An empirical examination of customers’ adoption of m-banking in India

Deb, Madhurima; Lomo‐David, Ewuuk

doi:10.1108/mip-07-2013-0119

Cited by 165 publications

(160 citation statements)

References 53 publications

(70 reference statements)

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“…However perceived risk and cost were not found to be significant. [29] TAM & DOI 600 participants in India. Perceived usefulness, attitude, social influence, facilitating condition significantly influence mobile banking adoption.…”

Section: Factors Affecting Mobile Commerce Adoptionmentioning

confidence: 99%

“…However others found no evidence to support perceived ease of use having any significant effect on mobile commerce adoption (see Refs. 5,29,40,49,56 and 98). While perceived ease of use (PEOU) was found to be significant in the current study, it's unique contribution to explaining the variance in user's intention was very low at 0.5%.…”

Section: Discussing Contribution To Literaturementioning

confidence: 99%

“…6,7,15,18,24,25,36,54,55,57,60,66 and 70) while others did not (see Refs. 5,29,40,49,56,96 and 98). Researchers may rethink keeping or removing PEOU when extending or modifying the TAM model in investigating user's acceptance of mobile commerce.…”

Section: Discussing Practical Implicationsmentioning

confidence: 99%

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User adoption of mobile commerce in Bangladesh: Integrating perceived risk, perceived cost and personal awareness with TAM

Rahman¹,

Sloan²

2017

ITMR

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This paper develops and tests a model for predicting user adoption of mobile commerce (i.e. e-commerce using mobile phones) in developing countries. The model takes up the Technology Acceptance Model (TAM) determinants of perceived usefulness and perceived ease of use, and extends these through the inclusion of three further determinants: perceived risk, perceived cost and personal awareness to enable prediction of the likelihood of mobile commerce adoption by users in the developing world. 575 usable surveys were gathered from the urban, semiurban and rural areas of Bangladesh. Perceived risk and perceived usefulness were found to be the most influential factors effecting mobile commerce adoption, while the effect of perceived ease of use and personal awareness was found to be low although significant. The study reconfirmed the need of extending TAM model, in the context of mobile commerce, to address both it's transactional and non-transactional components. Service providers need to ensure high levels of security and privacy to reduce user's perceptions of risk. Mobile commerce services and technologies should be upgraded to world standard to make them more useful to users.

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Section: Factors Affecting Mobile Commerce Adoptionmentioning

confidence: 99%

Section: Discussing Contribution To Literaturementioning

confidence: 99%

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User adoption of mobile commerce in Bangladesh: Integrating perceived risk, perceived cost and personal awareness with TAM

Rahman¹,

Sloan²

2017

ITMR

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“…It includes the degree and type of support that are provided for individual users and which has strong effect on their motivation and subsequent adoption of technology (Maldonado, Khan, Moon & Rho;Yu & Land, 2005). For internet services to be widely embraced some of the facilitating conditions that should be available include ease of access, excellent user interface, online support, government support, internet facilities, power supply, training on how to use internet services and so on (Deb & Lomo-David, 2014;Venkatesh et al, 2012). Consequently, extant authors have established relationship between facilitating condition, e-satisfaction, e-trust, fun and online service usage (e.g., Chan et al, 2010;Maldonado et al, 2010;Sathye, 1999;Yu & Land, 2005).…”

Section: Facilitating Conditionsmentioning

confidence: 99%

“…10 Overall, I believe that e-banking is secured. Chemingui & Lallouna, 2013;Deb & Lomo-David;2014& Yu 2011 2 The government is driving the development of online banking. 3 The government has good regulations and laws for internet banking.…”

mentioning

confidence: 99%

The influence of E-Satisfaction, E-Trust and Hedonic Motivation on the Adoption of E-banking and Its Determinants in Nigeria: A Pilot Study

Salimon¹,

Yusoff²,

Mokhtar³

2015

MJSS

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Many studies have been conducted in respect of e-banking adoption especially in developed nations. However, evidence has shown that where similar few studies are conducted in developing countries, their findings are mixed and inconclusive. This pilot study intends to fill the research gap with a view to addressing the problem of low adoption in Nigeria and many other developing countries. In this view, this study has critically looked into the issues of perceived usefulness, perceived ease of use, awareness, perceived security and facilitating conditions that have direct and indirect effects on e-banking adoption through mediating effect of e-satisfaction, e-trust and hedonic motivation. One of the major contributions of this study is that it is the first of its type to link security directly to fun. A call has been made to future researchers to empirically test the model of this study in order to predict adoption of e-banking.

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Smartphone banking usage in Nigeria: Gamification, technology acceptance and cultural factors empirical perspectives

Salimon

Aliyu

Yusr

et al. 2021

E J Info Sys Dev Countries

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Several studies have been conducted within the domain of technology adoption, yet, less attention has been paid to how gamification can be employed to elicit fun that can accelerate the rate of smartphone banking usage. Equally, the cultural peculiarities of smartphone banking users have been largely ignored by the majority of the previous studies. This study, therefore, identified the potential influence of the utilization of gamification, hedonic motivation, and cultural factors in the usage of smartphone banking. This is achieved through the conceptualization of a framework that empirically tested the influence of six exogenous variables on smartphone usage using data from 388 respondents from Nigeria, and having employed Partial Least Square (PLS) Structural Equation Modeling as a technique of analysis. The findings of the study reveal that gamification, hedonic motivation, and cultural factors along with the Technology Acceptance Model core variables are strong determinants of Smartphone Banking usage. Practitioners can draw significant insights on how to effectively design smartphone banking using gamification and hedonic techniques, especially that the trend is moving largely towards these directions in the financial industry and through which value can be created for users.

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An empirical examination of customers’ adoption of m-banking in India

Cited by 165 publications

References 53 publications

User adoption of mobile commerce in Bangladesh: Integrating perceived risk, perceived cost and personal awareness with TAM

User adoption of mobile commerce in Bangladesh: Integrating perceived risk, perceived cost and personal awareness with TAM

The influence of E-Satisfaction, E-Trust and Hedonic Motivation on the Adoption of E-banking and Its Determinants in Nigeria: A Pilot Study

Smartphone banking usage in Nigeria: Gamification, technology acceptance and cultural factors empirical perspectives

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