An Empirical Investigation on Mobile Banking Service Adoption in Rural Karnataka

Kishore, S. V. Krishna; Sequeira, A. H.

doi:10.1177/2158244016633731

Cited by 59 publications

(55 citation statements)

References 197 publications

(293 reference statements)

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“…The high explanatory power of performance expectancy gives rise to the first finding: performance expectancy is the determinant variable in the acceptance of cryptocurrency financial technologies. This finding is consistent with other studies that have found this variable to be determinant in the intention to use a given financial technology, including a biometric payment service (Kim et al, 2018), plastic money (Makanyeza and Mutambayashata, 2018), online banking (Khan et al, 2017; Sánchez-Torres et al, 2018), and m-banking (Kishore and Sequeira, 2016; Nisha, 2016; Farah et al, 2018; Hussain et al, 2018; Warsame and Ireri, 2018). Studies about cryptocurrencies and bitcoin in particular have reached the same results regarding the influence of performance expectancy on the intention to use, including in relation to electronic payments with cryptocurrencies (Mendoza-Tello et al, 2018) and bitcoin acceptance in China (Shahzad et al, 2018).…”

Section: Discussionsupporting

confidence: 92%

“…Previous studies reached the same conclusion: this variable does not influence the adoption of other financial technologies, such as plastic money (Makanyeza and Mutambayashata, 2018) and online banking (Khan et al, 2017). However, opposite findings have also been reported, as in the m-banking studies by Kishore and Sequeira (2016); Mahfuz et al (2016), and Warsame and Ireri (2018) that have found social influence to be relevant to adoption. The results of cryptocurrency acceptance studies are similarly contradictory.…”

Section: Discussionmentioning

confidence: 83%

“…With regard to effort expectancy, most of the literature suggests that it does influence financial technology acceptance (e.g., Kishore and Sequeira, 2016; Nisha, 2016; Farah et al, 2018; Hussain et al, 2018; Kim et al, 2018; Makanyeza and Mutambayashata, 2018; Moon and Hwang, 2018; Sánchez-Torres et al, 2018). However, some authors have shown that effort expectancy does not influence fintech acceptance (Khan et al, 2017) or does not influence the intention to use it equally in all segments (Warsame and Ireri, 2018).…”

Section: Discussionmentioning

confidence: 99%

See 2 more Smart Citations

Variables Influencing Cryptocurrency Use: A Technology Acceptance Model in Spain

2019

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The first commercial transaction with the first cryptocurrency in 2010 marked the start of a revolution in transactions. Blockchain and cryptocurrencies will dramatically transform how we do transactions, just as the Internet revolutionized how we communicate. Currently, more than 2,000 cryptocurrencies are quoted on the market, and many more are being launched in initial coin offerings for use as an exchange method in a specific business ecosystem or as rights to assets or liabilities. As an emerging fintech, cryptocurrencies open up many opportunities, but they also pose significant challenges and limitations. This paper analyzes the key factors for the successful development of a cryptocurrency from a consumer-behavior perspective. Using a technology acceptance theoretical framework, we test a model able to explain almost 85% of the intention to use cryptocurrencies. Surprisingly, risk was not a significant factor. This could be because most of the respondents considered operating with cryptocurrencies to be risky; the lack of variability in their responses to the questions about perceived risk would explain this lack of explanatory power. However, willingness to manage cryptocurrency risk could be a precondition for adoption. The performance expectancy for a given cryptocurrency was the most important factor for its success. The research was conducted in Spain with college-educated adults with basic knowledge of the Internet.

