High Versus Low Consumer Attitude and Intention Towards Adoption of Mobile Banking in India: An Empirical Study

2017 ◽  
Vol 21 (4) ◽  
pp. 410-424 ◽  
Author(s):  
Deepak Chawla ◽  
Himanshu Joshi
Keyword(s):  
Factor Analysis ◽  
Technology Acceptance ◽  
Discriminant Validity ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Correct Prediction ◽  
Mobile Banking ◽  
User Intention ◽  
Perceived Trust ◽  
The Impact

Although factors influencing adoption of technology-enabled banking has been studied by many researchers, the construct perceived usefulness had been analysed as a single construct. Moreover, the measurement of perceived usefulness by researchers does not discuss sub-dimensions or sub-factors, which could contribute to perceived usefulness associated with a particular technological innovation. This article empirically examines the influence of various factors on user attitude and intention towards adopting mobile banking. Based on focus-group discussion and personal interview with bankers, technology acceptance model (TAM) and studies on technology adoption, we propose a mobile banking adoption model in Indian context. We also examine the impact of demographics on user attitude and intention. Exploratory factor analysis (EFA) on a sample of 367 respondents resulted in seven factors which were found to be reliable. Confirmatory factor analysis demonstrated significant convergent and discriminant validity. Logistic regression equation was used to estimate the degree of correct prediction of user attitude and intention towards mobile banking adoption. Perceived trust, perceived ease of use (PEOU), perceived lifestyle compatibility, perceived efficiency and perceived convenience significantly impacted user attitude. However, user attitude was not found to differ significantly between demographic variables. Similarly, perceived trust, PEOU, perceived lifestyle compatibility and perceived efficiency were found to positively and significantly affect user intention. User intention was found to significantly vary across demographic groups based on gender and household income.

Examining the Impact of Customers’ Awareness, Risk and Trust in M-Banking Adoption

2021 ◽  
pp. 231971452110199
Author(s):  
Prashant Tiwari ◽  
Shiv Kant Tiwari ◽  
Ashish Gupta
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Global Market ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Rapid Expansion ◽  
Mobile Banking ◽  
Banking Services ◽  
Perceived Trust ◽  
The Impact

Mobile banking services have been a significant breakthrough in the electronic banking system and have many potential demands for online banking services to connect with consumers. Although there has been a rapid expansion of information technology (IT) in banking, which offers multiple opportunities in the global market, massive growth has not been seen in India’s m-banking adoption. Several kinds of research on m-banking adoption have been conducted in various countries, and it has been observed that India has great potential for m-banking. Nonetheless, users are not quite sure about its use for a few reasons. The present study extends the applicability of technology acceptance model (TAM) constructs in connection with customers’ awareness, perceived risk and perceived trust to investigate the user’s behavioural intention of m-banking adoption. The authors tested the proposed framework by using regression analysis in SPSS 23 and collected a sample of 311 mobile banking users by using convenience sampling. In support of the previous studies, findings revealed that perceived usefulness, perceived ease of use, customer awareness, perceived risk and perceived trust significantly adopted m-banking services in the Indian context.

Adoption of Mobile Commerce Technology

2012 ◽  
Vol 3 (2) ◽  
pp. 36-49 ◽  
Author(s):  
Emad Abu-Shanab ◽  
Osamah Ghaleb
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Empirical Test ◽  
Mobile Commerce ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Security And Privacy ◽  
Privacy Concerns ◽  
Perceived Trust ◽  
The Impact

This research extended the Technology Acceptance Model (TAM) with perceived trust and perceived risks (security and privacy concerns) constructs to identify the impact of these factors on Jordanian users’ intentions to adopt mobile commerce (m-commerce). An empirical test was used utilizing 132 responses from students in two public universities in Jordan. Results indicated that perceived trust, perceived usefulness, and perceived ease of use are major influencers of mobile commerce adoption. On the other hand, perceived risk factors (security and privacy concerns) were not significant in this relation. Discussion, conclusion and future work are stated at the end of this paper.

scholarly journals Factors Determining the Use and Acceptance of Mobile Banking in Colombia

2021 ◽  
Vol 9 (4) ◽  
pp. 44-74
Author(s):  
Maria Camila Bermeo Giraldo ◽  
Martha L. Benjumea-Arias ◽  
Alejandro Valencia-Arias ◽  
Iván A. Montoya-Restrepo
Keyword(s):  
Technology Acceptance ◽  
Customer Service ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Mobile Banking ◽  
Perceived Trust ◽  
Confirmatory Factor ◽  
Perceived Security ◽  
Acceptance Model

The purpose of this paper is to identify the factors that influence the acceptance and use of mobile banking among users in Medellín (Colombia). The factors we propose are built upon on seven constructs (customer service and support, perceived attitude, perceived usefulness, ease of use, perceived trust, intention to use, and perceived security), which were developed based on the Technology Acceptance Model (TAM) and the literature. We collected the data from 220 questionnaires self-administered by mobile banking users in Medellín. Subsequently, we conducted a confirmatory factor analysis to determine the correlation between the set of observed variables and the constructs defined in the proposed acceptance model. We empirically conclude that the use of mobile banking among the population under study is mainly influenced by users’ perceived usefulness, perceived trust, and ease of use. The results show a strong correlation between perceived trust and perceived security and between perceived usefulness and intention to use.  

