Purpose
The purpose of this study is to examine the factors which affect mobile banking (M-banking) acceptance in Islamic banks of Pakistan by using the modified unified theory of acceptance and use of technology (UTAUT) model. The performance expectancy, facilitating conditions, social influence, effort expectancy, perceived value, habit and hedonic motivation are taken as independent variables. Similarly, the intention to adopt M-banking is taken as the mediator, and actual usage is used as the dependent variable.
Design/methodology/approach
The data are collected by using the survey method, and the five-point Likert scale is used for this purpose. The statistical techniques applied to the dataset were confirmatory factor analysis and partial least square structure equation modeling.
Findings
The empirical evidence shows that all the variables except for social influence have a significant positive effect on the intention which results in actual usage.
Practical implications
This study will help the Islamic banks in boosting the M-banking growth and decision-makers in crafting those strategies that increase the M-banking acceptance.
Originality/value
This paper makes a unique contribution to the literature with reference to Pakistan, being a pioneering attempt to investigate the factors which affect M-banking acceptance in Islamic banks of Pakistan by using the modified UTAUT model.
This research centres the variables affecting the intention of individuals to continue using mobile banking in Pakistan through using a model of technology acceptance model (TAM). Relevant information was collected through a structured instrument while the sample size included 300 users of mobile banking. Furthermore, statistical tools applied as a part of a study were reliability analysis and partial least square-SEM = Structural Equation Modelling in order to check the effect of those factors with the intention of the users. Outcomes suggest that resistance is significantly and negatively associated with perceived ease of use while it is significantly and positively associated with perceived usefulness. Also, perceived risk and compatibility have positive significant relationships with both perceived ease of use and perceived usefulness. However, awareness is positively and significantly connected with perceived ease of use and an insignificant relationship with perceived usefulness. Perceived ease of use has a significant positive relationship with both perceived usefulness and attitude, while perceived usefulness has a positive significant relationship with attitude and intention towards adopting mobile banking. Finally, attitude is also positively and significantly linked with the intention of using mobile banking. The results of this study provide useful information about the users' pattern of using the technology, which will be helpful for the financial institutions.
This study analyses the relationship between foreign direct investment (FDI) and economic growth in the presence of good governance system in the Organization for Economic Co-operation and Development (OECD) countries. The dataset comprised of the years 1996-2013. Fixed effect model and the Generalized method of moments (GMM) estimator are used in this study. The result of the study unveils that all the variables have a significant positive association with economic growth. Moreover, the study establishes the interaction terms which also depict a positive effect on economic growth. Further, the Granger causality test shows that the bidirectional causal relationship exists between the FDI and regulatory quality (REQ) on economic growth, whereas the unidirectional causal relationship is found among the corruption control, political stability (POS), voice and accountability (VAC), government effectiveness (GOE) and economic growth. Finally, it can be concluded from the above results that the more the countries maintain their institutional quality the better will be the economic growth and the FDI inflows. This result gives valuable policy implications, which the government should use to improve the economic growth. Further, the result obtained from this study is beneficial for policymakers who can draft effective government policies which will foster the economic growth rate of the country. Last but not least, there is a need to improve the REQ which can only be improved subject to changes in the laws of corruption.
This study has been conducted to examine the impact of trade, economic growth, and renewable energy on environmental degradation in G7 countries. The data consist of the years 1991-2016. We employed the panel unit root test and co-integration test, along with cross-sectional dependence and cross-sectionally augmented IPS unit root test by Pesaran (J Appl Econ 22:265-312, 2007). We also employed dynamic ordinary least squares, fully modified ordinary least squares, and fixed effect ordinary least squares regression. The result concluded that all the variables are co-integrated in the long run and all the variables create a significant effect on CO emission. This study implies that economic growth and trade increases the CO emission in the long run whereas the renewable energy consumption reduces the CO emission in the long run. The result also provides support for the Environmental Kuznets curve hypothesis in G7 countries.
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