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1.
Tiago Oliveira Miguel Faria Manoj Abraham Thomas Aleš Popovič 《International Journal of Information Management》2014
Mobile banking (mBanking) enables customers to carry out their banking tasks via mobile devices. We advance the extant body of knowledge about mBanking adoption by proposing a model for understanding the importance and relationship between the user perception of mBanking, initial trust in mBanking services, and the fit between the technology and mBanking task characteristics. We synergistically combine the strengths of three IS theories – task technology fit (TTF) model, unified theory of acceptance and usage of technology (UTAUT), and initial trust model (ITM). The model was tested in a study conducted in Portugal, one of the European Union (EU) countries with the highest mobile phone adoption. Based on the sample of 194 individuals we applied partial least squares (PLS) to test the conceptual model propose. The path significance levels were estimated using the bootstrapping method (500 resamples). The study found that facilitating conditions and behavioral intentions directly influence mBanking adoption. Initial trust, performance expectancy, technology characteristics, and task technology fit have total effect on behavioral intention. The paper offers valuable insights to decision-makers involved in the implementation and deployment of mBanking services. For researchers, the paper highlights the usefulness of integrating TTF, UTAUT and ITM in the development of a decision support framework to study the adoption of new technologies. 相似文献
2.
Understanding the main determinants of Internet banking adoption is important for banks and users; our understanding of the role of users’ perceived risk in Internet banking adoption is limited. In response, we develop a conceptual model that combines unified theory of acceptance and use of technology (UTAUT) with perceived risk to explain behaviour intention and usage behaviour of Internet banking. To test the conceptual model we collected data from Portugal (249 valid cases). Our results support some relationships of UTAUT, such as performance expectancy, effort expectancy, and social influence, and also the role of risk as a stronger predictor of intention. To explain usage behaviour of Internet banking the most important factor is behavioural intention to use Internet banking. 相似文献
3.
Mobile payments are the future as we move towards a cashless society. In some markets, cash is already being replaced by digital transactions, but consumers of many developing countries are slower in transition towards digital payments. This study aims to identify major determinants of consumer mobile payment adoption in India the country with second largest mobile subscribers in the world. Existing mobile payments adoption studies have predominantly utilised Technology Acceptance Model (TAM), which was primarily developed in organisational context and criticised for having deterministic approach without much consideration for users’ individual characteristics. Therefore, this study adapted meta-UTAUT model with individual difference variable attitude as core construct and extended the model with consumer related constructs such as personal innovativeness, anxiety, trust, and grievance redressal. Empirical examination of the model among 491 Indian consumers revealed performance expectancy, intention to use, and grievance redressal as significant positive predictor of consumer use behaviour towards mobile payment. Moreover, intention to use was significantly influenced by attitude, social influence, and facilitating conditions. The major contribution of this study includes re-affirming the central role of attitude in consumer adoption studies and examining usage behaviour in contrast to most existing studies, which examine only behavioural intention. 相似文献
4.
Mobile banking is one of the most promising technologies that has emerged in recent years and could prove to have considerable value to both banks and customers. Thus, this study recognises the need to test the main factors that could predict the use of mobile banking as well as how using such a system could contribute to both customer satisfaction and customer loyalty. The conceptual model of this study combines two models (i.e. UTAUT2 and the D&M IS Success Model). A questionnaire survey was conducted to collect the required data from convenience sampling of Saudi bank customers. The main factors – performance expectancy, price value, facilitating conditions, hedonic motivation, habit, system quality and service quality – were found to have a significant impact on actual use behaviour. This study was cross-sectional, therefore future studies should implement longitudinal studies in order to re-collect the findings. Further, this study adopted convenience sampling of Saudi M-Banking users. This may adversely impact the issue of generalisability to the whole population. The gap in the M-Banking literature in Saudi Arabia would be bridged by proposing a comprehensive conceptual model that scrupulously clarifies the use of M-Banking from the perspective of Saudi users. Furthermore, this study would consider the adoption of numeric data in order to inferentially analyse them using SEM. This in turn would assist in generalising the findings to the whole Saudi population. 相似文献
5.
