An empirical study on facilitators and inhibitors of adoption of mobile banking in India

Saxena, Noopur; Gera, Navneet; Taneja, Mayur

doi:10.1007/s10660-022-09556-6

Cited by 12 publications

(10 citation statements)

References 106 publications

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“…Therefore, people who are optimistic about using new technologies are believed to have positive intentions to use them. They consider technology helpful and are not concerned about its negative outcomes [74]. As a result, optimists are more willing to use new technologies and knowledge [75].…”

Section: Technological Optimismmentioning

confidence: 99%

“…Today's students are considered digital natives, and most of them have favorable views towards the use of technology [76]. Technological optimism is a strong predictor of technology choice in some young people compared with adults [77] (for example, in new learning methods [73], the adoption of mobile banking [74], or cryptocurrencies [78]). This view shows their tendency to be pioneers in using technology as a motivational behavior [79], and a positive relationship between technological optimism and perceived ease of use and perceived usefulness [80].…”

Section: Technological Optimismmentioning

confidence: 99%

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Technological Acceptance of Industry 4.0 by Students from Rural Areas

et al. 2022

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In this study, our objective was to identify the factors that explain the acceptance of Industry 4.0 technologies by technical students. Industry 4.0 is made up of a series of technologies, such as the Internet of Things; cyber-physical systems; big data, data analytics, or data mining; cloud computing or the cloud; augmented reality or mixed reality; additive manufacturing or 3D printing; cybersecurity; collaborative robots; artificial intelligence; 3D simulation; digital twin or digital twin; drones. We designed a theoretical model based on the technology acceptance model to explain the acceptance of these technologies. The study was carried out on a sample of 326 technical professional students. Students are considered ideal samples to test theoretical predictions regarding the relationships between variables in emerging technologies. The results show the positive effect of technological optimism on perceived usefulness and ease of use. However, there was not a direct effect on the attitude towards the use. A mediating effect was established. In addition, the facilitating conditions influence optimism and the ease of using the technology. These elements influence the attitude and intention to use, which is consistent with previous studies on technology acceptance. The results will guide the design of public policies to incorporate technologies into education.

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Section: Technological Optimismmentioning

confidence: 99%

Section: Technological Optimismmentioning

confidence: 99%

Technological Acceptance of Industry 4.0 by Students from Rural Areas

et al. 2022

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“…Age. Age is the most significant distinguishing variable while other demographic features such as education, occupation and income have very little effect on mobile payment adoption (Saxena et al, 2022). Formation of age groups within a population facilitates in market segmentation and it is also found that different age categories have different views and beliefs, so age may moderate some of the variables in the adoption of mobile payments (Shin, 2009).…”

Section: Moderating Effectsmentioning

confidence: 99%

Adoption of digital payment FinTech service by Gen Y and Gen Z users: evidence from India

Srivastava,

Mohta,

Shunmugasundaram

2023

DPRG

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Purpose This study aims to evaluate the users’ behavioral intention toward the acceptance and adoption of digital payment FinTech services in India. The study also compares the differences in Gen Y and Gen Z’s intention to adopt digital payment FinTech services. Design/methodology/approach The present study adopted both the unified theory of acceptance and use of technology (UTAUT) and the technology acceptance model (TAM) as its theoretical base and also added financial literacy and customer satisfaction. The data was analyzed by applying structural equation modeling using SmartPLS 4. Findings The outcomes of the study imply that customer satisfaction, effort expectancy and performance expectancy had a significant effect on behavioral intention. Moreover, effort expectancy, performance expectancy and perceived enjoyment had a significant influence on customer satisfaction, and effort expectancy and performance expectancy is significantly influenced by perceived enjoyment, while self-efficacy significantly influenced perceived enjoyment. Also, financial literacy does not moderate the relationship between effort expectancy, performance expectancy, facilitating condition and behavioral intention. Furthermore, the association of effort expectancy → customer satisfaction; perceived enjoyment → customer satisfaction; and perceived enjoyment → effort expectancy is moderated by age factor. Originality/value This study contributes by developing a more cohesive and unified model for assessing users’ behavioral intention toward acceptance and adoption of FinTech services by adopting constructs from the UTUAT and TAM and incorporating financial literacy and customer satisfaction to expand and enhance the theoretical prospect of the existing literature.

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“…Due to more accessible mobile tariffs and affordable devices, mobile internet usage has increased. For both bankers and clients, this has created a variety of possibilities (Saxena et al, 2022; Shahid et al, 2022). As a result, banks have been able to adapt to their clients' changing demands and preferences.…”

Section: Introductionmentioning

confidence: 99%

Factors influencing mobile banking adoption in India: The role of government support as a mediator

Saxena

Gera

Taneja

2023

E J Info Sys Dev Countries

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This study aims to objectively examine the factors influencing mobile banking adoption in India. There has been a model put forth that is founded on the unified theory of acceptance and use of technology and technology readiness. Data was collected from 536 mobile banking users. The primary determinants influencing mobile banking adoption were assessed using structural equation modeling. The study's conclusions indicate that the most significant predictors of behavioral intention to use mobile banking are factors such as performance expectancy, effort expectancy, social influence, optimism, and innovativeness. The relationship between users' behavioral intentions and adoption of mobile banking is partially mediated by government support. With the help of this study, mobile banking service providers in urban India will be better able to develop new services or modify current ones to boost the adoption of mobile banking.

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An empirical study on facilitators and inhibitors of adoption of mobile banking in India

Cited by 12 publications

References 106 publications

Technological Acceptance of Industry 4.0 by Students from Rural Areas

Technological Acceptance of Industry 4.0 by Students from Rural Areas

Adoption of digital payment FinTech service by Gen Y and Gen Z users: evidence from India

Factors influencing mobile banking adoption in India: The role of government support as a mediator

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