scholarly journals An Empirical Study on the Intentional Behaviors of Healthcare Consumers in a Telehealthcare System in Taiwan

2021 ◽  
pp. 11-26
Author(s):  
Wei-Min Huang
Keyword(s):  
Technology Acceptance ◽  
Online Survey ◽  
Social Trust ◽  
Health Belief ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
User Intention ◽  
Belief Model ◽  
The Impact

Due to an aging population and the impact of chronic disease, health insurance costs in Taiwan have increased year by year. In order to allow people access to great medical care from home or within their community, the Taiwanese government has promoted a number of telehealthcare policies. Most related research emphasizes the technology involved in such policies, but this study considers instead the combination of a technology acceptance model, a health belief model, and measures of trust within the community to probe the Taiwanese telehealthcare system. This study was developed to examine factors that affect the usage, attitudes, and intentions of healthcare consumers within a telehealthcare system. 284 responses were collected via an online survey and analyzed using SPSS 23 and smart PLS2.0. The results showed that perceived ease of use and usefulness were affected by social trust, perceived usefulness was affected by perceived ease of use, users’ attitudes were affected by perceived ease of use and perceived usefulness, and user intention was affected by perceived usefulness, perceived seriousness, perceived benefits, and cues to action.

scholarly journals Exploring Intention to Adopt Mobile Banking Amongst Indian Youth

2014 ◽  
Vol 5 (2) ◽  
pp. 33-47
Author(s):  
Renu Aggarwal ◽  
Monica Bhardwaj
Keyword(s):  
Factor Analysis ◽  
Technology Acceptance ◽  
Diffusion Of Innovation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Future Research ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Intention To Adopt ◽  
Major Factors

The purpose of the present study is to investigate the major factors that influence the intention to adopt mobile banking. It explores the adoption factors using technology acceptance (TAM) and diffusion of innovation (DIT) theory. Major focus of the study is on the young consumer group that is more likely to adopt mobile banking. Analysis of the study is based on responses from college students in the national capital territory (NCT) of Delhi. Data is analysed using exploratory factor analysis (EFA) and confirmatory factor analysis (CFA). Results indicate that constructs viz., perceived usefulness (PU), perceived ease of use (PEOU), compatibility; trust and attitude are significant factors to be considered for determination of intention to adoption mobile banking. The study includes implications for researchers and practitioners in terms of identifying the key indicators of adoption of emerging technologies pertaining to mobile banking. It forms a base for future research to predict technology adoption in the context of developing countries.

Understanding the Moderating Impact of Context-Awareness and Ubiquity on Mobile Government Services Adoption

2022 ◽  
Vol 14 (1) ◽  
pp. 0-0
Keyword(s):  
Technology Acceptance ◽  
Context Awareness ◽  
Structural Equation ◽  
Moderating Effect ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Policy Implications ◽  
Equation Modeling ◽  
Future Research ◽  
The Impact

The factors of context-awareness and mobile ubiquity are major components in the development and diffusion of any mobile technology-driven applications and services. Principally in the m-government development space, the issues of context-awareness and ubiquity are crucial if m-government initiatives are to be successful. The moderating effect of context-awareness and ubiquity on mobile government adoption is examined for 409 students from a Chinese University based on the Technology Acceptance Model. Using the Structural Equation Modeling technique, the results indicate that perceived ease of use (PEOU) was significantly related to intention to use, but perceived usefulness (PU) did not have a significant effect on mobile government adoption. The moderating analysis indicated that context-awareness significantly moderated the impact of PU but had no moderating effect on PEOU. Also, it was discovered that ubiquity was significant in moderating both the PEOU and PU on mobile government adoption. Policy implications and directions for future research are presented.

scholarly journals Customer's Adoption of Mobile Government Services: The Role of Trust and Information Privacy

2021 ◽  
Vol 9 (1) ◽  
pp. 20-27
Author(s):  
Dr. Sulaiman Althuwaini ◽  
Dr. Mohamed Saleh Salem
Keyword(s):  
Saudi Arabia ◽  
Technology Acceptance ◽  
Mobile Services ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Technologies ◽  
Security And Privacy ◽  
Intention To Use ◽  
Government Services ◽  
The Impact

The purpose of the study is to examine the factors that impact the intention of Saudi citizens to use a mobile government smartphone application (Absher). Saudi Arabia seeks to invest and develop the infrastructure of the government’s mobile services, to be one of the leading countries in the region. Smartphone applications backed by mobile technologies have changed mobile services use which permit anywhere at any time access. Drawing on technology acceptance theories and relevant literature, this study developed and tested a structural model that integrates factors perceived usefulness, perceived ease of use, perceived privacy and trust in order to investigate the predictors of Absher use intention in the Saudi Arabia. The proposed model is tested using structural equation model (SEM) on data collected using an online questionnaire. Statistical analysis revealed that intention to use Absher was significantly associated with perceived trust, security and privacy, ease of use, and usefulness. Drawing on the technology acceptance model and trust theory, this study develops and empirically examines a model for users' intention to use mobile government services. This study contributes to the marketing literature by examining the impact of PU, PEOU and trust on mobile government services acceptance in developing countries.