An empirical investigation of mobile banking adoption: The effect of innovation attributes and knowledge-based trust 总被引：5，自引：0，他引：5
Hsiu-Fen Lin Author Vitae 《International Journal of Information Management》2011,31(3):252-260
Rapid advances in mobile technologies and devices have made mobile banking increasingly important in mobile commerce and financial services. Using innovation diffusion theory and knowledge-based trust literature, this study develops a research model to examine the effect of innovation attributes (perceived relative advantage, ease of use and compatibility) and knowledge-based trust (perceived competence, benevolence and integrity) on attitude and behavioral intention about adopting (or continuing to use) mobile banking across potential and repeat customers. Based on a survey of 368 participants (177 for potential customers and 191 for repeat customers), this study uses a structural equation modeling approach to investigate the research model. The results indicate that perceived relative advantage, ease of use, compatibility, competence and integrity significantly influence attitude, which in turn lead to behavioral intention to adopt (or continue-to-use) mobile banking. Additionally, by using multi-group analysis with t-statistics, the results found that the antecedents of attitude toward mobile banking differ between potential and repeat customers. The implications for research and practice and future research directions are discussed. 相似文献
6.
Mobile information services have revolutionized business models and service delivery methods by facilitating consumer access to information and order placement via mobile apps. In developed markets, mobile banking (m-banking) and mobile payment (m-payment) applications have replaced text-based mobile services. However, extant research has not addressed these mobile financial services apps (MFSAs) adequately from the perspective of consumer behavior. Thus, the present study developed and tested a series of hypotheses related to the antecedents of perceived value of MFSA use; it also examined how such use affects the development of customers’ overall relationships with banks. Our hypotheses were tested using two samples (N = 992; N = 524) comprising different types of MFSA end-users in one of the leading countries in digital banking, Finland. The results supported most of the hypotheses and revealed that self-congruence and new product novelty are the principal drivers of perceived MFSA value. In addition, the findings show that the perceived value of MFSAs yields strong positive effects on customers’ overall satisfaction and commitment to their bank. The present study’s key managerial implication is that banks’ investments in developing MFSAs result in improved relationships with customers and increased business. 相似文献
7.
This paper examines empirically the factors that affect the adoption of Internet banking by Tunisian bank customers. As base model, we use the technology acceptance model (TAM) and theory of planned behavior (TPB). The model employs security and privacy, self efficacy, government support, and technology support, in addition to perceived usefulness, perceived ease of use, attitude, social norm, perceived behavior control and intention to use Internet banking. Structural equation modeling is employed to examine the inter-correlations among the proposed constructs. A survey involving a total of 284 respondents is conducted and confirmatory factor analysis was used to determine the measurement efficacies. Theoretically, this study confirms the applicability of the TAM model and TPB in predicting Internet banking adoption by Tunisian bank customers. The results allow banks' decision makers to develop strategies that can encourage the adoption of Internet banking. Banks should improve the security and privacy to protect consumers' personal and financial information, which will increase the trust of users. Government should also play a role to support bank industry by having a clear and solid law on this will ensure that customers are more confident for using Internet banking, ensuring a better Internet infrastructure and helps them to encourage users to use Internet banking. Lastly, Tunisian Banks should focus on those clients who already have a home PC, access Internet and more educated and younger since they are the most likely to adopt Internet banking. 相似文献
8.
基于UTAUT和TTF模型的移动图书馆用户采纳行为研究 总被引：1，自引：0，他引：1
移动图书馆是新的网络环境下为用户提供随时、随地、随需信息服务的应用平台,近年来其呼声热度很高,但仍然面临用户采纳率不理想的局面,为解决此现实问题,分析和挖掘影响移动图书馆用户采纳意愿的因素,解释和预测移动图书馆用户行为是至关重要的。本文在整合UTAUT和TTF模型的基础上,从用户感知和任务/技术的双重视角构建理论模型,采用实证研究方法,利用结果方程模型探究各个因素对移动图书馆用户采纳意愿的影响。数据分析结果表明,绩效期望、个体创新和感知信任对移动图书馆用户采纳意愿有显著正向影响,任务技术匹配通过绩效期望间接影响用户采纳意愿。并在此基础上讨论了本文对移动图书馆发展的理论和实践意义。 相似文献
9.
顾客担心个人隐私信息得不到有效保护是其不愿意使用网络银行的主要原因之一。研究表明,在网站上张贴隐私协议和隐私印章,能提高顾客对网络商家的信任和使用意愿。为此,本文以网络银行为研究背景,以理性行为理论为基础,探究隐私协议、隐私印章对我国网络银行顾客信任及其使用意向的影响作用,并应用结构方程方法进行实证研究。通过对198个有效调查样本的研究结果表明:隐私协议、隐私印章两者既会直接正向影响顾客对网络银行的信任和使用意向,又会通过信任这一中介变量,对顾客的使用意向产生间接正向影响。 相似文献
10.
