mobile banking technology.
9
Suhartanto, Dwi, David Dean, Tuan Ahmad Tuan Ismail, and Ratna Sundari. "Mobile banking adoption in Islamic banks." Journal of Islamic Marketing 11, no. 6 (September 23, 2019): 1405–18. http://dx.doi.org/10.1108/jima-05-2019-0096.
Full textAbstract:
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.
10
Audini, Irni, and Idrianita Anis. "ANALISIS PENGARUH PERCEIVED RISK, SOCIAL NORMS, USEFULNESS, DAN TRUST TERHADAP ADOPSI MOBILE BANKING DAN INTERNET BANKING." INDONESIAN JOURNAL OF ACCOUNTING AND GOVERNANCE 1, no. 1 (December 10, 2019): 1–27. http://dx.doi.org/10.36766/ijag.v1i1.1.
Full textAbstract:
The purpose of this study was to determine the influence of perceived risk, social norms, usefulness and trust towards the adoption of mobile banking and internet banking in Indonesia. Independent variables in this study were perceived risk, social norms, usefulness and trust. Dependent variables used were the adoption of mobile banking and internet banking. The control variables of this study were gender, age, education, profession and understanding of technology.The research used questionnaire for data collection. The respondents were active users of mobile banking services banking and internet banking. The sampling technique used was purposive sampling. This study uses regression analysis. The analytical tool used to test the hypothesis is SPSS 20.These results indicate that not all independent variables showed significant effects on the dependent variable. Perceived risk has a negative influence on the adoption of mobile banking and internet banking. Social norms and trust have a positive influence on the adoption of mobile banking and internet banking. Usefulness has no influence on the adoption of mobile banking and internet banking. The control variables of age proved to be a positive influence on the adoption of mobile banking and internet banking. However, other variables, namely gender, education, profession and understanding of the technology do not affect the adoption of mobile banking and internet banking.
11
Asha Rani and Kiran Mehta. "A Study on Development of Dual Phase Mobile Banking Adoption Model." Journal of Technology Management for Growing Economies 9, no. 2 (October 24, 2018): 171–97. http://dx.doi.org/10.15415/jtmge.2018.92004.
Full textAbstract:
The paper focused on development of mobile banking adoption model depicting two phases of mobile banking adoption vis-à-vis reducing the resistance to adopt mobile banking and inducing the adoption of mobile banking. The paper has used integrated Technology Acceptance Model (TAM) as proposed by Gu et al. (2009), along with two other factors namely Trust and Relative Advantage to study mobile banking adoption behaviour and Resistance Model as proposed by Laukkanen & Kiviniemi (2010) adding relative disadvantage (negative relative advantage) as one more factor, to study the mobile banking resistance behaviour. The data has been collected using online as well as offline questionnaire from 633 respondents in India. The model of dual phase mobile banking adoption will raise an opportunity for increased use of mobile banking in India.
12
Burucuoglu, Murat, and Evrim Erdogan. "An Empirical Examination of the Relation between Consumption Values, Mobil Trust and Mobile Banking Adoption." International Business Research 9, no. 12 (November 23, 2016): 131. http://dx.doi.org/10.5539/ibr.v9n12p131.
Full textAbstract:
<p>The purpose of this study is to examine the relations among consumption values of the consumers relevant to mobile banking services, adoption to mobile banking and mobile trust. For this purpose, we propose a structural model which demonstrates the relations between consumption values, mobile banking adoption and mobile trust of consumers. The data had been collected through survey applied on individuals who are using mobile banking services in Turkey. It had been reached to 175 participants in total. The obtained data had been analyzed by partial least squares path analysis (PLS-SEM) which is known as second generation structural equation modeling. As the result of the research, it had been concluded that the conditional value, emotional value and epistemic value –from among consumption values- have positive and statistically meaningful effect on adoption to mobile banking, and that the social value has negative and statistically meaningful effect. It is being observed that there is positive and statistically meaningful relation in between trust relevant to mobile banking and conditional value, emotional value and functional value. And there are positive and statistically meaningful relations on trust relevant to mobile banking and adoption to mobile banking.</p>
13
Ratten, Vanessa. "Mobile Banking Innovations and Entrepreneurial Adoption Decisions." International Journal of E-Entrepreneurship and Innovation 2, no. 2 (April 2011): 27–38. http://dx.doi.org/10.4018/jeei.2011040103.
Full textAbstract:
This paper examines an individual’s entrepreneurial adoption decisions to use mobile banking for both business and social reasons. A conceptual model based on social cognitive theory is developed to explain an individual’s propensity to adopt mobile banking. The theoretical framework examines how advertising, experience, perceived risk, learning inclination, and entrepreneurial proclivity influence a person’s intention to use mobile banking. This paper stresses the role of financial risk in determining a person’s intention to use mobile banking and whether their entrepreneurial nature is influenced by their experience and advertising they are subjected to about the advantages or disadvantages of mobile banking. This paper ties together research on technological innovation with entrepreneurship and learning studies. The author stresses the importance for financial institutions to market the innovativeness of mobile banking whilst addressing security concerns. The impact of a person’s social environment through personal contacts and acquaintances underpins social cognitive theory and helps to understand the motives for a person adopting mobile banking. The paper integrates mobile banking literature with current thinking on the importance of entrepreneurship and learning influences to how a person adopts a technological innovation.