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Section: Discussionsupporting

confidence: 92%

Section: Discussionmentioning

confidence: 83%

Section: Discussionmentioning

confidence: 99%

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Variables Influencing Cryptocurrency Use: A Technology Acceptance Model in Spain

2019

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“…Some evidences in this way are [43] for the use of a payment authentication system based on biometrics; [44] in the behavioral intention to adopt plastic money; [45] on the use of financial websites; [46] for adopting online banking. In the use of mbanking [26,[47][48][49][50][51] obtain similar results. Regarding specific literature on cryptos results in [7][8][9][10][11][12]14,15,18,20,21] also suggests that PE is the key factor to explain intention to use, so the following hypothesis can be stated: Hypothesis 1 (H1).…”

Section: A Model To Explain the Acceptance Of Cryptocurrencies By Houmentioning

confidence: 58%

Fuzzy Set Qualitative Comparative Analysis of Factors Influencing the Use of Cryptocurrencies in Spanish Households

Arias-Oliva¹,

Andrés-Sánchez²,

Borondo

2021

Mathematics

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This paper assesses the variables influencing the expansion of cryptocurrency (crypto for short) use in households. To carry on the study we apply a consumer-behavior focus and so-called fuzzy set Qualitative Comparative Analysis (fsQCA). In a previous research, that was grounded on Unified Theory of Acceptance and Use of Technology (UTAUT) and Partial Least Squares (PLS), we found that main factors to explain the intention to use of cryptos by individuals were performance expectancy (in fact, it was the main factor), effort expectancy and facilitating conditions. We did not found evidences about the relevance of social influence, perceived risk and financial literacy. This study revisits these results by applying fsQCA instead PLS. Empirical research on factors influencing cryto use is relatively scarce due to the novelty of blockchain techs, so the present paper expands the literature on this topic by using an original analytical tool in this context. The main contribution of this paper consists in showing empirically that fsQCA provides a complementary and enriching perspective to interpret data about the use of cryptos. We obtain again that the most relevant factor to explain the intention of using cryptocurrencies is perceived expectancy and that also effort expectancy and facilitation conditions are relevant. But also fsQCA has allowed us discovering that despite social influence, perceived risk and financial literacy were not significant in the PLS model, they impact on the intention to use cryptocurrencies when are combined with other factors. Social influence acts as an “enable factor” for the rest of explanatory variables and it is linked positively with intention to use cryptos. Also financial literacy is relevant because its lack is a sufficient condition for the non-acceptance of that blockchain tech. Likewise we have checked that perceived risk influences the intention of using cryptos. However, this influence may be positive or negative depending of the circumstances.

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“…The banking industry begins to adapt to technology since 1960, and they are still experiencing the changes in technologies in the management of banking information from time to time [1,2]. Traditionally, a large number of banking services can obtain from the bank branches located near customers.…”

Section: Introductionmentioning

confidence: 99%

The Role of Personal Innovativeness and Facilitating Conditions in Shaping the Attitudes of Mobile Internet Banking (MIB) Adoption among Generation Y in Malaysia

Foo-Wah¹,

Fakhrorazi²,

Ikhsan³

et al. 2020

Preprint

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The study investigates the determinants of mobile Internet banking adoption among Gen-Y in Malaysia. Align the issue of the study and research objectives, and the study underpinned Technology Acceptance Model (TAM) as the main guideline or a blueprint to analyze the research model. The study applied survey research design and analyzed using Structural Equation Modelling (SEM) under the PLS-SEM technique with SmartPLS 2.0. A total of 358 mobile internet banking users in Malaysia were random proportional selected as respondents and analyzed. Results from the partial least square structural equation modeling (PLS-SEM) revealed that perceived ease of use, perceived usefulness, facilitating condition, and personal innovativeness in IT have significantly influenced the attitude of mobile internet banking adoption in Malaysia. Additionally, perceived ease of use and facilitating conditions found to have a significant influence on the perceived usefulness of Mobile Internet Banking. Lastly, facilitating conditions and personal innovativeness in IT are significantly influence the perceived ease of use of mobile internet banking among Gen-Y in Malaysia

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An Empirical Investigation on Mobile Banking Service Adoption in Rural Karnataka

Cited by 59 publications

References 197 publications

Variables Influencing Cryptocurrency Use: A Technology Acceptance Model in Spain

Variables Influencing Cryptocurrency Use: A Technology Acceptance Model in Spain

Fuzzy Set Qualitative Comparative Analysis of Factors Influencing the Use of Cryptocurrencies in Spanish Households

The Role of Personal Innovativeness and Facilitating Conditions in Shaping the Attitudes of Mobile Internet Banking (MIB) Adoption among Generation Y in Malaysia

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