Mobile food ordering apps (MFOAs) have been widely considered in the restaurant sector as innovative channels to reach customers and provide them with high-quality services. However, there are important questions regarding the impact of implementing MFOAs on customer satisfaction and on customers’ intention to reuse such apps. Several studies have examined the outcomes of using MFOAs from the customer’s perspective. The fundamental purpose of this study is to identify and empirically examine the main factors predicting the e-satisfaction with MFOAs and customers’ intention to reuse such apps in Jordan. This research proposes an integrated model based on the extended Unified Theory of Acceptance and Use of Technology (UTAUT2) and the features of MFOAs: online review, online rating, and online tracking. The data was collected from a convenience sample of Jordanian customers who have used MFOAs. The main results are based on structural equation modelling and support the role of online review, online rating, online tracking, performance expectancy, hedonic motivation, and price value on e-satisfaction and continued intention to reuse. This study provides a theoretical contribution and presents practical implications relevant to academics and practitioners working in areas related to MFOAs. 相似文献
11.
Mobile banking (m-banking) has emerged dynamically over the years due to consumers' increased use of mobile technologies, their ever-growing lifestyle choices and also the several different economic factors. This paper proposes a new research model by extending the DeLone & McLean information systems (D&M IS) success model to understand users’ actual usage of m-banking. The research model was tested and validated using data collected by survey from 227 Omani residents. This study employed a two-staged analytical approach by combining structural equation modeling and neural network analysis. The results divulge that satisfaction and intention to use stand as two important precedents of actual usage, and the satisfaction also mediates the relationship between service quality, information quality and trust with intention to use m-banking and negates with that of system quality. We have provided the theoretical as well as practical implications of the findings. 相似文献
12.
Vishanth Weerakkody Ramzi El-Haddadeh Faris Al-Sobhi Mahmud Akhter Shareef Yogesh K. Dwivedi 《International Journal of Information Management》2013
The adoption and diffusion of electronic government is often impeded by many social and individual factors relating to citizens. In this respect, intermediaries have emerged as a new model for delivering e-government services to overcome such obstacles. This study aims to examine the role of intermediaries in facilitating e-government adoption and diffusion using a survey based empirical study of 502 participants in Madinah City in Saudi Arabia. An extended UTAUT model is used as the theoretical basis utilizing trust in the Internet and Intermediaries. The results of this study show that there are significant relationships among the factors that influence intention to use e-government, namely, performance expectancy, effort expectancy, and trust of intermediary. In addition, the findings show that there is a significant relationship between facilitating conditions and usage behavior proving that intermediaries can influence adoption of e-government services. 相似文献
13.
Nicoletta Corrocher 《Research Policy》2006,35(4):533-544
This paper examines the determinants of adoption of Internet banking among Italian retail banks. In particular it aims at investigating the nature of Internet banking in relation to traditional banking activity. In doing so, the paper analyses the role of firm-specific and market-specific characteristics in affecting the decision to provide financial services via the Internet. The empirical analysis indicates that the adoption of Internet banking depends upon the characteristics of traditional banking activities, particularly in terms of existing networks of distribution and existing customers. First, banks with high branching intensity adopt more slowly than banks with a few branches in place. Second, adoption is negatively affected by the existence of a large customer base, once we control for assets. An important consequence of this is that the provision of financial services over the Internet is a strategy directed more at attracting new customers than at strengthening the relationship with existing ones. 相似文献
14.
《International Journal of Information Management》2003,23(5):381-394
Cell phone usage has grown phenomenally in Africa, and particularly in South Africa where initial growth forecasts have been greatly exceeded. This technology therefore provides opportunities for services such as banking to reach critical mass. All major retail banks in South Africa provide cell phone banking, but very few customers actually use it. This study examines the factors that influence the adoption of cell phone banking in South Africa, as a means of understanding how to possibly increase the rate of adoption. A framework developed in Singapore identifying factors influencing the adoption of Internet banking was used as a basis, and amended to assess cell phone banking. Factors identified as influences included relative advantage, trialability, and consumer banking needs, with perceived risk having a major negative influence. 相似文献
15.
The global spread and use of internet and mobile contributed to the development of digital payments and baking. There is a lack of research which provides comprehensive synthesis and analysis of factors affecting the use and adoption of digital banking and payment methods in GCC countries. Thus, the aim of this paper is to provide a comprehensive literature review and perform weight and meta-analysis. By reviewing 46 studies, it was found that best predictors for digital payment and banking adoption in GCC countries are trust, perceived security and perceived usefulness. Based on the extensive literature review, the conceptual of factors affecting adoption digital banking and payment methods in Gulf countries model was proposed, which will set agenda for future research. Practitioners will be able to use the findings from this study to improve adoption and quality of digital banking and payment services 相似文献
16.