14
Hidayat-ur-Rehman, Imdadullah. "Mobile Banking Adoption in Saudi Arabia." Asian Journal of Research in Banking and Finance 4, no. 10 (2014): 300. http://dx.doi.org/10.5958/2249-7323.2014.01429.1.
Full text
15
Shaikh, Aijaz A., and Heikki Karjaluoto. "Mobile banking adoption: A literature review." Telematics and Informatics 32, no. 1 (February 2015): 129–42. http://dx.doi.org/10.1016/j.tele.2014.05.003.
Full text
16
Ntseme, Onneile Juliet, Alicia Nametsagang, and Joshua Ebere Chukwuere. "Risks and benefits from using mobile banking in an emerging country." Risk Governance and Control: Financial Markets and Institutions 6, no. 4 (2016): 355–63. http://dx.doi.org/10.22495/rgcv6i4c2art13.
Full textAbstract:
An emerging countries banking service providers are eager to implement new technologies and services in order to grasp, penetrate the market and gain competitive advantage. The banks made use of technology by introducing new products such as mobile banking, but customers are not really adopting this new banking model provided as a result some challenges. Then, the overall objective of this study is to explore the risks and benefits on acceptance and usage of mobile banking by users in emerging countries. Also, to identify whether the independent variables are statistically significant factors in the adoption of mobile banking. The research established the effect of independent variables, which include perceived usefulness, and perceived ease use on dependent variables, i.e. the adoption of mobile banking. In the findings it was found that participants would use mobile banking if it is easy to use because then it will be useful to them. Conclusions were made that perceived ease of use of mobile banking positively affect perceived usefulness of mobile banking, perceived ease of use of mobile banking positively affect the behavioral intention to use mobile banking while perceived usefulness of mobile banking has a positive impact on the behavioral intention to use mobile banking.
17
Becker, Michel, Oscar Stolper, and Andreas Walter. "What Drives Mobile Banking Adoption? – An Empirical Investigation Using Transaction Data." Zeitschrift für Bankrecht und Bankwirtschaft 34, no. 1 (February 15, 2022): 1–11. http://dx.doi.org/10.15375/zbb-2022-0103.
Full textAbstract:
Abstract This paper examines drivers of mobile banking adoption by analyzing large-scale transaction data of retail banking clients. We find that the overall demand for financial services is associated with faster mobile banking adoption. Moreover, customers who already use online banking services and show digital skills in their payment behavior, tend to adopt mobile banking faster. Also, adoption rates are higher among the young. Finally, the well-documented gender gap in mobile banking adoption appears to have vanished in recent years: towards the end of our period under review, men and women adopt mobile banking equally. Our results contribute to the literature by addressing novel research questions regarding the fastest growing banking channel. Moreover, our findings carry important managerial implications as they help bank managers in the customer segmentation process and the promotion of mobile banking services.
18
Et.al, Jude N. Owuamanam. "An Enhanced Model For E-Service Quality of Mobile Banking." Turkish Journal of Computer and Mathematics Education (TURCOMAT) 12, no. 3 (April 10, 2021): 2094–99. http://dx.doi.org/10.17762/turcomat.v12i3.1150.
Full textAbstract:
The increasing growth in mobile device users and the rapid drop in conventional and mobile data charges have given way for a provision of banking services and mobile banking to be precise. Banks are now extending their services from traditional means of banking to a self-service system. Recently, mobile banking has been growing exponentially, but there is still a lack of confidence by the users because of low e-service quality of mobile banking. Researchers have done many works on mobile banking but were focused more on adoption and user intentions which contributes to the marketing and promotion of mobile banking. Mobile banking has some specific characteristic which makes it different from other web-based e-services. So the previous studies lack specific in-depth mobile banking e-service quality, such as failure to define the e-service quality of mobile banking and identification of mobile banking dimensions. This study identified mobile banking's dimensions and attributes that received less attention and suggested an improved model for mobile banking's electronic service quality.
19
Priya, Richa, Aradhana Vikas Gandhi, and Ateeque Shaikh. "Mobile banking adoption in an emerging economy." Benchmarking: An International Journal 25, no. 2 (March 5, 2018): 743–62. http://dx.doi.org/10.1108/bij-01-2016-0009.
Full textAbstract:
Purpose The purpose of this paper is to analyze the factors affecting mobile banking adoption among young Indian consumers. Design/methodology/approach The authors use a cross-sectional survey research design to empirically examine the factors affecting mobile banking adoption among young Indian consumers. The study sample consists of 269 respondents aged between 23 and 30 years from India. Findings The findings of the study suggest that perceived usefulness (PU), perceived ease of use (PEU), perceived credibility (PC) and structural assurance (SA) are strong determinants of user satisfaction (US) and behavioral intention (BI) to use the mobile banking service. US was found to partially mediate the relationship between PU, PEU, PC and SA and BI to use the service. Perceived risk was found to be statistically insignificant in terms of its relationship with BI to use the service. Research limitations/implications The results of this study provide good evidence for banks to further revamp their work practices in the area of mobile banking to enhance the overall penetration of mobile banking in India. Originality/value The study identifies factors influencing mobile banking adoption among young Indian consumers. Furthermore, this study suggests that US partially mediates the relationship between factor influencing mobile banking adoption and BI.