Technology Acceptance Model Modification for Electronic Wallet Users in Jakarta

2021 ◽  
Vol 26 (1) ◽  
pp. 17-24
Author(s):  
Almi Budiman ◽  
◽  
Baruna Hadibrata ◽  
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Perceived Ease Of Use ◽  
Perceived Trust ◽  
Money Transfers ◽  
Acceptance Model

Introduction. The development of mobile payment in Indonesia is increased, especially by the emergence of the two biggest electronic payments, such as Go-Pay and Ovo, which aggressively offer various interesting offers. This affects the enhancement of the use of mobile payment by the public. In the beginning, server-based electronic money services of its appearance were still small, including credit top-up and internet data, and money transfers to banks that include as a member of ATM Bersama (joint ATM). Along with the development of technology, electronic wallets begin to transform by expanding payment services, and several latest e-wallet applications have emerged. Purpose. The purpose of this research is to understand the changes in consumers’ behavior that make payments from using cash and switching to electronic wallets. Results. The results of the analysis in this study were obtained as the below: (1) Perceived ease of use, perceived usefulness, perceived security, and perceived risk and trust have an influence on the intention to use e-wallet electronic application; (2) perceived ease of use and perceived risk have an influence on perceived usefulness of e-wallet user and (3) perceived ease of use, perceived risk, and perceived usefulness influence the perceived trust of e-wallet application users. Conclusions. It can be concluded that the technology acceptance model influences the user in using the electronic wallet as their transaction method since its usage can be trusted. Moreover, the benefit they got from electronic wallet (perceived usefulness) influence their trust and increase the intention of using an electronic wallet

Adoption of mobile banking at the bottom of the pyramid: an emerging market perspective

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Sonal Purohit ◽  
Rakhi Arora
Keyword(s):  
Technology Acceptance ◽  
Migrant Workers ◽  
Structural Equation ◽  
Emerging Market ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Bottom Of The Pyramid ◽  
Mobile Banking ◽  
Content Type

PurposeThis paper aims to investigate the factors that affect mobile banking adoption among the bottom of the pyramid (BoP) group in an emerging market.Design/methodology/approachData were collected from 332 bank customers in the BoP group through a questionnaire based on previously validated scales. Structural equation modeling (SEM) was applied using SmartPLS 2.0 to analyze the data.FindingsIt was found that perceived usefulness (PU) and perceived ease of use (PEoU) influence the attitude toward mobile banking positively whereas the perceived risk (PR) and perceived deterrents (PDs) influence the attitude negatively. The subjective norms (SNs) and the attitude positively affect mobile banking adoption. Knowledge of mobile banking has a strong effect on the PEoU, but it does not influence the PU of mobile banking.Originality/valueThis research makes an original contribution to the extant research and fills the gap by exploring the factors that affect the mobile banking adoption among a distinct BoP group (migrant workers) in an emerging market. The authors make use of knowledge of mobile banking and PDs as novel and important constructs in the technology acceptance model (TAM) to explore the factors that affect mobile banking adoption among the BoP.

User Acceptance of eGovernment Services

2015 ◽  
pp. 1684-1697
Author(s):  
Serdar Yarlıkaş ◽  
İbrahim Arpacı ◽  
Gülgün Afacan
Keyword(s):  
Factor Analysis ◽  
Technology Acceptance ◽  
User Satisfaction ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Actual System ◽  
Public And Private ◽  
Content System ◽  
Acceptance Model

This chapter identifies user satisfaction levels of eGovernment services. Technology Acceptance Model (TAM) deals with the prediction of the acceptability of an information system. TAM posits that perceived usefulness and perceived ease of use determine an individual's adoption of a system with intention to use serving as a mediator of actual system usage. In this chapter, a modified version of the TAM is proposed to predict the acceptability of eGovernment services and to identify the modifications, which must be brought to the system in order to make it acceptable to users. In the chapter, one of the most used eGovernment projects, e-school, is investigated according to TAM. An Internet-based survey questionnaire was applied to identify factors that influence users' satisfaction from one of the eGovernment services in Turkey. The sample was 30 teachers, who are working in public and private schools. A factor analysis was conducted on the questionnaire items, and a regression analysis, dependent on the factor analysis, was performed to determine and evaluate the effects of the factors on user satisfaction. The authors found that five main factors have significant affect on the satisfaction of users related to the e-School system. These factors are utilitarian ease of use, system usefulness, system content, system usability, and ease of use. The authors contributed to existing literature by adding a new construct, which refers to utilitarian ease of use.

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