The purpose of this study is to investigate the behavioral intention to adopt internet banking (IB) by individuals under the influence of user espoused cultural values in Fiji. A conceptual framework is developed by extending the Unified Theory of Acceptance and Use of Technology (UTAUT) model, incorporating customer satisfaction and perceived risk constructs and cultural moderators of individualism and uncertainty avoidance. This research adopts a quantitative approach and collects data from 530 respondents. The proposed model is tested using structural equation modelling. The empirical results obtained suggest that IB adoption is positively influenced by the levels of performance expectancy, effort expectancy, social influence and facilitating conditions while perceived risk negatively influences IB usage intention. IB intention was found to positively impact usage behavior which ultimately impacts customer satisfaction. This study also reveals that uncertainty avoidance dampens the influence of performance expectancy and facilitating conditions on IB adoption intention. The study highlights the importance of individual’s cultural values in promoting IB adoption. It contributes to the literature by extending and testing a comprehensive research model to better understand IB behavior. 相似文献
17.
《The Journal of High Technology Management Research》2014,25(2):123-131
This study investigates the competition and challenges of mobile banking system in Thailand. The analyses of the competitive landscape of mobile banking innovations are based on the Managing Migration Paths Model. The empirical study focuses on the leading banks in Thailand: Bangkok Bank, Kasikorn Bank, Siam Commercial Bank, Krung Thai Bank and Bank of Ayudhya. The study discusses the strategies, SWOT analyses of the mobile banking industry in the move towards the m-money economy. The results have shown that banks see mobile banking as a convenient delivery channel to provide value-added services to the bank customers. The competition forces banks to seek strategic alliances (network collaboration between the banking and ICT industries) to offer innovative solutions in the payment market. The results provide insightful implications on future challenges and increasing competition under 3G and 4G mobile phone networks whereby the e-payment market will get bigger when Thailand would enter the ASEAN Economic Community (AEC — upcoming regional competition in AEC countries) in 2015. 相似文献
18.
移动医疗发展迅速,医疗健康管理成为研究热点,为了研究用户对健康APP的采纳意愿及影响因素。本文从技术视角和健康行为改变视角,基于UTAUT理论和PMT理论构建用户使用意愿研究模型,通过调查问卷收集数据,并利用SPSS和AMOS进行统计分析和结构方程建模。研究发现：绩效期望、信任感知、社会影响和努力期望依次显著正向影响用户的使用意愿;信任感知正向影响用户的自我效能和反应效能;用户的自我效能和反应效能分别正向影响用户的绩效期望、努力期望和社会影响;并为医疗健康服务商及APP开发运维商提供建议。 相似文献
19.
This study enhances the existing literature on online trust by integrating the consumers’ product evaluations model and technology adoption model in e-commerce environments. In this study, we investigate how perceived value influences the perceptions of online trust among online buyers and their willingness to repurchase from the same website. This study proposes a research model that compares the relative importance of perceived value and online trust to perceived usefulness in influencing consumers’ repurchase intention. The proposed model is tested using data collected from online consumers of e-commerce. The findings show that although trust and e-commerce adoption components are critical in influencing repurchase intention, product evaluation factors are also important in determining repurchase intention. Perceived quality is influenced by the perceptions of competitive price and website reputation, which in turn influences perceived value; and perceived value, website reputation, and perceived risk influence online trust, which in turn influence repurchase intention. The findings also indicate that the effect of perceived usefulness on repurchase intention is not significant whereas perceived value and online trust are the major determinants of repurchase intention. Major theoretical contributions and practical implications are discussed. 相似文献
20.
The provision of banking services on the Internet (e-banking) is growing but there is a lack of research related to the organisational issues involved in its adoption. This paper brings theory and practice together by synthesising the existing literature with real-life experience of a UK bank. Two questions motivated this research. First, what is the experience of organisations in adopting e-banking? Second, what are the organisational factors which are critical to the success in e-banking adoption? A case study research approach was used to investigate organisational critical success factors in e-banking adoption at The Woolwich bank. The factors found to be most critical for success in e-banking included: understanding customers, organisational flexibility, availability of resources, systems security, established brand name, having multiple integrated channels, e-channel specific marketing, systems integration, systematic change management, support from top management, and good customer services. We concluded that banks need to implement considerable organisational changes in order to web-enable themselves. The main focus of their e-commerce strategy should be to integrate the e-banking channel with other service delivery channels to maximise benefits. 相似文献