20
Glavee-Geo, Richard, Aijaz Ahmed Shaikh, and Heikki Karjaluoto. "Mobile banking services adoption in Pakistan: are there gender differences?" International Journal of Bank Marketing 35, no. 7 (October 2, 2017): 1090–114. http://dx.doi.org/10.1108/ijbm-09-2015-0142.
Full textAbstract:
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.
21
Parakh, Santosh, Prakash Ukhalkar, and Leena Sanu. "Digital Wallet and Mobile Banking Adoption Among Rural Bank Customer." International Research Journal of Business Studies 13, no. 3 (December 20, 2020): 215–26. http://dx.doi.org/10.21632/irjbs.13.3.215-226.
Full textAbstract:
This study provides a rural viewpoint to the global research and literature on adoption of digital wallet and mobile banking among rural customer. It empirically examines the most influencing factors that stimulating to digital wallet and mobile banking user for service adoption. Primary and secondary data sources are used. A sample of 300 customers was surveyed from the rural areas of Maharashtra state, INDIA. A Simple Random Sampling method is used for selections of area from Maharashtra state and Chi-square testing was used in stated hypothesis. The study concludes that Security-Privacy, Trust and Familiarity has significant impact on Mobile banking adoption. And qualitative factors such has Prestige, Speed, Trust, Safety & Security, Easiness and Familiarity has major influence on rural customer for the adopting of Digital Wallet and Mobile banking services offered from financial institution.
22
Engwanda, Michel N. "Mobile Banking Adoption in the United States." International Journal of E-Services and Mobile Applications 7, no. 3 (July 2015): 18–30. http://dx.doi.org/10.4018/ijesma.2015070102.
Full textAbstract:
Mobile banking penetration has been relatively low even though smartphones are the most dominant forms of mobile computing in the United States. This quantitative correlational study is focused on how consumers ‘perceptions affect their intention to use mobile banking in the United States. Among U.S. consumers with smartphones, Internet access, and a bank account; 68% used Internet, 33% used telephone-based banking, and only 21% engaged in some type of mobile banking activities in 2011. The web-based survey used in this study was derived from the technology acceptance model extended by the innovation diffusion theory. Data were collected by e-mail from a random sample of 398 people in the United States. The structural equation modeling (SEM) technique was used to analyze data. The results indicated that, perceived compatibility, credibility, and costs were the significant predictors of mobile banking adoption in the United States.
23
Singh, Sindhu, and R. K. Srivastava. "Factors Influencing the Adoption of Mobile Banking in India." International Journal of E-Services and Mobile Applications 6, no. 4 (October 2014): 1–15. http://dx.doi.org/10.4018/ijesma.2014100101.
Full textAbstract:
The advancement of mobile communication and wireless technologies has made a rapid development in the sector of banking services using their mobile phones. A fine system with great potential has the capacity to attract a huge block of customers to opt for banking services through their mobile phones. The dynamism in the present era of technology, where many other channels are available, this mobile banking system stands alone to attract more customers to come in the net of using mobile banking services. This paper meticulously aims to investigate the factors influencing the intention of the customer to use mobile banking. It suggests an integrated model that incorporates the five antecedents namely, perceived ease of use, compatibility, social influence, security, and perceived cost on its influence on customers' decision to use mobile banking. The study results revealed that compatibility, social influence, and security in their order of influence significantly affect the customers' decision to use mobile banking. The theoretical model is empirically validated and explained 62 percent of the variance in intention to use mobile banking. The implications of this study's findings for the future research and practice are described.
24
Rombe, Elimawaty, Zakiyah Zahara, Ira Nuriya Santi, and Marjam Desma Rahadhini. "Exploring e-mobile banking implementation barriers on Indonesian millennial generation consumers." International Journal of Data and Network Science 5, no. 4 (2021): 579–86. http://dx.doi.org/10.5267/j.ijdns.2021.8.010.
Full textAbstract:
The purpose of this study was to determine the effect of value barriers, risk barriers, image barriers, cost barriers and usage barriers on the use of mobile banking in millennial generation customers. This research used a quantitative approach and the sampling technique used is purposive sampling which conducts research on a group of subjects with certain characteristics or is considered closely related to previously known population characteristics. This research was conducted by distributing 140 online questionnaires to mobile banking users and there were 110 questionnaires that were reversed and processed. Sampling methods use snowball sampling. The results indicate that there was a positive but not significant effect between risk barriers and mobile banking adoption intentions. However, there was a negative influence between image barriers and mobile banking adoption intentions. Moreover, there was a positive influence between perceived cost barriers and mobile banking adoption intentions, there was a positive influence between the barriers to use and mobile banking adoption the intention to adopt. Finally, there was a significant influence between value barriers and mobile banking adoption intentions.
25
Mullan, Jennifer, Laura Bradley, and Sharon Loane. "Bank adoption of mobile banking: stakeholder perspective." International Journal of Bank Marketing 35, no. 7 (October 2, 2017): 1154–74. http://dx.doi.org/10.1108/ijbm-09-2015-0145.
Full textAbstract:
Purpose Bank adoption of mobile banking globally remains sporadic. Factors influencing this remain under researched. The purpose of this paper is to explore drivers and barriers of bank adoption of mobile banking from a stakeholder perspective. Design/methodology/approach Using diffusion of innovation (DOI), a mixed method study was conducted. Data were collected using blogging to inform a two-round modified Delphi study. The opinion of 72 members from six stakeholder industries was sought. Findings The results indicate that DOI theory is still applicable within mobile environments in helping to understand the diffusion of mobile banking. Key drivers of bank adoption were global mobile phone penetration, competitive advantage, customer convenience, strategic importance, customer demand, low perceived risk/security concerns and stakeholder partnerships. Findings suggest low levels of customer demand and lack of return on investment (ROI) are key barriers for banks. The findings have strategic implications for industry players highlighting the importance of mobile banking to maintain market share and customer relations. These influences will inform successful mobile banking strategies by raising awareness of major barriers. Originality/value This study concentrates on a bank/stakeholder perspective. It confirms that DOI theory is still applicable within mobile environments. It extends understanding of bank adoption providing useful information for all stakeholders. It has implications for banks regarding multi-channel banking and the motivators and challenges influencing its adoption.
26
Foo-Wah, Lim, A. Fakhrorazi, and Rabiul Islam. "CONSUMERS’ PARSIMONY OF MOBILE INTERNET BANKING USAGE IN MALAYSIA." Humanities & Social Sciences Reviews 7, no. 1 (April 20, 2019): 239–48. http://dx.doi.org/10.18510/hssr.2019.7128.
Full textAbstract:
Purpose of the Study: The objective of this study is to empirically investigate the determinants of the adoption of mobile Internet Banking in Malaysia. However, the slow growth of mobile Internet banking usage as comparison to online Internet Banking increases the concern on the adoption and parsimony issues of mobile Internet banking (MI-Banking) usage in managing personal finances and banking activities.
Methodology: Self-administered survey was applied and analyzed by using V-Base structural equation modeling. The responses of 358 respondents were analyzed by using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) technique.
Results: The findings of this study revealed that perceived ease of use, perceived usefulness, and perceived risk significantly influenced the adoption of mobile internet banking, while perceived ease of use was found to have the greatest influence on the overall adoption of mobile internet banking. At the same token, perceived ease of use was found to have a significant influence on perceived usefulness.
Implications: The application of mobile internet services has increased and mobile phones are becoming significant tools for managing and controlling personal finances and spending. Thus, a study was conducted to seek clarification on the predictors of mobile Internet banking adoption among Malaysians that will embark further and deeper studies in the context of mobile Internet Banking.
27
Chaouali, Walid, and Kamel El Hedhli. "Toward a contagion-based model of mobile banking adoption." International Journal of Bank Marketing 37, no. 1 (February 4, 2019): 69–96. http://dx.doi.org/10.1108/ijbm-05-2017-0096.
Full textAbstract:
Purpose The purpose of this paper is to address the following question: Can a bank capitalize on its well-established self-service technologies (SSTs) in order to entice customers to adopt a newly introduced SST, namely, mobile banking? More specifically, it proposes an integrative model that simultaneously investigates the transference effects of attitudes, trust and the contagious influences of social pressures on mobile banking adoption intentions. Design/methodology/approach Structural equation modeling is applied to data collected from banks’ clients who are actually non-users of mobile banking. Findings The results indicate that attitude toward and trust in mobile banking along with coercive, normative and mimetic pressures are key antecedents to mobile banking adoption intentions. In addition, attitudes toward automated teller machines (ATMs) and online banking significantly predict attitude toward mobile banking. The results also support the effects of trust in ATMs as well as trust in online banking on trust in mobile banking. Moreover, predicted differences in the relative effects of attitude and trust are supported. Particularly, attitude toward online banking has a stronger impact on attitude toward mobile banking compared to the impact of attitude toward ATMs. In the same vein, the effect of trust in online banking on mobile banking is significantly stronger than the effect of trust in ATMs. Practical implications The study’s results hint at some practical and worthwhile guidelines for banks that can be leveraged in communication campaigns aiming at boosting the adoption rates of mobile banking. Banks can take advantage of the transference effects of the established attitudes toward and trusting beliefs in their mature SSTs as well as the contagious social influences in inducing the adoption of a newly introduced SST. Originality/value The present study represents a first step toward generating new insights into the role of the joint effects of attitudes, trust and social influences in the adoption of a new SST.
28
Kumar, Ashish, Sanjay Dhingra, Vikas Batra, and Harish Purohit. "A Framework of Mobile Banking Adoption in India." Journal of Open Innovation: Technology, Market, and Complexity 6, no. 2 (May 22, 2020): 40. http://dx.doi.org/10.3390/joitmc6020040.
Full textAbstract:
Mobile banking is now an important and evolving medium for executing banking transactions. It has a huge potential in a developing country such as India. Our study explores the important antecedents of the mobile banking adoption intention of Indian customers and proposes a comprehensive framework by extending the traditional technology acceptance model (TAM). Along with the two constructs provided by TAM, four customer-oriented constructs have also been measured for this purpose. The conceptual model has been verified empirically, with the data mobilized with the help of a survey from 203 future mobile banking service users. The structural equation modeling (SEM) technique has been undertaken to establish the effect of the antecedents on mobile banking adoption intention. The results demonstrate that, together with the constructs of TAM, viz. perceived usefulness and perceived ease of use, as well as all other relevant behavioral factors, namely subjective norms, personal innovativeness, trust, and self-efficacy have exerted a statistically significant positive effect on the mobile banking adoption intention of customers. The study provides an empirical foundation, which can be useful to banking and mobile services by helping companies to formulate their marketing strategies.
29
Pavithran, Raju, G. Varaprasad, R. Sridharan, and Anandakuttan B. Unnithan. "An Empirical Investigation of Mobile Banking Adoption in Developing Countries." International Journal of Enterprise Information Systems 10, no. 1 (January 2014): 76–93. http://dx.doi.org/10.4018/ijeis.2014010105.
Full textAbstract:
Mobile phone has become an integral part of our lives. The penetration rate of mobile phones in the developing countries has increased abruptly and this is a good sign for the banking sector. Mobile banking is the most recently launched innovative feat in the banking sector. The unique ability of mobile banking to perform banking transactions irrespective of place and time has given a competitive edge over traditional banking. Even though, all circumstances are in favour of mobile banking, it has failed to take off in most of the developing countries. Hence, the main objective of the study is to find out the constructs which affect the adoption of mobile banking in India. A model has been proposed with the factors namely perceived usefulness, perceived ease of use, self-efficacy, perceived risk, perceived enjoyment, relative advantage, compatibility, trust, social influence and personal innovativeness. The proposed model has been tested using various statistical analyses and the findings of this study reveal that relative advantage has the strongest relationship with the intention to use mobile banking.
30
Tarawneh, Momen, Lan Thi Phuong Nguyen, and Yong Fie. "Mobile banking adoption and usage among Generation Y Malaysians." F1000Research 10 (November 18, 2021): 1170. http://dx.doi.org/10.12688/f1000research.73459.1.
Full textAbstract:
Background: By 2018, Malaysian mobile banking services made the third-largest amount of banking transactions, following credit card and Internet banking. In addition, it significantly contributes to the banking industry by providing easier transactions to banking consumers. This study examined factors affecting the intention to use, and the actual use of mobile banking services in Malaysia. Methods: Two main theories of the unified theory of acceptance and use of technology (extended version, UTAUT2), and the model of perceived risk, were used to propose a modified framework. Based on the non-probability sampling method, the data were collected from 504 respondents. The data vas analyzed using SPSS and PLS-SEM to derive the findings. Results: The study's findings revealed that the independent variables could explain 55.3% of the variance in mobile banking use and 60.3% of variance in intention to use variables. Moreover, it demonstrated that common factors that have significantly affected the actual use and intention to use mobile banking were habit, facilitating condition, and interface design quality. In contrast, perceived risk and intention to use were found to only have significant impacts on the use of mobile banking, while effort expectancy was found to only have a significant impact on the intention to use. Conclusions: The findings of this study provide significant new knowledge on mobile banking, from which mobile banking providers and interface designers can develop potential solutions to increase the usage of mobile banking services in Malaysia. However, using a qualitative method, the proposed model could only explain 55% of actual use and 60% of intentional use. Thus, additional variables and qualitative techniques may help increase the understanding on the actual use and intention to use.
31
Chakiso, Cherinet Boke. "Factors affecting Attitudes towards Adoption of Mobile Banking: Users and Non-Users Perspectives." EMAJ: Emerging Markets Journal 9, no. 1 (August 5, 2019): 54–62. http://dx.doi.org/10.5195/emaj.2019.167.
Full textAbstract:
The advent and dispersal of technology is an interesting area of study since its success is dependent on the attitude for the adoption of it by customers. Extant literature indicates that mobile banking is the least adopted type of electronic banking when compared to other types of banking like Automated Teller Machine (ATM), despite its being the cheapest and quickest mode of communication. This study empirically examines and tests factors affecting users and non-users’ attitude towards the adoption of mobile banking. Data were collected from 256 participants both from users and non-users of mobile banking. Collected data were analyzed using chi-square, ANOVA, and correlation analysis. Findings indicate that trust, perceived ease of use, relative advantage, and compatibility have strong correlations with both users and non-users’ adoption towards mobile banking. However, perceived risk is found to have no significant relationship with users and non-users’ attitude towards the adoption of mobile banking. Moreover, it is found that there is a difference between users and non-users’ attitude towards the adoption of mobile banking. Furthermore, managerial implications, limitations of the study and future research directions were discussed.
32
Mbengo, Pinigas, and Maxwell A. Phiri. "Mobile banking adoption: a rural Zimbabwean marketing perspective." Corporate Ownership and Control 13, no. 1 (2015): 195–204. http://dx.doi.org/10.22495/cocv13i1c1p6.
Full textAbstract:
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.
33
Mujahed, Hamed M. H., Elsadig Musa Ahmed, and Siti Aida Samikon. "Mobile Banking Adoption in Organization: Review of Empirical Literature." Volume 5 - 2020, Issue 9 - September 5, no. 9 (September 22, 2020): 405–10. http://dx.doi.org/10.38124/ijisrt20sep288.
Full textAbstract:
This study reviews literature on mobile banking adoption in organizations to identify its influential factors and its operationalization in prior literature. We classify the factors that influence mobile banking adoption using the three contexts suggested by the Technology, Organization and Environment (TOE) framework, namely, technology, organization, and environment. The finding suggests that the influences of these factors vary across studies and most of the studies have operationalized mobile banking adoption using intention to adopt mobile banking or binary variable, rather than the actual use of the technology.
34
Aldiabat, Khaled, Anwar Al-Gasaymeh, and Ameer Sardar K.Rashid. "The Effect of Mobile Banking Application on Customer Interaction in the Jordanian Banking Industry." International Journal of Interactive Mobile Technologies (iJIM) 13, no. 02 (February 22, 2019): 37. http://dx.doi.org/10.3991/ijim.v13i02.9262.
Full textAbstract:
<strong>Banks have changed from paper-based banking solutions provider to the latest of the technologies like mobile banking. Adoption of mobile-banking has received more attention in recent years, because there are more phones than computers in the market. But, like in any emerging technology, there exist barriers to the adoption of mobile banking services. This study will attempt to technically address these largely unfounded factors while helping to lay a roadmap for proper implementation of mobile banking technology in the Jordanian banking industry. The study found that Supportive Access factor of mobile banking is associated with the user satisfaction related to mobile banking. </strong>
35
Gharaibeh, Malik Khlaif, Muhammad Rafie Arshad, and Natheer K. Gharaibeh. "Using the UTAUT2 Model to Determine Factors Affecting Adoption of Mobile Banking Services: A Qualitative Approach." International Journal of Interactive Mobile Technologies (iJIM) 12, no. 4 (August 30, 2018): 123. http://dx.doi.org/10.3991/ijim.v12i4.8525.
Full textAbstract:
<p class="0abstract">The main purpose of this study is to investigate the determinants that affect the adoption of mobile banking services in Jordan. The current study extends the Unified Theory of Acceptance and Use of Technolgy2 (UTAUT2) by adding two important factors, mass media and trust utilizing by seven respondents based on qualitative approach, this study shows that the adoption of mobile banking is positively and significantly influenced by the mass media, trust, effort expectancy, performance expectancy, facilitating conditions, and social influence. In contrast, hedonic motivation seems to be insignificantly related to adoption of mobile banking services. There are numerous variables affect the of adoption mobile banking. While most previous studies address the relationship between these factors and the attitudes toward mobile banking services by using the quantitative approaches, this study adopts qualitative approach (focus group method) to provide further insight into the main factors which affect adoption of mobile banking. Furthermore, the current study extends the original UTAUT2 by testing the impact of two new variables. This is considered the important contribution in the paper.</p>
36
Izni, Nor Aziyatul, Nur Aqilah Zainordin, Lu She Chuen, Winsent Ng Yik Onn, and Nursyamilah Annuar. "Factors Influencing the Adoption of E-banking Services in Klang Valley." Jurnal Intelek 17, no. 1 (January 30, 2022): 217. http://dx.doi.org/10.24191/ji.v17i1.16101.
Full textAbstract:
The growth of the Internet and the usage of electronic devices such as computers and mobile phones, have increased e-banking services usage, especially online and mobile bankings. This is a great opportunity to identify and understand which factors would significantly affect the user’s intention to use e-banking services and to give the determining factors of e-banking services in the aspect of the users. This could help banking-related companies to improve their services and products. Quantitative analysis was used in this paper to measure the relationships between e-banking services and user’s intention. In the data collection process, questionnaire was distributed to 390 Malaysians, aged 18 and above, who stay in Klang valley. Statistical Package for Social Science (SPSS) software will be used to analyse the collected data based on Pearson’ correlation coefficient and multiple regression analysis to determine the result.
37
Nhat Vuong, Bui, Vo Thi Hieu, and Ngo Thi Thuy Trang. "An empirical analysis of mobile banking adoption in Vietnam." Gestão e Sociedade 14, no. 37 (December 20, 2019): 3365–93. http://dx.doi.org/10.21171/ges.v14i37.3078.
Full textAbstract:
Mobile phones with banking technology are becoming more readily available in Vietnam. Similarly, many financial institutions and mobile phone service providers are teaming up to provide several banking services to customers via the mobile phone. However, the number of people who choose to adopt or use such technologies is still relatively low. Therefore, there is a need to assess the acceptance of such technologies to establish factors that hinder or promote customer’s intention to use mobile banking. Survey data collected from 452 consumers in was analyzed to provide evidence. Results from the partial least squares structural equation modeling (PLS-SEM) using the SmartPLS 3.0 program indicated that perceived easy to use, perceived credibility, usefulness, attitude, perceived behavioral control and subjective norm are significant with respect to the customer’s intention to use mobile banking services. The results of the data analysis contribute to the body of knowledge by demonstrating that the above factors are critical in intention to use mobile banking in a developing country context. The finding of this study can also help marketers in the banking sector offer more suitable marketing strategies in their field in order to make higher attractiveness with mobile banking services
38
Agyei, James, Shaorong Sun, Eugene Abrokwah, Emmanuel Kofi Penney, and Richmond Ofori-Boafo. "Mobile Banking Adoption: Examining the Role of Personality Traits." SAGE Open 10, no. 2 (April 2020): 215824402093291. http://dx.doi.org/10.1177/2158244020932918.
Full textAbstract:
A number of studies have been conducted on the salient factors that influence consumers’ intention to adopt mobile banking services. However, none of these studies has explored the impact of personality traits on consumers’ intention to adopt mobile banking services. This study investigates the impact of personality traits on users’ intention to adopt mobile banking. Data gathered from 482 mobile banking users in Ghana via a convenience sampling technique using a questionnaire survey were analyzed using structural equation modeling. The results show that agreeableness, conscientiousness, and openness to new experience significantly impact users’ intention to adopt mobile banking through perceptions of usefulness and ease of use, with agreeableness showing the strongest total effect, followed by conscientiousness. The results also reveal that perceived usefulness and perceived ease of use are salient predictors of users’ intention to adopt mobile banking. The study underscores the need for service providers to focus on designing effective marketing strategies that recognize different user personality traits so as to improve adoption.
39
Singh, Sindhu, and R. K. Srivastava. "Predicting the intention to use mobile banking in India." International Journal of Bank Marketing 36, no. 2 (April 3, 2018): 357–78. http://dx.doi.org/10.1108/ijbm-12-2016-0186.
Full textAbstract:
Purpose The purpose of this paper is to identify factors influencing the adoption of mobile banking in India and develop and empirically validate a model explaining the behavioural intention to use mobile banking in the Indian banking sector. Design/methodology/approach In this study, a model is developed and proposed to explain customers’ intention to use mobile banking. The model comprises six constructs, namely, perceived ease of use, computer self-efficacy, social influence, perceived financial cost, security, and trust. The model also describes the relationship between perceived ease of use and computer self-efficacy, as well as that between security and trust. The proposed model was tested by using a survey method, with a sample of 855 bank customers from public, private, foreign, and cooperative banks in India. Structural equation modelling analysis was performed with AMOS 16.0. Findings The proposed theoretical model was found to predict, with statistical significance, the intention to use mobile banking, explaining 76.9 per cent of the variance in the dependent variable. The results found that security, computer self-efficacy, perceived ease of use, and perceived financial cost, in that order of influence, affect customers’ intention to adopt mobile banking. Practical implications The results obtained will help both academic researchers and practitioners explain, understand, and elucidate the status of mobile banking in India, as well as helping them formulate strategies to expedite the use of mobile banking. Originality/value The adoption of mobile banking in India is in a nascent stage compared with developed countries such as the USA, the UK, and Finland, but it is expected to increase or surpass the rate of adoption of internet banking in those countries. Further, only limited research to date has examined the adoption of mobile banking in India, especially the drivers and inhibitors of mobile banking adoption.
40
Kazi, Abdul Kabeer, and Mohammad Adeel Mannan. "Factors affecting adoption of mobile banking in Pakistan." International Journal of Research in Business and Social Science (2147-4478) 2, no. 3 (July 3, 2013): 54–61. http://dx.doi.org/10.20525/ijrbs.v2i3.73.
Full textAbstract:
In this research paper we investigated the determinants likely to influence the adoption of mobile banking services, with a special focus on under banked/unbanked low-income population of Pakistan. The adoption of mobile banking services has been a strategic goal, both for banks and telcos. For this purpose, Technology Acceptance Model (TAM) was used, with additional determinants of perceived risk and social influence. Data was collected by surveying 372 respondents from the two largest cities (Karachi and Hyderabad) of the province Sindh, in Pakistan using judgement sampling method. This study empirically concluded that consumers’ intention to adopt mobile banking services was significantly influenced by social influence, perceived risk, perceived usefulness, and perceived ease of use. The most significant positive impact was of social influence on consumers’ intention to adopt mobile banking services. The paper concluded with discussion on results, and several business implications for the banking industry of Pakistan.
41
Hanafizadeh, Payam, Mehdi Behboudi, Amir Abedini Koshksaray, and Marziyeh Jalilvand Shirkhani Tabar. "Mobile-banking adoption by Iranian bank clients." Telematics and Informatics 31, no. 1 (February 2014): 62–78. http://dx.doi.org/10.1016/j.tele.2012.11.001.
Full text
42
Alalwan, Ali Abdallah, Yogesh K. Dwivedi, Nripendra P. P. Rana, and Michael D. Williams. "Consumer adoption of mobile banking in Jordan." Journal of Enterprise Information Management 29, no. 1 (February 8, 2016): 118–39. http://dx.doi.org/10.1108/jeim-04-2015-0035.
Full textAbstract:
Purpose – The purpose of this paper is to propose and examine a conceptual model that best explains the key factors influencing Jordanian customers ' intention to adopt mobile banking (MB). Design/methodology/approach – The proposed conceptual model was based on the Technology Acceptance Model (TAM). This was extended by adding perceived risk and self-efficacy as an external factors. Structural equation modelling (SEM) was conducted to analyse the data collected from the field survey questionnaires administered to a convenience sample of Jordanian banking customers. Findings – The results showed that behavioural intention is significantly influenced by perceived usefulness, perceived ease of use, and perceived risk. Research limitations/implications – Practical and theoretical implications for both Jordanian banks and researchers in the MB context are also discussed in the concluding section. Originality/value – MB-related issues are yet to be examined empirically in the Jordanian context. This submission has attempted to fill this gap by empirically examining some of the important factors influencing the adoption of MB from the Jordanian customers’ perspective.
43
Yang, Ann Shawing. "Exploring adoption difficulties in mobile banking services." Canadian Journal of Administrative Sciences / Revue Canadienne des Sciences de l'Administration 26, no. 2 (June 2009): 136–49. http://dx.doi.org/10.1002/cjas.102.
Full text
44
Changchit, Chuleeporn, Ravi Lonkani, and Jomjai Sampet. "Mobile banking: Exploring determinants of its adoption." Journal of Organizational Computing and Electronic Commerce 27, no. 3 (May 19, 2017): 239–61. http://dx.doi.org/10.1080/10919392.2017.1332145.
Full text
45
Akturan, Ulun, and Nuray Tezcan. "Mobile banking adoption of the youth market." Marketing Intelligence & Planning 30, no. 4 (June 15, 2012): 444–59. http://dx.doi.org/10.1108/02634501211231928.
Full text
46
Shankar, Amit, and Bikramjit Rishi. "Convenience matter in mobile banking adoption intention?" Australasian Marketing Journal (AMJ) 28, no. 4 (November 2020): 273–85. http://dx.doi.org/10.1016/j.ausmj.2020.06.008.
Full text
47
Mohd Thas Thaker, Mohamed Asmy Bin, Anwar Bin Allah Pitchay, Hassanudin Bin Mohd Thas Thaker, and Md Fouad Bin Amin. "Factors influencing consumers’ adoption of Islamic mobile banking services in Malaysia." Journal of Islamic Marketing 10, no. 4 (November 11, 2019): 1037–56. http://dx.doi.org/10.1108/jima-04-2018-0065.
Full textAbstract:
Purpose This paper aims to test the factors that can influence the adoption of Islamic mobile banking services among the current users in Malaysia. Design/methodology/approach A sample of 250 current users of Islamic mobile banking services provided opinions about their intention to adopt Islamic mobile banking services. Later, the data are analysed using partial least squares approach. Findings Perceived usefulness and risk are the factors that influence the intention to adopt Islamic mobile banking services among the existing users. Research limitations/implications There are some limitations of the current study. The sample size and area of study becomes the obvious limitations. Thus, there is a need for caution in the interpretation of the results and the conclusion cannot be as generalised. Besides, the use of current factors might limit the ability to explore other potentially important determinants of the users. Thus, future research can be conducted by incorporating new factors and provide new insights for Islamic mobile banking services. In addition, the sample is biased towards people who are currently using mobile banking services. Practical implications By understanding these factors among the customers, it would help the industry player, particularly Islamic financial institutions to plan and strategise appropriate policies and support necessary programme on diversifying and promoting financial transaction using mobile banking services among their existing and potential customers. Originality/value This paper offers an additional literature on Islamic mobile banking, especially from the Malaysian context. There is a lack of study that focusses on Islamic mobile banking services. The paper is considered to be the first attempt to examine factors that influence Malaysian Islamic banking customers to adopt Islamic mobile banking services, which is not often considered in previous studies.
48
Wu, Wen-Tsung, Chie-Bein Chen, and Chiao-Chen Chang. "Applying the Analytic Hierarchy Process Decision Analysis to Better Understand Adoption Intentions of Mobile Banking." Business and Economic Research 6, no. 1 (June 16, 2016): 431. http://dx.doi.org/10.5296/ber.v6i1.9621.
Full textAbstract:
<p class="ber"><span lang="EN-GB">The purpose of this study was to examine the influencing factors of the adoption intention of mobile banking from a bank perspective. The survey data were conducted from a selection of mobile banking, and were analyzed by the analytic hierarchy process (AHP) decision analysis to explore adoption intentions in the context of mobile banking. The results of the AHP decision analysis revealed that the “convenience” and the “personalization” were the most important factors for mobile banking from a bank’s perspective. Furthermore, the research findings illustrated theoretical and practical implications for mobile banking development and indicated how to reinforce the “location-based benefits” and the “transaction speed” in order to create customer adoption intentions via a bank perspective.</span></p>
49
Liza, Farhana Yasmin. "Factors Influencing the Adoption of Mobile Banking: Perspective Bangladesh." Global Disclosure of Economics and Business 3, no. 2 (December 31, 2014): 199–220. http://dx.doi.org/10.18034/gdeb.v3i2.164.
Full textAbstract:
With the convergence of banking services and mobile technologies, users are able to conduct banking services at any place and at any time through mobile banking. This research examines the factors influencing the adoption of mobile banking in Bangladesh, with a special focus on trust, perceived cost and perceived risk including the facets of perceived risks: performance risk, security/privacy risk, time risk, social risk and financial risk. The research model includes the original variables of extended technology acceptance model (TAM2). Data for this study was collected through a structured questionnaire survey in townships around Dhaka. The research has found that customers will consider adopting mobile banking as long as it is perceived to be useful and easy to use. But the most critical factor for the customer is cost; the service should be affordable. Trust was found to be significantly negatively correlated to perceived risk. Thus, trust plays a role in risk mitigation and in enhancing customer loyalty.
50
Ruano-Arcos, Leidi, Augusto Rodríguez-Orejuela, and Miguel Solís-Molina. "Adoption of Mobile Banking by Microentrepreneurs at the Bottom of the Pyramid." Cuadernos de Administración 36, no. 67 (September 4, 2020): 79–92. http://dx.doi.org/10.25100/cdea.v36i67.8744.
Full textAbstract:
The use of mobile phones has increased globally, offering developing countries the opportunity to improve financial inclusion through mobile banking. However, mobile banking has been little adopted by microentrepreneurs at the bottom of the pyramid, and studies that explain this phenomenon is incipient. Therefore, this study aims to establish factors that influence mobile banking adoption by microentrepreneurs, from the Theory of Planned Behavior (TPB), extended to the relative advantage and perceived risk. Using a sample of 101 microentrepreneurs at the bottom of the pyramid, our findings confirmed that attitude, subjective norms, behavior control, and relative advantages positively affect the appropriation of mobile banking. Thus, banks and mobile services providers can focus on these critical factors to increase the mobile banking adoption rate.